Deadline timeline
Each clock is tied to a specific rule and trigger. confirmed needs a verified rule and an evidenced, day-precise trigger; estimated means a range or an owner-asserted trigger; provisional means the rule is not verified; blocked means the trigger is not recorded.
Validation period after initial communication · Synthetic Auto Finance blocked
- Window
- —
- Trigger
- event.collector_initial_communication = not recorded (unknown)
- Rule
- fdcpa.validation v1 needs research · method days_from_event · inputs {}
- Consequence
- not stated: no verified rule establishes a consequence yet
- Next action
- Record the triggering event with its date and evidence (or confirm the fact).
- Unresolved
- Trigger 'event.collector_initial_communication' is not recorded; nothing is computed.
- Last change
- 2026-10-27 23:59 · initial
CRA reinvestigation period · Synthetic Auto Finance blocked
- Window
- —
- Trigger
- event.cra_dispute_received = not recorded (unknown)
- Rule
- fcra.reinvestigation.cra v1 needs research · method days_from_event · inputs {}
- Consequence
- not stated: no verified rule establishes a consequence yet
- Next action
- Record the triggering event with its date and evidence (or confirm the fact).
- Unresolved
- Trigger 'event.cra_dispute_received' is not recorded; nothing is computed.
- Last change
- 2026-10-27 23:59 · initial
Furnisher direct-dispute response period · Synthetic Auto Finance blocked
- Window
- —
- Trigger
- event.furnisher_dispute_received = not recorded (unknown)
- Rule
- fcra.furnisher.direct_dispute v1 needs research · method days_from_event · inputs {}
- Consequence
- not stated: no verified rule establishes a consequence yet
- Next action
- Record the triggering event with its date and evidence (or confirm the fact).
- Unresolved
- Trigger 'event.furnisher_dispute_received' is not recorded; nothing is computed.
- Last change
- 2026-10-27 23:59 · initial
Limitation period estimate · Synthetic Auto Finance blocked
- Window
- —
- Trigger
- account.accrual_date = not recorded (unknown)
- Rule
- ca.limitations.written_contract v1 needs research · method limitations_from_accrual · inputs {}
- Consequence
- not stated: no verified rule establishes a consequence yet
- Next action
- Record the triggering event with its date and evidence (or confirm the fact).
- Unresolved
- Trigger 'account.accrual_date' is not recorded; nothing is computed.
- Last change
- 2026-10-27 23:59 · initial
Reporting period end (from DOFD) · Synthetic Auto Finance provisional
- Window
- 2029-10-28 → 2029-11-27
- Trigger
- account.date_of_first_delinquency = 2022-05 (confirmed)
- Rule
- fcra.reporting_period.adverse_items v1 needs research · method reporting_period_from_dofd · inputs {'extra_days': 180, 'trigger': '2022-05', 'years': 7}
- Consequence
- not stated: no verified rule establishes a consequence yet
- Next action
- Compare with the current report after this date; keep the DOFD evidence on file.
- Unresolved
- Rule not verified: period parameters are research placeholders.
- Unresolved exceptions: transaction_amount_thresholds.
- Last change
- 2026-10-27 23:59 · initial
Validation period after initial communication · Synthetic Bank blocked
- Window
- —
- Trigger
- event.collector_initial_communication = not recorded (unknown)
- Rule
- fdcpa.validation v1 needs research · method days_from_event · inputs {}
- Consequence
- not stated: no verified rule establishes a consequence yet
- Next action
- Record the triggering event with its date and evidence (or confirm the fact).
- Unresolved
- Trigger 'event.collector_initial_communication' is not recorded; nothing is computed.
- Last change
- 2026-10-27 23:59 · initial
CRA reinvestigation period · Synthetic Bank blocked
- Window
- —
- Trigger
- event.cra_dispute_received = not recorded (unknown)
- Rule
- fcra.reinvestigation.cra v1 needs research · method days_from_event · inputs {}
- Consequence
- not stated: no verified rule establishes a consequence yet
- Next action
- Record the triggering event with its date and evidence (or confirm the fact).
- Unresolved
- Trigger 'event.cra_dispute_received' is not recorded; nothing is computed.
- Last change
- 2026-10-27 23:59 · initial
Furnisher direct-dispute response period · Synthetic Bank blocked
- Window
- —
- Trigger
- event.furnisher_dispute_received = not recorded (unknown)
- Rule
- fcra.furnisher.direct_dispute v1 needs research · method days_from_event · inputs {}
- Consequence
- not stated: no verified rule establishes a consequence yet
- Next action
- Record the triggering event with its date and evidence (or confirm the fact).
- Unresolved
- Trigger 'event.furnisher_dispute_received' is not recorded; nothing is computed.
- Last change
- 2026-10-27 23:59 · initial
Limitation period estimate · Synthetic Bank blocked
- Window
- —
- Trigger
- account.accrual_date = not recorded (unknown)
- Rule
- ca.limitations.written_contract v1 needs research · method limitations_from_accrual · inputs {}
- Consequence
- not stated: no verified rule establishes a consequence yet
- Next action
- Record the triggering event with its date and evidence (or confirm the fact).
- Unresolved
- Trigger 'account.accrual_date' is not recorded; nothing is computed.
- Last change
- 2026-10-27 23:59 · initial
Reporting period end (from DOFD) · Synthetic Bank blocked
- Window
- —
- Trigger
- account.date_of_first_delinquency = not recorded (unknown)
- Rule
- fcra.reporting_period.adverse_items v1 needs research · method reporting_period_from_dofd · inputs {}
- Consequence
- not stated: no verified rule establishes a consequence yet
- Next action
- Record the triggering event with its date and evidence (or confirm the fact).
- Unresolved
- Trigger 'account.date_of_first_delinquency' is not recorded; nothing is computed.
- Last change
- 2026-10-27 23:59 · initial
Validation period after initial communication · Synthetic Collections LLC blocked
- Window
- —
- Trigger
- event.collector_initial_communication = not recorded (unknown)
- Rule
- fdcpa.validation v1 needs research · method days_from_event · inputs {}
- Consequence
- not stated: no verified rule establishes a consequence yet
- Next action
- Record the triggering event with its date and evidence (or confirm the fact).
- Unresolved
- Trigger 'event.collector_initial_communication' is not recorded; nothing is computed.
- Last change
- 2026-10-27 23:59 · initial
CRA reinvestigation period · Synthetic Collections LLC blocked
- Window
- —
- Trigger
- event.cra_dispute_received = not recorded (unknown)
- Rule
- fcra.reinvestigation.cra v1 needs research · method days_from_event · inputs {}
- Consequence
- not stated: no verified rule establishes a consequence yet
- Next action
- Record the triggering event with its date and evidence (or confirm the fact).
- Unresolved
- Trigger 'event.cra_dispute_received' is not recorded; nothing is computed.
- Last change
- 2026-10-27 23:59 · initial
Furnisher direct-dispute response period · Synthetic Collections LLC blocked
- Window
- —
- Trigger
- event.furnisher_dispute_received = not recorded (unknown)
- Rule
- fcra.furnisher.direct_dispute v1 needs research · method days_from_event · inputs {}
- Consequence
- not stated: no verified rule establishes a consequence yet
- Next action
- Record the triggering event with its date and evidence (or confirm the fact).
- Unresolved
- Trigger 'event.furnisher_dispute_received' is not recorded; nothing is computed.
- Last change
- 2026-10-27 23:59 · initial
Limitation period estimate · Synthetic Collections LLC blocked
- Window
- —
- Trigger
- account.accrual_date = not recorded (unknown)
- Rule
- ca.limitations.written_contract v1 needs research · method limitations_from_accrual · inputs {}
- Consequence
- not stated: no verified rule establishes a consequence yet
- Next action
- Record the triggering event with its date and evidence (or confirm the fact).
- Unresolved
- Trigger 'account.accrual_date' is not recorded; nothing is computed.
- Last change
- 2026-10-27 23:59 · initial
Reporting period end (from DOFD) · Synthetic Collections LLC blocked
- Window
- —
- Trigger
- account.date_of_first_delinquency = not recorded (unknown)
- Rule
- fcra.reporting_period.adverse_items v1 needs research · method reporting_period_from_dofd · inputs {}
- Consequence
- not stated: no verified rule establishes a consequence yet
- Next action
- Record the triggering event with its date and evidence (or confirm the fact).
- Unresolved
- Trigger 'account.date_of_first_delinquency' is not recorded; nothing is computed.
- Last change
- 2026-10-27 23:59 · initial
Validation period after initial communication · Synthetic Card Services blocked
- Window
- —
- Trigger
- event.collector_initial_communication = not recorded (unknown)
- Rule
- fdcpa.validation v1 needs research · method days_from_event · inputs {}
- Consequence
- not stated: no verified rule establishes a consequence yet
- Next action
- Record the triggering event with its date and evidence (or confirm the fact).
- Unresolved
- Trigger 'event.collector_initial_communication' is not recorded; nothing is computed.
- Last change
- 2026-10-27 23:59 · initial
CRA reinvestigation period · Synthetic Card Services blocked
- Window
- —
- Trigger
- event.cra_dispute_received = not recorded (unknown)
- Rule
- fcra.reinvestigation.cra v1 needs research · method days_from_event · inputs {}
- Consequence
- not stated: no verified rule establishes a consequence yet
- Next action
- Record the triggering event with its date and evidence (or confirm the fact).
- Unresolved
- Trigger 'event.cra_dispute_received' is not recorded; nothing is computed.
- Last change
- 2026-10-27 23:59 · initial
Furnisher direct-dispute response period · Synthetic Card Services blocked
- Window
- —
- Trigger
- event.furnisher_dispute_received = not recorded (unknown)
- Rule
- fcra.furnisher.direct_dispute v1 needs research · method days_from_event · inputs {}
- Consequence
- not stated: no verified rule establishes a consequence yet
- Next action
- Record the triggering event with its date and evidence (or confirm the fact).
- Unresolved
- Trigger 'event.furnisher_dispute_received' is not recorded; nothing is computed.
- Last change
- 2026-10-27 23:59 · initial
Limitation period estimate · Synthetic Card Services blocked
- Window
- —
- Trigger
- account.accrual_date = not recorded (unknown)
- Rule
- ca.limitations.written_contract v1 needs research · method limitations_from_accrual · inputs {}
- Consequence
- not stated: no verified rule establishes a consequence yet
- Next action
- Record the triggering event with its date and evidence (or confirm the fact).
- Unresolved
- Trigger 'account.accrual_date' is not recorded; nothing is computed.
- Last change
- 2026-10-27 23:59 · initial
Reporting period end (from DOFD) · Synthetic Card Services blocked
- Window
- —
- Trigger
- account.date_of_first_delinquency = not recorded (unknown)
- Rule
- fcra.reporting_period.adverse_items v1 needs research · method reporting_period_from_dofd · inputs {}
- Consequence
- not stated: no verified rule establishes a consequence yet
- Next action
- Record the triggering event with its date and evidence (or confirm the fact).
- Unresolved
- Trigger 'account.date_of_first_delinquency' is not recorded; nothing is computed.
- Last change
- 2026-10-27 23:59 · initial