{"meta":{"key":"d012--credit-07","task":"D012","title":"Medical-debt credit-reporting status and source limits","parent_title":"Medical dental and long term care debt","edition":"credit-07","path":"/research/d012--credit-07/","kind":"correction","category":"subject","role":"foundation","area_numbers":[16],"groups":["debt-types"],"date":"2026-10-23","tables":4,"claims":4,"sources":10,"review_status":"original_and_remaining_required_medical_work_open","review_complete":true,"sha256":"09c9f7d4f9acdd4ea42923f3f2464bb91f44062cd2d868451c3f6c53f03b95d6","headings":["1. Findings","CREDIT-01 — The CFPB's 2025 Medical Debt Rule was vacated","CREDIT-02 — Qualifying veteran medical debt receives specific statutory protection","CREDIT-03 — The three nationwide credit bureaus historically adopted voluntary changes","2. Source register","3. Replacement material claim register","Additional statutory qualification for C030","4. Publication-ready replacement wording","Can medical debt appear on your credit report?","5. Coverage and gap table","6. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"D012/credit-07","facets":{"geography":["us"],"debt_type":["medical","dental"],"stage":[],"subject":["credit-reporting","medical-assistance","employment-care-benefits"]},"scope":"","pending_corrections":0},"markdown":"# SettleADebt.com — D012 CREDIT-07\n\nFocused evidence supplement | A016 Medical credit reporting | Baseline and actual verification date: October 22, 2026, Pacific\n\nDisposition: The July 2025 medical-debt-rule vacatur and federal veteran protections are verified. Historical nationwide credit-bureau practices are supported by CFPB research. Current individual-bureau policies and complete subsequent litigation history remain held.\n\nThis amendment preserves D012-S025, S026, S036 and claims C029, C030, C042. New evidence uses the separate `D012-CR7-S001` namespace. No original source or claim IDs are overwritten.\n\n## 1. Findings\n\n### CREDIT-01 — The CFPB's 2025 Medical Debt Rule was vacated\n\nThe U.S. District Court for the Eastern District of Texas issued a memorandum opinion and order on July 11, 2025, in Cornerstone Credit Union League v. CFPB, No. 4:25-cv-00016-SDJ.\n\nThe court held that the CFPB's Medical Debt Rule exceeded its statutory authority under the FCRA. The court's opinion discusses the statutory treatment of coded medical information and rejects the rule's broader prohibitions.\n\nThe operative disposition appears on page 34 of Document 52. The separate final judgment, Document 53, expressly vacates and sets aside the rule in its entirety and remands the matter to the CFPB. storage.courtlistener.com+1\n\nOfficial agency confirmation\n\nThe CFPB's Regulation V rulemaking page expressly acknowledges the July 11, 2025 vacatur and labels its medical-debt-rule materials as reference-only. The page was last modified February 24, 2026. Consumer Financial Protection Bureau\n\nEffect at the October 22, 2026 baseline: The vacated 2025 federal rule cannot be presented as an operative nationwide prohibition on medical-debt credit reporting or creditor consideration.\n\nThat conclusion does not repeal other FCRA restrictions, override applicable state protections, or require credit bureaus to abandon voluntary reporting policies.\n\nThe court's ruling also does not establish that every medical debt is reportable, accurate, collectible, or legally enforceable.\n\n### CREDIT-02 — Qualifying veteran medical debt receives specific statutory protection\n\n15 U.S.C. § 1681c(a)(7)–(8) establishes two separate exclusions for qualifying veteran medical debt in reports issued by nationwide consumer reporting agencies covered by § 1681a(p).\n\nFirst, the one-year protection: Under § 1681c(a)(7), qualifying information is excluded when the related hospital care, medical services, or extended-care services were rendered less than one year before the report.\n\nSecond, the paid-or-settled protection: Under § 1681c(a)(8), qualifying fully paid or settled veteran medical debt previously characterized as delinquent, charged off, or in collection is excluded.\n\nBoth provisions expressly contain conditions concerning the reporting agency's actual knowledge that the information relates to veteran medical debt and compliance with the database-verification obligation referenced in Public Law 115-174, § 302(c)(5). uscode.house.gov\n\nThe special definition is narrower than simply “any medical bill owed by a veteran.”\n\nUnder 15 U.S.C. § 1681a(z)–(aa), veteran medical debt includes qualifying medical collection debt owed to a non-VA healthcare provider and submitted to the VA for payment for VA-authorized care, as well as medical collection debt wrongfully charged to a veteran by the VA. uscode.house.gov\n\nThese provisions are not universal protections for every veteran's privately incurred medical expense.\n\n### CREDIT-03 — The three nationwide credit bureaus historically adopted voluntary changes\n\nThe CFPB's May 16, 2024 research publication documents changes implemented during 2022 and 2023:\n\n| Historical policy category | Documented implementation | Scope |\n| --- | --- | --- |\n| Paid medical collections | July 2022 | Removal from nationwide credit reports |\n| Unpaid medical collections less than one year old | July 2022 | Reporting delay extended from six months to one year |\n| Medical collections with initial balances below $500 | April 2023 | Removal from nationwide credit reports |\n\nThe CFPB identified Equifax, Experian and TransUnion as the three nationwide reporting companies involved in these changes. Consumer Financial Protection Bureau+1\n\nThese were voluntary industry reporting changes, not provisions enacted by the 2025 Medical Debt Rule. The rule's later vacatur therefore did not, by itself, terminate the historical voluntary policies.\n\nHowever, CFPB descriptions of practices in 2022–2024 do not establish the complete individual reporting policies of Equifax, Experian and TransUnion on October 22, 2026.\n\nThe CFPB's research also found that medical-collection tradelines could reappear as new qualifying collections, including accounts above the historical $500 threshold. Consequently, the removal of one tradeline should not be represented as cancellation of the underlying debt. Consumer Financial Protection Bureau\n\n## 2. Source register\n\nAccess date for opened sources: October 22, 2026, Pacific. Historical publication dates and page-modification dates are recorded separately.\n\n| ID | Source, direct literal URL and pinpoint | Version/status, access and limits |\n| --- | --- | --- |\n| D012-S025 | Cornerstone Credit Union League v. CFPB, E.D. Tex., No. 4:25-cv-00016-SDJ, Documents 52–53, July 11, 2025. Original record identified GovInfo but supplied no URL. | Original July 2025 GovInfo visual-access assertion remains unverified. Court-filed copies were recovered separately through S-CR7-001/002. |\n| D012-CR7-S001 | Court Document 52, Memorandum Opinion and Order, 34 pages. [https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.52.0_1.pdf](https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.52.0_1.pdf?utm_source=chatgpt.com) — pp. 23–25, 30–34; especially p. 34, Part IV. | Opened/read. July 11, 2025 district-court opinion, reproduced from the federal docket through CourtListener/RECAP. Not a GovInfo-hosted copy. storage.courtlistener.com |\n| D012-CR7-S002 | Court Document 53, Final Judgment, 2 pages. [https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.53.0.pdf](https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.53.0.pdf?utm_source=chatgpt.com) — p. 1, numbered relief; p. 2, signature/disposition. | Opened/read. July 11, 2025 final judgment; entire-rule vacatur, remand, remaining relief and case closure. Later appellate history not independently established. storage.courtlistener.com |\n| D012-CR7-S003 | CFPB, Consumer Reporting (Regulation V). [https://www.consumerfinance.gov/rules-policy/final-rules/consumer-reporting-regulation-v/](https://www.consumerfinance.gov/rules-policy/final-rules/consumer-reporting-regulation-v/?utm_source=chatgpt.com) — introductory vacatur notice and “Final rules.” | Opened/read. Official agency confirmation; last modified February 24, 2026. Reference-only designation for vacated rule materials. Consumer Financial Protection Bureau |\n| D012-S026 | Congress/OLRC, 15 U.S.C. § 1681c. [https://uscode.house.gov/us/usc/119-120/t15/s1681c/](https://uscode.house.gov/us/usc/119-120/t15/s1681c/?utm_source=chatgpt.com) — (a)(7)–(8), (b), statutory note for Public Law 115-174 § 302(c). | Opened/read. Federal statute displayed through Public Law 119-120, October 7, 2026. The ordinary § 1681c(b) exceptions expressly concern (a)(1)–(5), not the veteran paragraphs (7)–(8). uscode.house.gov |\n| D012-CR7-S004 | Congress/OLRC, 15 U.S.C. § 1681a. [https://uscode.house.gov/us/usc/119-121/t15/s1681a/](https://uscode.house.gov/us/usc/119-121/t15/s1681a/?utm_source=chatgpt.com) — (p), (z), (aa). | Opened/read. Definitions of nationwide CRA, veteran and veteran medical debt; text through Public Law 119-121, October 9, 2026. uscode.house.gov |\n| D012-CR7-S005 | Congress/GPO, Public Law 115-174 (May 24, 2018), § 302(b)–(e). [https://www.govinfo.gov/content/pkg/PLAW-115publ174/html/PLAW-115publ174.htm](https://www.govinfo.gov/content/pkg/PLAW-115publ174/html/PLAW-115publ174.htm?utm_source=chatgpt.com) — 132 Stat. 1333–1335. | Opened/read. Enacted federal statute; definition, reporting exclusions, verification-database provisions and effective-date framework. Current database operation not verified. govinfo.gov |\n| D012-S036 | CFPB, medical-collection reporting research. Recovered source: [https://www.consumerfinance.gov/data-research/research-reports/data-spotlight-early-impacts-of-removing-low-balance-medical-collections/](https://www.consumerfinance.gov/data-research/research-reports/data-spotlight-early-impacts-of-removing-low-balance-medical-collections/?utm_source=chatgpt.com) — introductory paragraphs and “Data and Methodology.” | Opened/read. May 16, 2024 research documenting historical practices. Does not establish current individual-bureau policies. Consumer Financial Protection Bureau |\n| D012-CR7-S006 | CFPB, Have medical debt? Anything already paid or under $500 should no longer be on your credit report. [https://www.consumerfinance.gov/archive/blog/medical-debt-anything-already-paid-or-under-500-should-no-longer-be-on-your-credit-report/](https://www.consumerfinance.gov/archive/blog/medical-debt-anything-already-paid-or-under-500-should-no-longer-be-on-your-credit-report/?utm_source=chatgpt.com) — paragraphs 3–6, “Check your credit report.” | Opened/read. Published May 8, 2023; modified June 25, 2026. Archived consumer guidance, not an enacted reporting mandate or verified current bureau contract. Consumer Financial Protection Bureau |\n| D012-CR7-S007 | CFPB, Recent Changes in Medical Collections on Consumer Credit Records. [https://www.consumerfinance.gov/data-research/research-reports/recent-changes-in-medical-collections-on-consumer-credit-records/](https://www.consumerfinance.gov/data-research/research-reports/recent-changes-in-medical-collections-on-consumer-credit-records/?utm_source=chatgpt.com) — introduction and reported 2022–2023 changes. | Located in CFPB search results; discovery-supported, not separately opened in this pass. Historical corroboration only. Consumer Financial Protection Bureau |\n\nFailed official-source route: The OLRC preliminary-code viewer at `https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title15-section1681c&num=0&edition=prelim` returned a maintenance page. The section-specific OLRC route listed under S026 was successfully opened instead. uscode.house.gov\n\nGovInfo limitation: No verified GovInfo URL for the original S025 opinion or judgment was recovered. The recovered court documents are docket reproductions, not evidence that the original researcher visited GovInfo.\n\n## 3. Replacement material claim register\n\n| Claim ID | Corrected precise claim | Sources and exact pinpoints | Conditions, limits and disposition |\n| --- | --- | --- | --- |\n| D012-C029 | The CFPB's 2025 Medical Debt Rule, published at 90 FR 3276, was set aside and vacated in its entirety by the Eastern District of Texas on July 11, 2025. The final judgment remanded the matter to the CFPB. The rule was not operative at the October 22, 2026 baseline on the evidence reviewed. | S025; CR7-S001, opinion pp. 32–34; CR7-S002, judgment pp. 1–2; CR7-S003, CFPB vacatur notice. storage.courtlistener.com+2 | Verified district-court disposition. Current CFPB acknowledgment verified. Complete appellate and subsequent procedural history not audited; state laws remain separate. |\n| D012-C030 | FCRA § 1681c(a)(7)–(8) excludes specified qualifying veteran medical-debt information from nationwide CRA reports during the first year after the related care and, separately, after a qualifying previously adverse debt has been fully paid or settled. Both provisions include actual-knowledge and statutory database-compliance conditions. | S026, § 1681c(a)(7)–(8); CR7-S004, § 1681a(p), (z), (aa); CR7-S005, Public Law 115-174 § 302(b)–(c). uscode.house.gov+2 | Verified statutory text. Not every veteran medical bill qualifies. Actual VA authorization, debt classification, agency knowledge and database operation require fact-specific verification. |\n| D012-C042 | CFPB research documents voluntary 2022–2023 reporting changes by Equifax, Experian and TransUnion concerning paid medical collections, collections less than one year old, and collections with initial balances below $500. These historical practices are not federal statutory exclusions and must not be equated with the vacated 2025 CFPB rule. | S036, May 16, 2024 research, opening paragraphs; CR7-S006, May 8, 2023 consumer guidance, “Check your credit report.” Consumer Financial Protection Bureau+1 | Verified historical practice. Individual bureau policies as of October 2026 were not read. No universal credit-score effect or guaranteed removal is established. |\n\n### Additional statutory qualification for C030\n\nPublic Law 115-174 also added 15 U.S.C. § 1681i(g), a specialized dispute process for veteran medical debt. Under that provision, a veteran may submit specified VA notices or documentation establishing VA payment responsibility. The statute provides for deletion and notification when the CRA receives qualifying documentation.\n\nThis is distinct from the one-year and paid/settled exclusions in § 1681c(a)(7)–(8). It does not mean every veteran can demand deletion of any medical bill without the statutory evidence. govinfo.gov\n\n## 4. Publication-ready replacement wording\n\nWriting### Can medical debt appear on your credit report?\n\nMedical-debt credit reporting is governed by several different kinds of rules: federal law, applicable state law, and voluntary credit-bureau reporting practices.\n\nIn July 2025, a federal district court vacated the CFPB's 2025 Medical Debt Rule in its entirety. That rule therefore cannot be relied upon as a nationwide prohibition on reporting medical debt.\n\nSeparately, Equifax, Experian and TransUnion implemented voluntary changes during 2022 and 2023 to remove paid medical collections, delay reporting of unpaid medical collections until they were at least one year old, and remove medical collections with initial balances below $500. Those historical policies are documented by CFPB research, but their complete October 2026 terms have not been individually verified here.\n\nFederal law also provides special protections for qualifying veteran medical debt. Under 15 U.S.C. § 1681c(a)(7)–(8), specified nationwide credit reporting agencies must exclude qualifying veteran medical-debt information within the statutory one-year period and after qualifying debts have been fully paid or settled, subject to the statute's actual-knowledge and verification conditions.\n\nThese protections do not automatically cancel the underlying debt. A consumer should distinguish the validity of the bill from whether a particular collection account may lawfully appear on a credit report. State protections and reporting errors require separate examination.\n\n## 5. Coverage and gap table\n\n| Subtopic | Status | Claim/source references | Missing evidence or next action |\n| --- | --- | --- | --- |\n| July 11, 2025 vacatur | Answered | C029; S025, CR7-S001–003 | None for district-court disposition |\n| Separate final judgment | Answered | C029; CR7-S002 | Complete later docket history |\n| Original GovInfo visual-access assertion | Unverified | S025 | Recover actual original URL or retain historical assertion only |\n| CFPB current rule characterization | Answered at checked date | C029; CR7-S003 | Recheck before later publication |\n| Appeal or subsequent litigation | Partial | C029 | Official appellate/docket history after judgment |\n| FCRA veteran one-year exclusion | Answered — statutory text | C030; S026 | Actual case classification and agency knowledge |\n| Paid/settled veteran exclusion | Answered — statutory text | C030; S026 | Qualifying status and documentation |\n| Veteran medical-debt definition | Answered — statutory text | C030; CR7-S004 | VA authorization/payment records in individual cases |\n| Nationwide CRA limitation | Answered — statutory text | C030; CR7-S004 | Confirm entity status where disputed |\n| VA verification database | Partial | C030; CR7-S005 | Actual operational status and compliance |\n| Veteran dispute/deletion procedure | Answered — statutory framework | C030; CR7-S005 | Individual notice and evidence |\n| Historical paid-collection removal | Answered — historical | C042; S036, CR7-S006 | Current bureau-specific text |\n| Historical one-year delay | Answered — historical | C042; S036 | Current bureau-specific text |\n| Historical under-$500 removal | Answered — historical | C042; S036 | Current initial-balance treatment |\n| Equifax current policy | Unresolved | C042 | Read actual current Equifax terms |\n| Experian current policy | Unresolved | C042 | Read actual current Experian terms |\n| TransUnion current policy | Unresolved | C042 | Read actual current TransUnion terms |\n| State medical-debt reporting laws | Outside scope / held | C029, C042 | Separate state assignments |\n| Credit-score effects | Not established individually | C042; S036 | No guaranteed score changes |\n| Debt validity versus reporting | Answered conceptually | C029–C042 | Specific underlying bill and reporting facts |\n\n## 6. Researcher self-check\n\nActually opened and read in CREDIT-07: The July 11, 2025 memorandum opinion and final judgment reproduced from the federal docket; the CFPB's official vacatur notice; OLRC FCRA statutory provisions; Public Law 115-174; and CFPB historical reporting research and consumer guidance.\n\nNot verified: The original S025 GovInfo access claim; complete subsequent appellate history; the current individual policies of all three nationwide credit bureaus; actual VA database operations; state-law variations; or any consumer's specific reporting circumstances.\n\nNo independent review was performed. No local files were saved, no publication occurred, and no external parties were contacted.\n\nFinal disposition: D012 CREDIT-07 resolves the core federal order and veteran-statutory evidence, supports historical bureau-practice claims, and retains explicit holds on current bureau policies, individual facts, and later litigation history. The other original D012 claims and the broader medical-debt area are not accepted by implication.\n\nEND D012 CREDIT-07\n\n","tables":[{"headers":[],"index":0,"links":[],"row_links":[[],[],[],[]],"rows":[["Historical policy category","Documented implementation","Scope"],["Paid medical collections","July 2022","Removal from nationwide credit reports"],["Unpaid medical collections less than one year old","July 2022","Reporting delay extended from six months to one year"],["Medical collections with initial balances below $500","April 2023","Removal from nationwide credit reports"]]},{"headers":[],"index":1,"links":[{"href":"https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.52.0_1.pdf?utm_source=chatgpt.com","text":"https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.52.0_1.pdf"},{"href":"https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.53.0.pdf?utm_source=chatgpt.com","text":"https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.53.0.pdf"},{"href":"https://www.consumerfinance.gov/rules-policy/final-rules/consumer-reporting-regulation-v/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/final-rules/consumer-reporting-regulation-v/"},{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1681c/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1681c/"},{"href":"https://uscode.house.gov/us/usc/119-121/t15/s1681a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-121/t15/s1681a/"},{"href":"https://www.govinfo.gov/content/pkg/PLAW-115publ174/html/PLAW-115publ174.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/PLAW-115publ174/html/PLAW-115publ174.htm"},{"href":"https://www.consumerfinance.gov/data-research/research-reports/data-spotlight-early-impacts-of-removing-low-balance-medical-collections/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/data-research/research-reports/data-spotlight-early-impacts-of-removing-low-balance-medical-collections/"},{"href":"https://www.consumerfinance.gov/archive/blog/medical-debt-anything-already-paid-or-under-500-should-no-longer-be-on-your-credit-report/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/archive/blog/medical-debt-anything-already-paid-or-under-500-should-no-longer-be-on-your-credit-report/"},{"href":"https://www.consumerfinance.gov/data-research/research-reports/recent-changes-in-medical-collections-on-consumer-credit-records/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/data-research/research-reports/recent-changes-in-medical-collections-on-consumer-credit-records/"}],"row_links":[[],[],[{"href":"https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.52.0_1.pdf?utm_source=chatgpt.com","text":"https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.52.0_1.pdf"}],[{"href":"https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.53.0.pdf?utm_source=chatgpt.com","text":"https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.53.0.pdf"}],[{"href":"https://www.consumerfinance.gov/rules-policy/final-rules/consumer-reporting-regulation-v/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/rules-policy/final-rules/consumer-reporting-regulation-v/"}],[{"href":"https://uscode.house.gov/us/usc/119-120/t15/s1681c/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-120/t15/s1681c/"}],[{"href":"https://uscode.house.gov/us/usc/119-121/t15/s1681a/?utm_source=chatgpt.com","text":"https://uscode.house.gov/us/usc/119-121/t15/s1681a/"}],[{"href":"https://www.govinfo.gov/content/pkg/PLAW-115publ174/html/PLAW-115publ174.htm?utm_source=chatgpt.com","text":"https://www.govinfo.gov/content/pkg/PLAW-115publ174/html/PLAW-115publ174.htm"}],[{"href":"https://www.consumerfinance.gov/data-research/research-reports/data-spotlight-early-impacts-of-removing-low-balance-medical-collections/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/data-research/research-reports/data-spotlight-early-impacts-of-removing-low-balance-medical-collections/"}],[{"href":"https://www.consumerfinance.gov/archive/blog/medical-debt-anything-already-paid-or-under-500-should-no-longer-be-on-your-credit-report/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/archive/blog/medical-debt-anything-already-paid-or-under-500-should-no-longer-be-on-your-credit-report/"}],[{"href":"https://www.consumerfinance.gov/data-research/research-reports/recent-changes-in-medical-collections-on-consumer-credit-records/?utm_source=chatgpt.com","text":"https://www.consumerfinance.gov/data-research/research-reports/recent-changes-in-medical-collections-on-consumer-credit-records/"}]],"rows":[["ID","Source, direct literal URL and pinpoint","Version/status, access and limits"],["D012-S025","Cornerstone Credit Union League v. CFPB, E.D. Tex., No. 4:25-cv-00016-SDJ, Documents 52–53, July 11, 2025. Original record identified GovInfo but supplied no URL.","Original July 2025 GovInfo visual-access assertion remains unverified. Court-filed copies were recovered separately through S-CR7-001/002."],["D012-CR7-S001","Court Document 52, Memorandum Opinion and Order, 34 pages. https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.52.0_1.pdf — pp. 23–25, 30–34; especially p. 34, Part IV.","Opened/read. July 11, 2025 district-court opinion, reproduced from the federal docket through CourtListener/RECAP. Not a GovInfo-hosted copy. \nstorage.courtlistener.com"],["D012-CR7-S002","Court Document 53, Final Judgment, 2 pages. https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.53.0.pdf — p. 1, numbered relief; p. 2, signature/disposition.","Opened/read. July 11, 2025 final judgment; entire-rule vacatur, remand, remaining relief and case closure. Later appellate history not independently established. \nstorage.courtlistener.com"],["D012-CR7-S003","CFPB, Consumer Reporting (Regulation V). https://www.consumerfinance.gov/rules-policy/final-rules/consumer-reporting-regulation-v/ — introductory vacatur notice and “Final rules.”","Opened/read. Official agency confirmation; last modified February 24, 2026. Reference-only designation for vacated rule materials. \nConsumer Financial Protection Bureau"],["D012-S026","Congress/OLRC, 15 U.S.C. § 1681c. https://uscode.house.gov/us/usc/119-120/t15/s1681c/ — (a)(7)–(8), (b), statutory note for Public Law 115-174 § 302(c).","Opened/read. Federal statute displayed through Public Law 119-120, October 7, 2026. The ordinary § 1681c(b) exceptions expressly concern (a)(1)–(5), not the veteran paragraphs (7)–(8). \nuscode.house.gov"],["D012-CR7-S004","Congress/OLRC, 15 U.S.C. § 1681a. https://uscode.house.gov/us/usc/119-121/t15/s1681a/ — (p), (z), (aa).","Opened/read. Definitions of nationwide CRA, veteran and veteran medical debt; text through Public Law 119-121, October 9, 2026. \nuscode.house.gov"],["D012-CR7-S005","Congress/GPO, Public Law 115-174 (May 24, 2018), § 302(b)–(e). https://www.govinfo.gov/content/pkg/PLAW-115publ174/html/PLAW-115publ174.htm — 132 Stat. 1333–1335.","Opened/read. Enacted federal statute; definition, reporting exclusions, verification-database provisions and effective-date framework. Current database operation not verified. \ngovinfo.gov"],["D012-S036","CFPB, medical-collection reporting research. Recovered source: https://www.consumerfinance.gov/data-research/research-reports/data-spotlight-early-impacts-of-removing-low-balance-medical-collections/ — introductory paragraphs and “Data and Methodology.”","Opened/read. May 16, 2024 research documenting historical practices. Does not establish current individual-bureau policies. \nConsumer Financial Protection Bureau"],["D012-CR7-S006","CFPB, Have medical debt? Anything already paid or under $500 should no longer be on your credit report. https://www.consumerfinance.gov/archive/blog/medical-debt-anything-already-paid-or-under-500-should-no-longer-be-on-your-credit-report/ — paragraphs 3–6, “Check your credit report.”","Opened/read. Published May 8, 2023; modified June 25, 2026. Archived consumer guidance, not an enacted reporting mandate or verified current bureau contract. \nConsumer Financial Protection Bureau"],["D012-CR7-S007","CFPB, Recent Changes in Medical Collections on Consumer Credit Records. https://www.consumerfinance.gov/data-research/research-reports/recent-changes-in-medical-collections-on-consumer-credit-records/ — introduction and reported 2022–2023 changes.","Located in CFPB search results; discovery-supported, not separately opened in this pass. Historical corroboration only. \nConsumer Financial Protection Bureau"]]},{"headers":[],"index":2,"links":[],"row_links":[[],[],[],[]],"rows":[["Claim ID","Corrected precise claim","Sources and exact pinpoints","Conditions, limits and disposition"],["D012-C029","The CFPB's 2025 Medical Debt Rule, published at 90 FR 3276, was set aside and vacated in its entirety by the Eastern District of Texas on July 11, 2025. The final judgment remanded the matter to the CFPB. The rule was not operative at the October 22, 2026 baseline on the evidence reviewed.","S025; CR7-S001, opinion pp. 32–34; CR7-S002, judgment pp. 1–2; CR7-S003, CFPB vacatur notice. \nstorage.courtlistener.com\n+2","Verified district-court disposition. Current CFPB acknowledgment verified. Complete appellate and subsequent procedural history not audited; state laws remain separate."],["D012-C030","FCRA § 1681c(a)(7)–(8) excludes specified qualifying veteran medical-debt information from nationwide CRA reports during the first year after the related care and, separately, after a qualifying previously adverse debt has been fully paid or settled. Both provisions include actual-knowledge and statutory database-compliance conditions.","S026, § 1681c(a)(7)–(8); CR7-S004, § 1681a(p), (z), (aa); CR7-S005, Public Law 115-174 § 302(b)–(c). \nuscode.house.gov\n+2","Verified statutory text. Not every veteran medical bill qualifies. Actual VA authorization, debt classification, agency knowledge and database operation require fact-specific verification."],["D012-C042","CFPB research documents voluntary 2022–2023 reporting changes by Equifax, Experian and TransUnion concerning paid medical collections, collections less than one year old, and collections with initial balances below $500. These historical practices are not federal statutory exclusions and must not be equated with the vacated 2025 CFPB rule.","S036, May 16, 2024 research, opening paragraphs; CR7-S006, May 8, 2023 consumer guidance, “Check your credit report.” \nConsumer Financial Protection Bureau\n+1","Verified historical practice. Individual bureau policies as of October 2026 were not read. No universal credit-score effect or guaranteed removal is established."]]},{"headers":[],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Subtopic","Status","Claim/source references","Missing evidence or next action"],["July 11, 2025 vacatur","Answered","C029; S025, CR7-S001–003","None for district-court disposition"],["Separate final judgment","Answered","C029; CR7-S002","Complete later docket history"],["Original GovInfo visual-access assertion","Unverified","S025","Recover actual original URL or retain historical assertion only"],["CFPB current rule characterization","Answered at checked date","C029; CR7-S003","Recheck before later publication"],["Appeal or subsequent litigation","Partial","C029","Official appellate/docket history after judgment"],["FCRA veteran one-year exclusion","Answered — statutory text","C030; S026","Actual case classification and agency knowledge"],["Paid/settled veteran exclusion","Answered — statutory text","C030; S026","Qualifying status and documentation"],["Veteran medical-debt definition","Answered — statutory text","C030; CR7-S004","VA authorization/payment records in individual cases"],["Nationwide CRA limitation","Answered — statutory text","C030; CR7-S004","Confirm entity status where disputed"],["VA verification database","Partial","C030; CR7-S005","Actual operational status and compliance"],["Veteran dispute/deletion procedure","Answered — statutory framework","C030; CR7-S005","Individual notice and evidence"],["Historical paid-collection removal","Answered — historical","C042; S036, CR7-S006","Current bureau-specific text"],["Historical one-year delay","Answered — historical","C042; S036","Current bureau-specific text"],["Historical under-$500 removal","Answered — historical","C042; S036","Current initial-balance treatment"],["Equifax current policy","Unresolved","C042","Read actual current Equifax terms"],["Experian current policy","Unresolved","C042","Read actual current Experian terms"],["TransUnion current policy","Unresolved","C042","Read actual current TransUnion terms"],["State medical-debt reporting laws","Outside scope / held","C029, C042","Separate state assignments"],["Credit-score effects","Not established individually","C042; S036","No guaranteed score changes"],["Debt validity versus reporting","Answered conceptually","C029–C042","Specific underlying bill and reporting facts"]]}],"claims":[{"claim_id":"D012-C029","area_numbers":[16],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"D012-C029","Corrected precise claim":"The CFPB's 2025 Medical Debt Rule, published at 90 FR 3276, was set aside and vacated in its entirety by the Eastern District of Texas on July 11, 2025. The final judgment remanded the matter to the CFPB. The rule was not operative at the October 22, 2026 baseline on the evidence reviewed.","Sources and exact pinpoints":"S025; CR7-S001, opinion pp. 32–34; CR7-S002, judgment pp. 1–2; CR7-S003, CFPB vacatur notice. \nstorage.courtlistener.com\n+2","Conditions, limits and disposition":"Verified district-court disposition. Current CFPB acknowledgment verified. Complete appellate and subsequent procedural history not audited; state laws remain separate."},"coordinator_verification_status":"selected_source_support_checked_complete_history_current_bureau_or_individual_application_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"D012-C030","area_numbers":[16],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"D012-C030","Corrected precise claim":"FCRA § 1681c(a)(7)–(8) excludes specified qualifying veteran medical-debt information from nationwide CRA reports during the first year after the related care and, separately, after a qualifying previously adverse debt has been fully paid or settled. Both provisions include actual-knowledge and statutory database-compliance conditions.","Sources and exact pinpoints":"S026, § 1681c(a)(7)–(8); CR7-S004, § 1681a(p), (z), (aa); CR7-S005, Public Law 115-174 § 302(b)–(c). \nuscode.house.gov\n+2","Conditions, limits and disposition":"Verified statutory text. Not every veteran medical bill qualifies. Actual VA authorization, debt classification, agency knowledge and database operation require fact-specific verification."},"coordinator_verification_status":"selected_source_support_checked_complete_history_current_bureau_or_individual_application_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"D012-C042","area_numbers":[16],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"D012-C042","Corrected precise claim":"CFPB research documents voluntary 2022–2023 reporting changes by Equifax, Experian and TransUnion concerning paid medical collections, collections less than one year old, and collections with initial balances below $500. These historical practices are not federal statutory exclusions and must not be equated with the vacated 2025 CFPB rule.","Sources and exact pinpoints":"S036, May 16, 2024 research, opening paragraphs; CR7-S006, May 8, 2023 consumer guidance, “Check your credit report.” \nConsumer Financial Protection Bureau\n+1","Conditions, limits and disposition":"Verified historical practice. Individual bureau policies as of October 2026 were not read. No universal credit-score effect or guaranteed removal is established."},"coordinator_verification_status":"selected_source_support_checked_complete_history_current_bureau_or_individual_application_held","coordinator_review":"[internal evidence reference]"},{"claim_id":"D012-CR7-C001","area_numbers":[16],"record_kind":"coordinator_ID_assigned_to_existing_rendered_additional_statutory_qualification","researcher_record":{"Rendered additional qualification":"Public Law 115-174 also added 15 U.S.C. § 1681i(g), a specialized dispute process for veteran medical debt. Under that provision, a veteran may submit specified VA notices or documentation establishing VA payment responsibility. The statute provides for deletion and notification when the CRA receives qualifying documentation.\n\nThis is distinct from the one-year and paid/settled exclusions in § 1681c(a)(7)–(8). It does not mean every veteran can demand deletion of any medical bill without the statutory evidence. govinfo.gov","Source / pinpoint":"D012-CR7-S005, Public Law115-174§302(b)(3),132Stat1333-1334; codified1681i(g)"},"coordinator_verification_status":"selected_enacted_text_checked_current_codified_chain_and_individual_documentation_held","coordinator_review":"[internal evidence reference]","classification_note":"No new finding generated; existing consequential paragraph assigned a unique scoped claim ID for traceability. Raw unchanged."}],"sources":[{"source_id":"D012-S025","urls":[],"researcher_record":{"ID":"D012-S025","Source, direct literal URL and pinpoint":"Cornerstone Credit Union League v. CFPB, E.D. Tex., No. 4:25-cv-00016-SDJ, Documents 52–53, July 11, 2025. Original record identified GovInfo but supplied no URL.","Version/status, access and limits":"Original July 2025 GovInfo visual-access assertion remains unverified. Court-filed copies were recovered separately through S-CR7-001/002."},"coordinator_verification_status":"original_govinfo_access_unverified_held","coordinator_check_evidence":"[internal evidence reference]","coordinator_checked_at":"2026-10-23T03:42:20.131134+00:00"},{"source_id":"D012-CR7-S001","urls":["https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.52.0_1.pdf"],"researcher_record":{"ID":"D012-CR7-S001","Source, direct literal URL and pinpoint":"Court Document 52, Memorandum Opinion and Order, 34 pages. https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.52.0_1.pdf — pp. 23–25, 30–34; especially p. 34, Part IV.","Version/status, access and limits":"Opened/read. July 11, 2025 district-court opinion, reproduced from the federal docket through CourtListener/RECAP. Not a GovInfo-hosted copy. \nstorage.courtlistener.com"},"coordinator_verification_status":"researcher_or_discovery_access_attributed_not_coordinator_verified_held","coordinator_check_evidence":"[internal evidence reference]","coordinator_checked_at":"2026-10-23T03:42:20.131134+00:00"},{"source_id":"D012-CR7-S002","urls":["https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.53.0.pdf"],"researcher_record":{"ID":"D012-CR7-S002","Source, direct literal URL and pinpoint":"Court Document 53, Final Judgment, 2 pages. https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.53.0.pdf — p. 1, numbered relief; p. 2, signature/disposition.","Version/status, access and limits":"Opened/read. July 11, 2025 final judgment; entire-rule vacatur, remand, remaining relief and case closure. Later appellate history not independently established. \nstorage.courtlistener.com"},"coordinator_verification_status":"selected_primary_or_official_passages_checked_remaining_history_current_policy_or_application_held","coordinator_check_evidence":"[internal evidence reference]","coordinator_checked_at":"2026-10-23T03:42:20.131134+00:00"},{"source_id":"D012-CR7-S003","urls":["https://www.consumerfinance.gov/rules-policy/final-rules/consumer-reporting-regulation-v/"],"researcher_record":{"ID":"D012-CR7-S003","Source, direct literal URL and pinpoint":"CFPB, Consumer Reporting (Regulation V). https://www.consumerfinance.gov/rules-policy/final-rules/consumer-reporting-regulation-v/ — introductory vacatur notice and “Final rules.”","Version/status, access and limits":"Opened/read. Official agency confirmation; last modified February 24, 2026. Reference-only designation for vacated rule materials. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"selected_primary_or_official_passages_checked_remaining_history_current_policy_or_application_held","coordinator_check_evidence":"[internal evidence reference]","coordinator_checked_at":"2026-10-23T03:42:20.131134+00:00"},{"source_id":"D012-S026","urls":["https://uscode.house.gov/us/usc/119-120/t15/s1681c/"],"researcher_record":{"ID":"D012-S026","Source, direct literal URL and pinpoint":"Congress/OLRC, 15 U.S.C. § 1681c. https://uscode.house.gov/us/usc/119-120/t15/s1681c/ — (a)(7)–(8), (b), statutory note for Public Law 115-174 § 302(c).","Version/status, access and limits":"Opened/read. Federal statute displayed through Public Law 119-120, October 7, 2026. The ordinary § 1681c(b) exceptions expressly concern (a)(1)–(5), not the veteran paragraphs (7)–(8). \nuscode.house.gov"},"coordinator_verification_status":"selected_primary_or_official_passages_checked_remaining_history_current_policy_or_application_held","coordinator_check_evidence":"[internal evidence reference]","coordinator_checked_at":"2026-10-23T03:42:20.131134+00:00"},{"source_id":"D012-CR7-S004","urls":["https://uscode.house.gov/us/usc/119-121/t15/s1681a/"],"researcher_record":{"ID":"D012-CR7-S004","Source, direct literal URL and pinpoint":"Congress/OLRC, 15 U.S.C. § 1681a. https://uscode.house.gov/us/usc/119-121/t15/s1681a/ — (p), (z), (aa).","Version/status, access and limits":"Opened/read. Definitions of nationwide CRA, veteran and veteran medical debt; text through Public Law 119-121, October 9, 2026. \nuscode.house.gov"},"coordinator_verification_status":"selected_primary_or_official_passages_checked_remaining_history_current_policy_or_application_held","coordinator_check_evidence":"[internal evidence reference]","coordinator_checked_at":"2026-10-23T03:42:20.131134+00:00"},{"source_id":"D012-CR7-S005","urls":["https://www.govinfo.gov/content/pkg/PLAW-115publ174/html/PLAW-115publ174.htm"],"researcher_record":{"ID":"D012-CR7-S005","Source, direct literal URL and pinpoint":"Congress/GPO, Public Law 115-174 (May 24, 2018), § 302(b)–(e). https://www.govinfo.gov/content/pkg/PLAW-115publ174/html/PLAW-115publ174.htm — 132 Stat. 1333–1335.","Version/status, access and limits":"Opened/read. Enacted federal statute; definition, reporting exclusions, verification-database provisions and effective-date framework. Current database operation not verified. \ngovinfo.gov"},"coordinator_verification_status":"selected_primary_or_official_passages_checked_remaining_history_current_policy_or_application_held","coordinator_check_evidence":"[internal evidence reference]","coordinator_checked_at":"2026-10-23T03:42:20.131134+00:00"},{"source_id":"D012-S036","urls":["https://www.consumerfinance.gov/data-research/research-reports/data-spotlight-early-impacts-of-removing-low-balance-medical-collections/"],"researcher_record":{"ID":"D012-S036","Source, direct literal URL and pinpoint":"CFPB, medical-collection reporting research. Recovered source: https://www.consumerfinance.gov/data-research/research-reports/data-spotlight-early-impacts-of-removing-low-balance-medical-collections/ — introductory paragraphs and “Data and Methodology.”","Version/status, access and limits":"Opened/read. May 16, 2024 research documenting historical practices. Does not establish current individual-bureau policies. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"selected_primary_or_official_passages_checked_remaining_history_current_policy_or_application_held","coordinator_check_evidence":"[internal evidence reference]","coordinator_checked_at":"2026-10-23T03:42:20.131134+00:00"},{"source_id":"D012-CR7-S006","urls":["https://www.consumerfinance.gov/archive/blog/medical-debt-anything-already-paid-or-under-500-should-no-longer-be-on-your-credit-report/"],"researcher_record":{"ID":"D012-CR7-S006","Source, direct literal URL and pinpoint":"CFPB, Have medical debt? Anything already paid or under $500 should no longer be on your credit report. https://www.consumerfinance.gov/archive/blog/medical-debt-anything-already-paid-or-under-500-should-no-longer-be-on-your-credit-report/ — paragraphs 3–6, “Check your credit report.”","Version/status, access and limits":"Opened/read. Published May 8, 2023; modified June 25, 2026. Archived consumer guidance, not an enacted reporting mandate or verified current bureau contract. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"researcher_or_discovery_access_attributed_not_coordinator_verified_held","coordinator_check_evidence":"[internal evidence reference]","coordinator_checked_at":"2026-10-23T03:42:20.131134+00:00"},{"source_id":"D012-CR7-S007","urls":["https://www.consumerfinance.gov/data-research/research-reports/recent-changes-in-medical-collections-on-consumer-credit-records/"],"researcher_record":{"ID":"D012-CR7-S007","Source, direct literal URL and pinpoint":"CFPB, Recent Changes in Medical Collections on Consumer Credit Records. https://www.consumerfinance.gov/data-research/research-reports/recent-changes-in-medical-collections-on-consumer-credit-records/ — introduction and reported 2022–2023 changes.","Version/status, access and limits":"Located in CFPB search results; discovery-supported, not separately opened in this pass. Historical corroboration only. \nConsumer Financial Protection Bureau"},"coordinator_verification_status":"researcher_or_discovery_access_attributed_not_coordinator_verified_held","coordinator_check_evidence":"[internal evidence reference]","coordinator_checked_at":"2026-10-23T03:42:20.131134+00:00"}],"coverage":[{"topic":"July 11, 2025 vacatur","researcher_record":{"Subtopic":"July 11, 2025 vacatur","Status":"Answered","Claim/source references":"C029; S025, CR7-S001–003","Missing evidence or next action":"None for district-court disposition"},"coordinator_acceptance":"selected_federal_and_historical_scope_checked_current_bureau_history_state_or_individual_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Separate final judgment","researcher_record":{"Subtopic":"Separate final judgment","Status":"Answered","Claim/source references":"C029; CR7-S002","Missing evidence or next action":"Complete later docket history"},"coordinator_acceptance":"selected_federal_and_historical_scope_checked_current_bureau_history_state_or_individual_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Original GovInfo visual-access assertion","researcher_record":{"Subtopic":"Original GovInfo visual-access assertion","Status":"Unverified","Claim/source references":"S025","Missing evidence or next action":"Recover actual original URL or retain historical assertion only"},"coordinator_acceptance":"selected_federal_and_historical_scope_checked_current_bureau_history_state_or_individual_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"CFPB current rule characterization","researcher_record":{"Subtopic":"CFPB current rule characterization","Status":"Answered at checked date","Claim/source references":"C029; CR7-S003","Missing evidence or next action":"Recheck before later publication"},"coordinator_acceptance":"selected_federal_and_historical_scope_checked_current_bureau_history_state_or_individual_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Appeal or subsequent litigation","researcher_record":{"Subtopic":"Appeal or subsequent litigation","Status":"Partial","Claim/source references":"C029","Missing evidence or next action":"Official appellate/docket history after judgment"},"coordinator_acceptance":"selected_federal_and_historical_scope_checked_current_bureau_history_state_or_individual_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"FCRA veteran one-year exclusion","researcher_record":{"Subtopic":"FCRA veteran one-year exclusion","Status":"Answered — statutory text","Claim/source references":"C030; S026","Missing evidence or next action":"Actual case classification and agency knowledge"},"coordinator_acceptance":"selected_federal_and_historical_scope_checked_current_bureau_history_state_or_individual_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Paid/settled veteran exclusion","researcher_record":{"Subtopic":"Paid/settled veteran exclusion","Status":"Answered — statutory text","Claim/source references":"C030; S026","Missing evidence or next action":"Qualifying status and documentation"},"coordinator_acceptance":"selected_federal_and_historical_scope_checked_current_bureau_history_state_or_individual_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Veteran medical-debt definition","researcher_record":{"Subtopic":"Veteran medical-debt definition","Status":"Answered — statutory text","Claim/source references":"C030; CR7-S004","Missing evidence or next action":"VA authorization/payment records in individual cases"},"coordinator_acceptance":"selected_federal_and_historical_scope_checked_current_bureau_history_state_or_individual_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Nationwide CRA limitation","researcher_record":{"Subtopic":"Nationwide CRA limitation","Status":"Answered — statutory text","Claim/source references":"C030; CR7-S004","Missing evidence or next action":"Confirm entity status where disputed"},"coordinator_acceptance":"selected_federal_and_historical_scope_checked_current_bureau_history_state_or_individual_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"VA verification database","researcher_record":{"Subtopic":"VA verification database","Status":"Partial","Claim/source references":"C030; CR7-S005","Missing evidence or next action":"Actual operational status and compliance"},"coordinator_acceptance":"selected_federal_and_historical_scope_checked_current_bureau_history_state_or_individual_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Veteran dispute/deletion procedure","researcher_record":{"Subtopic":"Veteran dispute/deletion procedure","Status":"Answered — statutory framework","Claim/source references":"C030; CR7-S005","Missing evidence or next action":"Individual notice and evidence"},"coordinator_acceptance":"selected_federal_and_historical_scope_checked_current_bureau_history_state_or_individual_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Historical paid-collection removal","researcher_record":{"Subtopic":"Historical paid-collection removal","Status":"Answered — historical","Claim/source references":"C042; S036, CR7-S006","Missing evidence or next action":"Current bureau-specific text"},"coordinator_acceptance":"selected_federal_and_historical_scope_checked_current_bureau_history_state_or_individual_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Historical one-year delay","researcher_record":{"Subtopic":"Historical one-year delay","Status":"Answered — historical","Claim/source references":"C042; S036","Missing evidence or next action":"Current bureau-specific text"},"coordinator_acceptance":"selected_federal_and_historical_scope_checked_current_bureau_history_state_or_individual_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Historical under-$500 removal","researcher_record":{"Subtopic":"Historical under-$500 removal","Status":"Answered — historical","Claim/source references":"C042; S036","Missing evidence or next action":"Current initial-balance treatment"},"coordinator_acceptance":"selected_federal_and_historical_scope_checked_current_bureau_history_state_or_individual_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Equifax current policy","researcher_record":{"Subtopic":"Equifax current policy","Status":"Unresolved","Claim/source references":"C042","Missing evidence or next action":"Read actual current Equifax terms"},"coordinator_acceptance":"selected_federal_and_historical_scope_checked_current_bureau_history_state_or_individual_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Experian current policy","researcher_record":{"Subtopic":"Experian current policy","Status":"Unresolved","Claim/source references":"C042","Missing evidence or next action":"Read actual current Experian terms"},"coordinator_acceptance":"selected_federal_and_historical_scope_checked_current_bureau_history_state_or_individual_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"TransUnion current policy","researcher_record":{"Subtopic":"TransUnion current policy","Status":"Unresolved","Claim/source references":"C042","Missing evidence or next action":"Read actual current TransUnion terms"},"coordinator_acceptance":"selected_federal_and_historical_scope_checked_current_bureau_history_state_or_individual_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"State medical-debt reporting laws","researcher_record":{"Subtopic":"State medical-debt reporting laws","Status":"Outside scope / held","Claim/source references":"C029, C042","Missing evidence or next action":"Separate state assignments"},"coordinator_acceptance":"selected_federal_and_historical_scope_checked_current_bureau_history_state_or_individual_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Credit-score effects","researcher_record":{"Subtopic":"Credit-score effects","Status":"Not established individually","Claim/source references":"C042; S036","Missing evidence or next action":"No guaranteed score changes"},"coordinator_acceptance":"selected_federal_and_historical_scope_checked_current_bureau_history_state_or_individual_holds_remain","coordinator_review":"[internal evidence reference]"},{"topic":"Debt validity versus reporting","researcher_record":{"Subtopic":"Debt validity versus reporting","Status":"Answered conceptually","Claim/source references":"C029–C042","Missing evidence or next action":"Specific underlying bill and reporting facts"},"coordinator_acceptance":"selected_federal_and_historical_scope_checked_current_bureau_history_state_or_individual_holds_remain","coordinator_review":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[]}