Investigation findings

Confirmed fact Potential issue Provisional theory Unresolved question · confidence: Supported Plausible Weak Not assessable

Run as of 2026-10-10 · engine s1.0 · ruleset c9e28cf3bf37… · Legal evaluations (facts vs. rule elements) and strategic routes are shown separately below; neither is a conclusion.

Synthetic Bank

Potential issue Plausible EQ: account marked sold/transferred still shows balance 4100.00.
When a debt is sold, the original creditor commonly reports a zero balance and the buyer reports the balance. Two tradelines showing the same balance can overstate what is owed. Whether this is inaccurate depends on the facts; obtain the ownership/assignment history.
Why this confidence
- basis: account marked sold/transferred still reports a balance
- legal verification: needs_research
- unknowns: ['whether a separate collection tradeline reports the same debt']
Support: supporting balance=4100.00 supporting high_credit=9000.00 supporting account_status=transferred
trace to source
Unresolved question Plausible Balance differs across bureaus (EQ: 4100.00, TU: 0.00).
This field commonly differs because reports are pulled on different dates. Compare report dates before treating it as an inaccuracy.
Why this confidence
- basis: balance differs; field is volatile
- legal verification: n/a
Support: supporting balance=4100.00 supporting balance=0.00
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.accrual_date, account.claim_type
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: residence
Support: context account.claim_type context account.accrual_date supporting None
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.accrual_date, account.claim_type
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: residence
Support: context account.claim_type context account.accrual_date supporting None
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.accrual_date, account.claim_type
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: residence
Support: context account.claim_type context account.accrual_date supporting None
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.was_repossessed
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support:
trace to source
Unresolved question Not assessable Internal accounting consistency checks (convention, not law): cannot be assessed — missing account.balance.
Missing facts: account.balance.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.balance
- legal verification: provisional
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support: context account.balance
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: event.cra_dispute_received, event.cra_notice_to_furnisher
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support: context None context None
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.direct_dispute_subject_in_scope, event.furnisher_dispute_received
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support: context None context account.direct_dispute_subject_in_scope
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.owner_asserts_identity_theft
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support:
trace to source
Unresolved question Not assessable Inquiries require a permissible purpose: cannot be assessed — missing account.is_inquiry.
Circumstance 'account.is_inquiry' is unknown.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.is_inquiry
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support:
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: event.cra_dispute_received
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: user_asserted
Support: context None supporting None
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.is_bankruptcy_item
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support:
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.was_repossessed
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support:
trace to source

Synthetic Collections LLC

Potential issue Plausible EQ: balance 1250.00 exceeds original amount 1000.00.
A balance above the original amount may be explained by interest, fees, or collection charges. Whether any such amount is permitted depends on the contract and applicable law; an accounting request can clarify. Not a violation by itself.
Why this confidence
- basis: balance exceeds high credit/original amount on a non-revolving account
- legal verification: n/a
- unknowns: ['interest, fees, or collection costs added', 'accounting statement']
Support: supporting balance=1250.00 supporting high_credit=1000.00 supporting account_status=collection
trace to source
Potential issue Plausible EX: balance 1250.00 exceeds original amount 1000.00.
A balance above the original amount may be explained by interest, fees, or collection charges. Whether any such amount is permitted depends on the contract and applicable law; an accounting request can clarify. Not a violation by itself.
Why this confidence
- basis: balance exceeds high credit/original amount on a non-revolving account
- legal verification: n/a
- unknowns: ['interest, fees, or collection costs added', 'accounting statement']
Support: supporting balance=1250.00 supporting high_credit=1000.00 supporting account_status=collection
trace to source
Potential issue Plausible TU: balance 1250.00 exceeds original amount 1000.00.
A balance above the original amount may be explained by interest, fees, or collection charges. Whether any such amount is permitted depends on the contract and applicable law; an accounting request can clarify. Not a violation by itself.
Why this confidence
- basis: balance exceeds high credit/original amount on a non-revolving account
- legal verification: n/a
- unknowns: ['interest, fees, or collection costs added', 'accounting statement']
Support: supporting balance=1250.00 supporting high_credit=1000.00 supporting account_status=collection
trace to source
Potential issue Supported Bureaus report different dates of first delinquency (EQ: 2019-08, EX: 2019-08-01, TU: 2020-02-01).
The date of first delinquency drives reporting-period calculations. A difference is a factual discrepancy to investigate, not by itself a violation. Possible explanations include furnisher reporting differences, a later re-aging, or a data entry error.
Why this confidence
- basis: bureau records disagree on date of first delinquency
- legal verification: n/a (factual observation)
Support: supporting date_of_first_delinquency=2019-08 supporting date_of_first_delinquency=2019-08-01 supporting date_of_first_delinquency=2020-02-01
trace to source
Potential issue Supported Bureaus report different original creditor (EQ: Synthetic Bank, EX: Synthetic Bank, TU: Synthetic Bank NA).
A cross-bureau difference is an investigative lead. It does not by itself establish inaccuracy on any one report; each bureau's record may reflect different furnisher submissions or dates.
Why this confidence
- basis: bureau records disagree on original creditor
- legal verification: n/a (factual observation)
Support: supporting original_creditor=Synthetic Bank supporting original_creditor=Synthetic Bank supporting original_creditor=Synthetic Bank NA
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Unresolved question Plausible Furnisher / creditor name differs across bureaus (EQ: Synthetic Collections LLC, EX: Synthetic Collections LLC, TU: SYNTHETIC COLLECTIONS).
This field commonly differs because reports are pulled on different dates. Compare report dates before treating it as an inaccuracy.
Why this confidence
- basis: furnisher / creditor name differs; field is volatile
- legal verification: n/a
Support: supporting furnisher_name=Synthetic Collections LLC supporting furnisher_name=Synthetic Collections LLC supporting furnisher_name=SYNTHETIC COLLECTIONS
trace to source
Provisional theory Not assessable Hypothesis: the conflicting DOFD could indicate re-aging by a furnisher.
This is a theory, not a finding. It cannot be assessed without the original delinquency date from the furnisher's records (e.g. statements, a prior report, or a validation response).
Why this confidence
- basis: DOFD conflict could indicate re-aging
- dispositive unknowns: ['original DOFD from furnisher records', 'furnisher reporting history']
- legal verification: needs_research
Support: supporting date_of_first_delinquency=2019-08 supporting date_of_first_delinquency=2019-08-01 supporting date_of_first_delinquency=2020-02-01
trace to source
Unresolved question Not assessable Bureau early-exclusion practice for adverse items (policy, not law): cannot be assessed — missing account.date_of_first_delinquency.
Missing facts: account.date_of_first_delinquency.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.date_of_first_delinquency
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support: context account.date_of_first_delinquency
trace to source
Unresolved question Not assessable California CCRAA reporting-period provisions: cannot be assessed — missing account.date_of_first_delinquency.
Missing facts: account.date_of_first_delinquency. trigger 'account.date_of_first_delinquency' is conflicting; no date computed.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.date_of_first_delinquency
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: residence
Support: context account.date_of_first_delinquency supporting None
trace to source
Unresolved question Not assessable California debt collector / debt buyer licensing: cannot be assessed — missing account.furnisher_name, evidence.license_lookup.
Missing facts: account.furnisher_name, evidence.license_lookup.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.furnisher_name, evidence.license_lookup
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: residence
Support: context account.furnisher_name context None supporting None
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.accrual_date, account.claim_type
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: residence
Support: context account.claim_type context account.accrual_date supporting None
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.accrual_date, account.claim_type
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: residence
Support: context account.claim_type context account.accrual_date supporting None
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.accrual_date, account.claim_type
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: residence
Support: context account.claim_type context account.accrual_date supporting None
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Unresolved question Not assessable Rosenthal Fair Debt Collection Practices Act: collection conduct in California: cannot be assessed — missing account.collector_is_debt_collector_ca, account.is_consumer_debt, event.collector_conduct.
Missing facts: account.collector_is_debt_collector_ca, account.is_consumer_debt, event.collector_conduct.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.collector_is_debt_collector_ca, account.is_consumer_debt, event.collector_conduct
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: residence
Support: context account.collector_is_debt_collector_ca context None context None supporting None
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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.
Why this confidence
- contrary evidence: none recorded
- element coverage: elements_met
- legal verification: provisional
- outcome: elements_met
- rule version: 1
- source quality: bureau_report
Support: supporting account.balance=1250.00
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: event.cra_dispute_received, event.cra_notice_to_furnisher
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support: context None context None
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.direct_dispute_subject_in_scope, event.furnisher_dispute_received
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support: context None context account.direct_dispute_subject_in_scope
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.owner_asserts_identity_theft
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support:
trace to source
Unresolved question Not assessable Inquiries require a permissible purpose: cannot be assessed — missing account.is_inquiry.
Circumstance 'account.is_inquiry' is unknown.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.is_inquiry
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support:
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: event.cra_dispute_received
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: user_asserted
Support: context None supporting None
trace to source
Unresolved question Not assessable FCRA reporting period for adverse items (runs from the date of first delinquency): cannot be assessed — missing account.date_of_first_delinquency.
Missing facts: account.date_of_first_delinquency. trigger 'account.date_of_first_delinquency' is conflicting; no date computed.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.date_of_first_delinquency
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: calculated
Support: supporting None context account.date_of_first_delinquency
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.is_bankruptcy_item
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support:
trace to source
Unresolved question Not assessable Debt collector communications and conduct: cannot be assessed — missing account.collector_is_debt_collector, event.collector_conduct.
Missing facts: account.collector_is_debt_collector, event.collector_conduct.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.collector_is_debt_collector, event.collector_conduct
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support: context account.collector_is_debt_collector context None
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Unresolved question Not assessable Debt validation after a debt collector's initial communication: cannot be assessed — missing account.collector_is_debt_collector, account.is_consumer_debt, event.collector_initial_communication.
Missing facts: account.collector_is_debt_collector, account.is_consumer_debt, event.collector_initial_communication. trigger 'event.collector_initial_communication' is unknown; no date computed.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.collector_is_debt_collector, account.is_consumer_debt, event.collector_initial_communication
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support: context account.collector_is_debt_collector context None context None
trace to source

Synthetic Card Services

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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.accrual_date, account.claim_type
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: residence
Support: context account.claim_type context account.accrual_date supporting None
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.accrual_date, account.claim_type
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: residence
Support: context account.claim_type context account.accrual_date supporting None
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.accrual_date, account.claim_type
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: residence
Support: context account.claim_type context account.accrual_date supporting None
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: elements_met
- legal verification: provisional
- outcome: elements_met
- rule version: 1
- source quality: bureau_report
Support: supporting account.balance=420.00
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: event.cra_dispute_received, event.cra_notice_to_furnisher
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support: context None context None
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.direct_dispute_subject_in_scope, event.furnisher_dispute_received
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support: context None context account.direct_dispute_subject_in_scope
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.owner_asserts_identity_theft
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support:
trace to source
Unresolved question Not assessable Inquiries require a permissible purpose: cannot be assessed — missing account.is_inquiry.
Circumstance 'account.is_inquiry' is unknown.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.is_inquiry
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support:
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: event.cra_dispute_received
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: user_asserted
Support: context None supporting None
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.is_bankruptcy_item
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support:
trace to source

Synthetic Auto Finance

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.
Why this confidence
- contrary evidence: none recorded
- element coverage: elements_not_met
- legal verification: needs_research
- outcome: elements_not_met
- rule version: 1
- source quality: bureau_report, residence
Support: supporting account.date_of_first_delinquency=2022-05 supporting None
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.accrual_date, account.claim_type
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: residence
Support: context account.claim_type context account.accrual_date supporting None
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.accrual_date, account.claim_type
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: residence
Support: context account.claim_type context account.accrual_date supporting None
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.accrual_date, account.claim_type
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: residence
Support: context account.claim_type context account.accrual_date supporting None
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.was_repossessed
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support:
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: elements_met
- legal verification: provisional
- outcome: elements_met
- rule version: 1
- source quality: bureau_report
Support: supporting account.balance=6400.00
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: event.cra_dispute_received, event.cra_notice_to_furnisher
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support: context None context None
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.direct_dispute_subject_in_scope, event.furnisher_dispute_received
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support: context None context account.direct_dispute_subject_in_scope
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.owner_asserts_identity_theft
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support:
trace to source
Unresolved question Not assessable Inquiries require a permissible purpose: cannot be assessed — missing account.is_inquiry.
Circumstance 'account.is_inquiry' is unknown.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.is_inquiry
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support:
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: event.cra_dispute_received
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: user_asserted
Support: context None supporting None
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: elements_not_met
- legal verification: needs_research
- outcome: elements_not_met
- rule version: 1
- source quality: bureau_report, calculated
Support: supporting None supporting account.date_of_first_delinquency=2022-05
trace to source
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.is_bankruptcy_item
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support:
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.
Why this confidence
- contrary evidence: none recorded
- element coverage: insufficient_facts; missing: account.was_repossessed
- legal verification: needs_research
- outcome: insufficient_facts
- rule version: 1
- source quality: n/a
Support:
trace to source

Recommended steps and alternatives (strategy, not legal conclusions)

Recommended next step provisional Plausible Request an itemized accounting · Synthetic Auto Finance
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 · Synthetic Auto Finance
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) · Synthetic Auto Finance
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) · Synthetic Auto Finance
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 · Synthetic Auto Finance
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 · Synthetic Auto Finance
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 · Synthetic Auto Finance
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 · Synthetic Auto Finance
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 · Synthetic Auto Finance
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 · Synthetic Auto Finance
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)
Alternative provisional Plausible Dispute the item with the bureau(s) · Synthetic Bank
A written dispute to the consumer reporting agency identifying the specific inaccuracy and enclosing supporting documents.
Why, risks, and contact considerations
- 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.bankruptcy: missing account.is_bankruptcy_item
- accounting.transferred_with_balance.EQ: EQ: account marked sold/transferred still shows balance 4100.00.
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 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.bankruptcy (insufficient_facts) anomaly accounting.transferred_with_balance.EQ (potential_issue)
Recommended next step provisional Plausible Ask who owns the debt and for the chain of assignment · Synthetic Bank
A request identifying the current owner, the original creditor, and the dates of any assignment.
Why, risks, and contact considerations
- convention.accounting_consistency: missing account.balance
- accounting.transferred_with_balance.EQ: EQ: account marked sold/transferred still shows balance 4100.00.
Contact: yes (collector). Phrase as questions, not admissions.

Risk tags: acknowledgment risk

Sources: rule convention.accounting_consistency (insufficient_facts) anomaly accounting.transferred_with_balance.EQ (potential_issue)
Alternative blocked by missing facts Plausible Request an itemized accounting · Synthetic Bank
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: missing account.balance
- ucc9.disposition_notice: missing account.was_repossessed
- accounting.transferred_with_balance.EQ: EQ: account marked sold/transferred still shows balance 4100.00.
- prerequisite fact(s) unknown: account.balance
Blocked on: account.balance

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 (insufficient_facts) rule ucc9.disposition_notice (insufficient_facts) anomaly accounting.transferred_with_balance.EQ (potential_issue)
Alternative blocked by missing facts Not assessable Prepare a regulator complaint (not sent by this app) · Synthetic Bank
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 · Synthetic Bank
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
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)
Alternative blocked by missing facts Not assessable Consult legal aid or an attorney · Synthetic Bank
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 · Synthetic Bank
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 · Synthetic Bank
Establish the DOFD from your own records, then compare with the reporting-period rule once verified.
Why, risks, and contact considerations
- fcra.reporting_period.bankruptcy: missing account.is_bankruptcy_item
Blocked on: account.date_of_first_delinquency

Contact: no contact needed. No contact needed until the DOFD is established.

Sources: rule fcra.reporting_period.bankruptcy (insufficient_facts)
Alternative blocked by missing facts Not assessable Review post-repossession notices and deficiency accounting · Synthetic Bank
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 provisional Plausible Request an itemized accounting · Synthetic Collections LLC
A request for an itemization: principal, interest, fees, payments, credits, and charge-off amount.
Why, risks, and contact considerations
- convention.accounting_consistency: elements satisfied but the authority is provisional
- accounting.balance_exceeds_original.EQ: EQ: balance 1250.00 exceeds original amount 1000.00.
- accounting.balance_exceeds_original.EX: EX: balance 1250.00 exceeds original amount 1000.00.
- accounting.balance_exceeds_original.TU: TU: balance 1250.00 exceeds original amount 1000.00.
Contact: yes (current_owner). Ask for the itemization; do not characterize any amount as owed.

Risk tags: acknowledgment risk

Sources: rule convention.accounting_consistency (elements_met) anomaly accounting.balance_exceeds_original.EQ (potential_issue) anomaly accounting.balance_exceeds_original.EX (potential_issue) anomaly accounting.balance_exceeds_original.TU (potential_issue)
Recommended next step provisional Plausible Investigate the date of first delinquency / possible re-aging · Synthetic Collections LLC
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: missing account.date_of_first_delinquency
- conflict.dofd: Bureaus report different dates of first delinquency (EQ: 2019-08, EX: 2019-08-01, TU: 2020-02-01).
- hypothesis.reaging: Hypothesis: the conflicting DOFD could indicate re-aging by a furnisher.
Contact: no contact needed. No contact required for this step.

Sources: rule fcra.reporting_period.adverse_items (insufficient_facts) anomaly conflict.dofd (potential_issue) anomaly hypothesis.reaging (provisional_theory)
Alternative provisional Plausible Ask who owns the debt and for the chain of assignment · Synthetic Collections LLC
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
- fdcpa.validation: missing account.collector_is_debt_collector, account.is_consumer_debt, event.collector_initial_communication
- conflict.original_creditor: Bureaus report different original creditor (EQ: Synthetic Bank, EX: Synthetic Bank, TU: Synthetic Bank NA).
Contact: yes (collector). Phrase as questions, not admissions.

Risk tags: acknowledgment risk

Sources: rule convention.accounting_consistency (elements_met) rule fdcpa.validation (insufficient_facts) anomaly conflict.original_creditor (potential_issue)
Alternative blocked by missing facts Plausible Dispute the item with the bureau(s) · Synthetic Collections LLC
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: missing account.date_of_first_delinquency
- 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: missing account.date_of_first_delinquency
- fcra.reporting_period.bankruptcy: missing account.is_bankruptcy_item
- conflict.original_creditor: Bureaus report different original creditor (EQ: Synthetic Bank, EX: Synthetic Bank, TU: Synthetic Bank NA).
- conflict.dofd: Bureaus report different dates of first delinquency (EQ: 2019-08, EX: 2019-08-01, TU: 2020-02-01).
- prerequisite fact(s) unknown: account.furnisher_name
Blocked on: account.furnisher_name

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 (insufficient_facts) 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 (insufficient_facts) rule fcra.reporting_period.bankruptcy (insufficient_facts) anomaly conflict.original_creditor (potential_issue) anomaly conflict.dofd (potential_issue)
Alternative blocked by missing facts Not assessable Prepare a regulator complaint (not sent by this app) · Synthetic Collections LLC
A complaint to a regulator describing the facts and prior attempts; drafted for your review only.
Why, risks, and contact considerations
- ca.rosenthal.conduct: missing account.collector_is_debt_collector_ca, account.is_consumer_debt, event.collector_conduct
- fcra.reinvestigation.cra: missing event.cra_dispute_received
- fdcpa.conduct: missing account.collector_is_debt_collector, event.collector_conduct
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 ca.rosenthal.conduct (insufficient_facts) rule fcra.reinvestigation.cra (insufficient_facts) rule fdcpa.conduct (insufficient_facts)
Alternative blocked by missing facts Not assessable Dispute directly with the furnisher · Synthetic Collections LLC
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: missing account.date_of_first_delinquency
Blocked on: account.furnisher_name

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 (insufficient_facts)
Alternative blocked by missing facts Not assessable Consult legal aid or an attorney · Synthetic Collections LLC
Where a rule is unverified or the facts suggest a potential claim, a consultation can confirm the analysis.
Why, risks, and contact considerations
- ca.licensing.debt_collector: missing account.furnisher_name, evidence.license_lookup
- 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.rosenthal.conduct: missing account.collector_is_debt_collector_ca, account.is_consumer_debt, event.collector_conduct
- 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
- fdcpa.conduct: missing account.collector_is_debt_collector, event.collector_conduct
- fdcpa.validation: missing account.collector_is_debt_collector, account.is_consumer_debt, event.collector_initial_communication
Contact: no contact needed. No counterparty contact.

Sources: rule ca.licensing.debt_collector (insufficient_facts) 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.rosenthal.conduct (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 fdcpa.conduct (insufficient_facts) rule fdcpa.validation (insufficient_facts)
Alternative blocked by missing facts Not assessable Check the collector's state license status · Synthetic Collections LLC
Look up the collector/debt buyer in the state licensing database and record the result as evidence.
Why, risks, and contact considerations
- ca.licensing.debt_collector: missing account.furnisher_name, evidence.license_lookup
- fdcpa.validation: missing account.collector_is_debt_collector, account.is_consumer_debt, event.collector_initial_communication
Blocked on: account.furnisher_name

Contact: no contact needed. No contact; public lookup done by you.

Sources: rule ca.licensing.debt_collector (insufficient_facts) rule fdcpa.validation (insufficient_facts)
Alternative blocked by missing facts Not assessable Review the limitation period before any payment or acknowledgment · Synthetic Collections LLC
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 · Synthetic Collections LLC
Establish the DOFD from your own records, then compare with the reporting-period rule once verified.
Why, risks, and contact considerations
- bureau_policy.early_exclusion: missing account.date_of_first_delinquency
- ca.ccraa.reporting_period: missing account.date_of_first_delinquency
- fcra.reporting_period.adverse_items: missing account.date_of_first_delinquency
- fcra.reporting_period.bankruptcy: missing account.is_bankruptcy_item
Blocked on: account.date_of_first_delinquency

Contact: no contact needed. No contact needed until the DOFD is established.

Sources: rule bureau_policy.early_exclusion (insufficient_facts) rule ca.ccraa.reporting_period (insufficient_facts) rule fcra.reporting_period.adverse_items (insufficient_facts) rule fcra.reporting_period.bankruptcy (insufficient_facts)
Alternative blocked by missing facts Not assessable Request validation information from the collector · Synthetic Collections LLC
A written request for validation information from the party collecting the debt.
Why, risks, and contact considerations
- fdcpa.validation: missing account.collector_is_debt_collector, account.is_consumer_debt, event.collector_initial_communication
Contact: yes (collector). Validation is not the same as producing an original contract; do not demand what the rule does not require. Avoid language that acknowledges the debt as yours and owed.

Risk tags: timing sensitive acknowledgment risk

Sources: rule fdcpa.validation (insufficient_facts)
Recommended next step provisional Plausible Request an itemized accounting · Synthetic Card Services
A request for an itemization: principal, interest, fees, payments, credits, and charge-off amount.
Why, risks, and contact considerations
- convention.accounting_consistency: elements satisfied but the authority is provisional
Contact: yes (current_owner). Ask for the itemization; do not characterize any amount as owed.

Risk tags: acknowledgment risk

Sources: rule convention.accounting_consistency (elements_met)
Alternative provisional Plausible Ask who owns the debt and for the chain of assignment · Synthetic Card Services
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) · Synthetic Card Services
A written dispute to the consumer reporting agency identifying the specific inaccuracy and enclosing supporting documents.
Why, risks, and contact considerations
- 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.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 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.bankruptcy (insufficient_facts)
Alternative blocked by missing facts Not assessable Prepare a regulator complaint (not sent by this app) · Synthetic Card Services
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 · Synthetic Card Services
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
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)
Alternative blocked by missing facts Not assessable Consult legal aid or an attorney · Synthetic Card Services
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
- 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
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 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)
Alternative blocked by missing facts Not assessable Review the limitation period before any payment or acknowledgment · Synthetic Card Services
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 · Synthetic Card Services
Establish the DOFD from your own records, then compare with the reporting-period rule once verified.
Why, risks, and contact considerations
- fcra.reporting_period.bankruptcy: missing account.is_bankruptcy_item
Blocked on: account.date_of_first_delinquency

Contact: no contact needed. No contact needed until the DOFD is established.

Sources: rule fcra.reporting_period.bankruptcy (insufficient_facts)

Rule evaluations (every active rule, per account)

Synthetic Bank

Rule	Outcome	Authority	Confidence	Detail
bureau_policy.early_exclusion v1	inapplicable	needs research	Weak	Applies to ['collection', 'charge_off', 'late']; this account is ['installment', 'transferred']. Elements Confidence components: contrary evidence: none recorded; element coverage: inapplicable; legal verification: needs_research; source quality: n/a;
ca.ccraa.reporting_period v1	inapplicable	needs research	Weak	Applies to ['collection', 'charge_off', 'late', 'repossession', 'foreclosure']; this account is ['installment', 'transferred']. Elements Confidence components: contrary evidence: none recorded; element coverage: inapplicable; legal verification: needs_research; source quality: n/a;
ca.licensing.debt_collector v1	inapplicable	needs research	Weak	Applies to ['collection']; this account is ['installment', 'transferred']. 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', 'transferred']. Elements Confidence components: contrary evidence: none recorded; element coverage: inapplicable; legal verification: needs_research; source quality: n/a;
convention.accounting_consistency v1	insufficient facts	provisional	Not assessable	Missing facts: account.balance. Missing: account.balance Elements unknown balance_known ← account.balance (conflicting, bureau report) Confidence components: contrary evidence: none recorded; element coverage: insufficient_facts; missing: account.balance; legal verification: provisional; source quality: n/a;
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	inapplicable	needs research	Weak	Applies to ['collection', 'charge_off', 'late', 'repossession', 'foreclosure']; this account is ['installment', 'transferred']. Elements Confidence components: contrary evidence: none recorded; element coverage: inapplicable; legal verification: needs_research; source quality: n/a;
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', 'transferred']. 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', 'transferred']. 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;

Synthetic Collections LLC

Rule	Outcome	Authority	Confidence	Detail
bureau_policy.early_exclusion v1	insufficient facts	needs research	Not assessable	Missing facts: account.date_of_first_delinquency. Missing: account.date_of_first_delinquency Elements unknown dofd_known ← account.date_of_first_delinquency (conflicting, bureau report) Confidence components: contrary evidence: none recorded; element coverage: insufficient_facts; missing: account.date_of_first_delinquency; legal verification: needs_research; source quality: n/a;
ca.ccraa.reporting_period v1	insufficient facts	needs research	Not assessable	Missing facts: account.date_of_first_delinquency. Missing: account.date_of_first_delinquency Elements unknown dofd_known ← account.date_of_first_delinquency (conflicting, bureau report) satisfied governing_law_ca ← jurisdiction.determined = yes (known, residence) Confidence components: contrary evidence: none recorded; element coverage: insufficient_facts; missing: account.date_of_first_delinquency; legal verification: needs_research; source quality: residence;
ca.licensing.debt_collector v1	insufficient facts	needs research	Not assessable	Missing facts: account.furnisher_name, evidence.license_lookup. Missing: account.furnisher_name, evidence.license_lookup Elements unknown collector_identified ← account.furnisher_name (conflicting, bureau report) unknown license_status_checked ← evidence.license_lookup (unknown, evidence) — fact 'evidence.license_lookup' is unknown satisfied governing_law_ca ← jurisdiction.determined = yes (known, residence) Confidence components: contrary evidence: none recorded; element coverage: insufficient_facts; missing: account.furnisher_name, evidence.license_lookup; legal verification: needs_research; source quality: residence;
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	inapplicable	needs research	Weak	Applies to ['repossession', 'installment', 'lease']; this account is ['collection']. Elements Confidence components: contrary evidence: none recorded; element coverage: inapplicable; legal verification: needs_research; source quality: n/a;
ca.rosenthal.conduct v1	insufficient facts	needs research	Not assessable	Missing facts: account.collector_is_debt_collector_ca, account.is_consumer_debt, event.collector_conduct. Missing: account.collector_is_debt_collector_ca, account.is_consumer_debt, event.collector_conduct Elements unknown debt_collector_under_state_definition ← account.collector_is_debt_collector_ca (unknown, calculated) — fact 'account.collector_is_debt_collector_ca' is unknown unknown consumer_debt ← account.is_consumer_debt (unknown, calculated) — fact 'account.is_consumer_debt' is unknown unknown conduct_event_recorded ← event.collector_conduct (unknown, user asserted) satisfied governing_law_ca ← jurisdiction.determined = yes (known, residence) Confidence components: contrary evidence: none recorded; element coverage: insufficient_facts; missing: account.collector_is_debt_collector_ca, account.is_consumer_debt, event.collector_conduct; legal verification: needs_research; source quality: residence;
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 = 1250.00 (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	insufficient facts	needs research	Not assessable	Missing facts: account.date_of_first_delinquency. Missing: account.date_of_first_delinquency Elements satisfied item_is_adverse ← account.is_derogatory = yes (known, calculated) unknown dofd_known ← account.date_of_first_delinquency (conflicting, bureau report) Confidence components: contrary evidence: none recorded; element coverage: insufficient_facts; missing: account.date_of_first_delinquency; legal verification: needs_research; source quality: 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	insufficient facts	needs research	Not assessable	Missing facts: account.collector_is_debt_collector, event.collector_conduct. Missing: account.collector_is_debt_collector, event.collector_conduct Elements unknown collector_is_debt_collector ← account.collector_is_debt_collector (unknown, calculated) — fact 'account.collector_is_debt_collector' is unknown unknown conduct_event_recorded ← event.collector_conduct (unknown, user asserted) Confidence components: contrary evidence: none recorded; element coverage: insufficient_facts; missing: account.collector_is_debt_collector, event.collector_conduct; legal verification: needs_research; source quality: n/a;
fdcpa.validation v1	insufficient facts	needs research	Not assessable	Missing facts: account.collector_is_debt_collector, account.is_consumer_debt, event.collector_initial_communication. Missing: account.collector_is_debt_collector, account.is_consumer_debt, event.collector_initial_communication Elements unknown collector_is_debt_collector ← account.collector_is_debt_collector (unknown, calculated) — fact 'account.collector_is_debt_collector' is unknown unknown initial_communication_date ← event.collector_initial_communication (unknown, user asserted) unknown consumer_debt ← account.is_consumer_debt (unknown, calculated) — fact 'account.is_consumer_debt' is unknown Confidence components: contrary evidence: none recorded; element coverage: insufficient_facts; missing: account.collector_is_debt_collector, account.is_consumer_debt, event.collector_initial_communication; legal verification: needs_research; source quality: n/a;
ucc9.disposition_notice v1	inapplicable	needs research	Weak	Applies to ['repossession', 'installment', 'lease']; this account is ['collection']. Elements Confidence components: contrary evidence: none recorded; element coverage: inapplicable; legal verification: needs_research; source quality: n/a;

Synthetic Card Services

Rule	Outcome	Authority	Confidence	Detail
bureau_policy.early_exclusion v1	inapplicable	needs research	Weak	Applies to ['collection', 'charge_off', 'late']; this account is ['current', 'revolving']. Elements Confidence components: contrary evidence: none recorded; element coverage: inapplicable; legal verification: needs_research; source quality: n/a;
ca.ccraa.reporting_period v1	inapplicable	needs research	Weak	Applies to ['collection', 'charge_off', 'late', 'repossession', 'foreclosure']; this account is ['current', 'revolving']. Elements Confidence components: contrary evidence: none recorded; element coverage: inapplicable; legal verification: needs_research; source quality: n/a;
ca.licensing.debt_collector v1	inapplicable	needs research	Weak	Applies to ['collection']; this account is ['current', 'revolving']. 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	inapplicable	needs research	Weak	Applies to ['repossession', 'installment', 'lease']; this account is ['current', 'revolving']. Elements Confidence components: contrary evidence: none recorded; element coverage: inapplicable; legal verification: needs_research; source quality: n/a;
ca.rosenthal.conduct v1	inapplicable	needs research	Weak	Applies to ['collection', 'charge_off']; this account is ['current', 'revolving']. 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 = 420.00 (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	inapplicable	needs research	Weak	Applies to ['collection', 'charge_off', 'late', 'repossession', 'foreclosure']; this account is ['current', 'revolving']. Elements Confidence components: contrary evidence: none recorded; element coverage: inapplicable; legal verification: needs_research; source quality: n/a;
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 ['current', 'revolving']. 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 ['current', 'revolving']. Elements Confidence components: contrary evidence: none recorded; element coverage: inapplicable; legal verification: needs_research; source quality: n/a;
ucc9.disposition_notice v1	inapplicable	needs research	Weak	Applies to ['repossession', 'installment', 'lease']; this account is ['current', 'revolving']. Elements Confidence components: contrary evidence: none recorded; element coverage: inapplicable; legal verification: needs_research; source quality: n/a;

Synthetic Auto Finance

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;