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SettleADebt C_BR PASS-06 — Brazil

Distinct narrow component: ordinary negative consumer credit-register entries, prior notice, duration, payment/settlement updates, access and error correction under CDC art. 43 and necessary official STJ interpretation.

Baseline: October 22, 2026, America/Los_Angeles. Fresh source access: October 26, 2026 PDT / October 27, 2026 UTC. Individual source-search and opening clock times were not logged and remain unknown. No session window is inferred. Status: Narrow federal research report and publication hold. It is not a credit-report audit, individualized legal opinion, provider clearance, complaint, filing, complete LGPD analysis, or country acceptance.

PASS-04 and PASS-05 are saved but unreviewed. None of their substantive conclusions, examples or calculations is adopted as a premise here. The prescription/reporting boundary was independently read only to the extent required by CDC art. 43 §§1 and 5.

Executive determination

For an ordinary negative consumer credit-register entry, the presently supported federal structure is:

1. The register maintainer gives prior notice. CDC art. 43 §2 requires written communication when the consumer did not request the opening of the register or data. STJ Súmula 359 assigns that pre-entry notice duty to the entity maintaining the credit-protection register, not ordinarily to the creditor that supplies the debt information. The law and the reviewed STJ authorities require notice before entry, but they do not establish a universal three-, ten-, thirty- or other fixed waiting period. Planalto+1
2. Postal and electronic notice follow different proof rules. For postal notice, STJ Súmula 404 and Tema 59 dispense with return receipt and treat proof of mailing to the address supplied by the creditor as sufficient under the general rule. For electronic notice, the current controlling qualified precedent is Tema 1.315, decided March 5, 2026, published March 12, 2026 and shown as final: the maintainer must prove both sending and delivery to the recipient. Proof that the consumer actually opened or read the message is not required. STJ+2
3. Tema 1.315 resolves the prior conflict. A 2023 Third Panel position had rejected email-only notice. The 2026 repetitive holding now accepts electronic notice subject to proof of sending and delivery. Inactive numbers, nonexistent addresses, full inboxes, bounces or comparable delivery failures do not meet the current electronic-delivery condition. STJ+2
4. The five-year maximum runs from the day after debt maturity—not from a later entry, assignment or collector change. The STJ’s 2024 official jurisprudence digest states that entry and maintenance are limited to five years counted from the first day after the debt’s due date, and that the maturity date must appear in the maintainer’s database. A late registration therefore does not generate a new five-year period for the same debt. An assignment or new collector likewise cannot, merely by changing actors, restart that original maturity-based period. STJ
5. There are two reporting-duration limits. CDC art. 43 §1 imposes the five-year maximum. Section 5 separately prevents supplying information that impedes new credit once prescription of the consumer-debt collection claim has occurred. STJ Informativo 633 treats maintainers as responsible for controlling both limits. Súmula 323 clarifies that expiration of a particular execution route is not automatically the same as prescription of the collection claim referenced in §5. This report does not determine any real debt’s prescription. Planalto+2
6. Full and effective payment starts a separate five-business-day duty. Under STJ Súmula 548 and Tema 735, the creditor must cause exclusion of the paid debt’s negative entry within five business days, counted from the first business day after the funds required for complete payment become available to the creditor. Payment by cheque, boleto, transfer or another confirmation-dependent method is effective for this purpose only when the funds actually enter the creditor’s sphere of availability. STJ+2
7. Partial payment or a first settlement instalment does not produce one universal federal deletion result. Súmula 548 is expressly based on integral e efetivo pagamento. A partial payment can require an amount or status correction if the stored data would otherwise become false, but it does not automatically satisfy the full-payment deletion predicate. Whether an instalment agreement extinguishes, replaces, suspends or merely reschedules the original default depends on the actual agreement and performance. No real settlement contract exists here. Planalto+1
8. Access, correction and communication to prior recipients are separate duties. The consumer has access to stored information and its sources. Data must be objective, clear, true and understandable. Inaccuracy may be challenged for immediate correction; after alteration, the archivist has five business days to notify the eventual recipients of the incorrect information. The five days in §3 concern communication of the alteration to those recipients—not permission to delay the correction itself for five days. Planalto
9. An erroneous entry remains cancellable even where another lawful entry exists. Súmula 385 may restrict the moral-damages consequence of an irregular entry when a prior legitimate entry exists, but expressly preserves the right to cancellation. It does not validate inaccurate data or authorize retention beyond the applicable period. STJ
10. Removal from a negative register is not debt forgiveness, a score promise or proof that every collection right has ended. CDC art. 43 regulates stored and supplied credit information. This pass makes no conclusion about the underlying debt’s validity, settlement balance, court judgment, collection remedy, tax consequence or credit score. Planalto+1

G1. Actor, data and nexus

G1.1 Covered data and excluded systems

The covered branch is an ordinary negative credit-protection entry recording alleged consumer delinquency. CDC art. 43 applies to consumer databases, files, registers and stored personal and consumer data, gives the consumer access to their information and sources, requires accurate and comprehensible data, and regulates negative-information duration. Planalto

It does not follow that every credit-related information system is an ordinary negative register:

G1.2 Actors and their distinct duties

G1.3 Consumer and business classifications

CDC art. 2 includes a natural or legal person using a product or service as final recipient. Article 3 includes public or private, domestic or foreign suppliers and remunerated banking, financial, credit and insurance services. Those definitions establish a federal consumer gateway; they do not settle every business, guaranty or foreign-data situation. Planalto

The STJ’s official 2024 discussion states that a legal entity can be a consumer when it is the final recipient and may, under the mitigated-finalism approach, receive CDC protection in an enterprise-use transaction where concrete technical or factual vulnerability is proved. A business label therefore neither automatically grants nor automatically defeats CDC coverage. STJ+1

No named register, consumer, creditor, guarantor, company, property or credit report was searched.

G2. Entry, prior notice and duration

G2.1 Who gives notice?

CDC art. 43 §2 requires written communication when the consumer did not request the opening of the register, file or data. Súmula 359 allocates the prior-notice task to the register maintainer. Its cited precedents distinguish the creditor, which supplies information about the alleged debt, from the maintainer, which must notify before registering the debtor. Planalto+1

That allocation does not immunize a creditor that supplies false, misidentified or unauthorized information. It only answers the ordinary §2 notice actor. Accuracy, assignment, debt existence and other liability questions remain distinct.

G2.2 How early must the notice be?

The notice must precede the entry. Neither CDC art. 43 §2, Súmula 359, Súmula 404 nor Tema 1.315 states a universal minimum number of days between notice and registration.

Accordingly:

• no Brazilian federal 30-day validation period was established;
• no three-, five-, ten- or fifteen-day pre-entry period is invented;
• an operator’s voluntary policy cannot be represented as the statutory period; and
• notice delivered only after the negative entry does not satisfy the ordinary “before entry” sequence.

The stated purpose, reflected in STJ’s 2026 explanation, is to give the consumer an opportunity to pay or oppose an unlawful entry. That purpose does not itself create a numeric waiting period. STJ+1

G2.3 Postal notice

Under Súmula 404 and the Tema 59 precedent reproduced on its official page:

• return receipt is not required;
• proof of dispatch to the address furnished by the creditor ordinarily suffices;
• the maintainer is not generally required to investigate whether the consumer still lives there; and
• proof that the consumer personally read the letter is not the general rule. STJ

That general rule has an important factual limit. STJ Informativo 597 says civil responsibility may arise where the consumer had directly told the maintainer to use a particular address for future notices and the maintainer nevertheless sent the notice elsewhere. STJ

Thus, “wrong address” cannot be decided from an envelope alone. The evidence must show:

1. what address the creditor supplied;
2. whether the consumer had separately updated the maintainer;
3. when that update was received;
4. where the notice was sent;
5. whether the attempted entry was the same debt and consumer; and
6. whether another notice route independently satisfied the requirement.

G2.4 Electronic notice and the 2026 current rule

Tema 1.315 is shown on the official STJ page as final. Its thesis states that electronic communication satisfies CDC art. 43 §2 if both sending and delivery to the recipient are proved. STJ

The official reasoning further explains:

• the email address or telephone number should be one previously supplied by the consumer in connection with contracting or acquisition;
• an inactive phone, nonexistent email, inaccessible address, full inbox or delivery error does not prove delivery;
• delivery—not actual reading—is the necessary endpoint;
• email, text messages and messaging applications may be capable channels when the proof requirements are met. STJ+1

Currentness correction

The 2023 Third Panel publication that rejected email-only notice represented an earlier position. The March 2026 repetitive decision expressly describes the jurisprudential evolution and now supplies the qualified current rule. The earlier page remains historically useful but should not be published as the governing categorical answer. STJ+1

No universal technical proof format—such as one required screenshot, hash, delivery vendor certificate or metadata field—is established here. The actual proof must demonstrate sending and delivery under the current holding.

G2.5 Five-year maximum and the correct trigger

CDC art. 43 §1 prohibits negative information for more than five years. STJ Informativo 817 states more precisely that the five years are counted from the first day after the debt’s maturity date and that the maturity date must be recorded in the maintainer’s database. Planalto+1

Consequences:

• the registration date is not the start of a new five-year period;
• a register cannot obtain five fresh years merely because it receives the debt late;
• changing the collector, servicer or owner does not restart the same debt’s original clock;
• deleting and re-entering the same debt does not create a fresh period;
• the record must contain enough maturity information to control the deadline; and
• an actual novation or genuinely new obligation could require a separate classification, but cannot be presumed from the word “settlement.”

These assignment and re-entry consequences are direct inferences from the maturity-based rule, not separately worded statutory clauses.

G2.6 The two duration limits

STJ Informativo 633 reads CDC art. 43 as containing:

1. the general five-year maximum in §1; and
2. the earlier endpoint under §5 where prescription of the collection claim is completed.

The maintainer must control both. STJ

Súmula 323 states that an entry may remain up to five years regardless of prescription of the execution. Its own precedents explain that §5 refers to prescription of the collection action rather than merely the loss of a particular executive procedure. STJ

This pass therefore does not say:

• every consumer debt is prescribed after five years;
• removal at five years forgives the debt;
• expiration of a cheque or note execution route necessarily triggers §5;
• a judgment has the same clock as the original entry; or
• a debt is collectible simply because the five-year entry period has not ended.

Those are separate claim, instrument, judgment and procedure questions.

G3. Payment, settlement, access and error correction

G3.1 Full and cleared payment

Súmula 548 gives the general federal rule:

• actor: the creditor;
• trigger: integral e efetivo pagamento;
• required act: cause exclusion of the paid debt’s negative record;
• period: five business days;
• start: the first business day after complete availability of the funds necessary to pay the overdue debt. STJ+1

A payment instruction is not always the clearing event. The annotated precedents identify cheques, boletos, interbank transfers and other confirmation-dependent methods as effective when the funds actually enter the creditor’s available control. STJ

The duty concerns the entry for the paid debt. It does not automatically:

• erase unrelated lawful entries;
• erase positive or internal historical data;
• increase a credit score;
• cancel the underlying contract retroactively;
• determine tax treatment; or
• generate a fixed damages award.

G3.2 Partial payment and instalment settlements

Súmula 548 does not say “first instalment”; it says full and effective payment. Therefore a partial payment, standing alone, does not establish the general full-payment deletion trigger. STJ

That does not permit false data. If the register displays an exact outstanding amount and a partial payment reduces it, CDC art. 43 §1’s truth and clarity requirements can create an update question even where the negative status remains supportable. Planalto

For a settlement or instalment agreement, inspect:

• whether it merely permits delayed payment of the existing overdue debt;
• whether the creditor conditionally suspends reporting;
• whether the original obligation is replaced;
• whether the settlement amount is the only remaining balance;
• whether the original default is waived or released;
• whether deletion is promised after signing, first payment, complete payment or another event;
• whether the consumer has complied; and
• whether a later instalment default creates a different maturity date or a revival term.

The reviewed general federal authorities establish no universal rule that the first settlement instalment clears every entry. A fully performed settlement falls within the full-payment principle to the extent it fully satisfies the settled obligation; an unperformed or partially performed agreement requires its actual terms.

G3.3 Access

CDC art. 43 gives the consumer access to information stored about them and to the respective sources. Section 6 requires accessible formats, including for a person with a disability, upon request. Planalto+1

The CDC text examined does not state a numeric response deadline for ordinary art. 43 access. LGPD may supply additional confirmation, access, correction, controller and response rules, but the complete LGPD regime is expressly outside this pass. ANPD’s public guidance identifies access and correction as data-subject rights; it is guidance, not a substitute for reading the full statute, regulations and actor-specific regime. Serviços e Informações do Brasil

A representative’s access requires valid authority and identity verification. Neither the form of that authority nor an operator’s authentication policy is approved here.

G3.4 Immediate correction

CDC art. 43 §3 creates two connected but distinct steps:

1. When the consumer finds an inaccuracy, they may demand its immediate correction.
2. After alteration, the archivist must, within five business days, communicate the alteration to the eventual recipients of the incorrect information. Planalto

The statute does not say the archivist may wait five business days before correcting. The numeric period expressly modifies communication of the alteration to recipients.

Material inaccuracies can include, depending on proof:

• mistaken identity;
• wrong CPF/CNPJ;
• nonexistent debt;
• wrong creditor or source;
• wrong amount;
• omitted partial payment;
• wrong maturity date;
• already-cleared full payment;
• duplicate entry;
• entry maintained beyond its temporal limit; or
• a settlement status inaccurately described.

An accurate unpaid entry is not transformed into an error merely because the consumer dislikes it. Conversely, the existence of some genuine debt does not validate the wrong amount, wrong person, wrong maturity or stale period.

G3.5 Notice failure, prior lawful entries and remedies

Súmula 385 says an irregular negative entry ordinarily does not support moral-damages compensation where there is a pre-existing legitimate entry, but it preserves the right to cancellation. STJ

Necessary distinctions:

• a prior entry must itself be legitimate;
• sequence matters—the prior entry must actually pre-exist;
• cancellation/correction remains available;
• no damages amount is established here;
• notice failure and false debt are different alleged defects;
• other statutory, procedural and factual exceptions may apply; and
• full private remedies, proof, limitation and current citator analysis remain deferred.

No conclusion is made that notice failure always yields damages or that a prior entry eliminates every possible liability.

G3.6 Generic public routes

Consumidor.gov.br is a voluntary public platform for direct dialogue with participating companies. It does not replace Procon, Defensoria, judicial or other traditional consumer-protection routes and does not guarantee an individual result. No company was searched, contacted or complained about. Consumidor

No complaint, correction request, access request, regulator petition, bureau contact or court filing was made.

G4. Nine fictional workflows

All persons, debts, dates, amounts, addresses and communications below are invented. They are decision trees, not conclusions about a real credit report.

H01 — Proposed negative entry with no prior notice

Facts: A register maintainer receives a creditor’s proposed entry for an alleged R$4,000 consumer balance. The maintainer plans to post it immediately. No postal or electronic notice record exists.

Actors/data: Maintainer, furnishing creditor, natural-person consumer, alleged amount and maturity.

Controlling claims: C_BR-P06-C015–C017 below; CDC art. 43 §2; Súmula 359.

Conditional answer: The ordinary entry should not precede the maintainer’s qualifying written notice. The creditor’s earlier collection call does not substitute automatically for the maintainer’s §2 duty.

Required act: Maintainer must send qualifying prior notice and preserve the appropriate proof for the chosen channel.

Clock: No exact statutory waiting-day count was established; the notice must precede entry.

Adverse branch: If the consumer requested the particular register opening, the §2 wording contains a different predicate. Whether a credit application constitutes such a request for this exact negative entry must not be assumed.

Missing evidence: Proposed entry record, source data, notice logs, requested/not-requested status, maturity and identity.

Exact next question: What written notice did the maintainer send before the proposed entry, by which channel, and what proof satisfies that channel’s current rule?

H02 — Wrong postal address and unproved email

Facts: The creditor supplies Address A. The consumer had previously sent the maintainer a documented instruction to use Address B. The maintainer mails to Address A. It also sends an email, but the record shows only “queued,” not delivery.

Controlling claims: C018–C025; Súmula 404, Informativo 597 and Tema 1.315.

Conditional answer:

• ordinary postal law uses the creditor-supplied address and no AR is required;
• the direct prior update to the maintainer creates the Informativo 597 adverse branch;
• the email does not independently satisfy Tema 1.315 without evidence of delivery.

Required proof: Receipt and effective date of the address update, mailing proof, email address source, send log and delivery result.

Consequence: Entry validity and responsibility remain fact-dependent; no damages outcome is calculated.

Exact next question: Had the maintainer received and processed the consumer’s address instruction before sending the notice, and is there independent proof that the electronic notice reached a consumer-provided address?

H03 — Matured debt close to the five-year limit

Facts: An ordinary debt matured on June 30, 2021. Assume the entry is otherwise lawful, no earlier §5 collection-prescription endpoint applies and the maintainer registers the debt only on January 15, 2025.

Primary rule: Five years counted from the first day after maturity, not from registration. STJ

Conditional calculation:

• Debt maturity: June 30, 2021.
• Reporting clock begins: July 1, 2021.
• Five-year anniversary under the ordinary civil-year convention: July 1, 2026.
• Formula: July 1, 2021 + 5 years = July 1, 2026.

The January 15, 2025 entry does not produce a January 15, 2030 endpoint.

Civil Code art. 132 generally excludes the opening day, includes the endpoint and places year periods on the same-numbered date. Because this is a statutory maximum retention rather than an ordinary party filing deadline, this report does not assume that a weekend or holiday allows the maintainer an extra day of negative retention. Exact endpoint implementation should favor avoiding maintenance beyond the five-year maximum. Planalto+1

Adverse branch: If the collection claim prescribed earlier for §5 purposes, the earlier reporting endpoint may control. This pass does not calculate that prescription.

Missing evidence: Actual maturity, payment history, debt instrument, prior registration dates and prescription classification.

Exact next question: What is the verified maturity date stored by the maintainer, and is there any earlier CDC art. 43 §5 endpoint?

H04 — Assignment to a debt buyer

Facts: A consumer debt matured September 10, 2022. The original creditor assigns it to a buyer on March 1, 2025. The buyer asks for a new five-year negative entry beginning on the assignment date.

Controlling claims: C027–C034.

Conditional answer: For the same debt, the reporting maximum remains tied to the first day after the original maturity, not assignment. A change in creditor/source should be accurately identified but does not itself create new maturity.

Required proof: Assignment instrument, debt identity, original maturity, current balance, source field, existing entries and any later agreement.

Adverse branch: A genuinely new valid agreement that replaces the old obligation and creates a new due date may require separate analysis. Assignment alone is not that agreement.

Exact next question: Did the transaction merely transfer ownership of the same matured debt, or did the consumer enter a new enforceable obligation with a different maturity?

H05 — Full payment clears on a Monday

Facts: The consumer initiates payment earlier, but the complete amount needed to satisfy the overdue debt becomes fully available to the creditor on Monday, October 19, 2026. Assume there are no national, state or local holidays during the count.

Primary rule: Five business days beginning on the first business day after complete availability. STJ+1

Conditional calculation:

• Funds fully available: Monday, October 19.
• Tuesday, October 20 = business day 1.
• Wednesday, October 21 = business day 2.
• Thursday, October 22 = business day 3.
• Friday, October 23 = business day 4.
• Saturday and Sunday are not counted.
• Monday, October 26 = business day 5.

Formula:

5 business days = Oct. 20 (1) + Oct. 21 (2) + Oct. 22 (3) + Oct. 23 (4) + Oct. 26 (5).

Conditional result: The creditor’s general Súmula 548 period ends on October 26, subject to actual holiday and local-calendar verification.

Alternative branch: If the boleto or transfer did not clear until Tuesday, October 20, the first business day would ordinarily be Wednesday, October 21, shifting the count.

Missing evidence: Payment instrument, clearing timestamp, complete payoff amount, creditor receipt and deletion request.

Exact next question: When did the complete payoff funds—not merely the payment instruction—become available to the creditor?

H06 — Partial payment and instalment settlement

Facts: The stored debt is R$10,000. The consumer pays R$1,000 and signs a six-month proposal, but the document does not say whether the original debt is replaced, whether reporting is suspended or when deletion occurs.

Controlling claims: C040–C043.

Conditional answer:

• The R$1,000 is not full and effective payment under Súmula 548.
• If the register displays R$10,000 after the creditor recognizes the partial payment, the amount field may be inaccurate.
• No universal first-instalment deletion rule was established.
• The settlement document may create additional duties only after its legal effect and performance are established.

No statutory arithmetic: R$10,000 − R$1,000 = R$9,000 is only the fictional arithmetic balance before interest, fees, releases or settlement terms. It is not a legally determined amount.

Adverse branch: The creditor may have agreed to accept a lower settled balance or delete upon first payment; alternatively, the proposal may never have become effective.

Missing evidence: Executed settlement, acceptance, release, payment allocation, updated ledger and reporting promise.

Exact next question: What event does the signed settlement make legally effective—signing, first cleared instalment, complete performance or another condition?

H07 — Mistaken identity and inaccurate amount

Facts: A register entry uses the consumer’s CPF but records another person’s contract and an incorrect maturity date.

Controlling claims: C011–C014 and C044–C049.

Conditional answer: The data fails the truth and clarity requirements if the mismatch is proved. The consumer may demand immediate correction. Once altered, the archivist has five business days to tell eventual recipients of the incorrect information about the alteration.

Required act: Identity match, source verification, immediate correction and downstream recipient communication.

Clock: The five-business-day period in §3 applies to notifying recipients of the alteration. The text does not authorize delaying correction for those five days.

Adverse branch: A similar name is not proof of mistaken identity; authenticate the CPF, contract, source and consumer.

Missing evidence: Full register disclosure, source details, identity documents, contract and recipient log.

Exact next question: Which source supplied the mismatched contract, and to which third-party recipients was the incorrect data previously sent?

H08 — One erroneous entry alongside an earlier lawful entry

Facts: The consumer has one verified legitimate earlier entry and a later entry for a debt that does not belong to them.

Controlling claims: C050–C053; Súmula 385.

Conditional answer: The later erroneous entry remains subject to cancellation or correction. Súmula 385 may affect a moral-damages claim because of the prior legitimate entry, but it does not validate the later entry.

Adverse branch: If the supposed earlier entry is itself unlawful, inaccurate, later in time or already removed, the Súmula 385 predicate may fail.

Missing evidence: Dates, legitimacy, notice and status of both entries.

Exact next question: Was the other entry genuinely lawful and already in existence before the challenged entry?

H09 — Consumer requests access and correction through a representative

Facts: A family member sends a correction request, but no authorization document is included. The request says the amount is wrong but supplies no register disclosure or payment receipt.

Controlling claims: C011–C014, C044–C048.

Conditional answer: CDC art. 43 protects access and correction, but the maintainer may require a valid basis for the representative to act and evidence identifying the supposed inaccuracy. No operator-specific authentication procedure is approved here.

Required act: Establish representation, identify the entry and source, provide the relevant proof, make immediate correction if inaccuracy is established, and notify prior recipients as required.

Adverse branch: A maintainer cannot use an unreasonable verification demand to defeat a valid statutory right, but that issue requires the actual procedure and full consumer/LGPD analysis.

Missing evidence: Authority, identification, complete report, source, payment or settlement record.

Exact next question: What valid authority permits this representative to access and alter the consumer’s record, and what document proves the specific field is inaccurate?

G5. Old-to-new disposition and currentness

Literal reviewed P01 row preserved

Original coordinator acceptance: explicit_deferred_hold_preserved.

PASS-06 narrow addition

The P01 row is not overwritten. It is narrowed only for the ordinary federal negative-register component.

Material currentness crosswalk

No exhaustive later-amendment or commercial-citator certification is claimed. The current official bodies must be rechecked at publication or deployment.

PASS-06 source register

Status labels

• FRESH-READ—OPERATIVE: enacted or compiled official law read.
• FRESH-READ—QUALIFIED PRECEDENT: official repetitive holding or final thesis read.
• FRESH-READ—SÚMULA: official annotated STJ súmula read.
• FRESH-READ—OFFICIAL INTERPRETATION: official STJ jurisprudence digest or explanation; not legislation.
• HISTORICAL—SUPERSEDED IN PART: earlier official interpretation retained solely to show the corrected currentness history.
• GUIDANCE-READ: official public guidance, not legislation.
• FAILED-ALTERNATE: attempted official direct item returned no accessible body; no proposition rests on it.

Access date for every row: October 26, 2026 PDT / October 27, 2026 UTC. Exact clock time unknown. All successfully read bodies were HTML; PDF zero-based page index is therefore N/A.

Source count: 20 displayed rows. Three official enacted/compiled legal bodies; thirteen official STJ bodies including one historical currentness source; two official guidance sources; two failed official alternate routes.

Atomic claim/evidence register

A097 denotes actor, data-operation or engagement classification. A098 denotes consumer right, notice, duration, update, correction or currentness.

Claim count: 60 displayed atomic and qualified claims, C001–C060.

Complete granular core coverage

“Answered” means only that the narrow general federal rule was identified. It does not approve an actual entry or remedy.

Core-coverage count: 80 displayed rows, P06-G01 through G80.

Separately named deferred families

Deferred-family count: 35 displayed rows.

All 27 inherited state and Distrito Federal branches

The jurisdiction names are inherited from P01. No geography API, IBGE endpoint or fresh territorial enumeration was used. No state or DF branch is cleared.

Territorial count: 27 displayed rows; zero jurisdictions cleared.

Evidence-backed article, checklist and conditional-tool opportunities

A safe duration tool should output:

“Candidate negative-register maximum based on the supplied maturity date. This is not a finding that the debt is prescribed, forgiven, invalid or uncollectible. An earlier CDC art. 43 §5 endpoint and payment/correction events require separate verification.”

It should never output “Your debt legally disappears on this date.”

Researcher self-check

Exact evidence still required for a real record analysis

1. Complete consumer disclosure from the relevant register.
2. Identity and source fields.
3. Alleged debt instrument and maturity date.
4. Registration and prior-notice timestamps.
5. Postal dispatch or electronic send-and-delivery evidence.
6. Address, email or telephone provenance and update history.
7. Assignment or servicing chain, if any.
8. Payment and clearing records.
9. Executed settlement and release terms.
10. Current amount ledger and allocation of partial payments.
11. Correction requests and maintainer responses.
12. List of recipients that received inaccurate information.
13. Other entries and their chronological legitimacy if Súmula 385 is raised.
14. Applicable state/DF and municipal procedures and holidays.
15. Current CDC, STJ, LGPD and special-system sources at the date of actual use.

Final disposition: PASS-06 establishes the narrow federal framework for an ordinary negative consumer credit-register entry. It does not establish that any actual entry is lawful, unlawful, expired, corrected, removable, compensable, score-affecting, forgiven or collectible.

END C_BR PASS-06