{"meta":{"key":"s_ks--pass-11","task":"S_KS","title":"Kansas ordinary consumer-debt credit reporting, furnishing, and dispute overlays","parent_title":"Kansas debt and debt relief law","edition":"pass-11","path":"/research/s_ks--pass-11/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":9,"claims":62,"sources":13,"review_status":"revise","review_complete":true,"sha256":"c55b00464f09a74df17f49d3be6bc942ec1cb6a6a2a94e7666ae4113ccfe3dea","headings":["Kansas ordinary consumer-debt credit reporting, furnishing, and dispute overlays","A1. Kansas actor and duty matrix","A2. Kansas file access","A3. Kansas CRA dispute procedure","A4. Kansas obsolete-information rules","A5. Kansas security freezes","A6. Kansas enforcement and regulatory status","B1. CRA file access","B2. CRA dispute workflow","Trigger","CRA duties","Unresolved disputes","No collection pause","B3. Reinsertion","B4. General furnisher accuracy and updating duties","B5. Furnisher duties after CRA notice","B6. Direct furnisher disputes","Covered subjects","Exclusions","Address and content","Investigation and response","Frivolous or irrelevant direct disputes","B7. Furnisher accuracy-and-integrity policies","C1. Date of first delinquency","C2. Ordinary collection and charge-off clock","C3. Paid and settled accounts","C4. Sale, assignment, and duplicate reporting","C5. Original creditor and current owner information","C6. Negative-information notice","D1. Preemption","D2. CFPB interpretations and vacatur","G1. CRA dispute timeline","G2. Direct furnisher dispute","G3. CRA dispute versus FDCPA validation","G4. Paid settlement without automatic deletion","G5. Sold collection and federal reporting clock","G6. Reinsertion","G7. Incomplete direct dispute","G8. Transfer and possible duplicate reporting","G9. Kansas CRA dispute layered with federal timing","Actually read or inspected in PASS-11","Preserved but not adopted","Not read, obtained, or established","Method limits","PASS-11 conclusion"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-5.6 Sol","actual_mode":"Pro","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_KS/pass-11","facets":{"geography":["us","us-ks"],"debt_type":[],"stage":[],"subject":["credit-reporting"]},"scope":"Distinct ordinary consumer-debt reporting/furnishing/CRA-directdispute registryitem2 component; P10must finish/capture, no unreviewed prior legal premise","pending_corrections":4},"markdown":"# SettleADebt.com — S_KS, PASS-11\n\n## Kansas ordinary consumer-debt credit reporting, furnishing, and dispute overlays\n\n**Fresh research date:** October 26, 2026, Pacific (America/Los_Angeles) / October 26, 2026, UTC\n**Actual model:** GPT-5.6 Sol Pro\n**Review character:** Same-project continuation in this original authorized Chat; **not an independent review**\n**Component boundary:** Ordinary consumer-debt furnishing, consumer-report contents, file access, CRA and furnisher disputes, corrections, deletion and reinsertion, account-status changes, transfers, ordinary reporting-age rules, and the narrow federal debt-validation comparison needed to distinguish the available dispute channels.\n\nPASS-07 collector licensing/conduct, PASS-09 validation/documentation, and PASS-10 funds corrections remain saved but unreviewed and are not adopted as premises. This pass freshly read the operative Kansas credit-reporting provisions and the necessary federal authorities.\n\nDetailed medical-debt law, identity-theft restoration and blocking, specialty tenant/employment/insurance reports, mortgage and repossession reporting, public-record reporting, bankruptcy procedure, litigation proof, ordinary debt limitations and revival, and full damages and limitations analysis remain outside this pass.\n\n# Executive determination\n\nKansas has its own Fair Credit Reporting Act, K.S.A. 50-701 through 50-725. Its principal ordinary-debt provisions regulate **consumer reporting agencies and report users**: permissible purposes, obsolete information, maximum possible accuracy, file access, CRA reinvestigation, deletion of inaccurate or unverifiable information, consumer dispute statements, prior-recipient notices, adverse-action notices, and security freezes. Kansas “consumer” means an individual; its “consumer reporting agency” definition requires the regular assembly or evaluation of consumer information for third-party reports and use of interstate-commerce facilities. The Act does not expressly limit “consumer” to Kansas residents, so application to a remote CRA or out-of-state activity still requires an ordinary jurisdiction and choice-of-law analysis rather than a statutory resident test. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0002_section/050_007_0002_k/?utm_source=chatgpt.com))\n\nKansas does **not** appear to have enacted a comprehensive state direct-dispute or furnishing code for original creditors, collectors, debt buyers, and servicers comparable to 15 U.S.C. §1681s-2 and Regulation V. The complete Kansas Article 7 structure reviewed here focuses primarily on CRAs and report users. A bounded search of the official Kansas regulation catalog found Article 7 labeled “not in active use,” and no pertinent current OSBC administrative interpretation was located. That is a documented search result, not proof that no unpublished order, sector rule, contract requirement, or differently indexed authority exists. ([Kansas Secretary of State](https://rules.ks.gov/browse/collections/0ae1e448-f5a1-4e09-9d6d-a488ac7c284a/sections/619795f4-baaa-4f0c-8e5e-cf569f42d70d?utm_source=chatgpt.com))\n\nThe federal layer consequently supplies most ordinary-debt furnisher duties:\n\n- Do not furnish information known or reasonably believed to be inaccurate.\n- Promptly correct or supplement information later determined incomplete or inaccurate.\n- Report that information is disputed when a consumer disputes it directly to the furnisher.\n- Report the date of first delinquency that immediately preceded collection, charge-off, or similar action.\n- Maintain reasonable accuracy-and-integrity policies.\n- Investigate qualifying direct disputes.\n- After receiving a dispute from a CRA, investigate, review all relevant information, report results, and modify, delete, or block inaccurate, incomplete, or unverifiable information. ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com))\n\nThree different dispute channels must remain separate:\n\n| Channel | Recipient | Principal trigger | Main consequence |\n| --- | --- | --- | --- |\n| **CRA file dispute** | Consumer reporting agency | Consumer disputes completeness or accuracy to CRA | CRA reinvestigation; CRA sends furnisher notice; correction, deletion, modification, or reinsertion rules |\n| **Direct furnisher dispute** | Creditor, collector, debt buyer, or servicer that actually furnished | Consumer sends qualifying notice to the proper furnisher address with required detail | Furnisher investigates and reports results to consumer; corrects CRAs if it finds the information inaccurate |\n| **FDCPA validation dispute** | Covered federal debt collector | Timely written dispute during the federal validation period | Collection of the disputed debt or portion pauses until verification or judgment copy is sent |\n\nA CRA dispute is not an FDCPA validation request. A direct furnisher dispute is not an automatic collection cease request. An FDCPA dispute does not automatically cause credit-report deletion. None of the three routes creates a universal obligation to produce the original signed contract, extinguishes the debt if documents are not produced, or guarantees removal or a credit-score increase. ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681i/?utm_source=chatgpt.com)) ([eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com)) ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1692g/?utm_source=chatgpt.com))\n\nFor ordinary collection accounts and charge-offs, the federal reporting-age period begins after expiration of 180 days from the commencement of the delinquency that immediately preceded collection, charge-off, or similar action. Sale, placement with a collector, a later payment, or settlement does not create a new date of first delinquency. Kansas’s older statute says collection and charge-off accounts more than seven years old may not be reported, but supplies no 180-day formula. Federal law therefore supplies the operative detailed clock for an FCRA-covered report; Kansas’s old seven-year wording cannot be used to extend reporting beyond federal law. ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681c/?utm_source=chatgpt.com)) ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com))\n\nPayment or settlement does not itself require deletion. It requires accurate updating. Where a settlement fully discharges the remaining balance, continuing to report a currently due balance would ordinarily conflict with federal accuracy and current-status duties. The account may nevertheless continue to appear, accurately identified as paid, settled, or otherwise resolved, until the applicable reporting period expires unless the furnisher or CRA voluntarily deletes it. No statute reviewed guarantees “pay for delete” or score improvement. ([eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/appendix-Appendix%20E%20to%20Part%201022?utm_source=chatgpt.com))\n\nFederal preemption is material. Section 1681t(b)(1)(F) broadly preempts state requirements concerning furnisher responsibilities under §1681s-2, and Kansas is not one of the two listed state exceptions. By contrast, the dispute-timing and report-content preemption clauses preserve state laws that were already in effect on September 30, 1996; Kansas’s CRA provisions date to 1973–1974. The exact interaction remains claim-specific: the grandfather provisions protect old state enactments from categorical subject-matter preemption, but general inconsistency preemption still applies. The CFPB’s October 28, 2025 preemption interpretation favors a broad reading but expressly is an interpretive rule rather than binding law; courts remain controlling. ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681t/?utm_source=chatgpt.com)) ([Federal Register](https://www.federalregister.gov/documents/2025/10/28/2025-19671/fair-credit-reporting-act-preemption-of-state-laws))\n\n# A. Kansas-specific credit-reporting layer\n\n## A1. Kansas actor and duty matrix\n\n| Actor | Kansas Article 7 status | State duties material to ordinary debt reporting | Important qualification |\n| --- | --- | --- | --- |\n| **Consumer reporting agency** | Covered if it regularly assembles or evaluates consumer information for third-party reports and uses interstate-commerce facilities | Permissible purpose, obsolete-information limits, maximum possible accuracy, file disclosure, reinvestigation, deletion, dispute statements, prior-recipient notices, freeze duties | A company’s name or federal status is not dispositive; actual information business controls |\n| **Reseller** | Can meet the broad CRA definition; freeze section separately recognizes certain resellers | General Article 7 duties may apply; freeze exception applies to reseller that does not maintain its own permanent database, but it must honor freezes placed by source CRA | Federal reseller dispute duties differ and are not fully analyzed here |\n| **Original creditor furnishing its own experience** | Its report solely concerning its transactions or experience with the consumer is excluded from the Kansas “consumer report” definition when retained in that bilateral context | No comprehensive Kansas direct-furnisher dispute code located; federal furnisher rules may apply if it reports to a CRA | Once information is furnished to a CRA, federal furnisher obligations can apply |\n| **Collector or debt buyer furnishing information** | Does not become a Kansas CRA merely by furnishing; can become a CRA only if its actual business satisfies the definition | Federal furnisher rules generally control; Kansas CRA rules apply only if it separately acts as a CRA | Collector licensing does not authorize furnishing or prove accuracy |\n| **Servicer furnishing account information** | Same furnisher analysis | Federal accuracy, update, dispute-notation, and investigation rules | Ownership is not necessary for furnisher status; actual furnishing is |\n| **User obtaining a consumer report for collection** | Kansas permits a CRA to furnish for review or collection of a consumer account | User must have a permissible purpose; adverse-action requirements may arise | Permissible purpose does not prove debt validity or ownership |\n| **Commercial-debt reporter** | Kansas “consumer report” purpose is tied primarily to personal, family, household credit or other listed permissible purposes | Ordinary corporate trade reporting may fall outside this component | Sole-proprietor and individual business-purpose edge cases require separate analysis |\n\nK.S.A. 50-703 expressly permits a CRA to furnish a consumer report for review or collection of the consumer’s account, but only where it has reason to believe the user has that permissible purpose. K.S.A. 50-706 requires reasonable procedures to verify users and purposes and maximum possible accuracy. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0003_section/050_007_0003_k/?utm_source=chatgpt.com)) ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0006_section/050_007_0006_k/?utm_source=chatgpt.com))\n\n## A2. Kansas file access\n\nUpon request and proper identification, a Kansas CRA must clearly and accurately disclose:\n\n- The nature and substance of all nonmedical information in the consumer’s file.\n- The sources of that information, subject to the investigative-report source qualification.\n- Report recipients for employment purposes during the preceding two years.\n- Report recipients for other purposes during the preceding six months. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0008_section/050_007_0008_k/?utm_source=chatgpt.com))\n\nKansas permits disclosure in person during normal business hours on reasonable notice or by telephone after written request and proper identification. The CRA must provide trained personnel and permit the consumer to be accompanied, subject to identification and possible reasonable nondisclosure requirements. These are state file-access rights against the CRA, not a right to compel the furnisher to produce its entire internal account file. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0009_section/050_007_0009_k/?utm_source=chatgpt.com))\n\nKansas’s free-file rule is narrower than the current federal annual-disclosure system. It provides free disclosure when the consumer requests within 30 days after specified Kansas adverse-action or affiliated-collection-agency notices; otherwise the CRA may impose a disclosed reasonable charge, while deletion notifications remain free. Federal law separately supplies broader free annual and adverse-action disclosure rights. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0011_section/050_007_0011_k/?utm_source=chatgpt.com)) ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681j/?utm_source=chatgpt.com))\n\n## A3. Kansas CRA dispute procedure\n\nA Kansas consumer can convey a completeness or accuracy dispute directly to the CRA. The CRA must reinvestigate and record the current status within a “reasonable period,” unless it has reasonable grounds to find the dispute frivolous or irrelevant. Contradictory information in the file is not, by itself, enough to deem the dispute frivolous. If the information is inaccurate or can no longer be verified, the CRA must promptly delete it. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0010_section/050_007_0010_k/?utm_source=chatgpt.com))\n\nKansas does not specify a fixed state 30-day period, a five-business-day furnisher-notice period, or a 15-day extension. A federally covered CRA must also comply with §1681i’s more detailed 30-day structure. The Kansas phrase “reasonable period” is not permission to exceed an applicable federal deadline.\n\nIf reinvestigation does not resolve the dispute:\n\n- The consumer may submit a statement of up to 100 words.\n- The CRA must assist in preparing a clear summary.\n- Later consumer reports containing the information must clearly note that it is disputed and include the statement or a clear and accurate summary.\n- On request, the CRA must send notice of deletion or the dispute statement to designated prior recipients who received an employment report during the preceding two years or another report during the preceding six months. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0010_section/050_007_0010_k/?utm_source=chatgpt.com))\n\nKansas’s Article 7 does not supply a parallel detailed direct-dispute process against the furnisher. That process comes primarily from federal law.\n\n## A4. Kansas obsolete-information rules\n\nFor ordinary consumer reports, K.S.A. 50-704 generally prohibits:\n\n- Collection accounts or accounts charged to profit and loss that predate the report by more than seven years.\n- Other adverse information older than seven years.\n- Suits and judgments older than seven years or the applicable limitation period, whichever is longer.\n- Bankruptcies older than 14 years. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0004_section/050_007_0004_k/?utm_source=chatgpt.com))\n\nKansas’s stated exceptions apply to reports used for:\n\n- Credit transactions of at least $50,000.\n- Life insurance of at least $50,000.\n- Employment expected to pay at least $20,000 annually.\n\nThose figures reflect the old Kansas statute and have not been indexed in the section. The federal exceptions use different current thresholds. Where federal law is more restrictive, the Kansas exception does not authorize an FCRA-covered CRA to disregard federal limits.\n\nThe state statute does not define a “date of first delinquency” or add 180 days. The federal formula governs that detailed ordinary collection-account clock.\n\n## A5. Kansas security freezes\n\nKansas permits a consumer to request a security freeze by mail, secure website, or telephone where the CRA lacks a secure website. The CRA generally must:\n\n- Place the freeze within five business days after request and proper identification.\n- Provide the consumer’s PIN or comparable device within ten business days.\n- Temporarily lift a postal-request freeze within three business days.\n- Temporarily lift an eligible electronic request within 15 minutes when received from 6:00 a.m. to 9:30 p.m. Central, subject to enumerated exceptions.\n- Remove the freeze within three business days after a valid removal request.\n- Charge no fee for placement, lifting, removal, or replacement of the PIN. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0023_section/050_007_0023_k/?utm_source=chatgpt.com))\n\nA security freeze is **not** an ordinary account dispute or deletion request. Kansas expressly exempts from the freeze:\n\n- A private collection agency accessing the report solely to assist collection of an existing debt.\n- A creditor, affiliate, agent, assignee, or prospective assignee reviewing or collecting an existing account or financial obligation.\n- Several other specified users and services. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0023_section/050_007_0023_k/?utm_source=chatgpt.com))\n\nThus, a freeze does not necessarily prevent collection-related access to an existing account and does not require a collection tradeline to be deleted. Fraud alerts, identity-theft blocks, and protected-consumer freezes are separate identity-theft-focused procedures reserved for later work.\n\n## A6. Kansas enforcement and regulatory status\n\nK.S.A. 50-721 authorizes the consumer credit commissioner to enforce K.S.A. 50-701 through 50-720 and to adopt rules. Its wording does not include the later freeze provisions beginning at 50-723. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0021_section/050_007_0021_k/?utm_source=chatgpt.com))\n\nThe Kansas Secretary of State’s current rule catalog lists Article 7, “Fair Credit Reporting Act,” as “not in active use.” The direct resource route was not usable during this session, and no operative Article 7 regulation was retrieved. No pertinent current OSBC administrative interpretation concerning ordinary furnisher disputes, paid or settled debt reporting, transfer reporting, or deletion was located in the official compilation’s bounded search. These access and search results do not establish that no unpublished enforcement view or another sector-specific rule exists. ([Kansas Secretary of State](https://rules.ks.gov/browse/collections/0ae1e448-f5a1-4e09-9d6d-a488ac7c284a/sections/619795f4-baaa-4f0c-8e5e-cf569f42d70d?utm_source=chatgpt.com))\n\n# B. Federal CRA and furnisher duties\n\n## B1. CRA file access\n\nUnder federal law, a CRA must, upon proper identification, disclose substantially all information in the consumer’s file, the sources, and report recipients during the statutory periods. The disclosure may be made in writing, in person, by telephone, electronically, or by another reasonable means, subject to identification and authorization requirements. Federal law separately provides free annual disclosures from nationwide CRAs and additional free disclosures after adverse action, suspected fraud, unemployment, public-assistance status, and other stated circumstances. ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681g/?utm_source=chatgpt.com)) ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681h/?utm_source=chatgpt.com)) ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681j/?utm_source=chatgpt.com))\n\nThese are rights against the CRA. They do not automatically require the creditor, collector, or debt buyer to provide the same complete file.\n\n## B2. CRA dispute workflow\n\n### Trigger\n\nThe consumer disputes an item’s completeness or accuracy directly to the CRA, or indirectly through a reseller.\n\n### CRA duties\n\nOrdinarily, the CRA must:\n\n1. Conduct a free reasonable reinvestigation and record the current status or delete the item within 30 days after receipt.\n2. Notify the furnisher within five business days and transmit all relevant consumer information.\n3. Review all relevant information submitted by the consumer.\n4. Delete or modify information found inaccurate, incomplete, or unverifiable.\n5. Notify the furnisher of deletion or modification.\n6. Send the consumer results within five business days after completion, including a revised report and required notices. ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681i/?utm_source=chatgpt.com))\n\nThe 30-day period may be extended by up to 15 days when the consumer supplies relevant additional information during the original period, except where the information is found inaccurate, incomplete, or unverifiable during the original 30 days.\n\nA CRA may terminate a dispute as frivolous or irrelevant, including for insufficient information, but must notify the consumer within five business days and identify the reasons and information needed.\n\n### Unresolved disputes\n\nIf the dispute remains unresolved, the consumer may add a statement of up to 100 words. Later reports must note the dispute and include the statement or summary. At the consumer’s request, the CRA must notify designated recipients who received an employment report during the prior two years or another report during the prior six months. ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681i/?utm_source=chatgpt.com))\n\n### No collection pause\n\nThe FCRA CRA dispute process regulates reporting. It does not itself impose a general collection halt. A separate FDCPA validation dispute may pause collection if its independent actor, debt, timing, and written-request predicates are met.\n\n## B3. Reinsertion\n\nInformation deleted after CRA reinvestigation may be reinserted only when the furnisher certifies it is complete and accurate. The CRA must:\n\n- Notify the consumer in writing within five business days after reinsertion.\n- Identify the furnisher and its contact information where reasonably available.\n- Notify the consumer of the right to add a dispute statement.\n- Maintain reasonable procedures to prevent deleted information from reappearing except through compliant reinsertion. ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681i/?utm_source=chatgpt.com))\n\nDeletion is therefore not necessarily permanent, but silent reinsertion is not permitted.\n\n## B4. General furnisher accuracy and updating duties\n\nA person may not furnish information it knows or has reasonable cause to believe is inaccurate. If the consumer has notified the furnisher at the designated address and the information is in fact inaccurate, the furnisher may not continue reporting it. “Reasonable cause” requires specific knowledge beyond the consumer’s unsupported allegation that would cause a reasonable person substantial doubt. ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com))\n\nA regular furnisher that determines previously supplied information is incomplete or inaccurate must:\n\n- Promptly notify the CRA.\n- Supply corrections or additional information needed to make it complete and accurate.\n- Stop refurnishing information that remains incomplete or inaccurate.\n\nIf the consumer disputes information directly to the furnisher, later furnishing must disclose that the information is disputed. A regular furnisher must also report a consumer’s voluntary account closure when supplying the applicable account update. ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com))\n\nThese subsection (a) duties are generally enforced by government officials rather than through the FCRA’s ordinary private damages sections. A consumer’s private federal furnisher claim ordinarily arises under subsection (b) after a CRA sends the dispute to the furnisher. ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com))\n\n## B5. Furnisher duties after CRA notice\n\nOnce the furnisher receives a dispute from the CRA under §1681i(a)(2), the furnisher must:\n\n- Investigate the disputed information.\n- Review all relevant information supplied by the CRA.\n- Report results to the CRA.\n- If incomplete or inaccurate, report results to every other nationwide CRA to which it supplied the information.\n- If inaccurate, incomplete, or unverifiable, modify, delete, or permanently block the item as appropriate.\n- Complete all duties before the CRA’s applicable reinvestigation period expires. ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com))\n\nThe Tenth Circuit now requires a consumer pursuing an unreasonable-investigation claim under this route to make a prima facie showing that the reported information was in fact inaccurate or incomplete. The asserted inaccuracy must be objectively and readily verifiable; both factual and legal issues can qualify, but disputes requiring complex fact-finding, credibility determinations, quasi-discovery, or unsettled law generally do not. ([Tenth Circuit](https://www.ca10.uscourts.gov/sites/ca10/files/opinions/010111472436.pdf?utm_source=chatgpt.com))\n\n## B6. Direct furnisher disputes\n\n### Covered subjects\n\nA direct dispute can concern:\n\n- The consumer’s liability on the account.\n- Account type, principal balance, payment amount, or credit limit.\n- Payment status, high balance, payment date or amount, or opening and closing dates.\n- Other account information bearing on creditworthiness or related characteristics. ([eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com))\n\n### Exclusions\n\nThe regulation does not require the furnisher to use this direct-dispute procedure for:\n\n- Identifying information, except where tied to account liability.\n- Employer identity.\n- Inquiries.\n- Public-record information not supplied by the account furnisher.\n- Fraud alerts or active-duty alerts.\n- Information supplied to the CRA by another furnisher.\n- A dispute reasonably believed to have been submitted by or on a form from a credit-repair organization. ([eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com))\n\n### Address and content\n\nThe consumer must send the dispute to:\n\n- The furnisher address shown on the consumer report.\n- Another conspicuously designated dispute address, including an electronic address where the consumer agreed to electronic delivery.\n- Any business address if no dispute address has been specified.\n\nThe notice must identify the account and consumer, specify the disputed information and basis, and include supporting material reasonably required to substantiate the dispute. ([eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com))\n\n### Investigation and response\n\nThe furnisher must:\n\n- Conduct a reasonable investigation.\n- Review all relevant information supplied by the consumer.\n- Report results to the consumer within the same period that would govern a CRA reinvestigation.\n- If it finds the information inaccurate, notify every CRA to which it supplied the information and provide the correction. ([eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com))\n\nThe direct-dispute regulation does not state that a furnisher must delete information merely because it did not produce an original signed contract. Nor does it establish a general collection pause.\n\n### Frivolous or irrelevant direct disputes\n\nThe furnisher may decline investigation where:\n\n- The consumer supplied insufficient information.\n- The dispute is substantially the same as a previously investigated dispute and adds no new information.\n- A regulatory exception applies.\n\nThe furnisher must notify the consumer within five business days after that determination, state the reasons, and identify the information needed to investigate. ([eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com))\n\n## B7. Furnisher accuracy-and-integrity policies\n\nRegulation V requires a furnisher to establish and implement reasonable written policies and procedures appropriate to the nature, size, complexity, and scope of its furnishing activity, and to review and update them periodically. The furnisher must consider the federal Appendix E guidelines and incorporate them as appropriate. ([eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.42?utm_source=chatgpt.com))\n\nThe guidelines identify objectives such as:\n\n- Correctly identifying the consumer.\n- Accurately reflecting terms, liability, and performance.\n- Substantiating reporting through the furnisher’s records.\n- Using standardized and understandable data.\n- Updating the account’s current status.\n- Reporting transfers, sales, assignments, and cures accurately.\n- Retaining sufficient records to substantiate information subject to direct dispute.\n- Preventing duplicate reporting during portfolio transfers.\n- Correcting or deleting internal records and external reports where appropriate. ([eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/appendix-Appendix%20E%20to%20Part%201022?utm_source=chatgpt.com))\n\nAppendix E is guidance incorporated through the mandatory policy-and-procedure rule. Every illustrative guideline is not automatically an independent per-account strict-liability command.\n\n# C. Account status, transfer, and reporting-age rules\n\n## C1. Date of first delinquency\n\nA furnisher reporting an account placed for collection, charged off, or subjected to similar action must, within 90 days after furnishing, report the month and year of the delinquency that immediately preceded that action. ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com))\n\nA collector or purchaser must:\n\n1. Use the same delinquency date previously reported by the creditor, if available.\n2. Otherwise follow reasonable procedures to obtain the date from the creditor or another reliable source.\n3. If the date cannot reasonably be obtained, use reasonable procedures ensuring the reported date precedes placement, charge-off, or similar action.\n\nA later sale, assignment, collector placement, payment, or settlement does not create a new date of first delinquency.\n\n## C2. Ordinary collection and charge-off clock\n\nFor collection accounts and charge-offs, the federal seven-year period starts after expiration of the 180-day period beginning with the delinquency that immediately preceded collection or charge-off. The practical formula is:\n\nPlain text\n```\nD = date of first delinquency immediately preceding collection/charge-off\nA = D + 180 calendar days\nFederal reporting-age endpoint = A + 7 years\n```\n\nThis reporting clock is not:\n\n- The statute of limitations for filing suit.\n- A debt-validity determination.\n- A discharge of the debt.\n- A promise that every CRA will report through the last permissible day.\n- Reset by sale or payment.\n\nFederal exceptions can permit older information in certain high-value credit, life-insurance, or employment reports. Separate federal rules apply to bankruptcy and some public records. Those specialized categories remain outside the ordinary-debt clock analyzed here. ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681c/?utm_source=chatgpt.com))\n\n## C3. Paid and settled accounts\n\nNo ordinary Kansas or federal provision reviewed requires automatic deletion merely because a consumer pays or settles a debt.\n\nThe required result is **accuracy**:\n\n- A paid debt should not continue to show a currently due balance.\n- A settlement that fully discharges the remaining amount should be reflected consistently with that discharge.\n- A partial payment that does not discharge the remainder does not necessarily reduce the balance to zero.\n- The account’s dispute status must remain noted when required.\n- A furnisher cannot promise a score increase through statutory implication.\n\nA private deletion promise may create contractual issues, but its existence and enforceability require the actual agreement and are outside this pass.\n\n## C4. Sale, assignment, and duplicate reporting\n\nA sale or assignment does not require the original creditor’s tradeline to vanish. Both the original creditor and purchaser can sometimes report information concerning the same historical obligation if each entry is accurate, complete, nonduplicative in effect, and not materially misleading.\n\nCommon accuracy issues include:\n\n- Original creditor continuing to report a balance after sale without accurately reflecting transfer.\n- Buyer and seller both reporting the same current balance as owed to each.\n- A collector reporting a new delinquency date based on acquisition.\n- Duplicate entries overstating the number or amount of obligations.\n- Failure to mark a known dispute.\n- Failure to update a settlement or cure.\n\nRegulation V’s guidelines call for accurate transfer status and procedures to prevent duplicate reporting. Tenth Circuit authority also recognizes that factually true information can be actionable when reported so incompletely that it creates a materially misleading impression. ([eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/appendix-Appendix%20E%20to%20Part%201022?utm_source=chatgpt.com)) ([Tenth Circuit](https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019026661.pdf?utm_source=chatgpt.com))\n\nNo universal rule was found that permits exactly one tradeline per debt, requires deletion by the seller, or prohibits the purchaser from reporting a separate collection account. The actual consumer reports and furnishing records are essential.\n\n## C5. Original creditor and current owner information\n\nFederal file disclosure gives the consumer access to the information in the CRA’s file and its sources. Regulation V requires reporting to reflect account terms, liability, and current status accurately. It does not require every ordinary consumer report to display the complete chain of ownership or every intermediate owner.\n\nA misidentified owner or creditor can be materially inaccurate where it affects whom the consumer owes, who can collect, the balance, or the consumer’s legal responsibility. But ownership disputes requiring complex contract interpretation or credibility determinations may fall outside the “objectively and readily verifiable” inaccuracy standard recognized in *Ward*. ([Tenth Circuit](https://www.ca10.uscourts.gov/sites/ca10/files/opinions/010111472436.pdf?utm_source=chatgpt.com))\n\n## C6. Negative-information notice\n\nA financial institution that extends credit and regularly furnishes negative information to nationwide CRAs generally must notify its customer before, or within 30 days after, furnishing that negative information. One notice can cover later negative reporting on the same transaction, and use of the model disclosure is optional. Providing the notice does not require the institution to furnish. This is not a universal notice duty for every collector or nonfinancial furnisher. ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com))\n\n# D. State-federal relationship and current rule status\n\n## D1. Preemption\n\n| Subject | Federal provision | Kansas result |\n| --- | --- | --- |\n| CRA dispute-action timing | §1681t(b)(1)(B) | State laws in effect September 30, 1996 are excepted; Kansas’s 1974 provision is not categorically displaced by this clause |\n| Information contained in reports | §1681t(b)(1)(E) | Same pre-1996 exception potentially protects Kansas’s old content limits |\n| Furnisher responsibilities | §1681t(b)(1)(F) | Broad state-law preemption; listed exceptions are Massachusetts and California, not Kansas |\n| General inconsistency | §1681t(a) | State law remains applicable except to extent inconsistent |\n| Freeze subjects | §1681t(b)(1)(J) and related provisions | Federal preemption analysis is section-specific; Kansas’s freeze law remains on the books |\n\nThe grandfather exceptions do not mean every possible Kansas claim survives. The exact claim, defendant, duty, enactment date, and requested remedy matter.\n\n## D2. CFPB interpretations and vacatur\n\nThe CFPB’s October 28, 2025 interpretive rule states that FCRA preemption should be read broadly, including for state furnisher regulation. It replaced the CFPB’s July 2022 interpretation, which the Bureau withdrew effective May 12, 2025. The 2025 document expressly is an interpretive rule and does not carry the force of a controlling judicial decision. ([Federal Register](https://www.federalregister.gov/documents/2025/10/28/2025-19671/fair-credit-reporting-act-preemption-of-state-laws)) ([Federal Register](https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal))\n\nThe CFPB’s 2025 medical-debt rule was vacated on July 11, 2025, and the Bureau’s current page says its related materials are for reference only. It is not used here as operative authority. Detailed medical-debt reporting remains excluded from PASS-11. ([Consumer Financial Protection Bureau](https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/fair-credit-reporting-act/?utm_source=chatgpt.com))\n\n# E. Material cases\n\n| Authority | Court and posture | Holding material to PASS-11 | Limits |\n| --- | --- | --- | --- |\n| **Peasley v. TeleCheck of Kansas, Inc.** | Published Kansas Court of Appeals, 1981; summary judgment for TeleCheck reversed and remanded | A check-guarantee and reporting service was a Kansas and federal CRA; accuracy, permissible-purpose, and dispute procedures applied | No final merits judgment; old factual setting; official Kansas PDF not obtained |\n| **Ward v. National Credit Systems, Inc.** | Published Tenth Circuit, July 20, 2026; post-trial Rule 50(b) judgment reversed, verdict vacated, judgment directed for furnisher | CRA dispute, actual inaccuracy or incompleteness, unreasonable investigation, injury, and causation are prima facie elements; asserted error must be objectively and readily verifiable | Identity-theft facts are outside this pass; not every legal issue is categorically excluded |\n| **Llewellyn v. Allstate Home Loans, Inc.** | Published Tenth Circuit, 2013; furnisher summary judgment reversed in relevant part | Reporting can be materially misleading through omission, including omission of known dispute; furnisher duties must finish within CRA’s deadline, not 30 days after its own investigation | No final liability determination on remanded claims |\n| **Maiteki v. Marten Transportation** | Published Tenth Circuit, 2016; summary judgment for furnisher affirmed | Reasonable investigation is what a reasonably prudent person would undertake; scope turns on information supplied by CRA; vague information can justify a narrower investigation | Employment-report facts; specialty reporting otherwise excluded |\n| **Henson v. Santander Consumer USA Inc.** | U.S. Supreme Court, 2017 | Debt buyer collecting debt it owns is not covered by FDCPA’s “owed another” prong merely because debt was previously owed another | Principal-purpose debt-collector branch was expressly not decided |\n\n*Peasley* held that TeleCheck’s merchant-facing check-guarantee service constituted consumer reporting and that TeleCheck was a CRA; it identified Kansas duties of maximum possible accuracy, dispute handling, and permissible-purpose controls. The court reversed summary judgment because factual issues remained. ([Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/1981/52-612-7.html?utm_source=chatgpt.com))\n\n*Ward* is the most current Tenth Circuit furnisher authority located. It requires an actual inaccurate or incomplete report before investigation reasonableness matters and adopts the objectively-and-readily-verifiable standard. Complex unresolved contractual or credibility disputes are not transformed into reportable inaccuracies merely because the consumer asserts them. ([Tenth Circuit](https://www.ca10.uscourts.gov/sites/ca10/files/opinions/010111472436.pdf?utm_source=chatgpt.com))\n\n*Llewellyn* confirms that literal truth is insufficient where omission creates a materially misleading impression. It also holds that the furnisher must complete its duties by the CRA’s statutory deadline. ([Tenth Circuit](https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019026661.pdf?utm_source=chatgpt.com))\n\n*Maiteki* makes the dispute information important: the more specific and substantiated the CRA notice, the more investigation may be reasonable; a vague or cursory transmission can support a narrower review. ([Tenth Circuit](https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019656034.pdf?utm_source=chatgpt.com))\n\n# F. Operational actor-trigger-channel matrix\n\n| Workflow | Recipient and channel | Trigger/content | Deadline | Result | No automatic result |\n| --- | --- | --- | --- | --- | --- |\n| **Kansas CRA dispute** | Directly to Kansas CRA | Dispute completeness or accuracy | “Reasonable period” under state law; federal 30-day structure may also apply | Reinvestigate; delete inaccurate or unverifiable item; statement if unresolved | No collection pause |\n| **Federal CRA dispute** | CRA or reseller | Identify disputed item and supporting information | 30 days from CRA receipt; possible 15-day extension | CRA notifies furnisher, reinvestigates, corrects/deletes/modifies, sends results | No original-contract guarantee; no collection pause |\n| **Direct furnisher dispute** | Proper furnisher dispute address or qualifying electronic channel | Account identification, specific disputed information, basis, support | Same period as CRA would have | Furnisher investigates, reports result to consumer, corrects CRAs if inaccurate | No general collection halt; no automatic deletion if merely unsupported |\n| **CRA-to-furnisher dispute** | CRA transmits to furnisher | All relevant information received from consumer | CRA notice within 5 business days; furnisher completes by CRA deadline | Furnisher investigates and reports; modifies/deletes/blocks inaccurate, incomplete, unverifiable item | No private subsection (a) claim merely because consumer first wrote directly |\n| **FDCPA validation dispute** | Covered debt collector; timely written route | Dispute during validation period | Federal validation period | Collection of disputed debt or portion pauses until verification or judgment copy | Does not automatically change CRA tradeline |\n| **Direct furnisher frivolous determination** | Furnisher to consumer | Insufficient information, repetitive dispute with no new matter, or excluded subject | Notice within 5 business days after determination | States reasons and missing information | Does not adjudicate debt validity |\n| **CRA frivolous determination** | CRA to consumer | Insufficient or irrelevant dispute | Notice within 5 business days after determination | States reasons and needed information | No automatic permanent bar to a later supported dispute |\n| **Correction after CRA dispute** | Furnisher and CRA | Inaccurate, incomplete, or unverifiable item | Within applicable reinvestigation period | Modify, delete, or permanently block; notify other nationwide CRAs as required | No guaranteed score change |\n| **Reinsertion** | CRA | Furnisher certifies complete and accurate | Consumer notice within 5 business days after reinsertion | Information may reappear with notice and dispute rights | Silent reinsertion not permitted |\n| **Kansas freeze request** | CRA through permitted channel | Valid request and identification | 5 business days to place | Blocks many new-credit disclosures | Does not block stated existing-debt collection access |\n\n# G. Bounded examples\n\n## G1. CRA dispute timeline\n\n**Assumptions**\n\n- Consumer submits a qualifying dispute directly to a nationwide CRA.\n- CRA receives it on event date D0.\n- No annual-free-report 45-day variation is assumed.\n- Consumer supplies no additional relevant information during the first 30 days.\n\nPlain text\n```\nD0                         CRA receives dispute\nNo later than D0 + 5\nbusiness days              CRA notifies furnisher\nNo later than D0 + 30\ncalendar days              CRA completes reinvestigation\nNo later than 5 business\ndays after completion      CRA sends results and revised report\n```\n\nIf the consumer submits relevant additional information during the first 30 days, the CRA can receive up to 15 additional days unless it already found the item inaccurate, incomplete, or unverifiable during the original period.\n\nNo exact calendar date is supplied because no receipt date or holiday facts were given.\n\n## G2. Direct furnisher dispute\n\n**Hypothetical facts**\n\n- Report says balance is $4,800.\n- Consumer contends balance is $3,900 because a $900 payment was omitted.\n- Consumer sends the dispute to the furnisher’s designated address.\n- Notice identifies the account, disputed balance, reason, and includes a payment record.\n\nPlain text\n```\nReported balance                          $4,800\nClaimed omitted payment                     900\nClaimed corrected balance                 $3,900\n```\n\nThe arithmetic only identifies the dispute:\n\nPlain text\n```\n$4,800 − $900 = $3,900\n```\n\nThe furnisher must reasonably investigate and report results within the applicable federal period. The arithmetic does not establish that the payment was received, correctly allocated, final, unreversed, or legally applicable to that account.\n\nThere is no general FCRA collection pause solely because this direct dispute was submitted.\n\n## G3. CRA dispute versus FDCPA validation\n\n**Same debt; two possible workflows**\n\n| Fact | CRA dispute | FDCPA validation dispute |\n| --- | --- | --- |\n| Recipient | CRA | Covered debt collector |\n| Main complaint | Tradeline inaccurate or incomplete | Collector must verify debt or identify original creditor |\n| Timeliness | CRA reinvestigation framework | Written request during validation period |\n| Pause | Reporting reinvestigation; no general collection halt | Collection of disputed debt or portion pauses |\n| Response | CRA results; furnisher investigation through CRA | Verification, judgment copy, or original-creditor information |\n| Credit-report deletion | Only if CRA result requires correction/deletion | Not automatic |\n\nSending only an FDCPA validation request to a collector does not necessarily trigger CRA reinvestigation. Sending only a CRA dispute does not automatically invoke the FDCPA collection pause.\n\n## G4. Paid settlement without automatic deletion\n\n**Hypothetical facts**\n\n- Starting balance: $5,000.\n- Written settlement amount: $3,000.\n- Agreement states timely payment of $3,000 fully discharges the remaining $2,000.\n- Consumer pays $3,000 as agreed.\n\nPlain text\n```\nStarting balance                         $5,000\nSettlement payment                        3,000\nContractually discharged remainder        2,000\n                                         ------\nAccurate current amount due                  $0\n```\n\nThe accurate reporting question becomes the account’s paid or settled status and zero current balance. The statute does not require deletion merely because the account was settled. A contrary result could follow if the actual settlement did not discharge the remainder; the document controls.\n\nNo credit-score result is inferred.\n\n## G5. Sold collection and federal reporting clock\n\n**Hypothetical facts**\n\n- Date of first delinquency immediately preceding collection: January 15, 2020.\n- Account placed for collection later in 2020.\n- Debt sold to Buyer B in 2023.\n- Consumer settles in 2025.\n- Ordinary collection-account rule; no high-value exception.\n\n**Date arithmetic**\n\nPlain text\n```\nDate of first delinquency (D)        January 15, 2020\nD + 180 calendar days                July 13, 2020\nJuly 13, 2020 + 7 years              July 13, 2027\n```\n\nThe 2023 sale and 2025 settlement do not reset the January 15, 2020 delinquency. The federal reporting-age endpoint remains tied to that original delinquency formula.\n\nThe example does not decide whether the CRA will voluntarily suppress the item earlier or whether the actual date of first delinquency is correct.\n\n## G6. Reinsertion\n\n**Facts**\n\n- CRA deletes a collection account because it could not verify it.\n- Furnisher later certifies that the account information is complete and accurate.\n- CRA reinserts it.\n\n**Required sequence**\n\nPlain text\n```\n1. Furnisher certifies completeness and accuracy.\n2. CRA reinserts.\n3. CRA sends written reinsertion notice within 5 business days.\n4. Notice identifies furnisher and explains right to add dispute statement.\n5. CRA maintains procedures to prevent unauthorized reappearance.\n```\n\nWithout the certification and notice process, compliant reinsertion is not established.\n\n## G7. Incomplete direct dispute\n\n**Facts**\n\n- Consumer sends: “This is wrong. Remove it.”\n- No account number, disputed field, reason, report excerpt, or supporting information is provided.\n- Furnisher cannot identify which of several accounts is disputed.\n\nThe furnisher may reasonably determine the dispute is frivolous or irrelevant because the required information is missing. It must notify the consumer within five business days after making that determination and identify the additional information needed.\n\nA later submission identifying the account, disputed field, explanation, and supporting document is not necessarily “substantially the same” because it contains new material information.\n\n## G8. Transfer and possible duplicate reporting\n\n**Hypothetical facts**\n\n- Original creditor sells a $2,500 collection account to Buyer B.\n- Original creditor continues reporting a current balance of $2,500.\n- Buyer B also reports a current balance of $2,500.\n- Consumer now appears to owe $5,000 across two entries.\n\nPlain text\n```\nActual assumed obligation                $2,500\nTotal current balances displayed          5,000\nPotential overstatement                   2,500\n```\n\nThe issue is not that two entries necessarily are prohibited. It is whether the entries accurately show the transfer and avoid materially overstating current liability.\n\nActual tradelines, status codes, sale terms, and balance ownership are required before reaching a conclusion.\n\n## G9. Kansas CRA dispute layered with federal timing\n\n**Facts**\n\n- Kansas consumer directly disputes an item to a CRA.\n- Kansas law requires reinvestigation within a reasonable period.\n- The CRA is also subject to the federal FCRA.\n\n**Result**\n\nPlain text\n```\nKansas standard                Reasonable period\nFederal outer framework        Ordinarily 30 days from receipt\nPractical controlling limit    Must satisfy both\n```\n\nKansas’s open-ended wording does not enlarge the federal deadline. If Kansas independently required earlier action in a particular circumstance, the CRA would have to satisfy that state requirement to the extent it is not preempted or inconsistent.\n\n# H. Source register\n\n| Source ID | Title, issuer, and full direct literal URL | Exact text or page actually read | Version, access status, and limits |\n| --- | --- | --- | --- |\n| **S_KS-P11-S001** | Kansas Fair Credit Reporting Act, Kansas Revisor: https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0002_section/050_007_0002_k/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0003_section/050_007_0003_k/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0004_section/050_007_0004_k/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0006_section/050_007_0006_k/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0008_section/050_007_0008_k/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0009_section/050_007_0009_k/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0010_section/050_007_0010_k/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0011_section/050_007_0011_k/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0014_section/050_007_0014_k/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0015_section/050_007_0015_k/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0016_section/050_007_0016_k/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0017_section/050_007_0017_k/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0021_section/050_007_0021_k/ | Complete materially relevant definitions, permissible purposes, obsolete-information limits, accuracy procedures, file access, conditions of disclosure, CRA disputes, charges, adverse-action notice, limited remedies boundary, and enforcement authority | **Fresh Oct. 26, 2026 Pacific/UTC.** Official pages label themselves 2026 Kansas Statutes. Website update timestamps are operational data, not amendment or effective dates. Sections 50-702 through 50-721 primarily date to 1973–1974. Not a complete historical or remedy audit. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/?utm_source=chatgpt.com)) |\n| **S_KS-P11-S002** | Kansas security-freeze provisions: https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0023_section/050_007_0023_k/ https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0024_section/050_007_0024_k/ | Complete material §50-723(a)–(k) and §50-724 | **Fresh.** Current codified freeze text. Identity-theft remedies and protected-consumer freeze details excluded. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0023_section/050_007_0023_k/?utm_source=chatgpt.com)) |\n| **S_KS-P11-S003** | Kansas Secretary of State regulation catalog and OSBC interpretations: https://rules.ks.gov/browse/collections/0ae1e448-f5a1-4e09-9d6d-a488ac7c284a/sections/619795f4-baaa-4f0c-8e5e-cf569f42d70d https://osbckansas.gov/legal/administrative_interpretations_2026.pdf https://osbckansas.gov/legal/guidance_2026.pdf | Official search result labels Article 7 “not in active use.” Bounded compilation searches for credit reporting, furnishing, paid or settled accounts, CRA disputes, and deletion found no pertinent interpretation | **Fresh bounded search.** Direct rules resource produced an access/internal error in this session. No-match is not proof no unpublished or differently indexed authority exists. No PDF page is relied on for a substantive reporting rule. ([Kansas Secretary of State](https://rules.ks.gov/browse/collections/0ae1e448-f5a1-4e09-9d6d-a488ac7c284a/sections/619795f4-baaa-4f0c-8e5e-cf569f42d70d?utm_source=chatgpt.com)) |\n| **S_KS-P11-S004** | *Peasley v. TeleCheck of Kansas, Inc.*, Kansas Court of Appeals: https://law.justia.com/cases/kansas/court-of-appeals/1981/52-612-7.html | 6 Kan. App. 2d 990, 637 P.2d 437; CRA classification and duties at reported pages 997–998; summary-judgment posture throughout opinion | **Fresh selected read.** Published Kansas Court of Appeals, decided Dec. 3, 1981. Public opinion reproduction; official Kansas PDF was not obtained. Reversed and remanded, not final merits liability. No full current citator performed. ([Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/1981/52-612-7.html?utm_source=chatgpt.com)) |\n| **S_KS-P11-S005** | Federal FCRA, OLRC: https://uscode.house.gov/us/usc/119-118/t15/s1681c/ https://uscode.house.gov/us/usc/119-118/t15/s1681g/ https://uscode.house.gov/us/usc/119-118/t15/s1681h/ https://uscode.house.gov/us/usc/119-118/t15/s1681i/ https://uscode.house.gov/us/usc/119-118/t15/s1681j/ https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/ https://uscode.house.gov/us/usc/119-118/t15/s1681t/ | Complete materially relevant obsolescence, file access, CRA dispute, free disclosure, furnisher duties, and preemption provisions | **Fresh.** OLRC pages state law in effect through Public Law 119-120, Oct. 7, 2026. Medical, identity-theft, specialty, public-record, and full remedy provisions not comprehensively read. ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com)) |\n| **S_KS-P11-S006** | Regulation V and Appendix E, eCFR: https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.41 https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.42 https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43 https://www.ecfr.gov/current/title-12/chapter-X/part-1022/appendix-Appendix%20E%20to%20Part%201022 | Complete materially relevant definitions, furnisher-policy rule, direct-dispute rule, and accuracy-and-integrity guidelines | **Fresh.** eCFR displayed Title 12 current through Oct. 22, 2026 and last amended Oct. 2, 2026. eCFR is authoritative but unofficial. Appendix E is guidance incorporated through §1022.42, not an independent strict-liability checklist. ([eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com)) |\n| **S_KS-P11-S007** | CFPB FCRA preemption interpretation and withdrawal: https://www.federalregister.gov/documents/2025/10/28/2025-19671/fair-credit-reporting-act-preemption-of-state-laws https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal | 90 Fed. Reg. 48710–48714; action and applicability at printed 48710–48711; broad-preemption discussion at 48711–48714. Withdrawal at 90 Fed. Reg. 20084–20085 | **Fresh.** October 28, 2025 interpretation currently applicable but nonbinding; May 12, 2025 withdrawal removed the 2022 interpretation and other guidance. No court held itself bound by the 2025 interpretation in material reviewed here. ([Federal Register](https://www.federalregister.gov/documents/2025/10/28/2025-19671/fair-credit-reporting-act-preemption-of-state-laws)) |\n| **S_KS-P11-S008** | CFPB FCRA current-status page: https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/fair-credit-reporting-act/ | Lines 31–39: July 11, 2025 medical-debt-rule vacatur and reference-only status; page last modified June 1, 2026 | **Fresh.** Used only to prevent reliance on the vacated rule. Detailed medical-debt reporting excluded. ([Consumer Financial Protection Bureau](https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/fair-credit-reporting-act/?utm_source=chatgpt.com)) |\n| **S_KS-P11-S009** | *Ward v. National Credit Systems, Inc.*, Tenth Circuit official PDF: https://www.ca10.uscourts.gov/sites/ca10/files/opinions/010111472436.pdf | Summary at printed page 2/PDF index 1; prima facie elements at printed page 15/index 14; objectively-and-readily-verifiable standard at printed pages 18–19/indices 17–18; disposition at printed page 26/index 25 | **Fresh selected parsed and visual read.** Published Tenth Circuit, No. 25-1078, filed July 20, 2026. Rule 50(b) denial reversed, judgment vacated, remand directed for judgment to furnisher. Identity-theft details excluded. ([Tenth Circuit](https://www.ca10.uscourts.gov/sites/ca10/files/opinions/010111472436.pdf?utm_source=chatgpt.com)) |\n| **S_KS-P11-S010** | *Llewellyn v. Allstate Home Loans, Inc.*, Tenth Circuit official PDF: https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019026661.pdf | FCRA framework at printed page 8/PDF index 7; materially misleading omission at printed page 25/index 24; deadline at printed page 26/index 25 | **Fresh selected parsed and visual read.** Published, 711 F.3d 1173, filed Mar. 28, 2013. Relevant summary judgment reversed and remanded; no final liability adjudication in opinion. ([Tenth Circuit](https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019026661.pdf?utm_source=chatgpt.com)) |\n| **S_KS-P11-S011** | *Maiteki v. Marten Transportation, LLC*, Tenth Circuit official PDF: https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019656034.pdf | Investigation standard at printed pages 4–7/PDF indices 3–6; conclusion at printed page 8/index 7 | **Fresh selected parsed and visual read.** Published, 828 F.3d 1272, filed July 13, 2016. Summary judgment for furnisher affirmed. Employment reporting facts limit the case’s ordinary-debt application. ([Tenth Circuit](https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019656034.pdf?utm_source=chatgpt.com)) |\n| **S_KS-P11-S012** | Necessary FDCPA validation comparison: https://uscode.house.gov/us/usc/119-118/t15/s1692g/ https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.34 https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.38 https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.42 | Complete material written-dispute, collection-pause, validation, and delivery provisions used only for channel comparison | **Fresh targeted read.** No full FDCPA communication, validation, or remedy rerun. ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1692g/?utm_source=chatgpt.com)) |\n| **S_KS-P11-S013** | *Henson v. Santander Consumer USA Inc.*, U.S. Supreme Court official PDF: https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf | Opinion printed pages 1–3/PDF indices 2–4 | **Fresh targeted read.** Unanimous decision, June 12, 2017. Resolves only “owed another” definitional branch; principal-purpose branch expressly not decided. ([Supreme Court](https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf?utm_source=chatgpt.com)) |\n\n# I. Claim register\n\n| Claim ID | Precise assertion | Sources and pinpoint | Conditions, state-federal relationship, and confidence |\n| --- | --- | --- | --- |\n| **S_KS-P11-C001** | Kansas independently regulates consumer reporting through K.S.A. 50-701–50-725. | S001 article index. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P11-C002** | Kansas consumer means an individual; CRA status requires regular assembly/evaluation for third-party reports and interstate-commerce facilities. | S001, §50-702(b), (e). ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0002_section/050_007_0002_k/?utm_source=chatgpt.com)) | **High.** No express Kansas-residency requirement; extraterritorial application unresolved. |\n| **S_KS-P11-C003** | Bilateral transaction-and-experience information is excluded from Kansas’s consumer-report definition. | S001, §50-702(c)(1). ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0002_section/050_007_0002_k/?utm_source=chatgpt.com)) | **High.** Furnishing to a CRA invokes separate federal duties. |\n| **S_KS-P11-C004** | Collection or review of a consumer account is a Kansas permissible purpose. | S001, §50-703(c)(1). ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0003_section/050_007_0003_k/?utm_source=chatgpt.com)) | **High.** Does not establish account validity or authority to collect. |\n| **S_KS-P11-C005** | Kansas CRA must use reasonable procedures for permissible purposes and maximum possible accuracy. | S001, §50-706. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0006_section/050_007_0006_k/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P11-C006** | Kansas consumer can request nonmedical file information, sources, and recipient history from CRA. | S001, §50-708. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0008_section/050_007_0008_k/?utm_source=chatgpt.com)) | **High.** Not a furnisher-file right. |\n| **S_KS-P11-C007** | Kansas CRA dispute requires reinvestigation within a reasonable period unless frivolous or irrelevant. | S001, §50-710(a). ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0010_section/050_007_0010_k/?utm_source=chatgpt.com)) | **High.** Federal 30-day structure may be concurrently stricter. |\n| **S_KS-P11-C008** | Kansas CRA must promptly delete information found inaccurate or no longer verifiable. | S001, §50-710(a). ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0010_section/050_007_0010_k/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P11-C009** | Contradictory file information alone does not make a Kansas dispute frivolous. | S001, §50-710(a). ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0010_section/050_007_0010_k/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P11-C010** | Kansas unresolved-dispute statement can be limited to 100 words and must appear or be summarized in later reports. | S001, §50-710(b)–(c). ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0010_section/050_007_0010_k/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P11-C011** | Kansas consumer can request deletion/dispute notices to designated prior recipients for two-year employment and six-month other periods. | S001, §50-710(d). ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0010_section/050_007_0010_k/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P11-C012** | Kansas’s state CRA law contains no fixed reinvestigation deadline. | S001, §50-710. ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0010_section/050_007_0010_k/?utm_source=chatgpt.com)) | **High.** Does not extend federal deadline. |\n| **S_KS-P11-C013** | Kansas ordinary collection and charge-off items generally have a seven-year state limit. | S001, §50-704(a)(4). ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0004_section/050_007_0004_k/?utm_source=chatgpt.com)) | **High.** State section lacks federal DOFD-plus-180 formula. |\n| **S_KS-P11-C014** | Kansas high-value exceptions use $50,000 credit/life-insurance and $20,000 employment thresholds. | S001, §50-704(b). ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0004_section/050_007_0004_k/?utm_source=chatgpt.com)) | **High historical statutory amounts.** Federal law may remain more restrictive. |\n| **S_KS-P11-C015** | Kansas freeze must generally be placed within five business days and removed within three business days. | S002, §50-723(a), (h). ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0023_section/050_007_0023_k/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P11-C016** | Kansas freeze does not bar stated existing-debt collection-agency, creditor, assignee, or prospective-assignee access. | S002, §50-723(i)(2)–(3). ([Kansas Legislature](https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0023_section/050_007_0023_k/?utm_source=chatgpt.com)) | **High.** Freeze is not deletion or dispute procedure. |\n| **S_KS-P11-C017** | No comprehensive Kansas direct-furnisher dispute code was verified. | S001–S003. ([Kansas Secretary of State](https://rules.ks.gov/browse/collections/0ae1e448-f5a1-4e09-9d6d-a488ac7c284a/sections/619795f4-baaa-4f0c-8e5e-cf569f42d70d?utm_source=chatgpt.com)) | **Bounded negative finding.** |\n| **S_KS-P11-C018** | Official rules catalog labels Kansas FCRA Article 7 “not in active use.” | S003. ([Kansas Secretary of State](https://rules.ks.gov/browse/collections/0ae1e448-f5a1-4e09-9d6d-a488ac7c284a/sections/619795f4-baaa-4f0c-8e5e-cf569f42d70d?utm_source=chatgpt.com)) | **High catalog observation;** direct resource access failed. |\n| **S_KS-P11-C019** | *Peasley* treated TeleCheck as a Kansas CRA and recognized accuracy, dispute, and permissible-purpose duties. | S004, reported pp. 997–998. ([Justia Law](https://law.justia.com/cases/kansas/court-of-appeals/1981/52-612-7.html?utm_source=chatgpt.com)) | **High holding;** summary judgment reversed, not final liability. |\n| **S_KS-P11-C020** | Federal CRA reinvestigation ordinarily must finish within 30 days after receipt. | S005, §1681i(a)(1)(A). ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681i/?utm_source=chatgpt.com)) | **High.** Possible 15-day extension. |\n| **S_KS-P11-C021** | CRA must notify furnisher within five business days and include all relevant consumer information. | S005, §1681i(a)(2). ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681i/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P11-C022** | CRA must delete or modify inaccurate, incomplete, or unverifiable information and notify furnisher. | S005, §1681i(a)(5). ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681i/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P11-C023** | Reinsertion requires furnisher certification and consumer notice within five business days. | S005, §1681i(a)(5)(B). ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681i/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P11-C024** | CRA results notice is due within five business days after completion; procedure description within 15 days after request. | S005, §1681i(a)(6)–(7). ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681i/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P11-C025** | Federal unresolved-dispute statement and prior-recipient notice mirror the 100-word, two-year, and six-month structure. | S005, §1681i(b)–(d). ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681i/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P11-C026** | Furnisher may not knowingly or with reasonable cause furnish inaccurate information. | S005, §1681s-2(a)(1). ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P11-C027** | Regular furnisher must promptly correct information later determined incomplete or inaccurate. | S005, §1681s-2(a)(2). ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P11-C028** | Subsequent furnishing must note a consumer’s direct dispute. | S005, §1681s-2(a)(3). ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com)) | **High.** Public-enforcement boundary applies. |\n| **S_KS-P11-C029** | Furnisher must report DOFD within 90 days after furnishing collection, charge-off, or similar action. | S005, §1681s-2(a)(5). ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P11-C030** | Debt buyer or collector must preserve original creditor’s DOFD or use reasonable fallback procedures. | S005, §1681s-2(a)(5)(B). ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com)) | **High.** Sale does not reset. |\n| **S_KS-P11-C031** | CRA-notified furnisher must investigate, review CRA material, report results, and correct/delete/block as appropriate. | S005, §1681s-2(b). ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P11-C032** | Furnisher’s CRA-notice duties must finish within CRA’s deadline. | S005, §1681s-2(b)(2); S010. ([Tenth Circuit](https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019026661.pdf?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P11-C033** | Ordinary private FCRA damages do not apply to subsection (a), including direct-dispute regulations; subsection (b) remains distinct. | S005, §1681s-2(c)–(d); S009. ([Tenth Circuit](https://www.ca10.uscourts.gov/sites/ca10/files/opinions/010111472436.pdf?utm_source=chatgpt.com)) | **High necessary remedy boundary.** Full remedies excluded. |\n| **S_KS-P11-C034** | Direct dispute covers liability, terms, balance, payment status, and other account information. | S006, §1022.43(a). ([eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P11-C035** | Direct-dispute exclusions include specified identifiers, inquiries, certain public records, fraud alerts, other furnishers’ information, and CRO-originated disputes. | S006, §1022.43(b). ([eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P11-C036** | Qualifying direct dispute must reach proper address and identify account, issue, basis, and supporting information. | S006, §1022.43(c)–(d). ([eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P11-C037** | Direct furnisher dispute investigation uses CRA’s timing period and requires reporting results to consumer. | S006, §1022.43(e). ([eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P11-C038** | Direct furnisher dispute does not create a general collection pause or signed-contract production duty. | S005–S006. ([eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com)) | **High bounded reading.** |\n| **S_KS-P11-C039** | Furnisher may classify an insufficient or repetitive direct dispute as frivolous, with five-business-day notice. | S006, §1022.43(f). ([eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com)) | **High.** New material information defeats sameness. |\n| **S_KS-P11-C040** | Furnisher must maintain reasonable written accuracy-and-integrity policies and consider Appendix E. | S006, §1022.42. ([eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.42?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P11-C041** | Appendix E calls for accurate transfer/current status, substantiating records, and duplicate-prevention controls. | S006, Appendix E. ([eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/appendix-Appendix%20E%20to%20Part%201022?utm_source=chatgpt.com)) | **High guidance-level proposition.** |\n| **S_KS-P11-C042** | Federal ordinary collection clock starts after 180 days from DOFD and runs seven years. | S005, §1681c(c). ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681c/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P11-C043** | Sale, placement, payment, or settlement does not reset DOFD. | S005, §§1681c(c), 1681s-2(a)(5). ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com)) | **High synthesis from operative texts.** |\n| **S_KS-P11-C044** | Reporting-age period is distinct from debt validity, collectibility, and suit limitations. | S005. ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681c/?utm_source=chatgpt.com)) | **High legal-layer distinction.** |\n| **S_KS-P11-C045** | Payment or settlement does not create a statutory automatic-deletion right. | S005–S006. ([eCFR](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/appendix-Appendix%20E%20to%20Part%201022?utm_source=chatgpt.com)) | **High bounded conclusion.** |\n| **S_KS-P11-C046** | Settlement and paid status must be reported accurately, including current balance where fully discharged. | S005 §1681s-2(a)(2); S006 Appendix E. ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com)) | **High conditional rule; actual settlement governs.** |\n| **S_KS-P11-C047** | Both seller and purchaser may report only if each entry remains accurate, complete, and not materially misleading. | S006 Appendix E; S010. ([Tenth Circuit](https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019026661.pdf?utm_source=chatgpt.com)) | **High conditional synthesis.** No universal one-tradeline rule. |\n| **S_KS-P11-C048** | A furnisher’s omission can be actionable when it creates a materially misleading impression. | S010, printed p.25/index 24. ([Tenth Circuit](https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019026661.pdf?utm_source=chatgpt.com)) | **High published holding.** |\n| **S_KS-P11-C049** | *Ward* requires CRA dispute, actual inaccuracy/incompleteness, unreasonable investigation, injury, and causation for §1681s-2(b) claim. | S009, printed p.15/index 14. ([Tenth Circuit](https://www.ca10.uscourts.gov/sites/ca10/files/opinions/010111472436.pdf?utm_source=chatgpt.com)) | **High current Tenth Circuit holding.** |\n| **S_KS-P11-C050** | *Ward* requires the asserted inaccuracy to be objectively and readily verifiable. | S009, printed pp.18–19/indices 17–18. ([Tenth Circuit](https://www.ca10.uscourts.gov/sites/ca10/files/opinions/010111472436.pdf?utm_source=chatgpt.com)) | **High.** Complex unresolved legal/credibility disputes generally fail that test. |\n| **S_KS-P11-C051** | Investigation reasonableness turns on the information the CRA supplied to the furnisher. | S011, printed pp.4–7/indices 3–6. ([Tenth Circuit](https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019656034.pdf?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P11-C052** | Kansas’s pre-1996 CRA timing and report-content laws fall within the textual grandfather exceptions of §1681t(b)(1)(B) and (E). | S001; S005 §1681t. ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681t/?utm_source=chatgpt.com)) | **High textual conclusion;** general inconsistency preemption remains. |\n| **S_KS-P11-C053** | Federal law broadly preempts Kansas requirements concerning furnisher responsibilities under §1681s-2. | S005, §1681t(b)(1)(F). ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681t/?utm_source=chatgpt.com)) | **High text;** claim-specific preemption remains judicial. |\n| **S_KS-P11-C054** | CFPB’s 2025 broad-preemption view is current but nonbinding interpretive guidance. | S007, 90 Fed. Reg. 48710. ([Federal Register](https://www.federalregister.gov/documents/2025/10/28/2025-19671/fair-credit-reporting-act-preemption-of-state-laws)) | **High status distinction.** |\n| **S_KS-P11-C055** | CFPB’s 2022 limited-preemption interpretation was withdrawn May 12, 2025. | S007, 90 Fed. Reg. 20084. ([Federal Register](https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal)) | **High.** |\n| **S_KS-P11-C056** | CFPB medical-debt rule was vacated July 11, 2025 and is not operative. | S008. ([Consumer Financial Protection Bureau](https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/fair-credit-reporting-act/?utm_source=chatgpt.com)) | **High current status.** Detailed medical rules excluded. |\n| **S_KS-P11-C057** | CRA dispute, direct furnisher dispute, and FDCPA validation dispute have different recipients and consequences. | S005, S006, S012. ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1692g/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P11-C058** | FDCPA timely written dispute can pause collection; FCRA reporting disputes do not generally do so. | S012; S005–S006. ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1692g/?utm_source=chatgpt.com)) | **High distinction.** |\n| **S_KS-P11-C059** | Failure to produce an original signed contract does not automatically extinguish debt or require credit-report deletion. | S005–S006, S009–S011. | **High synthesis;** litigation-proof standards remain later. |\n| **S_KS-P11-C060** | Federal negative-information notice applies only to specified financial institutions and does not require them to furnish. | S005, §1681s-2(a)(7). ([U.S. Code](https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com)) | **High.** |\n| **S_KS-P11-C061** | A Kansas license or filing does not establish CRA status, furnisher authority, debt validity, or accuracy. | S001–S006. | **High legal-layer distinction.** |\n| **S_KS-P11-C062** | Actual account documents, furnishing data, consumer reports, settlement terms, and score impact remain unsupplied. | Scope limitation. | **High.** No account-specific conclusion. |\n\n# J. Coverage and gap table\n\n| Assigned issue | Status | Claims | Exact missing evidence or next action |\n| --- | --- | --- | --- |\n| Kansas CRA definitions | **Answered** | C001–C003 | Entity-specific operations and jurisdiction |\n| Kansas permissible-purpose collection access | **Answered** | C004 | Actual user, account, and purpose |\n| Kansas maximum-accuracy duty | **Answered** | C005 | Report-specific facts |\n| Kansas consumer file access | **Answered** | C006 | Actual CRA and identification process |\n| Kansas CRA dispute procedure | **Answered** | C007–C012 | No controlling modern case defining “reasonable period” located |\n| Kansas direct-furnisher dispute law | **No comprehensive counterpart verified** | C017–C018 | Unpublished orders, sector rules, later enactments |\n| Kansas state paid/settled-debt deletion duty | **No automatic duty verified** | C045–C046 | Actual settlement promise or other law |\n| Kansas state disputed-status duty | **Answered at CRA level** | C010–C011 | State furnisher-level rule not verified |\n| Kansas obsolete collection reporting | **Answered textually** | C013–C014 | Exact interaction with every federal exception and report type |\n| Kansas freeze | **Answered narrowly** | C015–C016 | Fraud alerts, identity-theft blocks, protected consumers excluded |\n| Kansas active implementing regulations | **Not retrieved; catalog says inactive** | C018 | Full archival/rule-history search later |\n| Kansas regulator interpretations | **None located in bounded current compilation** | C017–C018 | Administrative/enforcement docket later |\n| Federal CRA file access | **Answered generally** | C020–C025 | Specialty reports and score disclosures later |\n| Federal CRA dispute deadline | **Answered** | C020–C024 | Actual receipt date and extension facts |\n| CRA furnisher-notice deadline | **Answered** | C021 | Actual transmittal records |\n| CRA frivolous dispute | **Answered in substantive findings** | C020–C024 | Actual notice and missing information |\n| CRA correction/deletion | **Answered** | C022 | Actual investigation results |\n| Reinsertion | **Answered** | C023 | Actual certification and notice |\n| Consumer statement/prior-recipient notice | **Answered** | C010–C011, C025 | Actual request and recipients |\n| Furnisher accuracy and updates | **Answered** | C026–C030 | Actual furnishing and determination |\n| CRA-notified furnisher investigation | **Answered** | C031–C032 | Actual CRA notice and furnished data |\n| Direct furnisher dispute | **Answered** | C034–C039 | Proper address, notice, and documentation |\n| Direct-dispute exclusions | **Answered** | C035 | Actual dispute source and subject |\n| Frivolous/repetitive direct dispute | **Answered** | C039 | Whether new information is material |\n| FCRA collection pause | **Not created** | C038, C057–C058 | Separate FDCPA status and timing |\n| Original signed-contract production | **No universal duty established** | C038, C059 | Contract-copy and litigation proof later |\n| Furnisher policies and procedures | **Answered** | C040–C041 | Actual written policies unavailable |\n| DOFD reporting | **Answered** | C029–C030 | Actual creditor records |\n| Seven-year/180-day clock | **Answered** | C042–C044 | Actual DOFD and exceptional report purpose |\n| Sale resetting clock | **Answered—no reset** | C043 | Actual furnished date may still be wrong |\n| Payment/settlement deletion | **Answered—no automatic deletion** | C045 | Private deletion agreement remains fact-dependent |\n| Paid/settled balance/status | **Answered conditionally** | C046 | Actual settlement terms |\n| Duplicate transferred accounts | **Partial; accuracy-driven** | C041, C047–C048 | Actual tradelines and transfer records |\n| Original/current creditor identification | **Partial; accuracy-driven** | C041, C050 | Actual ownership and complexity of dispute |\n| Voluntary account closure | **Answered in federal substantive section** | C026–C028 | Actual furnishing practice |\n| Negative-information notice | **Answered narrowly** | C060 | Financial-institution status |\n| Private-action boundary | **Answered only as necessary** | C033, C049 | Full standing, damages, causation, limitation later |\n| Kansas/FCRA preemption | **Answered at text/interpretive level** | C052–C055 | Claim-specific court application |\n| Current CFPB preemption rule | **Answered as nonbinding interpretation** | C054–C055 | Later judicial treatment |\n| Medical-debt final rule | **Answered as vacated** | C056 | Detailed medical reporting remains excluded |\n| CRA dispute vs direct dispute vs validation | **Answered** | C057–C058 | Actual actor/debt/status facts |\n| Debt-buyer federal scope | **Partial** | S013; substantive findings | Principal-purpose facts not supplied |\n| *Peasley* Kansas CRA holding | **Answered with posture limit** | C019 | Full citator not performed |\n| Current Tenth Circuit furnisher standard | **Answered** | C049–C051 | Later petitions/citator not fully audited |\n| Marketing promises and bureau policies | **Excluded as nonlaw unless contract supplied** | C045–C046 | Actual voluntary policy or agreement |\n| Actual credit score or eligibility effect | **Unresolved and fact-specific** | C062 | Actual reports, scoring model, lender criteria |\n| Specialty tenant/employment/insurance reports | **Excluded** | — | Separate specialty-report pass |\n| Medical debt and privacy | **Excluded except vacatur status** | C056 | Separate medical pass |\n| Identity theft and coercion restoration | **Excluded** | — | Separate identity-theft pass |\n| Mortgages, repossessions, child support, taxes, education | **Excluded** | — | Sector-specific passes |\n| Bankruptcy procedure and public records | **Excluded** | — | Separate reporting/litigation pass |\n| Ordinary debt limitations/revival | **Excluded** | C044 | Separate limitations pass |\n| Litigation proof/admissibility | **Excluded** | C059 | Separate collection-litigation pass |\n| Full remedies/damages/limitations | **Excluded except necessary boundaries** | C033, C049 | Separate remedies pass |\n| Local, tribal, and country law | **Excluded** | — | Separate jurisdictional passes |\n| Actual provider/account lookup | **Not performed** | C062 | No named account/provider facts supplied |\n| Component/state/parent/A066 acceptance | **Not evaluated** | — | No acceptance follows from PASS-11 |\n\n# K. Researcher self-check\n\n## Actually read or inspected in PASS-11\n\n- The complete relevant Kansas Article 7 structure and selected current sections governing:Definitions.Permissible purposes.Obsolete information.Maximum possible accuracy.Consumer file access.CRA disputes.Dispute statements and prior-recipient notices.Adverse-action notices.Enforcement authority.Security freezes.\n- The current Kansas rules catalog entry for Fair Credit Reporting.\n- Bounded current OSBC administrative-interpretation and guidance searches.\n- *Peasley v. TeleCheck* to the cited Kansas CRA classification and procedural issues.\n- Current federal FCRA provisions governing:Reporting-age limits.File access.CRA reinvestigation.Free disclosures.Furnisher accuracy, update, dispute, DOFD, and investigation duties.State-law preemption.\n- Current Regulation V definitions, policy-and-procedure rule, direct-dispute rule, and Appendix E.\n- Current federal FDCPA validation provisions only as necessary to distinguish dispute channels.\n- The 2025 CFPB preemption interpretation and the May 2025 withdrawal notice.\n- The current CFPB status page confirming vacatur of the medical-debt rule.\n- *Ward*, *Llewellyn*, *Maiteki*, and *Henson* to the exact issues described.\n- Relevant pages of the official Tenth Circuit and Supreme Court PDFs, including visual inspection of the cited PDF pages.\n\n## Preserved but not adopted\n\n- PASS-07 collector licensing and conduct.\n- PASS-09 validation and documentation.\n- PASS-10 corrections to PASS-03.\n- P1/P2 and P4/P8 reviewed provider/security work outside this component.\n- P5/P6 and other imported or submitted work.\n- All prior conclusions outside the narrow reporting crossover.\n\n## Not read, obtained, or established\n\n- Every Kansas statute that could affect a specialized consumer report.\n- A complete Kansas or federal legislative and rulemaking history.\n- Every OSBC, Attorney General, or CRA administrative order.\n- A full Kansas, Tenth Circuit, or Supreme Court citator.\n- Unpublished district-court decisions except where surfaced and necessary.\n- Actual CRA policies, Metro 2 reporting specifications, bureau suppression policies, or furnisher contracts.\n- Any consumer report, tradeline, score, dispute packet, CRA transmission, furnisher response, ownership file, settlement, or account ledger.\n- Detailed medical-debt, identity-theft, human-trafficking, tenant, employment, insurance, mortgage, repossession, child-support, tax, student-loan, bankruptcy, or public-record reporting rules.\n- Litigation standing, evidence, business records, assignment proof, damages, limitations, or collection remedies.\n- Any filing, dispute, records request, complaint, provider lookup, contact, purchase, account action, private-data access, website work, publication, Chrome control, other Chat, or CAPTCHA workaround.\n\n## Method limits\n\n- A Kansas collection or lending license was not treated as authority to furnish.\n- CRA status was not inferred from a company name.\n- The Kansas CRA dispute process was not converted into a direct furnisher dispute process.\n- A direct furnisher dispute was not treated as an FDCPA validation request.\n- An FCRA dispute was not treated as a universal collection pause.\n- Failure to produce an original signed contract was not treated as debt cancellation or mandatory deletion.\n- Payment or settlement was not treated as an automatic deletion right.\n- The date of sale or settlement was not used to restart the reporting clock.\n- Two tradelines were not automatically classified as duplicate liability without examining status and balances.\n- Appendix E guidance was not turned into an independent strict-liability statute.\n- The CFPB’s nonbinding preemption interpretation was not treated as a controlling court holding.\n- The vacated medical-debt rule was not treated as operative.\n- No score improvement, deletion, authorization, liability, recovery, provider approval, operational clearance, component acceptance, Kansas acceptance, parent-dossier acceptance, A066 acceptance, or publication readiness is supplied.\n\n## PASS-11 conclusion\n\nKansas independently regulates CRAs, consumer-file access, CRA accuracy disputes, obsolete report information, dispute statements, prior-recipient notice, and security freezes. Its law is not merely a federal echo. But Kansas does not appear to provide the detailed ordinary furnisher-dispute system that governs modern creditors, collectors, debt buyers, and servicers. That layer is predominantly federal and substantially preemptive.\n\nFor an ordinary debt tradeline, the operational sequence depends on the chosen channel: dispute to the CRA, direct dispute to the furnisher, or validation dispute to a covered federal debt collector. Each has different recipient, content, deadline, investigation, collection-pause, and correction effects. Paid or settled debts must be updated accurately but are not automatically deleted; sales do not restart the date of first delinquency; and correction or deletion does not permit silent reinsertion. Current Tenth Circuit authority requires an objectively and readily verifiable inaccuracy or incompleteness before a private furnisher-investigation claim can proceed.\n\nEND S_KS PASS-11.\n\n","tables":[{"headers":["Channel","Recipient","Principal trigger","Main consequence"],"index":0,"links":[],"row_links":[[],[],[],[]],"rows":[["Channel","Recipient","Principal trigger","Main consequence"],["CRA file dispute","Consumer reporting agency","Consumer disputes completeness or accuracy to CRA","CRA reinvestigation; CRA sends furnisher notice; correction, deletion, modification, or reinsertion rules"],["Direct furnisher dispute","Creditor, collector, debt buyer, or servicer that actually furnished","Consumer sends qualifying notice to the proper furnisher address with required detail","Furnisher investigates and reports results to consumer; corrects CRAs if it finds the information inaccurate"],["FDCPA validation dispute","Covered federal debt collector","Timely written dispute during the federal validation period","Collection of the disputed debt or portion pauses until verification or judgment copy is sent"]]},{"headers":["Actor","Kansas Article 7 status","State duties material to ordinary debt reporting","Important qualification"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[]],"rows":[["Actor","Kansas Article 7 status","State duties material to ordinary debt reporting","Important qualification"],["Consumer reporting agency","Covered if it regularly assembles or evaluates consumer information for third-party reports and uses interstate-commerce facilities","Permissible purpose, obsolete-information limits, maximum possible accuracy, file disclosure, reinvestigation, deletion, dispute statements, prior-recipient notices, freeze duties","A company’s name or federal status is not dispositive; actual information business controls"],["Reseller","Can meet the broad CRA definition; freeze section separately recognizes certain resellers","General Article 7 duties may apply; freeze exception applies to reseller that does not maintain its own permanent database, but it must honor freezes placed by source CRA","Federal reseller dispute duties differ and are not fully analyzed here"],["Original creditor furnishing its own experience","Its report solely concerning its transactions or experience with the consumer is excluded from the Kansas “consumer report” definition when retained in that bilateral context","No comprehensive Kansas direct-furnisher dispute code located; federal furnisher rules may apply if it reports to a CRA","Once information is furnished to a CRA, federal furnisher obligations can apply"],["Collector or debt buyer furnishing information","Does not become a Kansas CRA merely by furnishing; can become a CRA only if its actual business satisfies the definition","Federal furnisher rules generally control; Kansas CRA rules apply only if it separately acts as a CRA","Collector licensing does not authorize furnishing or prove accuracy"],["Servicer furnishing account information","Same furnisher analysis","Federal accuracy, update, dispute-notation, and investigation rules","Ownership is not necessary for furnisher status; actual furnishing is"],["User obtaining a consumer report for collection","Kansas permits a CRA to furnish for review or collection of a consumer account","User must have a permissible purpose; adverse-action requirements may arise","Permissible purpose does not prove debt validity or ownership"],["Commercial-debt reporter","Kansas “consumer report” purpose is tied primarily to personal, family, household credit or other listed permissible purposes","Ordinary corporate trade reporting may fall outside this component","Sole-proprietor and individual business-purpose edge cases require separate analysis"]]},{"headers":["Subject","Federal provision","Kansas result"],"index":2,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Subject","Federal provision","Kansas result"],["CRA dispute-action timing","§1681t(b)(1)(B)","State laws in effect September 30, 1996 are excepted; Kansas’s 1974 provision is not categorically displaced by this clause"],["Information contained in reports","§1681t(b)(1)(E)","Same pre-1996 exception potentially protects Kansas’s old content limits"],["Furnisher responsibilities","§1681t(b)(1)(F)","Broad state-law preemption; listed exceptions are Massachusetts and California, not Kansas"],["General inconsistency","§1681t(a)","State law remains applicable except to extent inconsistent"],["Freeze subjects","§1681t(b)(1)(J) and related provisions","Federal preemption analysis is section-specific; Kansas’s freeze law remains on the books"]]},{"headers":["Authority","Court and posture","Holding material to PASS-11","Limits"],"index":3,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Authority","Court and posture","Holding material to PASS-11","Limits"],["Peasley v. TeleCheck of Kansas, Inc.","Published Kansas Court of Appeals, 1981; summary judgment for TeleCheck reversed and remanded","A check-guarantee and reporting service was a Kansas and federal CRA; accuracy, permissible-purpose, and dispute procedures applied","No final merits judgment; old factual setting; official Kansas PDF not obtained"],["Ward v. National Credit Systems, Inc.","Published Tenth Circuit, July 20, 2026; post-trial Rule 50(b) judgment reversed, verdict vacated, judgment directed for furnisher","CRA dispute, actual inaccuracy or incompleteness, unreasonable investigation, injury, and causation are prima facie elements; asserted error must be objectively and readily verifiable","Identity-theft facts are outside this pass; not every legal issue is categorically excluded"],["Llewellyn v. Allstate Home Loans, Inc.","Published Tenth Circuit, 2013; furnisher summary judgment reversed in relevant part","Reporting can be materially misleading through omission, including omission of known dispute; furnisher duties must finish within CRA’s deadline, not 30 days after its own investigation","No final liability determination on remanded claims"],["Maiteki v. Marten Transportation","Published Tenth Circuit, 2016; summary judgment for furnisher affirmed","Reasonable investigation is what a reasonably prudent person would undertake; scope turns on information supplied by CRA; vague information can justify a narrower investigation","Employment-report facts; specialty reporting otherwise excluded"],["Henson v. Santander Consumer USA Inc.","U.S. Supreme Court, 2017","Debt buyer collecting debt it owns is not covered by FDCPA’s “owed another” prong merely because debt was previously owed another","Principal-purpose debt-collector branch was expressly not decided"]]},{"headers":["Workflow","Recipient and channel","Trigger/content","Deadline","Result","No automatic result"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Workflow","Recipient and channel","Trigger/content","Deadline","Result","No automatic result"],["Kansas CRA dispute","Directly to Kansas CRA","Dispute completeness or accuracy","“Reasonable period” under state law; federal 30-day structure may also apply","Reinvestigate; delete inaccurate or unverifiable item; statement if unresolved","No collection pause"],["Federal CRA dispute","CRA or reseller","Identify disputed item and supporting information","30 days from CRA receipt; possible 15-day extension","CRA notifies furnisher, reinvestigates, corrects/deletes/modifies, sends results","No original-contract guarantee; no collection pause"],["Direct furnisher dispute","Proper furnisher dispute address or qualifying electronic channel","Account identification, specific disputed information, basis, support","Same period as CRA would have","Furnisher investigates, reports result to consumer, corrects CRAs if inaccurate","No general collection halt; no automatic deletion if merely unsupported"],["CRA-to-furnisher dispute","CRA transmits to furnisher","All relevant information received from consumer","CRA notice within 5 business days; furnisher completes by CRA deadline","Furnisher investigates and reports; modifies/deletes/blocks inaccurate, incomplete, unverifiable item","No private subsection (a) claim merely because consumer first wrote directly"],["FDCPA validation dispute","Covered debt collector; timely written route","Dispute during validation period","Federal validation period","Collection of disputed debt or portion pauses until verification or judgment copy","Does not automatically change CRA tradeline"],["Direct furnisher frivolous determination","Furnisher to consumer","Insufficient information, repetitive dispute with no new matter, or excluded subject","Notice within 5 business days after determination","States reasons and missing information","Does not adjudicate debt validity"],["CRA frivolous determination","CRA to consumer","Insufficient or irrelevant dispute","Notice within 5 business days after determination","States reasons and needed information","No automatic permanent bar to a later supported dispute"],["Correction after CRA dispute","Furnisher and CRA","Inaccurate, incomplete, or unverifiable item","Within applicable reinvestigation period","Modify, delete, or permanently block; notify other nationwide CRAs as required","No guaranteed score change"],["Reinsertion","CRA","Furnisher certifies complete and accurate","Consumer notice within 5 business days after reinsertion","Information may reappear with notice and dispute rights","Silent reinsertion not permitted"],["Kansas freeze request","CRA through permitted channel","Valid request and identification","5 business days to place","Blocks many new-credit disclosures","Does not block stated existing-debt collection access"]]},{"headers":["Fact","CRA dispute","FDCPA validation dispute"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["Fact","CRA dispute","FDCPA validation dispute"],["Recipient","CRA","Covered debt collector"],["Main complaint","Tradeline inaccurate or incomplete","Collector must verify debt or identify original creditor"],["Timeliness","CRA reinvestigation framework","Written request during validation period"],["Pause","Reporting reinvestigation; no general collection halt","Collection of disputed debt or portion pauses"],["Response","CRA results; furnisher investigation through CRA","Verification, judgment copy, or original-creditor information"],["Credit-report deletion","Only if CRA result requires correction/deletion","Not automatic"]]},{"headers":["Source ID","Title, issuer, and full direct literal URL","Exact text or page actually read","Version, access status, and limits"],"index":6,"links":[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/?utm_source=chatgpt.com","text":"Kansas Legislature"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0023_section/050_007_0023_k/?utm_source=chatgpt.com","text":"Kansas Legislature"},{"href":"https://rules.ks.gov/browse/collections/0ae1e448-f5a1-4e09-9d6d-a488ac7c284a/sections/619795f4-baaa-4f0c-8e5e-cf569f42d70d?utm_source=chatgpt.com","text":"Kansas Secretary of State"},{"href":"https://law.justia.com/cases/kansas/court-of-appeals/1981/52-612-7.html?utm_source=chatgpt.com","text":"Justia Law"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com","text":"U.S. Code"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com","text":"eCFR"},{"href":"https://www.federalregister.gov/documents/2025/10/28/2025-19671/fair-credit-reporting-act-preemption-of-state-laws","text":"Federal Register"},{"href":"https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/fair-credit-reporting-act/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://www.ca10.uscourts.gov/sites/ca10/files/opinions/010111472436.pdf?utm_source=chatgpt.com","text":"Tenth Circuit"},{"href":"https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019026661.pdf?utm_source=chatgpt.com","text":"Tenth Circuit"},{"href":"https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019656034.pdf?utm_source=chatgpt.com","text":"Tenth Circuit"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1692g/?utm_source=chatgpt.com","text":"U.S. Code"},{"href":"https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf?utm_source=chatgpt.com","text":"Supreme Court"}],"row_links":[[],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0023_section/050_007_0023_k/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://rules.ks.gov/browse/collections/0ae1e448-f5a1-4e09-9d6d-a488ac7c284a/sections/619795f4-baaa-4f0c-8e5e-cf569f42d70d?utm_source=chatgpt.com","text":"Kansas Secretary of State"}],[{"href":"https://law.justia.com/cases/kansas/court-of-appeals/1981/52-612-7.html?utm_source=chatgpt.com","text":"Justia Law"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com","text":"U.S. Code"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com","text":"eCFR"}],[{"href":"https://www.federalregister.gov/documents/2025/10/28/2025-19671/fair-credit-reporting-act-preemption-of-state-laws","text":"Federal Register"}],[{"href":"https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/fair-credit-reporting-act/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://www.ca10.uscourts.gov/sites/ca10/files/opinions/010111472436.pdf?utm_source=chatgpt.com","text":"Tenth Circuit"}],[{"href":"https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019026661.pdf?utm_source=chatgpt.com","text":"Tenth Circuit"}],[{"href":"https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019656034.pdf?utm_source=chatgpt.com","text":"Tenth Circuit"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1692g/?utm_source=chatgpt.com","text":"U.S. Code"}],[{"href":"https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf?utm_source=chatgpt.com","text":"Supreme Court"}]],"rows":[["Source ID","Title, issuer, and full direct literal URL","Exact text or page actually read","Version, access status, and limits"],["S_KS-P11-S001","Kansas Fair Credit Reporting Act, Kansas Revisor:\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0002_section/050_007_0002_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0003_section/050_007_0003_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0004_section/050_007_0004_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0006_section/050_007_0006_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0008_section/050_007_0008_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0009_section/050_007_0009_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0010_section/050_007_0010_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0011_section/050_007_0011_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0014_section/050_007_0014_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0015_section/050_007_0015_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0016_section/050_007_0016_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0017_section/050_007_0017_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0021_section/050_007_0021_k/","Complete materially relevant definitions, permissible purposes, obsolete-information limits, accuracy procedures, file access, conditions of disclosure, CRA disputes, charges, adverse-action notice, limited remedies boundary, and enforcement authority","Fresh Oct. 26, 2026 Pacific/UTC. Official pages label themselves 2026 Kansas Statutes. Website update timestamps are operational data, not amendment or effective dates. Sections 50-702 through 50-721 primarily date to 1973–1974. Not a complete historical or remedy audit. (Kansas Legislature)"],["S_KS-P11-S002","Kansas security-freeze provisions:\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0023_section/050_007_0023_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0024_section/050_007_0024_k/","Complete material §50-723(a)–(k) and §50-724","Fresh. Current codified freeze text. Identity-theft remedies and protected-consumer freeze details excluded. (Kansas Legislature)"],["S_KS-P11-S003","Kansas Secretary of State regulation catalog and OSBC interpretations:\nhttps://rules.ks.gov/browse/collections/0ae1e448-f5a1-4e09-9d6d-a488ac7c284a/sections/619795f4-baaa-4f0c-8e5e-cf569f42d70d\nhttps://osbckansas.gov/legal/administrative_interpretations_2026.pdf\nhttps://osbckansas.gov/legal/guidance_2026.pdf","Official search result labels Article 7 “not in active use.” Bounded compilation searches for credit reporting, furnishing, paid or settled accounts, CRA disputes, and deletion found no pertinent interpretation","Fresh bounded search. Direct rules resource produced an access/internal error in this session. No-match is not proof no unpublished or differently indexed authority exists. No PDF page is relied on for a substantive reporting rule. (Kansas Secretary of State)"],["S_KS-P11-S004","Peasley v. TeleCheck of Kansas, Inc., Kansas Court of Appeals:\nhttps://law.justia.com/cases/kansas/court-of-appeals/1981/52-612-7.html","6 Kan. App. 2d 990, 637 P.2d 437; CRA classification and duties at reported pages 997–998; summary-judgment posture throughout opinion","Fresh selected read. Published Kansas Court of Appeals, decided Dec. 3, 1981. Public opinion reproduction; official Kansas PDF was not obtained. Reversed and remanded, not final merits liability. No full current citator performed. (Justia Law)"],["S_KS-P11-S005","Federal FCRA, OLRC:\nhttps://uscode.house.gov/us/usc/119-118/t15/s1681c/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1681g/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1681h/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1681i/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1681j/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1681s-2/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1681t/","Complete materially relevant obsolescence, file access, CRA dispute, free disclosure, furnisher duties, and preemption provisions","Fresh. OLRC pages state law in effect through Public Law 119-120, Oct. 7, 2026. Medical, identity-theft, specialty, public-record, and full remedy provisions not comprehensively read. (U.S. Code)"],["S_KS-P11-S006","Regulation V and Appendix E, eCFR:\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.41\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.42\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1022/appendix-Appendix%20E%20to%20Part%201022","Complete materially relevant definitions, furnisher-policy rule, direct-dispute rule, and accuracy-and-integrity guidelines","Fresh. eCFR displayed Title 12 current through Oct. 22, 2026 and last amended Oct. 2, 2026. eCFR is authoritative but unofficial. Appendix E is guidance incorporated through §1022.42, not an independent strict-liability checklist. (eCFR)"],["S_KS-P11-S007","CFPB FCRA preemption interpretation and withdrawal:\nhttps://www.federalregister.gov/documents/2025/10/28/2025-19671/fair-credit-reporting-act-preemption-of-state-laws\nhttps://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal","90 Fed. Reg. 48710–48714; action and applicability at printed 48710–48711; broad-preemption discussion at 48711–48714. Withdrawal at 90 Fed. Reg. 20084–20085","Fresh. October 28, 2025 interpretation currently applicable but nonbinding; May 12, 2025 withdrawal removed the 2022 interpretation and other guidance. No court held itself bound by the 2025 interpretation in material reviewed here. (Federal Register)"],["S_KS-P11-S008","CFPB FCRA current-status page:\nhttps://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/fair-credit-reporting-act/","Lines 31–39: July 11, 2025 medical-debt-rule vacatur and reference-only status; page last modified June 1, 2026","Fresh. Used only to prevent reliance on the vacated rule. Detailed medical-debt reporting excluded. (Consumer Financial Protection Bureau)"],["S_KS-P11-S009","Ward v. National Credit Systems, Inc., Tenth Circuit official PDF:\nhttps://www.ca10.uscourts.gov/sites/ca10/files/opinions/010111472436.pdf","Summary at printed page 2/PDF index 1; prima facie elements at printed page 15/index 14; objectively-and-readily-verifiable standard at printed pages 18–19/indices 17–18; disposition at printed page 26/index 25","Fresh selected parsed and visual read. Published Tenth Circuit, No. 25-1078, filed July 20, 2026. Rule 50(b) denial reversed, judgment vacated, remand directed for judgment to furnisher. Identity-theft details excluded. (Tenth Circuit)"],["S_KS-P11-S010","Llewellyn v. Allstate Home Loans, Inc., Tenth Circuit official PDF:\nhttps://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019026661.pdf","FCRA framework at printed page 8/PDF index 7; materially misleading omission at printed page 25/index 24; deadline at printed page 26/index 25","Fresh selected parsed and visual read. Published, 711 F.3d 1173, filed Mar. 28, 2013. Relevant summary judgment reversed and remanded; no final liability adjudication in opinion. (Tenth Circuit)"],["S_KS-P11-S011","Maiteki v. Marten Transportation, LLC, Tenth Circuit official PDF:\nhttps://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019656034.pdf","Investigation standard at printed pages 4–7/PDF indices 3–6; conclusion at printed page 8/index 7","Fresh selected parsed and visual read. Published, 828 F.3d 1272, filed July 13, 2016. Summary judgment for furnisher affirmed. Employment reporting facts limit the case’s ordinary-debt application. (Tenth Circuit)"],["S_KS-P11-S012","Necessary FDCPA validation comparison:\nhttps://uscode.house.gov/us/usc/119-118/t15/s1692g/\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.34\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.38\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.42","Complete material written-dispute, collection-pause, validation, and delivery provisions used only for channel comparison","Fresh targeted read. No full FDCPA communication, validation, or remedy rerun. (U.S. Code)"],["S_KS-P11-S013","Henson v. Santander Consumer USA Inc., U.S. Supreme Court official PDF:\nhttps://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf","Opinion printed pages 1–3/PDF indices 2–4","Fresh targeted read. Unanimous decision, June 12, 2017. Resolves only “owed another” definitional branch; principal-purpose branch expressly not decided. (Supreme Court)"]]},{"headers":["Claim ID","Precise assertion","Sources and pinpoint","Conditions, state-federal relationship, and confidence"],"index":7,"links":[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/?utm_source=chatgpt.com","text":"Kansas Legislature"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0002_section/050_007_0002_k/?utm_source=chatgpt.com","text":"Kansas Legislature"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0002_section/050_007_0002_k/?utm_source=chatgpt.com","text":"Kansas Legislature"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0003_section/050_007_0003_k/?utm_source=chatgpt.com","text":"Kansas Legislature"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0006_section/050_007_0006_k/?utm_source=chatgpt.com","text":"Kansas Legislature"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0008_section/050_007_0008_k/?utm_source=chatgpt.com","text":"Kansas Legislature"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0010_section/050_007_0010_k/?utm_source=chatgpt.com","text":"Kansas Legislature"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0010_section/050_007_0010_k/?utm_source=chatgpt.com","text":"Kansas Legislature"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0010_section/050_007_0010_k/?utm_source=chatgpt.com","text":"Kansas 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Legislature"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0023_section/050_007_0023_k/?utm_source=chatgpt.com","text":"Kansas Legislature"},{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0023_section/050_007_0023_k/?utm_source=chatgpt.com","text":"Kansas Legislature"},{"href":"https://rules.ks.gov/browse/collections/0ae1e448-f5a1-4e09-9d6d-a488ac7c284a/sections/619795f4-baaa-4f0c-8e5e-cf569f42d70d?utm_source=chatgpt.com","text":"Kansas Secretary of State"},{"href":"https://rules.ks.gov/browse/collections/0ae1e448-f5a1-4e09-9d6d-a488ac7c284a/sections/619795f4-baaa-4f0c-8e5e-cf569f42d70d?utm_source=chatgpt.com","text":"Kansas Secretary of State"},{"href":"https://law.justia.com/cases/kansas/court-of-appeals/1981/52-612-7.html?utm_source=chatgpt.com","text":"Justia Law"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681i/?utm_source=chatgpt.com","text":"U.S. Code"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681i/?utm_source=chatgpt.com","text":"U.S. Code"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681i/?utm_source=chatgpt.com","text":"U.S. Code"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681i/?utm_source=chatgpt.com","text":"U.S. Code"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681i/?utm_source=chatgpt.com","text":"U.S. Code"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681i/?utm_source=chatgpt.com","text":"U.S. Code"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com","text":"U.S. Code"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com","text":"U.S. Code"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com","text":"U.S. Code"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com","text":"U.S. Code"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com","text":"U.S. Code"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com","text":"U.S. Code"},{"href":"https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019026661.pdf?utm_source=chatgpt.com","text":"Tenth Circuit"},{"href":"https://www.ca10.uscourts.gov/sites/ca10/files/opinions/010111472436.pdf?utm_source=chatgpt.com","text":"Tenth 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Code"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com","text":"U.S. Code"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681c/?utm_source=chatgpt.com","text":"U.S. Code"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1022/appendix-Appendix%20E%20to%20Part%201022?utm_source=chatgpt.com","text":"eCFR"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com","text":"U.S. Code"},{"href":"https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019026661.pdf?utm_source=chatgpt.com","text":"Tenth Circuit"},{"href":"https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019026661.pdf?utm_source=chatgpt.com","text":"Tenth Circuit"},{"href":"https://www.ca10.uscourts.gov/sites/ca10/files/opinions/010111472436.pdf?utm_source=chatgpt.com","text":"Tenth Circuit"},{"href":"https://www.ca10.uscourts.gov/sites/ca10/files/opinions/010111472436.pdf?utm_source=chatgpt.com","text":"Tenth Circuit"},{"href":"https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019656034.pdf?utm_source=chatgpt.com","text":"Tenth Circuit"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681t/?utm_source=chatgpt.com","text":"U.S. Code"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681t/?utm_source=chatgpt.com","text":"U.S. Code"},{"href":"https://www.federalregister.gov/documents/2025/10/28/2025-19671/fair-credit-reporting-act-preemption-of-state-laws","text":"Federal Register"},{"href":"https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal","text":"Federal Register"},{"href":"https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/fair-credit-reporting-act/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1692g/?utm_source=chatgpt.com","text":"U.S. Code"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1692g/?utm_source=chatgpt.com","text":"U.S. Code"},{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com","text":"U.S. Code"}],"row_links":[[],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0002_section/050_007_0002_k/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0002_section/050_007_0002_k/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0003_section/050_007_0003_k/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0006_section/050_007_0006_k/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0008_section/050_007_0008_k/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0010_section/050_007_0010_k/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0010_section/050_007_0010_k/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0010_section/050_007_0010_k/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0010_section/050_007_0010_k/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0010_section/050_007_0010_k/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0010_section/050_007_0010_k/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0004_section/050_007_0004_k/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0004_section/050_007_0004_k/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0023_section/050_007_0023_k/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0023_section/050_007_0023_k/?utm_source=chatgpt.com","text":"Kansas Legislature"}],[{"href":"https://rules.ks.gov/browse/collections/0ae1e448-f5a1-4e09-9d6d-a488ac7c284a/sections/619795f4-baaa-4f0c-8e5e-cf569f42d70d?utm_source=chatgpt.com","text":"Kansas Secretary of State"}],[{"href":"https://rules.ks.gov/browse/collections/0ae1e448-f5a1-4e09-9d6d-a488ac7c284a/sections/619795f4-baaa-4f0c-8e5e-cf569f42d70d?utm_source=chatgpt.com","text":"Kansas Secretary of State"}],[{"href":"https://law.justia.com/cases/kansas/court-of-appeals/1981/52-612-7.html?utm_source=chatgpt.com","text":"Justia Law"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681i/?utm_source=chatgpt.com","text":"U.S. Code"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681i/?utm_source=chatgpt.com","text":"U.S. Code"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681i/?utm_source=chatgpt.com","text":"U.S. Code"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681i/?utm_source=chatgpt.com","text":"U.S. Code"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681i/?utm_source=chatgpt.com","text":"U.S. Code"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681i/?utm_source=chatgpt.com","text":"U.S. Code"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com","text":"U.S. Code"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com","text":"U.S. Code"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com","text":"U.S. Code"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com","text":"U.S. Code"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com","text":"U.S. Code"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com","text":"U.S. Code"}],[{"href":"https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019026661.pdf?utm_source=chatgpt.com","text":"Tenth Circuit"}],[{"href":"https://www.ca10.uscourts.gov/sites/ca10/files/opinions/010111472436.pdf?utm_source=chatgpt.com","text":"Tenth Circuit"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com","text":"eCFR"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com","text":"eCFR"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com","text":"eCFR"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com","text":"eCFR"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com","text":"eCFR"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com","text":"eCFR"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.42?utm_source=chatgpt.com","text":"eCFR"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1022/appendix-Appendix%20E%20to%20Part%201022?utm_source=chatgpt.com","text":"eCFR"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681c/?utm_source=chatgpt.com","text":"U.S. Code"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com","text":"U.S. Code"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681c/?utm_source=chatgpt.com","text":"U.S. Code"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1022/appendix-Appendix%20E%20to%20Part%201022?utm_source=chatgpt.com","text":"eCFR"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com","text":"U.S. Code"}],[{"href":"https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019026661.pdf?utm_source=chatgpt.com","text":"Tenth Circuit"}],[{"href":"https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019026661.pdf?utm_source=chatgpt.com","text":"Tenth Circuit"}],[{"href":"https://www.ca10.uscourts.gov/sites/ca10/files/opinions/010111472436.pdf?utm_source=chatgpt.com","text":"Tenth Circuit"}],[{"href":"https://www.ca10.uscourts.gov/sites/ca10/files/opinions/010111472436.pdf?utm_source=chatgpt.com","text":"Tenth Circuit"}],[{"href":"https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019656034.pdf?utm_source=chatgpt.com","text":"Tenth Circuit"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681t/?utm_source=chatgpt.com","text":"U.S. Code"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681t/?utm_source=chatgpt.com","text":"U.S. Code"}],[{"href":"https://www.federalregister.gov/documents/2025/10/28/2025-19671/fair-credit-reporting-act-preemption-of-state-laws","text":"Federal Register"}],[{"href":"https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal","text":"Federal Register"}],[{"href":"https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/fair-credit-reporting-act/?utm_source=chatgpt.com","text":"Consumer Financial Protection Bureau"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1692g/?utm_source=chatgpt.com","text":"U.S. Code"}],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1692g/?utm_source=chatgpt.com","text":"U.S. Code"}],[],[{"href":"https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com","text":"U.S. Code"}],[],[]],"rows":[["Claim ID","Precise assertion","Sources and pinpoint","Conditions, state-federal relationship, and confidence"],["S_KS-P11-C001","Kansas independently regulates consumer reporting through K.S.A. 50-701–50-725.","S001 article index. (Kansas Legislature)","High."],["S_KS-P11-C002","Kansas consumer means an individual; CRA status requires regular assembly/evaluation for third-party reports and interstate-commerce facilities.","S001, §50-702(b), (e). (Kansas Legislature)","High. No express Kansas-residency requirement; extraterritorial application unresolved."],["S_KS-P11-C003","Bilateral transaction-and-experience information is excluded from Kansas’s consumer-report definition.","S001, §50-702(c)(1). (Kansas Legislature)","High. Furnishing to a CRA invokes separate federal duties."],["S_KS-P11-C004","Collection or review of a consumer account is a Kansas permissible purpose.","S001, §50-703(c)(1). (Kansas Legislature)","High. Does not establish account validity or authority to collect."],["S_KS-P11-C005","Kansas CRA must use reasonable procedures for permissible purposes and maximum possible accuracy.","S001, §50-706. (Kansas Legislature)","High."],["S_KS-P11-C006","Kansas consumer can request nonmedical file information, sources, and recipient history from CRA.","S001, §50-708. (Kansas Legislature)","High. Not a furnisher-file right."],["S_KS-P11-C007","Kansas CRA dispute requires reinvestigation within a reasonable period unless frivolous or irrelevant.","S001, §50-710(a). (Kansas Legislature)","High. Federal 30-day structure may be concurrently stricter."],["S_KS-P11-C008","Kansas CRA must promptly delete information found inaccurate or no longer verifiable.","S001, §50-710(a). (Kansas Legislature)","High."],["S_KS-P11-C009","Contradictory file information alone does not make a Kansas dispute frivolous.","S001, §50-710(a). (Kansas Legislature)","High."],["S_KS-P11-C010","Kansas unresolved-dispute statement can be limited to 100 words and must appear or be summarized in later reports.","S001, §50-710(b)–(c). (Kansas Legislature)","High."],["S_KS-P11-C011","Kansas consumer can request deletion/dispute notices to designated prior recipients for two-year employment and six-month other periods.","S001, §50-710(d). (Kansas Legislature)","High."],["S_KS-P11-C012","Kansas’s state CRA law contains no fixed reinvestigation deadline.","S001, §50-710. (Kansas Legislature)","High. Does not extend federal deadline."],["S_KS-P11-C013","Kansas ordinary collection and charge-off items generally have a seven-year state limit.","S001, §50-704(a)(4). (Kansas Legislature)","High. State section lacks federal DOFD-plus-180 formula."],["S_KS-P11-C014","Kansas high-value exceptions use $50,000 credit/life-insurance and $20,000 employment thresholds.","S001, §50-704(b). (Kansas Legislature)","High historical statutory amounts. Federal law may remain more restrictive."],["S_KS-P11-C015","Kansas freeze must generally be placed within five business days and removed within three business days.","S002, §50-723(a), (h). (Kansas Legislature)","High."],["S_KS-P11-C016","Kansas freeze does not bar stated existing-debt collection-agency, creditor, assignee, or prospective-assignee access.","S002, §50-723(i)(2)–(3). (Kansas Legislature)","High. Freeze is not deletion or dispute procedure."],["S_KS-P11-C017","No comprehensive Kansas direct-furnisher dispute code was verified.","S001–S003. (Kansas Secretary of State)","Bounded negative finding."],["S_KS-P11-C018","Official rules catalog labels Kansas FCRA Article 7 “not in active use.”","S003. (Kansas Secretary of State)","High catalog observation; direct resource access failed."],["S_KS-P11-C019","Peasley treated TeleCheck as a Kansas CRA and recognized accuracy, dispute, and permissible-purpose duties.","S004, reported pp. 997–998. (Justia Law)","High holding; summary judgment reversed, not final liability."],["S_KS-P11-C020","Federal CRA reinvestigation ordinarily must finish within 30 days after receipt.","S005, §1681i(a)(1)(A). (U.S. Code)","High. Possible 15-day extension."],["S_KS-P11-C021","CRA must notify furnisher within five business days and include all relevant consumer information.","S005, §1681i(a)(2). (U.S. Code)","High."],["S_KS-P11-C022","CRA must delete or modify inaccurate, incomplete, or unverifiable information and notify furnisher.","S005, §1681i(a)(5). (U.S. Code)","High."],["S_KS-P11-C023","Reinsertion requires furnisher certification and consumer notice within five business days.","S005, §1681i(a)(5)(B). (U.S. Code)","High."],["S_KS-P11-C024","CRA results notice is due within five business days after completion; procedure description within 15 days after request.","S005, §1681i(a)(6)–(7). (U.S. Code)","High."],["S_KS-P11-C025","Federal unresolved-dispute statement and prior-recipient notice mirror the 100-word, two-year, and six-month structure.","S005, §1681i(b)–(d). (U.S. Code)","High."],["S_KS-P11-C026","Furnisher may not knowingly or with reasonable cause furnish inaccurate information.","S005, §1681s-2(a)(1). (U.S. Code)","High."],["S_KS-P11-C027","Regular furnisher must promptly correct information later determined incomplete or inaccurate.","S005, §1681s-2(a)(2). (U.S. Code)","High."],["S_KS-P11-C028","Subsequent furnishing must note a consumer’s direct dispute.","S005, §1681s-2(a)(3). (U.S. Code)","High. Public-enforcement boundary applies."],["S_KS-P11-C029","Furnisher must report DOFD within 90 days after furnishing collection, charge-off, or similar action.","S005, §1681s-2(a)(5). (U.S. Code)","High."],["S_KS-P11-C030","Debt buyer or collector must preserve original creditor’s DOFD or use reasonable fallback procedures.","S005, §1681s-2(a)(5)(B). (U.S. Code)","High. Sale does not reset."],["S_KS-P11-C031","CRA-notified furnisher must investigate, review CRA material, report results, and correct/delete/block as appropriate.","S005, §1681s-2(b). (U.S. Code)","High."],["S_KS-P11-C032","Furnisher’s CRA-notice duties must finish within CRA’s deadline.","S005, §1681s-2(b)(2); S010. (Tenth Circuit)","High."],["S_KS-P11-C033","Ordinary private FCRA damages do not apply to subsection (a), including direct-dispute regulations; subsection (b) remains distinct.","S005, §1681s-2(c)–(d); S009. (Tenth Circuit)","High necessary remedy boundary. Full remedies excluded."],["S_KS-P11-C034","Direct dispute covers liability, terms, balance, payment status, and other account information.","S006, §1022.43(a). (eCFR)","High."],["S_KS-P11-C035","Direct-dispute exclusions include specified identifiers, inquiries, certain public records, fraud alerts, other furnishers’ information, and CRO-originated disputes.","S006, §1022.43(b). (eCFR)","High."],["S_KS-P11-C036","Qualifying direct dispute must reach proper address and identify account, issue, basis, and supporting information.","S006, §1022.43(c)–(d). (eCFR)","High."],["S_KS-P11-C037","Direct furnisher dispute investigation uses CRA’s timing period and requires reporting results to consumer.","S006, §1022.43(e). (eCFR)","High."],["S_KS-P11-C038","Direct furnisher dispute does not create a general collection pause or signed-contract production duty.","S005–S006. (eCFR)","High bounded reading."],["S_KS-P11-C039","Furnisher may classify an insufficient or repetitive direct dispute as frivolous, with five-business-day notice.","S006, §1022.43(f). (eCFR)","High. New material information defeats sameness."],["S_KS-P11-C040","Furnisher must maintain reasonable written accuracy-and-integrity policies and consider Appendix E.","S006, §1022.42. (eCFR)","High."],["S_KS-P11-C041","Appendix E calls for accurate transfer/current status, substantiating records, and duplicate-prevention controls.","S006, Appendix E. (eCFR)","High guidance-level proposition."],["S_KS-P11-C042","Federal ordinary collection clock starts after 180 days from DOFD and runs seven years.","S005, §1681c(c). (U.S. Code)","High."],["S_KS-P11-C043","Sale, placement, payment, or settlement does not reset DOFD.","S005, §§1681c(c), 1681s-2(a)(5). (U.S. Code)","High synthesis from operative texts."],["S_KS-P11-C044","Reporting-age period is distinct from debt validity, collectibility, and suit limitations.","S005. (U.S. Code)","High legal-layer distinction."],["S_KS-P11-C045","Payment or settlement does not create a statutory automatic-deletion right.","S005–S006. (eCFR)","High bounded conclusion."],["S_KS-P11-C046","Settlement and paid status must be reported accurately, including current balance where fully discharged.","S005 §1681s-2(a)(2); S006 Appendix E. (U.S. Code)","High conditional rule; actual settlement governs."],["S_KS-P11-C047","Both seller and purchaser may report only if each entry remains accurate, complete, and not materially misleading.","S006 Appendix E; S010. (Tenth Circuit)","High conditional synthesis. No universal one-tradeline rule."],["S_KS-P11-C048","A furnisher’s omission can be actionable when it creates a materially misleading impression.","S010, printed p.25/index 24. (Tenth Circuit)","High published holding."],["S_KS-P11-C049","Ward requires CRA dispute, actual inaccuracy/incompleteness, unreasonable investigation, injury, and causation for §1681s-2(b) claim.","S009, printed p.15/index 14. (Tenth Circuit)","High current Tenth Circuit holding."],["S_KS-P11-C050","Ward requires the asserted inaccuracy to be objectively and readily verifiable.","S009, printed pp.18–19/indices 17–18. (Tenth Circuit)","High. Complex unresolved legal/credibility disputes generally fail that test."],["S_KS-P11-C051","Investigation reasonableness turns on the information the CRA supplied to the furnisher.","S011, printed pp.4–7/indices 3–6. (Tenth Circuit)","High."],["S_KS-P11-C052","Kansas’s pre-1996 CRA timing and report-content laws fall within the textual grandfather exceptions of §1681t(b)(1)(B) and (E).","S001; S005 §1681t. (U.S. Code)","High textual conclusion; general inconsistency preemption remains."],["S_KS-P11-C053","Federal law broadly preempts Kansas requirements concerning furnisher responsibilities under §1681s-2.","S005, §1681t(b)(1)(F). (U.S. Code)","High text; claim-specific preemption remains judicial."],["S_KS-P11-C054","CFPB’s 2025 broad-preemption view is current but nonbinding interpretive guidance.","S007, 90 Fed. Reg. 48710. (Federal Register)","High status distinction."],["S_KS-P11-C055","CFPB’s 2022 limited-preemption interpretation was withdrawn May 12, 2025.","S007, 90 Fed. Reg. 20084. (Federal Register)","High."],["S_KS-P11-C056","CFPB medical-debt rule was vacated July 11, 2025 and is not operative.","S008. (Consumer Financial Protection Bureau)","High current status. Detailed medical rules excluded."],["S_KS-P11-C057","CRA dispute, direct furnisher dispute, and FDCPA validation dispute have different recipients and consequences.","S005, S006, S012. (U.S. Code)","High."],["S_KS-P11-C058","FDCPA timely written dispute can pause collection; FCRA reporting disputes do not generally do so.","S012; S005–S006. (U.S. Code)","High distinction."],["S_KS-P11-C059","Failure to produce an original signed contract does not automatically extinguish debt or require credit-report deletion.","S005–S006, S009–S011.","High synthesis; litigation-proof standards remain later."],["S_KS-P11-C060","Federal negative-information notice applies only to specified financial institutions and does not require them to furnish.","S005, §1681s-2(a)(7). (U.S. Code)","High."],["S_KS-P11-C061","A Kansas license or filing does not establish CRA status, furnisher authority, debt validity, or accuracy.","S001–S006.","High legal-layer distinction."],["S_KS-P11-C062","Actual account documents, furnishing data, consumer reports, settlement terms, and score impact remain unsupplied.","Scope limitation.","High. No account-specific conclusion."]]},{"headers":["Assigned issue","Status","Claims","Exact missing evidence or next action"],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Assigned issue","Status","Claims","Exact missing evidence or next action"],["Kansas CRA definitions","Answered","C001–C003","Entity-specific operations and jurisdiction"],["Kansas permissible-purpose collection access","Answered","C004","Actual user, account, and purpose"],["Kansas maximum-accuracy duty","Answered","C005","Report-specific facts"],["Kansas consumer file access","Answered","C006","Actual CRA and identification process"],["Kansas CRA dispute procedure","Answered","C007–C012","No controlling modern case defining “reasonable period” located"],["Kansas direct-furnisher dispute law","No comprehensive counterpart verified","C017–C018","Unpublished orders, sector rules, later enactments"],["Kansas state paid/settled-debt deletion duty","No automatic duty verified","C045–C046","Actual settlement promise or other law"],["Kansas state disputed-status duty","Answered at CRA level","C010–C011","State furnisher-level rule not verified"],["Kansas obsolete collection reporting","Answered textually","C013–C014","Exact interaction with every federal exception and report type"],["Kansas freeze","Answered narrowly","C015–C016","Fraud alerts, identity-theft blocks, protected consumers excluded"],["Kansas active implementing regulations","Not retrieved; catalog says inactive","C018","Full archival/rule-history search later"],["Kansas regulator interpretations","None located in bounded current compilation","C017–C018","Administrative/enforcement docket later"],["Federal CRA file access","Answered generally","C020–C025","Specialty reports and score disclosures later"],["Federal CRA dispute deadline","Answered","C020–C024","Actual receipt date and extension facts"],["CRA furnisher-notice deadline","Answered","C021","Actual transmittal records"],["CRA frivolous dispute","Answered in substantive findings","C020–C024","Actual notice and missing information"],["CRA correction/deletion","Answered","C022","Actual investigation results"],["Reinsertion","Answered","C023","Actual certification and notice"],["Consumer statement/prior-recipient notice","Answered","C010–C011, C025","Actual request and recipients"],["Furnisher accuracy and updates","Answered","C026–C030","Actual furnishing and determination"],["CRA-notified furnisher investigation","Answered","C031–C032","Actual CRA notice and furnished data"],["Direct furnisher dispute","Answered","C034–C039","Proper address, notice, and documentation"],["Direct-dispute exclusions","Answered","C035","Actual dispute source and subject"],["Frivolous/repetitive direct dispute","Answered","C039","Whether new information is material"],["FCRA collection pause","Not created","C038, C057–C058","Separate FDCPA status and timing"],["Original signed-contract production","No universal duty established","C038, C059","Contract-copy and litigation proof later"],["Furnisher policies and procedures","Answered","C040–C041","Actual written policies unavailable"],["DOFD reporting","Answered","C029–C030","Actual creditor records"],["Seven-year/180-day clock","Answered","C042–C044","Actual DOFD and exceptional report purpose"],["Sale resetting clock","Answered—no reset","C043","Actual furnished date may still be wrong"],["Payment/settlement deletion","Answered—no automatic deletion","C045","Private deletion agreement remains fact-dependent"],["Paid/settled balance/status","Answered conditionally","C046","Actual settlement terms"],["Duplicate transferred accounts","Partial; accuracy-driven","C041, C047–C048","Actual tradelines and transfer records"],["Original/current creditor identification","Partial; accuracy-driven","C041, C050","Actual ownership and complexity of dispute"],["Voluntary account closure","Answered in federal substantive section","C026–C028","Actual furnishing practice"],["Negative-information notice","Answered narrowly","C060","Financial-institution status"],["Private-action boundary","Answered only as necessary","C033, C049","Full standing, damages, causation, limitation later"],["Kansas/FCRA preemption","Answered at text/interpretive level","C052–C055","Claim-specific court application"],["Current CFPB preemption rule","Answered as nonbinding interpretation","C054–C055","Later judicial treatment"],["Medical-debt final rule","Answered as vacated","C056","Detailed medical reporting remains excluded"],["CRA dispute vs direct dispute vs validation","Answered","C057–C058","Actual actor/debt/status facts"],["Debt-buyer federal scope","Partial","S013; substantive findings","Principal-purpose facts not supplied"],["Peasley Kansas CRA holding","Answered with posture limit","C019","Full citator not performed"],["Current Tenth Circuit furnisher standard","Answered","C049–C051","Later petitions/citator not fully audited"],["Marketing promises and bureau policies","Excluded as nonlaw unless contract supplied","C045–C046","Actual voluntary policy or agreement"],["Actual credit score or eligibility effect","Unresolved and fact-specific","C062","Actual reports, scoring model, lender criteria"],["Specialty tenant/employment/insurance reports","Excluded","—","Separate specialty-report pass"],["Medical debt and privacy","Excluded except vacatur status","C056","Separate medical pass"],["Identity theft and coercion restoration","Excluded","—","Separate identity-theft pass"],["Mortgages, repossessions, child support, taxes, education","Excluded","—","Sector-specific passes"],["Bankruptcy procedure and public records","Excluded","—","Separate reporting/litigation pass"],["Ordinary debt limitations/revival","Excluded","C044","Separate limitations pass"],["Litigation proof/admissibility","Excluded","C059","Separate collection-litigation pass"],["Full remedies/damages/limitations","Excluded except necessary boundaries","C033, C049","Separate remedies pass"],["Local, tribal, and country law","Excluded","—","Separate jurisdictional passes"],["Actual provider/account lookup","Not performed","C062","No named account/provider facts supplied"],["Component/state/parent/A066 acceptance","Not evaluated","—","No acceptance follows from PASS-11"]]}],"claims":[{"claim_id":"S_KS-P11-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C001","Precise assertion":"Kansas independently regulates consumer reporting through K.S.A. 50-701–50-725.","Sources and pinpoint":"S001 article index. (Kansas Legislature)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"bounded_scope_or_negative_conclusion_holds_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"No universal absence, currentness, full Article 7 or actual-account acceptance. The 50-721, current-rules and case limits remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C002","Precise assertion":"Kansas consumer means an individual; CRA status requires regular assembly/evaluation for third-party reports and interstate-commerce facilities.","Sources and pinpoint":"S001, §50-702(b), (e). (Kansas Legislature)","Conditions, state-federal relationship, and confidence":"High. No express Kansas-residency requirement; extraterritorial application unresolved."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C003","Precise assertion":"Bilateral transaction-and-experience information is excluded from Kansas’s consumer-report definition.","Sources and pinpoint":"S001, §50-702(c)(1). (Kansas Legislature)","Conditions, state-federal relationship, and confidence":"High. Furnishing to a CRA invokes separate federal duties."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C004","Precise assertion":"Collection or review of a consumer account is a Kansas permissible purpose.","Sources and pinpoint":"S001, §50-703(c)(1). (Kansas Legislature)","Conditions, state-federal relationship, and confidence":"High. Does not establish account validity or authority to collect."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C005","Precise assertion":"Kansas CRA must use reasonable procedures for permissible purposes and maximum possible accuracy.","Sources and pinpoint":"S001, §50-706. (Kansas Legislature)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C006","Precise assertion":"Kansas consumer can request nonmedical file information, sources, and recipient history from CRA.","Sources and pinpoint":"S001, §50-708. (Kansas Legislature)","Conditions, state-federal relationship, and confidence":"High. Not a furnisher-file right."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C007","Precise assertion":"Kansas CRA dispute requires reinvestigation within a reasonable period unless frivolous or irrelevant.","Sources and pinpoint":"S001, §50-710(a). (Kansas Legislature)","Conditions, state-federal relationship, and confidence":"High. Federal 30-day structure may be concurrently stricter."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C008","Precise assertion":"Kansas CRA must promptly delete information found inaccurate or no longer verifiable.","Sources and pinpoint":"S001, §50-710(a). (Kansas Legislature)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C009","Precise assertion":"Contradictory file information alone does not make a Kansas dispute frivolous.","Sources and pinpoint":"S001, §50-710(a). (Kansas Legislature)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C010","Precise assertion":"Kansas unresolved-dispute statement can be limited to 100 words and must appear or be summarized in later reports.","Sources and pinpoint":"S001, §50-710(b)–(c). (Kansas Legislature)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"revision_required_bounded_qualification_UNSENT","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected primary clause shows a missing condition or overlay; see the exact finding. The supported core remains preserved.","pending_findings":["S_KS-P11-Q001"],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C011","Precise assertion":"Kansas consumer can request deletion/dispute notices to designated prior recipients for two-year employment and six-month other periods.","Sources and pinpoint":"S001, §50-710(d). (Kansas Legislature)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C012","Precise assertion":"Kansas’s state CRA law contains no fixed reinvestigation deadline.","Sources and pinpoint":"S001, §50-710. (Kansas Legislature)","Conditions, state-federal relationship, and confidence":"High. Does not extend federal deadline."},"coordinator_verification_status":"bounded_scope_or_negative_conclusion_holds_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"No universal absence, currentness, full Article 7 or actual-account acceptance. The 50-721, current-rules and case limits remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C013","Precise assertion":"Kansas ordinary collection and charge-off items generally have a seven-year state limit.","Sources and pinpoint":"S001, §50-704(a)(4). (Kansas Legislature)","Conditions, state-federal relationship, and confidence":"High. State section lacks federal DOFD-plus-180 formula."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C014","Precise assertion":"Kansas high-value exceptions use $50,000 credit/life-insurance and $20,000 employment thresholds.","Sources and pinpoint":"S001, §50-704(b). (Kansas Legislature)","Conditions, state-federal relationship, and confidence":"High historical statutory amounts. Federal law may remain more restrictive."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C015","Precise assertion":"Kansas freeze must generally be placed within five business days and removed within three business days.","Sources and pinpoint":"S002, §50-723(a), (h). (Kansas Legislature)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"revision_required_bounded_qualification_UNSENT","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected primary clause shows a missing condition or overlay; see the exact finding. The supported core remains preserved.","pending_findings":["S_KS-P11-Q002"],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C016","Precise assertion":"Kansas freeze does not bar stated existing-debt collection-agency, creditor, assignee, or prospective-assignee access.","Sources and pinpoint":"S002, §50-723(i)(2)–(3). (Kansas Legislature)","Conditions, state-federal relationship, and confidence":"High. Freeze is not deletion or dispute procedure."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C017","Precise assertion":"No comprehensive Kansas direct-furnisher dispute code was verified.","Sources and pinpoint":"S001–S003. (Kansas Secretary of State)","Conditions, state-federal relationship, and confidence":"Bounded negative finding."},"coordinator_verification_status":"bounded_scope_or_negative_conclusion_holds_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"No universal absence, currentness, full Article 7 or actual-account acceptance. The 50-721, current-rules and case limits remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C018","Precise assertion":"Official rules catalog labels Kansas FCRA Article 7 “not in active use.”","Sources and pinpoint":"S003. (Kansas Secretary of State)","Conditions, state-federal relationship, and confidence":"High catalog observation; direct resource access failed."},"coordinator_verification_status":"bounded_scope_or_negative_conclusion_holds_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"No universal absence, currentness, full Article 7 or actual-account acceptance. The 50-721, current-rules and case limits remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C019","Precise assertion":"Peasley treated TeleCheck as a Kansas CRA and recognized accuracy, dispute, and permissible-purpose duties.","Sources and pinpoint":"S004, reported pp. 997–998. (Justia Law)","Conditions, state-federal relationship, and confidence":"High holding; summary judgment reversed, not final liability."},"coordinator_verification_status":"report_text_read_case_authority_unreopened","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Original holding, currentness and citation status remain researcher provenance only.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C020","Precise assertion":"Federal CRA reinvestigation ordinarily must finish within 30 days after receipt.","Sources and pinpoint":"S005, §1681i(a)(1)(A). (U.S. Code)","Conditions, state-federal relationship, and confidence":"High. Possible 15-day extension."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C021","Precise assertion":"CRA must notify furnisher within five business days and include all relevant consumer information.","Sources and pinpoint":"S005, §1681i(a)(2). (U.S. Code)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C022","Precise assertion":"CRA must delete or modify inaccurate, incomplete, or unverifiable information and notify furnisher.","Sources and pinpoint":"S005, §1681i(a)(5). (U.S. Code)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C023","Precise assertion":"Reinsertion requires furnisher certification and consumer notice within five business days.","Sources and pinpoint":"S005, §1681i(a)(5)(B). (U.S. Code)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C024","Precise assertion":"CRA results notice is due within five business days after completion; procedure description within 15 days after request.","Sources and pinpoint":"S005, §1681i(a)(6)–(7). (U.S. Code)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C025","Precise assertion":"Federal unresolved-dispute statement and prior-recipient notice mirror the 100-word, two-year, and six-month structure.","Sources and pinpoint":"S005, §1681i(b)–(d). (U.S. Code)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"revision_required_bounded_qualification_UNSENT","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected primary clause shows a missing condition or overlay; see the exact finding. The supported core remains preserved.","pending_findings":["S_KS-P11-Q001"],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C026","Precise assertion":"Furnisher may not knowingly or with reasonable cause furnish inaccurate information.","Sources and pinpoint":"S005, §1681s-2(a)(1). (U.S. Code)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"revision_required_bounded_qualification_UNSENT","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected primary clause shows a missing condition or overlay; see the exact finding. The supported core remains preserved.","pending_findings":["S_KS-P11-Q004"],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C027","Precise assertion":"Regular furnisher must promptly correct information later determined incomplete or inaccurate.","Sources and pinpoint":"S005, §1681s-2(a)(2). (U.S. Code)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C028","Precise assertion":"Subsequent furnishing must note a consumer’s direct dispute.","Sources and pinpoint":"S005, §1681s-2(a)(3). (U.S. Code)","Conditions, state-federal relationship, and confidence":"High. Public-enforcement boundary applies."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C029","Precise assertion":"Furnisher must report DOFD within 90 days after furnishing collection, charge-off, or similar action.","Sources and pinpoint":"S005, §1681s-2(a)(5). (U.S. Code)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C030","Precise assertion":"Debt buyer or collector must preserve original creditor’s DOFD or use reasonable fallback procedures.","Sources and pinpoint":"S005, §1681s-2(a)(5)(B). (U.S. Code)","Conditions, state-federal relationship, and confidence":"High. Sale does not reset."},"coordinator_verification_status":"revision_required_bounded_qualification_UNSENT","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected primary clause shows a missing condition or overlay; see the exact finding. The supported core remains preserved.","pending_findings":["S_KS-P11-Q004"],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C031","Precise assertion":"CRA-notified furnisher must investigate, review CRA material, report results, and correct/delete/block as appropriate.","Sources and pinpoint":"S005, §1681s-2(b). (U.S. Code)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C032","Precise assertion":"Furnisher’s CRA-notice duties must finish within CRA’s deadline.","Sources and pinpoint":"S005, §1681s-2(b)(2); S010. (Tenth Circuit)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"selected_statutory_or_guideline_text_checked_case_construction_unreopened","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Case-based interpretation and actual application remain held; no full primary acceptance.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C033","Precise assertion":"Ordinary private FCRA damages do not apply to subsection (a), including direct-dispute regulations; subsection (b) remains distinct.","Sources and pinpoint":"S005, §1681s-2(c)–(d); S009. (Tenth Circuit)","Conditions, state-federal relationship, and confidence":"High necessary remedy boundary. Full remedies excluded."},"coordinator_verification_status":"selected_statutory_or_guideline_text_checked_case_construction_unreopened","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Case-based interpretation and actual application remain held; no full primary acceptance.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C034","Precise assertion":"Direct dispute covers liability, terms, balance, payment status, and other account information.","Sources and pinpoint":"S006, §1022.43(a). (eCFR)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C035","Precise assertion":"Direct-dispute exclusions include specified identifiers, inquiries, certain public records, fraud alerts, other furnishers’ information, and CRO-originated disputes.","Sources and pinpoint":"S006, §1022.43(b). (eCFR)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C036","Precise assertion":"Qualifying direct dispute must reach proper address and identify account, issue, basis, and supporting information.","Sources and pinpoint":"S006, §1022.43(c)–(d). (eCFR)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C037","Precise assertion":"Direct furnisher dispute investigation uses CRA’s timing period and requires reporting results to consumer.","Sources and pinpoint":"S006, §1022.43(e). (eCFR)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C038","Precise assertion":"Direct furnisher dispute does not create a general collection pause or signed-contract production duty.","Sources and pinpoint":"S005–S006. (eCFR)","Conditions, state-federal relationship, and confidence":"High bounded reading."},"coordinator_verification_status":"bounded_scope_or_negative_conclusion_holds_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"No universal absence, currentness, full Article 7 or actual-account acceptance. The 50-721, current-rules and case limits remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C039","Precise assertion":"Furnisher may classify an insufficient or repetitive direct dispute as frivolous, with five-business-day notice.","Sources and pinpoint":"S006, §1022.43(f). (eCFR)","Conditions, state-federal relationship, and confidence":"High. New material information defeats sameness."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C040","Precise assertion":"Furnisher must maintain reasonable written accuracy-and-integrity policies and consider Appendix E.","Sources and pinpoint":"S006, §1022.42. (eCFR)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C041","Precise assertion":"Appendix E calls for accurate transfer/current status, substantiating records, and duplicate-prevention controls.","Sources and pinpoint":"S006, Appendix E. (eCFR)","Conditions, state-federal relationship, and confidence":"High guidance-level proposition."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C042","Precise assertion":"Federal ordinary collection clock starts after 180 days from DOFD and runs seven years.","Sources and pinpoint":"S005, §1681c(c). (U.S. Code)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C043","Precise assertion":"Sale, placement, payment, or settlement does not reset DOFD.","Sources and pinpoint":"S005, §§1681c(c), 1681s-2(a)(5). (U.S. Code)","Conditions, state-federal relationship, and confidence":"High synthesis from operative texts."},"coordinator_verification_status":"bounded_scope_or_negative_conclusion_holds_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"No universal absence, currentness, full Article 7 or actual-account acceptance. The 50-721, current-rules and case limits remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C044","Precise assertion":"Reporting-age period is distinct from debt validity, collectibility, and suit limitations.","Sources and pinpoint":"S005. (U.S. Code)","Conditions, state-federal relationship, and confidence":"High legal-layer distinction."},"coordinator_verification_status":"bounded_scope_or_negative_conclusion_holds_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"No universal absence, currentness, full Article 7 or actual-account acceptance. The 50-721, current-rules and case limits remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C045","Precise assertion":"Payment or settlement does not create a statutory automatic-deletion right.","Sources and pinpoint":"S005–S006. (eCFR)","Conditions, state-federal relationship, and confidence":"High bounded conclusion."},"coordinator_verification_status":"bounded_scope_or_negative_conclusion_holds_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"No universal absence, currentness, full Article 7 or actual-account acceptance. The 50-721, current-rules and case limits remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C046","Precise assertion":"Settlement and paid status must be reported accurately, including current balance where fully discharged.","Sources and pinpoint":"S005 §1681s-2(a)(2); S006 Appendix E. (U.S. Code)","Conditions, state-federal relationship, and confidence":"High conditional rule; actual settlement governs."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C047","Precise assertion":"Both seller and purchaser may report only if each entry remains accurate, complete, and not materially misleading.","Sources and pinpoint":"S006 Appendix E; S010. (Tenth Circuit)","Conditions, state-federal relationship, and confidence":"High conditional synthesis. No universal one-tradeline rule."},"coordinator_verification_status":"selected_statutory_or_guideline_text_checked_case_construction_unreopened","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Case-based interpretation and actual application remain held; no full primary acceptance.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C048","Precise assertion":"A furnisher’s omission can be actionable when it creates a materially misleading impression.","Sources and pinpoint":"S010, printed p.25/index 24. (Tenth Circuit)","Conditions, state-federal relationship, and confidence":"High published holding."},"coordinator_verification_status":"report_text_read_case_authority_unreopened","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Original holding, currentness and citation status remain researcher provenance only.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C049","Precise assertion":"Ward requires CRA dispute, actual inaccuracy/incompleteness, unreasonable investigation, injury, and causation for §1681s-2(b) claim.","Sources and pinpoint":"S009, printed p.15/index 14. (Tenth Circuit)","Conditions, state-federal relationship, and confidence":"High current Tenth Circuit holding."},"coordinator_verification_status":"report_text_read_case_authority_unreopened","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Original holding, currentness and citation status remain researcher provenance only.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C050","Precise assertion":"Ward requires the asserted inaccuracy to be objectively and readily verifiable.","Sources and pinpoint":"S009, printed pp.18–19/indices 17–18. (Tenth Circuit)","Conditions, state-federal relationship, and confidence":"High. Complex unresolved legal/credibility disputes generally fail that test."},"coordinator_verification_status":"report_text_read_case_authority_unreopened","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Original holding, currentness and citation status remain researcher provenance only.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C051","Precise assertion":"Investigation reasonableness turns on the information the CRA supplied to the furnisher.","Sources and pinpoint":"S011, printed pp.4–7/indices 3–6. (Tenth Circuit)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"report_text_read_case_authority_unreopened","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Original holding, currentness and citation status remain researcher provenance only.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C052","Precise assertion":"Kansas’s pre-1996 CRA timing and report-content laws fall within the textual grandfather exceptions of §1681t(b)(1)(B) and (E).","Sources and pinpoint":"S001; S005 §1681t. (U.S. Code)","Conditions, state-federal relationship, and confidence":"High textual conclusion; general inconsistency preemption remains."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C053","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C053","Precise assertion":"Federal law broadly preempts Kansas requirements concerning furnisher responsibilities under §1681s-2.","Sources and pinpoint":"S005, §1681t(b)(1)(F). (U.S. Code)","Conditions, state-federal relationship, and confidence":"High text; claim-specific preemption remains judicial."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C054","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C054","Precise assertion":"CFPB’s 2025 broad-preemption view is current but nonbinding interpretive guidance.","Sources and pinpoint":"S007, 90 Fed. Reg. 48710. (Federal Register)","Conditions, state-federal relationship, and confidence":"High status distinction."},"coordinator_verification_status":"selected_FRXML_status_checked_with_version_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected action, date, withdrawal and nonbinding text read; no full PDF, judicial or later-status audit.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C055","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C055","Precise assertion":"CFPB’s 2022 limited-preemption interpretation was withdrawn May 12, 2025.","Sources and pinpoint":"S007, 90 Fed. Reg. 20084. (Federal Register)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"selected_FRXML_status_checked_with_version_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected action, date, withdrawal and nonbinding text read; no full PDF, judicial or later-status audit.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C056","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C056","Precise assertion":"CFPB medical-debt rule was vacated July 11, 2025 and is not operative.","Sources and pinpoint":"S008. (Consumer Financial Protection Bureau)","Conditions, state-federal relationship, and confidence":"High current status. Detailed medical rules excluded."},"coordinator_verification_status":"agency_status_read_underlying_court_unreopened","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"No fresh judgment or order investigation; detailed medical scope remains excluded.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C057","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C057","Precise assertion":"CRA dispute, direct furnisher dispute, and FDCPA validation dispute have different recipients and consequences.","Sources and pinpoint":"S005, S006, S012. (U.S. Code)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"explicit_prior_coordinator_primary_read_reused","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"MT9 selected FDCPA/Regulation F body reuse only; no new KS11 source or research request.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C058","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C058","Precise assertion":"FDCPA timely written dispute can pause collection; FCRA reporting disputes do not generally do so.","Sources and pinpoint":"S012; S005–S006. (U.S. Code)","Conditions, state-federal relationship, and confidence":"High distinction."},"coordinator_verification_status":"explicit_prior_coordinator_primary_read_reused","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"MT9 selected FDCPA/Regulation F body reuse only; no new KS11 source or research request.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C059","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C059","Precise assertion":"Failure to produce an original signed contract does not automatically extinguish debt or require credit-report deletion.","Sources and pinpoint":"S005–S006, S009–S011.","Conditions, state-federal relationship, and confidence":"High synthesis; litigation-proof standards remain later."},"coordinator_verification_status":"selected_statutory_or_guideline_text_checked_case_construction_unreopened","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Case-based interpretation and actual application remain held; no full primary acceptance.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C060","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C060","Precise assertion":"Federal negative-information notice applies only to specified financial institutions and does not require them to furnish.","Sources and pinpoint":"S005, §1681s-2(a)(7). (U.S. Code)","Conditions, state-federal relationship, and confidence":"High."},"coordinator_verification_status":"selected_primary_text_checked_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected source body supports the narrow proposition; full currentness, claim, application and parent holds remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C061","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C061","Precise assertion":"A Kansas license or filing does not establish CRA status, furnisher authority, debt validity, or accuracy.","Sources and pinpoint":"S001–S006.","Conditions, state-federal relationship, and confidence":"High legal-layer distinction."},"coordinator_verification_status":"bounded_scope_or_negative_conclusion_holds_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"No universal absence, currentness, full Article 7 or actual-account acceptance. The 50-721, current-rules and case limits remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}},{"claim_id":"S_KS-P11-C062","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_KS-P11-C062","Precise assertion":"Actual account documents, furnishing data, consumer reports, settlement terms, and score impact remain unsupplied.","Sources and pinpoint":"Scope limitation.","Conditions, state-federal relationship, and confidence":"High. No account-specific conclusion."},"coordinator_verification_status":"bounded_scope_or_negative_conclusion_holds_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"No universal absence, currentness, full Article 7 or actual-account acceptance. The 50-721, current-rules and case limits remain.","pending_findings":[],"independent_review":false,"parent_acceptance":false}}],"sources":[{"source_id":"S_KS-P11-S001","urls":["https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0002_section/050_007_0002_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0003_section/050_007_0003_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0004_section/050_007_0004_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0006_section/050_007_0006_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0008_section/050_007_0008_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0009_section/050_007_0009_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0010_section/050_007_0010_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0011_section/050_007_0011_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0014_section/050_007_0014_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0015_section/050_007_0015_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0016_section/050_007_0016_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0017_section/050_007_0017_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0021_section/050_007_0021_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P11-S001","Title, issuer, and full direct literal URL":"Kansas Fair Credit Reporting Act, Kansas Revisor:\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0002_section/050_007_0002_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0003_section/050_007_0003_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0004_section/050_007_0004_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0006_section/050_007_0006_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0008_section/050_007_0008_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0009_section/050_007_0009_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0010_section/050_007_0010_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0011_section/050_007_0011_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0014_section/050_007_0014_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0015_section/050_007_0015_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0016_section/050_007_0016_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0017_section/050_007_0017_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0021_section/050_007_0021_k/","Exact text or page actually read":"Complete materially relevant definitions, permissible purposes, obsolete-information limits, accuracy procedures, file access, conditions of disclosure, CRA disputes, charges, adverse-action notice, limited remedies boundary, and enforcement authority","Version, access status, and limits":"Fresh Oct. 26, 2026 Pacific/UTC. Official pages label themselves 2026 Kansas Statutes. Website update timestamps are operational data, not amendment or effective dates. Sections 50-702 through 50-721 primarily date to 1973–1974. Not a complete historical or remedy audit. (Kansas Legislature)"},"coordinator_verification_status":"selected_coordinator_source_check_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Eleven selected codified section bodies read; not a whole Article 7, remedies or history audit. The 50-721 route failed once and was not retried. Q001 retains the conditional statement rule. Site labels are distinct from enactment/currentness proof.","independent_review":false,"read_map":"[internal evidence reference]"}},{"source_id":"S_KS-P11-S002","urls":["https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0023_section/050_007_0023_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0024_section/050_007_0024_k/","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0023_section/050_007_0023_k/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P11-S002","Title, issuer, and full direct literal URL":"Kansas security-freeze provisions:\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0023_section/050_007_0023_k/\nhttps://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0024_section/050_007_0024_k/","Exact text or page actually read":"Complete material §50-723(a)–(k) and §50-724","Version, access status, and limits":"Fresh. Current codified freeze text. Identity-theft remedies and protected-consumer freeze details excluded. (Kansas Legislature)"},"coordinator_verification_status":"selected_coordinator_source_check_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected 50-723(a)-(j) and complete 50-724 read. Q002 retains the national federal freeze overlay and preemption question. Existing collection-access exceptions and no-fee terms remain; no identity-theft or protected-consumer completion.","independent_review":false,"read_map":"[internal evidence reference]"}},{"source_id":"S_KS-P11-S003","urls":["https://rules.ks.gov/browse/collections/0ae1e448-f5a1-4e09-9d6d-a488ac7c284a/sections/619795f4-baaa-4f0c-8e5e-cf569f42d70d","https://osbckansas.gov/legal/administrative_interpretations_2026.pdf","https://osbckansas.gov/legal/guidance_2026.pdf","https://rules.ks.gov/browse/collections/0ae1e448-f5a1-4e09-9d6d-a488ac7c284a/sections/619795f4-baaa-4f0c-8e5e-cf569f42d70d?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P11-S003","Title, issuer, and full direct literal URL":"Kansas Secretary of State regulation catalog and OSBC interpretations:\nhttps://rules.ks.gov/browse/collections/0ae1e448-f5a1-4e09-9d6d-a488ac7c284a/sections/619795f4-baaa-4f0c-8e5e-cf569f42d70d\nhttps://osbckansas.gov/legal/administrative_interpretations_2026.pdf\nhttps://osbckansas.gov/legal/guidance_2026.pdf","Exact text or page actually read":"Official search result labels Article 7 “not in active use.” Bounded compilation searches for credit reporting, furnishing, paid or settled accounts, CRA disputes, and deletion found no pertinent interpretation","Version, access status, and limits":"Fresh bounded search. Direct rules resource produced an access/internal error in this session. No-match is not proof no unpublished or differently indexed authority exists. No PDF page is relied on for a substantive reporting rule. (Kansas Secretary of State)"},"coordinator_verification_status":"unreopened_researcher_provenance_only","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Prior official catalog, search, compilation and access descriptions preserved as researcher provenance. They were not reperformed. Known failed rule route was not retried; no regulatory-absence inference.","independent_review":false,"read_map":"[internal evidence reference]"}},{"source_id":"S_KS-P11-S004","urls":["https://law.justia.com/cases/kansas/court-of-appeals/1981/52-612-7.html","https://law.justia.com/cases/kansas/court-of-appeals/1981/52-612-7.html?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P11-S004","Title, issuer, and full direct literal URL":"Peasley v. TeleCheck of Kansas, Inc., Kansas Court of Appeals:\nhttps://law.justia.com/cases/kansas/court-of-appeals/1981/52-612-7.html","Exact text or page actually read":"6 Kan. App. 2d 990, 637 P.2d 437; CRA classification and duties at reported pages 997–998; summary-judgment posture throughout opinion","Version, access status, and limits":"Fresh selected read. Published Kansas Court of Appeals, decided Dec. 3, 1981. Public opinion reproduction; official Kansas PDF was not obtained. Reversed and remanded, not final merits liability. No full current citator performed. (Justia Law)"},"coordinator_verification_status":"unreopened_researcher_provenance_only","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Peasley opinion/reproduction not freshly reopened. Original access description and summary-judgment posture remain attributed. Current citation, later history and actual application remain unaccepted.","independent_review":false,"read_map":"[internal evidence reference]"}},{"source_id":"S_KS-P11-S005","urls":["https://uscode.house.gov/us/usc/119-118/t15/s1681c/","https://uscode.house.gov/us/usc/119-118/t15/s1681g/","https://uscode.house.gov/us/usc/119-118/t15/s1681h/","https://uscode.house.gov/us/usc/119-118/t15/s1681i/","https://uscode.house.gov/us/usc/119-118/t15/s1681j/","https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/","https://uscode.house.gov/us/usc/119-118/t15/s1681t/","https://uscode.house.gov/us/usc/119-118/t15/s1681s-2/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P11-S005","Title, issuer, and full direct literal URL":"Federal FCRA, OLRC:\nhttps://uscode.house.gov/us/usc/119-118/t15/s1681c/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1681g/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1681h/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1681i/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1681j/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1681s-2/\nhttps://uscode.house.gov/us/usc/119-118/t15/s1681t/","Exact text or page actually read":"Complete materially relevant obsolescence, file access, CRA dispute, free disclosure, furnisher duties, and preemption provisions","Version, access status, and limits":"Fresh. OLRC pages state law in effect through Public Law 119-120, Oct. 7, 2026. Medical, identity-theft, specialty, public-record, and full remedy provisions not comprehensively read. (U.S. Code)"},"coordinator_verification_status":"selected_coordinator_source_check_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected official GPO printed 1681c, c-1, g, h, i, j, s-2 and t bodies read; no revalidation of the dated OLRC source or full FCRA dossier. Q001, Q002 and Q004 qualify summaries, and Q003 concerns traceability. Original PL119-120/current-through provenance is unchanged; the actual print edition/current-through date was not established.","independent_review":false,"read_map":"[internal evidence reference]"},"coordinator_locator_aliases":{"actual_fresh_GPO_URLs":["https://www.govinfo.gov/link/uscode/15/1681c","https://www.govinfo.gov/link/uscode/15/1681c-1","https://www.govinfo.gov/link/uscode/15/1681g","https://www.govinfo.gov/link/uscode/15/1681h","https://www.govinfo.gov/link/uscode/15/1681i","https://www.govinfo.gov/link/uscode/15/1681j","https://www.govinfo.gov/link/uscode/15/1681s-2","https://www.govinfo.gov/link/uscode/15/1681t"],"original_researcher_access_not_reclassified":true}},{"source_id":"S_KS-P11-S006","urls":["https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.41","https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.42","https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43","https://www.ecfr.gov/current/title-12/chapter-X/part-1022/appendix-Appendix%20E%20to%20Part%201022","https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P11-S006","Title, issuer, and full direct literal URL":"Regulation V and Appendix E, eCFR:\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.41\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.42\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1022/appendix-Appendix%20E%20to%20Part%201022","Exact text or page actually read":"Complete materially relevant definitions, furnisher-policy rule, direct-dispute rule, and accuracy-and-integrity guidelines","Version, access status, and limits":"Fresh. eCFR displayed Title 12 current through Oct. 22, 2026 and last amended Oct. 2, 2026. eCFR is authoritative but unofficial. Appendix E is guidance incorporated through §1022.42, not an independent strict-liability checklist. (eCFR)"},"coordinator_verification_status":"selected_coordinator_source_check_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Complete operative 1022.41, .42, .43 and Appendix E read. Actor, exception, accepted-address, content, timing, notice and policy/guideline distinctions retained. Individual guidelines are not treated as independent strict-liability rules.","independent_review":false,"read_map":"[internal evidence reference]"}},{"source_id":"S_KS-P11-S007","urls":["https://www.federalregister.gov/documents/2025/10/28/2025-19671/fair-credit-reporting-act-preemption-of-state-laws","https://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal"],"researcher_record":{"Source ID":"S_KS-P11-S007","Title, issuer, and full direct literal URL":"CFPB FCRA preemption interpretation and withdrawal:\nhttps://www.federalregister.gov/documents/2025/10/28/2025-19671/fair-credit-reporting-act-preemption-of-state-laws\nhttps://www.federalregister.gov/documents/2025/05/12/2025-08286/interpretive-rules-policy-statements-and-advisory-opinions-withdrawal","Exact text or page actually read":"90 Fed. Reg. 48710–48714; action and applicability at printed 48710–48711; broad-preemption discussion at 48711–48714. Withdrawal at 90 Fed. Reg. 20084–20085","Version, access status, and limits":"Fresh. October 28, 2025 interpretation currently applicable but nonbinding; May 12, 2025 withdrawal removed the 2022 interpretation and other guidance. No court held itself bound by the 2025 interpretation in material reviewed here. (Federal Register)"},"coordinator_verification_status":"selected_coordinator_source_check_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Selected Federal Register XML interpretation, withdrawal, applicability and nonbinding-status text read, including the withdrawn 2022 FCRA item. No official PDF or current judicial-treatment audit; no case followed.","independent_review":false,"read_map":"[internal evidence reference]"}},{"source_id":"S_KS-P11-S008","urls":["https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/fair-credit-reporting-act/","https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/fair-credit-reporting-act/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P11-S008","Title, issuer, and full direct literal URL":"CFPB FCRA current-status page:\nhttps://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/fair-credit-reporting-act/","Exact text or page actually read":"Lines 31–39: July 11, 2025 medical-debt-rule vacatur and reference-only status; page last modified June 1, 2026","Version, access status, and limits":"Fresh. Used only to prevent reliance on the vacated rule. Detailed medical-debt reporting excluded. (Consumer Financial Protection Bureau)"},"coordinator_verification_status":"selected_coordinator_source_check_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"CFPB agency status lines 31-34 read for medical-rule vacatur/reference-only materials. Underlying court opinion/order not reopened; no specialized medical-rule acceptance.","independent_review":false,"read_map":"[internal evidence reference]"}},{"source_id":"S_KS-P11-S009","urls":["https://www.ca10.uscourts.gov/sites/ca10/files/opinions/010111472436.pdf","https://www.ca10.uscourts.gov/sites/ca10/files/opinions/010111472436.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P11-S009","Title, issuer, and full direct literal URL":"Ward v. National Credit Systems, Inc., Tenth Circuit official PDF:\nhttps://www.ca10.uscourts.gov/sites/ca10/files/opinions/010111472436.pdf","Exact text or page actually read":"Summary at printed page 2/PDF index 1; prima facie elements at printed page 15/index 14; objectively-and-readily-verifiable standard at printed pages 18–19/indices 17–18; disposition at printed page 26/index 25","Version, access status, and limits":"Fresh selected parsed and visual read. Published Tenth Circuit, No. 25-1078, filed July 20, 2026. Rule 50(b) denial reversed, judgment vacated, remand directed for judgment to furnisher. Identity-theft details excluded. (Tenth Circuit)"},"coordinator_verification_status":"unreopened_researcher_provenance_only","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Ward case not reopened; original holding, 2026 status and provenance remain attributed, not freshly verified.","independent_review":false,"read_map":"[internal evidence reference]"}},{"source_id":"S_KS-P11-S010","urls":["https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019026661.pdf","https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019026661.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P11-S010","Title, issuer, and full direct literal URL":"Llewellyn v. Allstate Home Loans, Inc., Tenth Circuit official PDF:\nhttps://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019026661.pdf","Exact text or page actually read":"FCRA framework at printed page 8/PDF index 7; materially misleading omission at printed page 25/index 24; deadline at printed page 26/index 25","Version, access status, and limits":"Fresh selected parsed and visual read. Published, 711 F.3d 1173, filed Mar. 28, 2013. Relevant summary judgment reversed and remanded; no final liability adjudication in opinion. (Tenth Circuit)"},"coordinator_verification_status":"unreopened_researcher_provenance_only","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Llewellyn case not reopened; original holding, history and provenance remain attributed, not freshly verified as controlling.","independent_review":false,"read_map":"[internal evidence reference]"}},{"source_id":"S_KS-P11-S011","urls":["https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019656034.pdf","https://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019656034.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P11-S011","Title, issuer, and full direct literal URL":"Maiteki v. Marten Transportation, LLC, Tenth Circuit official PDF:\nhttps://www.ca10.uscourts.gov/sites/ca10/files/opinions/01019656034.pdf","Exact text or page actually read":"Investigation standard at printed pages 4–7/PDF indices 3–6; conclusion at printed page 8/index 7","Version, access status, and limits":"Fresh selected parsed and visual read. Published, 828 F.3d 1272, filed July 13, 2016. Summary judgment for furnisher affirmed. Employment reporting facts limit the case’s ordinary-debt application. (Tenth Circuit)"},"coordinator_verification_status":"unreopened_researcher_provenance_only","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Maiteki case not reopened; specialty-setting description and provenance remain attributed, not freshly case-verified.","independent_review":false,"read_map":"[internal evidence reference]"}},{"source_id":"S_KS-P11-S012","urls":["https://uscode.house.gov/us/usc/119-118/t15/s1692g/","https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.34","https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.38","https://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.42","https://uscode.house.gov/us/usc/119-118/t15/s1692g/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P11-S012","Title, issuer, and full direct literal URL":"Necessary FDCPA validation comparison:\nhttps://uscode.house.gov/us/usc/119-118/t15/s1692g/\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.34\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.38\nhttps://www.ecfr.gov/current/title-12/chapter-X/part-1006/subpart-B/section-1006.42","Exact text or page actually read":"Complete material written-dispute, collection-pause, validation, and delivery provisions used only for channel comparison","Version, access status, and limits":"Fresh targeted read. No full FDCPA communication, validation, or remedy rerun. (U.S. Code)"},"coordinator_verification_status":"selected_coordinator_source_check_with_limits","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Earlier MT9 coordinator statutory and Regulation F reads explicitly reused only for channel comparison. No fresh KS11 FDCPA fetch or model request. Source-currentness, application and actual collector/debt/notice predicates remain held.","independent_review":false,"read_map":"[internal evidence reference]"}},{"source_id":"S_KS-P11-S013","urls":["https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf","https://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_KS-P11-S013","Title, issuer, and full direct literal URL":"Henson v. Santander Consumer USA Inc., U.S. Supreme Court official PDF:\nhttps://www.supremecourt.gov/opinions/16pdf/16-349_c07d.pdf","Exact text or page actually read":"Opinion printed pages 1–3/PDF indices 2–4","Version, access status, and limits":"Fresh targeted read. Unanimous decision, June 12, 2017. Resolves only “owed another” definitional branch; principal-purpose branch expressly not decided. (Supreme Court)"},"coordinator_verification_status":"unreopened_researcher_provenance_only","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","scope_note":"Henson case not reopened. Original owed-another versus principal-purpose distinction remains researcher provenance, not fresh case acceptance.","independent_review":false,"read_map":"[internal evidence reference]"}}],"coverage":[{"topic":"Kansas CRA definitions","researcher_record":{"Assigned issue":"Kansas CRA definitions","Status":"Answered","Claims":"C001–C003","Exact missing evidence or next action":"Entity-specific operations and jurisdiction"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Kansas permissible-purpose collection access","researcher_record":{"Assigned issue":"Kansas permissible-purpose collection access","Status":"Answered","Claims":"C004","Exact missing evidence or next action":"Actual user, account, and purpose"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Kansas maximum-accuracy duty","researcher_record":{"Assigned issue":"Kansas maximum-accuracy duty","Status":"Answered","Claims":"C005","Exact missing evidence or next action":"Report-specific facts"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Kansas consumer file access","researcher_record":{"Assigned issue":"Kansas consumer file access","Status":"Answered","Claims":"C006","Exact missing evidence or next action":"Actual CRA and identification process"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Kansas CRA dispute procedure","researcher_record":{"Assigned issue":"Kansas CRA dispute procedure","Status":"Answered","Claims":"C007–C012","Exact missing evidence or next action":"No controlling modern case defining “reasonable period” located"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Kansas direct-furnisher dispute law","researcher_record":{"Assigned issue":"Kansas direct-furnisher dispute law","Status":"No comprehensive counterpart verified","Claims":"C017–C018","Exact missing evidence or next action":"Unpublished orders, sector rules, later enactments"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Kansas state paid/settled-debt deletion duty","researcher_record":{"Assigned issue":"Kansas state paid/settled-debt deletion duty","Status":"No automatic duty verified","Claims":"C045–C046","Exact missing evidence or next action":"Actual settlement promise or other law"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Kansas state disputed-status duty","researcher_record":{"Assigned issue":"Kansas state disputed-status duty","Status":"Answered at CRA level","Claims":"C010–C011","Exact missing evidence or next action":"State furnisher-level rule not verified"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Kansas obsolete collection reporting","researcher_record":{"Assigned issue":"Kansas obsolete collection reporting","Status":"Answered textually","Claims":"C013–C014","Exact missing evidence or next action":"Exact interaction with every federal exception and report type"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Kansas freeze","researcher_record":{"Assigned issue":"Kansas freeze","Status":"Answered narrowly","Claims":"C015–C016","Exact missing evidence or next action":"Fraud alerts, identity-theft blocks, protected consumers excluded"},"coordinator_acceptance":"reviewed_bounded_corrections_pending_UNSENT","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":["S_KS-P11-Q002"],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Kansas active implementing regulations","researcher_record":{"Assigned issue":"Kansas active implementing regulations","Status":"Not retrieved; catalog says inactive","Claims":"C018","Exact missing evidence or next action":"Full archival/rule-history search later"},"coordinator_acceptance":"reviewed_existing_gap_or_exclusion_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Kansas regulator interpretations","researcher_record":{"Assigned issue":"Kansas regulator interpretations","Status":"None located in bounded current compilation","Claims":"C017–C018","Exact missing evidence or next action":"Administrative/enforcement docket later"},"coordinator_acceptance":"reviewed_existing_gap_or_exclusion_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Federal CRA file access","researcher_record":{"Assigned issue":"Federal CRA file access","Status":"Answered generally","Claims":"C020–C025","Exact missing evidence or next action":"Specialty reports and score disclosures later"},"coordinator_acceptance":"reviewed_bounded_corrections_pending_UNSENT","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":["S_KS-P11-Q003"],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Federal CRA dispute deadline","researcher_record":{"Assigned issue":"Federal CRA dispute deadline","Status":"Answered","Claims":"C020–C024","Exact missing evidence or next action":"Actual receipt date and extension facts"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"CRA furnisher-notice deadline","researcher_record":{"Assigned issue":"CRA furnisher-notice deadline","Status":"Answered","Claims":"C021","Exact missing evidence or next action":"Actual transmittal records"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"CRA frivolous dispute","researcher_record":{"Assigned issue":"CRA frivolous dispute","Status":"Answered in substantive findings","Claims":"C020–C024","Exact missing evidence or next action":"Actual notice and missing information"},"coordinator_acceptance":"reviewed_bounded_corrections_pending_UNSENT","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":["S_KS-P11-Q003"],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"CRA correction/deletion","researcher_record":{"Assigned issue":"CRA correction/deletion","Status":"Answered","Claims":"C022","Exact missing evidence or next action":"Actual investigation results"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Reinsertion","researcher_record":{"Assigned issue":"Reinsertion","Status":"Answered","Claims":"C023","Exact missing evidence or next action":"Actual certification and notice"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Consumer statement/prior-recipient notice","researcher_record":{"Assigned issue":"Consumer statement/prior-recipient notice","Status":"Answered","Claims":"C010–C011, C025","Exact missing evidence or next action":"Actual request and recipients"},"coordinator_acceptance":"reviewed_bounded_corrections_pending_UNSENT","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":["S_KS-P11-Q001"],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Furnisher accuracy and updates","researcher_record":{"Assigned issue":"Furnisher accuracy and updates","Status":"Answered","Claims":"C026–C030","Exact missing evidence or next action":"Actual furnishing and determination"},"coordinator_acceptance":"reviewed_bounded_corrections_pending_UNSENT","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":["S_KS-P11-Q004"],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"CRA-notified furnisher investigation","researcher_record":{"Assigned issue":"CRA-notified furnisher investigation","Status":"Answered","Claims":"C031–C032","Exact missing evidence or next action":"Actual CRA notice and furnished data"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Direct furnisher dispute","researcher_record":{"Assigned issue":"Direct furnisher dispute","Status":"Answered","Claims":"C034–C039","Exact missing evidence or next action":"Proper address, notice, and documentation"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Direct-dispute exclusions","researcher_record":{"Assigned issue":"Direct-dispute exclusions","Status":"Answered","Claims":"C035","Exact missing evidence or next action":"Actual dispute source and subject"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Frivolous/repetitive direct dispute","researcher_record":{"Assigned issue":"Frivolous/repetitive direct dispute","Status":"Answered","Claims":"C039","Exact missing evidence or next action":"Whether new information is material"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"FCRA collection pause","researcher_record":{"Assigned issue":"FCRA collection pause","Status":"Not created","Claims":"C038, C057–C058","Exact missing evidence or next action":"Separate FDCPA status and timing"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Original signed-contract production","researcher_record":{"Assigned issue":"Original signed-contract production","Status":"No universal duty established","Claims":"C038, C059","Exact missing evidence or next action":"Contract-copy and litigation proof later"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Furnisher policies and procedures","researcher_record":{"Assigned issue":"Furnisher policies and procedures","Status":"Answered","Claims":"C040–C041","Exact missing evidence or next action":"Actual written policies unavailable"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"DOFD reporting","researcher_record":{"Assigned issue":"DOFD reporting","Status":"Answered","Claims":"C029–C030","Exact missing evidence or next action":"Actual creditor records"},"coordinator_acceptance":"reviewed_bounded_corrections_pending_UNSENT","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":["S_KS-P11-Q004"],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Seven-year/180-day clock","researcher_record":{"Assigned issue":"Seven-year/180-day clock","Status":"Answered","Claims":"C042–C044","Exact missing evidence or next action":"Actual DOFD and exceptional report purpose"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Sale resetting clock","researcher_record":{"Assigned issue":"Sale resetting clock","Status":"Answered—no reset","Claims":"C043","Exact missing evidence or next action":"Actual furnished date may still be wrong"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Payment/settlement deletion","researcher_record":{"Assigned issue":"Payment/settlement deletion","Status":"Answered—no automatic deletion","Claims":"C045","Exact missing evidence or next action":"Private deletion agreement remains fact-dependent"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Paid/settled balance/status","researcher_record":{"Assigned issue":"Paid/settled balance/status","Status":"Answered conditionally","Claims":"C046","Exact missing evidence or next action":"Actual settlement terms"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Duplicate transferred accounts","researcher_record":{"Assigned issue":"Duplicate transferred accounts","Status":"Partial; accuracy-driven","Claims":"C041, C047–C048","Exact missing evidence or next action":"Actual tradelines and transfer records"},"coordinator_acceptance":"reviewed_existing_gap_or_exclusion_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Original/current creditor identification","researcher_record":{"Assigned issue":"Original/current creditor identification","Status":"Partial; accuracy-driven","Claims":"C041, C050","Exact missing evidence or next action":"Actual ownership and complexity of dispute"},"coordinator_acceptance":"reviewed_existing_gap_or_exclusion_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Voluntary account closure","researcher_record":{"Assigned issue":"Voluntary account closure","Status":"Answered in federal substantive section","Claims":"C026–C028","Exact missing evidence or next action":"Actual furnishing practice"},"coordinator_acceptance":"reviewed_bounded_corrections_pending_UNSENT","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":["S_KS-P11-Q003"],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Negative-information notice","researcher_record":{"Assigned issue":"Negative-information notice","Status":"Answered narrowly","Claims":"C060","Exact missing evidence or next action":"Financial-institution status"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Private-action boundary","researcher_record":{"Assigned issue":"Private-action boundary","Status":"Answered only as necessary","Claims":"C033, C049","Exact missing evidence or next action":"Full standing, damages, causation, limitation later"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Kansas/FCRA preemption","researcher_record":{"Assigned issue":"Kansas/FCRA preemption","Status":"Answered at text/interpretive level","Claims":"C052–C055","Exact missing evidence or next action":"Claim-specific court application"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Current CFPB preemption rule","researcher_record":{"Assigned issue":"Current CFPB preemption rule","Status":"Answered as nonbinding interpretation","Claims":"C054–C055","Exact missing evidence or next action":"Later judicial treatment"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Medical-debt final rule","researcher_record":{"Assigned issue":"Medical-debt final rule","Status":"Answered as vacated","Claims":"C056","Exact missing evidence or next action":"Detailed medical reporting remains excluded"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"CRA dispute vs direct dispute vs validation","researcher_record":{"Assigned issue":"CRA dispute vs direct dispute vs validation","Status":"Answered","Claims":"C057–C058","Exact missing evidence or next action":"Actual actor/debt/status facts"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Debt-buyer federal scope","researcher_record":{"Assigned issue":"Debt-buyer federal scope","Status":"Partial","Claims":"S013; substantive findings","Exact missing evidence or next action":"Principal-purpose facts not supplied"},"coordinator_acceptance":"reviewed_bounded_corrections_pending_UNSENT","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":["S_KS-P11-Q003"],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Peasley Kansas CRA holding","researcher_record":{"Assigned issue":"Peasley Kansas CRA holding","Status":"Answered with posture limit","Claims":"C019","Exact missing evidence or next action":"Full citator not performed"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Current Tenth Circuit furnisher standard","researcher_record":{"Assigned issue":"Current Tenth Circuit furnisher standard","Status":"Answered","Claims":"C049–C051","Exact missing evidence or next action":"Later petitions/citator not fully audited"},"coordinator_acceptance":"reviewed_scoped_with_source_case_currentness_application_holds","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Marketing promises and bureau policies","researcher_record":{"Assigned issue":"Marketing promises and bureau policies","Status":"Excluded as nonlaw unless contract supplied","Claims":"C045–C046","Exact missing evidence or next action":"Actual voluntary policy or agreement"},"coordinator_acceptance":"reviewed_existing_gap_or_exclusion_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Actual credit score or eligibility effect","researcher_record":{"Assigned issue":"Actual credit score or eligibility effect","Status":"Unresolved and fact-specific","Claims":"C062","Exact missing evidence or next action":"Actual reports, scoring model, lender criteria"},"coordinator_acceptance":"reviewed_existing_gap_or_exclusion_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Specialty tenant/employment/insurance reports","researcher_record":{"Assigned issue":"Specialty tenant/employment/insurance reports","Status":"Excluded","Claims":"—","Exact missing evidence or next action":"Separate specialty-report pass"},"coordinator_acceptance":"reviewed_existing_gap_or_exclusion_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Medical debt and privacy","researcher_record":{"Assigned issue":"Medical debt and privacy","Status":"Excluded except vacatur status","Claims":"C056","Exact missing evidence or next action":"Separate medical pass"},"coordinator_acceptance":"reviewed_existing_gap_or_exclusion_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Identity theft and coercion restoration","researcher_record":{"Assigned issue":"Identity theft and coercion restoration","Status":"Excluded","Claims":"—","Exact missing evidence or next action":"Separate identity-theft pass"},"coordinator_acceptance":"reviewed_existing_gap_or_exclusion_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Mortgages, repossessions, child support, taxes, education","researcher_record":{"Assigned issue":"Mortgages, repossessions, child support, taxes, education","Status":"Excluded","Claims":"—","Exact missing evidence or next action":"Sector-specific passes"},"coordinator_acceptance":"reviewed_existing_gap_or_exclusion_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Bankruptcy procedure and public records","researcher_record":{"Assigned issue":"Bankruptcy procedure and public records","Status":"Excluded","Claims":"—","Exact missing evidence or next action":"Separate reporting/litigation pass"},"coordinator_acceptance":"reviewed_existing_gap_or_exclusion_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Ordinary debt limitations/revival","researcher_record":{"Assigned issue":"Ordinary debt limitations/revival","Status":"Excluded","Claims":"C044","Exact missing evidence or next action":"Separate limitations pass"},"coordinator_acceptance":"reviewed_existing_gap_or_exclusion_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Litigation proof/admissibility","researcher_record":{"Assigned issue":"Litigation proof/admissibility","Status":"Excluded","Claims":"C059","Exact missing evidence or next action":"Separate collection-litigation pass"},"coordinator_acceptance":"reviewed_existing_gap_or_exclusion_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Full remedies/damages/limitations","researcher_record":{"Assigned issue":"Full remedies/damages/limitations","Status":"Excluded except necessary boundaries","Claims":"C033, C049","Exact missing evidence or next action":"Separate remedies pass"},"coordinator_acceptance":"reviewed_existing_gap_or_exclusion_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Local, tribal, and country law","researcher_record":{"Assigned issue":"Local, tribal, and country law","Status":"Excluded","Claims":"—","Exact missing evidence or next action":"Separate jurisdictional passes"},"coordinator_acceptance":"reviewed_existing_gap_or_exclusion_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Actual provider/account lookup","researcher_record":{"Assigned issue":"Actual provider/account lookup","Status":"Not performed","Claims":"C062","Exact missing evidence or next action":"No named account/provider facts supplied"},"coordinator_acceptance":"reviewed_existing_gap_or_exclusion_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}},{"topic":"Component/state/parent/A066 acceptance","researcher_record":{"Assigned issue":"Component/state/parent/A066 acceptance","Status":"Not evaluated","Claims":"—","Exact missing evidence or next action":"No acceptance follows from PASS-11"},"coordinator_acceptance":"reviewed_existing_gap_or_exclusion_retained","coordinator_review":{"at":"2026-10-29T03:11:52.384689+00:00","review_file":"[internal evidence reference]","pending_findings":[],"original_next_actions_preserved":true,"all_claims_primary_accepted":false}}],"annotations":{},"corrections":[{"issue_id":"S_KS-P11-Q001","finding":"A3 and B2 describe a 100-word statement limit without making assistance a condition; A3 states a general assistance duty. K.S.A. 50-710(b) and 15 U.S.C. 1681i(b) allow a brief statement and permit a 100-word cap only if the CRA supplies assistance. Subsequent-report notation also retains the frivolous or irrelevant qualification in subsection (c).","affected_claim_ids":[],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0010_section/050_007_0010_k/","https://www.govinfo.gov/link/uscode/15/1681i"],"localization":"report_level_pending_localization_required","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"S_KS-P11-Q002","finding":"A5, C015 and the operational freeze matrix give older Kansas five-business-day placement and three-business-day removal without the federal national-CRA channel rules or a resolved 1681t(b)(1)(J) boundary. The national-freeze text specifies one-business-day telephone/electronic and three-business-day mail placement, and one-hour telephone/electronic and three-business-day mail removal. The state PIN clock is ten business days after placement, not after request.","affected_claim_ids":[],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://www.govinfo.gov/link/uscode/15/1681c-1","https://www.govinfo.gov/link/uscode/15/1681t","https://www.kslegislature.gov/b2025_26/laws/050_000_0000_chapter/050_007_0000_article/050_007_0023_section/050_007_0023_k/"],"localization":"report_level_pending_localization_required","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"S_KS-P11-Q003","finding":"Coverage links Federal CRA file access to C020-C025 (reinvestigation, not file disclosure); CRA frivolous dispute to C020-C024 (none states the frivolous-dispute notice); voluntary account closure to C026-C028 (accuracy, updating and dispute, not subsection (a)(4)); and debt-buyer federal scope to source S013 rather than an atomic claim.","affected_claim_ids":[],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://www.govinfo.gov/link/uscode/15/1681g","https://www.govinfo.gov/link/uscode/15/1681h","https://www.govinfo.gov/link/uscode/15/1681j","https://www.govinfo.gov/link/uscode/15/1681i","https://www.govinfo.gov/link/uscode/15/1681s-2"],"localization":"report_level_pending_localization_required","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"S_KS-P11-Q004","finding":"The Executive summary, B4 and C026 omit subsection (a)(1)(C): a clearly and conspicuously specified notice address removes subparagraph (A) applicability, while subparagraph (B) retains actual-notice and inaccuracy predicates. C1 and C030 present the subsection (a)(5)(B) DOFD fallback as a general command, omitting its paragraph-only scope and condition that the consumer does not dispute the information.","affected_claim_ids":[],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://www.govinfo.gov/link/uscode/15/1681s-2"],"localization":"report_level_pending_localization_required","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."}],"resolved_corrections":[],"review_history":[{"id":"S_KS-P11-scoped-review-20261029","status":"reviewed_Q001_Q004_pending_UNSENT_source_case_application_holds","at":null}]}