Kenya DCP 2022 §17 — negative data reporting to Metropol, TransUnion Kenya, and CreditInfo Kenya. Submit within 30 days of default; de-list within 30 days of full repayment.
DCP 2022 §17 requires submission within 30 days of default. Late submissions must be reported to CBK DCP supervision with a remediation plan.
1 submission rejected by bureau.
Common rejection reasons: missing ODPC consent reference, mismatched National ID, invalid loan reference format. Verify consent status and resubmit within 5 business days.
All CRB actions6 records
Borrower
Loan
DPD
Overdue
Bureau
Action
Status
Deadline
Consent
Faith Njeri Kamau
ID 28••••12 · BRW-0041
LN-2024-0441
KES 480,000
127d
KES 62,400
Metropol
List
Pending submission
2026-07-22
26d overdue
ODPC ✓
Samuel Otieno Odhiambo
ID 31••••07 · BRW-0089
LN-2024-0612
KES 1,200,000
98d
KES 144,000
TransUnion Kenya
List
Submitted — awaiting ACK
2026-07-19
29d overdue
ODPC ✓
Mary Wanjiku Mwangi
ID 19••••44 · BRW-0102
LN-2023-1108
KES 240,000
201d
—
Metropol
De-list
Pending submission
2026-07-25
23d overdue
ODPC ✓
James Mutuku Musyoka
ID 24••••88 · BRW-0057
LN-2024-0289
KES 750,000
156d
KES 89,000
CreditInfo Kenya
List
Acknowledged by bureau
2026-07-02
ODPC ✓
Grace Akinyi Ochieng
ID 33••••21 · BRW-0073
LN-2024-0391
KES 360,000
112d
KES 43,200
TransUnion Kenya
List
Rejected by bureau
2026-07-08
No consent
Peter Kipchoge Rono
ID 17••••63 · BRW-0019
LN-2023-0721
KES 900,000
310d
—
Metropol
De-list
De-listed
2026-06-22
ODPC ✓
Regulatory obligations — DCP 2022 §17
Submit negative credit information to at least one licensed CRB within 30 days of default (90+ DPD).
De-list borrower within 30 days of full loan repayment and provide a clearance certificate.
Obtain borrower consent (ODPC Data Protection Act 2019 §30) before first submission; retain consent reference in file.
Rejection by bureau must be remediated and resubmitted within 5 business days.
All CRB activities are subject to CBK DCP audit during on-site examination.