{"meta":{"key":"s_ne--pass-10","task":"S_NE","title":"SNE Nebraska ordinary consumer-debt credit reporting, furnishing, and dispute overlays","parent_title":"Nebraska debt and debt relief law","edition":"pass-10","path":"/research/s_ne--pass-10/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":6,"claims":60,"sources":14,"review_status":"four_bounded_accuracy_statement_locator_and_expedited_exception_corrections_pending_UNSENT","review_complete":true,"sha256":"6db8093c0266602092310fcc6a06a090035de31750d5679b8fa8ef819e1bd447","headings":["Executive determination","B1. Consumer-file access under §20-149","Charge and format limits","B2. Nebraska Credit Report Protection Act","Federal preemption of overlapping freeze rules","What a freeze does not do","B3. Nebraska installment-loan false-reporting restriction","B4. No general Nebraska furnisher-dispute statute verified","B5. Historical Nebraska CRA settlement","C1. Federal file disclosure","C2. CRA dispute trigger and timing","C3. Furnisher notification","C4. Frivolous or irrelevant CRA dispute","C5. Correction, deletion, and unverifiable information","C6. Reinserted information","C7. Results and procedure description","C8. Consumer dispute statement and prior recipients","C9. Reseller disputes","D1. General accuracy and correction duties","D2. Disputed-status furnishing","D3. Voluntary account closure","D4. Date of first delinquency","D5. Financial-institution negative-information notice","D6. Regulation V direct dispute","Proper address and submission content","Direct-dispute exclusions","Furnisher response","D7. Frivolous or irrelevant direct dispute","D8. CRA-routed furnisher dispute","D9. Furnisher policies and transfer controls","D10. Enforcement boundary","F1. Ordinary collection and charge-off period","F2. Limited high-value exceptions","F3. Payment and settlement","F4. Disputed status","F5. Purchased, assigned, or serviced accounts","F6. Owner and original-creditor identification","H1. Johnson v. Freedom Mortgage Corp. — Eighth Circuit, 2026","H2. Anderson v. EMC Mortgage Corp. — Eighth Circuit, 2011","H3. Lloyd v. FedLoan Servicing — Eighth Circuit, 2024","H4. No controlling Nebraska appellate ordinary-debt reporting decision located","H5. Current CFPB preemption interpretation","H6. Medical-debt rule status boundary","Example 1 — CRA dispute, direct furnisher dispute, and FDCPA validation","Hypothetical account","CRA route","Direct furnisher route","FDCPA validation route","Example 2 — Standard CRA reinvestigation timeline","Example 3 — Direct dispute deemed incomplete","Example 4 — Paid settlement versus deletion","Example 5 — Sale does not reset reporting clock","Example 6 — Original creditor and debt-buyer tradelines","Example 7 — CRA deletion and reinsertion","Example 8 — Direct dispute finds wrong balance","Example 9 — CRA-routed dispute with limited notice","Example 10 — Consumer statement and notification to prior users","Example 11 — Nebraska file-copy request","Example 12 — Security freeze and existing collection","Example 13 — Financial-institution negative-information notice"],"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_NE/pass-10","facets":{"geography":["us","us-ne"],"debt_type":[],"stage":[],"subject":["credit-reporting"]},"scope":"Distinct ordinary consumer-debt reporting/furnishing/CRA-directdispute overlay fromregistryitem2; P8/P9unreviewed no premise; sectors/identitytheft/fullremedies later.","pending_corrections":4},"markdown":"# S_NE PASS-10 — Nebraska ordinary consumer-debt credit reporting, furnishing, and dispute overlays\n\n**Actual fresh research date:** October 26, 2026, Pacific time / October 26, 2026 UTC\n**Mode/model:** Regular Chat; GPT-5.6 Sol Pro\n**Review status:** Same-project continuation, **not independent review**.\n\nThis pass covers ordinary consumer-debt furnishing, consumer-file access, CRA disputes, direct furnisher disputes, account-status reporting, reporting-age rules, corrections, deletions, reinsertion, ordinary account transfers, and Nebraska’s limited state layer.\n\nIt does **not** accept the unreviewed conclusions in PASS-06 through PASS-09. Necessary actor, transaction, federal-validation, and collection distinctions were freshly inspected only as needed here. Medical-debt and medical-privacy rules, identity-theft blocking and coercion-restoration procedures, specialty tenant/employment/insurance reports, mortgages and repossession as sectors, child support, taxes, education reporting, bankruptcy procedure, ordinary debt limitations and revival, collection litigation, remedies calculations, and local or tribal rules remain separate required components.\n\n## Executive determination\n\nNebraska has a limited but real state credit-reporting layer:\n\n1. A consumer reporting agency doing business in Nebraska must, after a qualifying request and identification, provide a copy of the reports or file information it maintains and a key to any codes used. Nebraska’s statute is expressly tied to federal §§1681g–1681j as they existed on January 1, 2016. Federal law independently requires free disclosures in several circumstances, including the annual disclosure route, so Nebraska’s reference to a “reasonable charge” does not authorize charging for a disclosure that federal law requires to be free. The exact currently adjusted federal charge for an otherwise chargeable disclosure was not verified and is held. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=20-149&utm_source=chatgpt.com))\n2. Nebraska’s Credit Report Protection Act remains codified and contains state security-freeze procedures, but Congress expressly preempts state “requirements or prohibitions” concerning the national security-freeze provisions. The current federal freeze timing therefore controls the overlapping nationwide-CRA workflow: one business day for a telephone or secure-electronic placement request, three business days for mail, and confirmation within five business days. The precise survival of any nonoverlapping Nebraska provisions has not been resolved by a located Nebraska or Eighth Circuit decision. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681t/?utm_source=chatgpt.com))\n3. Nebraska does not have a verified general state counterpart to the federal CRA reinvestigation and furnisher-dispute system for ordinary debts. The most relevant Nebraska furnisher-specific restriction located is narrow: an installment-loan licensee collecting a covered loan may not communicate or threaten to communicate credit information known to be false. That is not a universal Nebraska furnisher statute covering every creditor, collector, buyer, or servicer. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=45-372&utm_source=chatgpt.com))\n4. The ordinary operational system is therefore principally federal:A CRA dispute goes to the CRA and triggers a reasonable reinvestigation, normally within 30 days.The CRA must notify the furnisher within five business days and send all relevant information.A direct furnisher dispute goes to the furnisher’s designated dispute address and must contain sufficient account, issue, basis, and supporting information.An FDCPA validation dispute goes to a covered debt collector and, if timely and written, pauses collection.These are three different workflows. Neither a CRA dispute nor a Regulation V direct furnisher dispute creates the FDCPA collection pause. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681i/?utm_source=chatgpt.com))\n5. A furnisher that determines information is incomplete or inaccurate must correct it and stop refurnishing the uncorrected information. If a consumer disputes furnished information directly with the furnisher, continued furnishing must include notice that the information is disputed. For a CRA-routed dispute, the furnisher must investigate, review all information supplied by the CRA, report the result, and modify, delete, or permanently block reporting when the item is inaccurate, incomplete, or unverifiable. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681s-2/?utm_source=chatgpt.com))\n6. Payment or settlement does not create an automatic federal deletion right. A fully resolved account generally must be reported accurately—for example, with the correct zero balance and an accurate paid or settled status—but a consumer cannot infer mandatory removal merely from payment, settlement, or a marketing promise. Sale or placement of the account also does not restart the ordinary reporting period. The controlling event is the delinquency immediately preceding collection, charge-off, or similar action. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681c/?utm_source=chatgpt.com))\n7. The ordinary collection or charge-off reporting formula is:\n\nPlain text\n```\nD0 = commencement of the delinquency immediately preceding\n     collection, charge-off, or similar action\n\nA  = D0 + 180 days\n\nOrdinary exclusion point = A + 7 years\n```\n\nA later sale, assignment, payment, settlement, renewed collection effort, or placement with another agency does not create a new D0 under the statutory date-of-delinquency architecture. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681c/?utm_source=chatgpt.com))\n\n1. Current Eighth Circuit law is fact-sensitive. *Johnson v. Freedom Mortgage Corp.*—filed February 2, 2026—holds that the scope of a furnisher’s §1681s-2(b) investigation depends significantly on what the CRA actually told the furnisher about the dispute. A short, conclusory CRA notice can justify a more limited account-history investigation; the decision does not approve cursory investigation where the transmitted dispute is detailed or documents reveal a different issue. ([ecf.ca8.uscourts.gov](https://ecf.ca8.uscourts.gov/opndir/26/02/242787P.pdf?utm_source=chatgpt.com))\n\n# A. State and federal actor-duty matrix\n\n| Actor | Trigger and proper channel | Required action or information | Deadline | Collection/reporting consequence | Governing layer |\n| --- | --- | --- | --- | --- | --- |\n| **Consumer reporting agency doing business in Nebraska** | Consumer, protected consumer, or representative requests file information and satisfies identification requirements | Typewritten or photostatic copy of report/file information; key to any code used | No separate Nebraska response deadline in §20-149 | Access right only; does not itself correct or dispute an item | Nebraska §20-149 plus incorporated federal access conditions |\n| **Nationwide CRA—annual file request** | Request through federally prescribed centralized source | All §1681g file disclosures | No later than 15 days after receipt | No charge; subsequent dispute may use special 45-day reinvestigation period | Federal §§1681g, 1681j |\n| **CRA receiving ordinary accuracy dispute** | Consumer notifies CRA directly or through reseller | Reasonable reinvestigation; notify furnisher; review relevant information; delete or modify inaccurate, incomplete, or unverifiable item; send results | Normally 30 days from CRA receipt; up to 15 additional days when qualifying new information arrives | No automatic collection pause; report must be corrected or item deleted when statutory result requires | Federal §1681i |\n| **CRA finding dispute frivolous or irrelevant** | Insufficient information or another reasonable statutory basis | Notice stating reason and information needed | Within five business days after determination | Reinvestigation may terminate; debt or tradeline is not thereby established as valid | Federal §1681i(a)(3) |\n| **CRA reinserting deleted information** | Furnisher certifies that item is complete and accurate | Reinsert only after certification; notify consumer and identify furnisher; explain statement right | Notice within five business days after reinsertion | Reinsertion is not categorically barred, but anti-reappearance procedures apply | Federal §1681i(a)(5) |\n| **Reseller receiving dispute** | Consumer disputes an item in a reseller-produced report | Determine within five business days whether reseller caused error; correct/delete if so; otherwise forward to source CRA and reconvey result | Five business days for classification; 20 days for reseller-caused correction | Does not create collection pause | Federal §1681i(f) |\n| **Original creditor, collector, servicer, or debt buyer that furnishes data** | Furnishing information in ordinary course | Do not furnish information known or reasonably believed inaccurate; promptly correct/update identified incomplete or inaccurate information | Prompt; no single universal number for general correction | Continued furnishing must be complete and accurate | Federal §1681s-2(a) |\n| **Furnisher receiving consumer dispute directly** | Dispute sent to proper address and contains sufficient account, issue, basis, and supporting information | Reasonable investigation; review relevant information; send result to consumer; notify every CRA previously given inaccurate information if correction required | Same outside period that would govern CRA action under §1681i | No FCRA collection pause; inaccurate furnishing must be corrected | Regulation V §1022.43 |\n| **Furnisher receiving dispute through CRA** | CRA sends §1681i(a)(2) notice and all relevant consumer information | Investigate; review CRA information; report result; notify other nationwide CRAs if incomplete/inaccurate; modify, delete, or permanently block inaccurate, incomplete, or unverifiable information | Before CRA’s reinvestigation deadline | This is the principal privately enforceable furnisher-dispute branch; no automatic collection pause | Federal §1681s-2(b) |\n| **Furnisher after direct consumer dispute** | Consumer disputes completeness or accuracy to furnisher | If furnishing continues, report that item is disputed | While information remains disputed | CRA must indicate dispute in reports after receiving furnisher notice | Federal §§1681s-2(a)(3), 1681c(f) |\n| **Furnisher reporting collection or charge-off** | Delinquent account placed for collection, charged off, or similarly treated | Supply original date of delinquency—the month and year of delinquency immediately preceding that action | Within 90 days after first furnishing the collection/charge-off information | Prevents re-aging; sale or new collector should not reset the date | Federal §1681s-2(a)(5) |\n| **Financial institution regularly furnishing negative information** | First furnishing of delinquency, late payment, insolvency, or default to nationwide CRA | Written notice to customer | Before or no later than 30 days after furnishing | One notice can cover later negative furnishing on same transaction/account | Federal §1681s-2(a)(7) |\n| **Nebraska installment-loan licensee** | Collecting a loan covered by Nebraska Installment Loan and Sales Act | May not communicate or threaten to communicate credit information known to be false | Ongoing | State regulatory prohibition; not a comprehensive general furnisher-dispute system | Nebraska §45-372(7)(i) |\n| **Covered FDCPA debt collector** | Timely written validation dispute within federal validation period | Obtain and send verification or judgment before resuming collection | No fixed verification-completion deadline; pause lasts until compliant response | Collection of debt or disputed part pauses | Federal §1692g—not the CRA or direct-furnisher process |\n\n# B. Nebraska-specific reporting layer\n\n## B1. Consumer-file access under §20-149\n\nNebraska §20-149 applies to a consumer reporting agency “doing business” in Nebraska that is required to furnish information under federal §§1681g–1681j as those sections existed January 1, 2016. After a request and compliance with federal identification conditions, the agency must provide the consumer, protected consumer, or authorized representative with:\n\n- a typewritten or photostatic copy of any consumer report;\n- an investigative report;\n- a credit report;\n- or other file information concerning the consumer that the agency has or prepared.\n\nIf the agency uses codes, it must provide a key to those codes. Violation is classified as a Class IV misdemeanor. The statute does not establish a Nebraska civil-damages formula, dispute investigation, correction deadline, or furnisher obligation. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=20-149&utm_source=chatgpt.com))\n\nFederal law separately requires CRAs to disclose all information in the consumer’s file, information sources, and specified report recipients, subject to proper identification. The ordinary form is written, but consumer-authorized telephone, electronic, in-person, or another available reasonable form may be used under federal law. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681g/?utm_source=chatgpt.com))\n\n### Charge and format limits\n\nNebraska says the state copy is available at a “reasonable charge,” but federal law requires free disclosures in several situations:\n\n- once every 12 months through the federal annual-disclosure route;\n- following qualifying adverse-action notice if requested within 60 days;\n- for specified unemployment, public-assistance, fraud, and fraud-alert circumstances; and\n- for notifications and disclosures for which no fee is authorized.\n\nFor another request, federal law permits an indexed charge based on an $8 statutory base, adjusted annually and rounded to the nearest $0.50. The exact adjusted 2026 amount was not verified and is held. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681j/?utm_source=chatgpt.com))\n\nNebraska’s “typewritten or photostatic” wording predates routine online delivery. Federal law permits an electronic disclosure when available and authorized, but no Nebraska appellate authority was located deciding whether a purely electronic copy necessarily satisfies Nebraska’s state wording. The practical federal access route is established; the exact state-law format equivalence remains held.\n\n## B2. Nebraska Credit Report Protection Act\n\nNebraska’s Credit Report Protection Act contains a state security-freeze framework. As codified, it includes:\n\n- placement within three business days after the request;\n- written confirmation and PIN or password within five business days;\n- restrictions on release while the freeze is active;\n- no charge for ordinary placement, temporary lift, or removal;\n- a limited charge for repeat PIN reissuance after the first free replacement;\n- exceptions for account review and collection by existing creditors, affiliates, agents, assignees, and prospective assignees; and\n- Attorney General enforcement, civil penalties up to $2,000 per violation, and recovery of actual damages for injured consumers in a public action. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=8-2605&utm_source=chatgpt.com))\n\n### Federal preemption of overlapping freeze rules\n\nCurrent federal law expressly states that no state requirement or prohibition may be imposed with respect to the national security-freeze provisions in §1681c-1(i) and (j). The federal national-freeze rules therefore govern overlapping operational requirements:\n\nPlain text\n```\nTelephone or secure-electronic placement:\n    no later than 1 business day after receipt\n\nMail placement:\n    no later than 3 business days after receipt\n\nConfirmation after placement:\n    no later than 5 business days\n\nTelephone or secure-electronic removal:\n    no later than 1 hour after receipt\n\nMail removal:\n    no later than 3 business days\n```\n\nNebraska’s older overlapping timing text remains printed in the state code, but the federal express-preemption clause prevents treating it as an additional or contrary nationwide-CRA duty. No controlling public decision located in this pass maps which nonoverlapping Nebraska procedures or remedies survive, so that residual boundary remains held. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681c-1/?utm_source=chatgpt.com))\n\n### What a freeze does not do\n\nA freeze is not a tradeline dispute, correction, deletion request, or collection cease request. Federal law expressly permits existing creditors and their affiliates, agents, assignees, prospective assignees, and collection agencies acting for them to obtain a report to review or collect an existing account. Thus a freeze normally blocks new-credit access, not ordinary review or collection of an existing obligation. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681c-1/?utm_source=chatgpt.com))\n\nFraud alerts and identity-theft blocking are separate federal tools. Only the limited freeze distinction is addressed here; the complete identity-theft and coercion-restoration dossier remains open.\n\n## B3. Nebraska installment-loan false-reporting restriction\n\nNebraska §45-372(7)(i) prohibits a covered installment-loan licensee, in connection with collecting a loan, from communicating or threatening to communicate credit information known to be false. The same collection subsection also governs other collection conduct, but those communications issues belong to the separate collection-conduct component. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=45-372&utm_source=chatgpt.com))\n\nThis state credit-reporting restriction is narrow:\n\n- It applies to an actor and loan covered by the Nebraska Installment Loan and Sales Act.\n- Its express knowledge standard is “known to be false.”\n- It is not a statewide direct-dispute procedure.\n- It does not supply the federal CRA notice, 30-day investigation, deletion, reinsertion, or prior-recipient process.\n- It does not establish that every original creditor, collection agency, debt buyer, or servicer is an installment-loan licensee.\n\n## B4. No general Nebraska furnisher-dispute statute verified\n\nAfter reading §20-149, the Credit Report Protection Act, the material Nebraska installment-loan reporting clause, and targeted official Nebraska searches for consumer-report disputes, furnishers, accuracy, reinvestigation, corrections, and account-status reporting, no current general Nebraska statute or rule was verified that independently requires all ordinary-debt furnishers to:\n\n- investigate a direct consumer dispute;\n- forward corrections to every CRA;\n- report every dispute status;\n- delete a paid or settled collection;\n- use a particular reporting format or account-status code;\n- furnish a particular owner or original-creditor name;\n- or stop collection while a credit-report dispute is pending.\n\nThat is a bounded research result, not proof that no archived administrative order, nonindexed decision, private contract, sector-specific rule, or common-law theory exists.\n\n## B5. Historical Nebraska CRA settlement\n\nIn 2015, Nebraska joined a multistate Assurance of Voluntary Compliance with Equifax, Experian, and TransUnion concerning dispute practices, furnisher monitoring, mixed files, document transmission, and other reporting issues. Nebraska received $100,543.22 of a $6 million multistate payment. The Attorney General’s release describes settlement obligations, not a litigated merits holding or a generally applicable current statute. The underlying signed assurance was not read in this pass, so the press release is retained only as dated, party-specific enforcement history. ([ago.nebraska.gov](https://ago.nebraska.gov/news/ag-announces-6-million-settlement-credit-reporting-agencies?utm_source=chatgpt.com))\n\n# C. CRA file access and reinvestigation\n\n## C1. Federal file disclosure\n\nUpon request and proper identification, a CRA must clearly and accurately disclose:\n\n- all information in the consumer’s file at the time of request, subject to the statutory score exception;\n- the sources of that information; and\n- identification of report recipients during the applicable lookback—two years for employment reports and one year for other purposes. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681g/?utm_source=chatgpt.com))\n\nThe federal disclosure right does not necessarily mean the consumer receives:\n\n- the CRA’s proprietary risk model;\n- every internal algorithm;\n- litigation discovery;\n- every furnisher’s full underlying file; or\n- a wet-ink account agreement.\n\nIt is a disclosure of the consumer’s CRA file and specified sources and recipients.\n\n## C2. CRA dispute trigger and timing\n\nA consumer may notify the CRA directly or through a reseller that file information is incomplete or inaccurate. The statute does not make a paper writing the only permissible CRA-dispute channel; the agency may require identification and use its accepted process. Upon receipt, the CRA must conduct a free, reasonable reinvestigation. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681i/?utm_source=chatgpt.com))\n\nThe default sequence is:\n\nPlain text\n```\nR = CRA receives consumer dispute\n\nBy R + 5 business days:\n    CRA notifies the furnisher and forwards all relevant information.\n\nBy R + 30 calendar days:\n    CRA ordinarily completes reinvestigation.\n\nPossible extension:\n    up to 15 additional days if the CRA receives relevant consumer\n    information during the initial 30-day period.\n\nNo extension:\n    if the CRA finds during the initial period that the item is\n    inaccurate, incomplete, or cannot be verified.\n```\n\nA dispute made after receiving the consumer’s federally required annual report has a special 45-day completion rule. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681j/?utm_source=chatgpt.com))\n\nThis timing is tied to CRA receipt of the dispute. It is not the FDCPA validation period, ordinary debt limitation period, or Nebraska collection deadline.\n\n## C3. Furnisher notification\n\nBefore five business days expire after receiving the dispute, the CRA must notify the person that supplied the disputed item and include **all relevant information** received from the consumer or reseller. Relevant information received later during the reinvestigation must be forwarded promptly. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681i/?utm_source=chatgpt.com))\n\nThis transmission matters because current Eighth Circuit law ties the reasonable scope of the furnisher’s resulting investigation to what the CRA actually communicated. A consumer’s detailed records cannot affect the furnisher’s investigation if the CRA does not transmit them, although they remain relevant to the CRA’s own reinvestigation obligation.\n\n## C4. Frivolous or irrelevant CRA dispute\n\nA CRA may terminate a reinvestigation when it reasonably determines the dispute is frivolous or irrelevant, including when the consumer has not supplied enough information to investigate. The CRA must notify the consumer within five business days after that determination and state:\n\n- the reason for the determination; and\n- any information needed to investigate the dispute. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681i/?utm_source=chatgpt.com))\n\nThe determination does not:\n\n- establish the debt as legally valid;\n- prove ownership;\n- authorize an otherwise unlawful balance or fee;\n- reset reporting time; or\n- create a collection pause.\n\n## C5. Correction, deletion, and unverifiable information\n\nIf a reinvestigation finds an item inaccurate or incomplete, or the item cannot be verified, the CRA must promptly:\n\n- delete it; or\n- modify it as appropriate;\n\nand notify the furnisher of the modification or deletion. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681i/?utm_source=chatgpt.com))\n\n“Cannot be verified” is not necessarily the same as proving the underlying obligation never existed. It is a reporting consequence based on the reinvestigation record.\n\n## C6. Reinserted information\n\nInformation deleted after a reinvestigation may not be reinserted unless the furnisher certifies that it is complete and accurate. If reinserted, the CRA must notify the consumer within five business days and provide:\n\n- a statement that the information was reinserted;\n- the furnisher’s business name and address;\n- the furnisher’s telephone number, if reasonably available; and\n- notice of the consumer’s right to add a dispute statement.\n\nThe CRA must also maintain reasonable procedures to prevent deleted information from reappearing without the required certification. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681i/?utm_source=chatgpt.com))\n\n## C7. Results and procedure description\n\nThe CRA must send the consumer the reinvestigation result no later than five business days after completion. The result package must include:\n\n- notice that reinvestigation is complete;\n- a revised consumer report;\n- notice of the right to request the procedure used;\n- notice of the right to add a consumer statement; and\n- notice of the right to request notification to designated prior recipients.\n\nIf requested, the CRA must provide its procedure description within 15 days, including the business name and address of furnishers contacted and their telephone numbers if reasonably available. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681i/?utm_source=chatgpt.com))\n\n## C8. Consumer dispute statement and prior recipients\n\nWhen a reinvestigation does not resolve the dispute, the consumer may file a brief statement setting out the nature of the disagreement. The normal maximum is 100 words unless the CRA has reasonable grounds to allow more. Later consumer reports containing the disputed information must indicate the dispute and generally include the statement or a clear codification or summary. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681i/?utm_source=chatgpt.com))\n\nAt the consumer’s request, the CRA must notify designated recipients of the deletion or the dispute statement:\n\n- employment-purpose recipients that received a report during the prior two years; and\n- other recipients that received a report during the prior six months.\n\nThat is a CRA notification right, not an automatic requirement to notify every historical report user.\n\n## C9. Reseller disputes\n\nA reseller receiving a dispute must determine within five business days whether its own act or omission caused the inaccuracy. If it did, the reseller must correct or delete the item within 20 days. Otherwise it must send the dispute to the originating CRA and then reconvey the resulting notice to the consumer. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681i/?utm_source=chatgpt.com))\n\n# D. Furnisher duties and direct disputes\n\n## D1. General accuracy and correction duties\n\nA person may not furnish information concerning a consumer when it knows or has reasonable cause to believe the information is inaccurate. “Reasonable cause” requires specific knowledge beyond the consumer’s bare allegation that would cause a reasonable person to have substantial doubts. A regular furnisher that determines previously furnished information is incomplete or inaccurate must promptly:\n\n- notify the CRA;\n- provide necessary corrections or additional information; and\n- stop furnishing information that remains incomplete or inaccurate. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681s-2/?utm_source=chatgpt.com))\n\nA consumer’s allegation alone does not automatically prove inaccuracy. It can, however, trigger a direct-dispute investigation under Regulation V or a CRA-routed investigation under §1681s-2(b).\n\n## D2. Disputed-status furnishing\n\nIf a consumer disputes the completeness or accuracy of information directly to the furnisher, the furnisher may not continue furnishing that information without notifying the CRA that it is disputed. When the CRA receives the furnisher’s dispute notice, the CRA must indicate the disputed status in every consumer report that contains the information. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681s-2/?utm_source=chatgpt.com))\n\nThis duty does not require the furnisher to agree that the debt is invalid. It requires accurate reporting of the existence of the consumer’s dispute.\n\n## D3. Voluntary account closure\n\nA regular furnisher of credit-account information must report when the consumer voluntarily closes an account. A CRA receiving that notice must indicate the consumer-initiated closure in reports containing the account. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681c/?utm_source=chatgpt.com))\n\nThis is distinct from:\n\n- charge-off;\n- sale;\n- involuntary closure;\n- settlement;\n- collection placement; or\n- deletion.\n\n## D4. Date of first delinquency\n\nA person furnishing information on an account placed for collection, charged to profit or loss, or similarly treated must notify the CRA of the month and year of the delinquency that immediately preceded that action. The notice must be provided no later than 90 days after furnishing the collection or charge-off information. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681s-2/?utm_source=chatgpt.com))\n\nWhere the original creditor previously reported the date, a later furnisher ordinarily uses the same date. If not, the later furnisher must use reasonable procedures to obtain it from the creditor or another reliable source. If it cannot reasonably be obtained, the reported date must at least precede collection placement, charge-off, or similar action. The consumer-dispute qualification in the statutory safe branch remains important. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681s-2/?utm_source=chatgpt.com))\n\n## D5. Financial-institution negative-information notice\n\nA financial institution that extends credit and regularly furnishes to a nationwide CRA must provide written notice to its customer when it furnishes “negative information”—delinquencies, late payments, insolvency, or default. The notice must be given before or no later than 30 days after furnishing. After that notice, the institution need not provide a new notice for each later negative submission about the same transaction, extension of credit, account, or customer. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681s-2/?utm_source=chatgpt.com))\n\nThis is not:\n\n- a dispute response;\n- an advance consent requirement;\n- a mandatory promise to delete;\n- or proof that the reported information is accurate.\n\n## D6. Regulation V direct dispute\n\nA direct dispute is submitted to the furnisher—not to the CRA. A qualifying dispute can concern:\n\n- whether the consumer is liable;\n- whether the account resulted from fraud or identity theft;\n- individual versus joint liability;\n- authorized-user status;\n- account type or terms;\n- principal balance, scheduled payment, or credit limit;\n- current payment status;\n- high balance;\n- dates or amounts of payments;\n- opening or closing date; or\n- another report item concerning the consumer’s relationship with the furnisher and bearing on creditworthiness or related characteristics. ([ecfr.gov](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com))\n\n### Proper address and submission content\n\nThe consumer must send the dispute to:\n\n1. the furnisher address shown on the consumer report;\n2. an address the furnisher clearly designated for direct disputes; or\n3. any business address if no dispute address was designated.\n\nThe notice must include:\n\n- enough information to identify the account or relationship;\n- the specific item disputed;\n- an explanation of the basis; and\n- reasonably required supporting information. ([ecfr.gov](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com))\n\n### Direct-dispute exclusions\n\nThe Regulation V direct-dispute duty does not generally cover:\n\n- identifying information, except when the dispute concerns liability for the account;\n- past or present employers;\n- inquiries;\n- public-record information unless furnished through the furnisher’s account relationship;\n- fraud-alert or active-duty-alert information;\n- information supplied by another furnisher; or\n- a dispute reasonably believed to have been submitted, prepared, or supplied on a form by a credit-repair organization or equivalent entity. ([ecfr.gov](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com))\n\nThe credit-repair-organization exclusion does not establish that every assisted consumer dispute is invalid. The furnisher must have a reasonable basis for the statutory classification.\n\n### Furnisher response\n\nFor a compliant direct dispute, the furnisher must:\n\n- conduct a reasonable investigation;\n- review all relevant information supplied by the consumer;\n- complete the investigation and send the result by the deadline that would govern a CRA reinvestigation; and\n- if the information was inaccurate, notify each CRA to which the furnisher supplied it and give the correction needed to make the information accurate. ([ecfr.gov](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com))\n\nThere is no general statutory collection pause.\n\n## D7. Frivolous or irrelevant direct dispute\n\nA furnisher may decline to investigate when it reasonably determines that a direct dispute is frivolous or irrelevant because:\n\n- the consumer provided insufficient information;\n- the dispute is substantially the same as one already investigated and contains no new information; or\n- a direct-dispute exclusion applies.\n\nThe furnisher must notify the consumer within five business days after the determination, state its reasons, and identify the information required to investigate. New information that was not previously supplied can prevent a repeat dispute from being “substantially the same.” ([ecfr.gov](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com))\n\n## D8. CRA-routed furnisher dispute\n\nA furnisher’s §1681s-2(b) duties arise after it receives a dispute notice from the CRA under §1681i(a)(2). The furnisher must then:\n\n- investigate the disputed information;\n- review all relevant information supplied by the CRA;\n- report results back to the CRA;\n- report incomplete or inaccurate results to every other nationwide CRA to which it furnished the item; and\n- where the item is inaccurate, incomplete, or unverifiable, modify, delete, or permanently block the item for reporting purposes.\n\nThe furnisher must complete this work before the CRA’s reinvestigation deadline expires. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681s-2/?utm_source=chatgpt.com))\n\n## D9. Furnisher policies and transfer controls\n\nRegulation V requires every furnisher to maintain reasonable written accuracy and integrity policies appropriate to its nature, size, complexity, and activities; consider Appendix E; incorporate appropriate guidelines; and periodically update the policies. ([ecfr.gov](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.42?utm_source=chatgpt.com))\n\nAppendix E specifically identifies practices addressing:\n\n- records sufficient to substantiate furnished information;\n- oversight of service providers;\n- portfolio acquisitions, sales, mergers, and account transfers;\n- prevention of re-aging and duplicative reporting;\n- correction and updating;\n- reasonable dispute investigations; and\n- systems preventing wrong-consumer association and duplicate tradelines.\n\nThe regulation makes reasonable policies mandatory, while Appendix E is a set of guidelines that the furnisher must consider and incorporate as appropriate—not a list in which every sentence necessarily creates a freestanding private line-item duty. ([ecfr.gov](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/appendix-Appendix%20E%20to%20Part%201022?utm_source=chatgpt.com))\n\n## D10. Enforcement boundary\n\nSections 1681n and 1681o do not apply to violations of §1681s-2(a) or the direct-dispute regulations issued under that subsection; those duties are publicly enforced under §1681s. Section 1681s-2(b), triggered by CRA notice, is the furnisher branch recognized as privately actionable in the Eighth Circuit. This distinction prevents a direct dispute to a furnisher from being mislabeled as the same private claim as a CRA-routed dispute. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681s-2/?utm_source=chatgpt.com))\n\nFull damages, standing, causation, limitations, and litigation remedies remain outside this component.\n\n# E. CRA dispute, direct furnisher dispute, and FDCPA validation compared\n\n| Feature | CRA dispute | Direct furnisher dispute | FDCPA validation dispute |\n| --- | --- | --- | --- |\n| Recipient | Consumer reporting agency or reseller | Furnisher at proper dispute address | Covered federal debt collector |\n| Covered subject | Completeness or accuracy of CRA file item | Furnisher-account information within §1022.43 scope | Validity or amount of covered consumer debt |\n| Consumer form | No federal paper-only rule; CRA identification and accepted process apply | Account identification, exact disputed item, basis, and supporting information | Written notice to debt collector for collection-pause protection |\n| Basic deadline | CRA receives dispute; normally 30 days | Same outside period that would govern CRA investigation | Must be received or submitted as required within validation period |\n| CRA-to-furnisher notice | Yes, within five business days | No CRA intermediary | No |\n| Investigation result sent to consumer | CRA sends results and revised report | Furnisher sends direct result | Collector sends verification or judgment if it wants to resume collection |\n| Collection pause | **No** | **No** | **Yes**, for debt or disputed portion |\n| Reporting correction | CRA deletes/modifies; furnisher may have correction duties | Furnisher notifies each CRA if inaccurate | Not automatically a credit-report correction |\n| Original signed contract required | No universal rule | No universal rule | No universal rule |\n| Failure to dispute effect | Does not validate debt as a matter of law | Does not validate debt | Failure to use validation right is not a court admission |\n| Principal private FCRA branch | CRA duties under §§1681e/1681i | Subsection (a) duties publicly enforced | Not a FCRA procedure |\n| Furnisher private FCRA branch | CRA notice can trigger §1681s-2(b) | Direct notice alone does not trigger §1681s-2(b) | Separate FDCPA claim architecture |\n\nThe FDCPA comparison is included only to prevent the false operational conclusion that a credit-report dispute stops collection. The complete validation workflow remains a separate component. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1692g/?utm_source=chatgpt.com))\n\n# F. Reporting age, delinquency, and account statuses\n\n## F1. Ordinary collection and charge-off period\n\nOrdinary accounts placed for collection or charged to profit and loss generally may not appear on a consumer report when they antedate the report by more than seven years. The special clock begins after the 180-day period beginning on the delinquency that immediately preceded the collection action, charge-off, or similar action. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681c/?utm_source=chatgpt.com))\n\nThe operative formula is:\n\nPlain text\n```\nD0 = date the continuous delinquency began\n     that immediately preceded collection or charge-off\n\nA  = D0 + 180 days\n\nT  = A + 7 years\n```\n\nThe report exclusion point is tied to **D0**, not:\n\n- date of sale;\n- date assigned to a new agency;\n- date the buyer opened its internal file;\n- date of a later payment;\n- date of settlement;\n- date a new collector contacted the consumer;\n- or date the account was redisputed.\n\nThis nonreset conclusion follows from the date-of-delinquency requirements and the furnisher’s duty to preserve or reasonably obtain the originating delinquency date. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681s-2/?utm_source=chatgpt.com))\n\n## F2. Limited high-value exceptions\n\nThe ordinary obsolescence rules in §1681c(a)(1)–(5) do not apply to reports used for:\n\n- a credit transaction reasonably expected to involve at least $150,000;\n- life-insurance underwriting reasonably expected to involve a face amount of at least $150,000; or\n- employment at an annual salary reasonably expected to equal at least $75,000.\n\nThese are report-use exceptions, not a general extension of every tradeline for every purpose. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681c/?utm_source=chatgpt.com))\n\nBankruptcy, judgments, criminal records, veteran medical debt, medical information, and specialty-report categories have separate rules and are excluded from full analysis here.\n\n## F3. Payment and settlement\n\nNeither §1681c nor §1681s-2 establishes a general right to delete an accurately reported ordinary collection merely because it is:\n\n- paid;\n- settled;\n- resolved for less than full balance; or\n- transferred back to the creditor.\n\nThe required principle is accuracy and completeness. When settlement terms fully resolve the account:\n\n- the current balance should no longer report as still owed to that furnisher;\n- payment and settlement status must be accurate;\n- prior delinquency history can remain subject to the ordinary reporting period;\n- and a voluntary “pay for delete” promise is contractual or policy-dependent, not a general federal or Nebraska statutory right established here.\n\nNo guarantee of score improvement follows from a zero balance, settlement, deletion, or dispute result.\n\n## F4. Disputed status\n\nIf the furnisher notifies the CRA that the consumer disputes the information, the CRA must identify that status in every report containing the item. A CRA reinvestigation that verifies the balance does not necessarily eliminate the furnisher’s separate obligation to report that the consumer disputes the item if the dispute remains active and the furnisher continues furnishing. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681c/?utm_source=chatgpt.com))\n\n## F5. Purchased, assigned, or serviced accounts\n\nNo universal “one tradeline only” rule was located. The authorities reviewed support this narrower conclusion:\n\n- An original creditor can accurately report the historical account with a zero balance after sale.\n- A purchaser or collector can separately report the collection if it has authority and reports the owner, balance, status, and delinquency date accurately.\n- Reporting the same currently collectible balance as simultaneously owed to two different entities, re-aging the account, or associating it with the wrong consumer can create accuracy and integrity problems.\n- Furnisher policies should address duplicate reporting and re-aging after acquisitions and transfers. ([ecfr.gov](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/appendix-Appendix%20E%20to%20Part%201022?utm_source=chatgpt.com))\n\nWhether two actual tradelines are duplicative cannot be determined without:\n\n- both full tradelines;\n- the sale and servicing structure;\n- balances;\n- owner identifiers;\n- status codes;\n- dates;\n- and the actual furnishing records.\n\n## F6. Owner and original-creditor identification\n\nThe ordinary FCRA file-disclosure provisions require the CRA to identify sources of file information. The FCRA and Regulation V accuracy duties require furnished account identity and ownership information to be complete and accurate. But no universal ordinary-debt rule was verified in this pass requiring every tradeline to display a complete chain of every prior owner or every assignment. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681g/?utm_source=chatgpt.com))\n\nFDCPA validation separately addresses current and original-creditor identity for covered debt collectors, but that is not itself a universal CRA tradeline-format requirement.\n\n# G. Post-correction, deletion, transfer, and reinsertion matrix\n\n| Event | CRA duty | Furnisher duty | Consumer-facing consequence |\n| --- | --- | --- | --- |\n| CRA finds information inaccurate | Delete or modify promptly | Receives CRA notice of modification/deletion | Revised report and results notice |\n| CRA cannot verify information | Delete or modify | Furnisher loses that CRA reporting result unless later certification supports reinsertion | Item may be removed even without adjudicating underlying debt |\n| Furnisher determines prior data incomplete/inaccurate | CRA updates when corrected data received | Notify CRA promptly, correct, and do not refurnish uncorrected data | Reporting should reflect corrected status |\n| CRA-routed investigation finds inaccurate/incomplete/unverifiable item | CRA acts on result | Furnisher modifies, deletes, or permanently blocks for reporting and informs other nationwide CRAs as required | Correction can propagate beyond first CRA |\n| Direct furnisher dispute finds inaccurate item | CRA updates after furnisher sends correction | Furnisher sends correction to every CRA it previously gave inaccurate information | Consumer receives furnisher result; no automatic CRA dispute package unless separately initiated |\n| CRA deletes item after dispute | Item removed | No automatic further furnishing right | Reinsertion requires furnisher certification |\n| Furnisher certifies deleted item complete and accurate | CRA may reinsert | Furnisher assumes responsibility for certification | Consumer receives reinsertion notice within five business days |\n| Consumer still disagrees after reinvestigation | CRA can retain item if otherwise reportable | Furnisher may continue, with disputed-status notice where required | Consumer may add statement and request notice to recent report recipients |\n| Account transferred | CRA retains existing file data subject to accuracy and obsolescence | Old and new furnishers should prevent re-aging, duplication, wrong balance, and wrong consumer association | Transfer alone does not restart reporting clock |\n| Furnisher corrects balance to zero after payment/settlement | CRA updates tradeline | Furnisher supplies accurate balance/status | No automatic deletion or score result |\n\n# H. Current controlling decisions and current agency status\n\n## H1. *Johnson v. Freedom Mortgage Corp.* — Eighth Circuit, 2026\n\n**Posture:** The Eighth Circuit affirmed summary judgment for a mortgage furnisher. The consumers had disputed a reported late payment through CRAs, and the CRAs forwarded short statements saying that all payments had been made on time. ([ecf.ca8.uscourts.gov](https://ecf.ca8.uscourts.gov/opndir/26/02/242787P.pdf?utm_source=chatgpt.com))\n\n**Private-action boundary:** The court stated that §1681s-2(a)’s general furnishing duties do not provide the ordinary private action asserted there, while §1681s-2(b)—triggered after CRA notice—does. ([ecf.ca8.uscourts.gov](https://ecf.ca8.uscourts.gov/opndir/26/02/242787P.pdf?utm_source=chatgpt.com))\n\n**Investigation scope:** Because the CRA-forwarded disputes were brief and conclusory, the furnisher’s review of account history, notes, and payment history was reasonable on the record. The court reiterated that the required investigation depends on the nature of the dispute supplied by the CRA; a vague CRA notice may justify a narrower investigation than a detailed, documented notice. ([ecf.ca8.uscourts.gov](https://ecf.ca8.uscourts.gov/opndir/26/02/242787P.pdf?utm_source=chatgpt.com))\n\n**Limit:** The court did not hold that every internal-record check is sufficient. It also declined to resolve every “technically accurate but materially misleading” reporting theory because the reporting was not deficient under either proposed standard on the facts.\n\n## H2. *Anderson v. EMC Mortgage Corp.* — Eighth Circuit, 2011\n\n*Anderson* holds that the furnisher duties in §1681s-2(b) are triggered by a CRA’s notice under §1681i(a)(2), not merely by the consumer’s direct complaint to the furnisher. The opinion affirmed summary judgment where the disputed past-due reporting was accurate on the developed record. ([ecf.ca8.uscourts.gov](https://ecf.ca8.uscourts.gov/opndir/11/02/093906P.pdf?utm_source=chatgpt.com))\n\nThat holding does not eliminate the separate direct-dispute regulatory duty now codified in Regulation V. It distinguishes the trigger for the privately enforceable §1681s-2(b) branch.\n\n## H3. *Lloyd v. FedLoan Servicing* — Eighth Circuit, 2024\n\n*Lloyd* affirmed summary judgment for Experian and the furnisher. The court described the CRA’s duties to:\n\n- conduct a reasonable reinvestigation;\n- review relevant consumer information;\n- notify the furnisher and transmit relevant information;\n- modify or delete inaccurate or unverifiable information;\n- notify the consumer of results; and\n- provide the investigation procedure upon request. ([ecf.ca8.uscourts.gov](https://ecf.ca8.uscourts.gov/opndir/24/06/222840P.pdf?utm_source=chatgpt.com))\n\nOn the facts, the consumer’s screenshots did not clearly establish the asserted payment status, Experian sent automated disputes to the servicer, and the record did not show that Experian had reason to treat the furnisher as an unreliable source. The case does not authorize a CRA to rubber-stamp every furnisher response when the consumer supplies clear contradictory evidence or the CRA has reason to question the source.\n\n## H4. No controlling Nebraska appellate ordinary-debt reporting decision located\n\nThe bounded official searches did not locate a Nebraska appellate decision establishing:\n\n- a general Nebraska furnisher-dispute cause or procedure;\n- a Nebraska requirement to delete paid or settled ordinary debt;\n- a Nebraska reporting-age rule independent of §1681c;\n- a Nebraska dispute-investigation deadline for ordinary furnishers;\n- or a Nebraska appellate interpretation of §20-149’s electronic-copy or charge provisions.\n\nThat is a limited search result, not proof that no trial decision, unpublished opinion, archived agency matter, or nonindexed authority exists.\n\n## H5. Current CFPB preemption interpretation\n\nOn October 28, 2025, the CFPB published an interpretive rule stating that FCRA’s express-preemption clauses generally have broad scope. The document replaced and confirmed withdrawal of the CFPB’s 2022 narrower interpretation. It is applicable from October 28, 2025. ([federalregister.gov](https://www.federalregister.gov/documents/2025/10/28/2025-19671/fair-credit-reporting-act-preemption-of-state-laws?utm_source=chatgpt.com))\n\nThe document expressly acknowledges that:\n\n- it is an interpretive rule;\n- agency guidance is nonbinding;\n- courts are the ultimate arbiters of preemption; and\n- the rule has no special delegated authority to conclusively decide a state law’s status.\n\nAccordingly, the actual statutory text of §1681t and controlling judicial decisions govern. The interpretive rule is current agency interpretation, not itself a merits judgment invalidating Nebraska law. ([federalregister.gov](https://www.federalregister.gov/documents/2025/10/28/2025-19671/fair-credit-reporting-act-preemption-of-state-laws?utm_source=chatgpt.com))\n\n## H6. Medical-debt rule status boundary\n\nThe CFPB’s January 2025 medical-debt Regulation V rule was vacated by the U.S. District Court for the Eastern District of Texas on July 11, 2025. The CFPB’s current official page states that the rule is vacated and its materials are for reference only. It is therefore not treated as operative law in this ordinary-debt pass. ([consumerfinance.gov](https://www.consumerfinance.gov/rules-policy/final-rules/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v/?utm_source=chatgpt.com))\n\nExisting statutory rules for veteran medical debt and other medical information remain, but the complete medical-debt dossier is excluded.\n\n# I. Bounded operational workflows and examples\n\n## Example 1 — CRA dispute, direct furnisher dispute, and FDCPA validation\n\n### Hypothetical account\n\nPlain text\n```\nReported current balance              $900\nConsumer says proper balance          $500\nDifference disputed                   $400\n```\n\n### CRA route\n\nPlain text\n```\nR0  CRA receives dispute.\n\nBy R0 + 5 business days:\n    CRA sends dispute and all relevant consumer information to furnisher.\n\nBy R0 + 30 calendar days:\n    CRA ordinarily completes reinvestigation.\n\nPossible extension:\n    up to 15 additional days if qualifying new consumer information\n    arrives during the first 30 days.\n\nResult:\n    CRA sends results and revised report within 5 business days\n    after completion.\n```\n\n**Collection pause:** none created by the FCRA dispute alone.\n\n### Direct furnisher route\n\nPlain text\n```\nConsumer sends:\n    account identification\n    disputed $400 item\n    basis for dispute\n    relevant statements/payment proof\n\nFurnisher:\n    investigates\n    reviews submitted information\n    reports result to consumer by applicable reinvestigation period\n    corrects every CRA previously given inaccurate data if necessary\n```\n\n**Collection pause:** none created by Regulation V.\n\n### FDCPA validation route\n\nAssume the recipient is also a covered federal debt collector and receives a timely written validation dispute.\n\nPlain text\n```\nCollection of the disputed $400:\n    paused until verification or judgment is sent\n```\n\nThis federal collection pause does not arise merely from the CRA or furnisher dispute.\n\n## Example 2 — Standard CRA reinvestigation timeline\n\nDefine:\n\nPlain text\n```\nR = date CRA receives the dispute\n```\n\nOrdinary sequence:\n\nPlain text\n```\nFurnisher notice deadline:\n    before expiration of 5 business days after R\n\nOrdinary reinvestigation deadline:\n    R + 30 calendar days\n\nMaximum ordinary extension:\n    15 additional days\n\nMaximum potential total:\n    45 days from R\n```\n\nThe extension is unavailable when the CRA determines during the initial period that the item is inaccurate, incomplete, or unverifiable. No exact calendar date is calculated because receipt date, later information, and holiday facts were not supplied.\n\n## Example 3 — Direct dispute deemed incomplete\n\n**Facts**\n\nThe consumer writes:\n\n“Everything on my report is wrong.”\n\nThe submission gives:\n\n- no account number;\n- no specific tradeline;\n- no disputed field;\n- no explanation; and\n- no supporting document.\n\n**Result**\n\nThe furnisher may reasonably classify the dispute as frivolous or irrelevant for insufficient information. It must notify the consumer within five business days after that determination and state:\n\n- why it made the determination; and\n- what information is needed.\n\nThe furnisher does not thereby establish the account as valid or eliminate future dispute rights. A later dispute identifying the account, disputed balance, basis, and new statements would not necessarily be substantially the same.\n\n## Example 4 — Paid settlement versus deletion\n\n**Hypothetical assumptions**\n\nPlain text\n```\nBalance before settlement              $1,200\nSettlement payment                       -700\nAgreed settlement adjustment             -500\n                                        ------\nRemaining contractual balance               $0\n```\n\nArithmetic:\n\nPlain text\n```\n$1,200 - $700 - $500 = $0\n```\n\nIf the actual settlement fully resolves the account, continued reporting of a currently due $500 or $1,200 balance would be inconsistent with those assumptions. Accurate reporting may instead identify:\n\n- zero current balance;\n- settled or paid-for-less-than-full status, if accurate;\n- historical delinquency, subject to the reporting-age limit.\n\nThe arithmetic does not prove:\n\n- that the underlying $1,200 was valid;\n- that the settlement agreement is enforceable;\n- that deletion is required;\n- that a credit score will rise; or\n- that the furnisher promised deletion.\n\n## Example 5 — Sale does not reset reporting clock\n\nDefine:\n\nPlain text\n```\nD0 = first delinquency immediately preceding collection/charge-off\nS1 = first sale date\nS2 = later resale date\nP  = later partial payment date\n```\n\nStatutory calculation:\n\nPlain text\n```\nA = D0 + 180 days\nT = A + 7 years\n```\n\nNeither S1, S2, nor P becomes a new D0 merely because ownership or collection activity changed. The later buyer must preserve or reasonably obtain the original delinquency date. Exact calendar expiration is held because no actual dates were supplied.\n\n## Example 6 — Original creditor and debt-buyer tradelines\n\n**Hypothetical accurate structure**\n\nPlain text\n```\nOriginal creditor:\n    historical account\n    sold/transferred\n    current balance $0\n\nDebt buyer:\n    collection account\n    current balance $800\n    same original delinquency date\n```\n\nTwo entries are not automatically unlawful merely because both exist.\n\n**Potential inaccurate structure**\n\nPlain text\n```\nOriginal creditor current balance       $800\nDebt buyer current balance               800\n                                        -----\nApparent combined currently owed       $1,600\n```\n\nIf only one $800 obligation exists and both entries represent independently collectible current balances, the structure may be duplicative or misleading. Actual data fields, ownership, servicing, and account terms are required before reaching that conclusion. Appendix E expects furnisher policies to prevent duplicate reporting and re-aging after portfolio transfers. ([ecfr.gov](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/appendix-Appendix%20E%20to%20Part%201022?utm_source=chatgpt.com))\n\n## Example 7 — CRA deletion and reinsertion\n\nPlain text\n```\nD0  CRA deletes item after reinvestigation because it cannot be verified.\n\nF1  Furnisher later certifies the item is complete and accurate.\n\nR1  CRA reinserts the item.\n\nBy R1 + 5 business days:\n    CRA sends consumer:\n       • notice of reinsertion;\n       • furnisher name and address;\n       • furnisher telephone number if reasonably available;\n       • notice of right to add a dispute statement.\n```\n\nThe earlier deletion is not a permanent legal bar to reinsertion, but the CRA cannot reinsert without the furnisher’s certification and required notice.\n\n## Example 8 — Direct dispute finds wrong balance\n\n**Facts**\n\nPlain text\n```\nReported balance                         $400\nActual balance after prior payment         $0\n```\n\nThe furnisher investigates and confirms the $400 report was inaccurate.\n\n**Required result**\n\n- send the investigation result to the consumer;\n- promptly notify each CRA to which it furnished the inaccurate $400 balance; and\n- provide the correction needed to report $0 accurately.\n\nThe FCRA does not require deletion if correction to zero and accurate status is the appropriate result.\n\n## Example 9 — CRA-routed dispute with limited notice\n\n**Facts**\n\nThe CRA sends the furnisher only:\n\n“Consumer states all payments were made on time.”\n\nNo payment receipt, check image, settlement document, or specific month is transmitted.\n\n**Eighth Circuit consequence**\n\nUnder *Johnson*, the furnisher’s investigation scope is evaluated in light of that limited CRA notice. Review of account history, account notes, and payment history may be reasonable on such facts.\n\n**Different case**\n\nIf the CRA forwards:\n\n- a specific disputed month;\n- proof of electronic debit;\n- a bank confirmation;\n- and a statement showing the payment was credited,\n\na more detailed investigation may be required. *Johnson* does not permit the furnisher to ignore transmitted material evidence.\n\n## Example 10 — Consumer statement and notification to prior users\n\n**Facts**\n\nThe CRA completes reinvestigation but continues reporting the item. The consumer still disputes it and files a 90-word statement.\n\n**Result**\n\n- The statement is within the ordinary 100-word limit.\n- Future reports containing the item must note the dispute and include the statement or a clear summary.\n- On request, the CRA must notify designated employment-report recipients from the prior two years and other report recipients from the prior six months.\n\nThis does not force the CRA to notify every person that ever obtained a report.\n\n## Example 11 — Nebraska file-copy request\n\n**Assumptions**\n\n- CRA does business in Nebraska.\n- Consumer supplies proper identification.\n- Consumer requests the report and code key.\n- Request qualifies for the free annual federal disclosure.\n\n**Result**\n\nPlain text\n```\nNebraska file-copy duty                  Applies\nCode key                                 Required if codes used\nFederal annual-report charge             $0\nMaximum delivery period for annual report:\n                                         15 days after request receipt\n```\n\nNebraska’s “reasonable charge” language does not authorize a charge for this federally free annual disclosure.\n\n## Example 12 — Security freeze and existing collection\n\n**Facts**\n\n- Consumer places a federal security freeze.\n- Existing creditor’s collection agency requests the report solely to review or collect the existing account.\n\n**Result**\n\nThe federal freeze exception permits access for existing-account review or collection. The freeze:\n\n- does not dispute the tradeline;\n- does not require balance correction;\n- does not stop collection;\n- and does not prevent the collector from accessing the report under the existing-account exception.\n\n## Example 13 — Financial-institution negative-information notice\n\n**Facts**\n\nA financial institution furnishes a first late-payment report to a nationwide CRA on event date **F**.\n\nPlain text\n```\nPermitted notice window:\n    before F\n    through F + 30 days\n```\n\nAfter giving the notice, it need not repeat the notice for every later negative submission concerning the same account. The notice does not prove the late-payment report accurate.\n\n# J. Source register\n\n| Source ID | Title, issuer, direct literal URL, and exact pinpoint | Version/status and access | Scope and limits |\n| --- | --- | --- | --- |\n| **S_NE-P10-S001** | **Neb. Rev. Stat. §20-149 — Consumer reporting agency; furnish information; duty; violation; penalty**, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=20-149; operative text lines/clauses concerning CRA doing business in Nebraska, request, copy, code key, January 1, 2016 federal incorporation, and misdemeanor. | Current official codification freshly read October 26, 2026 Pacific/UTC. Enacted 1983; amended 2016. | Nebraska file-access duty only. No response deadline or civil remedy stated. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=20-149&utm_source=chatgpt.com)) |\n| **S_NE-P10-S002** | **Nebraska Credit Report Protection Act**, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=8-2601; ...=8-2602; ...=8-2604; ...=8-2605; ...=8-2606; ...=8-2609; ...=8-2613; ...=8-2615. Exact subjects: definitions, release bar, placement, confirmation, temporary lift, fees, exceptions, AG enforcement. | Current official state text freshly read October 26, 2026. Principal enactment 2007; amendments include 2016. | Overlapping national-freeze requirements are subject to express federal preemption. Exact surviving nonoverlapping state scope unresolved. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=8-2605&utm_source=chatgpt.com)) |\n| **S_NE-P10-S003** | **Neb. Rev. Stat. §45-372**, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=45-372; subsection (7)(i), communication or threat to communicate credit information known to be false. | Current official codification freshly read October 26, 2026. | Narrow installment-loan-licensee conduct rule, not general state furnishing code. ([nebraskalegislature.gov](https://nebraskalegislature.gov/laws/statutes.php?statute=45-372&utm_source=chatgpt.com)) |\n| **S_NE-P10-S004** | **15 U.S.C. §§1681c, 1681c-1, 1681e, 1681g, 1681h, 1681i, 1681j, and 1681t**, Office of Law Revision Counsel. https://uscode.house.gov/us/usc/119-124/t15/s1681c/; .../s1681c-1/; .../s1681e/; .../s1681g/; .../s1681h/; .../s1681i/; .../s1681j/; .../s1681t/. | U.S. Code in effect through Public Law 119-124, October 15, 2026; freshly read October 26. | CRA accuracy, access, dispute, reporting-age, freeze, and preemption provisions. Medical, bankruptcy, and specialty-report branches not fully analyzed. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681i/?utm_source=chatgpt.com)) |\n| **S_NE-P10-S005** | **15 U.S.C. §1681s-2 — Responsibilities of furnishers**, Office of Law Revision Counsel. https://uscode.house.gov/us/usc/119-124/t15/s1681s-2/; subsections (a)(1)–(8), (b), (c), (d), and (e). | U.S. Code through Public Law 119-124, October 15, 2026; freshly read October 26. | General accuracy, correction, disputed status, delinquency date, negative-information notice, direct and CRA-routed dispute duties, and enforcement boundary. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1681s-2/?utm_source=chatgpt.com)) |\n| **S_NE-P10-S006** | **Regulation V, 12 C.F.R. §§1022.42 and 1022.43; Appendix E**, CFPB/OFR. 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. | eCFR displayed Title 12 current through October 22, 2026 and last amended October 2, 2026; freshly read October 26. | Direct disputes, policies, and accuracy/integrity guidelines. Appendix E is guideline material incorporated as appropriate under §1022.42. ([ecfr.gov](https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com)) |\n| **S_NE-P10-S007** | **15 U.S.C. §1692g — Validation of debts**, Office of Law Revision Counsel. https://uscode.house.gov/us/usc/119-124/t15/s1692g/; subsections (a)–(d). | U.S. Code through Public Law 119-124, October 15, 2026; freshly read October 26. | Used only to distinguish collection validation and its pause from credit-report disputes. No full FDCPA report. ([uscode.house.gov](https://uscode.house.gov/us/usc/119-124/t15/s1692g/?utm_source=chatgpt.com)) |\n| **S_NE-P10-S008** | ***Johnson v. Freedom Mortgage Corp.*, No. 24-2787**, U.S. Court of Appeals for the Eighth Circuit. https://ecf.ca8.uscourts.gov/opndir/26/02/242787P.pdf; printed slip pp. 4–5, zero-based PDF indices 3–4, §1681s-2(a)/(b), CRA-notice scope, and reasonableness discussion. | Published opinion filed February 2, 2026; fresh text and page-image review October 26, 2026. | Controlling Eighth Circuit furnisher investigation authority; mortgage facts, but ordinary §1681s-2 principles. ([ecf.ca8.uscourts.gov](https://ecf.ca8.uscourts.gov/opndir/26/02/242787P.pdf?utm_source=chatgpt.com)) |\n| **S_NE-P10-S009** | ***Anderson v. EMC Mortgage Corp.*, 631 F.3d 905 (8th Cir. 2011)**. https://ecf.ca8.uscourts.gov/opndir/11/02/093906P.pdf; printed/slip pp. 3 and 5, zero-based PDF indices 2 and 4. | Final published Eighth Circuit opinion; fresh text and page-image review October 26, 2026. | CRA notice trigger and accurate-reporting result; does not eliminate direct-dispute regulation. ([ecf.ca8.uscourts.gov](https://ecf.ca8.uscourts.gov/opndir/11/02/093906P.pdf?utm_source=chatgpt.com)) |\n| **S_NE-P10-S010** | ***Lloyd v. FedLoan Servicing*, No. 22-2840**, U.S. Court of Appeals for the Eighth Circuit. https://ecf.ca8.uscourts.gov/opndir/24/06/222840P.pdf; slip pp. 4–8, zero-based indices 3–7. | Published opinion filed June 21, 2024; fresh text and page-image review October 26, 2026. | CRA and furnisher reasonableness on record presented; federal student-loan facts but ordinary FCRA investigation principles. ([ecf.ca8.uscourts.gov](https://ecf.ca8.uscourts.gov/opndir/24/06/222840P.pdf?utm_source=chatgpt.com)) |\n| **S_NE-P10-S011** | **Fair Credit Reporting Act; Preemption of State Laws**, CFPB, 90 Fed. Reg. 48710. https://www.federalregister.gov/documents/2025/10/28/2025-19671/fair-credit-reporting-act-preemption-of-state-laws; action, summary, dates, and nonbinding-preemption discussion. | Interpretive rule published and applicable October 28, 2025; freshly read October 26, 2026. | Current nonbinding CFPB interpretation; courts decide actual preemption. Replaces/withdraws 2022 interpretation. ([federalregister.gov](https://www.federalregister.gov/documents/2025/10/28/2025-19671/fair-credit-reporting-act-preemption-of-state-laws?utm_source=chatgpt.com)) |\n| **S_NE-P10-S012** | **Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information**, CFPB. https://www.consumerfinance.gov/rules-policy/final-rules/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v/; current status lines identifying July 11, 2025 vacatur. | Official page last modified February 24, 2026; freshly read October 26, 2026. | Vacated medical-debt rule, included solely to prevent use as current authority. Medical dossier excluded. ([consumerfinance.gov](https://www.consumerfinance.gov/rules-policy/final-rules/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v/?utm_source=chatgpt.com)) |\n| **S_NE-P10-S013** | **AG Announces $6 Million Settlement with Credit Reporting Agencies**, Nebraska Attorney General. https://ago.nebraska.gov/news/ag-announces-6-million-settlement-credit-reporting-agencies; May 20, 2015 release. | Historical official press release freshly read October 26, 2026. | Party-specific settlement description. Underlying Assurance of Voluntary Compliance not read; not merits precedent or universal rule. ([ago.nebraska.gov](https://ago.nebraska.gov/news/ag-announces-6-million-settlement-credit-reporting-agencies?utm_source=chatgpt.com)) |\n| **S_NE-P10-S014** | **Bounded Nebraska and federal searches** for ordinary-debt furnishing, CRA disputes, paid/settled deletion, delinquency dates, reinsertion, preemption, and Nebraska appellate authorities, across Nebraska Legislature, Nebraska appellate repository, Nebraska AG, CFPB, Eighth Circuit, Supreme Court, eCFR, and U.S. Code. | Search-only work October 26, 2026. | No controlling Nebraska appellate general-furnishing or dispute case located. Not an exhaustive paid citator, trial docket, administrative archive, or records request. |\n\n# K. Claim register\n\n| Claim ID | Precise assertion | Source and pinpoint | Predicates, exceptions, relationship, consequence, confidence |\n| --- | --- | --- | --- |\n| **S_NE-P10-C001** | Nebraska CRA doing business in state must provide requested report/file copy and code key after qualifying identification. | S001, §20-149. | **High.** State format and charge language subject to incorporated and current federal rights. |\n| **S_NE-P10-C002** | §20-149 does not itself establish a general Nebraska dispute investigation or furnisher-correction process. | S001 complete section. | **High for text.** |\n| **S_NE-P10-C003** | Federal law requires one free annual file disclosure and additional free categories. | S004, §§1681g–1681j. | **High.** |\n| **S_NE-P10-C004** | Exact 2026 charge for otherwise chargeable federal file disclosure was not verified. | S004, §1681j(f) indexing provision. | **HOLD.** No amount invented. |\n| **S_NE-P10-C005** | Nebraska freeze text requires three-business-day placement and five-business-day confirmation. | S002, §§8-2605–8-2606. | **High as codified state text.** |\n| **S_NE-P10-C006** | Federal national-freeze law requires one-business-day electronic/telephone placement, three-business-day mail placement, and five-business-day confirmation. | S004, §1681c-1(i). | **High.** |\n| **S_NE-P10-C007** | FCRA expressly preempts state requirements or prohibitions concerning national security-freeze subject matter. | S004, §1681t(b)(1)(J). | **High.** Exact nonoverlapping Nebraska survival remains unresolved. |\n| **S_NE-P10-C008** | A freeze does not bar existing creditors, affiliates, agents, assignees, or collectors from account review or collection access. | S004, §1681c-1(i)(4)(A). | **High.** |\n| **S_NE-P10-C009** | Nebraska AG has statutory freeze-act enforcement and civil-penalty authority. | S002, §8-2615. | **High as state text;** applicability to federally preempted overlap held. |\n| **S_NE-P10-C010** | Nebraska installment-loan licensee may not communicate or threaten to communicate credit information known to be false while collecting a covered loan. | S003, §45-372(7)(i). | **High; narrow sector scope.** |\n| **S_NE-P10-C011** | No general Nebraska furnisher accuracy/direct-dispute counterpart was verified in the state authorities and bounded searches. | S001–S003, S014. | **Bounded negative finding, not proof of absence.** |\n| **S_NE-P10-C012** | CRA must use reasonable procedures to assure maximum possible accuracy whenever preparing a report. | S004, §1681e(b). | **High.** Reasonableness is fact-specific. |\n| **S_NE-P10-C013** | CRA file disclosure includes file information, sources, and specified report recipients. | S004, §1681g(a). | **High.** |\n| **S_NE-P10-C014** | CRA ordinarily must conduct free reasonable reinvestigation within 30 days after receiving dispute. | S004, §1681i(a)(1)(A). | **High.** |\n| **S_NE-P10-C015** | CRA may extend up to 15 days for qualifying additional consumer information, except after finding item inaccurate, incomplete, or unverifiable. | S004, §1681i(a)(1)(B)–(C). | **High.** |\n| **S_NE-P10-C016** | Dispute after federal annual report can use special 45-day reinvestigation period. | S004, §1681j(a)(3). | **High.** |\n| **S_NE-P10-C017** | CRA must notify furnisher and transmit all relevant dispute information within five business days. | S004, §1681i(a)(2). | **High.** |\n| **S_NE-P10-C018** | CRA may terminate frivolous/irrelevant dispute but must notify consumer within five business days and identify reasons/information needed. | S004, §1681i(a)(3). | **High.** |\n| **S_NE-P10-C019** | CRA must delete or modify inaccurate, incomplete, or unverifiable information. | S004, §1681i(a)(5)(A). | **High.** |\n| **S_NE-P10-C020** | Reinsertion requires furnisher certification and consumer notice within five business days. | S004, §1681i(a)(5)(B). | **High.** |\n| **S_NE-P10-C021** | CRA must provide reinvestigation results and revised report within five business days after completion. | S004, §1681i(a)(6). | **High.** |\n| **S_NE-P10-C022** | CRA must provide procedure description within 15 days after consumer request. | S004, §1681i(a)(7). | **High.** |\n| **S_NE-P10-C023** | Consumer can add a dispute statement and request notification to defined recent report recipients. | S004, §1681i(b)–(d). | **High.** |\n| **S_NE-P10-C024** | Reseller has separate five-business-day classification and 20-day own-error correction duties. | S004, §1681i(f). | **High.** |\n| **S_NE-P10-C025** | Furnisher may not report information known or reasonably believed inaccurate. | S005, §1681s-2(a)(1). | **High.** |\n| **S_NE-P10-C026** | Regular furnisher determining prior information incomplete/inaccurate must correct and stop refurnishing uncorrected data. | S005, §1681s-2(a)(2). | **High.** |\n| **S_NE-P10-C027** | Continued furnishing after direct consumer dispute must include notice that information is disputed. | S005, §1681s-2(a)(3). | **High.** |\n| **S_NE-P10-C028** | CRA receiving disputed-status notice must indicate dispute in reports containing item. | S004, §1681c(f). | **High.** |\n| **S_NE-P10-C029** | Furnisher must report voluntary consumer closure of credit account. | S005, §1681s-2(a)(4). | **High.** |\n| **S_NE-P10-C030** | Furnisher of collection/charge-off information must report original delinquency month/year within 90 days. | S005, §1681s-2(a)(5). | **High.** |\n| **S_NE-P10-C031** | Later furnisher must preserve or reasonably obtain original date of delinquency and may not re-age account through sale or transfer. | S005, §1681s-2(a)(5)(B); S006 Appendix E. | **High as statutory/guideline synthesis.** |\n| **S_NE-P10-C032** | Financial institution’s first negative furnishing requires written notice before or within 30 days. | S005, §1681s-2(a)(7). | **High.** |\n| **S_NE-P10-C033** | Direct-dispute duty covers liability, terms, balance, payment status, dates, and related account information. | S006, §1022.43(a). | **High.** |\n| **S_NE-P10-C034** | Direct dispute must be sent to proper address and include account identity, exact issue, basis, and support. | S006, §1022.43(c)–(d). | **High.** |\n| **S_NE-P10-C035** | Regulation V excludes listed categories and qualifying CRO-prepared disputes from direct-dispute duty. | S006, §1022.43(b). | **High;** reasonable classification required. |\n| **S_NE-P10-C036** | Furnisher receiving compliant direct dispute must investigate, review information, respond by applicable period, and correct every affected CRA if inaccurate. | S006, §1022.43(e). | **High.** No collection pause. |\n| **S_NE-P10-C037** | Furnisher may deem insufficient/repetitive/excluded direct dispute frivolous but must notify consumer within five business days and identify missing information. | S006, §1022.43(f). | **High.** |\n| **S_NE-P10-C038** | CRA notice triggers §1681s-2(b) investigation, relevant-information review, result reporting, and correction/deletion/blocking duties. | S005, §1681s-2(b). | **High.** |\n| **S_NE-P10-C039** | Furnisher policies must be reasonable, written, appropriately scoped, periodically reviewed, and informed by Appendix E. | S006, §1022.42. | **High.** |\n| **S_NE-P10-C040** | Appendix E identifies re-aging, duplicate reporting, transfer, service-provider, correction, and wrong-consumer controls. | S006, Appendix E. | **High as guideline content;** not every item a freestanding private duty. |\n| **S_NE-P10-C041** | Ordinary FCRA private liability does not attach to §1681s-2(a) or direct-dispute regulations; public enforcement applies. | S005, §1681s-2(c)–(d). | **High.** Full remedies excluded. |\n| **S_NE-P10-C042** | §1681s-2(b) is the Eighth Circuit’s privately actionable furnisher-dispute branch. | S008, *Johnson*. | **High.** |\n| **S_NE-P10-C043** | CRA dispute and direct furnisher dispute do not create FDCPA collection pause. | S004–S007. | **High distinction.** |\n| **S_NE-P10-C044** | Timely written FDCPA validation dispute pauses collection for covered debt collector. | S007, §1692g(b). | **High; separate actor/debt predicates.** |\n| **S_NE-P10-C045** | Ordinary collection/charge-off information generally ages out under seven-year-plus-180-day formula from original preceding delinquency. | S004, §1681c(a)(4), (c). | **High.** |\n| **S_NE-P10-C046** | Sale, assignment, payment, or settlement does not reset original reporting clock. | S004 §1681c(c); S005 §1681s-2(a)(5); S006 Appendix E. | **High supported inference.** |\n| **S_NE-P10-C047** | High-value credit, life-insurance, and employment uses have specified ordinary-obsolescence exceptions. | S004, §1681c(b). | **High; narrow report-use exceptions.** |\n| **S_NE-P10-C048** | Payment or settlement does not establish automatic deletion right for accurately reported ordinary debt. | S004–S006. | **High bounded conclusion;** contract or voluntary bureau policy may differ. |\n| **S_NE-P10-C049** | Paid or settled account must nevertheless report current balance and status accurately. | S005 §§1681s-2(a)(1)–(2); S006 §1022.42. | **High.** |\n| **S_NE-P10-C050** | Dual creditor/buyer tradelines are not automatically prohibited, but duplication, re-aging, wrong balance, or wrong consumer can violate accuracy/integrity duties. | S005–S006. | **Supported inference; actual tradelines required.** |\n| **S_NE-P10-C051** | *Johnson* ties investigation scope to dispute information the CRA actually transmitted. | S008, slip pp. 4–5/PDF indices 3–4. | **High controlling Eighth Circuit rule.** |\n| **S_NE-P10-C052** | *Johnson* approved account-history review on conclusory dispute facts, not universally. | S008. | **High, fact-limited.** |\n| **S_NE-P10-C053** | *Anderson* holds §1681s-2(b) private duties are triggered by CRA notice, not direct consumer notice. | S009, slip p.3/PDF index 2. | **High.** |\n| **S_NE-P10-C054** | *Lloyd* confirms CRA reasonable-reinvestigation duties and fact-specific reasonableness of reliance on furnisher. | S010, slip pp.4–8/PDF indices 3–7. | **High.** |\n| **S_NE-P10-C055** | No controlling Nebraska appellate general ordinary-debt furnishing/dispute case was located. | S014. | **Limited negative search only.** |\n| **S_NE-P10-C056** | Current CFPB preemption interpretation is broad but nonbinding and does not itself invalidate a particular Nebraska law. | S011. | **High for document status.** |\n| **S_NE-P10-C057** | 2025 CFPB medical-debt rule is vacated and not operative. | S012. | **High; medical dossier excluded.** |\n| **S_NE-P10-C058** | 2015 Nebraska multistate CRA settlement is party-specific and not a merits holding or universal statute. | S013. | **High for release; underlying assurance not read.** |\n| **S_NE-P10-C059** | A security freeze does not correct, delete, validate, or stop collection on an existing tradeline. | S002, S004. | **High distinction.** |\n| **S_NE-P10-C060** | Numeric agreement in a reporting example does not prove debt validity, fee authorization, deletion right, or score improvement. | Scope and accuracy principles. | **High methodological limit.** |\n\n# L. Granular coverage and remaining gaps\n\n| Assigned issue | Status | Claim IDs | Missing evidence or next action |\n| --- | --- | --- | --- |\n| Nebraska general furnisher accuracy statute | **No general counterpart verified** | C010–C011 | Full administrative archive, nonindexed rules, or controlling state case |\n| Nebraska file access | **Answered** | C001–C004 | Exact electronic-equivalence ruling and current indexed charge if nonfree |\n| Nebraska CRA code key | **Answered** | C001 | Actual coded report |\n| Nebraska direct dispute procedure | **Not generally verified** | C011 | Sector-specific statute or agency interpretation |\n| Nebraska correction/deletion timing | **Not generally verified** | C011 | Same |\n| Nebraska installment-loan false reporting | **Answered narrowly** | C010 | Actor/loan/license facts |\n| Nebraska security freeze | **Answered with preemption qualification** | C005–C009 | Controlling case defining surviving nonoverlapping state provisions |\n| Nebraska fraud-alert law | **Excluded except freeze boundary** | — | Separate identity-theft dossier |\n| Nebraska consumer-report private remedy | **Excluded except state statutory enforcement description** | — | Full remedies and limitations pass |\n| CRA file disclosure | **Answered** | C003, C013 | Actual request/identification and report |\n| CRA maximum-accuracy duty | **Answered** | C012 | Report-specific reasonableness evidence |\n| CRA reinvestigation trigger | **Answered** | C014 | Actual CRA receipt and dispute contents |\n| CRA 30-day period | **Answered** | C014–C016 | Exact receipt date and later submissions |\n| CRA 15-day extension | **Answered** | C015 | Timing and relevance of added information |\n| Annual-report 45-day branch | **Answered** | C016 | Proof dispute followed annual report |\n| CRA furnisher notice | **Answered** | C017 | ACDV or actual transmission content |\n| CRA frivolous dispute | **Answered** | C018 | Actual notice and missing information |\n| CRA correction/deletion | **Answered** | C019 | Actual reinvestigation evidence |\n| Reinsertion | **Answered** | C020 | Certification and notice evidence |\n| Results/procedure description | **Answered** | C021–C022 | Actual completion and requests |\n| Consumer dispute statement | **Answered** | C023 | Actual word count and unresolved item |\n| Prior-recipient notification | **Answered** | C023 | Identified recipients and request |\n| Reseller dispute | **Answered** | C024 | Actual reseller role |\n| Furnisher initial accuracy | **Answered** | C025 | Actual furnished data and knowledge |\n| Furnisher correction/update | **Answered** | C026 | Date furnisher determined error |\n| Disputed-status reporting | **Answered** | C027–C028 | Actual consumer dispute and subsequent furnishing |\n| Voluntary closure | **Answered** | C029 | Actual closure type |\n| Original date of delinquency | **Answered** | C030–C031 | Actual payment history and creditor data |\n| Financial-institution negative notice | **Answered** | C032 | Institution/customer/account predicates |\n| Direct furnisher dispute coverage | **Answered** | C033 | Exact information disputed |\n| Direct dispute address/content | **Answered** | C034 | Furnisher-designated address and submission |\n| Direct dispute exclusions | **Answered** | C035 | Actual public-record/CRO/other-furnisher facts |\n| Direct dispute investigation | **Answered** | C036 | Actual files, response, and deadline |\n| Frivolous direct dispute | **Answered** | C037 | Actual insufficiency or repetition |\n| CRA-routed furnisher dispute | **Answered** | C038 | CRA notice and transmitted materials |\n| Furnisher policies/Appendix E | **Answered** | C039–C040 | Actual policies and servicing controls |\n| Private/public enforcement distinction | **Answered narrowly** | C041–C042 | Full damages, standing, causation, and limitations excluded |\n| CRA dispute versus FDCPA pause | **Answered** | C043–C044 | Actual collector and debt coverage |\n| Seven-year/180-day period | **Answered** | C045 | Actual D0 and report-use context |\n| Sale/payment reset | **Answered as no reset** | C046 | Actual reported delinquency dates |\n| High-value exceptions | **Answered** | C047 | Actual report purpose and expected amount |\n| Paid account status | **Answered generally** | C048–C049 | Settlement terms and furnishing data |\n| Settled account deletion | **No automatic statutory right verified** | C048 | Actual contract or voluntary policy |\n| Pay-for-delete promise | **Contract/policy dependent; excluded** | C048 | Written promise and enforceability |\n| Duplicate tradelines | **Partial/fact-dependent** | C050 | Full reports, ownership, balances, dates, and codes |\n| Original creditor/owner identification | **Partial** | C013, C050 | Actual sources, tradeline fields, sale chain |\n| Successor furnisher corrections | **Answered generally through accuracy/policy duties** | C026, C038–C040 | Actual transfer contract and CRA submissions |\n| Johnson investigation standard | **Answered** | C051–C052 | Actual CRA notice content |\n| Anderson trigger | **Answered** | C053 | Actual CRA notice |\n| Lloyd CRA reasonableness | **Answered** | C054 | Evidence CRA received and source reliability |\n| Nebraska appellate ordinary-debt cases | **Not located** | C055 | Full commercial citator, trial and archived agency research |\n| FCRA state-law preemption | **Answered textually; application partial** | C007, C056 | Claim-by-claim state-law analysis and controlling case |\n| 2025 preemption rule | **Answered as nonbinding interpretation** | C056 | Judicial application |\n| Medical debt | **Excluded except vacatur status** | C057 | Full federal/state medical dossier |\n| Identity-theft blocking | **Excluded** | — | §§1681c-2 and Regulation V identity-theft pass |\n| Specialty tenant/employment/insurance reporting | **Excluded** | — | Separate specialty-reporting components |\n| Mortgage/repo/child-support/tax/education reporting | **Excluded** | — | Separate sector passes |\n| Bankruptcy reporting | **Excluded** | — | Bankruptcy and discharge-reporting pass |\n| Ordinary debt limitations/revival | **Excluded** | — | State limitations component |\n| Litigation/admissibility | **Excluded** | — | Pleading, business-record, assignment, and proof pass |\n| Credit score effect | **Unresolved/account-specific** | C060 | Actual bureau data and scoring model; no guarantee possible |\n| Named account/provider verification | **Not performed** | — | Actual reports, contracts, furnisher files, and legal entity |\n| Component/state/parent/A066 acceptance | **Not granted** | — | Remaining registry dimensions and scoped review |\n\n# M. Researcher self-check\n\n## Freshly read in PASS-10\n\n- Nebraska §20-149 in full.\n- Nebraska Credit Report Protection Act provisions necessary for:definitions;freeze placement and release;timing;fees;existing-account and collection exceptions; andAttorney General enforcement.\n- Nebraska §45-372’s relevant installment-loan false-credit-information clause.\n- Current federal statutory provisions governing:CRA accuracy;file disclosures and methods;free and chargeable disclosures;CRA disputes and reinvestigations;deletion and reinsertion;consumer statements and prior-recipient notices;ordinary obsolescence and reporting clocks;national security freezes;furnisher accuracy, disputed status, negative-information notice, direct disputes, CRA-routed disputes, delinquency dates, correction and enforcement;FCRA preemption; andthe narrow FDCPA validation comparison.\n- Current Regulation V:§1022.42;§1022.43; andAppendix E.\n- The current published opinions in:*Johnson v. Freedom Mortgage Corp.*;*Anderson v. EMC Mortgage Corp.*; and*Lloyd v. FedLoan Servicing*.\n- The 2025 CFPB FCRA preemption interpretive rule.\n- The current CFPB page confirming vacatur of the 2025 medical-debt rule.\n- The Nebraska Attorney General’s 2015 CRA settlement release.\n\n## Prior-report treatment\n\nPASS-08 and PASS-09 were not treated as reviewed or accepted premises. The limited collection and validation distinctions needed for comparison were freshly read from the federal statutes. No prior collector classification, validation, or account conclusion was silently incorporated.\n\n## Bounded negative searches\n\nThe public searches did not locate:\n\n- a general Nebraska furnisher-dispute statute beyond the narrow authorities described;\n- a controlling Nebraska appellate ordinary-debt furnishing or CRA-reinvestigation decision;\n- a Nebraska appellate paid-or-settled deletion rule;\n- a Nebraska appellate security-freeze preemption decision;\n- or a Nebraska appellate interpretation of §20-149’s electronic format.\n\nThese are bounded negative search results. They do not establish that no trial decision, unpublished opinion, paper administrative order, archived agency file, or commercial-citator authority exists.\n\n## Not read or performed\n\n- No actual consumer report, tradeline, ACDV, furnisher response, dispute, settlement, payment history, deletion letter, reinsertion notice, freeze record, score, account contract, assignment, furnishing file, Metro 2 data, or named-provider record.\n- No records request, complaint, filing, purchase, paid database, regulator contact, furnisher contact, CRA contact, or private-data access.\n- No complete:medical-debt or medical-information report;identity-theft blocking or coercion-restoration report;specialty tenant, employment, insurance, or eligibility-screening analysis;bankruptcy-reporting analysis;mortgage, repossession, child-support, tax, education, or public-debt reporting dossier;ordinary debt limitations or revival analysis;litigation proof, damages, standing, or remedies calculation;local, tribal, or country analysis.\n- No Deep Research, Work, Codex research generation, API, account change, website action, publication, Chrome control, other Chat, CAPTCHA bypass, security workaround, or local-file save.\n\n**Focused disposition:** Nebraska supplies a file-copy right, a codified but federally preempted-in-part security-freeze framework, and a narrow installment-loan false-reporting prohibition. The comprehensive ordinary-debt reporting and dispute architecture is federal: maximum-accuracy procedures, CRA reinvestigation, furnisher correction and disputed-status duties, direct-dispute rules, CRA-routed investigations, delinquency-date preservation, correction or deletion, reinsertion controls, and reporting-age limits. These duties do not create a universal collection pause, signed-contract production requirement, paid-debt deletion right, debt-validity determination, or guaranteed score improvement.\n\nEND S_NE PASS-10.\n\n","tables":[{"headers":["Actor","Trigger and proper channel","Required action or information","Deadline","Collection/reporting consequence","Governing layer"],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Actor","Trigger and proper channel","Required action or information","Deadline","Collection/reporting consequence","Governing layer"],["Consumer reporting agency doing business in Nebraska","Consumer, protected consumer, or representative requests file information and satisfies identification requirements","Typewritten or photostatic copy of report/file information; key to any code used","No separate Nebraska response deadline in §20-149","Access right only; does not itself correct or dispute an item","Nebraska §20-149 plus incorporated federal access conditions"],["Nationwide CRA—annual file request","Request through federally prescribed centralized source","All §1681g file disclosures","No later than 15 days after receipt","No charge; subsequent dispute may use special 45-day reinvestigation period","Federal §§1681g, 1681j"],["CRA receiving ordinary accuracy dispute","Consumer notifies CRA directly or through reseller","Reasonable reinvestigation; notify furnisher; review relevant information; delete or modify inaccurate, incomplete, or unverifiable item; send results","Normally 30 days from CRA receipt; up to 15 additional days when qualifying new information arrives","No automatic collection pause; report must be corrected or item deleted when statutory result requires","Federal §1681i"],["CRA finding dispute frivolous or irrelevant","Insufficient information or another reasonable statutory basis","Notice stating reason and information needed","Within five business days after determination","Reinvestigation may terminate; debt or tradeline is not thereby established as valid","Federal §1681i(a)(3)"],["CRA reinserting deleted information","Furnisher certifies that item is complete and accurate","Reinsert only after certification; notify consumer and identify furnisher; explain statement right","Notice within five business days after reinsertion","Reinsertion is not categorically barred, but anti-reappearance procedures apply","Federal §1681i(a)(5)"],["Reseller receiving dispute","Consumer disputes an item in a reseller-produced report","Determine within five business days whether reseller caused error; correct/delete if so; otherwise forward to source CRA and reconvey result","Five business days for classification; 20 days for reseller-caused correction","Does not create collection pause","Federal §1681i(f)"],["Original creditor, collector, servicer, or debt buyer that furnishes data","Furnishing information in ordinary course","Do not furnish information known or reasonably believed inaccurate; promptly correct/update identified incomplete or inaccurate information","Prompt; no single universal number for general correction","Continued furnishing must be complete and accurate","Federal §1681s-2(a)"],["Furnisher receiving consumer dispute directly","Dispute sent to proper address and contains sufficient account, issue, basis, and supporting information","Reasonable investigation; review relevant information; send result to consumer; notify every CRA previously given inaccurate information if correction required","Same outside period that would govern CRA action under §1681i","No FCRA collection pause; inaccurate furnishing must be corrected","Regulation V §1022.43"],["Furnisher receiving dispute through CRA","CRA sends §1681i(a)(2) notice and all relevant consumer information","Investigate; review CRA information; report result; notify other nationwide CRAs if incomplete/inaccurate; modify, delete, or permanently block inaccurate, incomplete, or unverifiable information","Before CRA’s reinvestigation deadline","This is the principal privately enforceable furnisher-dispute branch; no automatic collection pause","Federal §1681s-2(b)"],["Furnisher after direct consumer dispute","Consumer disputes completeness or accuracy to furnisher","If furnishing continues, report that item is disputed","While information remains disputed","CRA must indicate dispute in reports after receiving furnisher notice","Federal §§1681s-2(a)(3), 1681c(f)"],["Furnisher reporting collection or charge-off","Delinquent account placed for collection, charged off, or similarly treated","Supply original date of delinquency—the month and year of delinquency immediately preceding that action","Within 90 days after first furnishing the collection/charge-off information","Prevents re-aging; sale or new collector should not reset the date","Federal §1681s-2(a)(5)"],["Financial institution regularly furnishing negative information","First furnishing of delinquency, late payment, insolvency, or default to nationwide CRA","Written notice to customer","Before or no later than 30 days after furnishing","One notice can cover later negative furnishing on same transaction/account","Federal §1681s-2(a)(7)"],["Nebraska installment-loan licensee","Collecting a loan covered by Nebraska Installment Loan and Sales Act","May not communicate or threaten to communicate credit information known to be false","Ongoing","State regulatory prohibition; not a comprehensive general furnisher-dispute system","Nebraska §45-372(7)(i)"],["Covered FDCPA debt collector","Timely written validation dispute within federal validation period","Obtain and send verification or judgment before resuming collection","No fixed verification-completion deadline; pause lasts until compliant response","Collection of debt or disputed part pauses","Federal §1692g—not the CRA or direct-furnisher process"]]},{"headers":["Feature","CRA dispute","Direct furnisher dispute","FDCPA validation dispute"],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Feature","CRA dispute","Direct furnisher dispute","FDCPA validation dispute"],["Recipient","Consumer reporting agency or reseller","Furnisher at proper dispute address","Covered federal debt collector"],["Covered subject","Completeness or accuracy of CRA file item","Furnisher-account information within §1022.43 scope","Validity or amount of covered consumer debt"],["Consumer form","No federal paper-only rule; CRA identification and accepted process apply","Account identification, exact disputed item, basis, and supporting information","Written notice to debt collector for collection-pause protection"],["Basic deadline","CRA receives dispute; normally 30 days","Same outside period that would govern CRA investigation","Must be received or submitted as required within validation period"],["CRA-to-furnisher notice","Yes, within five business days","No CRA intermediary","No"],["Investigation result sent to consumer","CRA sends results and revised report","Furnisher sends direct result","Collector sends verification or judgment if it wants to resume collection"],["Collection pause","No","No","Yes, for debt or disputed portion"],["Reporting correction","CRA deletes/modifies; furnisher may have correction duties","Furnisher notifies each CRA if inaccurate","Not automatically a credit-report correction"],["Original signed contract required","No universal rule","No universal rule","No universal rule"],["Failure to dispute effect","Does not validate debt as a matter of law","Does not validate debt","Failure to use validation right is not a court admission"],["Principal private FCRA branch","CRA duties under §§1681e/1681i","Subsection (a) duties publicly enforced","Not a FCRA procedure"],["Furnisher private FCRA branch","CRA notice can trigger §1681s-2(b)","Direct notice alone does not trigger §1681s-2(b)","Separate FDCPA claim architecture"]]},{"headers":["Event","CRA duty","Furnisher duty","Consumer-facing consequence"],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Event","CRA duty","Furnisher duty","Consumer-facing consequence"],["CRA finds information inaccurate","Delete or modify promptly","Receives CRA notice of modification/deletion","Revised report and results notice"],["CRA cannot verify information","Delete or modify","Furnisher loses that CRA reporting result unless later certification supports reinsertion","Item may be removed even without adjudicating underlying debt"],["Furnisher determines prior data incomplete/inaccurate","CRA updates when corrected data received","Notify CRA promptly, correct, and do not refurnish uncorrected data","Reporting should reflect corrected status"],["CRA-routed investigation finds inaccurate/incomplete/unverifiable item","CRA acts on result","Furnisher modifies, deletes, or permanently blocks for reporting and informs other nationwide CRAs as required","Correction can propagate beyond first CRA"],["Direct furnisher dispute finds inaccurate item","CRA updates after furnisher sends correction","Furnisher sends correction to every CRA it previously gave inaccurate information","Consumer receives furnisher result; no automatic CRA dispute package unless separately initiated"],["CRA deletes item after dispute","Item removed","No automatic further furnishing right","Reinsertion requires furnisher certification"],["Furnisher certifies deleted item complete and accurate","CRA may reinsert","Furnisher assumes responsibility for certification","Consumer receives reinsertion notice within five business days"],["Consumer still disagrees after reinvestigation","CRA can retain item if otherwise reportable","Furnisher may continue, with disputed-status notice where required","Consumer may add statement and request notice to recent report recipients"],["Account transferred","CRA retains existing file data subject to accuracy and obsolescence","Old and new furnishers should prevent re-aging, duplication, wrong balance, and wrong consumer association","Transfer alone does not restart reporting clock"],["Furnisher corrects balance to zero after payment/settlement","CRA updates tradeline","Furnisher supplies accurate balance/status","No automatic deletion or score result"]]},{"headers":["Source ID","Title, issuer, direct literal URL, and exact pinpoint","Version/status and access","Scope and limits"],"index":3,"links":[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=20-149&utm_source=chatgpt.com","text":"nebraskalegislature.gov"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=8-2605&utm_source=chatgpt.com","text":"nebraskalegislature.gov"},{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-372&utm_source=chatgpt.com","text":"nebraskalegislature.gov"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1681i/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1681s-2/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com","text":"ecfr.gov"},{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692g/?utm_source=chatgpt.com","text":"uscode.house.gov"},{"href":"https://ecf.ca8.uscourts.gov/opndir/26/02/242787P.pdf?utm_source=chatgpt.com","text":"ecf.ca8.uscourts.gov"},{"href":"https://ecf.ca8.uscourts.gov/opndir/11/02/093906P.pdf?utm_source=chatgpt.com","text":"ecf.ca8.uscourts.gov"},{"href":"https://ecf.ca8.uscourts.gov/opndir/24/06/222840P.pdf?utm_source=chatgpt.com","text":"ecf.ca8.uscourts.gov"},{"href":"https://www.federalregister.gov/documents/2025/10/28/2025-19671/fair-credit-reporting-act-preemption-of-state-laws?utm_source=chatgpt.com","text":"federalregister.gov"},{"href":"https://www.consumerfinance.gov/rules-policy/final-rules/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v/?utm_source=chatgpt.com","text":"consumerfinance.gov"},{"href":"https://ago.nebraska.gov/news/ag-announces-6-million-settlement-credit-reporting-agencies?utm_source=chatgpt.com","text":"ago.nebraska.gov"}],"row_links":[[],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=20-149&utm_source=chatgpt.com","text":"nebraskalegislature.gov"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=8-2605&utm_source=chatgpt.com","text":"nebraskalegislature.gov"}],[{"href":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-372&utm_source=chatgpt.com","text":"nebraskalegislature.gov"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1681i/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1681s-2/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[{"href":"https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43?utm_source=chatgpt.com","text":"ecfr.gov"}],[{"href":"https://uscode.house.gov/us/usc/119-124/t15/s1692g/?utm_source=chatgpt.com","text":"uscode.house.gov"}],[{"href":"https://ecf.ca8.uscourts.gov/opndir/26/02/242787P.pdf?utm_source=chatgpt.com","text":"ecf.ca8.uscourts.gov"}],[{"href":"https://ecf.ca8.uscourts.gov/opndir/11/02/093906P.pdf?utm_source=chatgpt.com","text":"ecf.ca8.uscourts.gov"}],[{"href":"https://ecf.ca8.uscourts.gov/opndir/24/06/222840P.pdf?utm_source=chatgpt.com","text":"ecf.ca8.uscourts.gov"}],[{"href":"https://www.federalregister.gov/documents/2025/10/28/2025-19671/fair-credit-reporting-act-preemption-of-state-laws?utm_source=chatgpt.com","text":"federalregister.gov"}],[{"href":"https://www.consumerfinance.gov/rules-policy/final-rules/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v/?utm_source=chatgpt.com","text":"consumerfinance.gov"}],[{"href":"https://ago.nebraska.gov/news/ag-announces-6-million-settlement-credit-reporting-agencies?utm_source=chatgpt.com","text":"ago.nebraska.gov"}],[]],"rows":[["Source ID","Title, issuer, direct literal URL, and exact pinpoint","Version/status and access","Scope and limits"],["S_NE-P10-S001","Neb. Rev. Stat. §20-149 — Consumer reporting agency; furnish information; duty; violation; penalty, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=20-149; operative text lines/clauses concerning CRA doing business in Nebraska, request, copy, code key, January 1, 2016 federal incorporation, and misdemeanor.","Current official codification freshly read October 26, 2026 Pacific/UTC. Enacted 1983; amended 2016.","Nebraska file-access duty only. No response deadline or civil remedy stated. (nebraskalegislature.gov)"],["S_NE-P10-S002","Nebraska Credit Report Protection Act, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=8-2601; ...=8-2602; ...=8-2604; ...=8-2605; ...=8-2606; ...=8-2609; ...=8-2613; ...=8-2615. Exact subjects: definitions, release bar, placement, confirmation, temporary lift, fees, exceptions, AG enforcement.","Current official state text freshly read October 26, 2026. Principal enactment 2007; amendments include 2016.","Overlapping national-freeze requirements are subject to express federal preemption. Exact surviving nonoverlapping state scope unresolved. (nebraskalegislature.gov)"],["S_NE-P10-S003","Neb. Rev. Stat. §45-372, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=45-372; subsection (7)(i), communication or threat to communicate credit information known to be false.","Current official codification freshly read October 26, 2026.","Narrow installment-loan-licensee conduct rule, not general state furnishing code. (nebraskalegislature.gov)"],["S_NE-P10-S004","15 U.S.C. §§1681c, 1681c-1, 1681e, 1681g, 1681h, 1681i, 1681j, and 1681t, Office of Law Revision Counsel. https://uscode.house.gov/us/usc/119-124/t15/s1681c/; .../s1681c-1/; .../s1681e/; .../s1681g/; .../s1681h/; .../s1681i/; .../s1681j/; .../s1681t/.","U.S. Code in effect through Public Law 119-124, October 15, 2026; freshly read October 26.","CRA accuracy, access, dispute, reporting-age, freeze, and preemption provisions. Medical, bankruptcy, and specialty-report branches not fully analyzed. (uscode.house.gov)"],["S_NE-P10-S005","15 U.S.C. §1681s-2 — Responsibilities of furnishers, Office of Law Revision Counsel. https://uscode.house.gov/us/usc/119-124/t15/s1681s-2/; subsections (a)(1)–(8), (b), (c), (d), and (e).","U.S. Code through Public Law 119-124, October 15, 2026; freshly read October 26.","General accuracy, correction, disputed status, delinquency date, negative-information notice, direct and CRA-routed dispute duties, and enforcement boundary. (uscode.house.gov)"],["S_NE-P10-S006","Regulation V, 12 C.F.R. §§1022.42 and 1022.43; Appendix E, CFPB/OFR. 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.","eCFR displayed Title 12 current through October 22, 2026 and last amended October 2, 2026; freshly read October 26.","Direct disputes, policies, and accuracy/integrity guidelines. Appendix E is guideline material incorporated as appropriate under §1022.42. (ecfr.gov)"],["S_NE-P10-S007","15 U.S.C. §1692g — Validation of debts, Office of Law Revision Counsel. https://uscode.house.gov/us/usc/119-124/t15/s1692g/; subsections (a)–(d).","U.S. Code through Public Law 119-124, October 15, 2026; freshly read October 26.","Used only to distinguish collection validation and its pause from credit-report disputes. No full FDCPA report. (uscode.house.gov)"],["S_NE-P10-S008","Johnson v. Freedom Mortgage Corp., No. 24-2787, U.S. Court of Appeals for the Eighth Circuit. https://ecf.ca8.uscourts.gov/opndir/26/02/242787P.pdf; printed slip pp. 4–5, zero-based PDF indices 3–4, §1681s-2(a)/(b), CRA-notice scope, and reasonableness discussion.","Published opinion filed February 2, 2026; fresh text and page-image review October 26, 2026.","Controlling Eighth Circuit furnisher investigation authority; mortgage facts, but ordinary §1681s-2 principles. (ecf.ca8.uscourts.gov)"],["S_NE-P10-S009","Anderson v. EMC Mortgage Corp., 631 F.3d 905 (8th Cir. 2011). https://ecf.ca8.uscourts.gov/opndir/11/02/093906P.pdf; printed/slip pp. 3 and 5, zero-based PDF indices 2 and 4.","Final published Eighth Circuit opinion; fresh text and page-image review October 26, 2026.","CRA notice trigger and accurate-reporting result; does not eliminate direct-dispute regulation. (ecf.ca8.uscourts.gov)"],["S_NE-P10-S010","Lloyd v. FedLoan Servicing, No. 22-2840, U.S. Court of Appeals for the Eighth Circuit. https://ecf.ca8.uscourts.gov/opndir/24/06/222840P.pdf; slip pp. 4–8, zero-based indices 3–7.","Published opinion filed June 21, 2024; fresh text and page-image review October 26, 2026.","CRA and furnisher reasonableness on record presented; federal student-loan facts but ordinary FCRA investigation principles. (ecf.ca8.uscourts.gov)"],["S_NE-P10-S011","Fair Credit Reporting Act; Preemption of State Laws, CFPB, 90 Fed. Reg. 48710. https://www.federalregister.gov/documents/2025/10/28/2025-19671/fair-credit-reporting-act-preemption-of-state-laws; action, summary, dates, and nonbinding-preemption discussion.","Interpretive rule published and applicable October 28, 2025; freshly read October 26, 2026.","Current nonbinding CFPB interpretation; courts decide actual preemption. Replaces/withdraws 2022 interpretation. (federalregister.gov)"],["S_NE-P10-S012","Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information, CFPB. https://www.consumerfinance.gov/rules-policy/final-rules/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v/; current status lines identifying July 11, 2025 vacatur.","Official page last modified February 24, 2026; freshly read October 26, 2026.","Vacated medical-debt rule, included solely to prevent use as current authority. Medical dossier excluded. (consumerfinance.gov)"],["S_NE-P10-S013","AG Announces $6 Million Settlement with Credit Reporting Agencies, Nebraska Attorney General. https://ago.nebraska.gov/news/ag-announces-6-million-settlement-credit-reporting-agencies; May 20, 2015 release.","Historical official press release freshly read October 26, 2026.","Party-specific settlement description. Underlying Assurance of Voluntary Compliance not read; not merits precedent or universal rule. (ago.nebraska.gov)"],["S_NE-P10-S014","Bounded Nebraska and federal searches for ordinary-debt furnishing, CRA disputes, paid/settled deletion, delinquency dates, reinsertion, preemption, and Nebraska appellate authorities, across Nebraska Legislature, Nebraska appellate repository, Nebraska AG, CFPB, Eighth Circuit, Supreme Court, eCFR, and U.S. Code.","Search-only work October 26, 2026.","No controlling Nebraska appellate general-furnishing or dispute case located. Not an exhaustive paid citator, trial docket, administrative archive, or records request."]]},{"headers":["Claim ID","Precise assertion","Source and pinpoint","Predicates, exceptions, relationship, consequence, confidence"],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Source and pinpoint","Predicates, exceptions, relationship, consequence, confidence"],["S_NE-P10-C001","Nebraska CRA doing business in state must provide requested report/file copy and code key after qualifying identification.","S001, §20-149.","High. State format and charge language subject to incorporated and current federal rights."],["S_NE-P10-C002","§20-149 does not itself establish a general Nebraska dispute investigation or furnisher-correction process.","S001 complete section.","High for text."],["S_NE-P10-C003","Federal law requires one free annual file disclosure and additional free categories.","S004, §§1681g–1681j.","High."],["S_NE-P10-C004","Exact 2026 charge for otherwise chargeable federal file disclosure was not verified.","S004, §1681j(f) indexing provision.","HOLD. No amount invented."],["S_NE-P10-C005","Nebraska freeze text requires three-business-day placement and five-business-day confirmation.","S002, §§8-2605–8-2606.","High as codified state text."],["S_NE-P10-C006","Federal national-freeze law requires one-business-day electronic/telephone placement, three-business-day mail placement, and five-business-day confirmation.","S004, §1681c-1(i).","High."],["S_NE-P10-C007","FCRA expressly preempts state requirements or prohibitions concerning national security-freeze subject matter.","S004, §1681t(b)(1)(J).","High. Exact nonoverlapping Nebraska survival remains unresolved."],["S_NE-P10-C008","A freeze does not bar existing creditors, affiliates, agents, assignees, or collectors from account review or collection access.","S004, §1681c-1(i)(4)(A).","High."],["S_NE-P10-C009","Nebraska AG has statutory freeze-act enforcement and civil-penalty authority.","S002, §8-2615.","High as state text; applicability to federally preempted overlap held."],["S_NE-P10-C010","Nebraska installment-loan licensee may not communicate or threaten to communicate credit information known to be false while collecting a covered loan.","S003, §45-372(7)(i).","High; narrow sector scope."],["S_NE-P10-C011","No general Nebraska furnisher accuracy/direct-dispute counterpart was verified in the state authorities and bounded searches.","S001–S003, S014.","Bounded negative finding, not proof of absence."],["S_NE-P10-C012","CRA must use reasonable procedures to assure maximum possible accuracy whenever preparing a report.","S004, §1681e(b).","High. Reasonableness is fact-specific."],["S_NE-P10-C013","CRA file disclosure includes file information, sources, and specified report recipients.","S004, §1681g(a).","High."],["S_NE-P10-C014","CRA ordinarily must conduct free reasonable reinvestigation within 30 days after receiving dispute.","S004, §1681i(a)(1)(A).","High."],["S_NE-P10-C015","CRA may extend up to 15 days for qualifying additional consumer information, except after finding item inaccurate, incomplete, or unverifiable.","S004, §1681i(a)(1)(B)–(C).","High."],["S_NE-P10-C016","Dispute after federal annual report can use special 45-day reinvestigation period.","S004, §1681j(a)(3).","High."],["S_NE-P10-C017","CRA must notify furnisher and transmit all relevant dispute information within five business days.","S004, §1681i(a)(2).","High."],["S_NE-P10-C018","CRA may terminate frivolous/irrelevant dispute but must notify consumer within five business days and identify reasons/information needed.","S004, §1681i(a)(3).","High."],["S_NE-P10-C019","CRA must delete or modify inaccurate, incomplete, or unverifiable information.","S004, §1681i(a)(5)(A).","High."],["S_NE-P10-C020","Reinsertion requires furnisher certification and consumer notice within five business days.","S004, §1681i(a)(5)(B).","High."],["S_NE-P10-C021","CRA must provide reinvestigation results and revised report within five business days after completion.","S004, §1681i(a)(6).","High."],["S_NE-P10-C022","CRA must provide procedure description within 15 days after consumer request.","S004, §1681i(a)(7).","High."],["S_NE-P10-C023","Consumer can add a dispute statement and request notification to defined recent report recipients.","S004, §1681i(b)–(d).","High."],["S_NE-P10-C024","Reseller has separate five-business-day classification and 20-day own-error correction duties.","S004, §1681i(f).","High."],["S_NE-P10-C025","Furnisher may not report information known or reasonably believed inaccurate.","S005, §1681s-2(a)(1).","High."],["S_NE-P10-C026","Regular furnisher determining prior information incomplete/inaccurate must correct and stop refurnishing uncorrected data.","S005, §1681s-2(a)(2).","High."],["S_NE-P10-C027","Continued furnishing after direct consumer dispute must include notice that information is disputed.","S005, §1681s-2(a)(3).","High."],["S_NE-P10-C028","CRA receiving disputed-status notice must indicate dispute in reports containing item.","S004, §1681c(f).","High."],["S_NE-P10-C029","Furnisher must report voluntary consumer closure of credit account.","S005, §1681s-2(a)(4).","High."],["S_NE-P10-C030","Furnisher of collection/charge-off information must report original delinquency month/year within 90 days.","S005, §1681s-2(a)(5).","High."],["S_NE-P10-C031","Later furnisher must preserve or reasonably obtain original date of delinquency and may not re-age account through sale or transfer.","S005, §1681s-2(a)(5)(B); S006 Appendix E.","High as statutory/guideline synthesis."],["S_NE-P10-C032","Financial institution’s first negative furnishing requires written notice before or within 30 days.","S005, §1681s-2(a)(7).","High."],["S_NE-P10-C033","Direct-dispute duty covers liability, terms, balance, payment status, dates, and related account information.","S006, §1022.43(a).","High."],["S_NE-P10-C034","Direct dispute must be sent to proper address and include account identity, exact issue, basis, and support.","S006, §1022.43(c)–(d).","High."],["S_NE-P10-C035","Regulation V excludes listed categories and qualifying CRO-prepared disputes from direct-dispute duty.","S006, §1022.43(b).","High; reasonable classification required."],["S_NE-P10-C036","Furnisher receiving compliant direct dispute must investigate, review information, respond by applicable period, and correct every affected CRA if inaccurate.","S006, §1022.43(e).","High. No collection pause."],["S_NE-P10-C037","Furnisher may deem insufficient/repetitive/excluded direct dispute frivolous but must notify consumer within five business days and identify missing information.","S006, §1022.43(f).","High."],["S_NE-P10-C038","CRA notice triggers §1681s-2(b) investigation, relevant-information review, result reporting, and correction/deletion/blocking duties.","S005, §1681s-2(b).","High."],["S_NE-P10-C039","Furnisher policies must be reasonable, written, appropriately scoped, periodically reviewed, and informed by Appendix E.","S006, §1022.42.","High."],["S_NE-P10-C040","Appendix E identifies re-aging, duplicate reporting, transfer, service-provider, correction, and wrong-consumer controls.","S006, Appendix E.","High as guideline content; not every item a freestanding private duty."],["S_NE-P10-C041","Ordinary FCRA private liability does not attach to §1681s-2(a) or direct-dispute regulations; public enforcement applies.","S005, §1681s-2(c)–(d).","High. Full remedies excluded."],["S_NE-P10-C042","§1681s-2(b) is the Eighth Circuit’s privately actionable furnisher-dispute branch.","S008, Johnson.","High."],["S_NE-P10-C043","CRA dispute and direct furnisher dispute do not create FDCPA collection pause.","S004–S007.","High distinction."],["S_NE-P10-C044","Timely written FDCPA validation dispute pauses collection for covered debt collector.","S007, §1692g(b).","High; separate actor/debt predicates."],["S_NE-P10-C045","Ordinary collection/charge-off information generally ages out under seven-year-plus-180-day formula from original preceding delinquency.","S004, §1681c(a)(4), (c).","High."],["S_NE-P10-C046","Sale, assignment, payment, or settlement does not reset original reporting clock.","S004 §1681c(c); S005 §1681s-2(a)(5); S006 Appendix E.","High supported inference."],["S_NE-P10-C047","High-value credit, life-insurance, and employment uses have specified ordinary-obsolescence exceptions.","S004, §1681c(b).","High; narrow report-use exceptions."],["S_NE-P10-C048","Payment or settlement does not establish automatic deletion right for accurately reported ordinary debt.","S004–S006.","High bounded conclusion; contract or voluntary bureau policy may differ."],["S_NE-P10-C049","Paid or settled account must nevertheless report current balance and status accurately.","S005 §§1681s-2(a)(1)–(2); S006 §1022.42.","High."],["S_NE-P10-C050","Dual creditor/buyer tradelines are not automatically prohibited, but duplication, re-aging, wrong balance, or wrong consumer can violate accuracy/integrity duties.","S005–S006.","Supported inference; actual tradelines required."],["S_NE-P10-C051","Johnson ties investigation scope to dispute information the CRA actually transmitted.","S008, slip pp. 4–5/PDF indices 3–4.","High controlling Eighth Circuit rule."],["S_NE-P10-C052","Johnson approved account-history review on conclusory dispute facts, not universally.","S008.","High, fact-limited."],["S_NE-P10-C053","Anderson holds §1681s-2(b) private duties are triggered by CRA notice, not direct consumer notice.","S009, slip p.3/PDF index 2.","High."],["S_NE-P10-C054","Lloyd confirms CRA reasonable-reinvestigation duties and fact-specific reasonableness of reliance on furnisher.","S010, slip pp.4–8/PDF indices 3–7.","High."],["S_NE-P10-C055","No controlling Nebraska appellate general ordinary-debt furnishing/dispute case was located.","S014.","Limited negative search only."],["S_NE-P10-C056","Current CFPB preemption interpretation is broad but nonbinding and does not itself invalidate a particular Nebraska law.","S011.","High for document status."],["S_NE-P10-C057","2025 CFPB medical-debt rule is vacated and not operative.","S012.","High; medical dossier excluded."],["S_NE-P10-C058","2015 Nebraska multistate CRA settlement is party-specific and not a merits holding or universal statute.","S013.","High for release; underlying assurance not read."],["S_NE-P10-C059","A security freeze does not correct, delete, validate, or stop collection on an existing tradeline.","S002, S004.","High distinction."],["S_NE-P10-C060","Numeric agreement in a reporting example does not prove debt validity, fee authorization, deletion right, or score improvement.","Scope and accuracy principles.","High methodological limit."]]},{"headers":["Assigned issue","Status","Claim IDs","Missing evidence or next action"],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Assigned issue","Status","Claim IDs","Missing evidence or next action"],["Nebraska general furnisher accuracy statute","No general counterpart verified","C010–C011","Full administrative archive, nonindexed rules, or controlling state case"],["Nebraska file access","Answered","C001–C004","Exact electronic-equivalence ruling and current indexed charge if nonfree"],["Nebraska CRA code key","Answered","C001","Actual coded report"],["Nebraska direct dispute procedure","Not generally verified","C011","Sector-specific statute or agency interpretation"],["Nebraska correction/deletion timing","Not generally verified","C011","Same"],["Nebraska installment-loan false reporting","Answered narrowly","C010","Actor/loan/license facts"],["Nebraska security freeze","Answered with preemption qualification","C005–C009","Controlling case defining surviving nonoverlapping state provisions"],["Nebraska fraud-alert law","Excluded except freeze boundary","—","Separate identity-theft dossier"],["Nebraska consumer-report private remedy","Excluded except state statutory enforcement description","—","Full remedies and limitations pass"],["CRA file disclosure","Answered","C003, C013","Actual request/identification and report"],["CRA maximum-accuracy duty","Answered","C012","Report-specific reasonableness evidence"],["CRA reinvestigation trigger","Answered","C014","Actual CRA receipt and dispute contents"],["CRA 30-day period","Answered","C014–C016","Exact receipt date and later submissions"],["CRA 15-day extension","Answered","C015","Timing and relevance of added information"],["Annual-report 45-day branch","Answered","C016","Proof dispute followed annual report"],["CRA furnisher notice","Answered","C017","ACDV or actual transmission content"],["CRA frivolous dispute","Answered","C018","Actual notice and missing information"],["CRA correction/deletion","Answered","C019","Actual reinvestigation evidence"],["Reinsertion","Answered","C020","Certification and notice evidence"],["Results/procedure description","Answered","C021–C022","Actual completion and requests"],["Consumer dispute statement","Answered","C023","Actual word count and unresolved item"],["Prior-recipient notification","Answered","C023","Identified recipients and request"],["Reseller dispute","Answered","C024","Actual reseller role"],["Furnisher initial accuracy","Answered","C025","Actual furnished data and knowledge"],["Furnisher correction/update","Answered","C026","Date furnisher determined error"],["Disputed-status reporting","Answered","C027–C028","Actual consumer dispute and subsequent furnishing"],["Voluntary closure","Answered","C029","Actual closure type"],["Original date of delinquency","Answered","C030–C031","Actual payment history and creditor data"],["Financial-institution negative notice","Answered","C032","Institution/customer/account predicates"],["Direct furnisher dispute coverage","Answered","C033","Exact information disputed"],["Direct dispute address/content","Answered","C034","Furnisher-designated address and submission"],["Direct dispute exclusions","Answered","C035","Actual public-record/CRO/other-furnisher facts"],["Direct dispute investigation","Answered","C036","Actual files, response, and deadline"],["Frivolous direct dispute","Answered","C037","Actual insufficiency or repetition"],["CRA-routed furnisher dispute","Answered","C038","CRA notice and transmitted materials"],["Furnisher policies/Appendix E","Answered","C039–C040","Actual policies and servicing controls"],["Private/public enforcement distinction","Answered narrowly","C041–C042","Full damages, standing, causation, and limitations excluded"],["CRA dispute versus FDCPA pause","Answered","C043–C044","Actual collector and debt coverage"],["Seven-year/180-day period","Answered","C045","Actual D0 and report-use context"],["Sale/payment reset","Answered as no reset","C046","Actual reported delinquency dates"],["High-value exceptions","Answered","C047","Actual report purpose and expected amount"],["Paid account status","Answered generally","C048–C049","Settlement terms and furnishing data"],["Settled account deletion","No automatic statutory right verified","C048","Actual contract or voluntary policy"],["Pay-for-delete promise","Contract/policy dependent; excluded","C048","Written promise and enforceability"],["Duplicate tradelines","Partial/fact-dependent","C050","Full reports, ownership, balances, dates, and codes"],["Original creditor/owner identification","Partial","C013, C050","Actual sources, tradeline fields, sale chain"],["Successor furnisher corrections","Answered generally through accuracy/policy duties","C026, C038–C040","Actual transfer contract and CRA submissions"],["Johnson investigation standard","Answered","C051–C052","Actual CRA notice content"],["Anderson trigger","Answered","C053","Actual CRA notice"],["Lloyd CRA reasonableness","Answered","C054","Evidence CRA received and source reliability"],["Nebraska appellate ordinary-debt cases","Not located","C055","Full commercial citator, trial and archived agency research"],["FCRA state-law preemption","Answered textually; application partial","C007, C056","Claim-by-claim state-law analysis and controlling case"],["2025 preemption rule","Answered as nonbinding interpretation","C056","Judicial application"],["Medical debt","Excluded except vacatur status","C057","Full federal/state medical dossier"],["Identity-theft blocking","Excluded","—","§§1681c-2 and Regulation V identity-theft pass"],["Specialty tenant/employment/insurance reporting","Excluded","—","Separate specialty-reporting components"],["Mortgage/repo/child-support/tax/education reporting","Excluded","—","Separate sector passes"],["Bankruptcy reporting","Excluded","—","Bankruptcy and discharge-reporting pass"],["Ordinary debt limitations/revival","Excluded","—","State limitations component"],["Litigation/admissibility","Excluded","—","Pleading, business-record, assignment, and proof pass"],["Credit score effect","Unresolved/account-specific","C060","Actual bureau data and scoring model; no guarantee possible"],["Named account/provider verification","Not performed","—","Actual reports, contracts, furnisher files, and legal entity"],["Component/state/parent/A066 acceptance","Not granted","—","Remaining registry dimensions and scoped review"]]}],"claims":[{"claim_id":"S_NE-P10-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C001","Precise assertion":"Nebraska CRA doing business in state must provide requested report/file copy and code key after qualifying identification.","Source and pinpoint":"S001, §20-149.","Predicates, exceptions, relationship, consequence, confidence":"High. State format and charge language subject to incorporated and current federal rights."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_limit":"Current 20-149 body read; incorporated federal January 1, 2016 text and exact Nebraska electronic equivalence not independently authenticated."},{"claim_id":"S_NE-P10-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C002","Precise assertion":"§20-149 does not itself establish a general Nebraska dispute investigation or furnisher-correction process.","Source and pinpoint":"S001 complete section.","Predicates, exceptions, relationship, consequence, confidence":"High for text."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_limit":"Current 20-149 body read; incorporated federal January 1, 2016 text and exact Nebraska electronic equivalence not independently authenticated."},{"claim_id":"S_NE-P10-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C003","Precise assertion":"Federal law requires one free annual file disclosure and additional free categories.","Source and pinpoint":"S004, §§1681g–1681j.","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C004","Precise assertion":"Exact 2026 charge for otherwise chargeable federal file disclosure was not verified.","Source and pinpoint":"S004, §1681j(f) indexing provision.","Predicates, exceptions, relationship, consequence, confidence":"HOLD. No amount invented."},"coordinator_verification_status":"researcher_attribution_or_uncompleted_scope_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C005","Precise assertion":"Nebraska freeze text requires three-business-day placement and five-business-day confirmation.","Source and pinpoint":"S002, §§8-2605–8-2606.","Predicates, exceptions, relationship, consequence, confidence":"High as codified state text."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_limit":"Selected state freeze bodies and federal i/j/t read; remaining state provisions and controlling residual application not resolved."},{"claim_id":"S_NE-P10-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C006","Precise assertion":"Federal national-freeze law requires one-business-day electronic/telephone placement, three-business-day mail placement, and five-business-day confirmation.","Source and pinpoint":"S004, §1681c-1(i).","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_limit":"Selected state freeze bodies and federal i/j/t read; remaining state provisions and controlling residual application not resolved."},{"claim_id":"S_NE-P10-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C007","Precise assertion":"FCRA expressly preempts state requirements or prohibitions concerning national security-freeze subject matter.","Source and pinpoint":"S004, §1681t(b)(1)(J).","Predicates, exceptions, relationship, consequence, confidence":"High. Exact nonoverlapping Nebraska survival remains unresolved."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_limit":"Selected state freeze bodies and federal i/j/t read; remaining state provisions and controlling residual application not resolved."},{"claim_id":"S_NE-P10-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C008","Precise assertion":"A freeze does not bar existing creditors, affiliates, agents, assignees, or collectors from account review or collection access.","Source and pinpoint":"S004, §1681c-1(i)(4)(A).","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_limit":"Selected state freeze bodies and federal i/j/t read; remaining state provisions and controlling residual application not resolved."},{"claim_id":"S_NE-P10-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C009","Precise assertion":"Nebraska AG has statutory freeze-act enforcement and civil-penalty authority.","Source and pinpoint":"S002, §8-2615.","Predicates, exceptions, relationship, consequence, confidence":"High as state text; applicability to federally preempted overlap held."},"coordinator_verification_status":"researcher_attribution_or_uncompleted_scope_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_limit":"Selected state freeze bodies and federal i/j/t read; remaining state provisions and controlling residual application not resolved."},{"claim_id":"S_NE-P10-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C010","Precise assertion":"Nebraska installment-loan licensee may not communicate or threaten to communicate credit information known to be false while collecting a covered loan.","Source and pinpoint":"S003, §45-372(7)(i).","Predicates, exceptions, relationship, consequence, confidence":"High; narrow sector scope."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C011","Precise assertion":"No general Nebraska furnisher accuracy/direct-dispute counterpart was verified in the state authorities and bounded searches.","Source and pinpoint":"S001–S003, S014.","Predicates, exceptions, relationship, consequence, confidence":"Bounded negative finding, not proof of absence."},"coordinator_verification_status":"researcher_attribution_or_uncompleted_scope_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C012","Precise assertion":"CRA must use reasonable procedures to assure maximum possible accuracy whenever preparing a report.","Source and pinpoint":"S004, §1681e(b).","Predicates, exceptions, relationship, consequence, confidence":"High. Reasonableness is fact-specific."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C013","Precise assertion":"CRA file disclosure includes file information, sources, and specified report recipients.","Source and pinpoint":"S004, §1681g(a).","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C014","Precise assertion":"CRA ordinarily must conduct free reasonable reinvestigation within 30 days after receiving dispute.","Source and pinpoint":"S004, §1681i(a)(1)(A).","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C015","Precise assertion":"CRA may extend up to 15 days for qualifying additional consumer information, except after finding item inaccurate, incomplete, or unverifiable.","Source and pinpoint":"S004, §1681i(a)(1)(B)–(C).","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C016","Precise assertion":"Dispute after federal annual report can use special 45-day reinvestigation period.","Source and pinpoint":"S004, §1681j(a)(3).","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C017","Precise assertion":"CRA must notify furnisher and transmit all relevant dispute information within five business days.","Source and pinpoint":"S004, §1681i(a)(2).","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"bounded_correction_pending_UNSENT","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_pending_findings":["S_NE-P10-Q004"]},{"claim_id":"S_NE-P10-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C018","Precise assertion":"CRA may terminate frivolous/irrelevant dispute but must notify consumer within five business days and identify reasons/information needed.","Source and pinpoint":"S004, §1681i(a)(3).","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C019","Precise assertion":"CRA must delete or modify inaccurate, incomplete, or unverifiable information.","Source and pinpoint":"S004, §1681i(a)(5)(A).","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C020","Precise assertion":"Reinsertion requires furnisher certification and consumer notice within five business days.","Source and pinpoint":"S004, §1681i(a)(5)(B).","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C021","Precise assertion":"CRA must provide reinvestigation results and revised report within five business days after completion.","Source and pinpoint":"S004, §1681i(a)(6).","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"bounded_correction_pending_UNSENT","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_pending_findings":["S_NE-P10-Q004"]},{"claim_id":"S_NE-P10-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C022","Precise assertion":"CRA must provide procedure description within 15 days after consumer request.","Source and pinpoint":"S004, §1681i(a)(7).","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"bounded_correction_pending_UNSENT","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_pending_findings":["S_NE-P10-Q004"]},{"claim_id":"S_NE-P10-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C023","Precise assertion":"Consumer can add a dispute statement and request notification to defined recent report recipients.","Source and pinpoint":"S004, §1681i(b)–(d).","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"bounded_correction_pending_UNSENT","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_pending_findings":["S_NE-P10-Q002"]},{"claim_id":"S_NE-P10-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C024","Precise assertion":"Reseller has separate five-business-day classification and 20-day own-error correction duties.","Source and pinpoint":"S004, §1681i(f).","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C025","Precise assertion":"Furnisher may not report information known or reasonably believed inaccurate.","Source and pinpoint":"S005, §1681s-2(a)(1).","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"bounded_correction_pending_UNSENT","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_pending_findings":["S_NE-P10-Q001"]},{"claim_id":"S_NE-P10-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C026","Precise assertion":"Regular furnisher determining prior information incomplete/inaccurate must correct and stop refurnishing uncorrected data.","Source and pinpoint":"S005, §1681s-2(a)(2).","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C027","Precise assertion":"Continued furnishing after direct consumer dispute must include notice that information is disputed.","Source and pinpoint":"S005, §1681s-2(a)(3).","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C028","Precise assertion":"CRA receiving disputed-status notice must indicate dispute in reports containing item.","Source and pinpoint":"S004, §1681c(f).","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C029","Precise assertion":"Furnisher must report voluntary consumer closure of credit account.","Source and pinpoint":"S005, §1681s-2(a)(4).","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C030","Precise assertion":"Furnisher of collection/charge-off information must report original delinquency month/year within 90 days.","Source and pinpoint":"S005, §1681s-2(a)(5).","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C031","Precise assertion":"Later furnisher must preserve or reasonably obtain original date of delinquency and may not re-age account through sale or transfer.","Source and pinpoint":"S005, §1681s-2(a)(5)(B); S006 Appendix E.","Predicates, exceptions, relationship, consequence, confidence":"High as statutory/guideline synthesis."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C032","Precise assertion":"Financial institution’s first negative furnishing requires written notice before or within 30 days.","Source and pinpoint":"S005, §1681s-2(a)(7).","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C033","Precise assertion":"Direct-dispute duty covers liability, terms, balance, payment status, dates, and related account information.","Source and pinpoint":"S006, §1022.43(a).","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C034","Precise assertion":"Direct dispute must be sent to proper address and include account identity, exact issue, basis, and support.","Source and pinpoint":"S006, §1022.43(c)–(d).","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C035","Precise assertion":"Regulation V excludes listed categories and qualifying CRO-prepared disputes from direct-dispute duty.","Source and pinpoint":"S006, §1022.43(b).","Predicates, exceptions, relationship, consequence, confidence":"High; reasonable classification required."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C036","Precise assertion":"Furnisher receiving compliant direct dispute must investigate, review information, respond by applicable period, and correct every affected CRA if inaccurate.","Source and pinpoint":"S006, §1022.43(e).","Predicates, exceptions, relationship, consequence, confidence":"High. No collection pause."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C037","Precise assertion":"Furnisher may deem insufficient/repetitive/excluded direct dispute frivolous but must notify consumer within five business days and identify missing information.","Source and pinpoint":"S006, §1022.43(f).","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C038","Precise assertion":"CRA notice triggers §1681s-2(b) investigation, relevant-information review, result reporting, and correction/deletion/blocking duties.","Source and pinpoint":"S005, §1681s-2(b).","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C039","Precise assertion":"Furnisher policies must be reasonable, written, appropriately scoped, periodically reviewed, and informed by Appendix E.","Source and pinpoint":"S006, §1022.42.","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C040","Precise assertion":"Appendix E identifies re-aging, duplicate reporting, transfer, service-provider, correction, and wrong-consumer controls.","Source and pinpoint":"S006, Appendix E.","Predicates, exceptions, relationship, consequence, confidence":"High as guideline content; not every item a freestanding private duty."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_limit":"Appendix E is appropriately considered/implemented policy guidance, not an automatic consumer whole-file production right."},{"claim_id":"S_NE-P10-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C041","Precise assertion":"Ordinary FCRA private liability does not attach to §1681s-2(a) or direct-dispute regulations; public enforcement applies.","Source and pinpoint":"S005, §1681s-2(c)–(d).","Predicates, exceptions, relationship, consequence, confidence":"High. Full remedies excluded."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C042","Precise assertion":"§1681s-2(b) is the Eighth Circuit’s privately actionable furnisher-dispute branch.","Source and pinpoint":"S008, Johnson.","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"researcher_attribution_or_uncompleted_scope_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C043","Precise assertion":"CRA dispute and direct furnisher dispute do not create FDCPA collection pause.","Source and pinpoint":"S004–S007.","Predicates, exceptions, relationship, consequence, confidence":"High distinction."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C044","Precise assertion":"Timely written FDCPA validation dispute pauses collection for covered debt collector.","Source and pinpoint":"S007, §1692g(b).","Predicates, exceptions, relationship, consequence, confidence":"High; separate actor/debt predicates."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C045","Precise assertion":"Ordinary collection/charge-off information generally ages out under seven-year-plus-180-day formula from original preceding delinquency.","Source and pinpoint":"S004, §1681c(a)(4), (c).","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C046","Precise assertion":"Sale, assignment, payment, or settlement does not reset original reporting clock.","Source and pinpoint":"S004 §1681c(c); S005 §1681s-2(a)(5); S006 Appendix E.","Predicates, exceptions, relationship, consequence, confidence":"High supported inference."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C047","Precise assertion":"High-value credit, life-insurance, and employment uses have specified ordinary-obsolescence exceptions.","Source and pinpoint":"S004, §1681c(b).","Predicates, exceptions, relationship, consequence, confidence":"High; narrow report-use exceptions."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C048","Precise assertion":"Payment or settlement does not establish automatic deletion right for accurately reported ordinary debt.","Source and pinpoint":"S004–S006.","Predicates, exceptions, relationship, consequence, confidence":"High bounded conclusion; contract or voluntary bureau policy may differ."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C049","Precise assertion":"Paid or settled account must nevertheless report current balance and status accurately.","Source and pinpoint":"S005 §§1681s-2(a)(1)–(2); S006 §1022.42.","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C050","Precise assertion":"Dual creditor/buyer tradelines are not automatically prohibited, but duplication, re-aging, wrong balance, or wrong consumer can violate accuracy/integrity duties.","Source and pinpoint":"S005–S006.","Predicates, exceptions, relationship, consequence, confidence":"Supported inference; actual tradelines required."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C051","Precise assertion":"Johnson ties investigation scope to dispute information the CRA actually transmitted.","Source and pinpoint":"S008, slip pp. 4–5/PDF indices 3–4.","Predicates, exceptions, relationship, consequence, confidence":"High controlling Eighth Circuit rule."},"coordinator_verification_status":"researcher_attribution_or_uncompleted_scope_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_limit":"No fresh opinion, settlement, citator, actual notice or negative judicial search. Original bounded claims remain attributed."},{"claim_id":"S_NE-P10-C052","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C052","Precise assertion":"Johnson approved account-history review on conclusory dispute facts, not universally.","Source and pinpoint":"S008.","Predicates, exceptions, relationship, consequence, confidence":"High, fact-limited."},"coordinator_verification_status":"researcher_attribution_or_uncompleted_scope_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_limit":"No fresh opinion, settlement, citator, actual notice or negative judicial search. Original bounded claims remain attributed."},{"claim_id":"S_NE-P10-C053","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C053","Precise assertion":"Anderson holds §1681s-2(b) private duties are triggered by CRA notice, not direct consumer notice.","Source and pinpoint":"S009, slip p.3/PDF index 2.","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"researcher_attribution_or_uncompleted_scope_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_limit":"No fresh opinion, settlement, citator, actual notice or negative judicial search. Original bounded claims remain attributed."},{"claim_id":"S_NE-P10-C054","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C054","Precise assertion":"Lloyd confirms CRA reasonable-reinvestigation duties and fact-specific reasonableness of reliance on furnisher.","Source and pinpoint":"S010, slip pp.4–8/PDF indices 3–7.","Predicates, exceptions, relationship, consequence, confidence":"High."},"coordinator_verification_status":"researcher_attribution_or_uncompleted_scope_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_limit":"No fresh opinion, settlement, citator, actual notice or negative judicial search. Original bounded claims remain attributed."},{"claim_id":"S_NE-P10-C055","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C055","Precise assertion":"No controlling Nebraska appellate general ordinary-debt furnishing/dispute case was located.","Source and pinpoint":"S014.","Predicates, exceptions, relationship, consequence, confidence":"Limited negative search only."},"coordinator_verification_status":"researcher_attribution_or_uncompleted_scope_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_limit":"No fresh opinion, settlement, citator, actual notice or negative judicial search. Original bounded claims remain attributed."},{"claim_id":"S_NE-P10-C056","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C056","Precise assertion":"Current CFPB preemption interpretation is broad but nonbinding and does not itself invalidate a particular Nebraska law.","Source and pinpoint":"S011.","Predicates, exceptions, relationship, consequence, confidence":"High for document status."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C057","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C057","Precise assertion":"2025 CFPB medical-debt rule is vacated and not operative.","Source and pinpoint":"S012.","Predicates, exceptions, relationship, consequence, confidence":"High; medical dossier excluded."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C058","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C058","Precise assertion":"2015 Nebraska multistate CRA settlement is party-specific and not a merits holding or universal statute.","Source and pinpoint":"S013.","Predicates, exceptions, relationship, consequence, confidence":"High for release; underlying assurance not read."},"coordinator_verification_status":"researcher_attribution_or_uncompleted_scope_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_limit":"No fresh opinion, settlement, citator, actual notice or negative judicial search. Original bounded claims remain attributed."},{"claim_id":"S_NE-P10-C059","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C059","Precise assertion":"A security freeze does not correct, delete, validate, or stop collection on an existing tradeline.","Source and pinpoint":"S002, S004.","Predicates, exceptions, relationship, consequence, confidence":"High distinction."},"coordinator_verification_status":"selected_primary_scope_and_application_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"},{"claim_id":"S_NE-P10-C060","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_NE-P10-C060","Precise assertion":"Numeric agreement in a reporting example does not prove debt validity, fee authorization, deletion right, or score improvement.","Source and pinpoint":"Scope and accuracy principles.","Predicates, exceptions, relationship, consequence, confidence":"High methodological limit."},"coordinator_verification_status":"researcher_attribution_or_uncompleted_scope_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00"}],"sources":[{"source_id":"S_NE-P10-S001","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=20-149","https://nebraskalegislature.gov/laws/statutes.php?statute=20-149&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P10-S001","Title, issuer, direct literal URL, and exact pinpoint":"Neb. Rev. Stat. §20-149 — Consumer reporting agency; furnish information; duty; violation; penalty, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=20-149; operative text lines/clauses concerning CRA doing business in Nebraska, request, copy, code key, January 1, 2016 federal incorporation, and misdemeanor.","Version/status and access":"Current official codification freshly read October 26, 2026 Pacific/UTC. Enacted 1983; amended 2016.","Scope and limits":"Nebraska file-access duty only. No response deadline or civil remedy stated. (nebraskalegislature.gov)"},"coordinator_verification_status":"selected_fresh_primary_scope_with_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_fresh_read_scope":[{"source_id":"S_NE-P10-S001","URL":"https://nebraskalegislature.gov/laws/statutes.php?statute=20-149","packets":["packet-01"],"read_lines":[18,20],"scope":"Complete operative state file-copy/code-key body; fixed January 1, 2016 incorporation is not authenticated by current federal text alone."}],"coordinator_dated_reuse_scope":[]},{"source_id":"S_NE-P10-S002","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=8-2601","https://nebraskalegislature.gov/laws/statutes.php?statute=8-2605&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P10-S002","Title, issuer, direct literal URL, and exact pinpoint":"Nebraska Credit Report Protection Act, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=8-2601; ...=8-2602; ...=8-2604; ...=8-2605; ...=8-2606; ...=8-2609; ...=8-2613; ...=8-2615. Exact subjects: definitions, release bar, placement, confirmation, temporary lift, fees, exceptions, AG enforcement.","Version/status and access":"Current official state text freshly read October 26, 2026. Principal enactment 2007; amendments include 2016.","Scope and limits":"Overlapping national-freeze requirements are subject to express federal preemption. Exact surviving nonoverlapping state scope unresolved. (nebraskalegislature.gov)"},"coordinator_verification_status":"selected_fresh_primary_scope_with_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_fresh_read_scope":[{"source_id":"S_NE-P10-S002","URL":"https://nebraskalegislature.gov/laws/statutes.php?statute=8-2605","packets":["packet-04"],"read_lines":[19,22],"scope":"Complete placement/confirmation body. State confirmation is measured from request; federal confirmation from placement. Residual state-law survival held."},{"source_id":"S_NE-P10-S002","URL":"https://nebraskalegislature.gov/laws/statutes.php?statute=8-2609","packets":["packet-04"],"read_lines":[18,19],"scope":"Complete fee body, including substantially-similar-product qualification and repeat PIN ceiling. Actual residual scope held."}],"coordinator_dated_reuse_scope":[],"coordinator_pending_findings":["S_NE-P10-Q003"]},{"source_id":"S_NE-P10-S003","urls":["https://nebraskalegislature.gov/laws/statutes.php?statute=45-372","https://nebraskalegislature.gov/laws/statutes.php?statute=45-372&utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P10-S003","Title, issuer, direct literal URL, and exact pinpoint":"Neb. Rev. Stat. §45-372, Nebraska Legislature. https://nebraskalegislature.gov/laws/statutes.php?statute=45-372; subsection (7)(i), communication or threat to communicate credit information known to be false.","Version/status and access":"Current official codification freshly read October 26, 2026.","Scope and limits":"Narrow installment-loan-licensee conduct rule, not general state furnishing code. (nebraskalegislature.gov)"},"coordinator_verification_status":"explicit_dated_primary_reuse_with_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_fresh_read_scope":[],"coordinator_dated_reuse_scope":[{"source_id":"S_NE-P10-S003","URL":"https://nebraskalegislature.gov/laws/statutes.php?statute=45-372","evidence":"[internal evidence reference]","body_lines":[18,58],"material_lines":[28,45],"classification":"Explicit prior NE8 coordinator source reuse during this parallel session; not a fresh NE10 fetch.","original_packet_sha256":"a5ebee403d68a0335c18d408ec3e6085c1e20beda837339efd693754380a66a7","unmodified_local_copy":"[internal evidence reference]"}]},{"source_id":"S_NE-P10-S004","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1681c/","https://uscode.house.gov/us/usc/119-124/t15/s1681i/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P10-S004","Title, issuer, direct literal URL, and exact pinpoint":"15 U.S.C. §§1681c, 1681c-1, 1681e, 1681g, 1681h, 1681i, 1681j, and 1681t, Office of Law Revision Counsel. https://uscode.house.gov/us/usc/119-124/t15/s1681c/; .../s1681c-1/; .../s1681e/; .../s1681g/; .../s1681h/; .../s1681i/; .../s1681j/; .../s1681t/.","Version/status and access":"U.S. Code in effect through Public Law 119-124, October 15, 2026; freshly read October 26.","Scope and limits":"CRA accuracy, access, dispute, reporting-age, freeze, and preemption provisions. Medical, bankruptcy, and specialty-report branches not fully analyzed. (uscode.house.gov)"},"coordinator_verification_status":"selected_fresh_primary_scope_with_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_fresh_read_scope":[{"source_id":"S_NE-P10-S004","URL":"https://uscode.house.gov/us/usc/119-124/t15/s1681c/","packets":["packet-03","packet-06"],"read_lines":[21,100],"scope":"Complete returned operative body. Material collection age, 180-day anchor, high-value exclusions, closure/dispute indicators; sector-specific medical analysis excluded."},{"source_id":"S_NE-P10-S004","URL":"https://uscode.house.gov/us/usc/119-124/t15/s1681c-1/","packets":["packet-04","packet-05","packet-07"],"read_lines":[[96,203],[205,286]],"scope":"Complete national-freeze subsection i and returned protected-consumer subsection j; actual edition header read in packet 07. No full identity-theft dossier."},{"source_id":"S_NE-P10-S004","URL":"https://uscode.house.gov/us/usc/119-124/t15/s1681e/","packets":["packet-06"],"read_lines":[21,69],"scope":"Complete returned operative body; materially subsection b accuracy standard, no actual report evaluated."},{"source_id":"S_NE-P10-S004","URL":"https://uscode.house.gov/us/usc/119-124/t15/s1681g/","packets":["packet-06"],"read_lines":[21,76],"scope":"Selected file-disclosure subsection a, b and beginning of c; not all identity-theft, score or specialty branches."},{"source_id":"S_NE-P10-S004","URL":"https://uscode.house.gov/us/usc/119-124/t15/s1681h/","packets":["packet-08"],"read_lines":[21,62],"scope":"Complete returned operative body; identification, authorized forms and source-specific tort limitation. Historical incorporated 2016 version not reopened."},{"source_id":"S_NE-P10-S004","URL":"https://uscode.house.gov/us/usc/119-124/t15/s1681i/","packets":["packet-01","packet-02","packet-03"],"read_lines":[21,187],"scope":"Complete returned operative body a through g. Material ordinary deadlines, expedited exception, statements, recent recipients and reseller branch; medical g not analyzed as a dossier."},{"source_id":"S_NE-P10-S004","URL":"https://uscode.house.gov/us/usc/119-124/t15/s1681j/","packets":["packet-02","packet-03"],"read_lines":[21,108],"scope":"Complete returned operative a through g. Annual free request, 15-day delivery, 45-day branch and indexed nonfree charge authority; exact 2026 indexed amount held."},{"source_id":"S_NE-P10-S004","URL":"https://uscode.house.gov/us/usc/119-124/t15/s1681t/","packets":["packet-04","packet-05"],"read_lines":[21,94],"scope":"Complete returned operative preemption text. No fresh controlling judicial application or global state-law invalidation."}],"coordinator_dated_reuse_scope":[],"coordinator_pending_findings":["S_NE-P10-Q003","S_NE-P10-Q002","S_NE-P10-Q004"]},{"source_id":"S_NE-P10-S005","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1681s-2/","https://uscode.house.gov/us/usc/119-124/t15/s1681s-2/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P10-S005","Title, issuer, direct literal URL, and exact pinpoint":"15 U.S.C. §1681s-2 — Responsibilities of furnishers, Office of Law Revision Counsel. https://uscode.house.gov/us/usc/119-124/t15/s1681s-2/; subsections (a)(1)–(8), (b), (c), (d), and (e).","Version/status and access":"U.S. Code through Public Law 119-124, October 15, 2026; freshly read October 26.","Scope and limits":"General accuracy, correction, disputed status, delinquency date, negative-information notice, direct and CRA-routed dispute duties, and enforcement boundary. (uscode.house.gov)"},"coordinator_verification_status":"selected_fresh_primary_scope_with_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_fresh_read_scope":[{"source_id":"S_NE-P10-S005","URL":"https://uscode.house.gov/us/usc/119-124/t15/s1681s-2/","packets":["packet-01","packet-02","packet-03","packet-05"],"read_lines":[21,305],"scope":"Complete returned operative a through e, including adjacent qualifications. Sector-specific a1E/F and medical/identity provisions read in context but not separately applied."}],"coordinator_dated_reuse_scope":[],"coordinator_pending_findings":["S_NE-P10-Q001"]},{"source_id":"S_NE-P10-S006","urls":["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_NE-P10-S006","Title, issuer, direct literal URL, and exact pinpoint":"Regulation V, 12 C.F.R. §§1022.42 and 1022.43; Appendix E, CFPB/OFR. 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.","Version/status and access":"eCFR displayed Title 12 current through October 22, 2026 and last amended October 2, 2026; freshly read October 26.","Scope and limits":"Direct disputes, policies, and accuracy/integrity guidelines. Appendix E is guideline material incorporated as appropriate under §1022.42. (ecfr.gov)"},"coordinator_verification_status":"selected_fresh_primary_scope_with_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_fresh_read_scope":[{"source_id":"S_NE-P10-S006","URL":"https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.42","packets":["packet-05"],"read_lines":[103,106],"scope":"Complete operative written-policy body; guidelines considered and suitable guidelines incorporated, periodic review."},{"source_id":"S_NE-P10-S006","URL":"https://www.ecfr.gov/current/title-12/chapter-X/part-1022/subpart-E/section-1022.43","packets":["packet-01","packet-02"],"read_lines":[103,151],"scope":"Complete operative direct-dispute body, excluded subjects, designated address, content, results and reasonable frivolous/repeat determination."},{"source_id":"S_NE-P10-S006","URL":"https://www.ecfr.gov/current/title-12/chapter-X/part-1022/appendix-Appendix%20E%20to%20Part%201022","packets":["packet-06","packet-07"],"read_lines":[102,174],"scope":"Complete returned introduction and guidelines I through III. Appropriate implementation, not an automatic individual account-production obligation."}],"coordinator_dated_reuse_scope":[]},{"source_id":"S_NE-P10-S007","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1692g/","https://uscode.house.gov/us/usc/119-124/t15/s1692g/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P10-S007","Title, issuer, direct literal URL, and exact pinpoint":"15 U.S.C. §1692g — Validation of debts, Office of Law Revision Counsel. https://uscode.house.gov/us/usc/119-124/t15/s1692g/; subsections (a)–(d).","Version/status and access":"U.S. Code through Public Law 119-124, October 15, 2026; freshly read October 26.","Scope and limits":"Used only to distinguish collection validation and its pause from credit-report disputes. No full FDCPA report. (uscode.house.gov)"},"coordinator_verification_status":"explicit_dated_primary_reuse_with_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_fresh_read_scope":[],"coordinator_dated_reuse_scope":[{"source_id":"S_NE-P10-S007","URL":"https://uscode.house.gov/us/usc/119-124/t15/s1692g/","evidence":"[internal evidence reference]","body_lines":[22,46],"classification":"Explicit prior NE9 coordinator source reuse; original 119-124 / October 15 header retained, not a fresh NE10 fetch.","original_packet_sha256":"ff4a06fbbf51801d235e31df2e4a3551692f366aaf25f55791224a73d47ab826","unmodified_local_copy":"[internal evidence reference]"}]},{"source_id":"S_NE-P10-S008","urls":["https://ecf.ca8.uscourts.gov/opndir/26/02/242787P.pdf","https://ecf.ca8.uscourts.gov/opndir/26/02/242787P.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P10-S008","Title, issuer, direct literal URL, and exact pinpoint":"Johnson v. Freedom Mortgage Corp., No. 24-2787, U.S. Court of Appeals for the Eighth Circuit. https://ecf.ca8.uscourts.gov/opndir/26/02/242787P.pdf; printed slip pp. 4–5, zero-based PDF indices 3–4, §1681s-2(a)/(b), CRA-notice scope, and reasonableness discussion.","Version/status and access":"Published opinion filed February 2, 2026; fresh text and page-image review October 26, 2026.","Scope and limits":"Controlling Eighth Circuit furnisher investigation authority; mortgage facts, but ordinary §1681s-2 principles. (ecf.ca8.uscourts.gov)"},"coordinator_verification_status":"researcher_provenance_retained_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_fresh_read_scope":[],"coordinator_dated_reuse_scope":[],"coordinator_limit":"No fresh judicial/settlement/private-record investigation or exhaustive negative search; original source claim and source-access/currentness/history/PDF-pixel limits retained."},{"source_id":"S_NE-P10-S009","urls":["https://ecf.ca8.uscourts.gov/opndir/11/02/093906P.pdf","https://ecf.ca8.uscourts.gov/opndir/11/02/093906P.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P10-S009","Title, issuer, direct literal URL, and exact pinpoint":"Anderson v. EMC Mortgage Corp., 631 F.3d 905 (8th Cir. 2011). https://ecf.ca8.uscourts.gov/opndir/11/02/093906P.pdf; printed/slip pp. 3 and 5, zero-based PDF indices 2 and 4.","Version/status and access":"Final published Eighth Circuit opinion; fresh text and page-image review October 26, 2026.","Scope and limits":"CRA notice trigger and accurate-reporting result; does not eliminate direct-dispute regulation. (ecf.ca8.uscourts.gov)"},"coordinator_verification_status":"researcher_provenance_retained_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_fresh_read_scope":[],"coordinator_dated_reuse_scope":[],"coordinator_limit":"No fresh judicial/settlement/private-record investigation or exhaustive negative search; original source claim and source-access/currentness/history/PDF-pixel limits retained."},{"source_id":"S_NE-P10-S010","urls":["https://ecf.ca8.uscourts.gov/opndir/24/06/222840P.pdf","https://ecf.ca8.uscourts.gov/opndir/24/06/222840P.pdf?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P10-S010","Title, issuer, direct literal URL, and exact pinpoint":"Lloyd v. FedLoan Servicing, No. 22-2840, U.S. Court of Appeals for the Eighth Circuit. https://ecf.ca8.uscourts.gov/opndir/24/06/222840P.pdf; slip pp. 4–8, zero-based indices 3–7.","Version/status and access":"Published opinion filed June 21, 2024; fresh text and page-image review October 26, 2026.","Scope and limits":"CRA and furnisher reasonableness on record presented; federal student-loan facts but ordinary FCRA investigation principles. (ecf.ca8.uscourts.gov)"},"coordinator_verification_status":"researcher_provenance_retained_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_fresh_read_scope":[],"coordinator_dated_reuse_scope":[],"coordinator_limit":"No fresh judicial/settlement/private-record investigation or exhaustive negative search; original source claim and source-access/currentness/history/PDF-pixel limits retained."},{"source_id":"S_NE-P10-S011","urls":["https://www.federalregister.gov/documents/2025/10/28/2025-19671/fair-credit-reporting-act-preemption-of-state-laws","https://www.federalregister.gov/documents/2025/10/28/2025-19671/fair-credit-reporting-act-preemption-of-state-laws?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P10-S011","Title, issuer, direct literal URL, and exact pinpoint":"Fair Credit Reporting Act; Preemption of State Laws, CFPB, 90 Fed. Reg. 48710. https://www.federalregister.gov/documents/2025/10/28/2025-19671/fair-credit-reporting-act-preemption-of-state-laws; action, summary, dates, and nonbinding-preemption discussion.","Version/status and access":"Interpretive rule published and applicable October 28, 2025; freshly read October 26, 2026.","Scope and limits":"Current nonbinding CFPB interpretation; courts decide actual preemption. Replaces/withdraws 2022 interpretation. (federalregister.gov)"},"coordinator_verification_status":"selected_fresh_primary_scope_with_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_fresh_read_scope":[{"source_id":"S_NE-P10-S011","URL":"https://www.federalregister.gov/documents/2025/10/28/2025-19671/fair-credit-reporting-act-preemption-of-state-laws","packets":["packet-07","packet-08"],"read_lines":[[97,141],[216,223]],"scope":"Selected action/date/summary and explicit nonbinding legal status; intervening merits discussion and official PDF/pixels not fully read. Cited underlying cases are not fresh case reads."}],"coordinator_dated_reuse_scope":[]},{"source_id":"S_NE-P10-S012","urls":["https://www.consumerfinance.gov/rules-policy/final-rules/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v/","https://www.consumerfinance.gov/rules-policy/final-rules/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v/?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P10-S012","Title, issuer, direct literal URL, and exact pinpoint":"Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information, CFPB. https://www.consumerfinance.gov/rules-policy/final-rules/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v/; current status lines identifying July 11, 2025 vacatur.","Version/status and access":"Official page last modified February 24, 2026; freshly read October 26, 2026.","Scope and limits":"Vacated medical-debt rule, included solely to prevent use as current authority. Medical dossier excluded. (consumerfinance.gov)"},"coordinator_verification_status":"selected_fresh_primary_scope_with_holds","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_fresh_read_scope":[{"source_id":"S_NE-P10-S012","URL":"https://www.consumerfinance.gov/rules-policy/final-rules/prohibition-on-creditors-and-consumer-reporting-agencies-concerning-medical-information-regulation-v/","packets":["packet-07"],"read_lines":[20,29],"scope":"Complete displayed agency vacatur/reference-only notice; underlying case, order, judgment and later history not reopened."}],"coordinator_dated_reuse_scope":[]},{"source_id":"S_NE-P10-S013","urls":["https://ago.nebraska.gov/news/ag-announces-6-million-settlement-credit-reporting-agencies","https://ago.nebraska.gov/news/ag-announces-6-million-settlement-credit-reporting-agencies?utm_source=chatgpt.com"],"researcher_record":{"Source ID":"S_NE-P10-S013","Title, issuer, direct literal URL, and exact pinpoint":"AG Announces $6 Million Settlement with Credit Reporting Agencies, Nebraska Attorney General. https://ago.nebraska.gov/news/ag-announces-6-million-settlement-credit-reporting-agencies; May 20, 2015 release.","Version/status and access":"Historical official press release freshly read October 26, 2026.","Scope and limits":"Party-specific settlement description. Underlying Assurance of Voluntary Compliance not read; not merits precedent or universal rule. (ago.nebraska.gov)"},"coordinator_verification_status":"researcher_provenance_retained_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_fresh_read_scope":[],"coordinator_dated_reuse_scope":[],"coordinator_limit":"No fresh judicial/settlement/private-record investigation or exhaustive negative search; original source claim and source-access/currentness/history/PDF-pixel limits retained."},{"source_id":"S_NE-P10-S014","urls":[],"researcher_record":{"Source ID":"S_NE-P10-S014","Title, issuer, direct literal URL, and exact pinpoint":"Bounded Nebraska and federal searches for ordinary-debt furnishing, CRA disputes, paid/settled deletion, delinquency dates, reinsertion, preemption, and Nebraska appellate authorities, across Nebraska Legislature, Nebraska appellate repository, Nebraska AG, CFPB, Eighth Circuit, Supreme Court, eCFR, and U.S. Code.","Version/status and access":"Search-only work October 26, 2026.","Scope and limits":"No controlling Nebraska appellate general-furnishing or dispute case located. Not an exhaustive paid citator, trial docket, administrative archive, or records request."},"coordinator_verification_status":"researcher_provenance_retained_unreopened_held","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-29T02:54:58.100758+00:00","coordinator_fresh_read_scope":[],"coordinator_dated_reuse_scope":[],"coordinator_limit":"No fresh judicial/settlement/private-record investigation or exhaustive negative search; original source claim and source-access/currentness/history/PDF-pixel limits retained."}],"coverage":[{"topic":"Nebraska general furnisher accuracy statute","researcher_record":{"Assigned issue":"Nebraska general furnisher accuracy statute","Status":"No general counterpart verified","Claim IDs":"C010–C011","Missing evidence or next action":"Full administrative archive, nonindexed rules, or controlling state case"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Original gap, exclusion, unreviewed judicial construction/history, application or full parent dimension remains open; this review grants no acceptance."},{"topic":"Nebraska file access","researcher_record":{"Assigned issue":"Nebraska file access","Status":"Answered","Claim IDs":"C001–C004","Missing evidence or next action":"Exact electronic-equivalence ruling and current indexed charge if nonfree"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Nebraska CRA code key","researcher_record":{"Assigned issue":"Nebraska CRA code key","Status":"Answered","Claim IDs":"C001","Missing evidence or next action":"Actual coded report"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Nebraska direct dispute procedure","researcher_record":{"Assigned issue":"Nebraska direct dispute procedure","Status":"Not generally verified","Claim IDs":"C011","Missing evidence or next action":"Sector-specific statute or agency interpretation"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Original gap, exclusion, unreviewed judicial construction/history, application or full parent dimension remains open; this review grants no acceptance."},{"topic":"Nebraska correction/deletion timing","researcher_record":{"Assigned issue":"Nebraska correction/deletion timing","Status":"Not generally verified","Claim IDs":"C011","Missing evidence or next action":"Same"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Original gap, exclusion, unreviewed judicial construction/history, application or full parent dimension remains open; this review grants no acceptance."},{"topic":"Nebraska installment-loan false reporting","researcher_record":{"Assigned issue":"Nebraska installment-loan false reporting","Status":"Answered narrowly","Claim IDs":"C010","Missing evidence or next action":"Actor/loan/license facts"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Nebraska security freeze","researcher_record":{"Assigned issue":"Nebraska security freeze","Status":"Answered with preemption qualification","Claim IDs":"C005–C009","Missing evidence or next action":"Controlling case defining surviving nonoverlapping state provisions"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Nebraska fraud-alert law","researcher_record":{"Assigned issue":"Nebraska fraud-alert law","Status":"Excluded except freeze boundary","Claim IDs":"—","Missing evidence or next action":"Separate identity-theft dossier"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Nebraska consumer-report private remedy","researcher_record":{"Assigned issue":"Nebraska consumer-report private remedy","Status":"Excluded except state statutory enforcement description","Claim IDs":"—","Missing evidence or next action":"Full remedies and limitations pass"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Original gap, exclusion, unreviewed judicial construction/history, application or full parent dimension remains open; this review grants no acceptance."},{"topic":"CRA file disclosure","researcher_record":{"Assigned issue":"CRA file disclosure","Status":"Answered","Claim IDs":"C003, C013","Missing evidence or next action":"Actual request/identification and report"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"CRA maximum-accuracy duty","researcher_record":{"Assigned issue":"CRA maximum-accuracy duty","Status":"Answered","Claim IDs":"C012","Missing evidence or next action":"Report-specific reasonableness evidence"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"CRA reinvestigation trigger","researcher_record":{"Assigned issue":"CRA reinvestigation trigger","Status":"Answered","Claim IDs":"C014","Missing evidence or next action":"Actual CRA receipt and dispute contents"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"CRA 30-day period","researcher_record":{"Assigned issue":"CRA 30-day period","Status":"Answered","Claim IDs":"C014–C016","Missing evidence or next action":"Exact receipt date and later submissions"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"CRA 15-day extension","researcher_record":{"Assigned issue":"CRA 15-day extension","Status":"Answered","Claim IDs":"C015","Missing evidence or next action":"Timing and relevance of added information"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Annual-report 45-day branch","researcher_record":{"Assigned issue":"Annual-report 45-day branch","Status":"Answered","Claim IDs":"C016","Missing evidence or next action":"Proof dispute followed annual report"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"CRA furnisher notice","researcher_record":{"Assigned issue":"CRA furnisher notice","Status":"Answered","Claim IDs":"C017","Missing evidence or next action":"ACDV or actual transmission content"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false,"coordinator_pending_findings":["S_NE-P10-Q004"]},{"topic":"CRA frivolous dispute","researcher_record":{"Assigned issue":"CRA frivolous dispute","Status":"Answered","Claim IDs":"C018","Missing evidence or next action":"Actual notice and missing information"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"CRA correction/deletion","researcher_record":{"Assigned issue":"CRA correction/deletion","Status":"Answered","Claim IDs":"C019","Missing evidence or next action":"Actual reinvestigation evidence"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Reinsertion","researcher_record":{"Assigned issue":"Reinsertion","Status":"Answered","Claim IDs":"C020","Missing evidence or next action":"Certification and notice evidence"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Results/procedure description","researcher_record":{"Assigned issue":"Results/procedure description","Status":"Answered","Claim IDs":"C021–C022","Missing evidence or next action":"Actual completion and requests"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false,"coordinator_pending_findings":["S_NE-P10-Q004"]},{"topic":"Consumer dispute statement","researcher_record":{"Assigned issue":"Consumer dispute statement","Status":"Answered","Claim IDs":"C023","Missing evidence or next action":"Actual word count and unresolved item"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false,"coordinator_pending_findings":["S_NE-P10-Q002"]},{"topic":"Prior-recipient notification","researcher_record":{"Assigned issue":"Prior-recipient notification","Status":"Answered","Claim IDs":"C023","Missing evidence or next action":"Identified recipients and request"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false,"coordinator_pending_findings":["S_NE-P10-Q002"]},{"topic":"Reseller dispute","researcher_record":{"Assigned issue":"Reseller dispute","Status":"Answered","Claim IDs":"C024","Missing evidence or next action":"Actual reseller role"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Furnisher initial accuracy","researcher_record":{"Assigned issue":"Furnisher initial accuracy","Status":"Answered","Claim IDs":"C025","Missing evidence or next action":"Actual furnished data and knowledge"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false,"coordinator_pending_findings":["S_NE-P10-Q001"]},{"topic":"Furnisher correction/update","researcher_record":{"Assigned issue":"Furnisher correction/update","Status":"Answered","Claim IDs":"C026","Missing evidence or next action":"Date furnisher determined error"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Disputed-status reporting","researcher_record":{"Assigned issue":"Disputed-status reporting","Status":"Answered","Claim IDs":"C027–C028","Missing evidence or next action":"Actual consumer dispute and subsequent furnishing"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Voluntary closure","researcher_record":{"Assigned issue":"Voluntary closure","Status":"Answered","Claim IDs":"C029","Missing evidence or next action":"Actual closure type"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Original date of delinquency","researcher_record":{"Assigned issue":"Original date of delinquency","Status":"Answered","Claim IDs":"C030–C031","Missing evidence or next action":"Actual payment history and creditor data"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Financial-institution negative notice","researcher_record":{"Assigned issue":"Financial-institution negative notice","Status":"Answered","Claim IDs":"C032","Missing evidence or next action":"Institution/customer/account predicates"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Direct furnisher dispute coverage","researcher_record":{"Assigned issue":"Direct furnisher dispute coverage","Status":"Answered","Claim IDs":"C033","Missing evidence or next action":"Exact information disputed"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Direct dispute address/content","researcher_record":{"Assigned issue":"Direct dispute address/content","Status":"Answered","Claim IDs":"C034","Missing evidence or next action":"Furnisher-designated address and submission"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Direct dispute exclusions","researcher_record":{"Assigned issue":"Direct dispute exclusions","Status":"Answered","Claim IDs":"C035","Missing evidence or next action":"Actual public-record/CRO/other-furnisher facts"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Direct dispute investigation","researcher_record":{"Assigned issue":"Direct dispute investigation","Status":"Answered","Claim IDs":"C036","Missing evidence or next action":"Actual files, response, and deadline"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Frivolous direct dispute","researcher_record":{"Assigned issue":"Frivolous direct dispute","Status":"Answered","Claim IDs":"C037","Missing evidence or next action":"Actual insufficiency or repetition"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"CRA-routed furnisher dispute","researcher_record":{"Assigned issue":"CRA-routed furnisher dispute","Status":"Answered","Claim IDs":"C038","Missing evidence or next action":"CRA notice and transmitted materials"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Furnisher policies/Appendix E","researcher_record":{"Assigned issue":"Furnisher policies/Appendix E","Status":"Answered","Claim IDs":"C039–C040","Missing evidence or next action":"Actual policies and servicing controls"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Private/public enforcement distinction","researcher_record":{"Assigned issue":"Private/public enforcement distinction","Status":"Answered narrowly","Claim IDs":"C041–C042","Missing evidence or next action":"Full damages, standing, causation, and limitations excluded"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Original gap, exclusion, unreviewed judicial construction/history, application or full parent dimension remains open; this review grants no acceptance."},{"topic":"CRA dispute versus FDCPA pause","researcher_record":{"Assigned issue":"CRA dispute versus FDCPA pause","Status":"Answered","Claim IDs":"C043–C044","Missing evidence or next action":"Actual collector and debt coverage"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Seven-year/180-day period","researcher_record":{"Assigned issue":"Seven-year/180-day period","Status":"Answered","Claim IDs":"C045","Missing evidence or next action":"Actual D0 and report-use context"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Sale/payment reset","researcher_record":{"Assigned issue":"Sale/payment reset","Status":"Answered as no reset","Claim IDs":"C046","Missing evidence or next action":"Actual reported delinquency dates"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"High-value exceptions","researcher_record":{"Assigned issue":"High-value exceptions","Status":"Answered","Claim IDs":"C047","Missing evidence or next action":"Actual report purpose and expected amount"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Paid account status","researcher_record":{"Assigned issue":"Paid account status","Status":"Answered generally","Claim IDs":"C048–C049","Missing evidence or next action":"Settlement terms and furnishing data"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Settled account deletion","researcher_record":{"Assigned issue":"Settled account deletion","Status":"No automatic statutory right verified","Claim IDs":"C048","Missing evidence or next action":"Actual contract or voluntary policy"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Pay-for-delete promise","researcher_record":{"Assigned issue":"Pay-for-delete promise","Status":"Contract/policy dependent; excluded","Claim IDs":"C048","Missing evidence or next action":"Written promise and enforceability"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Duplicate tradelines","researcher_record":{"Assigned issue":"Duplicate tradelines","Status":"Partial/fact-dependent","Claim IDs":"C050","Missing evidence or next action":"Full reports, ownership, balances, dates, and codes"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Original creditor/owner identification","researcher_record":{"Assigned issue":"Original creditor/owner identification","Status":"Partial","Claim IDs":"C013, C050","Missing evidence or next action":"Actual sources, tradeline fields, sale chain"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Successor furnisher corrections","researcher_record":{"Assigned issue":"Successor furnisher corrections","Status":"Answered generally through accuracy/policy duties","Claim IDs":"C026, C038–C040","Missing evidence or next action":"Actual transfer contract and CRA submissions"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false},{"topic":"Johnson investigation standard","researcher_record":{"Assigned issue":"Johnson investigation standard","Status":"Answered","Claim IDs":"C051–C052","Missing evidence or next action":"Actual CRA notice content"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Original gap, exclusion, unreviewed judicial construction/history, application or full parent dimension remains open; this review grants no acceptance."},{"topic":"Anderson trigger","researcher_record":{"Assigned issue":"Anderson trigger","Status":"Answered","Claim IDs":"C053","Missing evidence or next action":"Actual CRA notice"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Original gap, exclusion, unreviewed judicial construction/history, application or full parent dimension remains open; this review grants no acceptance."},{"topic":"Lloyd CRA reasonableness","researcher_record":{"Assigned issue":"Lloyd CRA reasonableness","Status":"Answered","Claim IDs":"C054","Missing evidence or next action":"Evidence CRA received and source reliability"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Original gap, exclusion, unreviewed judicial construction/history, application or full parent dimension remains open; this review grants no acceptance."},{"topic":"Nebraska appellate ordinary-debt cases","researcher_record":{"Assigned issue":"Nebraska appellate ordinary-debt cases","Status":"Not located","Claim IDs":"C055","Missing evidence or next action":"Full commercial citator, trial and archived agency research"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Original gap, exclusion, unreviewed judicial construction/history, application or full parent dimension remains open; this review grants no acceptance."},{"topic":"FCRA state-law preemption","researcher_record":{"Assigned issue":"FCRA state-law preemption","Status":"Answered textually; application partial","Claim IDs":"C007, C056","Missing evidence or next action":"Claim-by-claim state-law analysis and controlling case"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Original gap, exclusion, unreviewed judicial construction/history, application or full parent dimension remains open; this review grants no acceptance."},{"topic":"2025 preemption rule","researcher_record":{"Assigned issue":"2025 preemption rule","Status":"Answered as nonbinding interpretation","Claim IDs":"C056","Missing evidence or next action":"Judicial application"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Original gap, exclusion, unreviewed judicial construction/history, application or full parent dimension remains open; this review grants no acceptance."},{"topic":"Medical debt","researcher_record":{"Assigned issue":"Medical debt","Status":"Excluded except vacatur status","Claim IDs":"C057","Missing evidence or next action":"Full federal/state medical dossier"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Original gap, exclusion, unreviewed judicial construction/history, application or full parent dimension remains open; this review grants no acceptance."},{"topic":"Identity-theft blocking","researcher_record":{"Assigned issue":"Identity-theft blocking","Status":"Excluded","Claim IDs":"—","Missing evidence or next action":"§§1681c-2 and Regulation V identity-theft pass"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Original gap, exclusion, unreviewed judicial construction/history, application or full parent dimension remains open; this review grants no acceptance."},{"topic":"Specialty tenant/employment/insurance reporting","researcher_record":{"Assigned issue":"Specialty tenant/employment/insurance reporting","Status":"Excluded","Claim IDs":"—","Missing evidence or next action":"Separate specialty-reporting components"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Original gap, exclusion, unreviewed judicial construction/history, application or full parent dimension remains open; this review grants no acceptance."},{"topic":"Mortgage/repo/child-support/tax/education reporting","researcher_record":{"Assigned issue":"Mortgage/repo/child-support/tax/education reporting","Status":"Excluded","Claim IDs":"—","Missing evidence or next action":"Separate sector passes"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Original gap, exclusion, unreviewed judicial construction/history, application or full parent dimension remains open; this review grants no acceptance."},{"topic":"Bankruptcy reporting","researcher_record":{"Assigned issue":"Bankruptcy reporting","Status":"Excluded","Claim IDs":"—","Missing evidence or next action":"Bankruptcy and discharge-reporting pass"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Original gap, exclusion, unreviewed judicial construction/history, application or full parent dimension remains open; this review grants no acceptance."},{"topic":"Ordinary debt limitations/revival","researcher_record":{"Assigned issue":"Ordinary debt limitations/revival","Status":"Excluded","Claim IDs":"—","Missing evidence or next action":"State limitations component"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Original gap, exclusion, unreviewed judicial construction/history, application or full parent dimension remains open; this review grants no acceptance."},{"topic":"Litigation/admissibility","researcher_record":{"Assigned issue":"Litigation/admissibility","Status":"Excluded","Claim IDs":"—","Missing evidence or next action":"Pleading, business-record, assignment, and proof pass"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Original gap, exclusion, unreviewed judicial construction/history, application or full parent dimension remains open; this review grants no acceptance."},{"topic":"Credit score effect","researcher_record":{"Assigned issue":"Credit score effect","Status":"Unresolved/account-specific","Claim IDs":"C060","Missing evidence or next action":"Actual bureau data and scoring model; no guarantee possible"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Original gap, exclusion, unreviewed judicial construction/history, application or full parent dimension remains open; this review grants no acceptance."},{"topic":"Named account/provider verification","researcher_record":{"Assigned issue":"Named account/provider verification","Status":"Not performed","Claim IDs":"—","Missing evidence or next action":"Actual reports, contracts, furnisher files, and legal entity"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Original gap, exclusion, unreviewed judicial construction/history, application or full parent dimension remains open; this review grants no acceptance."},{"topic":"Component/state/parent/A066 acceptance","researcher_record":{"Assigned issue":"Component/state/parent/A066 acceptance","Status":"Not granted","Claim IDs":"—","Missing evidence or next action":"Remaining registry dimensions and scoped review"},"coordinator_acceptance":"whole_component_reviewed_with_bounded_corrections_and_holds","coordinator_review":"[internal evidence reference]","coordinator_reviewed_at":"2026-10-29T02:54:58.100758+00:00","coordinator_parent_acceptance":false,"coordinator_scope_limit":"Original gap, exclusion, unreviewed judicial construction/history, application or full parent dimension remains open; this review grants no acceptance."}],"annotations":{},"corrections":[{"issue_id":"S_NE-P10-Q001","finding":"Initial-accuracy prohibition requires the statutory address qualification","affected_claim_ids":["S_NE-P10-C025"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://uscode.house.gov/us/usc/119-124/t15/s1681s-2/"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"S_NE-P10-Q002","finding":"Consumer-statement 100-word limitation depends on CRA assistance","affected_claim_ids":["S_NE-P10-C023"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://uscode.house.gov/us/usc/119-124/t15/s1681i/"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"S_NE-P10-Q003","finding":"Grouped statutory sources need complete literal locators","affected_claim_ids":[],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":[],"localization":"report_level_pending_localization_required","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."},{"issue_id":"S_NE-P10-Q004","finding":"Ordinary CRA steps need the expedited-resolution exception","affected_claim_ids":["S_NE-P10-C017","S_NE-P10-C021","S_NE-P10-C022"],"related_claim_ids":[],"validated_exact_raw_rows":[],"exact_original_cell_matches":[],"source_urls":["https://uscode.house.gov/us/usc/119-124/t15/s1681i/"],"localization":"claim_row_matches_available_no_complete_narrative_localization","public_status":"Recorded correction pending; working-paper assertion requires the stated repair or qualification."}],"resolved_corrections":[],"review_history":[{"id":"S_NE-P10-scoped-review-20261029","status":"whole_first_scoped_delegated_coordinator_review_complete_four_bounded_findings_UNSENT","at":"2026-10-29T02:54:58.100758+00:00"}]}