> 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/v2.1/furnishment-api/account-events/create-account-event.md).

# Create Account Event

This is the single endpoint that will capture various account events. All events are optional, but at least one event must be provided. Within each event there are required attributes.

Supported events:

* `add_secondary_consumer`: Add a secondary consumer to an account.
* `remove_secondary_consumer`: Remove a secondary consumer from an account.
* `foreclosure_started`: Report a foreclosure started event.
* `foreclosure_completed`: Report a foreclosure completed event. A `foreclosure_started` event must already exist for an account before a `foreclosure_completed` event can be created.
* `voluntary_surrender`: Report a voluntary surrendered event.
* `collateral_depreciation`: Report a collateral depreciation event. Represents a credit line is reduced or suspenden due to collateral depreciation. To be used for Home Equity or other secured line of credit accounts
* `repossession`: Report a repossession event.
* `loan_reinstatement`: Report a loan reinstatement event. A collateral event (voluntary surrendered or repossession) must already exist to use this event.
* `loan_redemption`: Report a loan redemption event. A collateral event (voluntary surrendered or repossession) must already exist to use this event.
* `credit_line_suspended`: Report an account whose credit line has been suspended.
* `short_sale`: Report a short sale event. It should have a valid account status to be able to create this event.
* `deed_received_mortgage`: Report deed received mortgage event.
* `forbearance`: Report forbearance event.
* `close`: Report close event.
* `charge_off`: Report charge off event. Either the Unpaid balance is reported as a loss, or the account paid in full, was a charge-off. In order to create an charge-off event with npaid balance reported as a loss, the account needs to have at least 30 days delinquent in the previous statement.
* `natural_disaster_start`: Report an account affected by a natural disaster.
* `natural_disaster_end`: Report a natural disaster end event. There must be an existing natural disaster start event for an account before calling this event.
* `transfer`: Report a sell or buy transfer type to an account.
* `remove_transfer`: Remove an existing transfer of an account.
* `dispute_started`: Report a dispute started event.
* `dispute_completed`: Report a dispute completed event.
* `delete`: Create a delete account event. This event will soft delete the account.

```json
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Date","type":"string"},"id":{"format":"uuid","title":"Id","type":"string"},"reversed":{"title":"Reversed","type":"boolean"},"reversed_on":{"format":"date-time","title":"Reversed On","type":"string"},"status":{"$ref":"#/components/schemas/PaymentDefaultStatus"}},"title":"PaymentDefaultEvent","type":"object"},"PaymentDefaultStatus":{"description":"Status to perform the reverse operation","enum":["FIRST_PAYMENT_NEVER_RECEIVED"],"title":"PaymentDefaultStatus","type":"string"},"app__schemas__v1__account__account_position__response__AccountPosition":{"properties":{"effective_date":{"format":"date-time","title":"Effective Date","type":"string"},"id":{"format":"uuid","title":"Id","type":"string"},"initiator":{"$ref":"#/components/schemas/AccountClosedInitiator"},"initiator_reversed":{"title":"Initiator Reversed","type":"boolean"},"initiator_reversed_on":{"format":"date-time","title":"Initiator Reversed On","type":"string"},"reversed":{"title":"Reversed","type":"boolean"},"reversed_on":{"format":"date-time","title":"Reversed On","type":"string"},"status":{"$ref":"#/components/schemas/app__schemas__v1__account__account_position__enums__AccountPosition"}},"title":"AccountPosition","type":"object"},"app__schemas__v1__account__account_position__enums__AccountPosition":{"description":"Account Position events that represent position changes on an account\"","enum":["ACCOUNT_CLOSED","CREDIT_LINE_SUSPENDED"],"title":"AccountPosition"},"SecondaryConsumerEvent":{"properties":{"account_id":{"format":"uuid","title":"Account Id","type":"string"},"effective_date":{"format":"date-time","title":"Effective Date","type":"string"},"id":{"format":"uuid","title":"Id","type":"string"},"organization_id":{"format":"uuid","title":"Organization Id","type":"string"},"removal_type":{"$ref":"#/components/schemas/SecondaryRemovalType"},"reversed":{"title":"Reversed","type":"boolean"},"reversed_on":{"format":"date-time","title":"Reversed On","type":"string"},"status":{"$ref":"#/components/schemas/SecondaryStatus"}},"required":["id","organization_id","account_id"],"title":"SecondaryConsumerEvent","type":"object"},"SecondaryStatus":{"description":"An enumeration.","enum":["ADD_SECONDARY_CONSUMER","REMOVE_SECONDARY_CONSUMER"],"title":"SecondaryStatus"},"Transfer":{"properties":{"effective_date":{"format":"date-time","title":"Effective Date","type":"string"},"id":{"format":"uuid","title":"Id","type":"string"},"reversed":{"title":"Reversed","type":"boolean"},"reversed_on":{"format":"date-time","title":"Reversed On","type":"string"},"status":{"$ref":"#/components/schemas/TransferStatus"},"transfer_type":{"$ref":"#/components/schemas/TransferType"}},"title":"Transfer","type":"object"},"TransferStatus":{"description":"An enumeration.","enum":["TRANSFER","REMOVE_TRANSFER"],"title":"TransferStatus","type":"string"},"LinkHref":{"properties":{"href":{"title":"Href","type":"string"},"meta":{"title":"Meta","type":"object"}},"required":["href","meta"],"title":"LinkHref","type":"object"},"ResponseRelationshipModel":{"properties":{"data":{"anyOf":[{"$ref":"#/components/schemas/ResourceIdentifier"},{"items":{"$ref":"#/components/schemas/ResourceIdentifier"},"type":"array"}],"title":"Data"},"links":{"additionalProperties":{"anyOf":[{"type":"string"},{"$ref":"#/components/schemas/LinkHref"}]},"title":"Links","type":"object"},"meta":{"title":"Meta","type":"object"}},"title":"ResponseRelationshipModel","type":"object"},"JSONAPIErrorResponse":{"properties":{"errors":{"items":{"$ref":"#/components/schemas/JSONAPIError"},"title":"Errors","type":"array"}},"required":["errors"],"title":"JSONAPIErrorResponse","type":"object"},"JSONAPIError":{"properties":{"detail":{"default":"","title":"Detail","type":"string"},"status":{"title":"Status","type":"integer"},"title":{"title":"Title","type":"string"}},"required":["title"],"title":"JSONAPIError","type":"object"},"HTTPValidationError":{"properties":{"detail":{"items":{"$ref":"#/components/schemas/ValidationError"},"title":"Detail","type":"array"}},"title":"HTTPValidationError","type":"object"},"ValidationError":{"properties":{"loc":{"items":{"anyOf":[{"type":"string"},{"type":"integer"}]},"title":"Location","type":"array"},"msg":{"title":"Message","type":"string"},"type":{"title":"Error Type","type":"string"}},"required":["loc","msg","type"],"title":"ValidationError","type":"object"}}},"paths":{"/v2/furnishment/accounts/{account_id}/events":{"post":{"description":"This is the single endpoint that will capture various account events.\n All events are optional, but at least one event must be provided.\n Within each event there are required attributes.\n\n Supported events:\n - `add_secondary_consumer`: Add a secondary consumer to an account.\n - `remove_secondary_consumer`: Remove a secondary consumer from an account.\n - `foreclosure_started`: Report a foreclosure started event.\n - `foreclosure_completed`: Report a foreclosure completed event.\n A `foreclosure_started` event must already exist for an account before a\n`foreclosure_completed` event can be created.\n - `voluntary_surrender`: Report a voluntary surrendered event.\n - `collateral_depreciation`: Report a collateral depreciation event.\n Represents a credit line is reduced or suspenden due to collateral depreciation.\n To be used for Home Equity or other secured line of credit accounts\n - `repossession`: Report a repossession event.\n - `loan_reinstatement`: Report a loan reinstatement event. A collateral event\n (voluntary surrendered or repossession) must already exist to use this event.\n - `loan_redemption`: Report a loan redemption event. A collateral event\n (voluntary surrendered or repossession) must already exist to use this event.\n - `credit_line_suspended`: Report an account whose credit line has been suspended.\n - `short_sale`: Report a short sale event. It should have a valid account status to\n be able to create this event.\n - `deed_received_mortgage`: Report deed received mortgage event.\n - `forbearance`: Report forbearance event.\n - `close`: Report close event.\n - `charge_off`: Report charge off event. Either the Unpaid balance\n is reported as a loss, or the account paid in full, was a charge-off.\n In order to create an charge-off event with npaid balance reported as a loss,\n the account needs to have at least 30 days delinquent in the previous statement.\n - `natural_disaster_start`: Report an account affected by a natural disaster.\n - `natural_disaster_end`: Report a natural disaster end event. There must be an\n existing natural disaster start event for an account before calling this event.\n - `transfer`: Report a sell or buy transfer type to an account.\n - `remove_transfer`: Remove an existing transfer of an account.\n  - `dispute_started`: Report a dispute started event.\n - `dispute_completed`: Report a dispute completed event.\n - `delete`: Create a delete account event. This event will soft delete the account.","operationId":"create_account_event_api_v1_accounts__account_id__events__post","parameters":[{"in":"path","name":"account_id","required":true,"schema":{"format":"uuid","title":"Account Id","type":"string"}}],"requestBody":{"content":{"application/json":{"schema":{"$ref":"#/components/schemas/Request_AccountUpdateEvent_"}}},"required":true},"responses":{"200":{"content":{"application/json":{"schema":{"$ref":"#/components/schemas/Response_Account_"}}},"description":"Successful Response"},"400":{"content":{"application/json":{"schema":{"$ref":"#/components/schemas/JSONAPIErrorResponse"}}},"description":"Bad Request"},"409":{"content":{"application/json":{"schema":{"$ref":"#/components/schemas/JSONAPIErrorResponse"}}},"description":"Conflict detected from request. "},"422":{"content":{"application/json":{"schema":{"$ref":"#/components/schemas/HTTPValidationError"}}},"description":"Validation Error"}},"summary":"Create Account Event","tags":["Account Events"]}}}}
```


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## 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/v2.1/furnishment-api/account-events/create-account-event.md?ask=<question>&goal=<user_goal>
```

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