Synthetic Auto Finance

Cross-bureau comparison · 1 bureau record(s)

Per-bureau values (each bureau's record kept as reported)

Field	EX 2026-09-01	Consolidated
Furnisher / creditor name	Synthetic Auto Finance	Synthetic Auto Finance
Account number	7777	7777
Account type	installment raw: Auto Loan	installment
Date opened	2020-01-15	2020-01-15
Date of first delinquency	2022-05	2022-05
Balance	6400.00 raw: $6,400.00	6400.00
High credit / original amount	18000.00 raw: $18,000.00	18000.00
Account status	repossession raw: Repossession	repossession

Findings for this account

Unresolved question Weak California CCRAA reporting-period provisions: a required element is not met on the known facts.
All required elements are satisfied on the known facts. The computed period has not elapsed as of 2026-10-10; it runs to 2029-05-31. Authority not verified (needs_research): treat as a research lead, not a conclusion. Calculated window: 2029-05-01 to 2029-05-31 (estimated from 2022-05). The period parameters are unverified placeholders; treat the dates as research-needed.
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Unresolved question Not assessable California limitation period: oral contracts and certain other obligations: cannot be assessed — missing account.accrual_date, account.claim_type.
Missing facts: account.accrual_date, account.claim_type. trigger 'account.accrual_date' is unknown; no date computed.
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Unresolved question Not assessable California limitation period: contracts for sale of goods: cannot be assessed — missing account.accrual_date, account.claim_type.
Missing facts: account.accrual_date, account.claim_type. trigger 'account.accrual_date' is unknown; no date computed.
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Unresolved question Not assessable California limitation period: action on a written contract: cannot be assessed — missing account.accrual_date, account.claim_type.
Missing facts: account.accrual_date, account.claim_type. trigger 'account.accrual_date' is unknown; no date computed.
trace to source
Unresolved question Not assessable California vehicle repossession: post-repossession notice and deficiency conditions: cannot be assessed — missing account.was_repossessed.
Circumstance 'account.was_repossessed' is unknown.
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Provisional theory Plausible Internal accounting consistency checks (convention, not law): elements appear satisfied (authority provisional).
All required elements are satisfied on the known facts. Authority not verified (provisional): treat as a research lead, not a conclusion.
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Unresolved question Not assessable Furnisher duties after receiving notice of a dispute from a bureau: cannot be assessed — missing event.cra_dispute_received, event.cra_notice_to_furnisher.
Missing facts: event.cra_dispute_received, event.cra_notice_to_furnisher.
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Unresolved question Not assessable Furnisher duty on a dispute sent directly by the consumer: cannot be assessed — missing account.direct_dispute_subject_in_scope, event.furnisher_dispute_received.
Missing facts: account.direct_dispute_subject_in_scope, event.furnisher_dispute_received. trigger 'event.furnisher_dispute_received' is unknown; no date computed.
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Unresolved question Not assessable Block of information resulting from identity theft: cannot be assessed — missing account.owner_asserts_identity_theft.
Circumstance 'account.owner_asserts_identity_theft' is unknown.
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Unresolved question Not assessable Inquiries require a permissible purpose: cannot be assessed — missing account.is_inquiry.
Circumstance 'account.is_inquiry' is unknown.
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Unresolved question Not assessable CRA reinvestigation after a consumer dispute: cannot be assessed — missing event.cra_dispute_received.
Missing facts: event.cra_dispute_received. trigger 'event.cra_dispute_received' is unknown; no date computed.
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Unresolved question Weak FCRA reporting period for adverse items (runs from the date of first delinquency): a required element is not met on the known facts.
All required elements are satisfied on the known facts. Unresolved exceptions could change this: ['transaction_amount_thresholds']. The computed period has not elapsed as of 2026-10-10; it runs to 2029-11-27. Authority not verified (needs_research): treat as a research lead, not a conclusion. Calculated window: 2029-10-28 to 2029-11-27 (estimated from 2022-05). The period parameters are unverified placeholders; treat the dates as research-needed.
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Unresolved question Not assessable FCRA reporting period for bankruptcy cases: cannot be assessed — missing account.is_bankruptcy_item.
Circumstance 'account.is_bankruptcy_item' is unknown.
trace to source
Unresolved question Not assessable Notification before disposition of repossessed collateral (UCC Article 9 as enacted): cannot be assessed — missing account.was_repossessed.
Circumstance 'account.was_repossessed' is unknown.
trace to source

Evidence gaps

account.accrual_date — Fact 'account.accrual_date' is unknown or conflicting. open
account.claim_type — Fact 'account.claim_type' is unknown or conflicting. open
account.direct_dispute_subject_in_scope — Fact 'account.direct_dispute_subject_in_scope' is unknown or conflicting. open
account.is_bankruptcy_item — Fact 'account.is_bankruptcy_item' is unknown or conflicting. open
account.is_inquiry — Fact 'account.is_inquiry' is unknown or conflicting. open
account.owner_asserts_identity_theft — Fact 'account.owner_asserts_identity_theft' is unknown or conflicting. open
account.was_repossessed — Fact 'account.was_repossessed' is unknown or conflicting. open
bureau_coverage — No record from EQ, TU is linked to this account. open
charge_off_amount — For a repossession account, the deficiency amount is not reported. open
date_closed — For a repossession account, the repossession/surrender date is not reported. open
event.cra_dispute_received — No dated event recorded for 'event.cra_dispute_received'. open
event.cra_notice_to_furnisher — No dated event recorded for 'event.cra_notice_to_furnisher'. open
event.furnisher_dispute_received — No dated event recorded for 'event.furnisher_dispute_received'. open

Routes for this account (strategy)

Recommended next step provisional Plausible Request an itemized accounting
A request for an itemization: principal, interest, fees, payments, credits, and charge-off amount.
Why, risks, and contact considerations
- ca.repossession.rees_levering_notice: missing account.was_repossessed
- convention.accounting_consistency: elements satisfied but the authority is provisional
- ucc9.disposition_notice: missing account.was_repossessed
Contact: yes (current_owner). Ask for the itemization; do not characterize any amount as owed.

Risk tags: acknowledgment risk

Sources: rule ca.repossession.rees_levering_notice (insufficient_facts) rule convention.accounting_consistency (elements_met) rule ucc9.disposition_notice (insufficient_facts)
Alternative provisional Plausible Ask who owns the debt and for the chain of assignment
A request identifying the current owner, the original creditor, and the dates of any assignment.
Why, risks, and contact considerations
- convention.accounting_consistency: elements satisfied but the authority is provisional
Contact: yes (collector). Phrase as questions, not admissions.

Risk tags: acknowledgment risk

Sources: rule convention.accounting_consistency (elements_met)
Alternative blocked by missing facts Not assessable Dispute the item with the bureau(s)
A written dispute to the consumer reporting agency identifying the specific inaccuracy and enclosing supporting documents.
Why, risks, and contact considerations
- ca.ccraa.reporting_period: a required element is not satisfied
- fcra.furnisher.after_cra_notice: missing event.cra_dispute_received, event.cra_notice_to_furnisher
- fcra.furnisher.direct_dispute: missing account.direct_dispute_subject_in_scope, event.furnisher_dispute_received
- fcra.identity_theft_block: missing account.owner_asserts_identity_theft
- fcra.permissible_purpose: missing account.is_inquiry
- fcra.reinvestigation.cra: missing event.cra_dispute_received
- fcra.reporting_period.adverse_items: a required element is not satisfied
- fcra.reporting_period.bankruptcy: missing account.is_bankruptcy_item
Contact: yes (bureau). Discloses what you contend is wrong. A vague dispute invites a 'verified as accurate' response; gather the supporting document first.

Risk tags: starts reinvestigation clock disclosure of position

Sources: rule ca.ccraa.reporting_period (elements_not_met) rule fcra.furnisher.after_cra_notice (insufficient_facts) rule fcra.furnisher.direct_dispute (insufficient_facts) rule fcra.identity_theft_block (insufficient_facts) rule fcra.permissible_purpose (insufficient_facts) rule fcra.reinvestigation.cra (insufficient_facts) rule fcra.reporting_period.adverse_items (elements_not_met) rule fcra.reporting_period.bankruptcy (insufficient_facts)
Alternative blocked by missing facts Not assessable Prepare a regulator complaint (not sent by this app)
A complaint to a regulator describing the facts and prior attempts; drafted for your review only.
Why, risks, and contact considerations
- fcra.reinvestigation.cra: missing event.cra_dispute_received
Contact: yes (regulator). A regulator complaint is not a dispute to the bureau and does not by itself trigger reinvestigation duties.

Risk tags: disclosure of position not a dispute

Sources: rule fcra.reinvestigation.cra (insufficient_facts)
Alternative blocked by missing facts Not assessable Dispute directly with the furnisher
A direct written dispute to the data furnisher about specific reported information.
Why, risks, and contact considerations
- fcra.furnisher.direct_dispute: missing account.direct_dispute_subject_in_scope, event.furnisher_dispute_received
- fcra.reporting_period.adverse_items: a required element is not satisfied
Contact: yes (furnisher). Direct disputes have their own rules and exceptions; some categories are excluded. Keep proof of delivery.

Risk tags: disclosure of position

Sources: rule fcra.furnisher.direct_dispute (insufficient_facts) rule fcra.reporting_period.adverse_items (elements_not_met)
Alternative blocked by missing facts Not assessable Consult legal aid or an attorney
Where a rule is unverified or the facts suggest a potential claim, a consultation can confirm the analysis.
Why, risks, and contact considerations
- ca.limitations.oral_or_other: missing account.accrual_date, account.claim_type
- ca.limitations.sale_of_goods: missing account.accrual_date, account.claim_type
- ca.limitations.written_contract: missing account.accrual_date, account.claim_type
- ca.repossession.rees_levering_notice: missing account.was_repossessed
- fcra.furnisher.after_cra_notice: missing event.cra_dispute_received, event.cra_notice_to_furnisher
- fcra.identity_theft_block: missing account.owner_asserts_identity_theft
- fcra.permissible_purpose: missing account.is_inquiry
- fcra.reinvestigation.cra: missing event.cra_dispute_received
- ucc9.disposition_notice: missing account.was_repossessed
Contact: no contact needed. No counterparty contact.

Sources: rule ca.limitations.oral_or_other (insufficient_facts) rule ca.limitations.sale_of_goods (insufficient_facts) rule ca.limitations.written_contract (insufficient_facts) rule ca.repossession.rees_levering_notice (insufficient_facts) rule fcra.furnisher.after_cra_notice (insufficient_facts) rule fcra.identity_theft_block (insufficient_facts) rule fcra.permissible_purpose (insufficient_facts) rule fcra.reinvestigation.cra (insufficient_facts) rule ucc9.disposition_notice (insufficient_facts)
Alternative blocked by missing facts Not assessable Review the limitation period before any payment or acknowledgment
Establish claim type, accrual date, governing law and any tolling/revival facts before deciding on contact.
Why, risks, and contact considerations
- ca.limitations.oral_or_other: missing account.accrual_date, account.claim_type
- ca.limitations.sale_of_goods: missing account.accrual_date, account.claim_type
- ca.limitations.written_contract: missing account.accrual_date, account.claim_type
Contact: no contact needed. A payment or written acknowledgment may affect the limitation period under some state rules; research first. Revival/limitation effects are a research item (3 of 3 limitation rules unverified).

Risk tags: revival risk

Sources: rule ca.limitations.oral_or_other (insufficient_facts) rule ca.limitations.sale_of_goods (insufficient_facts) rule ca.limitations.written_contract (insufficient_facts)
Alternative blocked by missing facts Not assessable Review whether the item is beyond its reporting period
Establish the DOFD from your own records, then compare with the reporting-period rule once verified.
Why, risks, and contact considerations
- ca.ccraa.reporting_period: a required element is not satisfied
- fcra.reporting_period.adverse_items: a required element is not satisfied
- fcra.reporting_period.bankruptcy: missing account.is_bankruptcy_item
Contact: no contact needed. No contact needed until the DOFD is established.

Sources: rule ca.ccraa.reporting_period (elements_not_met) rule fcra.reporting_period.adverse_items (elements_not_met) rule fcra.reporting_period.bankruptcy (insufficient_facts)
Alternative blocked by missing facts Not assessable Review post-repossession notices and deficiency accounting
Obtain the notice of intent to dispose, the disposition details, and the deficiency calculation.
Why, risks, and contact considerations
- ca.repossession.rees_levering_notice: missing account.was_repossessed
- ucc9.disposition_notice: missing account.was_repossessed
Contact: yes (lender). Request documents; do not concede the deficiency.

Risk tags: acknowledgment risk

Sources: rule ca.repossession.rees_levering_notice (insufficient_facts) rule ucc9.disposition_notice (insufficient_facts)
Alternative inapplicable Weak Investigate the date of first delinquency / possible re-aging
Collect your own statements and prior reports to establish the first missed payment before contacting anyone.
Why, risks, and contact considerations
- fcra.reporting_period.adverse_items: a required element is not satisfied
Contact: no contact needed. No contact required for this step.

Sources: rule fcra.reporting_period.adverse_items (elements_not_met)

Rule evaluations

Rule	Outcome	Authority	Confidence	Detail
bureau_policy.early_exclusion v1	inapplicable	needs research	Weak	Applies to ['collection', 'charge_off', 'late']; this account is ['installment', 'repossession']. Elements Confidence components: contrary evidence: none recorded; element coverage: inapplicable; legal verification: needs_research; source quality: n/a;
ca.ccraa.reporting_period v1	elements not met	needs research	Weak	All required elements are satisfied on the known facts. The computed period has not elapsed as of 2026-10-10; it runs to 2029-05-31. Authority not verified (needs_research): treat as a research lead, not a conclusion. Window: 2029-05-01 → 2029-05-31 (estimated; unverified parameters) Elements satisfied dofd_known ← account.date_of_first_delinquency = 2022-05 (known, bureau report) satisfied governing_law_ca ← jurisdiction.determined = yes (known, residence) Confidence components: contrary evidence: none recorded; element coverage: elements_not_met; legal verification: needs_research; source quality: bureau_report, residence;
ca.licensing.debt_collector v1	inapplicable	needs research	Weak	Applies to ['collection']; this account is ['installment', 'repossession']. Elements Confidence components: contrary evidence: none recorded; element coverage: inapplicable; legal verification: needs_research; source quality: n/a;
ca.limitations.oral_or_other v1	insufficient facts	needs research	Not assessable	Missing facts: account.accrual_date, account.claim_type. Missing: account.accrual_date, account.claim_type Elements unknown claim_type_oral ← account.claim_type (unknown, calculated) — fact 'account.claim_type' is unknown unknown accrual_known ← account.accrual_date (unknown, calculated) satisfied governing_law_ca ← jurisdiction.determined = yes (known, residence) Confidence components: contrary evidence: none recorded; element coverage: insufficient_facts; missing: account.accrual_date, account.claim_type; legal verification: needs_research; source quality: residence;
ca.limitations.sale_of_goods v1	insufficient facts	needs research	Not assessable	Missing facts: account.accrual_date, account.claim_type. Missing: account.accrual_date, account.claim_type Elements unknown claim_type_sale ← account.claim_type (unknown, calculated) — fact 'account.claim_type' is unknown unknown accrual_known ← account.accrual_date (unknown, calculated) satisfied governing_law_ca ← jurisdiction.determined = yes (known, residence) Confidence components: contrary evidence: none recorded; element coverage: insufficient_facts; missing: account.accrual_date, account.claim_type; legal verification: needs_research; source quality: residence;
ca.limitations.written_contract v1	insufficient facts	needs research	Not assessable	Missing facts: account.accrual_date, account.claim_type. Missing: account.accrual_date, account.claim_type Elements unknown claim_type_written ← account.claim_type (unknown, calculated) — fact 'account.claim_type' is unknown unknown accrual_known ← account.accrual_date (unknown, calculated) satisfied governing_law_ca ← jurisdiction.determined = yes (known, residence) Confidence components: contrary evidence: none recorded; element coverage: insufficient_facts; missing: account.accrual_date, account.claim_type; legal verification: needs_research; source quality: residence;
ca.repossession.rees_levering_notice v1	insufficient facts	needs research	Not assessable	Circumstance 'account.was_repossessed' is unknown. Missing: account.was_repossessed Elements Confidence components: contrary evidence: none recorded; element coverage: insufficient_facts; missing: account.was_repossessed; legal verification: needs_research; source quality: n/a;
ca.rosenthal.conduct v1	inapplicable	needs research	Weak	Applies to ['collection', 'charge_off']; this account is ['installment', 'repossession']. Elements Confidence components: contrary evidence: none recorded; element coverage: inapplicable; legal verification: needs_research; source quality: n/a;
convention.accounting_consistency v1	elements met	provisional	Plausible	All required elements are satisfied on the known facts. Authority not verified (provisional): treat as a research lead, not a conclusion. Elements satisfied balance_known ← account.balance = 6400.00 (known, bureau report) Confidence components: contrary evidence: none recorded; element coverage: elements_met; legal verification: provisional; source quality: bureau_report;
fcra.furnisher.after_cra_notice v1	insufficient facts	needs research	Not assessable	Missing facts: event.cra_dispute_received, event.cra_notice_to_furnisher. Missing: event.cra_dispute_received, event.cra_notice_to_furnisher Elements unknown cra_notice_received_by_furnisher ← event.cra_notice_to_furnisher (unknown, user asserted) unknown consumer_disputed_to_cra ← event.cra_dispute_received (unknown, user asserted) Confidence components: contrary evidence: none recorded; element coverage: insufficient_facts; missing: event.cra_dispute_received, event.cra_notice_to_furnisher; legal verification: needs_research; source quality: n/a;
fcra.furnisher.direct_dispute v1	insufficient facts	needs research	Not assessable	Missing facts: account.direct_dispute_subject_in_scope, event.furnisher_dispute_received. Missing: account.direct_dispute_subject_in_scope, event.furnisher_dispute_received Elements unknown direct_dispute_received ← event.furnisher_dispute_received (unknown, user asserted) unknown dispute_in_scope ← account.direct_dispute_subject_in_scope (unknown, calculated) — fact 'account.direct_dispute_subject_in_scope' is unknown Confidence components: contrary evidence: none recorded; element coverage: insufficient_facts; missing: account.direct_dispute_subject_in_scope, event.furnisher_dispute_received; legal verification: needs_research; source quality: n/a;
fcra.identity_theft_block v1	insufficient facts	needs research	Not assessable	Circumstance 'account.owner_asserts_identity_theft' is unknown. Missing: account.owner_asserts_identity_theft Elements Confidence components: contrary evidence: none recorded; element coverage: insufficient_facts; missing: account.owner_asserts_identity_theft; legal verification: needs_research; source quality: n/a;
fcra.permissible_purpose v1	insufficient facts	needs research	Not assessable	Circumstance 'account.is_inquiry' is unknown. Missing: account.is_inquiry Elements Confidence components: contrary evidence: none recorded; element coverage: insufficient_facts; missing: account.is_inquiry; legal verification: needs_research; source quality: n/a;
fcra.reinvestigation.cra v1	insufficient facts	needs research	Not assessable	Missing facts: event.cra_dispute_received. Missing: event.cra_dispute_received Elements unknown dispute_received ← event.cra_dispute_received (unknown, user asserted) satisfied dispute_not_frivolous ← event.cra_dispute_frivolous_notice (unknown, user asserted) Confidence components: contrary evidence: none recorded; element coverage: insufficient_facts; missing: event.cra_dispute_received; legal verification: needs_research; source quality: user_asserted;
fcra.reporting_period.adverse_items v1	elements not met	needs research	Weak	All required elements are satisfied on the known facts. Unresolved exceptions could change this: ['transaction_amount_thresholds']. The computed period has not elapsed as of 2026-10-10; it runs to 2029-11-27. Authority not verified (needs_research): treat as a research lead, not a conclusion. Window: 2029-10-28 → 2029-11-27 (estimated; unverified parameters) Elements satisfied item_is_adverse ← account.is_derogatory = yes (known, calculated) satisfied dofd_known ← account.date_of_first_delinquency = 2022-05 (known, bureau report) Confidence components: contrary evidence: none recorded; element coverage: elements_not_met; legal verification: needs_research; source quality: bureau_report, calculated;
fcra.reporting_period.bankruptcy v1	insufficient facts	needs research	Not assessable	Circumstance 'account.is_bankruptcy_item' is unknown. Missing: account.is_bankruptcy_item Elements Confidence components: contrary evidence: none recorded; element coverage: insufficient_facts; missing: account.is_bankruptcy_item; legal verification: needs_research; source quality: n/a;
fdcpa.conduct v1	inapplicable	needs research	Weak	Applies to ['collection']; this account is ['installment', 'repossession']. Elements Confidence components: contrary evidence: none recorded; element coverage: inapplicable; legal verification: needs_research; source quality: n/a;
fdcpa.validation v1	inapplicable	needs research	Weak	Applies to ['collection']; this account is ['installment', 'repossession']. Elements Confidence components: contrary evidence: none recorded; element coverage: inapplicable; legal verification: needs_research; source quality: n/a;
ucc9.disposition_notice v1	insufficient facts	needs research	Not assessable	Circumstance 'account.was_repossessed' is unknown. Missing: account.was_repossessed Elements Confidence components: contrary evidence: none recorded; element coverage: insufficient_facts; missing: account.was_repossessed; legal verification: needs_research; source quality: n/a;

Events (dated, with provenance; corrections keep the old record)

No events recorded.

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Facts you have recorded (owner assertions, kept separate from bureau data)

None yet.

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What Value Reason (what document or knowledge supports this) Evidence id (optional, strongly recommended)

Choices for claim type: written_contract, oral_contract, open_book_account, sale_of_goods, unknown. Yes/no facts take "yes" or "no". Dates take YYYY-MM-DD or YYYY-MM.

Evidence linked to this account

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