FCRA reporting period for bankruptcy cases
needs research· statutory · US · fcra.reporting_period.bankruptcy v1 · file sha256 2570fbb1c4ac…
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 with placeholder period; verify from the primary source before use.
Authorities
- 15 U.S.C. § 1681c(a) primary statute — FCRA reporting periods for adverse items (consumer report contents) · source
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Primary-source snapshots
None on file. Import one with cda rules import-source.
Verification record
No human verification record.
Applies to
Account types: any · Circumstances: account.is_bankruptcy_item
Required elements
| Element | Fact tested | Test | Quote anchor |
|---|---|---|---|
| The item is a bankruptcy case or an account reported as included in bankruptcy | account.is_bankruptcy_item | true | no anchor yet |
| The date of entry of the order for relief or adjudication is known | account.bankruptcy_entry_date | known | no anchor yet |
Calculation
method period_from_trigger · params {'trigger_fact': 'account.bankruptcy_entry_date', 'years': 10, 'days': 0} · parameters are part of the rule and inherit its verification status.
Contrary considerations
- Accounts included in a bankruptcy may follow the adverse-item period rather than the case period; research and verify.
- Bureau practice for chapter 13 cases may differ from statute; policy is not law.
Potential outcomes (not predictions)
potential_obsolete_reporting
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.