Evidence gaps
Synthetic Auto Finance · account.accrual_date open
Missing: Fact 'account.accrual_date' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of ca.limitations.oral_or_other; without it the rule is not assessable.
Synthetic Auto Finance · account.claim_type open
Missing: Fact 'account.claim_type' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of ca.limitations.oral_or_other; without it the rule is not assessable.
Synthetic Auto Finance · account.direct_dispute_subject_in_scope open
Missing: Fact 'account.direct_dispute_subject_in_scope' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of fcra.furnisher.direct_dispute; without it the rule is not assessable.
Synthetic Auto Finance · account.is_bankruptcy_item open
Missing: Fact 'account.is_bankruptcy_item' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of fcra.reporting_period.bankruptcy; without it the rule is not assessable.
Synthetic Auto Finance · account.is_inquiry open
Missing: Fact 'account.is_inquiry' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of fcra.permissible_purpose; without it the rule is not assessable.
Synthetic Auto Finance · account.owner_asserts_identity_theft open
Missing: Fact 'account.owner_asserts_identity_theft' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of fcra.identity_theft_block; without it the rule is not assessable.
Synthetic Auto Finance · account.was_repossessed open
Missing: Fact 'account.was_repossessed' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of ca.repossession.rees_levering_notice; without it the rule is not assessable.
Synthetic Auto Finance · bureau_coverage open
Missing: No record from EQ, TU is linked to this account.
How to obtain: Import that bureau's report, or confirm the account does not appear there.
What it would change: Completes the cross-bureau comparison; an absent tradeline can itself be informative.
Synthetic Auto Finance · charge_off_amount open
Missing: For a repossession account, the deficiency amount is not reported.
How to obtain: Request the post-repossession notices (notice of intent to sell, explanation of deficiency) from the lender/assignee.
What it would change: Needed to review notice compliance and deficiency accounting.
Synthetic Auto Finance · date_closed open
Missing: For a repossession account, the repossession/surrender date is not reported.
How to obtain: Request the post-repossession notices (notice of intent to sell, explanation of deficiency) from the lender/assignee.
What it would change: Needed to review notice compliance and deficiency accounting.
Synthetic Auto Finance · event.cra_dispute_received open
Missing: No dated event recorded for 'event.cra_dispute_received'.
How to obtain: Record the date on the account page under 'Record a fact', attaching the letter or delivery confirmation.
What it would change: Starts the clock evaluated by fcra.furnisher.after_cra_notice.
Synthetic Auto Finance · event.cra_notice_to_furnisher open
Missing: No dated event recorded for 'event.cra_notice_to_furnisher'.
How to obtain: Record the date on the account page under 'Record a fact', attaching the letter or delivery confirmation.
What it would change: Starts the clock evaluated by fcra.furnisher.after_cra_notice.
Synthetic Auto Finance · event.furnisher_dispute_received open
Missing: No dated event recorded for 'event.furnisher_dispute_received'.
How to obtain: Record the date on the account page under 'Record a fact', attaching the letter or delivery confirmation.
What it would change: Starts the clock evaluated by fcra.furnisher.direct_dispute.
Synthetic Bank · account.accrual_date open
Missing: Fact 'account.accrual_date' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of ca.limitations.oral_or_other; without it the rule is not assessable.
Synthetic Bank · account.balance open
Missing: Fact 'account.balance' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of convention.accounting_consistency; without it the rule is not assessable.
Synthetic Bank · account.claim_type open
Missing: Fact 'account.claim_type' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of ca.limitations.oral_or_other; without it the rule is not assessable.
Synthetic Bank · account.direct_dispute_subject_in_scope open
Missing: Fact 'account.direct_dispute_subject_in_scope' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of fcra.furnisher.direct_dispute; without it the rule is not assessable.
Synthetic Bank · account.is_bankruptcy_item open
Missing: Fact 'account.is_bankruptcy_item' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of fcra.reporting_period.bankruptcy; without it the rule is not assessable.
Synthetic Bank · account.is_inquiry open
Missing: Fact 'account.is_inquiry' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of fcra.permissible_purpose; without it the rule is not assessable.
Synthetic Bank · account.owner_asserts_identity_theft open
Missing: Fact 'account.owner_asserts_identity_theft' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of fcra.identity_theft_block; without it the rule is not assessable.
Synthetic Bank · account.was_repossessed open
Missing: Fact 'account.was_repossessed' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of ca.repossession.rees_levering_notice; without it the rule is not assessable.
Synthetic Bank · bureau_coverage open
Missing: No record from EX is linked to this account.
How to obtain: Import that bureau's report, or confirm the account does not appear there.
What it would change: Completes the cross-bureau comparison; an absent tradeline can itself be informative.
Synthetic Bank · event.cra_dispute_received open
Missing: No dated event recorded for 'event.cra_dispute_received'.
How to obtain: Record the date on the account page under 'Record a fact', attaching the letter or delivery confirmation.
What it would change: Starts the clock evaluated by fcra.furnisher.after_cra_notice.
Synthetic Bank · event.cra_notice_to_furnisher open
Missing: No dated event recorded for 'event.cra_notice_to_furnisher'.
How to obtain: Record the date on the account page under 'Record a fact', attaching the letter or delivery confirmation.
What it would change: Starts the clock evaluated by fcra.furnisher.after_cra_notice.
Synthetic Bank · event.furnisher_dispute_received open
Missing: No dated event recorded for 'event.furnisher_dispute_received'.
How to obtain: Record the date on the account page under 'Record a fact', attaching the letter or delivery confirmation.
What it would change: Starts the clock evaluated by fcra.furnisher.direct_dispute.
Synthetic Collections LLC · account.accrual_date open
Missing: Fact 'account.accrual_date' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of ca.limitations.oral_or_other; without it the rule is not assessable.
Synthetic Collections LLC · account.claim_type open
Missing: Fact 'account.claim_type' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of ca.limitations.oral_or_other; without it the rule is not assessable.
Synthetic Collections LLC · account.collector_is_debt_collector_ca open
Missing: Fact 'account.collector_is_debt_collector_ca' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of ca.rosenthal.conduct; without it the rule is not assessable.
Synthetic Collections LLC · account.collector_is_debt_collector open
Missing: Fact 'account.collector_is_debt_collector' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of fdcpa.conduct; without it the rule is not assessable.
Synthetic Collections LLC · account.date_of_first_delinquency open
Missing: Fact 'account.date_of_first_delinquency' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of bureau_policy.early_exclusion; without it the rule is not assessable.
Synthetic Collections LLC · account.direct_dispute_subject_in_scope open
Missing: Fact 'account.direct_dispute_subject_in_scope' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of fcra.furnisher.direct_dispute; without it the rule is not assessable.
Synthetic Collections LLC · account.furnisher_name open
Missing: Fact 'account.furnisher_name' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of ca.licensing.debt_collector; without it the rule is not assessable.
Synthetic Collections LLC · account.is_bankruptcy_item open
Missing: Fact 'account.is_bankruptcy_item' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of fcra.reporting_period.bankruptcy; without it the rule is not assessable.
Synthetic Collections LLC · account.is_consumer_debt open
Missing: Fact 'account.is_consumer_debt' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of ca.rosenthal.conduct; without it the rule is not assessable.
Synthetic Collections LLC · account.is_inquiry open
Missing: Fact 'account.is_inquiry' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of fcra.permissible_purpose; without it the rule is not assessable.
Synthetic Collections LLC · account.owner_asserts_identity_theft open
Missing: Fact 'account.owner_asserts_identity_theft' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of fcra.identity_theft_block; without it the rule is not assessable.
Synthetic Collections LLC · date_of_first_delinquency open
Missing: Bureaus disagree on the date of first delinquency.
How to obtain: Obtain the furnisher's own record (statements, payment history) showing the first missed payment.
What it would change: Resolves which date governs the reporting period and whether re-aging occurred.
Synthetic Collections LLC · event.collector_conduct open
Missing: No dated event recorded for 'event.collector_conduct'.
How to obtain: Record the date on the account page under 'Record a fact', attaching the letter or delivery confirmation.
What it would change: Starts the clock evaluated by ca.rosenthal.conduct.
Synthetic Collections LLC · event.collector_initial_communication open
Missing: No dated event recorded for 'event.collector_initial_communication'.
How to obtain: Record the date on the account page under 'Record a fact', attaching the letter or delivery confirmation.
What it would change: Starts the clock evaluated by fdcpa.validation.
Synthetic Collections LLC · event.cra_dispute_received open
Missing: No dated event recorded for 'event.cra_dispute_received'.
How to obtain: Record the date on the account page under 'Record a fact', attaching the letter or delivery confirmation.
What it would change: Starts the clock evaluated by fcra.furnisher.after_cra_notice.
Synthetic Collections LLC · event.cra_notice_to_furnisher open
Missing: No dated event recorded for 'event.cra_notice_to_furnisher'.
How to obtain: Record the date on the account page under 'Record a fact', attaching the letter or delivery confirmation.
What it would change: Starts the clock evaluated by fcra.furnisher.after_cra_notice.
Synthetic Collections LLC · event.furnisher_dispute_received open
Missing: No dated event recorded for 'event.furnisher_dispute_received'.
How to obtain: Record the date on the account page under 'Record a fact', attaching the letter or delivery confirmation.
What it would change: Starts the clock evaluated by fcra.furnisher.direct_dispute.
Synthetic Collections LLC · evidence.license_lookup open
Missing: No evidence of kind 'license_lookup' is linked to this account.
How to obtain: Upload the document under Evidence and link it to this account.
What it would change: Required element of ca.licensing.debt_collector.
Synthetic Card Services · account.accrual_date open
Missing: Fact 'account.accrual_date' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of ca.limitations.oral_or_other; without it the rule is not assessable.
Synthetic Card Services · account.claim_type open
Missing: Fact 'account.claim_type' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of ca.limitations.oral_or_other; without it the rule is not assessable.
Synthetic Card Services · account.direct_dispute_subject_in_scope open
Missing: Fact 'account.direct_dispute_subject_in_scope' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of fcra.furnisher.direct_dispute; without it the rule is not assessable.
Synthetic Card Services · account.is_bankruptcy_item open
Missing: Fact 'account.is_bankruptcy_item' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of fcra.reporting_period.bankruptcy; without it the rule is not assessable.
Synthetic Card Services · account.is_inquiry open
Missing: Fact 'account.is_inquiry' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of fcra.permissible_purpose; without it the rule is not assessable.
Synthetic Card Services · account.owner_asserts_identity_theft open
Missing: Fact 'account.owner_asserts_identity_theft' is unknown or conflicting.
How to obtain: Confirm it from your own documents (statements, contract) and record it with the reason.
What it would change: Element of fcra.identity_theft_block; without it the rule is not assessable.
Synthetic Card Services · event.cra_dispute_received open
Missing: No dated event recorded for 'event.cra_dispute_received'.
How to obtain: Record the date on the account page under 'Record a fact', attaching the letter or delivery confirmation.
What it would change: Starts the clock evaluated by fcra.furnisher.after_cra_notice.
Synthetic Card Services · event.cra_notice_to_furnisher open
Missing: No dated event recorded for 'event.cra_notice_to_furnisher'.
How to obtain: Record the date on the account page under 'Record a fact', attaching the letter or delivery confirmation.
What it would change: Starts the clock evaluated by fcra.furnisher.after_cra_notice.
Synthetic Card Services · event.furnisher_dispute_received open
Missing: No dated event recorded for 'event.furnisher_dispute_received'.
How to obtain: Record the date on the account page under 'Record a fact', attaching the letter or delivery confirmation.
What it would change: Starts the clock evaluated by fcra.furnisher.direct_dispute.