> For the complete documentation index, see [llms.txt](https://developers.bloomcredit.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://developers.bloomcredit.io/reference/furnishment-api/accounts/update-account.md).

# Update Account

Updates mutable reporting attributes on the furnished account identified by `account_id`. Omitted fields retain their current values. Concurrent stale-data conflicts are retried and may return `409` if they cannot be resolved.

```json
{"openapi":"3.1.0","info":{"title":"Furnishment API","version":"2.0"},"tags":[{"name":"Accounts"}],"servers":[{"description":"Furnishment sandbox server, for testing purposes (v2)","url":"https://sandbox.bloom.dev"},{"description":"Furnishment server","url":"https://api.bloomcredit.io"},{"description":"Production Consumer Permissioned Data server","url":"https://api.bloomplus.com"},{"description":"Development Consumer Permissioned Data server","url":"https://api.bloomplus.dev"}],"security":[{"Oauth2ClientCredentials":["furnishment:all"]}],"components":{"securitySchemes":{"Oauth2ClientCredentials":{"flows":{"clientCredentials":{"scopes":{"furnishment:all":"Manage accounts."},"tokenUrl":"https://authn.bloomcredit.dev/oauth2/token"}},"type":"oauth2"}},"schemas":{"Request_AccountUpdate_":{"description":"Request envelope for account update.","properties":{"data":{"allOf":[{"$ref":"#/components/schemas/RequestData_AccountUpdate_"}],"description":"Primary API resource payload."}},"required":["data"],"title":"Request[AccountUpdate]","type":"object"},"RequestData_AccountUpdate_":{"description":"Represents request data account update.","properties":{"attributes":{"allOf":[{"$ref":"#/components/schemas/AccountUpdate"}],"description":"Domain attributes for this resource."},"id":{"title":"Id","type":"string","description":"Stable identifier for this resource."},"relationships":{"additionalProperties":{"allOf":[{"$ref":"#/components/schemas/RequestRelationshipModel"}],"description":"Relationships value associated with this resource."},"title":"Relationships","type":"object","description":"API relationships to associated resources."},"type":{"enum":["AccountUpdate"],"title":"Type","type":"string","description":"API resource type. Allowed values: `AccountUpdate`."}},"required":["type","attributes"],"title":"RequestData[AccountUpdate]","type":"object"},"AccountUpdate":{"description":"Attributes that may be updated on an existing account. Only the fields present in the request body are changed.","properties":{"branch_identifier":{"title":"Branch Identifier","type":"string","description":"Identifier for the branch or business unit furnishing the account."},"business_address":{"title":"Business Address","type":"string","description":"Street address of the business responsible for a commercial account. Only accepted for business portfolios; the state is normalized on write."},"business_ein":{"title":"Business Ein","type":"string","description":"Employer Identification Number of the business responsible for a commercial account."},"business_name":{"title":"Business Name","type":"string","description":"Legal name of the business responsible for a commercial account."},"business_phone_number":{"title":"Business Phone Number","type":"string","description":"Contact phone number of the business responsible for a commercial account."},"date_of_first_delinquency":{"format":"date","title":"Date Of First Delinquency","type":"string","description":"Updated date of first continuous delinquency; cannot be in the future."},"external_account_identifier":{"title":"External Account Identifier","type":"string","description":"Partner-supplied identifier used to correlate the account with an external system."},"original_creditor_classification":{"allOf":[{"$ref":"#/components/schemas/CreditorClassificationCode"}],"description":"Metro 2 creditor classification of the original creditor."},"original_creditor_name":{"title":"Original Creditor Name","type":"string","description":"Name of the original creditor."},"paid_off":{"title":"Paid Off","type":"boolean","description":"Whether the account has been paid off."},"primary_consumer_id":{"format":"uuid","title":"Primary Consumer Id","type":"string","description":"Unique identifier of the consumer primarily responsible for the account."},"primary_designation":{"allOf":[{"$ref":"#/components/schemas/ECOACode"}],"description":"ECOA designation describing the primary consumer's responsibility for the account."},"reported_consumer_account_number":{"title":"Reported Consumer Account Number","type":"string","description":"Account number reported to the credit bureaus; the service may mask it in responses."},"secondary_consumers":{"items":{"$ref":"#/components/schemas/SecondaryConsumerInfo"},"title":"Secondary Consumers","type":"array","description":"Replacement set of secondary consumers and their reporting designations. Omit the field to leave the existing set unchanged."},"secondary_market_or_mers":{"allOf":[{"$ref":"#/components/schemas/SecondaryMarket"}],"description":"Secondary-market owner or MERS designation for a mortgage account."},"secondary_market_or_mers_number":{"title":"Secondary Market Or Mers Number","type":"string","description":"Identifier assigned by the secondary-market owner or MERS."},"terms_duration":{"title":"Terms Duration","type":"string","description":"Updated three-character Metro 2 contract term. Use a zero-padded duration, `REV`, or `LOC` as appropriate for the portfolio."}},"title":"AccountUpdate","type":"object"},"CreditorClassificationCode":{"description":"The Metro2 K1 segment field \"Creditor Classification\"","enum":["RETAIL","MEDICAL_HEALTH_CARE","OIL_COMPANY","GOVERNMENT","PERSONAL_SERVICES","INSURANCE","EDUCATIONAL","BANKING","RENTAL_LEASING","UTILITIES","CABLE_CELLULAR","FINANCIAL","CREDIT_UNION","AUTOMOTIVE","CHECK_GUARANTEE"],"title":"CreditorClassificationCode","type":"string"},"ECOACode":{"description":"The ECOA Code defines the relationship of the consumer to the account in compliance\nwith the Equal Credit Opportunity Act.\n\nAttributes:\n- `INDIVIDUAL`: This consumer has contractual responsibility for this account and         is primarily responsible for its payment.\n- `JOINT_CONTRACTUAL_LIABILITY`: This consumer has contractual responsibility for         this joint account.\n- `AUTHORIZED_USER`: This consumer is an authorized user of this account; another         consumer has contractual responsibility.\n- `COMAKER_OR_GUARANTOR`: This consumer is the co-maker or guarantor for this         account, who becomes liable if the maker defaults.\n- `MAKER`: This consumer is the maker who is liable for the account, but a        co-maker or guarantor is liable if the maker defaults.\n- `BUSINESS_COMMERCIAL`: This code is used to identify that the company reported        in the Name field is contractually liable for this account.\n- `DECEASED`: This consumer is deceased.\n- `TERMINATED`: The association with the account has been         terminated by this consumer.\n- `DELETE_CONSUMER`: This code is used to delete this consumer from the account.","enum":["INDIVIDUAL","JOINT_CONTRACTUAL_LIABILITY","AUTHORIZED_USER","COMAKER_OR_GUARANTOR","MAKER","BUSINESS_COMMERCIAL","DECEASED","TERMINATED","DELETE_CONSUMER"],"title":"ECOACode","type":"string"},"SecondaryConsumerInfo":{"properties":{"address_id":{"format":"uuid","title":"Address Id","type":"string","description":"Optional identifier of the consumer address to use for furnishing."},"consumer_id":{"format":"uuid","title":"Consumer Id","type":"string","description":"Unique Consumer Hub identifier of the secondary consumer."},"designation":{"allOf":[{"$ref":"#/components/schemas/ECOACode"}],"description":"ECOA code describing the secondary consumer’s responsibility for the account."}},"required":["consumer_id","designation"],"title":"SecondaryConsumerInfo","type":"object","description":"Represents secondary consumer info."},"SecondaryMarket":{"description":"Secondary-market owner or MERS designation reported for a mortgage account.","enum":["FANNIE_MAE","FREDDIE_MAC","MERS"],"title":"SecondaryMarket","type":"string"},"RequestRelationshipModel":{"properties":{"data":{"anyOf":[{"$ref":"#/components/schemas/ResourceIdentifier"},{"items":{"allOf":[{"$ref":"#/components/schemas/ResourceIdentifier"}],"description":"Primary API resource payload."},"type":"array","description":"Primary API resource payload."}],"title":"Data","description":"Primary API resource payload."}},"title":"RequestRelationshipModel","type":"object","description":"Represents request relationship model."},"ResourceIdentifier":{"description":"https://jsonapi.org/format/#document-resource-identifier-objects","properties":{"id":{"title":"Id","type":"string","description":"Stable identifier for this resource."},"meta":{"title":"Meta","type":"object","description":"Metadata associated with the response."},"type":{"title":"Type","type":"string","description":"API resource type."}},"required":["id","type"],"title":"ResourceIdentifier","type":"object"},"Response_Account_":{"description":"Response envelope for account.","properties":{"data":{"allOf":[{"$ref":"#/components/schemas/ResponseData_Account_"}],"description":"Primary API resource payload."},"included":{"items":{"description":"Included associated with this resource."},"title":"Included","type":"array","description":"Collection of included."},"links":{"additionalProperties":{"anyOf":[{"type":"string","description":"Links value associated with this resource."},{"$ref":"#/components/schemas/LinkHref"}],"description":"Links value associated with this resource."},"title":"Links","type":"object","description":"Links related to this resource or collection."},"meta":{"title":"Meta","type":"object","description":"Metadata associated with the response."}},"required":["data"],"title":"Response[Account]","type":"object"},"ResponseData_Account_":{"description":"Represents response data account.","properties":{"attributes":{"allOf":[{"$ref":"#/components/schemas/Account"}],"default":{},"title":"Attributes","description":"Domain attributes for this resource."},"id":{"title":"Id","type":"string","description":"Stable identifier for this resource."},"links":{"additionalProperties":{"anyOf":[{"type":"string","description":"Links value associated with this resource."},{"$ref":"#/components/schemas/LinkHref"}],"description":"Links value associated with this resource."},"title":"Links","type":"object","description":"Links related to this resource or collection."},"relationships":{"additionalProperties":{"allOf":[{"$ref":"#/components/schemas/ResponseRelationshipModel"}],"description":"Relationships value associated with this resource."},"title":"Relationships","type":"object","description":"API relationships to associated resources."},"type":{"enum":["Account"],"title":"Type","type":"string","description":"API resource type. Allowed values: `Account`."}},"required":["id","type"],"title":"ResponseData[Account]","type":"object"},"Account":{"description":"An account response","properties":{"account_opened_date":{"format":"date","title":"Account Opened Date","type":"string","description":"Date on which the account was opened."},"bankruptcy":{"allOf":[{"$ref":"#/components/schemas/BankruptcyEvent"}],"description":"Active consumer bankruptcy affecting this account, when one exists."},"business_address":{"title":"Business Address","type":"string","description":"Street address of the business responsible for a commercial account."},"business_ein":{"title":"Business Ein","type":"string","description":"Employer Identification Number of the business responsible for a commercial account."},"business_name":{"title":"Business Name","type":"string","description":"Legal name of the business responsible for a commercial account."},"business_phone_number":{"title":"Business Phone Number","type":"string","description":"Contact phone number of the business responsible for a commercial account."},"charge_off":{"allOf":[{"$ref":"#/components/schemas/ChargeOff"}],"description":"Active charge-off event for the account, when one exists."},"collateral":{"allOf":[{"$ref":"#/components/schemas/Collateral"}],"description":"Active collateral event for the account, when one exists."},"collections":{"allOf":[{"$ref":"#/components/schemas/Collections"}],"description":"Active collections event for the account, when one exists."},"consumer_attested_terms_frequency":{"allOf":[{"$ref":"#/components/schemas/TermsFrequency"}],"description":"Payment frequency attested by the consumer, when the account was sourced from consumer-permissioned data."},"credit_product_id":{"format":"uuid","title":"Credit Product Id","type":"string","description":"Unique identifier of the credit product whose reporting rules apply."},"date_of_first_delinquency":{"format":"date","title":"Date Of First Delinquency","type":"string","description":"Date when the continuous delinquency that led to the current status began."},"deleted":{"allOf":[{"$ref":"#/components/schemas/AccountDeleteEvent"}],"description":"Active deletion event for the account, when the account has been soft-deleted."},"disputes":{"default":[],"items":{"$ref":"#/components/schemas/Dispute"},"title":"Disputes","type":"array","description":"Active dispute events, at most one per dispute source (FCRA, FCBA, FDCPA)."},"external_account_identifier":{"title":"External Account Identifier","type":"string","description":"Partner-supplied identifier used to correlate the account with an external system."},"forbearance":{"allOf":[{"$ref":"#/components/schemas/Forbearance"}],"description":"Active forbearance event for the account, when one exists."},"foreclosure":{"allOf":[{"$ref":"#/components/schemas/Foreclosure"}],"description":"Active foreclosure event for the account, when one exists."},"id":{"format":"uuid","title":"Id","type":"string","description":"Stable identifier for this resource."},"lien":{"allOf":[{"$ref":"#/components/schemas/Lien"}],"description":"Active lien event for the account, when one exists."},"natural_disaster":{"allOf":[{"$ref":"#/components/schemas/NaturalDisaster"}],"description":"Active natural-disaster event for the account, when one exists."},"original_creditor_classification":{"allOf":[{"$ref":"#/components/schemas/CreditorClassificationCode"}],"description":"Metro 2 creditor classification of the original creditor, reported for purchased or collection accounts."},"original_creditor_name":{"title":"Original Creditor Name","type":"string","description":"Name of the original creditor, reported for purchased or collection accounts."},"paid_off":{"default":false,"title":"Paid Off","type":"boolean","description":"Whether the account has been paid off."},"payment_default":{"allOf":[{"$ref":"#/components/schemas/PaymentDefaultEvent"}],"description":"Active first-payment-default event for the account, when one exists."},"positions":{"allOf":[{"$ref":"#/components/schemas/app__schemas__v1__account__account_position__response__AccountPosition"}],"description":"Active account-position event (closure or credit-line suspension), when one exists."},"primary_consumer_id":{"format":"uuid","title":"Primary Consumer Id","type":"string","description":"Unique identifier of the consumer primarily responsible for the account."},"primary_designation":{"allOf":[{"$ref":"#/components/schemas/ECOACode"}],"description":"ECOA designation describing the primary consumer's responsibility for the account."},"refinance_modification":{"allOf":[{"$ref":"#/components/schemas/RefinanceModification"}],"description":"Active refinance-modification event for the account, when one exists. When present, `terms_duration` reflects the modified term."},"reported_consumer_account_number":{"title":"Reported Consumer Account Number","type":"string","description":"Account number reported to the credit bureaus; the service may mask it in responses."},"secondary_consumer_events":{"default":[],"items":{"$ref":"#/components/schemas/SecondaryConsumerEvent"},"title":"Secondary Consumer Events","type":"array","description":"Secondary-consumer add and remove events recorded against the account."},"secondary_consumers":{"default":[],"items":{"$ref":"#/components/schemas/SecondaryConsumerInfo"},"title":"Secondary Consumers","type":"array","description":"Secondary consumers and their reporting designations for this account."},"secondary_market_or_mers":{"allOf":[{"$ref":"#/components/schemas/SecondaryMarket"}],"description":"Secondary-market owner or MERS designation for a mortgage account."},"secondary_market_or_mers_number":{"title":"Secondary Market Or Mers Number","type":"string","description":"Identifier assigned by the secondary-market owner or MERS."},"terms_duration":{"title":"Terms Duration","type":"string","description":"Contract term encoded for Metro 2 reporting, such as a three-digit month count or `REV`/`LOC`."},"transfer":{"allOf":[{"$ref":"#/components/schemas/Transfer"}],"description":"Active transfer event for the account, when one exists."}},"required":["credit_product_id","account_opened_date","terms_duration","id","external_account_identifier","reported_consumer_account_number"],"title":"Account","type":"object"},"BankruptcyEvent":{"properties":{"chapter":{"allOf":[{"$ref":"#/components/schemas/BankruptcyChapter"}],"description":"Bankruptcy chapter under which the case was filed."},"consumer_id":{"format":"uuid","title":"Consumer Id","type":"string","description":"Unique identifier of the consumer."},"effective_date":{"format":"date","title":"Effective Date","type":"string","description":"Date on which the event takes effect for furnishing and status calculations."},"id":{"format":"uuid","title":"Id","type":"string","description":"Stable identifier for this resource."},"reverse":{"title":"Reverse","type":"boolean","description":"Whether this request reverses the corresponding active event."},"reversed_on":{"format":"date","title":"Reversed On","type":"string","description":"Date on which the previously reported event was reversed."},"status":{"allOf":[{"$ref":"#/components/schemas/BankruptcyStatus"}],"description":"Current lifecycle or processing status."}},"title":"BankruptcyEvent","type":"object","description":"Represents bankruptcy event."},"BankruptcyChapter":{"description":"An enumeration.","enum":["CHAPTER_7","CHAPTER_11","CHAPTER_12","CHAPTER_13"],"title":"BankruptcyChapter","type":"string"},"BankruptcyStatus":{"description":"An enumeration.","enum":["FILED","REMOVAL","DISCHARGED","REAFFIRMED","RESCINDED","CONFIRMED"],"title":"BankruptcyStatus","type":"string"},"ChargeOff":{"properties":{"amount":{"minimum":0,"title":"Amount","type":"number","description":"Monetary amount associated with this event, expressed in dollars. Minimum: 0."},"created_at":{"format":"date","title":"Created At","type":"string","description":"Date on which the event was recorded by the service."},"effective_date":{"format":"date","title":"Effective Date","type":"string","description":"Date on which the event takes effect for furnishing and status calculations."},"id":{"format":"uuid","title":"Id","type":"string","description":"Stable identifier for this resource."},"reverse":{"title":"Reverse","type":"boolean","description":"Whether this event reverses a previously reported event. Reported as `true` whenever `reversed_on` is set, and omitted otherwise."},"reversed_on":{"format":"date","title":"Reversed On","type":"string","description":"Date on which the previously reported event was reversed."},"special_comment_code":{"allOf":[{"$ref":"#/components/schemas/ChargeOffSpecialCommentCode"}],"description":"Metro 2 special comment code applied by this event."},"status":{"allOf":[{"$ref":"#/components/schemas/ChargeOffStatus"}],"description":"Current lifecycle or processing status."}},"title":"ChargeOff","type":"object","description":"Represents charge off."},"ChargeOffSpecialCommentCode":{"description":"An enumeration.","enum":["CHARGE_OFF","ACCOUNT_PAID_FULL_LESS_THAN_FULL_BALANCE","CREDIT_LINE_SUSPENDED"],"title":"ChargeOffSpecialCommentCode","type":"string"},"ChargeOffStatus":{"description":"An enumeration.","enum":["CHARGE_OFF","PAID_IN_FULL_CHARGE_OFF","UNPAID_BALANCE_REPORTED_AS_LOSS"],"title":"ChargeOffStatus","type":"string"},"Collateral":{"properties":{"amount":{"minimum":0,"title":"Amount","type":"number","description":"Monetary amount associated with this event, expressed in dollars. Minimum: 0."},"created_at":{"format":"date","title":"Created At","type":"string","description":"Date on which the event was recorded by the service."},"effective_date":{"format":"date","title":"Effective Date","type":"string","description":"Date on which the event takes effect for furnishing and status calculations."},"id":{"format":"uuid","title":"Id","type":"string","description":"Stable identifier for this resource."},"reverse":{"title":"Reverse","type":"boolean","description":"Whether this event reverses a previously reported event. Reported as `true` whenever `reversed_on` is set, and omitted otherwise."},"reversed_on":{"format":"date","title":"Reversed On","type":"string","description":"Date on which the previously reported event was reversed."},"special_comment_code":{"allOf":[{"$ref":"#/components/schemas/CollateralSpecialCommentCode"}],"description":"Metro 2 special comment code applied by this event."},"status":{"allOf":[{"$ref":"#/components/schemas/CollateralStatus"}],"description":"Current lifecycle or processing status."}},"title":"Collateral","type":"object","description":"Represents collateral."},"CollateralSpecialCommentCode":{"description":"An enumeration.","enum":["VOLUNTARY_SURRENDERED","ACCOUNT_PAID_FULL_LESS_THAN_FULL_BALANCE","CREDIT_LINE_SUSPENDED","CREDIT_LINE_REDUCED_DUE_TO_COLLATERAL_DEPRECIATION","CREDIT_LINE_SUSPENDED_DUE_TO_COLLATERAL_DEPRECIATION","COLLATERAL_RELEASED_BY_CREDITOR","VOLUNTARY_SURRENDERED_REDEEMED_REINSTATED","REPOSSESSION_REDEEMED_REINSTATED"],"title":"CollateralSpecialCommentCode","type":"string"},"CollateralStatus":{"description":"An enumeration.","enum":["VOLUNTARY_SURRENDERED","PAID_IN_FULL_FORECLOSURE_WAS_STARTED","DEED_RECEIVED_IN_LIEU_OF_FORECLOSURE_ON_DEFAULTED_MORTGAGE","REPOSSESSION","COLLATERAL_DEPRECIATION","COLLATERAL_RELEASED","SHORT_SALE","LOAN"],"title":"CollateralStatus","type":"string"},"Collections":{"properties":{"amount":{"minimum":0,"title":"Amount","type":"number","description":"Monetary amount associated with this event, expressed in dollars. Minimum: 0."},"created_at":{"format":"date","title":"Created At","type":"string","description":"Date on which the event was recorded by the service."},"effective_date":{"format":"date","title":"Effective Date","type":"string","description":"Date on which the event takes effect for furnishing and status calculations."},"id":{"format":"uuid","title":"Id","type":"string","description":"Stable identifier for this resource."},"reverse":{"title":"Reverse","type":"boolean","description":"Whether this event reverses a previously reported event. Reported as `true` whenever `reversed_on` is set, and omitted otherwise."},"reversed_on":{"format":"date","title":"Reversed On","type":"string","description":"Date on which the previously reported event was reversed."},"special_comment_code":{"allOf":[{"$ref":"#/components/schemas/CollectionsSpecialCommentCode"}],"description":"Metro 2 special comment code applied by this event."},"status":{"allOf":[{"$ref":"#/components/schemas/CollectionsStatus"}],"description":"Current lifecycle or processing status."}},"title":"Collections","type":"object","description":"Represents collections."},"CollectionsSpecialCommentCode":{"description":"An enumeration.","enum":["COLLECTIONS","ACCOUNT_PAID_FULL_LESS_THAN_FULL_BALANCE","CREDIT_LINE_SUSPENDED"],"title":"CollectionsSpecialCommentCode","type":"string"},"CollectionsStatus":{"description":"An enumeration.","enum":["PAID_IN_FULL_COLLECTION_ACCOUNT"],"title":"CollectionsStatus","type":"string"},"TermsFrequency":{"description":"The frequency for payments due.","enum":["DEFERRED","WEEKLY","BIWEEKLY","SEMIMONTHLY","MONTHLY"],"title":"TermsFrequency","type":"string"},"AccountDeleteEvent":{"properties":{"created_at":{"format":"date","title":"Created At","type":"string","description":"Date on which the event was recorded by the service."},"deleted_notes":{"title":"Deleted Notes","type":"string","description":"Free-form note explaining why the account was deleted."},"effective_date":{"format":"date","title":"Effective Date","type":"string","description":"Date on which the event takes effect for furnishing and status calculations."},"external_delete_date":{"format":"date","title":"External Delete Date","type":"string","description":"Date the partner recorded the deletion in its own system."},"id":{"format":"uuid","title":"Id","type":"string","description":"Stable identifier for this resource."},"reverse":{"title":"Reverse","type":"boolean","description":"Whether this event reverses a previously reported event. Reported as `true` whenever `reversed_on` is set, and omitted otherwise."},"reversed_on":{"format":"date","title":"Reversed On","type":"string","description":"Date on which the previously reported event was reversed."},"status":{"allOf":[{"$ref":"#/components/schemas/AccountDeletionReason"}],"description":"Reason the account was deleted."}},"title":"AccountDeleteEvent","type":"object","description":"Active deletion event recorded against an account."},"AccountDeletionReason":{"description":"An enumeration.","enum":["CONFIRMED_FRAUD","OTHER_REASON_NOT_FRAUD"],"title":"AccountDeletionReason"},"Dispute":{"properties":{"consumer_disagreed":{"title":"Consumer Disagreed","type":"boolean","description":"Whether consumer disagreed applies."},"effective_date":{"format":"date-time","title":"Effective Date","type":"string","description":"Date on which the event takes effect for furnishing and status calculations."},"id":{"format":"uuid","title":"Id","type":"string","description":"Stable identifier for this resource."},"reversed":{"title":"Reversed","type":"boolean","description":"Whether the event has been reversed as of today. Null when the event has never been reversed."},"reversed_on":{"format":"date-time","title":"Reversed On","type":"string","description":"Date on which the previously reported event was reversed."},"source":{"allOf":[{"$ref":"#/components/schemas/DisputeSource"}],"description":"Source associated with this resource."},"status":{"allOf":[{"$ref":"#/components/schemas/DisputeStatus"}],"description":"Current lifecycle or processing status."}},"title":"Dispute","type":"object","description":"Represents dispute."},"DisputeSource":{"description":"An enumeration.","enum":["FCRA","FCBA","FDCPA"],"title":"DisputeSource"},"DisputeStatus":{"description":"An enumeration.","enum":["DISPUTE_STARTED","DISPUTE_COMPLETED"],"title":"DisputeStatus"},"Forbearance":{"properties":{"amount":{"minimum":0,"title":"Amount","type":"number","description":"Monetary amount associated with this event, expressed in dollars. Minimum: 0."},"created_at":{"format":"date","title":"Created At","type":"string","description":"Date on which the event was recorded by the service."},"effective_date":{"format":"date","title":"Effective Date","type":"string","description":"Date on which the event takes effect for furnishing and status calculations."},"id":{"format":"uuid","title":"Id","type":"string","description":"Stable identifier for this resource."},"reverse":{"title":"Reverse","type":"boolean","description":"Whether this event reverses a previously reported event. Reported as `true` whenever `reversed_on` is set, and omitted otherwise."},"reversed_on":{"format":"date","title":"Reversed On","type":"string","description":"Date on which the previously reported event was reversed."},"special_comment_code":{"allOf":[{"$ref":"#/components/schemas/ForbearanceSpecialCommentCode"}],"description":"Metro 2 special comment code applied by this event."},"status":{"allOf":[{"$ref":"#/components/schemas/ForbearanceStatus"}],"description":"Current lifecycle or processing status."}},"title":"Forbearance","type":"object","description":"Represents forbearance."},"ForbearanceSpecialCommentCode":{"description":"An enumeration.","enum":["ACCOUNT_IN_FORBEARANCE"],"title":"ForbearanceSpecialCommentCode","type":"string"},"ForbearanceStatus":{"description":"An enumeration.","enum":["FORBEARANCE"],"title":"ForbearanceStatus","type":"string"},"Foreclosure":{"properties":{"effective_date":{"format":"date-time","title":"Effective Date","type":"string","description":"Date on which the event takes effect for furnishing and status calculations."},"id":{"format":"uuid","title":"Id","type":"string","description":"Stable identifier for this resource."},"reversed":{"title":"Reversed","type":"boolean","description":"Whether the event has been reversed as of today. Null when the event has never been reversed."},"reversed_on":{"format":"date-time","title":"Reversed On","type":"string","description":"Date on which the previously reported event was reversed."},"status":{"allOf":[{"$ref":"#/components/schemas/ForeclosureStatus"}],"description":"Current lifecycle or processing status."}},"title":"Foreclosure","type":"object","description":"Represents foreclosure."},"ForeclosureStatus":{"description":"An enumeration.","enum":["FORECLOSURE_STARTED","FORECLOSURE_COMPLETED"],"title":"ForeclosureStatus"},"Lien":{"properties":{"amount":{"minimum":0,"title":"Amount","type":"number","description":"Monetary amount associated with this event, expressed in dollars. Minimum: 0."},"created_at":{"format":"date","title":"Created At","type":"string","description":"Date on which the event was recorded by the service."},"effective_date":{"format":"date","title":"Effective Date","type":"string","description":"Date on which the event takes effect for furnishing and status calculations."},"id":{"format":"uuid","title":"Id","type":"string","description":"Stable identifier for this resource."},"reverse":{"title":"Reverse","type":"boolean","description":"Whether this event reverses a previously reported event. Reported as `true` whenever `reversed_on` is set, and omitted otherwise."},"reversed_on":{"format":"date","title":"Reversed On","type":"string","description":"Date on which the previously reported event was reversed."},"special_comment_code":{"allOf":[{"$ref":"#/components/schemas/LienSpecialCommentCode"}],"description":"Metro 2 special comment code applied by this event."},"status":{"allOf":[{"$ref":"#/components/schemas/LienStatus"}],"description":"Current lifecycle or processing status."}},"title":"Lien","type":"object","description":"Represents lien."},"LienSpecialCommentCode":{"description":"An enumeration.","enum":["GOVERNMENT_CLAIM_FILED","CREDIT_LINE_SUSPENDED"],"title":"LienSpecialCommentCode","type":"string"},"LienStatus":{"description":"An enumeration.","enum":["CLAIM_FILED_WITH_GOVT_FOR_INSURED_PORTION_ON_DEFAULTED_LOAN"],"title":"LienStatus","type":"string"},"NaturalDisaster":{"properties":{"effective_date":{"format":"date-time","title":"Effective Date","type":"string","description":"Date on which the event takes effect for furnishing and status calculations."},"id":{"format":"uuid","title":"Id","type":"string","description":"Stable identifier for this resource."},"reversed":{"title":"Reversed","type":"boolean","description":"Whether the event has been reversed as of today. Null when the event has never been reversed."},"reversed_on":{"format":"date-time","title":"Reversed On","type":"string","description":"Date on which the previously reported event was reversed."},"status":{"allOf":[{"$ref":"#/components/schemas/NaturalDisasterStatus"}],"description":"Current lifecycle or processing status."}},"title":"NaturalDisaster","type":"object","description":"Represents natural disaster."},"NaturalDisasterStatus":{"description":"An enumeration.","enum":["NATURAL_DISASTER_START","NATURAL_DISASTER_END"],"title":"NaturalDisasterStatus"},"PaymentDefaultEvent":{"properties":{"created_at":{"format":"date","title":"Created At","type":"string","description":"Date on which the event was recorded by the service."},"effective_date":{"format":"date","title":"Effective Date","type":"string","description":"Date on which the event takes effect for furnishing and status calculations."},"id":{"format":"uuid","title":"Id","type":"string","description":"Stable identifier for this resource."},"reverse":{"title":"Reverse","type":"boolean","description":"Whether this event reverses a previously reported event. Reported as `true` whenever `reversed_on` is set, and omitted otherwise."},"reversed_on":{"format":"date","title":"Reversed On","type":"string","description":"Date on which the previously reported event was reversed."},"special_comment_code":{"allOf":[{"$ref":"#/components/schemas/PaymentDefaultSpecialCommentCode"}],"description":"Metro 2 special comment code applied by this event."},"status":{"allOf":[{"$ref":"#/components/schemas/PaymentDefaultStatus"}],"description":"Current lifecycle or processing status."}},"title":"PaymentDefaultEvent","type":"object","description":"Represents payment default event."},"PaymentDefaultSpecialCommentCode":{"description":"Metro 2 special comment code reported for a first-payment default.","enum":["FIRST_PAYMENT_NEVER_RECEIVED"],"title":"PaymentDefaultSpecialCommentCode","type":"string"},"PaymentDefaultStatus":{"description":"Status to perform the reverse operation","enum":["FIRST_PAYMENT_NEVER_RECEIVED"],"title":"PaymentDefaultStatus","type":"string"},"app__schemas__v1__account__account_position__response__AccountPosition":{"properties":{"created_at":{"format":"date","title":"Created At","type":"string","description":"Date on which the event was recorded by the service."},"effective_date":{"format":"date","title":"Effective Date","type":"string","description":"Date on which the event takes effect for furnishing and status calculations."},"id":{"format":"uuid","title":"Id","type":"string","description":"Stable identifier for this resource."},"initiator":{"allOf":[{"$ref":"#/components/schemas/AccountClosedInitiator"}],"description":"Party that initiated the account action."},"initiator_reversed":{"title":"Initiator Reversed","type":"boolean","description":"Whether initiator reversed applies."},"initiator_reversed_on":{"format":"date-time","title":"Initiator Reversed On","type":"string","description":"Date on which the initiator designation was reversed."},"reverse":{"title":"Reverse","type":"boolean","description":"Whether this event reverses a previously reported event. Reported as `true` whenever `reversed_on` is set, and omitted otherwise."},"reversed_on":{"format":"date","title":"Reversed On","type":"string","description":"Date on which the previously reported event was reversed."},"special_comment_code":{"allOf":[{"$ref":"#/components/schemas/SpecialCommentCode"}],"description":"Metro 2 special comment code applied by this event."},"status":{"allOf":[{"$ref":"#/components/schemas/app__schemas__v1__account__account_position__enums__AccountPosition"}],"description":"Current lifecycle or processing status."}},"title":"AccountPosition","type":"object","description":"Represents app schemas v1 account account position response account position."},"AccountClosedInitiator":{"description":"An enumeration.","enum":["CREDITOR","CONSUMER"],"title":"AccountClosedInitiator"},"SpecialCommentCode":{"description":"An enumeration.","enum":["ACCOUNT_CLOSED_AT_CREDIT_GRANTORS_REQUEST","VOLUNTARY_SURRENDERED","ACCOUNT_CLOSED_DUE_TO_REFINANCE","ACCOUNT_CLOSED_DUE_TO_TRANSFER","REDEEMED_OR_REINSTATED_REPOSSESSION","CREDIT_CARD_LOST_OR_STOLEN","ACCOUNT_CLOSED_DUE_TO_INACTIVITY","CREDIT_LINE_NO_LONGER_AVAILABLE","ACCOUNT_PAID_FULL_LESS_THAN_FULL_BALANCE"],"title":"SpecialCommentCode"},"app__schemas__v1__account__account_position__enums__AccountPosition":{"description":"Account Position events that represent position changes on an account\"","enum":["ACCOUNT_CLOSED","CREDIT_LINE_SUSPENDED"],"title":"AccountPosition"},"RefinanceModification":{"description":"Active refinance or loan-modification event recorded against an account.","properties":{"account_number":{"title":"Account Number","type":"string","description":"New reported account number established by the modification, when one was supplied."},"effective_date":{"format":"date-time","title":"Effective Date","type":"string","description":"Date on which the event takes effect for furnishing and status calculations."},"id":{"format":"uuid","title":"Id","type":"string","description":"Stable identifier for this resource."},"reversed":{"title":"Reversed","type":"boolean","description":"Whether the event has been reversed as of today."},"reversed_on":{"format":"date-time","title":"Reversed On","type":"string","description":"Date on which the previously reported event was reversed."},"skip_account_number_reversal":{"title":"Skip Account Number Reversal","type":"boolean","description":"Whether reversing this event leaves the reported account number in place."},"terms_duration":{"title":"Terms Duration","type":"string","description":"Contract term established by the modification. This value overrides the account's `terms_duration` while the event is active."}},"title":"RefinanceModification","type":"object"},"SecondaryConsumerEvent":{"properties":{"account_id":{"format":"uuid","title":"Account Id","type":"string","description":"Unique identifier of the furnished account."},"effective_date":{"format":"date-time","title":"Effective Date","type":"string","description":"Date on which the event takes effect for furnishing and status calculations."},"id":{"format":"uuid","title":"Id","type":"string","description":"Stable identifier for this resource."},"organization_id":{"format":"uuid","title":"Organization Id","type":"string","description":"Unique identifier of the organization that owns the resource."},"removal_type":{"allOf":[{"$ref":"#/components/schemas/SecondaryRemovalType"}],"description":"Removal type associated with this resource."},"reversed":{"title":"Reversed","type":"boolean","description":"Whether the event has been reversed as of today. Null when the event has never been reversed."},"reversed_on":{"format":"date-time","title":"Reversed On","type":"string","description":"Date on which the previously reported event was reversed."},"status":{"allOf":[{"$ref":"#/components/schemas/SecondaryStatus"}],"description":"Current lifecycle or processing status."}},"required":["id","organization_id","account_id"],"title":"SecondaryConsumerEvent","type":"object","description":"Represents secondary consumer event."},"SecondaryRemovalType":{"description":"An enumeration.","enum":["TERMINATED","DELETE_CONSUMER"],"title":"SecondaryRemovalType"},"SecondaryStatus":{"description":"An enumeration.","enum":["ADD_SECONDARY_CONSUMER","REMOVE_SECONDARY_CONSUMER"],"title":"SecondaryStatus"},"Transfer":{"properties":{"effective_date":{"format":"date-time","title":"Effective Date","type":"string","description":"Date on which the event takes effect for furnishing and status calculations."},"id":{"format":"uuid","title":"Id","type":"string","description":"Stable identifier for this resource."},"reversed":{"title":"Reversed","type":"boolean","description":"Whether the event has been reversed as of today. Null when the event has never been reversed."},"reversed_on":{"format":"date-time","title":"Reversed On","type":"string","description":"Date on which the previously reported event was reversed."},"status":{"allOf":[{"$ref":"#/components/schemas/TransferStatus"}],"description":"Current lifecycle or processing status."},"transfer_type":{"allOf":[{"$ref":"#/components/schemas/TransferType"}],"description":"Transfer type associated with this resource."}},"title":"Transfer","type":"object","description":"Represents transfer."},"TransferStatus":{"description":"An enumeration.","enum":["TRANSFER","REMOVE_TRANSFER"],"title":"TransferStatus","type":"string"},"TransferType":{"description":"An enumeration.","enum":["SELL","BUY"],"title":"TransferType","type":"string"},"LinkHref":{"properties":{"href":{"title":"Href","type":"string","description":"Href associated with this resource."},"meta":{"title":"Meta","type":"object","description":"Metadata associated with the response."}},"required":["href","meta"],"title":"LinkHref","type":"object","description":"Represents link href."},"ResponseRelationshipModel":{"properties":{"data":{"anyOf":[{"$ref":"#/components/schemas/ResourceIdentifier"},{"items":{"allOf":[{"$ref":"#/components/schemas/ResourceIdentifier"}],"description":"Primary API resource payload."},"type":"array","description":"Primary API resource payload."}],"title":"Data","description":"Primary API resource payload."},"links":{"additionalProperties":{"anyOf":[{"type":"string","description":"Links value associated with this resource."},{"$ref":"#/components/schemas/LinkHref"}],"description":"Links value associated with this resource."},"title":"Links","type":"object","description":"Links related to this resource or collection."},"meta":{"title":"Meta","type":"object","description":"Metadata associated with the response."}},"title":"ResponseRelationshipModel","type":"object","description":"Represents response relationship model."},"JSONAPIErrorResponse":{"properties":{"errors":{"items":{"allOf":[{"$ref":"#/components/schemas/JSONAPIError"}],"description":"Error associated with this resource."},"title":"Errors","type":"array","description":"Errors that prevented the request from completing."}},"required":["errors"],"title":"JSONAPIErrorResponse","type":"object","description":"Error representation used when a request cannot be completed (jsonapierror response)."},"JSONAPIError":{"properties":{"detail":{"default":"","title":"Detail","type":"string","description":"Human-readable detail explaining the result or error."},"status":{"title":"Status","type":"integer","description":"Bloom internal error code, computed as `error group * 100 + error number`. This is not the HTTP status code."},"title":{"title":"Title","type":"string","description":"Short, human-readable summary of the error."}},"required":["title"],"title":"JSONAPIError","type":"object","description":"Error representation used when a request cannot be completed (jsonapierror)."},"HTTPValidationError":{"properties":{"detail":{"items":{"allOf":[{"$ref":"#/components/schemas/ValidationError"}],"description":"Human-readable detail explaining the result or error."},"title":"Detail","type":"array","description":"Human-readable detail explaining the result or error."}},"title":"HTTPValidationError","type":"object","description":"Error representation used when a request cannot be completed (httpvalidation error)."},"ValidationError":{"properties":{"loc":{"items":{"anyOf":[{"type":"string","description":"Loc associated with this resource."},{"type":"integer","description":"Loc associated with this resource."}],"description":"Loc associated with this resource."},"title":"Location","type":"array","description":"Collection of loc."},"msg":{"title":"Message","type":"string","description":"Msg associated with this resource."},"type":{"title":"Error Type","type":"string","description":"API resource type."}},"required":["loc","msg","type"],"title":"ValidationError","type":"object","description":"Error representation used when a request cannot be completed (validation error)."}}},"paths":{"/v2/furnishment/accounts/{account_id}":{"patch":{"operationId":"update_account_api_v1_accounts__account_id__patch","parameters":[{"in":"path","name":"account_id","required":true,"schema":{"format":"uuid","title":"Account Id","type":"string","description":"Unique identifier of the furnished account."},"description":"Unique identifier of the furnished account."}],"requestBody":{"content":{"application/json":{"schema":{"$ref":"#/components/schemas/Request_AccountUpdate_"}}},"required":true},"responses":{"200":{"content":{"application/json":{"schema":{"$ref":"#/components/schemas/Response_Account_"}}},"description":"Successful Response"},"400":{"content":{"application/json":{"schema":{"$ref":"#/components/schemas/JSONAPIErrorResponse"}}},"description":"Bad Request Error"},"404":{"content":{"application/json":{"schema":{"$ref":"#/components/schemas/JSONAPIErrorResponse"}}},"description":"Account Not Found"},"409":{"content":{"application/json":{"schema":{"$ref":"#/components/schemas/JSONAPIErrorResponse"}}},"description":"Conflict Error"},"422":{"content":{"application/json":{"schema":{"$ref":"#/components/schemas/HTTPValidationError"}}},"description":"Validation Error"}},"summary":"Update Account","tags":["Accounts"],"description":"Updates mutable reporting attributes on the furnished account identified by `account_id`. Omitted fields retain their current values. Concurrent stale-data conflicts are retried and may return `409` if they cannot be resolved."}}}}
```


---

# Agent Instructions
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## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation by asking a question.

Perform an HTTP GET request on the following URL with the `ask` and `goal` query parameters:

```
GET https://developers.bloomcredit.io/reference/furnishment-api/accounts/update-account.md?ask=<question>&goal=<user_goal>
```

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