California CCRAA reporting-period provisions
needs research· statutory · US-CA · ca.ccraa.reporting_period v1 · file sha256 fc2a217614dc…
This rule is not verified. Its text, elements and any period parameters are research placeholders written for human review. Findings based on it are capped at Plausible/Weak and documents cannot cite it as verified authority.
Rationale
Seed rule; placeholder parameters.
Authorities
- Cal. Civ. Code § 1785.13 primary statute — California Consumer Credit Reporting Agencies Act: contents of reports and reporting periods · source
- 15 U.S.C. § 1681c(a) supporting statute — FCRA reporting periods for adverse items (consumer report contents) · source
Links open public legal sources in your browser; this application itself never fetches them.
Primary-source snapshots
None on file. Import one with cda rules import-source.
Verification record
No human verification record.
Applies to
Account types: collection, charge_off, late, repossession, foreclosure · Circumstances: account.is_derogatory
Required elements
| Element | Fact tested | Test | Quote anchor |
|---|---|---|---|
| DOFD known | account.date_of_first_delinquency | known | no anchor yet |
| California law applies | jurisdiction.determined | known | no anchor yet |
Calculation
method reporting_period_from_dofd · params {'trigger_fact': 'account.date_of_first_delinquency', 'years': 7, 'extra_days': 0} · parameters are part of the rule and inherit its verification status.
Contrary considerations
- State and federal periods may differ in trigger and length; the state trigger is NOT assumed to be the DOFD (the seed uses it only as a placeholder); preemption questions must be researched before relying on the state provision.
Potential outcomes (not predictions)
state_reporting_period_question
Routes this rule can suggest
- Review whether the item is beyond its reporting period — Establish the DOFD from your own records, then compare with the reporting-period rule once verified.
- Dispute the item with the bureau(s) — A written dispute to the consumer reporting agency identifying the specific inaccuracy and enclosing supporting documents.