File Generation and Infrastructure

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File Naming Conventions

Standard Naming

Format: {COMPANY_LEGAL_NAME}{COMPANY_ID}{AGENCY_NAME}{YYYYMMDD}.txt

Example: ACMELENDINGLLCCPYL69X5Z1EQUIFAX20260101.txt

Rules:

• Company legal name: First 20 characters, special characters removed
• Company ID: Peach public company ID
• Agency name: Full agency name in uppercase
• Date: Activity date in YYYYMMDD format

Experian Convention

Format: {FILE_NAME_PREFIX}.{MMDDYYYY}.txt

Example: MKFRT.01012026.txt

Requirements:

• nameFilePerAgencyConvention: true
• fileNamePrefix must be set (provided by Experian)
• Date format is MMDDYYYY (different from standard)

Chunk File Naming (Internal)

Format: part.{agency}.{date}.{chunk_id}.peach.txt

Example: part.equifax.20260101.abc123.peach.txt

Metadata File Naming (Internal)

Format: metadata.{agency}.{date}.{chunk_id}.json

Example: metadata.equifax.20260101.abc123.json

SFTP Upload and Encryption

Authentication Methods

Username/Password:

{
  "sftpAccessMethod": "usernamePassword",
  "sftpHostname": "sftp.bureau.com:22",
  "sftpUsername": "yourcompany",
  "sftpPassword": "encrypted_password"
}

SSH Keys:

{
  "sftpAccessMethod": "keys",
  "sftpHostname": "sftp.bureau.com:22"
}

When using keys, Peach generates a key pair. Share the public key with the bureau.

GPG Encryption

When encryptionMethod: "GPG" is configured:

1. Generate Metro 2 file in plain text
2. Import bureau's public key
3. Encrypt file using GPG
4. Upload encrypted file to SFTP

Directory Navigation

Use sftpCdDir to specify the upload directory:

{
  "sftpCdDir": "/inbound/metro2"
}

The system will cd to this directory before uploading.

File Creation Record

After upload, a FileCreationRecord is created:

Success:

{
  "creditAgencyIds": ["CA-XXX"],
  "companyIds": ["CP-YYY"],
  "agencyName": "equifax",
  "status": "succeeded",
  "activityDate": "2025-12-31",
  "fileName": "ACMELENDING...20260101.txt"
}

Failure:

{
  "status": "failed",
  "failureDescription": "SFTP connection timeout"
}