> ## Documentation Index
> Fetch the complete documentation index at: https://docs.younegotiate.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Account Delivery & Consumer Notification Workflow

> After account upload, the platform validates account data, appends eligible negotiation offers, delivers the account into the Consumer EcoPortal, and determines whether consumer notifications may be sent based on communication preferences and PII opt-out compliance rules.

## Step 1 – Import File

The creditor uploads consumer account data using:

* Add New Accounts
* Add Accounts + CFPB

### Result

The import file enters validation and processing workflows.

***

## Step 2 – File Validation & Processing

The platform validates and processes uploaded account data.

### Validation Includes

* Required field validation
* Consumer PII duplication checks
* Original account duplication checks
* Dispute reason validation
* No-pay reason validation
* Paid account validation
* Communication data validation

### Processing Outcomes

* Validated accounts are:
* Matched to consumer records
* Appended with eligible pay-term offers
* Prepared for Consumer EcoPortal delivery
* Routed into communication workflows
* Generated with CFPB Validation Letters when applicable

### Failure Scenarios

* Missing required fields
* Duplicate account records
* Invalid consumer data
* Invalid communication data
* Invalid account status

***

## Step 3 – Deliver Account to Consumer Portal

After validation and processing, the platform delivers:

* Consumer account data
* Negotiation offers
* Associated account metadata
  into the consumer's secure portal.

### Key Concept

Account delivery occurs before notification delivery.
The Consumer Portal serves as the system of record for consumer account access, offer visibility, and negotiation activity.

***

## Step 4 – Consumer Notification Decision Engine

After account delivery, the platform evaluates whether outbound notifications may be sent.

### Decision Path A – Communication Profile Exists

**Question**
Does the consumer have an active Communication Profile?
**If Yes**
The platform uses stored consumer preferences and consent settings.

### Notification Rules

Notifications may be sent according to:

* SMS preferences
* Email preferences
* Preferred communication channels
* Consent settings
* Frequency preferences

### Examples

* SMS only → Send text notification
* Email only → Send email notification
* SMS and Email → Send both

***

## Decision Path B – No Communication Profile Exists

**Question**
Does the consumer have a Communication Profile?
**If No**
The platform uses creditor-supplied contact information from the imported account.

### Fallback Contact Data

* Mobile phone number
* Email address

***

## Step 5 – PII Opt-Out Compliance Check

Before any fallback notification is sent, the platform validates contact information against the PII Opt-Out Registry.

### Compliance Validation

* Is the email address opted out?
* Is the mobile phone number opted out?

### If Contact Method Is Not Opted Out

The platform may send:

* SMS notifications
* Email notifications

### If Contact Method Is Opted Out

The platform suppresses notifications for that communication method.
**Examples**

* Mobile opted out → No SMS
* Email opted out → No Email
* Both opted out → No outbound notification

***

## Important Compliance Rule

The platform must never send outbound communications to contact methods listed on the consumer's PII Opt-Out Registry.
Consumer communication preferences and opt-out settings always override creditor-uploaded contact information.