{"meta":{"key":"s_wi--pass-04","task":"S_WI","title":"Credit reporting, disputed information, settlements, and reporting consequences","parent_title":"Wisconsin debt and debt relief law","edition":"pass-04","path":"/research/s_wi--pass-04/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":14,"claims":51,"sources":42,"review_status":"revise","review_complete":true,"sha256":"5e3d45ab6f4ed558c20d27bd3dd3e30de75ace033d625d78b02c4a4c3bc4fc2f","headings":["Credit reporting, disputed information, settlements, and reporting consequences","1. Critical current-law findings","The 2025 federal medical-debt reporting ban is not operative","Wisconsin's disputed-debt rule differs from federal FCRA investigation duties","A consumer dispute can trigger different legal processes","2. Federal preemption substantially limits Wisconsin reporting claims","3. Actor, debt, and jurisdiction coverage","4. Before a collector reports: Wisconsin, FDCPA, and Regulation F","4.1 Wisconsin false-credit and disputed-status duties","4.2 Regulation F debt parking","4.3 FDCPA disputed-status furnishing","5. FCRA investigation architecture","5.1 Initial furnisher duties: §623(a)","5.2 CRA-mediated dispute: §§611 and 623(b)","5.3 Direct-to-furnisher dispute: Regulation V §1022.43","5.4 Reporting/investigation outcome matrix","6. Relative clocks, notices, and decision-makers","7. Reporting status, obsolescence, and settlement consequences","7.1 First delinquency and re-aging","7.2 Reporting status matrix","7.3 Public records and bankruptcy","8. Medical debt: current authority and voluntary practice","Controlling status","Separate, surviving categories","9. State–federal claims, remedies, and preemption","Wisconsin statutory damages are not automatically the federal award","Federal limitations, causation, and concrete injury","10. Controlling case grid and important limitations","Later-treatment and version limitations","11. Hypothetical evidence and decision workflows","Example 1 — Original creditor reports a balance the consumer disputes","Example 2 — Third-party collector wants to report before contact","Example 3 — Late oral dispute outside the validation period","Example 4 — CRA-mediated versus direct furnisher dispute","Example 5 — Thirty versus forty-five days, with new evidence","Example 6 — Fully settled account still displays original unpaid balance","Example 7 — Paid medical collection","Example 8 — New collector and an old charged-off account","Example 9 — Duplicate accounts and disputed ownership","Example 10 — Claim of credit denial and damages","Example 11 — Wisconsin statutory penalty arithmetic without assuming a claim survives","Example 12 — Credit freeze versus collection/reporting","12. Source register — S_WI-P04-S001 onward","Wisconsin and federal statutes/rules","Public policies, forms, enforcement routes, and decisions","13. Consumer access, official instructions, and evidentiary records","Access to reports","Security freezes","Official forms and instructions","Evidence to retain versus legally mandatory records","14. Claim register — S_WI-P04-C001 onward","15. Complete PASS-04 coverage and gap matrix","16. Exact follow-on research holds","17. Researcher self-check"],"generation_provenance":{"actual_route":"regular_chat_adaptive_models","actual_model":"GPT-6","actual_mode":"Extra High","provenance_limit":"Actual documented capture labels only; missing labels remain unknown. No preferred setting is inferred as actual execution."},"public_id":"S_WI/pass-04","facets":{"geography":["us","us-wi"],"debt_type":[],"stage":["settlement"],"subject":["settlement-negotiation","credit-reporting"]},"scope":"DistinctremainingWisconsincreditreporting/disputedinformation/settlement-reportingstate-federalintersection;P1P2P3unreviewednotpremises;afterP3whole saved","pending_corrections":0},"markdown":"# SettleADebt — Wisconsin S_WI PASS-04\n\n## Credit reporting, disputed information, settlements, and reporting consequences\n\nResearch baseline: October 22, 2026\nActual fresh source-access date: October 26, 2026, Pacific / October 26, 2026, UTC\nMethod: Regular Chat, public-source research. PASS-01, PASS-02, and PASS-03 remain saved but unreviewed; none is treated as an accepted legal foundation.\n\nScope: Ordinary unsecured consumer debts, with separate treatment of original creditors, collection agencies, debt purchasers, furnishers, consumer reporting agencies, and report users. Medical, bankruptcy, judgment, and other sector-specific issues are addressed only at necessary reporting boundaries.\n\n## 1. Critical current-law findings\n\n### The 2025 federal medical-debt reporting ban is not operative\n\nThe Consumer Financial Protection Bureau issued a broad medical-debt credit-reporting rule in January 2025. On July 11, 2025, the U.S. District Court for the Eastern District of Texas vacated it in Cornerstone Credit Union League v. CFPB, No. 4:25-cv-00016, Document 52.\n\nThe CFPB's current FCRA compliance page expressly acknowledges the vacatur and identifies its former medical-debt rule materials as reference-only. Consequently, the 2025 rule cannot be presented as an operative nationwide prohibition on medical-debt credit reporting. Existing FCRA provisions, including special medical-information restrictions, veteran-medical-debt protections, and any applicable CRA policies remain separate questions. Consumer Financial Protection Bureau+2\n\n### Wisconsin's disputed-debt rule differs from federal FCRA investigation duties\n\nWis. Stat. §427.104(1)(c) prohibits a qualifying debt collector from communicating adverse creditworthiness information with knowledge or reason to know that it is false. Paragraph (f) separately prohibits communicating the existence of a debt known to be reasonably disputed without disclosing the dispute.\n\nIn Turner v. Gene Dencker Buick-Pontiac, Inc., the Wisconsin Court of Appeals held that a bank's initial oral request to flag a debt as disputed did not excuse subsequent monthly reports omitting that status. Every relevant disclosure required accurate disputed-status treatment. The case demonstrates that even a genuine underlying debt can produce a separate reporting-conduct violation. law.justia.com+1\n\nThese Wisconsin provisions do not automatically cover every reporting relationship. Chapter 427 has its own consumer-transaction, deferred-payment, actor, and territorial predicates. Federal FCRA furnisher obligations, by contrast, attach according to the federal consumer-reporting relationship.\n\n### A consumer dispute can trigger different legal processes\n\nA dispute sent directly to a furnisher may trigger Regulation V's direct-dispute investigation process, subject to its address, information, subject-matter, and other exceptions. A dispute sent to a consumer reporting agency triggers FCRA §611 reinvestigation duties and, following the CRA's statutory referral, can activate the furnisher's separate §623(b) obligations.\n\nThe CRA generally has 30 days, potentially extended by up to 15 additional days when the statutory conditions are satisfied. This is not a rule that every disputed item must be deleted after 30 days. uscode.house.gov+2\n\nThe remainder of the report tests these rules against actual actor coverage, deadlines, remedies, settlement status, obsolescence, preemption, and controlling cases.\n\n## 2. Federal preemption substantially limits Wisconsin reporting claims\n\nThis is a material qualification to the Wisconsin reporting duties.\n\n15 U.S.C. §1681t(a) generally preserves nonconflicting state law, but §1681t(b)(1)(E) and (F) expressly preempt important subject matters involving the contents of consumer reports and furnisher responsibilities. Section 1681h(e) separately addresses defamation, invasion-of-privacy, and negligence claims involving specified credit-report disclosures.\n\nIn Purcell v. Bank of America, 659 F.3d 622 (7th Cir. 2011), the Seventh Circuit rejected a reading that would preserve otherwise-preempted state common-law claims simply because malicious furnishing was alleged. It held that §1681t(b)(1)(F) reaches state common-law claims as well as statutes within its subject matter. uscode.house.gov+2\n\nThere is also a current administrative-interpretation change: the CFPB withdrew its 2022 narrow-preemption interpretation in May 2025 and published a replacement broad-preemption interpretation applicable October 28, 2025, at 90 Fed. Reg. 48710. That interpretation is agency guidance, not an amendment to the FCRA or a binding judicial ruling on every Wisconsin statute. federalregister.gov+1\n\nPractical research consequence: The merits of a Wisconsin §427.104 credit-reporting violation and whether a particular state-law cause of action survives federal preemption are distinct questions. Turner establishes the Wisconsin-law merits ruling on its facts; it does not itself resolve every later federal preemption issue.\n\n## 3. Actor, debt, and jurisdiction coverage\n\nThe starting question is not simply whether the item is a collection account. It is which actor communicated which information, to whom, about what underlying transaction.\n\nWisconsin ch. 427 applies to an attempt to collect an alleged debt from a qualifying consumer-credit or other consumer transaction with deferred payment, expressly including primarily agricultural transactions. The Wisconsin Consumer Act’s general definitions, exclusions, and territorial rules remain relevant; a purely business-purpose debt is not automatically within this chapter, while an original creditor can be covered. Wisconsin's licensed-collection-agency rule, DFI-Bkg 74.16, uses its own licensee trigger and need not be consumer-purpose limited. law.justia.com+3\n\nClaim notation: In the remaining tables, `C001` means `S_WI-P04-C001`, and `S001` means `S_WI-P04-S001`. These are new PASS-04 identifiers, not aliases claiming review or acceptance of an earlier pass.\n\n| Actor or debt | Wisconsin reporting/collection law | Federal reporting or collection law | Hold or exception |\n| --- | --- | --- | --- |\n| Original creditor collecting its own consumer installment debt | Ch. 427 may apply; cannot knowingly disseminate false creditworthiness information or conceal known reasonable dispute when within its scope | FCRA furnisher duties if reporting; usually not FDCPA debt collector | Original-creditor status alone is not a WCA exemption |\n| Original creditor reporting a credit-card account | Determine qualifying consumer/deferred-payment transaction | FCRA/Reg V if furnisher; qualified financial institution may owe §623(a)(7) negative-report notice | No general federal requirement to furnish at all |\n| Third-party collection agency | Ch. 427 if qualifying transaction; DFI-Bkg 74.16 if Wisconsin licensee | FCRA furnisher duties if it reports; FDCPA/Reg F if federally covered | State license and federal debt-collector tests differ |\n| Debt buyer collecting purchased consumer debt | May be a WCA debt collector regardless of original-creditor status | Furnisher rules if it reports; FDCPA principal-purpose and other coverage require separate facts | Purchase does not automatically erase reporting duties |\n| Passive debt owner using a servicer | Depends on actual direct or indirect collection conduct | Owner's furnishing, collector's furnishing, and servicer's duties must be classified separately | No universal predecessor/successor data-imputation rule established |\n| Servicer | Depends on Wisconsin transaction and license facts | Furnisher if supplying data; federal FDCPA exclusion may turn on acquisition before default | Must distinguish own reporting from reporting for owner |\n| Collection attorney | No categorical WCA conduct exemption established | Can be FDCPA debt collector; FCRA if it furnishes information | Litigation-only and representation details remain outside scope |\n| Guarantor or joint obligor | Actual Wisconsin customer, obligation, and transaction definitions control | Federal report and dispute rules can apply to information about an individual | No automatic guarantee that a business-loan guaranty is a covered consumer debt |\n| Consumer reporting agency (CRA) | Wisconsin credit-report-access/freeze provisions may apply subject to preemption | FCRA CRA accuracy, disclosure, reinvestigation, and obsolescence provisions | Not automatically a collector or creditor |\n| Report user, such as a lender | No automatic ch. 427 duty merely from reading a report | FCRA permissible-purpose and applicable user duties | Obtaining a report is different from furnishing data |\n| Pure commercial debtor | Ordinary WCA ch. 427 consumer coverage generally absent | FDCPA consumer-debt coverage absent; FCRA about an individual's consumer report requires separate purpose analysis | Wisconsin licensee conduct rules may still govern |\n| Primarily agricultural deferred-payment debt | Ch. 427 expressly includes the qualifying transaction | Federal FDCPA generally excludes business/agricultural-purpose debt | State-only branch possible |\n| Medical collection | State WCA facts and any medical-sector law need individual classification | FCRA plus applicable medical restrictions and CRA policy | No currently operative blanket CFPB 2025 ban |\n| Cross-border furnishing or collection | §421.201 Wisconsin transaction/collection nexus must be established | Federal actor, reporting, interstate-commerce and consumer-reporting predicates | A Wisconsin residence alone does not establish every state-law duty |\n\nC001, C004, C007–C008, C049.\n\nThe FCRA defines a consumer as an individual, a consumer report by the statutory communication-and-purpose test, and a CRA by its business of assembling or evaluating consumer information for third parties. A report user must have a permissible purpose. Section 1681b(a)(3)(A) includes credit decisions and review or collection of an account; this does not authorize indiscriminate report access. uscode.house.gov+1\n\n## 4. Before a collector reports: Wisconsin, FDCPA, and Regulation F\n\n### 4.1 Wisconsin false-credit and disputed-status duties\n\nFor a covered state actor:\n\n- §427.104(1)(c): Adverse creditworthiness disclosures cannot be made with knowledge or reason to know the information is false.\n- §427.104(1)(e): Reputation-affecting disclosures to persons without legitimate business need are restricted, subject to statutory authorization.\n- §427.104(1)(f): If the debt is known to be reasonably disputed, disclosing or threatening to disclose its existence without the dispute is prohibited.\n- DFI-Bkg 74.16(3), (6), and (7): Parallel prohibitions apply to Wisconsin collection-agency licensees.\n\nThe word known matters. These provisions do not automatically compel a collector to accept every allegation as established fact. But a legitimate underlying obligation is not a license to transmit a wrong amount or omit a known disputed status. law.justia.com+1\n\n### 4.2 Regulation F debt parking\n\nUnder 12 C.F.R. §1006.30(a), a covered federal debt collector must not furnish information about a debt to a CRA until it either:\n\n1. speaks with the consumer about the debt in person or by telephone; or\n2. mails a letter or sends an electronic message about the debt, then waits a reasonable period while accepting and monitoring delivery-failure notifications.\n\nThe official interpretation supplies 14 consecutive days after sending as a reasonable period, not 14 business days. If nondelivery is reported during that period, the collector must qualify again before furnishing. The rule expressly exempts furnishing to a specified nationwide specialty CRA maintaining check-writing-history information.\n\nThis is not a blanket ban on all original creditors or a requirement that the collector wait until the federal 30-day validation period has ended. Valid electronic communication must independently meet its applicable delivery requirements. C009. Consumer Financial Protection Bureau\n\nRegulation F §1006.30(b) also prohibits certain transfers, sales for consideration, or placements for collection of debts known or reasonably known to have been paid, settled, or discharged in bankruptcy. The regulation has exceptions, including specified transfers to the debt's owner, exchanges required by law, and certain securitizations. This is a rule about covered debt collectors transferring covered debts, not a universal prohibition on retaining historically accurate credit-report data. Consumer Financial Protection Bureau\n\n### 4.3 FDCPA disputed-status furnishing\n\nUnder 15 U.S.C. §1692e(8), a federally covered collector cannot communicate or threaten credit information it knows or should know is false, including failing to communicate that a debt is disputed.\n\nThe disputed-status duty is not confined to a timely written §1692g validation dispute. Oral or late disputes can supply knowledge for §1692e(8), although the legal consequence of a particular communication still requires the actual facts. The Wisconsin provision, federal disputed-status provision, and §1692g verification pause must be separately labeled. C010–C011. uscode.house.gov+1\n\n## 5. FCRA investigation architecture\n\n### 5.1 Initial furnisher duties: §623(a)\n\n15 U.S.C. §1681s-2(a) imposes these material responsibilities:\n\n- Do not furnish information known, or reasonably supported by specific knowledge, to be inaccurate; the statute defines reasonable cause carefully and does not equate a bare consumer allegation with proof.\n- Correct and update information subsequently determined incomplete or inaccurate.\n- When the consumer disputes completeness or accuracy directly, do not continue furnishing the item without indicating that it is disputed.\n- Report the applicable commencement-of-delinquency month and year for charged-off or collection accounts under §623(a)(5).\n- Where §623(a)(7) applies, a financial institution extending credit and regularly furnishing negative information must provide the specified written notice before or within 30 days after initially furnishing that negative information. A notice can cover subsequent furnishing for the same account; it is not a universal prior-consumer-contact rule.\n\nThe §623(a) duties are primarily enforced by designated government authorities. There is no general individual damages action directly under §623(a); §1681s-2(c) and (d) expressly restrict private enforcement. C019, C025, C027. uscode.house.gov\n\n### 5.2 CRA-mediated dispute: §§611 and 623(b)\n\nThe consumer disputes information with the CRA. The CRA then:\n\n1. conducts a reasonable reinvestigation, free of charge, unless a statutory exception applies;\n2. forwards the dispute and all relevant information to the furnisher;\n3. assesses whether the item is accurate, incomplete, unverifiable, or requires modification; and\n4. notifies the consumer of the results.\n\nThe furnisher's §623(b) duty arises after notice from the CRA under §1681i(a)(2), not simply after receiving an ordinary consumer letter. It must investigate, review relevant information, report the result, notify other applicable nationwide CRAs of inaccuracies, and modify, delete, or permanently block the disputed item where the statute requires.\n\nThe furnisher's deadline is coordinated with the CRA reinvestigation period, not a fresh automatic 30 days beginning whenever the furnisher opens its mail. C012–C020. uscode.house.gov+1\n\n### 5.3 Direct-to-furnisher dispute: Regulation V §1022.43\n\nA direct dispute requires a reasonable investigation where it concerns the consumer's liability, account terms, payment performance, or other creditworthiness information furnished about an account or relationship. But the rule excludes several categories when raised directly with that furnisher, including:\n\n- identifying information unrelated to liability;\n- past or current employer identity;\n- credit inquiries;\n- public-record information not supplied by that account furnisher;\n- fraud/active-duty alerts;\n- information supplied by another furnisher; and\n- disputes reasonably believed to originate from certain credit-repair organizations or their forms.\n\nThe consumer must send the dispute to a qualifying address and provide sufficient account identification, the disputed information, the reason, and reasonably required supporting information. If the furnisher has supplied an eligible dispute address, sending to an arbitrary other office does not automatically invoke §1022.43. Consumer Financial Protection Bureau\n\nThe furnisher must review relevant material, investigate reasonably, and send results to the consumer within the period that §611 would allow a CRA. If inaccurate data was furnished, the furnisher must promptly correct the information with each CRA to which it furnished that inaccurate information. A qualifying frivolous, irrelevant, or insufficient dispute can be rejected with reasons and missing-information guidance, provided within five business days after the determination.\n\nA direct furnisher dispute does not, by itself, start the separate §623(b) private-liability pathway. Nor does it automatically stay debt collection. C021–C025. Consumer Financial Protection Bureau\n\n### 5.4 Reporting/investigation outcome matrix\n\n| Finding after applicable investigation | CRA action | Furnisher action | Collection/debt effect |\n| --- | --- | --- | --- |\n| Item accurate and complete | May retain; CRA gives required results | Report findings; continue accuracy/update duties | Debt not canceled, no automatic collection stay |\n| Wrong amount, date, or status verified | Correct or modify; delete if appropriate | Correct each applicable CRA | Collection rights require separate contract/law analysis |\n| Item incomplete | Modify or delete appropriately | Correct reporting and relay other required notifications | No automatic debt extinguishment |\n| Cannot verify | Delete or modify under §611, as appropriate | Under §623(b), modify, delete, or permanently block as appropriate | Lack of CRA verification is not a merits judgment |\n| Direct dispute excluded by §1022.43(b) | CRA route remains a separate possible process | Furnisher may use qualifying exception | No presumption the consumer is wrong |\n| Frivolous/irrelevant for stated reasons | CRA may terminate reinvestigation with prescribed notice | Furnisher may reject qualifying direct dispute with prescribed notice | Supporting new information can change treatment |\n| Information previously deleted is to be reinserted | Furnisher certification of completeness and accuracy; consumer notice generally within five business days after reinsertion; prevent unauthorized reappearance | Supply certification and accurate data | Reinsertion isn't categorically banned |\n| Dispute cannot be resolved by simple factual verification | Requires actual CRA duties and case-law analysis | Furnisher's own information and responsibilities remain independently relevant | CRA is not necessarily a court deciding complex legal ownership |\n\nC013–C024, C043–C045, C050.\n\n## 6. Relative clocks, notices, and decision-makers\n\nA reporting-dispute clock, a validation period, a reporting-age limit, and a lawsuit limitation period are four different legal clocks.\n\n| Trigger | Responsible actor | Statutory period or method | Required action | Exception or failure consequence |\n| --- | --- | --- | --- | --- |\n| Consumer dispute received by CRA | CRA | 30 calendar days beginning on receipt, subject to statutory exceptions | Reasonable reinvestigation, correction/deletion/status determination | No automatic deletion merely because dispute submitted |\n| Relevant new consumer information received during initial 30 days | CRA | May extend by no more than 15 days | Complete reinvestigation, up to a possible 45-day period | No extension if CRA already found item inaccurate, incomplete, or unverifiable in initial period |\n| CRA receives qualifying dispute | CRA | Within five business days | Notify furnisher with all relevant available dispute information | Additional relevant information must be forwarded promptly |\n| CRA concludes dispute frivolous or irrelevant | CRA | Within five business days after determination | Notice explaining reason and missing information | Not a blanket right to dismiss unfamiliar evidence |\n| Reinvestigation complete | CRA | Within five business days after completion | Send result and required revised report/rights information | Properly authorized alternative delivery permitted |\n| CRA deletes within three business days under expedited procedure | CRA | Special §611(a)(8) branch | Prompt telephone notice and written confirmation/report within five business days | Specified normal forwarding/results requirements are replaced only if all conditions met |\n| Consumer asks how reinvestigation was conducted | CRA | Within 15 days of that request | Describe verification procedure and relevant furnisher contact information | Separate request and response duty |\n| CRA reinserts previously deleted item | CRA and certifying furnisher | Notice within five business days of reinsertion | Furnisher certification; consumer notice and required information; anti-reappearance controls | Reinsertion without certification prohibited |\n| Consumer submits direct dispute properly to furnisher | Furnisher | Investigation/result timeframe comparable to §611's 30-day, conditionally 45-day period | Reasonable investigation and consumer result; correct reporting if inaccurate | §1022.43 subject-matter, address, and frivolous exceptions |\n| Furnisher determines a direct dispute frivolous/irrelevant | Furnisher | Five business days after determination | Explain finding and needed information | Doesn't create §623(b) CRA-notice predicate |\n| CRA provides §611(a)(2) notice to furnisher | Furnisher | Must complete §623(b) duties before expiration of the CRA reinvestigation period | Investigate, review, report results, and modify/delete/block as required | No new independent 30-day clock from the forwarded notice |\n| Financial institution initially furnishes qualifying negative credit information | Institution | Before or within 30 days after first furnishing | §623(a)(7) consumer notice | Narrow scope; later same-account furnishing generally not a new notice |\n| Furnisher first reports an account placed for collection/charged off | Furnisher | Within 90 days after first furnishing | Supply statutory commencement-of-delinquency date | Transfer to a new collector does not reset the underlying DOFD |\n| Federal covered collector sends letter/electronic message before furnishing | Collector | Reasonable monitoring period; official example 14 consecutive days | Monitor undeliverability before reporting | Nondelivery during window prevents furnishing until a qualifying step is completed |\n| Federal §1692g validation period | Covered collector | 30 days after received/assumed-received validation information, under applicable rule | Timely written dispute triggers verification-and-pause | Not a CRA dispute deadline or reporting-age period |\n| Wisconsin reasonably disputed status | Covered Wisconsin collector | No numeric duration enacted in §427.104(1)(f) | Disclose known reasonable dispute in covered communications | Does not automatically stay collection |\n| FCRA private-action limitations | Potential plaintiff | Earlier of two years after discovery of actionable violation or five years after occurrence | Statutory suit deadline | Factual discovery, statutory predicates, and tolling issues may affect application |\n| Wisconsin Consumer Act customer enforcement | Potential plaintiff | §425.307's alternative triggers and absolute six-year ceiling | Timely covered WCA action | Not ordinary debt-collection limitations; preemption and noncustomer-standing questions held |\n\nThe CRA's forwarding deadline is measured from CRA receipt, while the furnisher's §623(b) process is activated by CRA notice. Subsection 611 also provides a limited right to a dispute statement: when reinvestigation does not resolve the dispute, the consumer can submit a brief statement; a CRA providing assistance may limit it to 100 words and must generally flag it in subsequent reports containing the item. On consumer request, the CRA must give specified prior recipients notice—generally recipients within six months, or two years for employment-related reports. C013–C018, C024, C027–C028. uscode.house.gov\n\nThere is no basis here for promising a real-world calendar deadline without the actual delivery/receipt records, applicable jurisdiction, method, holiday calendar, and whether an extension was lawfully triggered.\n\n## 7. Reporting status, obsolescence, and settlement consequences\n\n### 7.1 First delinquency and re-aging\n\nFor an account placed for collection or charged off, 15 U.S.C. §1681c(c) ties the seven-year reporting period to the expiration of a 180-day period beginning with the commencement of the delinquency immediately preceding collection/charge-off.\n\nThe operative reference point is commonly called the date of first delinquency (DOFD).\n\nStatutory exclusion boundary=DOFD+180 days+7 years\\text{Statutory exclusion boundary} =\n\\text{DOFD} + 180\\text{ days} + 7\\text{ years}Statutory exclusion boundary=DOFD+180 days+7 yearsThat is a ceiling on reporting under the covered provision, not a promise that a CRA will always report until the final day. Section 1681s-2(a)(5) separately requires covered furnishers to provide the month and year of the qualifying delinquency.\n\nA new sale, new collector, updated date reported, partial payment, settlement, or charge-off does not by itself create a new original delinquency that permits restarting the FCRA exclusion period. Debt-enforcement limitations and potential revival are distinct and deliberately not decided here. C027–C029. uscode.house.gov\n\n### 7.2 Reporting status matrix\n\n| Account condition | What legal accuracy can require | What it does not automatically require | Evidence or hold |\n| --- | --- | --- | --- |\n| Delinquent but outstanding | Accurate balance, status, dates, creditor, dispute notation when required | Immediate deletion after a dispute | Ledger, payments, ownership, DOFD |\n| Charged off | Accurate historical charge-off and legally permissible status/balance | Debt forgiveness or reporting-period reset | Charge-off records and DOFD |\n| Sold/transferred | Original owner's continuing balance must reflect genuine assignment and lack of remaining receivable; purchaser information must be accurate | Universal removal of original tradeline | Assignment and reporting conventions |\n| Third-party collection placement | Accurate collector identity, account and balance, dispute notation | Automatic deletion of original creditor's accurate history | Owner-versus-agent relationship |\n| Account fully paid | Current collectible balance ordinarily $0; historical accurate adverse status may remain | Removal of all older late payments | Posted payoff/ledger |\n| Settlement fully completed for less than full stated debt | No continuing collectible balance if valid agreement fully satisfied obligation; settlement/paid-for-less description must not mislead | Reporting as paid in full at original terms or automatic deletion | Actual settlement terms, completion, releases |\n| Settlement promised but incomplete | Current legally owed amount depends on agreement, payment performance and defaults | Assumed $0 balance on acceptance alone | Contract terms; payment ledger |\n| Consumer disputes balance | Dispute indicator as applicable; factual investigation duties by actor | Debt cancellation or automatic report suppression | Exact disputed entry and evidence |\n| Duplicate creditor and collector tradelines | Each must accurately convey its separate role, owner, balance and status | Per se ban on any two historical entries | Actual duplicate liability and owner/servicer relationships |\n| Ownership legally disputed | CRA investigates reasonably investigable facts; furnisher investigates own relevant information | CRA decides every complex chain-of-title legal question | Assignments, identifiers, judgments |\n| Bankruptcy discharge | Personal-liability status and any outstanding balance must not misrepresent discharge; §1681c has bankruptcy-age provisions | Immediate deletion of bankruptcy filing or all historic delinquencies | Order, chapter, schedules and discharge treatment |\n| Civil judgment/public record | FCRA §1681c(a)(2) and accuracy rules; CRAs may voluntarily exclude some records | That every voluntarily omitted item is federally prohibited | Entry date, jurisdiction, CRA policy |\n| Paid tax lien | FCRA historical age text includes seven years from payment | Mandatory inclusion on reports | Actual record and applicable CRA policy |\n| Old collection account placed with new agency | DOFD remains anchored in underlying delinquency | New seven-year cycle | Original account history |\n| Medical collection | Applicable federal statutory protections, accuracy, and current voluntary CRA policies | Operative 2025 CFPB blanket ban | Medical classification, amount, paid status, reporting date |\n| Veteran medical debt | Specific actual-knowledge reporting exclusions and §611(g) dispute/removal process | Applying veteran protections to all medical debt | Veteran/VA-liability facts held |\n\nC026–C032, C043–C048.\n\nA historically accurate charge-off is not the same as a current unpaid balance. A settlement that satisfies the obligation can correctly coexist with older negative payment history. In Frazier v. Dovenmuehle Mortgage, Inc. (7th Cir. 2023), the court rejected a materially-misleading-reporting theory after examining a settled, closed, zero-balance account and its historical delinquency coding in context. This was a mortgage-servicing case, so the holding is used only for its FCRA reporting analysis, not as Wisconsin mortgage-sector research. media.ca7.uscourts.gov\n\n### 7.3 Public records and bankruptcy\n\nSection 1681c(a) distinguishes different categories:\n\n- Bankruptcy cases: generally ten years from entry of the order for relief/adjudication.\n- Civil suits, civil judgments and arrest records: generally seven years from entry or until the governing statute of limitations expires, whichever is longer.\n- Paid tax liens: generally seven years after payment.\n- Collection/charge-off accounts: the DOFD-plus-180-days reporting rule.\n- Other adverse information: generally seven years, subject to statutory exceptions.\n\nSubsection (b) contains exceptions to some age exclusions for particular high-value credit, life-insurance, and employment purposes, including a credit transaction involving or reasonably expected to involve principal of $150,000 or more. This report does not investigate those secondary use cases.\n\nA bankruptcy's appearance on a credit report, discharge of personal liability, accuracy of a trade balance, lien enforceability, and collection legality are separate issues. C028–C029, C048. uscode.house.gov\n\n## 8. Medical debt: current authority and voluntary practice\n\n### Controlling status\n\nThe July 11, 2025 Cornerstone judgment vacated the January 2025 CFPB medical-debt amendments, including the proposed additions to Regulation V §§1022.30 and 1022.38. The signed district-court order and judgment were read, including the remedy language. The current CFPB compliance page acknowledges the vacatur.\n\nConsequently, there is no operative nationwide CFPB rule from that 2025 action categorically removing medical collections from consumer reports. storage.courtlistener.com+2\n\n### Separate, surviving categories\n\n| Category | Current distinction | Evidence and limit |\n| --- | --- | --- |\n| Ordinary medical collection | Federal FCRA accuracy, completeness, dispute, obsolescence and applicable medical-information protections remain | 2025 blanket rule vacated |\n| Identifying medical providers | §1681c(a)(6) restricts uncoded medical-provider names/addresses/contact information in reports, subject to specified exception | Not a blanket exclusion of the debt |\n| Creditor use of medical information | Existing Regulation V §1022.30 has qualified restrictions and exceptions | Loan-decision use differs from reporting |\n| Veteran medical debt | §§1681c(a)(7)–(8), 1681i(g) supply special protections with statutory predicates, including actual knowledge and VA documentation | Not generalized to every medical bill |\n| Paid medical collection at three nationwide CRAs | Publishers describe voluntary removal/exclusion practices | Policy, not a universal statutory entitlement |\n| Medical collection with reported starting balance under $500 | Current publisher materials indicate voluntary exclusion | Exact measurement, threshold/equality, and coverage must be checked |\n| Unpaid medical collection less than one year old | Publishers describe a waiting period before appearance | Not an across-the-board statutory waiting period from the vacated rule |\n| Medical expense charged to ordinary credit card | May be a credit-card balance rather than a medical-collection item for voluntary policies | Source/type classification required |\n| Wisconsin medical provider assistance, billing, lien, or charity-care rights | Not resolved | Separate medical/sector pass |\n\nThe current TransUnion and Experian publications describe the three nationwide CRAs' voluntary removal of paid medical collection debt, an exclusion for qualifying small medical collection balances, and a one-year waiting practice for unpaid medical collections. Publisher wording around a $500 boundary and original versus remaining balance must be checked for each product and policy; the precise equality case is held rather than silently generalized. These practices do not bind every specialty CRA. TransUnion+2\n\nNo complete current Wisconsin medical-debt sector statute, provider-charity-care program, or regulation was established in this focused pass.\n\n## 9. State–federal claims, remedies, and preemption\n\n| Potential theory | Required initial gateway | Remedy/enforcement distinction | Preemption or standing hold |\n| --- | --- | --- | --- |\n| Wisconsin §427.104(1)(c) false adverse information | Covered consumer/deferred-payment transaction, qualifying debt collector, knowledge or reason to know falsity, relevant communication | §427.105 can allow actual damages plus applicable statutory penalty subject to prerequisites | Federal furnishing-subject preemption under §1681t(b)(1)(F) must be examined |\n| Wisconsin §427.104(1)(f) omitted known dispute | Reasonably disputed debt, knowledge, covered disclosure | Turner demonstrates state merits, not guaranteed recovery | Purcell and later federal law prevent assuming state merits equal surviving claim |\n| Licensed collection agency DFI-Bkg 74.16 | Actual Wisconsin licensee, act within rule | Regulator/licensing consequences distinct from a private statutory claim | No automatic private action from each rule breach |\n| FCRA §623(a) furnishing inaccurate/undisputed data | Furnisher, information, knowledge/update/dispute predicates | Administrative/government enforcement | General private §1681n/o claim barred by §1681s-2(c),(d) for duties arising only under (a) |\n| FCRA §623(b) failed post-CRA-notice investigation | Actual CRA §611 referral; unreasonable investigation/result; statutory violation | Potential private claim under §§1681n or 1681o | Requires relevant injury, causation, standing, and proper defendant |\n| FCRA CRA §611 investigation | CRA receives qualifying dispute | Potential FCRA remedies | An adverse consumer decision alone does not prove investigation unreasonable |\n| Regulation V direct-dispute failure | Furnisher, proper address, covered dispute, adequate information | Regulatory duty rooted in §623(a) | No independent ordinary private §623(b) trigger from direct complaint alone |\n| FDCPA §1692e(8) dispute omission | Covered collector, covered consumer debt, communicated credit data, known/should-known dispute | Actual damages plus potentially up to $1,000 additional statutory damages per individual action, costs and fees | Injury and standing, bona-fide-error defenses, applicable one-year federal limit |\n| Wisconsin negligence/defamation/privacy based on furnishing | State-law tort elements | Potential state tort remedy if survives | Purcell strongly constrains subject-matter overlap with §623 duties |\n| FCRA willful noncompliance | Actionable duty plus willful standard, standing, other elements | Actual damages or $100–$1,000 statutory damages, possible punitive damages, applicable fees | No guaranteed statutory amount without proper liability/standing |\n| FCRA negligent noncompliance | Actionable duty plus negligence, actual damages and causation | Actual damages and applicable fees | Statutory $100–$1,000 option does not apply under negligence alone |\n| CFPB/DFI/FTC regulatory complaint | Agency jurisdiction and intake requirements | Public enforcement or supervisory process, possible referral or voluntary resolution | Does not automatically create a private claim, stop reporting, toll limitations, or guarantee payment |\n\nC005–C006, C033–C035, C039–C041, C050–C051.\n\n### Wisconsin statutory damages are not automatically the federal award\n\nWis. Stat. §427.105(1) provides that an injured person may recover actual damages and the penalty provided by §425.304, expressly including qualifying emotional-distress damages. Section 425.304's own penalty calculation is the greater of:\n\nmin⁡(max⁡(2×finance charge,$100),$1,000)\\min(\\max(2\\times\\text{finance charge},\\$100),\\$1{,}000)min(max(2×finance charge,$100),$1,000)or the actual damages under that section. The Wisconsin annotation to Kirk v. Credit Acceptance Corp. cautions against adding both statutory and actual damages under §425.304 itself. The exact interaction with §427.105’s separate actual-plus-penalty language requires claim-specific analysis. It cannot simply be described as an automatic $1,000 or an automatic stack with federal awards.\n\nSection 425.307 contains alternative one- and two-year customer-action triggers and a six-year outer restriction, together with a defensive-use provision. Its actual triggering structure—and its applicability to a particular injured plaintiff—must be determined separately from the FCRA's limitations period. Justia Law+2\n\n### Federal limitations, causation, and concrete injury\n\nUnder §1681p, FCRA actions generally must be brought by the earlier of two years after discovery of the violation forming the basis for liability or five years after the violation occurs, subject to statutory particulars. Sections 1681n and 1681o distinguish willful from negligent noncompliance.\n\nIn TransUnion LLC v. Ramirez (2021), the Supreme Court distinguished misleading information actually disseminated to third parties from certain misleading information remaining only in internal CRA files. Statutory noncompliance does not automatically establish Article III concrete injury for a federal damages case. USCode+3\n\nPotential overlapping FDCPA, FCRA, and Wisconsin injuries must be separately attributed. No double recovery, punitive award, statutory minimum, class treatment, or litigation outcome is assumed here.\n\n## 10. Controlling case grid and important limitations\n\nThe following decisions were reviewed for the narrow reporting, dispute, accuracy, preemption, and standing issues. A published majority holding is separated from a dissent, a remand, and a district-court order. No complete commercial citator was available, so the currentness assessment is bounded to public sources checked October 26, 2026.\n\n| Case, court, and status | Facts, procedural posture, and disposition | Material holding | Exact location in opinion |\n| --- | --- | --- | --- |\n| Turner v. Gene Dencker Buick-Pontiac, Inc., 2001 WI App 28, Wisconsin Court of Appeals, published | Consumer disputed debt; bank continued monthly credit disclosures without dispute notation. Appellate court reversed/remanded relevant merits determination | Each disclosure of a known reasonably disputed debt needs appropriate dispute status; one initial oral notification did not excuse later omissions | ¶¶23–27; official 16-page PDF, printed pp.12–14, zero-based indexes 11–13 |\n| Purcell v. Bank of America, 659 F.3d 622 (7th Cir. 2011), published | State-law claims based on bank furnishing; appeal from disposition of state claims; reversed/remanded for dismissal | §1681t(b)(1)(F) preempts covered state statutory and common-law furnishing-duty theories despite §1681h(e) malice wording | Printed pp.3–7; eight-page official PDF, zero indexes 2–6 |\n| Westra v. Credit Control of Pinellas, 409 F.3d 825 (7th Cir. 2005), published | CRA gave furnisher limited identity-dispute data; summary judgment for furnisher affirmed | Reasonableness depends on information forwarded and available; sparse notice can justify narrower inquiry | Printed pp.2–4; four-page official PDF, zero indexes 1–3 |\n| Chuluunbat v. Experian Information Solutions, Inc., 4 F.4th 562 (7th Cir. 2021), published consolidated appeal | Credit-report disputes required determining legal ownership and validity of assignments; dismissals affirmed | CRAs are not courts required to resolve collateral complex legal disputes; objectively verifiable factual inaccuracies remain distinguishable | Printed pp.6–13; 14-page official PDF, zero indexes 5–12 |\n| Ewing v. MED-1 Solutions, LLC and Webster v. Receivables Performance Management, LLC, Nos. 21-1276/21-1299 (7th Cir. 2022), published consolidated opinion | Both collectors omitted dispute flags. Ewing's fax was accidentally misrouted; Webster's collector stopped checking its advertised fax. Ewing defense affirmed; Webster defense reversed/remanded | Actual furnishing to a CRA can create concrete reputational injury; an adequate bona-fide-error procedure is fact-dependent | Printed pp.2–5, 8–16; 16-page official PDF, zero indexes 1–4, 7–15 |\n| Frazier v. Dovenmuehle Mortgage, Inc., 72 F.4th 769 (7th Cir. 2023), published | Closed/settled zero-balance mortgage with historic delinquency coding; defense summary judgment affirmed | Accuracy is judged in reporting context; historical derogatory coding need not make the full tradeline materially misleading | Printed pp.5–11; 12-page official PDF, zero indexes 4–10 |\n| Frazier v. Equifax Information Services LLC, No. 23-2355 (7th Cir. 2024), published, split opinion | CRA dispute and denied loan; majority affirmed summary judgment for CRA | Majority found no actionable inaccuracy or causal connection on that record; Judge Hamilton dissented | Majority printed pp.1–14, zero indexes 0–13; dissent printed pp.15–30, zero indexes 14–29 |\n| TransUnion LLC v. Ramirez, 594 U.S. 413 (2021), Supreme Court majority merits holding | Certain misleading consumer files disseminated to third parties; others remained internal. Judgment reversed/remanded in part | Statutory violation alone is not always concrete Article III injury; publication and claim-specific harm matter | Majority opinion beginning after four-page syllabus; official 53-page PDF, zero index 4 onward, especially opinion pp.1–4 (zero 4–7) and subsequent standing analysis |\n| Cornerstone Credit Union League v. CFPB, No. 4:25-cv-00016 (E.D. Tex. July 11, 2025), final district-court order/judgment | Challenge to CFPB 2025 medical-debt rule | Court vacated the rule and remanded it to CFPB; 2025 prohibitions not operative | Document 52, printed pp.30–34, zero indexes 29–33; Document 53, printed pp.1–2, zero indexes 0–1 |\n\nPrimary opinion URLs appear in the source register below. These are separate holdings, not nine votes for one general rule. Especially:\n\n- In Ewing/Webster, a reported dispute could constitute concrete reputational harm, but Ewing's collector retained its bona-fide-error defense, while Webster's collector could not rely on an unmonitored fax system as reasonable preventive procedures. Seventh Circuit Court of Appeals\n- In Chuluunbat, treating every ownership challenge as requiring a CRA to resolve contract law would overstate the CRA's role. Treating all assignment errors as legally uninvestigable would also overstate the holding. Seventh Circuit Court of Appeals\n- In the 2024 Frazier appeal, the rejection of the consumer's claim was a majority result. The contrary discussion in the separate Hamilton dissent is not controlling law. Seventh Circuit Court of Appeals\n- Purcell is especially relevant to Wisconsin because its preemption holding directly limits state-law reporting theories that might otherwise appear actionable under §427.104. Seventh Circuit Court of Appeals\n\n### Later-treatment and version limitations\n\nThe opinions were checked through current public official-host reproductions, and the current federal provisions were separately read. No later public decision identified during this investigation was found to expressly overrule these narrow controlling holdings. That is not a complete subsequent-history or citator certification. In particular, older state reporting merits cases must be tested against later federal preemption precedent and current statutory versions before using them to assert a viable cause of action.\n\n## 11. Hypothetical evidence and decision workflows\n\nAll examples are invented, with no individual or company data. Dates are relative unless a provision supplies a precise day-counting rule. The fact that a person can make a dispute is not a representation that its truth has been adjudicated.\n\n### Example 1 — Original creditor reports a balance the consumer disputes\n\nKnown: An original Wisconsin credit-card creditor reports $3,400. Its records show $3,100 in principal and $300 in assessed charges. The consumer asserts that $200 of the charges is unauthorized.\n\nMissing: Contract and fee authorization, complete payments/credits, whether the creditor received a sufficiently specific dispute, Wisconsin transaction coverage, and whether the data was furnished after dispute receipt.\n\nDecision flow: Wisconsin §427.104 can govern qualifying collection communication; federal §623(a) accuracy and disputed-status duties can govern furnishing. If a proper Regulation V direct dispute reaches the furnisher, its investigation clock applies. If the CRA refers the dispute, the independent §623(b) duties apply.\n\nNumerical branches: `3,100 + 300 = $3,400`. If investigation establishes $200 unauthorized, a corrected balance would be `$3,400 − $200 = $3,200`, assuming no further activity. If all charges are authorized and no payments are missing, the $3,400 balance might be accurate while the pending dispute status still needs appropriate treatment.\n\nFailure case: Neither an unsupported consumer assertion nor the existence of a valid $3,100 principal proves the full amount or reporting conduct lawful. C002–C003, C019–C024.\n\n### Example 2 — Third-party collector wants to report before contact\n\nKnown: A federally covered collection agency sends a qualifying letter about a debt on relative Day D.\n\nNo undeliverability: It monitors a reasonable period. The official Regulation F example recognizes 14 consecutive days after D. If no delivery-failure notice arrives during that period, the collector may satisfy §1006.30(a)'s pre-furnishing condition.\n\nDelivery failure on day 8: The collector cannot rely on that first mailing to furnish. It must complete another qualifying contact method and meet its conditions. A new letter creates a new monitoring window.\n\nAlternative: Actually speaking to the consumer in person or by telephone about the debt can satisfy the separate route.\n\nMissing: Collector federal status, actual delivery/log evidence, communication content and recipient, any statutory specialty-CRA exception, and other accuracy/dispute conditions.\n\nFailure case: Furnishing on Day D merely because a letter was generated is not enough. Waiting 14 days does not prove the balance accurate. C007, C009.\n\n### Example 3 — Late oral dispute outside the validation period\n\nKnown: The original federal validation period has expired. The consumer calls the covered collector and says an outstanding balance is wrong.\n\nResult: A late oral dispute ordinarily does not trigger the §1692g(b) written-dispute verification pause. But it can give the collector knowledge that the account is disputed, relevant to §1692e(8) if the collector later supplies credit information. Qualifying Wisconsin §427.104(1)(f) can independently matter.\n\nMissing: Exactly what the consumer said, whether the debt is reasonably disputed, actual reporting event, and actor coverage.\n\nFailure case: “The 30 days expired, so the collector can report it as undisputed forever” is not a valid general conclusion. Equally, “one oral late call forces deletion” is unsupported. C003, C010–C011.\n\n### Example 4 — CRA-mediated versus direct furnisher dispute\n\nKnown: A consumer believes a payment was omitted and sends the same ledger to either a CRA or a furnisher.\n\n| Route | First decision-maker | Investigation path | Private FCRA branch |\n| --- | --- | --- | --- |\n| CRA dispute | CRA | §611 reinvestigation; referral of relevant information to furnisher; §623(b) follows CRA notice | Potential §611 CRA or §623(b) furnisher claim, subject to merits and injury |\n| Qualified direct furnisher dispute | Furnisher | §1022.43 investigation and result | Generally regulatory §623(a)/Reg V duty; not §623(b) merely from direct submission |\n| Direct letter to wrong address or with insufficient details | Furnisher | May not trigger Reg V direct procedure as drafted | No automatic violation by absence of response under this route |\n\nMissing: CRA receipt, whether CRA actually referred, exact documents, direct-dispute address, and applicable exception.\n\nFailure case: An ordinary consumer letter is not evidence that a CRA gave §623(b) notice. C012–C025.\n\n### Example 5 — Thirty versus forty-five days, with new evidence\n\nLet D be the CRA's actual date of receipt of a qualifying dispute.\n\nBranch A: No relevant additional information\n\n- Base investigation period: 30 calendar days beginning on D.\n- Maximum §611 period on this branch: 30 days.\n- After completion, results generally due within five business days.\n\nBranch B: New material information during initial 30-day period\n\n- Base: 30 days.\n- Potential extension: up to 15 days.\n- Arithmetic ceiling: `30 + 15 = 45 calendar days`.\n- Extension unavailable if the CRA has already found the item inaccurate/incomplete or unverifiable within the initial period.\n\nBranch C: Additional material supplied after initial 30-day period\n\nThe late submission does not retroactively activate the §611(a)(1)(B) extension for an otherwise completed 30-day period.\n\nMissing: Receipt date, what information is genuinely relevant, when received, investigation finding, holidays for the separate business-day notices.\n\nFailure case: A purported 45-day automatic period for every dispute is incorrect. C013–C018.\n\n### Example 6 — Fully settled account still displays original unpaid balance\n\nKnown: A $4,800 account was settled under a hypothetical binding agreement for $2,100, paid in full, and the agreement discharged the remaining balance.\n\nArithmetic:\n\n- Earlier claimed debt: $4,800.\n- Settlement consideration actually paid: $2,100.\n- Reduction: `$4,800 − $2,100 = $2,700`.\n- Current outstanding amount after completed discharge: $0, assuming no other enforceable claim.\n\nAn account reported with a current $4,800 unpaid balance could be inaccurate. A historical original-balance field of $4,800, paired with a $0 current balance and an accurate settled/paid-for-less status, can tell a different and potentially accurate story.\n\nMissing: Actual settlement release, conditional installments, final posting, account ownership, field definitions, historic status, and creditor's reporting policies.\n\nFailure case: Correcting current balance to zero does not automatically remove accurately reported prior delinquency or charge-off. C026, C044, C046.\n\n### Example 7 — Paid medical collection\n\nKnown: A hypothetical $350 hospital-billing collection account has been fully paid.\n\nCurrent law: The vacated 2025 CFPB medical-debt rule supplies no operative universal deletion right. A nationwide CRA's currently published paid-medical-collection exclusion policy may exclude it, provided the item is actually classified within that program.\n\nMissing: Which CRA, whether it is a medical collection or a general credit-card debt, original reported balance, date and manner of payment, whether it is veteran medical debt, and applicable voluntary-policy version.\n\nFailure case: “It was a medical expense, therefore the current federal statute bans its reporting” is incorrect. A policy about three major nationwide CRAs is not automatically a statutory duty of all specialty CRAs. C030–C032.\n\n### Example 8 — New collector and an old charged-off account\n\nKnown: Hypothetical original delinquency D never cured; account later charged off, then sold twice, and a new collector starts furnishing.\n\nStatutory arithmetic:\n\nPotential exclusion age=180 days+7 years after D\\text{Potential exclusion age} =\n180\\text{ days} + 7\\text{ years after D}Potential exclusion age=180 days+7 years after DThe buyer's acquisition date and the new collector's first-report date do not replace D in that formula.\n\nMissing: Actual start of uninterrupted delinquency, any cure/redefault, original records, furnishing DOFD, statutory exception under §1681c(b), and whether CRA policy removes the item earlier.\n\nFailure case: A new collector reporting a new account cannot lawfully manufacture a new underlying delinquency date to extend the reporting life. The ordinary collection-lawsuit limitations period is not calculated from this FCRA reporting formula. C027–C029, C047.\n\n### Example 9 — Duplicate accounts and disputed ownership\n\nKnown: A consumer report shows the original creditor and a debt buyer, both apparently showing a collectible $2,000 balance for the same account. The consumer challenges ownership.\n\nFactual path: Verify account numbers, assignment dates, source ledgers, actual balance, whether the original creditor sold the receivable or retained collection rights, and whether both reports misleadingly imply two independent debts.\n\nLegal path: A complex contract or chain-of-assignment dispute that requires an adjudication may exceed what a CRA is required to determine from objective file data under Chuluunbat. But objectively wrong owner identity or duplicate unpaid balances cannot be dismissed as inherently uninvestigable merely by labeling them a legal issue.\n\nFailure case: Two tradelines are not automatically prohibited; two simultaneous inaccurate collectible balances may still be problematic. C043, C047, C050.\n\n### Example 10 — Claim of credit denial and damages\n\nKnown: A consumer alleges an inaccurate negative item caused denial of credit. A CRA reinvestigated; the denial letter cites both delinquency information and debt-to-income ratio.\n\nQuestions: Was there a concrete inaccuracy? Did the defendant receive the statutory notice triggering the alleged duty? Was the investigation unreasonable? Did a third party actually receive the information? Which factor caused the denial or other injury? Was the conduct negligent or willful?\n\nFederal amount branches:\n\n- Willful FCRA violation: potential statutory range `$100–$1,000` or proven actual damages under §1681n, with possible punitive damages and fees when legal conditions are satisfied.\n- Negligent FCRA violation: proven actual damages and applicable fees under §1681o.\n- §623(a)-only allegation: generally no ordinary private §1681n/o cause from that duty alone.\n- FDCPA individual case: up to `$1,000` additional statutory damages per action, not per letter; actual harm and defenses separate.\n\nFrazier v. Equifax illustrates why a denial alone does not establish CRA causation. TransUnion illustrates why a statutory violation alone does not establish Article III concrete harm.\n\nFailure case: No guaranteed award, automatic credit-score correction, or duplicate statutory payment. C033–C035, C044–C045.\n\n### Example 11 — Wisconsin statutory penalty arithmetic without assuming a claim survives\n\nKnown only for illustration: A qualifying transaction has a $160 finance charge.\n\n- Twice the finance charge: `2 × $160 = $320`.\n- Apply §425.304 minimum $100 and maximum $1,000: `$320`.\n- The separate actual-damages comparator under §425.304 might produce a different amount if established.\n\nBut §427.105 contains separate actual-damages language; the exact interaction must be resolved for the claim. More importantly, federal furnishing preemption, injury, limitations, and defendant status could bar a particular reporting claim before damages are reached.\n\nFailure case: The $320 calculation does not establish entitlement to $320. C005–C006, C033.\n\n### Example 12 — Credit freeze versus collection/reporting\n\nKnown: An individual places a qualifying federally mandated free freeze with a nationwide CRA.\n\nWhat a freeze principally does: Restricts prospective access to the consumer report as specified, including exceptions.\n\nWhat it does not automatically do: Delete existing accurate accounts, prevent all furnisher updates, cancel debt, stop collection calls, or bar every existing-account review.\n\nMissing: CRA type, federal/state exceptions, existing-account collection purposes, and which report user seeks access.\n\nFailure case: The older Wisconsin statutory $10 language cannot override federally mandated free nationwide security freezes. C036–C038.\n\n## 12. Source register — S_WI-P04-S001 onward\n\nAccess-date notation: Every row was accessed or attempted October 26, 2026, Pacific and UTC. No individual fetch time is asserted. `F` = freshly read on the identified public source; `O` = official original document read; `R` = reproduction/read-aid read but preferred official Wisconsin integrated text unavailable; `H` = historical or superseded; `V` = currently published voluntary policy, not law; `P` = PDF actual text and pertinent page images inspected; `L` = located only, or access incomplete. Repeated citations to one document do not create independent authorities.\n\n### Wisconsin and federal statutes/rules\n\n| ID | Issuer, title, full direct literal URL | Exact clause, version, and effective status | Access/limits |\n| --- | --- | --- | --- |\n| S_WI-P04-S001 | Wisconsin Legislature, Wis. Stat. §§421.201, 421.202, 421.301. `https://docs.legis.wisconsin.gov/statutes/statutes/421/ii/201` `https://docs.legis.wisconsin.gov/statutes/statutes/421/ii/202` `https://docs.legis.wisconsin.gov/statutes/statutes/421/iii/301` Access copies: `https://law.justia.com/codes/wisconsin/chapter-421/section-421-201/` `https://law.justia.com/codes/wisconsin/chapter-421/section-421-202/` `https://law.justia.com/codes/wisconsin/chapter-421/section-421-301/` | §421.201 territorial application; §421.202 exclusions; §421.301 customer, transaction and merchant definitions. 2025 statutory reproduction, effective-current provisions | R; official integrated pages failed/time-out. No full official-section read claimed |\n| S002 | Wisconsin Legislature, Wis. Stat. §§427.104, 427.105. `https://docs.legis.wisconsin.gov/statutes/statutes/427/104` `https://docs.legis.wisconsin.gov/statutes/statutes/427/105` Read-aids: `https://law.justia.com/codes/wisconsin/chapter-427/section-427-104/` `https://law.justia.com/codes/wisconsin/chapter-427/section-427-105/` | §427.104(1)(c),(e),(f), (2); §427.105(1). Current 2025 reproduction | R; official integrated read failed. Used only within ch. 427 scope |\n| S003 | Wisconsin DFI, Wis. Admin. Code DFI-Bkg 74.16. Official `https://docs.legis.wisconsin.gov/code/admin_code/dfi/dfi_bkg/74` Current rule reproduction: `https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-16` | Subsections (3), (6), (7): creditworthiness, privacy and disputed status. Current rule as reproduced | R; official integrated chapter failed. Licensee-rule predicates separate from ch. 427 |\n| S004 | Wisconsin Legislature, Wis. Stat. §§425.304 and 425.307. `https://docs.legis.wisconsin.gov/statutes/statutes/425/304` `https://docs.legis.wisconsin.gov/statutes/statutes/425/307` Access copies: `https://law.justia.com/codes/wisconsin/chapter-425/section-425-304/` `https://law.justia.com/codes/wisconsin/chapter-425/section-425-307/` | §425.304(1)–(2) penalty comparison; §425.307(1)–(2) time limits. Current 2025 reproduction | R, narrow remedy/limit gateway, not full Wisconsin-remedies pass |\n| S005 | Wisconsin Legislature, Wis. Stat. §100.54. `https://docs.legis.wisconsin.gov/statutes/statutes/100/54` Access copy: `https://law.justia.com/codes/wisconsin/chapter-100/section-100-54/` | §100.54 security-freeze provisions including exceptions and historic fee structure; 2025 reproduction | R; Wisconsin face-text fee must be reconciled against federal mandatory-freeze law |\n| S006 | Wisconsin Court of Appeals, Turner v. Gene Dencker Buick-Pontiac, Inc., 2001 WI App 28. `https://www.wicourts.gov/ca/opinion/DisplayDocument.pdf?content=pdf&seqNo=16274` | ¶¶23–27, especially ¶¶25–26; printed pp.12–14, zero-based PDF indexes 11–13; published 16-page majority opinion | O/P; historical Wisconsin merits holding, federal preemption separately evaluated |\n| S007 | Wisconsin DFI, credit-information and age guidance. `https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/HowLongDataReported.aspx` `https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/FairCreditReportingAct.aspx` | Public consumer guidance on adverse-information age and FCRA; current agency pages | F; explanatory, not independent authority overriding federal statute |\n| S008 | U.S. House Office of Law Revision Counsel, FCRA definitions and permissible purposes. `https://uscode.house.gov/us/usc/119-124/t15/s1681a/` `https://uscode.house.gov/us/usc/119-124/t15/s1681b/` | 15 U.S.C. §§1681a, 1681b(a), (a)(3)(A). Text through Pub. L. 119-124, Oct. 15, 2026 | O/F, current federal statute |\n| S009 | U.S. House OLRC, CRA accuracy and reinvestigation. `https://uscode.house.gov/us/usc/119-124/t15/s1681e/` `https://uscode.house.gov/us/usc/119-124/t15/s1681i/` | §§1681e(b); 1681i(a)(1)–(8), (b)–(d), (f), (g); current through Pub. L. 119-124 | O/F, including forwarding, extension, deletion, reinsertion and results |\n| S010 | U.S. House OLRC, duties of furnishers. `https://uscode.house.gov/us/usc/119-120/t15/s1681s-2/` | §1681s-2(a)(1)–(5), (7), (9), (b), (c), (d). Page compiled through Pub. L. 119-120, Oct. 7, 2026 | O/F; no later targeted amendment located, but this page's compilation date is not represented as Oct. 15 |\n| S011 | CFPB, Regulation V §1022.42. `https://www.consumerfinance.gov/rules-policy/regulations/1022/42/` | Reasonable accuracy/integrity policies and procedures; operative current CFPB regulation | O/F, relevant to furnishing system rather than an individual automatic production duty |\n| S012 | CFPB, Regulation V §1022.43. `https://www.consumerfinance.gov/rules-policy/regulations/1022/43/` | (a)–(g), including direct dispute covered subjects, exclusions, dispute addresses, content, investigation and frivolous procedure; official commentary | O/F, current |\n| S013 | CFPB, Regulation V Appendix E. `https://www.consumerfinance.gov/rules-policy/regulations/1022/e/` | Furnisher accuracy/integrity guidelines under §1022.42 | O/F, current; policy framework is not a universal production form |\n| S014 | U.S. House OLRC, FDCPA definitions, deceptive practices, validation, civil liability. `https://uscode.house.gov/us/usc/119-124/t15/s1692a/` `https://uscode.house.gov/us/usc/119-124/t15/s1692e/` `https://uscode.house.gov/us/usc/119-124/t15/s1692g/` `https://uscode.house.gov/us/usc/119-124/t15/s1692k/` | §§1692a(5)–(6), 1692e(8), 1692g(a)–(c), 1692k(a)–(d), current through Pub. L. 119-124 | O/F; only disputed-status, validation distinction and narrow remedies |\n| S015 | CFPB, Regulation F §1006.30. `https://www.consumerfinance.gov/rules-policy/regulations/1006/30/` | §1006.30(a)(1)–(2), official comments 30(a)(1)-1–3; §1006.30(b)(1)–(2) transfers/exceptions | O/F, current, including 14-consecutive-day interpretation and nondelivery examples |\n| S016 | U.S. House OLRC, FCRA age/obsolescence. `https://uscode.house.gov/us/usc/119-124/t15/s1681c/` | §1681c(a)(1)–(8), (b), (c)(1), (d), (f). Current through Pub. L. 119-124 | O/F, age categories, DOFD and medical/veteran provisions |\n| S017 | U.S. House OLRC, federal preemption and limited tort-action exception. `https://uscode.house.gov/us/usc/119-124/t15/s1681t/` `https://uscode.house.gov/us/usc/119-124/t15/s1681h/` | §§1681t(a), (b)(1)(E), (F), (J); 1681h(e). Current through Pub. L. 119-124 | O/F, precise subject-matter exclusions control |\n| S018 | U.S. House OLRC, private FCRA claims and limitations. `https://uscode.house.gov/us/usc/119-120/t15/s1681n/` `https://uscode.house.gov/us/usc/119-120/t15/s1681o/` `https://uscode.house.gov/us/usc/119-120/t15/s1681p/` | Willful remedies §1681n; negligent §1681o; limitations §1681p. Compiled through Pub. L. 119-120 | O/F, narrow limits; no current later amendment found in targeted check |\n| S019 | U.S. House OLRC, file access/free disclosures. `https://uscode.house.gov/us/usc/119-124/t15/s1681g/` `https://uscode.house.gov/us/usc/119-124/t15/s1681j/` | §§1681g(a), (f); 1681j(a), (c). Current through Pub. L. 119-124 | O/F, annual statutory free reports and conditional additional disclosures |\n| S020 | U.S. House OLRC, fraud alerts/security freezes. `https://uscode.house.gov/us/usc/119-124/t15/s1681c-1/` | §1681c-1(i) federal no-charge freeze, (j) exceptions; fraud alert background | O/F, identity-theft protocol excluded beyond necessary branch |\n| S021 | CFPB, Regulation V medical-information rules. `https://www.consumerfinance.gov/rules-policy/regulations/1022/30/` | Existing §1022.30 credit eligibility/use restrictions, remaining operative provisions | O/F, not the vacated 2025 text |\n| S022 | CFPB, current FCRA compliance resources and medical rule status. `https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/fair-credit-reporting-act/` | Site notice acknowledging July 11, 2025 vacatur; current public status page | O/F, explicitly distinguishes vacated materials |\n| S023 | U.S. District Court, E.D. Texas, Cornerstone Credit Union League v. CFPB, Document 52, hosted original docket image. `https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.52.0_1.pdf` | Filed July 11, 2025; 34-page opinion, printed pp.30–34, zero PDF indexes 29–33; analysis and vacatur | P/F; original court-docket document mirrored by CourtListener, not represented as an official judiciary-host URL |\n| S024 | U.S. District Court, same case, Document 53 judgment. `https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.53.0.pdf` | Signed July 11, 2025; printed pp.1–2, zero indexes 0–1; operative vacatur and remand | P/F, original docket-document mirror |\n| S025 | CFPB, 2025 preemption interpretation, Federal Register. `https://www.govinfo.gov/content/pkg/FR-2025-10-28/pdf/2025-19671.pdf` | 90 Fed. Reg. 48710–48715, Oct. 28, 2025; replaces withdrawn 2022 interpretation, interpretive status | O/P, six pages, zero indexes 0–5; interpretive guidance not statute/judgment |\n\n### Public policies, forms, enforcement routes, and decisions\n\n| ID | Issuer, title, full literal direct URL | Pinpoint/version/status | Access/limits |\n| --- | --- | --- | --- |\n| S026 | TransUnion, medical collection-reporting policy and collection aging guidance. `https://www.transunion.com/blog/credit-advice/how-long-do-collections-stay-on-your-credit-report` | Publisher discussion of medical paid/small-balance/waiting exclusions; current accessible page | V/F; voluntary nationwide-CRA practice, not enacted law or every product |\n| S027 | Experian, paid collections and medical collection policy. `https://www.experian.com/blogs/ask-experian/how-do-i-get-a-paid-collection-off-my-credit-report/` | Current 2026 consumer-publication version; paid medical exception to general paid-collection treatment | V/F; publisher policy, not law |\n| S028 | FTC, disputing errors and getting free credit reports. `https://consumer.ftc.gov/articles/disputing-errors-your-credit-reports` `https://consumer.ftc.gov/articles/free-credit-reports` | Current public instructions, weekly voluntary nationwide CRA availability and statutory annual entitlement | O/F, guidance and policy distinguished from statute |\n| S029 | CFPB, consumer guide to credit-report errors. `https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/` | CRA/furnisher dispute guidance and sample-letter links; current | O/F, examples not mandatory legal form |\n| S030 | CFPB, Regulation V Appendix B, model negative-information notice. `https://www.consumerfinance.gov/rules-policy/regulations/1022/b/` | Model notice for §623(a)(7) | O/F, illustrative model for financial-institution notice, not universal dispute letter |\n| S031 | Wisconsin DFI, Bureau of Consumer Affairs, BCA500 complaint form. `https://dfi.wi.gov/Documents/ConsumerServices/WisconsinConsumerAct/Forms/BCA500.pdf` | Revised January 2023; printed pp.1–2 / zero PDF indexes 0–1; categories include credit-report disputes; disclosure/privacy and consent statements | O/P/F, full two-page PDF text read, p.1 image inspected. Public complaint form, not collection agency authorization |\n| S032 | Wisconsin DFI, WCA complaint route. `https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/FileAComplaint.aspx` | Current public program and referral procedure | O/F, jurisdictional and outcome limits |\n| S033 | CFPB, consumer complaint portal description. `https://www.consumerfinance.gov/complaint/` | Current credit-reporting complaint intake route, sequencing instructions | O/F, no submission made or promised |\n| S034 | Wisconsin DATCP, consumer complaint options. `https://datcp.wi.gov/Pages/Programs_Services/FileConsumerComplaint.aspx` | Current general consumer-protection intake | O/F, jurisdiction not independently verified for every FCRA claim |\n| S035 | Seventh Circuit, Purcell v. Bank of America, 659 F.3d 622 (2011). `https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2011/D10-03/C:10-3975:J:Easterbrook:aut:T:fnOp:N:782523:S:0&Submit=Display` | Published eight-page opinion, printed pp.3–7, zero PDF indexes 2–6 | O/P/F; Wisconsin-relevant preemption ruling |\n| S036 | Seventh Circuit, Ewing v. MED-1 Solutions / Webster v. Receivables Performance Management, 2022 consolidated opinion. `https://media.ca7.uscourts.gov/cgi-bin/OpinionsWeb/processWebInputExternal.pl?Path=Y2022/D02-02/C:21-1276:J:St__Eve:aut:T:fnOp:N:2828194:S:0&Submit=Display` | Published 16-page opinion; pp.2–5, 8–16; zero indexes 1–4, 7–15 | O/P/F, distinct affirmance and reversal explained |\n| S037 | Seventh Circuit, Westra v. Credit Control of Pinellas, 409 F.3d 825 (2005). `https://media.ca7.uscourts.gov/cgi-bin/OpinionsWeb/processWebInputExternal.pl?Path=Y2005/D05-27/C:04-3139:J:_:aut:T:op:N:0:S:0&Submit=Display` | Published four-page opinion, printed pp.2–4, zero indexes 1–3 | O/P/F, limited-information furnisher inquiry |\n| S038 | Seventh Circuit, Chuluunbat v. Experian Information Solutions, 4 F.4th 562 (2021). `https://media.ca7.uscourts.gov/cgi-bin/OpinionsWeb/processWebInputExternal.pl?Path=Y2021/D07-15/C:20-2775:J:Brennan:aut:T:fnOp:N:2734006:S:0&Submit=Display` | Published 14-page opinion, printed pp.6–13, zero indexes 5–12 | O/P/F, complex legal validity versus factual error |\n| S039 | Seventh Circuit, Frazier v. Dovenmuehle Mortgage, Inc., 72 F.4th 769 (2023). `https://media.ca7.uscourts.gov/cgi-bin/OpinionsWeb/processWebInputExternal.pl?Path=Y2023/D07-05/C:22-2570:J:Brennan:aut:T:fnOp:N:3070777:S:0&Submit=Display` | Published 12-page opinion, printed pp.5–11, zero indexes 4–10 | O/P/F, settlement reporting context; mortgage sector not otherwise covered |\n| S040 | Seventh Circuit, Frazier v. Equifax Information Services LLC, 2024 opinion. `https://media.ca7.uscourts.gov/cgi-bin/OpinionsWeb/processWebInputExternal.pl?Path=Y2024/D08-07/C:23-2355:J:Brennan:aut:T:fnOp:N:3246138:S:0&Submit=Display` | Published 30-page opinion, majority printed pp.1–14 / zero 0–13; dissent printed pp.15–30 / zero 14–29 | O/P/F, no dissent adopted |\n| S041 | U.S. Supreme Court, TransUnion LLC v. Ramirez, 594 U.S. 413 (2021). `https://www.supremecourt.gov/opinions/20pdf/20-297_4g25.pdf` | Official 53-page PDF, majority opinion begins zero index 4 after four-page syllabus; printed majority opinion pp.1–4 correspond zero 4–7 | O/P/F, claim-specific constitutional standing |\n| S042 | Wisconsin Legislature, 2025 Wisconsin Act 105, general WCA future threshold. `https://docs.legis.wisconsin.gov/document/acts/2025/105%2C1` `https://docs.legis.wisconsin.gov/document/acts/2025/105%2C2` | §421.202(6) general $25,000 to $50,000 threshold effective January 1, 2027 | O locator/partial; current 2026 amount not replaced early. Included solely for WCA applicability boundary |\n\nStatus reconciliation: Federal OLRC pages have two explicitly different compilation dates in this register; the FCRA remedies and furnishing pages above were accessed at their `/119-120/` versions while most others showed `/119-124/`. This does not establish that every page is contemporaneously consolidated to the same public law. No relevant intervening enacted change was located in the targeted checks, but that unresolved version discrepancy must be retested in a subsequent currentness pass.\n\nThe original Wisconsin Legislature's integrated statute/code fetching limitation likewise remains real. Wisconsin reproductions are text read-aids, not falsely labeled successful official integrated downloads.\n\n## 13. Consumer access, official instructions, and evidentiary records\n\n### Access to reports\n\nUnder FCRA §§1681g and 1681j, a consumer can obtain disclosure of information in a CRA's file, subject to the statute's identification and disclosure provisions. The baseline right includes a free disclosure from each nationwide CRA once in a 12-month period, with additional free rights under specified circumstances.\n\nThe three nationwide CRAs currently make free reports available weekly through [AnnualCreditReport.com](https://www.annualcreditreport.com?utm_source=chatgpt.com). The weekly schedule is a publisher-supported availability policy, broader than the basic annual statutory frequency; it should not be described as an amendment making all specialty CRA files freely available weekly. USCode+2\n\nSection 1681g also addresses sources of information and specified report recipients. A consumer's right to access a CRA file does not automatically compel the CRA to produce a creditor's entire accounting ledger, every internal scoring calculation, or all evidence potentially required in a later lawsuit.\n\n### Security freezes\n\nFederal §1681c-1(i) requires nationwide CRAs to provide qualifying security freezes and removals without charge. Wisconsin §100.54 also regulates freezes, with specified access exceptions. The older state provision's facial fee language cannot be treated as authorizing a charge that the applicable federal rule prohibits.\n\nA freeze does not delete accurate negative history, alter a DOFD, terminate a credit obligation, or itself prevent every existing-account collection-related permissible use. Fraud-alert and identity-theft-block procedures remain separate future investigations. C036–C038.\n\n### Official forms and instructions\n\n| Document or public route | Issuer and actual material read | Legal purpose | Status/limitation |\n| --- | --- | --- | --- |\n| FTC, Disputing Errors on Your Credit Reports — S028 | Instructions on CRA/furnisher dispute, supporting documents, and follow-up | Explains practical statutory routes | Guide, not required form or legal determination |\n| CFPB, How do I dispute an error on my credit report? — S029 | Consumer instructions and sample-letter links | Explains dispute pathways | Sample language is optional; linked samples not all individually opened |\n| CFPB, Regulation V Appendix B — S030 | Model notice concerning negative information supplied by a financial institution | Supports §623(a)(7) notice | Not a required universal dispute letter |\n| Wisconsin DFI BCA500 — S031 | Revised January 2023; both pages of text read, first page visually inspected; expressly includes “Credit Report Dispute / Issue” | Voluntary DFI complaint intake | Public-record/consent warnings important; not a CRA reinvestigation |\n| Wisconsin DFI complaint route — S032 | WCA complaint program and instructions | State intake/supervisory avenue | No guaranteed personal monetary relief or lawsuit tolling |\n| CFPB complaint page — S033 | Federal complaint intake, including credit-reporting matter and applicable preliminary dispute guidance | Public supervisory/referral procedure | Does not replace §611 or promise a particular investigation outcome |\n| Wisconsin DATCP complaint route — S034 | General consumer-protection complaint options | Possible alternative/referral avenue | Exact jurisdiction and result depend on underlying conduct |\n| FCRA §611 procedure description — S009 | CRA must provide verification-method description within 15 days after qualifying consumer request | Statutory CRA information right | Not automatic access to every furnisher document |\n| FCRA §611 dispute statement — S009 | Optional brief statement if dispute unresolved | Affects later consumer-report presentation | Not proof of the consumer's legal position |\n\nThe DFI form expressly warns that information may be shared with agencies or the complained-of business and may be subject to public-records requirements. It was not completed or submitted. Department of Financial Institutions\n\n### Evidence to retain versus legally mandatory records\n\n| Evidence | Most relevant dispute/use | What law requires | What is not automatically required |\n| --- | --- | --- | --- |\n| Full consumer report showing entry and date | Identify exact CRA item and alleged misinformation | CRA file disclosures and reinvestigation duties | CRA production of lender's entire internal file |\n| Report source/furnisher identity | Which actor owns investigation/reporting role | §1681g source disclosure and statutory notices | A consumer can infer ownership solely from a tradeline name |\n| CRA dispute and submission evidence | Start §611 investigation and establish §623(b) referral chain | CRA records and notice duties under §611 | Private §623(b) claim simply from mailing consumer letter |\n| Actual CRA-to-furnisher notification | §623(b) predicate | CRA forwarding of all relevant available information | Consumer necessarily possesses CRA's internal notice log |\n| Furnisher direct dispute and designated address | §1022.43 applicability | Properly submitted information and furnisher investigation | Every informal call activates all direct-dispute rights |\n| Original agreement and fee terms | Determine disputed balance/interest | Furnisher must reasonably investigate actual relevant materials | Automatic prelitigation furnishing of every original instrument under FCRA |\n| Payment/credit ledger | Determine current balance and omitted credits | Accurate and complete reporting, reasonable investigation | Universal identical itemized form |\n| Settlement agreement, payment proof and release | Distinguish accepted offer, partial installments, and completed satisfaction | Current reporting must not misrepresent resulting balance/status | Settlement automatically erases prior delinquency |\n| DOFD and historical payment history | Obsolescence/re-aging | §623(a)(5) reporting of qualifying month/year | New buyer allowed to use new sale date |\n| Assignment and servicing records | Factual creditor/ownership error | Reasonable investigation as applicable | CRA required to decide every complex assignment-law controversy |\n| Dispute/status communication history | FDCPA/Wisconsin dispute notation | Appropriate disputed-status communication when legal conditions exist | All consumer claims automatically deemed proven |\n| Medical bill classification/payment evidence | Determine voluntary medical policy and federal protections | Specific federal medical duties where triggered | Universal ban from vacated rule |\n| Actual adverse-action correspondence | Causation and harm | Relevant user/CRA statutory duties where applicable | Denial automatically caused by one disputed account |\n| Bankruptcy order/discharge records | Separate reporting from discharge | Applicable FCRA accuracy and age requirements | Bankruptcy deletion of all historic accounts |\n\nBounded evidence principle: Documents that are helpful to investigate a report, documents a furnisher must retain to follow reasonable accuracy procedures, documents a CRA must disclose, and evidence needed for a court case are not interchangeable categories.\n\n## 14. Claim register — S_WI-P04-C001 onward\n\nEvery row is a distinct claim, with a supporting source document, an exact operative clause or judicial passage, and conditions. A confidence rating concerns the stated proposition, not a specific consumer's chance of recovering money or obtaining deletion.\n\n| Claim ID | Precise assertion | Sources and pinpoints | Applicability, exceptions, currentness and confidence |\n| --- | --- | --- | --- |\n| S_WI-P04-C001 | Wisconsin ch. 427 coverage depends on qualifying deferred-payment consumer/agricultural transaction and territorial facts. | S001 §§421.201, .202, .301; S002 §427.104 | Original creditor can be covered; not all business accounts. High, reproduced state text |\n| C002 | Knowingly or negligently false adverse-creditworthiness disclosures are prohibited for covered Wisconsin collection actors. | S002 §427.104(1)(c); S003 §74.16(3) | Knowledge or reason-to-know, actor and debt predicates. High |\n| C003 | Known reasonably disputed debt cannot be disclosed without disputed status under the applicable Wisconsin rules. | S002 §427.104(1)(f); S003 §74.16(7); S006 ¶¶23–27 | State collection disclosure, not automatic validation pause. High |\n| C004 | Licensed-agency rule and ch. 427 have separate actor/transaction coverage. | S001–S003 | Commercial licensee conduct possible without WCA consumer status. High |\n| C005 | Wisconsin §427.105 can allow an injured person actual damages, including qualifying mental anguish, and applicable penalty subject to distinct legal conditions. | S002 §427.105(1); S004 §425.304 | Not an automatic award; statutory interactions and preemption matter. High statute; case application held |\n| C006 | Federal subject-specific furnishing preemption can bar a Wisconsin claim independently of its state-law merits. | S017 §1681t(b)(1)(F), §1681h(e); S035 pp.3–7 | Purcell rejects categorical malice workaround. High |\n| C007 | Federal FCRA actor/report-purpose coverage is distinct from Wisconsin ch. 427 and FDCPA actor/debt coverage. | S008 §§1681a, b; S014 §1692a; S001 | Report consumer, CRA, furnisher, user and collection actor require separate tests. High |\n| C008 | §1681b requires permissible report purposes, including qualifying account review/collection, but not unrestricted access. | S008 §1681b(a)(3)(A) | User purpose and consumer relationship needed. High |\n| C009 | Covered Reg F collector must contact consumer about debt by phone/in person or send letter/electronic message and monitor reasonable undeliverability period before furnishing. | S015 §1006.30(a)(1)–(2), comments 1–3 | 14 consecutive days is documented reasonable period; specialty check-writing CRA exception. High |\n| C010 | FDCPA §1692e(8) prohibits communicating known/should-known false credit information, including omitted disputed status. | S014 §1692e(8); S036 pp.2–5, 8–16 | Federal covered collector/debt required; oral/late notice can matter. High |\n| C011 | FDCPA disputed-status rule is separate from §1692g timely written validation/pause. | S014 §§1692e(8), 1692g(a)–(c) | No universal pause from every late/oral dispute. High |\n| C012 | CRA §611 and furnisher §623(a), §623(b), and Regulation V are distinct legal routes. | S009 §1681i; S010 §1681s-2; S012 §1022.43 | Consumer-to-furnisher notice does not itself trigger §623(b). High |\n| C013 | CRA must reasonably reinvestigate qualifying consumer-disputed file items without charge subject to statutory exceptions. | S009 §1681i(a)(1),(3)–(5) | Qualified dispute/CRA/file and frivolous rules. High |\n| C014 | CRA 30-day period may extend up to 15 days only on statutory additional-relevant-information facts. | S009 §1681i(a)(1)(A)–(C) | No extension after specified early adverse/unverifiable determinations. High |\n| C015 | CRA forwards relevant dispute information within five business days, later information promptly. | S009 §1681i(a)(2)(A)–(B) | Trigger is CRA receipt. High |\n| C016 | CRA frivolous/irrelevant determination requires reasoned notice within five business days after determination. | S009 §1681i(a)(3) | Missing-info guidance required. High |\n| C017 | CRA results notice, consumer statement, procedure-description and earlier-recipient notification are conditional statutory rights. | S009 §1681i(a)(6)–(8), (b)–(d) | Distinct five-business-day and 15-day periods and recipient lookbacks. High |\n| C018 | Deleted information can be reinserted only under accuracy/completeness certification and statutory notice/anti-reappearance requirements. | S009 §1681i(a)(5)(B)–(C) | Five-business-day reinsertion notice, not unconditional permanent deletion. High |\n| C019 | §623(a) imposes accuracy, correction, dispute indication and other initial furnisher duties. | S010 §1681s-2(a)(1)–(4) | Reasonable-cause/knowledge standards; not mere unsupported allegation. High |\n| C020 | §623(b) furnisher investigation/modify-delete-block responsibilities follow statutory CRA notice. | S010 §1681s-2(b)(1)–(2); S009 §1681i(a)(2) | Completion coordinated with CRA period. High |\n| C021 | Reg V direct dispute applies to covered liability, terms, payment-performance and relationship-creditworthiness information. | S012 §1022.43(a),(d)–(e) | Qualified furnisher/consumer dispute. High |\n| C022 | Reg V excludes several direct-dispute subjects and specified credit-repair-origin disputes. | S012 §1022.43(b) | CRA dispute route may remain available. High |\n| C023 | A direct dispute requires qualifying address, enough identifying information, reason and supporting information. | S012 §1022.43(c)–(d) | Exact designated-address facts control. High |\n| C024 | Reg V investigation/results follow §611-type timing; frivolous response has separate five-business-day post-determination clock. | S012 §1022.43(e)–(f); S009 §1681i(a)(1) | No absolute “30 days to delete” rule. High |\n| C025 | Individual damages under §§1681n/o do not ordinarily lie solely for §623(a)/RegV direct-dispute breach. | S010 §1681s-2(c)–(d); S018 | §623(b) or different independent actionable duty may arise. High |\n| C026 | Accurately completed settlement may leave historical derogatory information but requires nonmisleading current balance/status. | S009 §1681e(b); S010 §1681s-2(a),(b); S039 | Fact- and field-specific; no universal pay-for-delete entitlement. High principle, application factual |\n| C027 | Furnisher must report qualifying first-delinquency month/year within 90 days of first furnishing for collection/charge-off account. | S010 §1681s-2(a)(5) | DOFD tied to preceding delinquency, not sale/reporting date. High |\n| C028 | §1681c gives category-specific reporting ages including seven years after 180-day DOFD interval for collections/chargeoffs. | S016 §1681c(a),(b),(c) | §1681c(b) high-value exceptions; not litigation limitation. High |\n| C029 | Bankruptcy, judgment, tax-lien and older adverse reporting age differ by category; some CRA omissions are voluntary. | S016 §1681c(a)(1)–(5), (b); S007 | No actual public-record or judgment-law investigation. High federal text |\n| C030 | January 2025 CFPB medical-debt rule was vacated July 11, 2025 and is not an operative blanket ban. | S022–S024, Document 52 pp.30–34, Document 53 pp.1–2 | District judgment and CFPB current status; appellate subsequent history not commercially citator-certified. High current status |\n| C031 | Existing federal medical-provider identification, medical-use and veteran-specific protections remain separate. | S016 §1681c(a)(6)–(8); S009 §1681i(g); S021 §1022.30 | Statutory classification and actual-knowledge predicates. High |\n| C032 | Three nationwide CRA publishers describe voluntary medical-reporting exclusions not automatically binding every CRA. | S026–S027, S028, CFPB medical FAQ | Exact $500 equality and account classification held. Medium-high for publisher statement |\n| C033 | §1681t and §1681h(e) require separate analyses of state statutory, common-law and subject-matter overlap. | S017 §§1681t(a),(b)(1)(E),(F), 1681h(e); S035; S025 | 2025 CFPB interpretation not binding merits judgment. High |\n| C034 | FCRA willful and negligent remedies, limitations and exceptions differ; §623(a) private pathway restricted. | S010(c),(d); S018 §§1681n,o,p | Willful $100–$1,000 option, negligent actual; no per-letter automatic amount. High |\n| C035 | Actual concrete injury, attribution and causation matter; internal-only data is not automatically federal standing. | S041; S036; S040 | Case-specific; neither automatic standing nor categorical absence. High |\n| C036 | §1681g/j provides CRA file-access and annual free-report rights; nationwide weekly access is currently broader voluntary policy. | S019; S028 | Not automatically weekly specialty CRA access. High |\n| C037 | Federal no-charge nationwide security freeze supersedes conflicting Wisconsin charge implication. | S020 §1681c-1(i); S005 §100.54 | Other eligibility and access exceptions must be assessed. High |\n| C038 | DFI, CFPB and FTC complaint and guidance documents provide routes but not guaranteed relief or automatic tolling. | S028–S034 | Actual jurisdiction and procedural sequencing matter. High |\n| C039 | Turner treats successive unflagged reports of known reasonable dispute as independently problematic under Wisconsin merits law. | S006 ¶¶23–27 | Preemption not resolved by Turner. High |\n| C040 | Purcell holds broad preemption of state common-law furnishing theories within §1681t(b)(1)(F). | S035 printed pp.3–7; S017 | Does not automatically preempt every independent collection behavior. High |\n| C041 | Ewing/Webster distinguishes transmitted reputational injury and adequate versus inadequate bona-fide-error procedures. | S036 printed pp.2–5, 8–16 | Ewing affirmed; Webster reversed/remanded. High |\n| C042 | Westra allows investigation proportionate to limited CRA referral on its facts. | S037 printed pp.2–4 | Cannot excuse ignoring richer evidence. High |\n| C043 | Chuluunbat differentiates complex legal validity issues from objectively verifiable reporting error. | S038 printed pp.6–13 | CRA need not decide every contract issue; not categorical “legal dispute” rejection. High |\n| C044 | Frazier furnisher and CRA decisions apply context-based accuracy/materiality and actual causation analyses. | S039 printed pp.5–11; S040 majority pp.1–14 | Mortgage fact pattern only; 2024 dissent not holding. High |\n| C045 | TransUnion requires concrete, claim-specific Article III injury; dissemination versus internal record distinction matters. | S041 majority opinion beginning zero PDF index 4 | Individual case and claim differ. High |\n| C046 | Settlement, chargeoff, correction or payment does not itself promise deletion or any quantified score gain. | S009 §1681e(b); S010(a); S016; S039 | Accurate historical negative information may persist. High |\n| C047 | Sale, reassignment, or collection placement does not itself reset DOFD or justify misleading simultaneous balances. | S010(a)(5); S016(c); S038 | True ownership and roles determine outcome. High |\n| C048 | Public-record and bankruptcy reporting, underlying personal liability, and court enforceability must be separated. | S016 §1681c(a),(d); S010; S009 | Full bankruptcy/judgment/limitations law excluded. High boundary |\n| C049 | Wisconsin WCA threshold and scope cannot simply be projected onto federal FCRA or all medical/commercial accounts. | S001; S042; S008; S014 | Jan. 1, 2027 WCA change future-effective. High narrow |\n| C050 | CRA dispute/reporting correction does not by itself cancel an obligation, compel a litigation stay, or stop all collection. | S009 §1681i; S010 §1681s-2; S014 §1692g; S015 §1006.30 | Independent legal rules might apply but require their own predicates. High |\n| C051 | CFPB's October 2025 broad-preemption interpretation withdrew an earlier narrower interpretation; agency guidance remains distinct from court/Act. | S025, 90 Fed. Reg. 48710–48715 | Interpretive status, actual date Oct. 28, 2025. High |\n\nThis claim register covers material permission, timing, reporting, remedies and preemption conclusions. Citations are to the same document IDs used in the source register, rather than assigning invented new authorities to each subsection.\n\n## 15. Complete PASS-04 coverage and gap matrix\n\nStatus meanings: Answered means the cited authority supports a bounded conclusion; Partial means only specific branches are established; Unresolved means a material legal or factual answer was not verified; Excluded means deliberately reserved for a separate pass.\n\n| Assigned issue or subquestion | Status | Claims | Missing evidence and exact next investigation |\n| --- | --- | --- | --- |\n| 1. FCRA individual/CRA/furnisher/report-user definitions | Answered | C007–C008 | Apply actual account, recipient and purpose facts only in an authorized later case |\n| 1. Original creditor vs federal debt collector | Answered at gateway | C001, C007, C010–C011 | False-name, servicer and principal-purpose facts when material |\n| 1. Debt buyer vs assignee vs servicer | Partial | C007, C020, C043, C047 | Assignment/control records and actor-specific reports; do not import PASS-02 conclusion |\n| 1. Consumer/guarantor/joint debtor vs commercial debt | Partial | C001, C007, C049 | Actual purpose/guaranty and organization definitions; business debts excluded from general consumer conclusion |\n| 1. Wisconsin sufficient nexus | Partial | C001, C004 | Transaction formation/communication locations and §421.201 application |\n| 1. First mortgage/secured/business exclusions | Partial/excluded | C049 | Later mortgage, UCC/secured, and business-sector passes |\n| 2. Wisconsin false-creditworthiness conduct | Answered | C002 | Actor knowledge and particular inaccurate statement require facts |\n| 2. Known reasonable-dispute disclosure | Answered | C003, C039 | Communication, reasonable dispute and knowledge evidence |\n| 2. Original-creditor WCA coverage | Answered conditionally | C001–C004 | Actual Wisconsin Consumer Act transaction predicates |\n| 2. Wisconsin private injury/penalty/limitations | Partial | C005–C006, C033–C034 | Full state remedies, preemption, §427.105/§425.304 stacking, qualifying standing/cure |\n| 3. Reg F debt parking | Answered | C009 | Actual covered collector, communication, nondelivery log, specialty-CRA exception |\n| 3. Reg F paid/settled/discharged debt transfers | Answered conditionally | C009, C026, C050 | Exceptions and transfer contracts where actual facts arise |\n| 3. §1692e(8) reporting of disputes | Answered | C010–C011, C041 | Specific reporting and knowledge proof |\n| 3. Late/oral dispute vs validation period | Answered | C011 | Full validation procedure remains PASS-03 unreviewed |\n| 4. CRA §611 reinvestigation | Answered | C012–C018 | Actual notification/response quality in any individual matter |\n| 4. Furnisher §623(a) accuracy/correction | Answered | C019, C025, C027 | Actual data source, reasonable cause, and disputed status |\n| 4. Furnisher §623(b) after CRA referral | Answered | C012, C020 | Evidence of actual CRA referral and supplied information |\n| 4. Direct dispute under §1022.43 | Answered | C021–C025 | Designated address, disputed subject, sufficient particulars |\n| 4. Frivolous/repeated dispute exception | Answered conditionally | C016, C022–C024 | Actual reasons and previous information |\n| 5. CRA 30/45-day distinction | Answered | C013–C014 | Exact receipt dates and qualifying new evidence |\n| 5. CRA forwarding and results | Answered | C015–C018 | Actual business-day/holiday and receipt facts |\n| 5. Furnisher direct and referred timelines | Answered | C020, C024 | Actual start/referral events |\n| 5. Reporting first delinquency within 90 days | Answered | C027 | Actual qualifying first furnishing and DOFD |\n| 5. FDCPA validation versus CRA dispute periods | Answered at necessary crossover | C011, C050 | Full validation analysis retained separately |\n| 5. Wisconsin state-only dispute clocks | Answered as no new credit-report-specific clock established | C003, C039 | Subsequent state amendment or narrower sector regulation if identified |\n| 6. Correct/modify/delete/unverifiable outcomes | Answered | C013, C018–C020 | Actual investigation findings |\n| 6. Pending-dispute notation | Answered conditionally | C003, C010, C019 | Actor's knowledge, CRA notices, actual status |\n| 6. Reinsertion and certification | Answered | C018 | Actual certification and notice |\n| 6. Identity, balance, wrong-owner and duplicate entries | Partial | C019–C020, C042–C043, C047 | Record identifiers, assignment, ledger, factual versus judicial issues |\n| 6. Discharged/settled account investigations | Partial | C026, C044, C048 | Agreement/order terms and account ledger |\n| 7. Paid/settled/paid-for-less reporting | Answered principle; factual application held | C026, C044, C046 | Release, completion, current versus historical fields |\n| 7. Charge-off vs forgiveness | Answered | C026, C046 | Underlying contract/ownership excluded |\n| 7. Ownership transfer vs original tradeline | Partial | C047 | No absolute deletion rule; field-specific reporting and owners |\n| 7. Pay-for-delete | Unresolved as any particular entitlement | C026, C046 | Actual creditor agreement/CRA policy; no statutory universal entitlement established |\n| 7. Date of first delinquency/re-aging | Answered | C027–C029, C047 | Original source records and statutory date exceptions |\n| 8. Civil judgment/bankruptcy/tax-lien ages | Answered federal categories | C028–C029, C048 | CRA voluntary policy and actual court records deliberately not checked |\n| 8. Wisconsin judgment enforceability | Excluded | C048 | Separate litigation and limitations pass |\n| 8. Bankruptcy discharge vs credit balance | Partial | C048 | Order, personal versus in rem effects, sector-specific bankruptcy reporting |\n| 9. 2025 medical rule status | Answered | C030 | Continue verifying any appellate or later rulemaking status in future legal-currentness pass |\n| 9. Surviving medical restrictions | Answered conditionally | C031 | Specific medical provider, use, veteran/VA facts |\n| 9. Voluntary paid/small/waiting medical policies | Partial | C032 | CRA-specific current publisher wording, $500 equality and amount classification |\n| 9. Wisconsin medical-charity-care and sector protections | Excluded | C031–C032 | Separate Wisconsin medical debt investigation |\n| 10. §1681t/§1681h(e) preemption | Answered at statutory/case level | C006, C033, C040, C051 | Specific Wisconsin cause-of-action mapping and later public citator |\n| 10. Willful/negligent FCRA damages | Answered conditionally | C034–C035 | Case injury/causation; no automatic recovery |\n| 10. FDCPA damages and bona fide error | Answered conditionally | C010, C034–C035, C041 | Actual communication and procedures |\n| 10. State WCA penalty/limitation/cure and overlap | Partial | C005–C006, C033–C034 | Complete separate Wisconsin remedies and case-specific preemption analysis |\n| 10. Public complaint tolling/private relief | Answered negatively as no automatic effect | C038 | Applicable actual order or tolling statute if later asserted |\n| 11. Statutory free annual file disclosure | Answered | C036 | CRA-specific additional entitlement |\n| 11. Voluntary weekly nationwide reports | Answered publisher guidance | C036 | Publisher-policy currentness for future periods |\n| 11. Security freeze | Answered at necessary boundary | C037 | Identity-theft alerts/blocks and full freeze operations excluded |\n| 11. Report file vs internal lender ledger access | Answered at necessary boundary | C036, C050 | Other account-document laws and unsupplied contracts separate |\n| 12. DFI complaint program/form | Answered operationally | C038 | No form submitted; authority/result not inferred |\n| 12. CFPB/FTC forms/guidance | Answered operationally | C038 | Any unread linked model letters remain examples, not verified mandatory texts |\n| 12. Current model credit notice | Answered | C019, C038 | Appendix B model not universal form |\n| 13. Wisconsin Turner | Answered | C039 | Later federal preemption must be applied separately |\n| 13. Seventh Circuit preemption Purcell | Answered | C040 | Future fact-specific cause and statutory-subject analysis |\n| 13. Westra, Chuluunbat, Frazier decisions | Answered bounded holdings | C042–C044 | No broad legal-dispute exemption or score guarantee |\n| 13. Ewing/Webster, Ramirez standing | Answered bounded holdings | C035, C041, C045 | Concrete harm cannot be determined hypothetically |\n| 13. Full citator, trial decisions, DFI final orders | Unresolved | C033–C045 | Public opinion/history checks plus later full source review; no claim to comprehensive search |\n| 14. Actor-to-investigation decision flow | Answered | C012–C025, C050 | Actual reporting data/notice chain excluded |\n| 14. Collection and lawsuit effect of reporting dispute | Answered limited distinction | C011, C050 | Separate validation, limitations, litigation and remedies passes |\n| 14. Evidence and document classifications | Answered as research contract | C019–C024, C027, C036 | Actual records outside authorization |\n| 14. Actual consumer, provider, score and dispute outcome | Excluded | C046, C050 | No private records, user operation, or score model |\n| Other seven-dimension Wisconsin, local, tribal and national work | Excluded | — | Full parent dossier remains open and unaccepted |\n\n## 16. Exact follow-on research holds\n\nThe major unresolved points for coordinator review are:\n\n1. Wisconsin preemption reconciliation: Analyze a specifically pleaded Wisconsin §427.104(1)(c) or (f) claim against the current §1681t(b)(1)(F) text, Purcell, Turner, and later Seventh Circuit treatment. Do not label all independent communication harassment or privacy conduct preempted merely because the same account was also furnished.\n2. Wisconsin remedies: Independently investigate §427.105, §425.304, §425.307 and any cure, procedural, standing, fee or limitation provisions as applied to distinct injuries, plus federal overlapping recovery.\n3. Medical classification and policy: Verify original-versus-current reported balance thresholds, the precise $500 boundary, publisher exclusions, specialty CRA treatment, Wisconsin medical assistance/billing law, and any post-vacatur rulemaking or appeal.\n4. Assignment/duplicate data: Obtain controlling authority defining materially inaccurate simultaneous tradelines, original-creditor balance after a bona fide sale, and the boundary between objectively verifiable owner identity and complex contractual legal validity.\n5. Currentness: Re-fetch the official integrated Wisconsin statutory/administrative provisions when accessible, compare relevant 2025–26 amendments, reconcile OLRC's different public-law compilation cutoffs, and use an actual subsequent-history/citator pass for decisions.\n6. Remaining registry modules: Preserve all PASS-01 to PASS-03 work as unreviewed; keep collection validation, limitation/revival, courts/judgments, garnishment, secured/sector, local/tribal, actual contract/account, and parent-state work explicitly separate.\n\n## 17. Researcher self-check\n\nActually read or inspected in this pass: Relevant Wisconsin 2025 statutory reproductions for the narrow WCA reporting, remedy, and freeze gateways; DFI-Bkg 74.16 reproduction; federal FCRA and FDCPA OLRC sections; current CFPB Regulation V and F operative regulations/commentary; FTC, DFI, CFPB, TransUnion and Experian public materials; Wisconsin Turner and the listed Seventh Circuit/Supreme Court opinions; Cornerstone's signed vacatur opinion and judgment; 2025 Federal Register preemption interpretation; and the DFI BCA500 complaint PDF. Material PDF passages were inspected through public page-image views where relevant.\n\nNot successfully verified in preferred original form: Several official Wisconsin Legislature integrated pages; a complete commercial citator or subsequent-history service; a comprehensive Wisconsin DFI adjudication archive; every medical-debt publisher policy at every possible specialty CRA; an actual borrower's original contract, account ledger, credit report or credit-scoring model; and actual mailing, receipt, reporting, or investigation records. The document-source table explicitly distinguishes successful original reads, statutory reproductions, voluntary policies, court-docket mirrors, historical interpretations, and failed/incomplete routes.\n\nMath and deadline check: The 30-plus-15-day CRA extension is conditional, the five-business-day notices have distinct triggering events, the 14-day Regulation F window uses consecutive days, the DOFD-plus-180-days-plus-seven-years formula is not a debt-suit limitation period, and the $100–$1,000 remedies are not automatic or per-letter entitlements. No individualized calendar, actual damages, score change, reporting removal, collection stay, or legal entitlement was calculated.\n\nProcedural limits: No private credit file or person was accessed; no dispute, complaint, application, record request, lawsuit or contact was sent; no account, browser permissions, system, or website was changed. No local write or publication is claimed. This is the author's self-check, not independent review, publication approval, operational approval, or acceptance of Wisconsin PASS-04, the parent state dossier, or A066.\n\nDisposition: PASS-04 research completed as a focused source-supported component, with identified unresolved questions remaining held for coordinator review and later passes.\n\nEND S_WI PASS-04.\n\n","tables":[{"headers":[],"index":0,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Actor or debt","Wisconsin reporting/collection law","Federal reporting or collection law","Hold or exception"],["Original creditor collecting its own consumer installment debt","Ch. 427 may apply; cannot knowingly disseminate false creditworthiness information or conceal known reasonable dispute when within its scope","FCRA furnisher duties if reporting; usually not FDCPA debt collector","Original-creditor status alone is not a WCA exemption"],["Original creditor reporting a credit-card account","Determine qualifying consumer/deferred-payment transaction","FCRA/Reg V if furnisher; qualified financial institution may owe §623(a)(7) negative-report notice","No general federal requirement to furnish at all"],["Third-party collection agency","Ch. 427 if qualifying transaction; DFI-Bkg 74.16 if Wisconsin licensee","FCRA furnisher duties if it reports; FDCPA/Reg F if federally covered","State license and federal debt-collector tests differ"],["Debt buyer collecting purchased consumer debt","May be a WCA debt collector regardless of original-creditor status","Furnisher rules if it reports; FDCPA principal-purpose and other coverage require separate facts","Purchase does not automatically erase reporting duties"],["Passive debt owner using a servicer","Depends on actual direct or indirect collection conduct","Owner's furnishing, collector's furnishing, and servicer's duties must be classified separately","No universal predecessor/successor data-imputation rule established"],["Servicer","Depends on Wisconsin transaction and license facts","Furnisher if supplying data; federal FDCPA exclusion may turn on acquisition before default","Must distinguish own reporting from reporting for owner"],["Collection attorney","No categorical WCA conduct exemption established","Can be FDCPA debt collector; FCRA if it furnishes information","Litigation-only and representation details remain outside scope"],["Guarantor or joint obligor","Actual Wisconsin customer, obligation, and transaction definitions control","Federal report and dispute rules can apply to information about an individual","No automatic guarantee that a business-loan guaranty is a covered consumer debt"],["Consumer reporting agency (CRA)","Wisconsin credit-report-access/freeze provisions may apply subject to preemption","FCRA CRA accuracy, disclosure, reinvestigation, and obsolescence provisions","Not automatically a collector or creditor"],["Report user, such as a lender","No automatic ch. 427 duty merely from reading a report","FCRA permissible-purpose and applicable user duties","Obtaining a report is different from furnishing data"],["Pure commercial debtor","Ordinary WCA ch. 427 consumer coverage generally absent","FDCPA consumer-debt coverage absent; FCRA about an individual's consumer report requires separate purpose analysis","Wisconsin licensee conduct rules may still govern"],["Primarily agricultural deferred-payment debt","Ch. 427 expressly includes the qualifying transaction","Federal FDCPA generally excludes business/agricultural-purpose debt","State-only branch possible"],["Medical collection","State WCA facts and any medical-sector law need individual classification","FCRA plus applicable medical restrictions and CRA policy","No currently operative blanket CFPB 2025 ban"],["Cross-border furnishing or collection","§421.201 Wisconsin transaction/collection nexus must be established","Federal actor, reporting, interstate-commerce and consumer-reporting predicates","A Wisconsin residence alone does not establish every state-law duty"]]},{"headers":[],"index":1,"links":[],"row_links":[[],[],[],[],[],[],[],[],[]],"rows":[["Finding after applicable investigation","CRA action","Furnisher action","Collection/debt effect"],["Item accurate and complete","May retain; CRA gives required results","Report findings; continue accuracy/update duties","Debt not canceled, no automatic collection stay"],["Wrong amount, date, or status verified","Correct or modify; delete if appropriate","Correct each applicable CRA","Collection rights require separate contract/law analysis"],["Item incomplete","Modify or delete appropriately","Correct reporting and relay other required notifications","No automatic debt extinguishment"],["Cannot verify","Delete or modify under §611, as appropriate","Under §623(b), modify, delete, or permanently block as appropriate","Lack of CRA verification is not a merits judgment"],["Direct dispute excluded by §1022.43(b)","CRA route remains a separate possible process","Furnisher may use qualifying exception","No presumption the consumer is wrong"],["Frivolous/irrelevant for stated reasons","CRA may terminate reinvestigation with prescribed notice","Furnisher may reject qualifying direct dispute with prescribed notice","Supporting new information can change treatment"],["Information previously deleted is to be reinserted","Furnisher certification of completeness and accuracy; consumer notice generally within five business days after reinsertion; prevent unauthorized reappearance","Supply certification and accurate data","Reinsertion isn't categorically banned"],["Dispute cannot be resolved by simple factual verification","Requires actual CRA duties and case-law analysis","Furnisher's own information and responsibilities remain independently relevant","CRA is not necessarily a court deciding complex legal ownership"]]},{"headers":[],"index":2,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Trigger","Responsible actor","Statutory period or method","Required action","Exception or failure consequence"],["Consumer dispute received by CRA","CRA","30 calendar days beginning on receipt, subject to statutory exceptions","Reasonable reinvestigation, correction/deletion/status determination","No automatic deletion merely because dispute submitted"],["Relevant new consumer information received during initial 30 days","CRA","May extend by no more than 15 days","Complete reinvestigation, up to a possible 45-day period","No extension if CRA already found item inaccurate, incomplete, or unverifiable in initial period"],["CRA receives qualifying dispute","CRA","Within five business days","Notify furnisher with all relevant available dispute information","Additional relevant information must be forwarded promptly"],["CRA concludes dispute frivolous or irrelevant","CRA","Within five business days after determination","Notice explaining reason and missing information","Not a blanket right to dismiss unfamiliar evidence"],["Reinvestigation complete","CRA","Within five business days after completion","Send result and required revised report/rights information","Properly authorized alternative delivery permitted"],["CRA deletes within three business days under expedited procedure","CRA","Special §611(a)(8) branch","Prompt telephone notice and written confirmation/report within five business days","Specified normal forwarding/results requirements are replaced only if all conditions met"],["Consumer asks how reinvestigation was conducted","CRA","Within 15 days of that request","Describe verification procedure and relevant furnisher contact information","Separate request and response duty"],["CRA reinserts previously deleted item","CRA and certifying furnisher","Notice within five business days of reinsertion","Furnisher certification; consumer notice and required information; anti-reappearance controls","Reinsertion without certification prohibited"],["Consumer submits direct dispute properly to furnisher","Furnisher","Investigation/result timeframe comparable to §611's 30-day, conditionally 45-day period","Reasonable investigation and consumer result; correct reporting if inaccurate","§1022.43 subject-matter, address, and frivolous exceptions"],["Furnisher determines a direct dispute frivolous/irrelevant","Furnisher","Five business days after determination","Explain finding and needed information","Doesn't create §623(b) CRA-notice predicate"],["CRA provides §611(a)(2) notice to furnisher","Furnisher","Must complete §623(b) duties before expiration of the CRA reinvestigation period","Investigate, review, report results, and modify/delete/block as required","No new independent 30-day clock from the forwarded notice"],["Financial institution initially furnishes qualifying negative credit information","Institution","Before or within 30 days after first furnishing","§623(a)(7) consumer notice","Narrow scope; later same-account furnishing generally not a new notice"],["Furnisher first reports an account placed for collection/charged off","Furnisher","Within 90 days after first furnishing","Supply statutory commencement-of-delinquency date","Transfer to a new collector does not reset the underlying DOFD"],["Federal covered collector sends letter/electronic message before furnishing","Collector","Reasonable monitoring period; official example 14 consecutive days","Monitor undeliverability before reporting","Nondelivery during window prevents furnishing until a qualifying step is completed"],["Federal §1692g validation period","Covered collector","30 days after received/assumed-received validation information, under applicable rule","Timely written dispute triggers verification-and-pause","Not a CRA dispute deadline or reporting-age period"],["Wisconsin reasonably disputed status","Covered Wisconsin collector","No numeric duration enacted in §427.104(1)(f)","Disclose known reasonable dispute in covered communications","Does not automatically stay collection"],["FCRA private-action limitations","Potential plaintiff","Earlier of two years after discovery of actionable violation or five years after occurrence","Statutory suit deadline","Factual discovery, statutory predicates, and tolling issues may affect application"],["Wisconsin Consumer Act customer enforcement","Potential plaintiff","§425.307's alternative triggers and absolute six-year ceiling","Timely covered WCA action","Not ordinary debt-collection limitations; preemption and noncustomer-standing questions held"]]},{"headers":[],"index":3,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Account condition","What legal accuracy can require","What it does not automatically require","Evidence or hold"],["Delinquent but outstanding","Accurate balance, status, dates, creditor, dispute notation when required","Immediate deletion after a dispute","Ledger, payments, ownership, DOFD"],["Charged off","Accurate historical charge-off and legally permissible status/balance","Debt forgiveness or reporting-period reset","Charge-off records and DOFD"],["Sold/transferred","Original owner's continuing balance must reflect genuine assignment and lack of remaining receivable; purchaser information must be accurate","Universal removal of original tradeline","Assignment and reporting conventions"],["Third-party collection placement","Accurate collector identity, account and balance, dispute notation","Automatic deletion of original creditor's accurate history","Owner-versus-agent relationship"],["Account fully paid","Current collectible balance ordinarily $0; historical accurate adverse status may remain","Removal of all older late payments","Posted payoff/ledger"],["Settlement fully completed for less than full stated debt","No continuing collectible balance if valid agreement fully satisfied obligation; settlement/paid-for-less description must not mislead","Reporting as paid in full at original terms or automatic deletion","Actual settlement terms, completion, releases"],["Settlement promised but incomplete","Current legally owed amount depends on agreement, payment performance and defaults","Assumed $0 balance on acceptance alone","Contract terms; payment ledger"],["Consumer disputes balance","Dispute indicator as applicable; factual investigation duties by actor","Debt cancellation or automatic report suppression","Exact disputed entry and evidence"],["Duplicate creditor and collector tradelines","Each must accurately convey its separate role, owner, balance and status","Per se ban on any two historical entries","Actual duplicate liability and owner/servicer relationships"],["Ownership legally disputed","CRA investigates reasonably investigable facts; furnisher investigates own relevant information","CRA decides every complex chain-of-title legal question","Assignments, identifiers, judgments"],["Bankruptcy discharge","Personal-liability status and any outstanding balance must not misrepresent discharge; §1681c has bankruptcy-age provisions","Immediate deletion of bankruptcy filing or all historic delinquencies","Order, chapter, schedules and discharge treatment"],["Civil judgment/public record","FCRA §1681c(a)(2) and accuracy rules; CRAs may voluntarily exclude some records","That every voluntarily omitted item is federally prohibited","Entry date, jurisdiction, CRA policy"],["Paid tax lien","FCRA historical age text includes seven years from payment","Mandatory inclusion on reports","Actual record and applicable CRA policy"],["Old collection account placed with new agency","DOFD remains anchored in underlying delinquency","New seven-year cycle","Original account history"],["Medical collection","Applicable federal statutory protections, accuracy, and current voluntary CRA policies","Operative 2025 CFPB blanket ban","Medical classification, amount, paid status, reporting date"],["Veteran medical debt","Specific actual-knowledge reporting exclusions and §611(g) dispute/removal process","Applying veteran protections to all medical debt","Veteran/VA-liability facts held"]]},{"headers":[],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Category","Current distinction","Evidence and limit"],["Ordinary medical collection","Federal FCRA accuracy, completeness, dispute, obsolescence and applicable medical-information protections remain","2025 blanket rule vacated"],["Identifying medical providers","§1681c(a)(6) restricts uncoded medical-provider names/addresses/contact information in reports, subject to specified exception","Not a blanket exclusion of the debt"],["Creditor use of medical information","Existing Regulation V §1022.30 has qualified restrictions and exceptions","Loan-decision use differs from reporting"],["Veteran medical debt","§§1681c(a)(7)–(8), 1681i(g) supply special protections with statutory predicates, including actual knowledge and VA documentation","Not generalized to every medical bill"],["Paid medical collection at three nationwide CRAs","Publishers describe voluntary removal/exclusion practices","Policy, not a universal statutory entitlement"],["Medical collection with reported starting balance under $500","Current publisher materials indicate voluntary exclusion","Exact measurement, threshold/equality, and coverage must be checked"],["Unpaid medical collection less than one year old","Publishers describe a waiting period before appearance","Not an across-the-board statutory waiting period from the vacated rule"],["Medical expense charged to ordinary credit card","May be a credit-card balance rather than a medical-collection item for voluntary policies","Source/type classification required"],["Wisconsin medical provider assistance, billing, lien, or charity-care rights","Not resolved","Separate medical/sector pass"]]},{"headers":[],"index":5,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Potential theory","Required initial gateway","Remedy/enforcement distinction","Preemption or standing hold"],["Wisconsin §427.104(1)(c) false adverse information","Covered consumer/deferred-payment transaction, qualifying debt collector, knowledge or reason to know falsity, relevant communication","§427.105 can allow actual damages plus applicable statutory penalty subject to prerequisites","Federal furnishing-subject preemption under §1681t(b)(1)(F) must be examined"],["Wisconsin §427.104(1)(f) omitted known dispute","Reasonably disputed debt, knowledge, covered disclosure","Turner demonstrates state merits, not guaranteed recovery","Purcell and later federal law prevent assuming state merits equal surviving claim"],["Licensed collection agency DFI-Bkg 74.16","Actual Wisconsin licensee, act within rule","Regulator/licensing consequences distinct from a private statutory claim","No automatic private action from each rule breach"],["FCRA §623(a) furnishing inaccurate/undisputed data","Furnisher, information, knowledge/update/dispute predicates","Administrative/government enforcement","General private §1681n/o claim barred by §1681s-2(c),(d) for duties arising only under (a)"],["FCRA §623(b) failed post-CRA-notice investigation","Actual CRA §611 referral; unreasonable investigation/result; statutory violation","Potential private claim under §§1681n or 1681o","Requires relevant injury, causation, standing, and proper defendant"],["FCRA CRA §611 investigation","CRA receives qualifying dispute","Potential FCRA remedies","An adverse consumer decision alone does not prove investigation unreasonable"],["Regulation V direct-dispute failure","Furnisher, proper address, covered dispute, adequate information","Regulatory duty rooted in §623(a)","No independent ordinary private §623(b) trigger from direct complaint alone"],["FDCPA §1692e(8) dispute omission","Covered collector, covered consumer debt, communicated credit data, known/should-known dispute","Actual damages plus potentially up to $1,000 additional statutory damages per individual action, costs and fees","Injury and standing, bona-fide-error defenses, applicable one-year federal limit"],["Wisconsin negligence/defamation/privacy based on furnishing","State-law tort elements","Potential state tort remedy if survives","Purcell strongly constrains subject-matter overlap with §623 duties"],["FCRA willful noncompliance","Actionable duty plus willful standard, standing, other elements","Actual damages or $100–$1,000 statutory damages, possible punitive damages, applicable fees","No guaranteed statutory amount without proper liability/standing"],["FCRA negligent noncompliance","Actionable duty plus negligence, actual damages and causation","Actual damages and applicable fees","Statutory $100–$1,000 option does not apply under negligence alone"],["CFPB/DFI/FTC regulatory complaint","Agency jurisdiction and intake requirements","Public enforcement or supervisory process, possible referral or voluntary resolution","Does not automatically create a private claim, stop reporting, toll limitations, or guarantee payment"]]},{"headers":[],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Case, court, and status","Facts, procedural posture, and disposition","Material holding","Exact location in opinion"],["Turner v. Gene Dencker Buick-Pontiac, Inc., 2001 WI App 28, Wisconsin Court of Appeals, published","Consumer disputed debt; bank continued monthly credit disclosures without dispute notation. Appellate court reversed/remanded relevant merits determination","Each disclosure of a known reasonably disputed debt needs appropriate dispute status; one initial oral notification did not excuse later omissions","¶¶23–27; official 16-page PDF, printed pp.12–14, zero-based indexes 11–13"],["Purcell v. Bank of America, 659 F.3d 622 (7th Cir. 2011), published","State-law claims based on bank furnishing; appeal from disposition of state claims; reversed/remanded for dismissal","§1681t(b)(1)(F) preempts covered state statutory and common-law furnishing-duty theories despite §1681h(e) malice wording","Printed pp.3–7; eight-page official PDF, zero indexes 2–6"],["Westra v. Credit Control of Pinellas, 409 F.3d 825 (7th Cir. 2005), published","CRA gave furnisher limited identity-dispute data; summary judgment for furnisher affirmed","Reasonableness depends on information forwarded and available; sparse notice can justify narrower inquiry","Printed pp.2–4; four-page official PDF, zero indexes 1–3"],["Chuluunbat v. Experian Information Solutions, Inc., 4 F.4th 562 (7th Cir. 2021), published consolidated appeal","Credit-report disputes required determining legal ownership and validity of assignments; dismissals affirmed","CRAs are not courts required to resolve collateral complex legal disputes; objectively verifiable factual inaccuracies remain distinguishable","Printed pp.6–13; 14-page official PDF, zero indexes 5–12"],["Ewing v. MED-1 Solutions, LLC and Webster v. Receivables Performance Management, LLC, Nos. 21-1276/21-1299 (7th Cir. 2022), published consolidated opinion","Both collectors omitted dispute flags. Ewing's fax was accidentally misrouted; Webster's collector stopped checking its advertised fax. Ewing defense affirmed; Webster defense reversed/remanded","Actual furnishing to a CRA can create concrete reputational injury; an adequate bona-fide-error procedure is fact-dependent","Printed pp.2–5, 8–16; 16-page official PDF, zero indexes 1–4, 7–15"],["Frazier v. Dovenmuehle Mortgage, Inc., 72 F.4th 769 (7th Cir. 2023), published","Closed/settled zero-balance mortgage with historic delinquency coding; defense summary judgment affirmed","Accuracy is judged in reporting context; historical derogatory coding need not make the full tradeline materially misleading","Printed pp.5–11; 12-page official PDF, zero indexes 4–10"],["Frazier v. Equifax Information Services LLC, No. 23-2355 (7th Cir. 2024), published, split opinion","CRA dispute and denied loan; majority affirmed summary judgment for CRA","Majority found no actionable inaccuracy or causal connection on that record; Judge Hamilton dissented","Majority printed pp.1–14, zero indexes 0–13; dissent printed pp.15–30, zero indexes 14–29"],["TransUnion LLC v. Ramirez, 594 U.S. 413 (2021), Supreme Court majority merits holding","Certain misleading consumer files disseminated to third parties; others remained internal. Judgment reversed/remanded in part","Statutory violation alone is not always concrete Article III injury; publication and claim-specific harm matter","Majority opinion beginning after four-page syllabus; official 53-page PDF, zero index 4 onward, especially opinion pp.1–4 (zero 4–7) and subsequent standing analysis"],["Cornerstone Credit Union League v. CFPB, No. 4:25-cv-00016 (E.D. Tex. July 11, 2025), final district-court order/judgment","Challenge to CFPB 2025 medical-debt rule","Court vacated the rule and remanded it to CFPB; 2025 prohibitions not operative","Document 52, printed pp.30–34, zero indexes 29–33; Document 53, printed pp.1–2, zero indexes 0–1"]]},{"headers":[],"index":7,"links":[],"row_links":[[],[],[],[]],"rows":[["Route","First decision-maker","Investigation path","Private FCRA branch"],["CRA dispute","CRA","§611 reinvestigation; referral of relevant information to furnisher; §623(b) follows CRA notice","Potential §611 CRA or §623(b) furnisher claim, subject to merits and injury"],["Qualified direct furnisher dispute","Furnisher","§1022.43 investigation and result","Generally regulatory §623(a)/Reg V duty; not §623(b) merely from direct submission"],["Direct letter to wrong address or with insufficient details","Furnisher","May not trigger Reg V direct procedure as drafted","No automatic violation by absence of response under this route"]]},{"headers":[],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["ID","Issuer, title, full direct literal URL","Exact clause, version, and effective status","Access/limits"],["S_WI-P04-S001","Wisconsin Legislature, Wis. Stat. §§421.201, 421.202, 421.301. https://docs.legis.wisconsin.gov/statutes/statutes/421/ii/201 https://docs.legis.wisconsin.gov/statutes/statutes/421/ii/202 https://docs.legis.wisconsin.gov/statutes/statutes/421/iii/301 Access copies: https://law.justia.com/codes/wisconsin/chapter-421/section-421-201/ https://law.justia.com/codes/wisconsin/chapter-421/section-421-202/ https://law.justia.com/codes/wisconsin/chapter-421/section-421-301/","§421.201 territorial application; §421.202 exclusions; §421.301 customer, transaction and merchant definitions. 2025 statutory reproduction, effective-current provisions","R; official integrated pages failed/time-out. No full official-section read claimed"],["S002","Wisconsin Legislature, Wis. Stat. §§427.104, 427.105. https://docs.legis.wisconsin.gov/statutes/statutes/427/104 https://docs.legis.wisconsin.gov/statutes/statutes/427/105 Read-aids: https://law.justia.com/codes/wisconsin/chapter-427/section-427-104/ https://law.justia.com/codes/wisconsin/chapter-427/section-427-105/","§427.104(1)(c),(e),(f), (2); §427.105(1). Current 2025 reproduction","R; official integrated read failed. Used only within ch. 427 scope"],["S003","Wisconsin DFI, Wis. Admin. Code DFI-Bkg 74.16. Official https://docs.legis.wisconsin.gov/code/admin_code/dfi/dfi_bkg/74 Current rule reproduction: https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-16","Subsections (3), (6), (7): creditworthiness, privacy and disputed status. Current rule as reproduced","R; official integrated chapter failed. Licensee-rule predicates separate from ch. 427"],["S004","Wisconsin Legislature, Wis. Stat. §§425.304 and 425.307. https://docs.legis.wisconsin.gov/statutes/statutes/425/304 https://docs.legis.wisconsin.gov/statutes/statutes/425/307 Access copies: https://law.justia.com/codes/wisconsin/chapter-425/section-425-304/ https://law.justia.com/codes/wisconsin/chapter-425/section-425-307/","§425.304(1)–(2) penalty comparison; §425.307(1)–(2) time limits. Current 2025 reproduction","R, narrow remedy/limit gateway, not full Wisconsin-remedies pass"],["S005","Wisconsin Legislature, Wis. Stat. §100.54. https://docs.legis.wisconsin.gov/statutes/statutes/100/54 Access copy: https://law.justia.com/codes/wisconsin/chapter-100/section-100-54/","§100.54 security-freeze provisions including exceptions and historic fee structure; 2025 reproduction","R; Wisconsin face-text fee must be reconciled against federal mandatory-freeze law"],["S006","Wisconsin Court of Appeals, Turner v. Gene Dencker Buick-Pontiac, Inc., 2001 WI App 28. https://www.wicourts.gov/ca/opinion/DisplayDocument.pdf?content=pdf&seqNo=16274","¶¶23–27, especially ¶¶25–26; printed pp.12–14, zero-based PDF indexes 11–13; published 16-page majority opinion","O/P; historical Wisconsin merits holding, federal preemption separately evaluated"],["S007","Wisconsin DFI, credit-information and age guidance. https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/HowLongDataReported.aspx https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/FairCreditReportingAct.aspx","Public consumer guidance on adverse-information age and FCRA; current agency pages","F; explanatory, not independent authority overriding federal statute"],["S008","U.S. House Office of Law Revision Counsel, FCRA definitions and permissible purposes. https://uscode.house.gov/us/usc/119-124/t15/s1681a/ https://uscode.house.gov/us/usc/119-124/t15/s1681b/","15 U.S.C. §§1681a, 1681b(a), (a)(3)(A). Text through Pub. L. 119-124, Oct. 15, 2026","O/F, current federal statute"],["S009","U.S. House OLRC, CRA accuracy and reinvestigation. https://uscode.house.gov/us/usc/119-124/t15/s1681e/ https://uscode.house.gov/us/usc/119-124/t15/s1681i/","§§1681e(b); 1681i(a)(1)–(8), (b)–(d), (f), (g); current through Pub. L. 119-124","O/F, including forwarding, extension, deletion, reinsertion and results"],["S010","U.S. House OLRC, duties of furnishers. https://uscode.house.gov/us/usc/119-120/t15/s1681s-2/","§1681s-2(a)(1)–(5), (7), (9), (b), (c), (d). Page compiled through Pub. L. 119-120, Oct. 7, 2026","O/F; no later targeted amendment located, but this page's compilation date is not represented as Oct. 15"],["S011","CFPB, Regulation V §1022.42. https://www.consumerfinance.gov/rules-policy/regulations/1022/42/","Reasonable accuracy/integrity policies and procedures; operative current CFPB regulation","O/F, relevant to furnishing system rather than an individual automatic production duty"],["S012","CFPB, Regulation V §1022.43. https://www.consumerfinance.gov/rules-policy/regulations/1022/43/","(a)–(g), including direct dispute covered subjects, exclusions, dispute addresses, content, investigation and frivolous procedure; official commentary","O/F, current"],["S013","CFPB, Regulation V Appendix E. https://www.consumerfinance.gov/rules-policy/regulations/1022/e/","Furnisher accuracy/integrity guidelines under §1022.42","O/F, current; policy framework is not a universal production form"],["S014","U.S. House OLRC, FDCPA definitions, deceptive practices, validation, civil liability. https://uscode.house.gov/us/usc/119-124/t15/s1692a/ https://uscode.house.gov/us/usc/119-124/t15/s1692e/ https://uscode.house.gov/us/usc/119-124/t15/s1692g/ https://uscode.house.gov/us/usc/119-124/t15/s1692k/","§§1692a(5)–(6), 1692e(8), 1692g(a)–(c), 1692k(a)–(d), current through Pub. L. 119-124","O/F; only disputed-status, validation distinction and narrow remedies"],["S015","CFPB, Regulation F §1006.30. https://www.consumerfinance.gov/rules-policy/regulations/1006/30/","§1006.30(a)(1)–(2), official comments 30(a)(1)-1–3; §1006.30(b)(1)–(2) transfers/exceptions","O/F, current, including 14-consecutive-day interpretation and nondelivery examples"],["S016","U.S. House OLRC, FCRA age/obsolescence. https://uscode.house.gov/us/usc/119-124/t15/s1681c/","§1681c(a)(1)–(8), (b), (c)(1), (d), (f). Current through Pub. L. 119-124","O/F, age categories, DOFD and medical/veteran provisions"],["S017","U.S. House OLRC, federal preemption and limited tort-action exception. https://uscode.house.gov/us/usc/119-124/t15/s1681t/ https://uscode.house.gov/us/usc/119-124/t15/s1681h/","§§1681t(a), (b)(1)(E), (F), (J); 1681h(e). Current through Pub. L. 119-124","O/F, precise subject-matter exclusions control"],["S018","U.S. House OLRC, private FCRA claims and limitations. https://uscode.house.gov/us/usc/119-120/t15/s1681n/ https://uscode.house.gov/us/usc/119-120/t15/s1681o/ https://uscode.house.gov/us/usc/119-120/t15/s1681p/","Willful remedies §1681n; negligent §1681o; limitations §1681p. Compiled through Pub. L. 119-120","O/F, narrow limits; no current later amendment found in targeted check"],["S019","U.S. House OLRC, file access/free disclosures. https://uscode.house.gov/us/usc/119-124/t15/s1681g/ https://uscode.house.gov/us/usc/119-124/t15/s1681j/","§§1681g(a), (f); 1681j(a), (c). Current through Pub. L. 119-124","O/F, annual statutory free reports and conditional additional disclosures"],["S020","U.S. House OLRC, fraud alerts/security freezes. https://uscode.house.gov/us/usc/119-124/t15/s1681c-1/","§1681c-1(i) federal no-charge freeze, (j) exceptions; fraud alert background","O/F, identity-theft protocol excluded beyond necessary branch"],["S021","CFPB, Regulation V medical-information rules. https://www.consumerfinance.gov/rules-policy/regulations/1022/30/","Existing §1022.30 credit eligibility/use restrictions, remaining operative provisions","O/F, not the vacated 2025 text"],["S022","CFPB, current FCRA compliance resources and medical rule status. https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/fair-credit-reporting-act/","Site notice acknowledging July 11, 2025 vacatur; current public status page","O/F, explicitly distinguishes vacated materials"],["S023","U.S. District Court, E.D. Texas, Cornerstone Credit Union League v. CFPB, Document 52, hosted original docket image. https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.52.0_1.pdf","Filed July 11, 2025; 34-page opinion, printed pp.30–34, zero PDF indexes 29–33; analysis and vacatur","P/F; original court-docket document mirrored by CourtListener, not represented as an official judiciary-host URL"],["S024","U.S. District Court, same case, Document 53 judgment. https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.53.0.pdf","Signed July 11, 2025; printed pp.1–2, zero indexes 0–1; operative vacatur and remand","P/F, original docket-document mirror"],["S025","CFPB, 2025 preemption interpretation, Federal Register. https://www.govinfo.gov/content/pkg/FR-2025-10-28/pdf/2025-19671.pdf","90 Fed. Reg. 48710–48715, Oct. 28, 2025; replaces withdrawn 2022 interpretation, interpretive status","O/P, six pages, zero indexes 0–5; interpretive guidance not statute/judgment"]]},{"headers":[],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["ID","Issuer, title, full literal direct URL","Pinpoint/version/status","Access/limits"],["S026","TransUnion, medical collection-reporting policy and collection aging guidance. https://www.transunion.com/blog/credit-advice/how-long-do-collections-stay-on-your-credit-report","Publisher discussion of medical paid/small-balance/waiting exclusions; current accessible page","V/F; voluntary nationwide-CRA practice, not enacted law or every product"],["S027","Experian, paid collections and medical collection policy. https://www.experian.com/blogs/ask-experian/how-do-i-get-a-paid-collection-off-my-credit-report/","Current 2026 consumer-publication version; paid medical exception to general paid-collection treatment","V/F; publisher policy, not law"],["S028","FTC, disputing errors and getting free credit reports. https://consumer.ftc.gov/articles/disputing-errors-your-credit-reports https://consumer.ftc.gov/articles/free-credit-reports","Current public instructions, weekly voluntary nationwide CRA availability and statutory annual entitlement","O/F, guidance and policy distinguished from statute"],["S029","CFPB, consumer guide to credit-report errors. https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/","CRA/furnisher dispute guidance and sample-letter links; current","O/F, examples not mandatory legal form"],["S030","CFPB, Regulation V Appendix B, model negative-information notice. https://www.consumerfinance.gov/rules-policy/regulations/1022/b/","Model notice for §623(a)(7)","O/F, illustrative model for financial-institution notice, not universal dispute letter"],["S031","Wisconsin DFI, Bureau of Consumer Affairs, BCA500 complaint form. https://dfi.wi.gov/Documents/ConsumerServices/WisconsinConsumerAct/Forms/BCA500.pdf","Revised January 2023; printed pp.1–2 / zero PDF indexes 0–1; categories include credit-report disputes; disclosure/privacy and consent statements","O/P/F, full two-page PDF text read, p.1 image inspected. Public complaint form, not collection agency authorization"],["S032","Wisconsin DFI, WCA complaint route. https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/FileAComplaint.aspx","Current public program and referral procedure","O/F, jurisdictional and outcome limits"],["S033","CFPB, consumer complaint portal description. https://www.consumerfinance.gov/complaint/","Current credit-reporting complaint intake route, sequencing instructions","O/F, no submission made or promised"],["S034","Wisconsin DATCP, consumer complaint options. https://datcp.wi.gov/Pages/Programs_Services/FileConsumerComplaint.aspx","Current general consumer-protection intake","O/F, jurisdiction not independently verified for every FCRA claim"],["S035","Seventh Circuit, Purcell v. Bank of America, 659 F.3d 622 (2011). https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2011/D10-03/C:10-3975:J:Easterbrook:aut:T:fnOp:N:782523:S:0&Submit=Display","Published eight-page opinion, printed pp.3–7, zero PDF indexes 2–6","O/P/F; Wisconsin-relevant preemption ruling"],["S036","Seventh Circuit, Ewing v. MED-1 Solutions / Webster v. Receivables Performance Management, 2022 consolidated opinion. https://media.ca7.uscourts.gov/cgi-bin/OpinionsWeb/processWebInputExternal.pl?Path=Y2022/D02-02/C:21-1276:J:St__Eve:aut:T:fnOp:N:2828194:S:0&Submit=Display","Published 16-page opinion; pp.2–5, 8–16; zero indexes 1–4, 7–15","O/P/F, distinct affirmance and reversal explained"],["S037","Seventh Circuit, Westra v. Credit Control of Pinellas, 409 F.3d 825 (2005). https://media.ca7.uscourts.gov/cgi-bin/OpinionsWeb/processWebInputExternal.pl?Path=Y2005/D05-27/C:04-3139:J:_:aut:T:op:N:0:S:0&Submit=Display","Published four-page opinion, printed pp.2–4, zero indexes 1–3","O/P/F, limited-information furnisher inquiry"],["S038","Seventh Circuit, Chuluunbat v. Experian Information Solutions, 4 F.4th 562 (2021). https://media.ca7.uscourts.gov/cgi-bin/OpinionsWeb/processWebInputExternal.pl?Path=Y2021/D07-15/C:20-2775:J:Brennan:aut:T:fnOp:N:2734006:S:0&Submit=Display","Published 14-page opinion, printed pp.6–13, zero indexes 5–12","O/P/F, complex legal validity versus factual error"],["S039","Seventh Circuit, Frazier v. Dovenmuehle Mortgage, Inc., 72 F.4th 769 (2023). https://media.ca7.uscourts.gov/cgi-bin/OpinionsWeb/processWebInputExternal.pl?Path=Y2023/D07-05/C:22-2570:J:Brennan:aut:T:fnOp:N:3070777:S:0&Submit=Display","Published 12-page opinion, printed pp.5–11, zero indexes 4–10","O/P/F, settlement reporting context; mortgage sector not otherwise covered"],["S040","Seventh Circuit, Frazier v. Equifax Information Services LLC, 2024 opinion. https://media.ca7.uscourts.gov/cgi-bin/OpinionsWeb/processWebInputExternal.pl?Path=Y2024/D08-07/C:23-2355:J:Brennan:aut:T:fnOp:N:3246138:S:0&Submit=Display","Published 30-page opinion, majority printed pp.1–14 / zero 0–13; dissent printed pp.15–30 / zero 14–29","O/P/F, no dissent adopted"],["S041","U.S. Supreme Court, TransUnion LLC v. Ramirez, 594 U.S. 413 (2021). https://www.supremecourt.gov/opinions/20pdf/20-297_4g25.pdf","Official 53-page PDF, majority opinion begins zero index 4 after four-page syllabus; printed majority opinion pp.1–4 correspond zero 4–7","O/P/F, claim-specific constitutional standing"],["S042","Wisconsin Legislature, 2025 Wisconsin Act 105, general WCA future threshold. https://docs.legis.wisconsin.gov/document/acts/2025/105%2C1 https://docs.legis.wisconsin.gov/document/acts/2025/105%2C2","§421.202(6) general $25,000 to $50,000 threshold effective January 1, 2027","O locator/partial; current 2026 amount not replaced early. Included solely for WCA applicability boundary"]]},{"headers":[],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Document or public route","Issuer and actual material read","Legal purpose","Status/limitation"],["FTC, Disputing Errors on Your Credit Reports — S028","Instructions on CRA/furnisher dispute, supporting documents, and follow-up","Explains practical statutory routes","Guide, not required form or legal determination"],["CFPB, How do I dispute an error on my credit report? — S029","Consumer instructions and sample-letter links","Explains dispute pathways","Sample language is optional; linked samples not all individually opened"],["CFPB, Regulation V Appendix B — S030","Model notice concerning negative information supplied by a financial institution","Supports §623(a)(7) notice","Not a required universal dispute letter"],["Wisconsin DFI BCA500 — S031","Revised January 2023; both pages of text read, first page visually inspected; expressly includes “Credit Report Dispute / Issue”","Voluntary DFI complaint intake","Public-record/consent warnings important; not a CRA reinvestigation"],["Wisconsin DFI complaint route — S032","WCA complaint program and instructions","State intake/supervisory avenue","No guaranteed personal monetary relief or lawsuit tolling"],["CFPB complaint page — S033","Federal complaint intake, including credit-reporting matter and applicable preliminary dispute guidance","Public supervisory/referral procedure","Does not replace §611 or promise a particular investigation outcome"],["Wisconsin DATCP complaint route — S034","General consumer-protection complaint options","Possible alternative/referral avenue","Exact jurisdiction and result depend on underlying conduct"],["FCRA §611 procedure description — S009","CRA must provide verification-method description within 15 days after qualifying consumer request","Statutory CRA information right","Not automatic access to every furnisher document"],["FCRA §611 dispute statement — S009","Optional brief statement if dispute unresolved","Affects later consumer-report presentation","Not proof of the consumer's legal position"]]},{"headers":[],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Evidence","Most relevant dispute/use","What law requires","What is not automatically required"],["Full consumer report showing entry and date","Identify exact CRA item and alleged misinformation","CRA file disclosures and reinvestigation duties","CRA production of lender's entire internal file"],["Report source/furnisher identity","Which actor owns investigation/reporting role","§1681g source disclosure and statutory notices","A consumer can infer ownership solely from a tradeline name"],["CRA dispute and submission evidence","Start §611 investigation and establish §623(b) referral chain","CRA records and notice duties under §611","Private §623(b) claim simply from mailing consumer letter"],["Actual CRA-to-furnisher notification","§623(b) predicate","CRA forwarding of all relevant available information","Consumer necessarily possesses CRA's internal notice log"],["Furnisher direct dispute and designated address","§1022.43 applicability","Properly submitted information and furnisher investigation","Every informal call activates all direct-dispute rights"],["Original agreement and fee terms","Determine disputed balance/interest","Furnisher must reasonably investigate actual relevant materials","Automatic prelitigation furnishing of every original instrument under FCRA"],["Payment/credit ledger","Determine current balance and omitted credits","Accurate and complete reporting, reasonable investigation","Universal identical itemized form"],["Settlement agreement, payment proof and release","Distinguish accepted offer, partial installments, and completed satisfaction","Current reporting must not misrepresent resulting balance/status","Settlement automatically erases prior delinquency"],["DOFD and historical payment history","Obsolescence/re-aging","§623(a)(5) reporting of qualifying month/year","New buyer allowed to use new sale date"],["Assignment and servicing records","Factual creditor/ownership error","Reasonable investigation as applicable","CRA required to decide every complex assignment-law controversy"],["Dispute/status communication history","FDCPA/Wisconsin dispute notation","Appropriate disputed-status communication when legal conditions exist","All consumer claims automatically deemed proven"],["Medical bill classification/payment evidence","Determine voluntary medical policy and federal protections","Specific federal medical duties where triggered","Universal ban from vacated rule"],["Actual adverse-action correspondence","Causation and harm","Relevant user/CRA statutory duties where applicable","Denial automatically caused by one disputed account"],["Bankruptcy order/discharge records","Separate reporting from discharge","Applicable FCRA accuracy and age requirements","Bankruptcy deletion of all historic accounts"]]},{"headers":[],"index":12,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Sources and pinpoints","Applicability, exceptions, currentness and confidence"],["S_WI-P04-C001","Wisconsin ch. 427 coverage depends on qualifying deferred-payment consumer/agricultural transaction and territorial facts.","S001 §§421.201, .202, .301; S002 §427.104","Original creditor can be covered; not all business accounts. High, reproduced state text"],["C002","Knowingly or negligently false adverse-creditworthiness disclosures are prohibited for covered Wisconsin collection actors.","S002 §427.104(1)(c); S003 §74.16(3)","Knowledge or reason-to-know, actor and debt predicates. High"],["C003","Known reasonably disputed debt cannot be disclosed without disputed status under the applicable Wisconsin rules.","S002 §427.104(1)(f); S003 §74.16(7); S006 ¶¶23–27","State collection disclosure, not automatic validation pause. High"],["C004","Licensed-agency rule and ch. 427 have separate actor/transaction coverage.","S001–S003","Commercial licensee conduct possible without WCA consumer status. High"],["C005","Wisconsin §427.105 can allow an injured person actual damages, including qualifying mental anguish, and applicable penalty subject to distinct legal conditions.","S002 §427.105(1); S004 §425.304","Not an automatic award; statutory interactions and preemption matter. High statute; case application held"],["C006","Federal subject-specific furnishing preemption can bar a Wisconsin claim independently of its state-law merits.","S017 §1681t(b)(1)(F), §1681h(e); S035 pp.3–7","Purcell rejects categorical malice workaround. High"],["C007","Federal FCRA actor/report-purpose coverage is distinct from Wisconsin ch. 427 and FDCPA actor/debt coverage.","S008 §§1681a, b; S014 §1692a; S001","Report consumer, CRA, furnisher, user and collection actor require separate tests. High"],["C008","§1681b requires permissible report purposes, including qualifying account review/collection, but not unrestricted access.","S008 §1681b(a)(3)(A)","User purpose and consumer relationship needed. High"],["C009","Covered Reg F collector must contact consumer about debt by phone/in person or send letter/electronic message and monitor reasonable undeliverability period before furnishing.","S015 §1006.30(a)(1)–(2), comments 1–3","14 consecutive days is documented reasonable period; specialty check-writing CRA exception. High"],["C010","FDCPA §1692e(8) prohibits communicating known/should-known false credit information, including omitted disputed status.","S014 §1692e(8); S036 pp.2–5, 8–16","Federal covered collector/debt required; oral/late notice can matter. High"],["C011","FDCPA disputed-status rule is separate from §1692g timely written validation/pause.","S014 §§1692e(8), 1692g(a)–(c)","No universal pause from every late/oral dispute. High"],["C012","CRA §611 and furnisher §623(a), §623(b), and Regulation V are distinct legal routes.","S009 §1681i; S010 §1681s-2; S012 §1022.43","Consumer-to-furnisher notice does not itself trigger §623(b). High"],["C013","CRA must reasonably reinvestigate qualifying consumer-disputed file items without charge subject to statutory exceptions.","S009 §1681i(a)(1),(3)–(5)","Qualified dispute/CRA/file and frivolous rules. High"],["C014","CRA 30-day period may extend up to 15 days only on statutory additional-relevant-information facts.","S009 §1681i(a)(1)(A)–(C)","No extension after specified early adverse/unverifiable determinations. High"],["C015","CRA forwards relevant dispute information within five business days, later information promptly.","S009 §1681i(a)(2)(A)–(B)","Trigger is CRA receipt. High"],["C016","CRA frivolous/irrelevant determination requires reasoned notice within five business days after determination.","S009 §1681i(a)(3)","Missing-info guidance required. High"],["C017","CRA results notice, consumer statement, procedure-description and earlier-recipient notification are conditional statutory rights.","S009 §1681i(a)(6)–(8), (b)–(d)","Distinct five-business-day and 15-day periods and recipient lookbacks. High"],["C018","Deleted information can be reinserted only under accuracy/completeness certification and statutory notice/anti-reappearance requirements.","S009 §1681i(a)(5)(B)–(C)","Five-business-day reinsertion notice, not unconditional permanent deletion. High"],["C019","§623(a) imposes accuracy, correction, dispute indication and other initial furnisher duties.","S010 §1681s-2(a)(1)–(4)","Reasonable-cause/knowledge standards; not mere unsupported allegation. High"],["C020","§623(b) furnisher investigation/modify-delete-block responsibilities follow statutory CRA notice.","S010 §1681s-2(b)(1)–(2); S009 §1681i(a)(2)","Completion coordinated with CRA period. High"],["C021","Reg V direct dispute applies to covered liability, terms, payment-performance and relationship-creditworthiness information.","S012 §1022.43(a),(d)–(e)","Qualified furnisher/consumer dispute. High"],["C022","Reg V excludes several direct-dispute subjects and specified credit-repair-origin disputes.","S012 §1022.43(b)","CRA dispute route may remain available. High"],["C023","A direct dispute requires qualifying address, enough identifying information, reason and supporting information.","S012 §1022.43(c)–(d)","Exact designated-address facts control. High"],["C024","Reg V investigation/results follow §611-type timing; frivolous response has separate five-business-day post-determination clock.","S012 §1022.43(e)–(f); S009 §1681i(a)(1)","No absolute “30 days to delete” rule. High"],["C025","Individual damages under §§1681n/o do not ordinarily lie solely for §623(a)/RegV direct-dispute breach.","S010 §1681s-2(c)–(d); S018","§623(b) or different independent actionable duty may arise. High"],["C026","Accurately completed settlement may leave historical derogatory information but requires nonmisleading current balance/status.","S009 §1681e(b); S010 §1681s-2(a),(b); S039","Fact- and field-specific; no universal pay-for-delete entitlement. High principle, application factual"],["C027","Furnisher must report qualifying first-delinquency month/year within 90 days of first furnishing for collection/charge-off account.","S010 §1681s-2(a)(5)","DOFD tied to preceding delinquency, not sale/reporting date. High"],["C028","§1681c gives category-specific reporting ages including seven years after 180-day DOFD interval for collections/chargeoffs.","S016 §1681c(a),(b),(c)","§1681c(b) high-value exceptions; not litigation limitation. High"],["C029","Bankruptcy, judgment, tax-lien and older adverse reporting age differ by category; some CRA omissions are voluntary.","S016 §1681c(a)(1)–(5), (b); S007","No actual public-record or judgment-law investigation. High federal text"],["C030","January 2025 CFPB medical-debt rule was vacated July 11, 2025 and is not an operative blanket ban.","S022–S024, Document 52 pp.30–34, Document 53 pp.1–2","District judgment and CFPB current status; appellate subsequent history not commercially citator-certified. High current status"],["C031","Existing federal medical-provider identification, medical-use and veteran-specific protections remain separate.","S016 §1681c(a)(6)–(8); S009 §1681i(g); S021 §1022.30","Statutory classification and actual-knowledge predicates. High"],["C032","Three nationwide CRA publishers describe voluntary medical-reporting exclusions not automatically binding every CRA.","S026–S027, S028, CFPB medical FAQ","Exact $500 equality and account classification held. Medium-high for publisher statement"],["C033","§1681t and §1681h(e) require separate analyses of state statutory, common-law and subject-matter overlap.","S017 §§1681t(a),(b)(1)(E),(F), 1681h(e); S035; S025","2025 CFPB interpretation not binding merits judgment. High"],["C034","FCRA willful and negligent remedies, limitations and exceptions differ; §623(a) private pathway restricted.","S010(c),(d); S018 §§1681n,o,p","Willful $100–$1,000 option, negligent actual; no per-letter automatic amount. High"],["C035","Actual concrete injury, attribution and causation matter; internal-only data is not automatically federal standing.","S041; S036; S040","Case-specific; neither automatic standing nor categorical absence. High"],["C036","§1681g/j provides CRA file-access and annual free-report rights; nationwide weekly access is currently broader voluntary policy.","S019; S028","Not automatically weekly specialty CRA access. High"],["C037","Federal no-charge nationwide security freeze supersedes conflicting Wisconsin charge implication.","S020 §1681c-1(i); S005 §100.54","Other eligibility and access exceptions must be assessed. High"],["C038","DFI, CFPB and FTC complaint and guidance documents provide routes but not guaranteed relief or automatic tolling.","S028–S034","Actual jurisdiction and procedural sequencing matter. High"],["C039","Turner treats successive unflagged reports of known reasonable dispute as independently problematic under Wisconsin merits law.","S006 ¶¶23–27","Preemption not resolved by Turner. High"],["C040","Purcell holds broad preemption of state common-law furnishing theories within §1681t(b)(1)(F).","S035 printed pp.3–7; S017","Does not automatically preempt every independent collection behavior. High"],["C041","Ewing/Webster distinguishes transmitted reputational injury and adequate versus inadequate bona-fide-error procedures.","S036 printed pp.2–5, 8–16","Ewing affirmed; Webster reversed/remanded. High"],["C042","Westra allows investigation proportionate to limited CRA referral on its facts.","S037 printed pp.2–4","Cannot excuse ignoring richer evidence. High"],["C043","Chuluunbat differentiates complex legal validity issues from objectively verifiable reporting error.","S038 printed pp.6–13","CRA need not decide every contract issue; not categorical “legal dispute” rejection. High"],["C044","Frazier furnisher and CRA decisions apply context-based accuracy/materiality and actual causation analyses.","S039 printed pp.5–11; S040 majority pp.1–14","Mortgage fact pattern only; 2024 dissent not holding. High"],["C045","TransUnion requires concrete, claim-specific Article III injury; dissemination versus internal record distinction matters.","S041 majority opinion beginning zero PDF index 4","Individual case and claim differ. High"],["C046","Settlement, chargeoff, correction or payment does not itself promise deletion or any quantified score gain.","S009 §1681e(b); S010(a); S016; S039","Accurate historical negative information may persist. High"],["C047","Sale, reassignment, or collection placement does not itself reset DOFD or justify misleading simultaneous balances.","S010(a)(5); S016(c); S038","True ownership and roles determine outcome. High"],["C048","Public-record and bankruptcy reporting, underlying personal liability, and court enforceability must be separated.","S016 §1681c(a),(d); S010; S009","Full bankruptcy/judgment/limitations law excluded. High boundary"],["C049","Wisconsin WCA threshold and scope cannot simply be projected onto federal FCRA or all medical/commercial accounts.","S001; S042; S008; S014","Jan. 1, 2027 WCA change future-effective. High narrow"],["C050","CRA dispute/reporting correction does not by itself cancel an obligation, compel a litigation stay, or stop all collection.","S009 §1681i; S010 §1681s-2; S014 §1692g; S015 §1006.30","Independent legal rules might apply but require their own predicates. High"],["C051","CFPB's October 2025 broad-preemption interpretation withdrew an earlier narrower interpretation; agency guidance remains distinct from court/Act.","S025, 90 Fed. Reg. 48710–48715","Interpretive status, actual date Oct. 28, 2025. High"]]},{"headers":[],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Assigned issue or subquestion","Status","Claims","Missing evidence and exact next investigation"],["1. FCRA individual/CRA/furnisher/report-user definitions","Answered","C007–C008","Apply actual account, recipient and purpose facts only in an authorized later case"],["1. Original creditor vs federal debt collector","Answered at gateway","C001, C007, C010–C011","False-name, servicer and principal-purpose facts when material"],["1. Debt buyer vs assignee vs servicer","Partial","C007, C020, C043, C047","Assignment/control records and actor-specific reports; do not import PASS-02 conclusion"],["1. Consumer/guarantor/joint debtor vs commercial debt","Partial","C001, C007, C049","Actual purpose/guaranty and organization definitions; business debts excluded from general consumer conclusion"],["1. Wisconsin sufficient nexus","Partial","C001, C004","Transaction formation/communication locations and §421.201 application"],["1. First mortgage/secured/business exclusions","Partial/excluded","C049","Later mortgage, UCC/secured, and business-sector passes"],["2. Wisconsin false-creditworthiness conduct","Answered","C002","Actor knowledge and particular inaccurate statement require facts"],["2. Known reasonable-dispute disclosure","Answered","C003, C039","Communication, reasonable dispute and knowledge evidence"],["2. Original-creditor WCA coverage","Answered conditionally","C001–C004","Actual Wisconsin Consumer Act transaction predicates"],["2. Wisconsin private injury/penalty/limitations","Partial","C005–C006, C033–C034","Full state remedies, preemption, §427.105/§425.304 stacking, qualifying standing/cure"],["3. Reg F debt parking","Answered","C009","Actual covered collector, communication, nondelivery log, specialty-CRA exception"],["3. Reg F paid/settled/discharged debt transfers","Answered conditionally","C009, C026, C050","Exceptions and transfer contracts where actual facts arise"],["3. §1692e(8) reporting of disputes","Answered","C010–C011, C041","Specific reporting and knowledge proof"],["3. Late/oral dispute vs validation period","Answered","C011","Full validation procedure remains PASS-03 unreviewed"],["4. CRA §611 reinvestigation","Answered","C012–C018","Actual notification/response quality in any individual matter"],["4. Furnisher §623(a) accuracy/correction","Answered","C019, C025, C027","Actual data source, reasonable cause, and disputed status"],["4. Furnisher §623(b) after CRA referral","Answered","C012, C020","Evidence of actual CRA referral and supplied information"],["4. Direct dispute under §1022.43","Answered","C021–C025","Designated address, disputed subject, sufficient particulars"],["4. Frivolous/repeated dispute exception","Answered conditionally","C016, C022–C024","Actual reasons and previous information"],["5. CRA 30/45-day distinction","Answered","C013–C014","Exact receipt dates and qualifying new evidence"],["5. CRA forwarding and results","Answered","C015–C018","Actual business-day/holiday and receipt facts"],["5. Furnisher direct and referred timelines","Answered","C020, C024","Actual start/referral events"],["5. Reporting first delinquency within 90 days","Answered","C027","Actual qualifying first furnishing and DOFD"],["5. FDCPA validation versus CRA dispute periods","Answered at necessary crossover","C011, C050","Full validation analysis retained separately"],["5. Wisconsin state-only dispute clocks","Answered as no new credit-report-specific clock established","C003, C039","Subsequent state amendment or narrower sector regulation if identified"],["6. Correct/modify/delete/unverifiable outcomes","Answered","C013, C018–C020","Actual investigation findings"],["6. Pending-dispute notation","Answered conditionally","C003, C010, C019","Actor's knowledge, CRA notices, actual status"],["6. Reinsertion and certification","Answered","C018","Actual certification and notice"],["6. Identity, balance, wrong-owner and duplicate entries","Partial","C019–C020, C042–C043, C047","Record identifiers, assignment, ledger, factual versus judicial issues"],["6. Discharged/settled account investigations","Partial","C026, C044, C048","Agreement/order terms and account ledger"],["7. Paid/settled/paid-for-less reporting","Answered principle; factual application held","C026, C044, C046","Release, completion, current versus historical fields"],["7. Charge-off vs forgiveness","Answered","C026, C046","Underlying contract/ownership excluded"],["7. Ownership transfer vs original tradeline","Partial","C047","No absolute deletion rule; field-specific reporting and owners"],["7. Pay-for-delete","Unresolved as any particular entitlement","C026, C046","Actual creditor agreement/CRA policy; no statutory universal entitlement established"],["7. Date of first delinquency/re-aging","Answered","C027–C029, C047","Original source records and statutory date exceptions"],["8. Civil judgment/bankruptcy/tax-lien ages","Answered federal categories","C028–C029, C048","CRA voluntary policy and actual court records deliberately not checked"],["8. Wisconsin judgment enforceability","Excluded","C048","Separate litigation and limitations pass"],["8. Bankruptcy discharge vs credit balance","Partial","C048","Order, personal versus in rem effects, sector-specific bankruptcy reporting"],["9. 2025 medical rule status","Answered","C030","Continue verifying any appellate or later rulemaking status in future legal-currentness pass"],["9. Surviving medical restrictions","Answered conditionally","C031","Specific medical provider, use, veteran/VA facts"],["9. Voluntary paid/small/waiting medical policies","Partial","C032","CRA-specific current publisher wording, $500 equality and amount classification"],["9. Wisconsin medical-charity-care and sector protections","Excluded","C031–C032","Separate Wisconsin medical debt investigation"],["10. §1681t/§1681h(e) preemption","Answered at statutory/case level","C006, C033, C040, C051","Specific Wisconsin cause-of-action mapping and later public citator"],["10. Willful/negligent FCRA damages","Answered conditionally","C034–C035","Case injury/causation; no automatic recovery"],["10. FDCPA damages and bona fide error","Answered conditionally","C010, C034–C035, C041","Actual communication and procedures"],["10. State WCA penalty/limitation/cure and overlap","Partial","C005–C006, C033–C034","Complete separate Wisconsin remedies and case-specific preemption analysis"],["10. Public complaint tolling/private relief","Answered negatively as no automatic effect","C038","Applicable actual order or tolling statute if later asserted"],["11. Statutory free annual file disclosure","Answered","C036","CRA-specific additional entitlement"],["11. Voluntary weekly nationwide reports","Answered publisher guidance","C036","Publisher-policy currentness for future periods"],["11. Security freeze","Answered at necessary boundary","C037","Identity-theft alerts/blocks and full freeze operations excluded"],["11. Report file vs internal lender ledger access","Answered at necessary boundary","C036, C050","Other account-document laws and unsupplied contracts separate"],["12. DFI complaint program/form","Answered operationally","C038","No form submitted; authority/result not inferred"],["12. CFPB/FTC forms/guidance","Answered operationally","C038","Any unread linked model letters remain examples, not verified mandatory texts"],["12. Current model credit notice","Answered","C019, C038","Appendix B model not universal form"],["13. Wisconsin Turner","Answered","C039","Later federal preemption must be applied separately"],["13. Seventh Circuit preemption Purcell","Answered","C040","Future fact-specific cause and statutory-subject analysis"],["13. Westra, Chuluunbat, Frazier decisions","Answered bounded holdings","C042–C044","No broad legal-dispute exemption or score guarantee"],["13. Ewing/Webster, Ramirez standing","Answered bounded holdings","C035, C041, C045","Concrete harm cannot be determined hypothetically"],["13. Full citator, trial decisions, DFI final orders","Unresolved","C033–C045","Public opinion/history checks plus later full source review; no claim to comprehensive search"],["14. Actor-to-investigation decision flow","Answered","C012–C025, C050","Actual reporting data/notice chain excluded"],["14. Collection and lawsuit effect of reporting dispute","Answered limited distinction","C011, C050","Separate validation, limitations, litigation and remedies passes"],["14. Evidence and document classifications","Answered as research contract","C019–C024, C027, C036","Actual records outside authorization"],["14. Actual consumer, provider, score and dispute outcome","Excluded","C046, C050","No private records, user operation, or score model"],["Other seven-dimension Wisconsin, local, tribal and national work","Excluded","—","Full parent dossier remains open and unaccepted"]]}],"claims":[{"claim_id":"S_WI-P04-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WI-P04-C001","Precise assertion":"Wisconsin ch. 427 coverage depends on qualifying deferred-payment consumer/agricultural transaction and territorial facts.","Sources and pinpoints":"S001 §§421.201, .202, .301; S002 §427.104","Applicability, exceptions, currentness and confidence":"Original creditor can be covered; not all business accounts. High, reproduced state text"},"coordinator_verification_status":"held_for_current_Wisconsin_primary_verification","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S001","S_WI-P04-S002"],"coordinator_review_note":"Current statebody/Act105/remedy application not verified; high confidence/statecoverage cannot count accepted. HistoricalTurner support remains bounded."},{"claim_id":"S_WI-P04-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C002","Precise assertion":"Knowingly or negligently false adverse-creditworthiness disclosures are prohibited for covered Wisconsin collection actors.","Sources and pinpoints":"S002 §427.104(1)(c); S003 §74.16(3)","Applicability, exceptions, currentness and confidence":"Knowledge or reason-to-know, actor and debt predicates. High"},"coordinator_verification_status":"held_for_current_Wisconsin_primary_verification","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S002","S_WI-P04-S003"],"coordinator_review_note":"Current statebody/Act105/remedy application not verified; high confidence/statecoverage cannot count accepted. HistoricalTurner support remains bounded."},{"claim_id":"S_WI-P04-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C003","Precise assertion":"Known reasonably disputed debt cannot be disclosed without disputed status under the applicable Wisconsin rules.","Sources and pinpoints":"S002 §427.104(1)(f); S003 §74.16(7); S006 ¶¶23–27","Applicability, exceptions, currentness and confidence":"State collection disclosure, not automatic validation pause. High"},"coordinator_verification_status":"held_for_current_Wisconsin_primary_verification","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S002","S_WI-P04-S003","S_WI-P04-S006"],"coordinator_review_note":"Current statebody/Act105/remedy application not verified; high confidence/statecoverage cannot count accepted. HistoricalTurner support remains bounded."},{"claim_id":"S_WI-P04-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C004","Precise assertion":"Licensed-agency rule and ch. 427 have separate actor/transaction coverage.","Sources and pinpoints":"S001–S003","Applicability, exceptions, currentness and confidence":"Commercial licensee conduct possible without WCA consumer status. High"},"coordinator_verification_status":"held_for_current_Wisconsin_primary_verification","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S001","S_WI-P04-S002","S_WI-P04-S003"],"coordinator_review_note":"Current statebody/Act105/remedy application not verified; high confidence/statecoverage cannot count accepted. HistoricalTurner support remains bounded."},{"claim_id":"S_WI-P04-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C005","Precise assertion":"Wisconsin §427.105 can allow an injured person actual damages, including qualifying mental anguish, and applicable penalty subject to distinct legal conditions.","Sources and pinpoints":"S002 §427.105(1); S004 §425.304","Applicability, exceptions, currentness and confidence":"Not an automatic award; statutory interactions and preemption matter. High statute; case application held"},"coordinator_verification_status":"held_for_current_Wisconsin_primary_verification","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S002","S_WI-P04-S004"],"coordinator_review_note":"Current statebody/Act105/remedy application not verified; high confidence/statecoverage cannot count accepted. HistoricalTurner support remains bounded."},{"claim_id":"S_WI-P04-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C006","Precise assertion":"Federal subject-specific furnishing preemption can bar a Wisconsin claim independently of its state-law merits.","Sources and pinpoints":"S017 §1681t(b)(1)(F), §1681h(e); S035 pp.3–7","Applicability, exceptions, currentness and confidence":"Purcell rejects categorical malice workaround. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S017","S_WI-P04-S035"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C007","Precise assertion":"Federal FCRA actor/report-purpose coverage is distinct from Wisconsin ch. 427 and FDCPA actor/debt coverage.","Sources and pinpoints":"S008 §§1681a, b; S014 §1692a; S001","Applicability, exceptions, currentness and confidence":"Report consumer, CRA, furnisher, user and collection actor require separate tests. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S008","S_WI-P04-S014","S_WI-P04-S001"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C008","Precise assertion":"§1681b requires permissible report purposes, including qualifying account review/collection, but not unrestricted access.","Sources and pinpoints":"S008 §1681b(a)(3)(A)","Applicability, exceptions, currentness and confidence":"User purpose and consumer relationship needed. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S008"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C009","Precise assertion":"Covered Reg F collector must contact consumer about debt by phone/in person or send letter/electronic message and monitor reasonable undeliverability period before furnishing.","Sources and pinpoints":"S015 §1006.30(a)(1)–(2), comments 1–3","Applicability, exceptions, currentness and confidence":"14 consecutive days is documented reasonable period; specialty check-writing CRA exception. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S015"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance. Pre-furnishing claim is supported; does not supply b2 transfer-exception atomicclaim."},{"claim_id":"S_WI-P04-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C010","Precise assertion":"FDCPA §1692e(8) prohibits communicating known/should-known false credit information, including omitted disputed status.","Sources and pinpoints":"S014 §1692e(8); S036 pp.2–5, 8–16","Applicability, exceptions, currentness and confidence":"Federal covered collector/debt required; oral/late notice can matter. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S014","S_WI-P04-S036"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C011","Precise assertion":"FDCPA disputed-status rule is separate from §1692g timely written validation/pause.","Sources and pinpoints":"S014 §§1692e(8), 1692g(a)–(c)","Applicability, exceptions, currentness and confidence":"No universal pause from every late/oral dispute. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S014"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C012","Precise assertion":"CRA §611 and furnisher §623(a), §623(b), and Regulation V are distinct legal routes.","Sources and pinpoints":"S009 §1681i; S010 §1681s-2; S012 §1022.43","Applicability, exceptions, currentness and confidence":"Consumer-to-furnisher notice does not itself trigger §623(b). High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S009","S_WI-P04-S010","S_WI-P04-S012"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C013","Precise assertion":"CRA must reasonably reinvestigate qualifying consumer-disputed file items without charge subject to statutory exceptions.","Sources and pinpoints":"S009 §1681i(a)(1),(3)–(5)","Applicability, exceptions, currentness and confidence":"Qualified dispute/CRA/file and frivolous rules. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S009"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C014","Precise assertion":"CRA 30-day period may extend up to 15 days only on statutory additional-relevant-information facts.","Sources and pinpoints":"S009 §1681i(a)(1)(A)–(C)","Applicability, exceptions, currentness and confidence":"No extension after specified early adverse/unverifiable determinations. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S009"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C015","Precise assertion":"CRA forwards relevant dispute information within five business days, later information promptly.","Sources and pinpoints":"S009 §1681i(a)(2)(A)–(B)","Applicability, exceptions, currentness and confidence":"Trigger is CRA receipt. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S009"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C016","Precise assertion":"CRA frivolous/irrelevant determination requires reasoned notice within five business days after determination.","Sources and pinpoints":"S009 §1681i(a)(3)","Applicability, exceptions, currentness and confidence":"Missing-info guidance required. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S009"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C017","Precise assertion":"CRA results notice, consumer statement, procedure-description and earlier-recipient notification are conditional statutory rights.","Sources and pinpoints":"S009 §1681i(a)(6)–(8), (b)–(d)","Applicability, exceptions, currentness and confidence":"Distinct five-business-day and 15-day periods and recipient lookbacks. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S009"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C018","Precise assertion":"Deleted information can be reinserted only under accuracy/completeness certification and statutory notice/anti-reappearance requirements.","Sources and pinpoints":"S009 §1681i(a)(5)(B)–(C)","Applicability, exceptions, currentness and confidence":"Five-business-day reinsertion notice, not unconditional permanent deletion. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S009"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C019","Precise assertion":"§623(a) imposes accuracy, correction, dispute indication and other initial furnisher duties.","Sources and pinpoints":"S010 §1681s-2(a)(1)–(4)","Applicability, exceptions, currentness and confidence":"Reasonable-cause/knowledge standards; not mere unsupported allegation. High"},"coordinator_verification_status":"correction_required_a1C_predicate","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S010"],"coordinator_review_note":"Add a1C designatedaddress qualification and a1B predicates, distinct from a2/a3 and directdispute rules."},{"claim_id":"S_WI-P04-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C020","Precise assertion":"§623(b) furnisher investigation/modify-delete-block responsibilities follow statutory CRA notice.","Sources and pinpoints":"S010 §1681s-2(b)(1)–(2); S009 §1681i(a)(2)","Applicability, exceptions, currentness and confidence":"Completion coordinated with CRA period. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S010","S_WI-P04-S009"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C021","Precise assertion":"Reg V direct dispute applies to covered liability, terms, payment-performance and relationship-creditworthiness information.","Sources and pinpoints":"S012 §1022.43(a),(d)–(e)","Applicability, exceptions, currentness and confidence":"Qualified furnisher/consumer dispute. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S012"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C022","Precise assertion":"Reg V excludes several direct-dispute subjects and specified credit-repair-origin disputes.","Sources and pinpoints":"S012 §1022.43(b)","Applicability, exceptions, currentness and confidence":"CRA dispute route may remain available. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S012"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C023","Precise assertion":"A direct dispute requires qualifying address, enough identifying information, reason and supporting information.","Sources and pinpoints":"S012 §1022.43(c)–(d)","Applicability, exceptions, currentness and confidence":"Exact designated-address facts control. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S012"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C024","Precise assertion":"Reg V investigation/results follow §611-type timing; frivolous response has separate five-business-day post-determination clock.","Sources and pinpoints":"S012 §1022.43(e)–(f); S009 §1681i(a)(1)","Applicability, exceptions, currentness and confidence":"No absolute “30 days to delete” rule. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S012","S_WI-P04-S009"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C025","Precise assertion":"Individual damages under §§1681n/o do not ordinarily lie solely for §623(a)/RegV direct-dispute breach.","Sources and pinpoints":"S010 §1681s-2(c)–(d); S018","Applicability, exceptions, currentness and confidence":"§623(b) or different independent actionable duty may arise. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S010","S_WI-P04-S018"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C026","Precise assertion":"Accurately completed settlement may leave historical derogatory information but requires nonmisleading current balance/status.","Sources and pinpoints":"S009 §1681e(b); S010 §1681s-2(a),(b); S039","Applicability, exceptions, currentness and confidence":"Fact- and field-specific; no universal pay-for-delete entitlement. High principle, application factual"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S009","S_WI-P04-S010","S_WI-P04-S039"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C027","Precise assertion":"Furnisher must report qualifying first-delinquency month/year within 90 days of first furnishing for collection/charge-off account.","Sources and pinpoints":"S010 §1681s-2(a)(5)","Applicability, exceptions, currentness and confidence":"DOFD tied to preceding delinquency, not sale/reporting date. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S010"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C028","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C028","Precise assertion":"§1681c gives category-specific reporting ages including seven years after 180-day DOFD interval for collections/chargeoffs.","Sources and pinpoints":"S016 §1681c(a),(b),(c)","Applicability, exceptions, currentness and confidence":"§1681c(b) high-value exceptions; not litigation limitation. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S016"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C029","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C029","Precise assertion":"Bankruptcy, judgment, tax-lien and older adverse reporting age differ by category; some CRA omissions are voluntary.","Sources and pinpoints":"S016 §1681c(a)(1)–(5), (b); S007","Applicability, exceptions, currentness and confidence":"No actual public-record or judgment-law investigation. High federal text"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S016","S_WI-P04-S007"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C030","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C030","Precise assertion":"January 2025 CFPB medical-debt rule was vacated July 11, 2025 and is not an operative blanket ban.","Sources and pinpoints":"S022–S024, Document 52 pp.30–34, Document 53 pp.1–2","Applicability, exceptions, currentness and confidence":"District judgment and CFPB current status; appellate subsequent history not commercially citator-certified. High current status"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S022","S_WI-P04-S023","S_WI-P04-S024"],"coordinator_review_note":"Document52remedy/53judgment plus currentCFPBnotice support narrowvacaturstatus. Amendments were final, not merelyproposed. No fullappeal/citator clearance."},{"claim_id":"S_WI-P04-C031","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C031","Precise assertion":"Existing federal medical-provider identification, medical-use and veteran-specific protections remain separate.","Sources and pinpoints":"S016 §1681c(a)(6)–(8); S009 §1681i(g); S021 §1022.30","Applicability, exceptions, currentness and confidence":"Statutory classification and actual-knowledge predicates. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S016","S_WI-P04-S009","S_WI-P04-S021"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C032","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C032","Precise assertion":"Three nationwide CRA publishers describe voluntary medical-reporting exclusions not automatically binding every CRA.","Sources and pinpoints":"S026–S027, S028, CFPB medical FAQ","Applicability, exceptions, currentness and confidence":"Exact $500 equality and account classification held. Medium-high for publisher statement"},"coordinator_verification_status":"clarification_required_publisher_scope","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S026","S_WI-P04-S027","S_WI-P04-S028"],"coordinator_review_note":"TUandExperianselectedpublisherwording checked; do not label allthree actualpublisherreads or infer500equality/allproducts."},{"claim_id":"S_WI-P04-C033","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C033","Precise assertion":"§1681t and §1681h(e) require separate analyses of state statutory, common-law and subject-matter overlap.","Sources and pinpoints":"S017 §§1681t(a),(b)(1)(E),(F), 1681h(e); S035; S025","Applicability, exceptions, currentness and confidence":"2025 CFPB interpretation not binding merits judgment. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S017","S_WI-P04-S035","S_WI-P04-S025"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C034","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C034","Precise assertion":"FCRA willful and negligent remedies, limitations and exceptions differ; §623(a) private pathway restricted.","Sources and pinpoints":"S010(c),(d); S018 §§1681n,o,p","Applicability, exceptions, currentness and confidence":"Willful $100–$1,000 option, negligent actual; no per-letter automatic amount. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S010","S_WI-P04-S018"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance. FCRAclaim does not by itself supply atomicFDCPA1692k remedy/limitations coverage."},{"claim_id":"S_WI-P04-C035","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C035","Precise assertion":"Actual concrete injury, attribution and causation matter; internal-only data is not automatically federal standing.","Sources and pinpoints":"S041; S036; S040","Applicability, exceptions, currentness and confidence":"Case-specific; neither automatic standing nor categorical absence. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S041","S_WI-P04-S036","S_WI-P04-S040"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C036","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C036","Precise assertion":"§1681g/j provides CRA file-access and annual free-report rights; nationwide weekly access is currently broader voluntary policy.","Sources and pinpoints":"S019; S028","Applicability, exceptions, currentness and confidence":"Not automatically weekly specialty CRA access. High"},"coordinator_verification_status":"partial_primary_support_current_statute_hold","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S019","S_WI-P04-S028"],"coordinator_review_note":"1681gfile/score distinction checked;1681jexactandoneofficialalternatefailed. Annual/weekly distinction has FTCguidance support, currentannualstatute body not confirmed."},{"claim_id":"S_WI-P04-C037","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C037","Precise assertion":"Federal no-charge nationwide security freeze supersedes conflicting Wisconsin charge implication.","Sources and pinpoints":"S020 §1681c-1(i); S005 §100.54","Applicability, exceptions, currentness and confidence":"Other eligibility and access exceptions must be assessed. High"},"coordinator_verification_status":"clarification_required_freeze_pinpoint_currency","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S020","S_WI-P04-S005"],"coordinator_review_note":"OLRC119-118body supports free i2/i3 and exceptions i4; j is protectedconsumers. Exact119-124failed; currentWIfee body alsofailed; noheaderupgrade."},{"claim_id":"S_WI-P04-C038","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C038","Precise assertion":"DFI, CFPB and FTC complaint and guidance documents provide routes but not guaranteed relief or automatic tolling.","Sources and pinpoints":"S028–S034","Applicability, exceptions, currentness and confidence":"Actual jurisdiction and procedural sequencing matter. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S028","S_WI-P04-S029","S_WI-P04-S030","S_WI-P04-S031","S_WI-P04-S032","S_WI-P04-S033","S_WI-P04-S034"],"coordinator_review_note":"Publicguidance/formtext supports only describedintake/evidence routes andnoautomaticrelief; no form/contact; negativeinformationmodel needs ownatomicclaim."},{"claim_id":"S_WI-P04-C039","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C039","Precise assertion":"Turner treats successive unflagged reports of known reasonable dispute as independently problematic under Wisconsin merits law.","Sources and pinpoints":"S006 ¶¶23–27","Applicability, exceptions, currentness and confidence":"Preemption not resolved by Turner. High"},"coordinator_verification_status":"source_pinpoint_correction_required","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S006"],"coordinator_review_note":"HistoricalTurnermerits support; correct zeroPDF12-14 not11-13; separate federalpreemption/currentness."},{"claim_id":"S_WI-P04-C040","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C040","Precise assertion":"Purcell holds broad preemption of state common-law furnishing theories within §1681t(b)(1)(F).","Sources and pinpoints":"S035 printed pp.3–7; S017","Applicability, exceptions, currentness and confidence":"Does not automatically preempt every independent collection behavior. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S035","S_WI-P04-S017"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C041","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C041","Precise assertion":"Ewing/Webster distinguishes transmitted reputational injury and adequate versus inadequate bona-fide-error procedures.","Sources and pinpoints":"S036 printed pp.2–5, 8–16","Applicability, exceptions, currentness and confidence":"Ewing affirmed; Webster reversed/remanded. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S036"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C042","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C042","Precise assertion":"Westra allows investigation proportionate to limited CRA referral on its facts.","Sources and pinpoints":"S037 printed pp.2–4","Applicability, exceptions, currentness and confidence":"Cannot excuse ignoring richer evidence. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S037"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C043","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C043","Precise assertion":"Chuluunbat differentiates complex legal validity issues from objectively verifiable reporting error.","Sources and pinpoints":"S038 printed pp.6–13","Applicability, exceptions, currentness and confidence":"CRA need not decide every contract issue; not categorical “legal dispute” rejection. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S038"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C044","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C044","Precise assertion":"Frazier furnisher and CRA decisions apply context-based accuracy/materiality and actual causation analyses.","Sources and pinpoints":"S039 printed pp.5–11; S040 majority pp.1–14","Applicability, exceptions, currentness and confidence":"Mortgage fact pattern only; 2024 dissent not holding. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S039","S_WI-P04-S040"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C045","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C045","Precise assertion":"TransUnion requires concrete, claim-specific Article III injury; dissemination versus internal record distinction matters.","Sources and pinpoints":"S041 majority opinion beginning zero PDF index 4","Applicability, exceptions, currentness and confidence":"Individual case and claim differ. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S041"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C046","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C046","Precise assertion":"Settlement, chargeoff, correction or payment does not itself promise deletion or any quantified score gain.","Sources and pinpoints":"S009 §1681e(b); S010(a); S016; S039","Applicability, exceptions, currentness and confidence":"Accurate historical negative information may persist. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S009","S_WI-P04-S010","S_WI-P04-S016","S_WI-P04-S039"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C047","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C047","Precise assertion":"Sale, reassignment, or collection placement does not itself reset DOFD or justify misleading simultaneous balances.","Sources and pinpoints":"S010(a)(5); S016(c); S038","Applicability, exceptions, currentness and confidence":"True ownership and roles determine outcome. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S010","S_WI-P04-S016","S_WI-P04-S038"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C048","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C048","Precise assertion":"Public-record and bankruptcy reporting, underlying personal liability, and court enforceability must be separated.","Sources and pinpoints":"S016 §1681c(a),(d); S010; S009","Applicability, exceptions, currentness and confidence":"Full bankruptcy/judgment/limitations law excluded. High boundary"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S016","S_WI-P04-S010","S_WI-P04-S009"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C049","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C049","Precise assertion":"Wisconsin WCA threshold and scope cannot simply be projected onto federal FCRA or all medical/commercial accounts.","Sources and pinpoints":"S001; S042; S008; S014","Applicability, exceptions, currentness and confidence":"Jan. 1, 2027 WCA change future-effective. High narrow"},"coordinator_verification_status":"held_for_current_Wisconsin_primary_verification","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S001","S_WI-P04-S042","S_WI-P04-S008","S_WI-P04-S014"],"coordinator_review_note":"Current statebody/Act105/remedy application not verified; high confidence/statecoverage cannot count accepted. HistoricalTurner support remains bounded."},{"claim_id":"S_WI-P04-C050","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C050","Precise assertion":"CRA dispute/reporting correction does not by itself cancel an obligation, compel a litigation stay, or stop all collection.","Sources and pinpoints":"S009 §1681i; S010 §1681s-2; S014 §1692g; S015 §1006.30","Applicability, exceptions, currentness and confidence":"Independent legal rules might apply but require their own predicates. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S009","S_WI-P04-S010","S_WI-P04-S014","S_WI-P04-S015"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."},{"claim_id":"S_WI-P04-C051","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C051","Precise assertion":"CFPB's October 2025 broad-preemption interpretation withdrew an earlier narrower interpretation; agency guidance remains distinct from court/Act.","Sources and pinpoints":"S025, 90 Fed. Reg. 48710–48715","Applicability, exceptions, currentness and confidence":"Interpretive status, actual date Oct. 28, 2025. High"},"coordinator_verification_status":"selected_primary_support_with_limits","id_normalization":"ExplicitP04context mechanicalprefixqualification; rawcellunchanged/no newlegalclaim.","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_source_ids":["S_WI-P04-S025"],"coordinator_review_note":"Selected cited material checked within source-check scopes; no actual account, complete source-currentness/citator or parent acceptance."}],"sources":[{"researcher_record":{"ID":"S_WI-P04-S001","Issuer, title, full direct literal URL":"Wisconsin Legislature, Wis. Stat. §§421.201, 421.202, 421.301. https://docs.legis.wisconsin.gov/statutes/statutes/421/ii/201 https://docs.legis.wisconsin.gov/statutes/statutes/421/ii/202 https://docs.legis.wisconsin.gov/statutes/statutes/421/iii/301 Access copies: https://law.justia.com/codes/wisconsin/chapter-421/section-421-201/ https://law.justia.com/codes/wisconsin/chapter-421/section-421-202/ https://law.justia.com/codes/wisconsin/chapter-421/section-421-301/","Exact clause, version, and effective status":"§421.201 territorial application; §421.202 exclusions; §421.301 customer, transaction and merchant definitions. 2025 statutory reproduction, effective-current provisions","Access/limits":"R; official integrated pages failed/time-out. No full official-section read claimed"},"coordinator_verification_status":"current_primary_unverified_held","source_id":"S_WI-P04-S001","urls":["https://docs.legis.wisconsin.gov/statutes/statutes/421/ii/201","https://docs.legis.wisconsin.gov/statutes/statutes/421/ii/202","https://docs.legis.wisconsin.gov/statutes/statutes/421/iii/301","https://law.justia.com/codes/wisconsin/chapter-421/section-421-201/","https://law.justia.com/codes/wisconsin/chapter-421/section-421-202/","https://law.justia.com/codes/wisconsin/chapter-421/section-421-301/"],"id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"Official421.201/.202/.301 failed; no current operative body verified. Researcher state reproductions remain separately attributed."},{"source_id":"S_WI-P04-S002","urls":["https://docs.legis.wisconsin.gov/statutes/statutes/427/104","https://docs.legis.wisconsin.gov/statutes/statutes/427/105","https://law.justia.com/codes/wisconsin/chapter-427/section-427-104/","https://law.justia.com/codes/wisconsin/chapter-427/section-427-105/"],"researcher_record":{"ID":"S002","Issuer, title, full direct literal URL":"Wisconsin Legislature, Wis. Stat. §§427.104, 427.105. https://docs.legis.wisconsin.gov/statutes/statutes/427/104 https://docs.legis.wisconsin.gov/statutes/statutes/427/105 Read-aids: https://law.justia.com/codes/wisconsin/chapter-427/section-427-104/ https://law.justia.com/codes/wisconsin/chapter-427/section-427-105/","Exact clause, version, and effective status":"§427.104(1)(c),(e),(f), (2); §427.105(1). Current 2025 reproduction","Access/limits":"R; official integrated read failed. Used only within ch. 427 scope"},"coordinator_verification_status":"current_primary_unverified_held","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"Official427.104/.105 and one official chapter PDF failed. Turner historical text does not authenticate current statute or all remedy interactions."},{"source_id":"S_WI-P04-S003","urls":["https://docs.legis.wisconsin.gov/code/admin_code/dfi/dfi_bkg/74","https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-16"],"researcher_record":{"ID":"S003","Issuer, title, full direct literal URL":"Wisconsin DFI, Wis. Admin. Code DFI-Bkg 74.16. Official https://docs.legis.wisconsin.gov/code/admin_code/dfi/dfi_bkg/74 Current rule reproduction: https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-16","Exact clause, version, and effective status":"Subsections (3), (6), (7): creditworthiness, privacy and disputed status. Current rule as reproduced","Access/limits":"R; official integrated chapter failed. Licensee-rule predicates separate from ch. 427"},"coordinator_verification_status":"current_primary_unverified_held","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"OfficialDFI74 chapter failed. Licensee scope and74.16(3)/(6)/(7) remain researcher-reproduction claims, not a newly verified rule body."},{"source_id":"S_WI-P04-S004","urls":["https://docs.legis.wisconsin.gov/statutes/statutes/425/304","https://docs.legis.wisconsin.gov/statutes/statutes/425/307","https://law.justia.com/codes/wisconsin/chapter-425/section-425-304/","https://law.justia.com/codes/wisconsin/chapter-425/section-425-307/"],"researcher_record":{"ID":"S004","Issuer, title, full direct literal URL":"Wisconsin Legislature, Wis. Stat. §§425.304 and 425.307. https://docs.legis.wisconsin.gov/statutes/statutes/425/304 https://docs.legis.wisconsin.gov/statutes/statutes/425/307 Access copies: https://law.justia.com/codes/wisconsin/chapter-425/section-425-304/ https://law.justia.com/codes/wisconsin/chapter-425/section-425-307/","Exact clause, version, and effective status":"§425.304(1)–(2) penalty comparison; §425.307(1)–(2) time limits. Current 2025 reproduction","Access/limits":"R, narrow remedy/limit gateway, not full Wisconsin-remedies pass"},"coordinator_verification_status":"current_primary_unverified_held","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"Official425.304/.307 and one425 chapter PDF failed. Formula, stacking, limitations and actual remedy entitlement held;320 arithmetic alone checked."},{"source_id":"S_WI-P04-S005","urls":["https://docs.legis.wisconsin.gov/statutes/statutes/100/54","https://law.justia.com/codes/wisconsin/chapter-100/section-100-54/"],"researcher_record":{"ID":"S005","Issuer, title, full direct literal URL":"Wisconsin Legislature, Wis. Stat. §100.54. https://docs.legis.wisconsin.gov/statutes/statutes/100/54 Access copy: https://law.justia.com/codes/wisconsin/chapter-100/section-100-54/","Exact clause, version, and effective status":"§100.54 security-freeze provisions including exceptions and historic fee structure; 2025 reproduction","Access/limits":"R; Wisconsin face-text fee must be reconciled against federal mandatory-freeze law"},"coordinator_verification_status":"current_primary_unverified_held","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"Official100.54 failed. No current state fee/exception body read; federal freeze branch must use its own exact authority."},{"source_id":"S_WI-P04-S006","urls":["https://www.wicourts.gov/ca/opinion/DisplayDocument.pdf?content=pdf&seqNo=16274"],"researcher_record":{"ID":"S006","Issuer, title, full direct literal URL":"Wisconsin Court of Appeals, Turner v. Gene Dencker Buick-Pontiac, Inc., 2001 WI App 28. https://www.wicourts.gov/ca/opinion/DisplayDocument.pdf?content=pdf&seqNo=16274","Exact clause, version, and effective status":"¶¶23–27, especially ¶¶25–26; printed pp.12–14, zero-based PDF indexes 11–13; published 16-page majority opinion","Access/limits":"O/P; historical Wisconsin merits holding, federal preemption separately evaluated"},"coordinator_verification_status":"selected_primary_text_pinpoint_correction_required","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"Turner16page official PDF material paragraphs23-27: printed12-14 correspond zeroPDF12-14 because of cover; report11-13 map wrong. Historical merits only, not preemption/currentness/pixel/citator certification."},{"source_id":"S_WI-P04-S007","urls":["https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/FairCreditReportingAct.aspx","https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/HowLongDataReported.aspx"],"researcher_record":{"ID":"S007","Issuer, title, full direct literal URL":"Wisconsin DFI, credit-information and age guidance. https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/HowLongDataReported.aspx https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/FairCreditReportingAct.aspx","Exact clause, version, and effective status":"Public consumer guidance on adverse-information age and FCRA; current agency pages","Access/limits":"F; explanatory, not independent authority overriding federal statute"},"coordinator_verification_status":"selected_primary_guidance_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"BothDFIpublic guides read. Guidance includes broad age/accuracy shorthand, does not displace exact1681c exceptions/DOFD or separate verification of Wisconsin judgment enforceability."},{"source_id":"S_WI-P04-S008","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1681a/","https://uscode.house.gov/us/usc/119-124/t15/s1681b/"],"researcher_record":{"ID":"S008","Issuer, title, full direct literal URL":"U.S. House Office of Law Revision Counsel, FCRA definitions and permissible purposes. https://uscode.house.gov/us/usc/119-124/t15/s1681a/ https://uscode.house.gov/us/usc/119-124/t15/s1681b/","Exact clause, version, and effective status":"15 U.S.C. §§1681a, 1681b(a), (a)(3)(A). Text through Pub. L. 119-124, Oct. 15, 2026","Access/limits":"O/F, current federal statute"},"coordinator_verification_status":"selected_primary_text_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"1681a consumer/report/CRA definitions and1681b(a), especially(a)(3)(A), read. PubL119-124 Oct15 header; no unrestricted purpose or every definition certified."},{"source_id":"S_WI-P04-S009","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1681e/","https://uscode.house.gov/us/usc/119-124/t15/s1681i/"],"researcher_record":{"ID":"S009","Issuer, title, full direct literal URL":"U.S. House OLRC, CRA accuracy and reinvestigation. https://uscode.house.gov/us/usc/119-124/t15/s1681e/ https://uscode.house.gov/us/usc/119-124/t15/s1681i/","Exact clause, version, and effective status":"§§1681e(b); 1681i(a)(1)–(8), (b)–(d), (f), (g); current through Pub. L. 119-124","Access/limits":"O/F, including forwarding, extension, deletion, reinsertion and results"},"coordinator_verification_status":"selected_primary_text_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"1681e(b);1681i reinvestigation,30/conditional15, forwarding, frivolous, reinsertion, results/procedure/statement/recipients and selected veteran boundary read. No calendar/individual result validated."},{"source_id":"S_WI-P04-S010","urls":["https://uscode.house.gov/us/usc/119-120/t15/s1681s-2/"],"researcher_record":{"ID":"S010","Issuer, title, full direct literal URL":"U.S. House OLRC, duties of furnishers. https://uscode.house.gov/us/usc/119-120/t15/s1681s-2/","Exact clause, version, and effective status":"§1681s-2(a)(1)–(5), (7), (9), (b), (c), (d). Page compiled through Pub. L. 119-120, Oct. 7, 2026","Access/limits":"O/F; no later targeted amendment located, but this page's compilation date is not represented as Oct. 15"},"coordinator_verification_status":"selected_primary_text_material_correction_required","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"1681s-2 a1 address qualification,a2-5,a7-9,b,c,d read with119-120 Oct7header. Report omits a1C branch; a7 needs its own claim/coverage. Direct-notice and CRA-referral routes remain distinct."},{"source_id":"S_WI-P04-S011","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1022/42/"],"researcher_record":{"ID":"S011","Issuer, title, full direct literal URL":"CFPB, Regulation V §1022.42. https://www.consumerfinance.gov/rules-policy/regulations/1022/42/","Exact clause, version, and effective status":"Reasonable accuracy/integrity policies and procedures; operative current CFPB regulation","Access/limits":"O/F, relevant to furnishing system rather than an individual automatic production duty"},"coordinator_verification_status":"primary_rule_text_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"1022.42(a)-(c) written policies, appropriateness,consideration/incorporation of suitable AppendixEguidelines, periodicreview read; no blanket individual document-production duty."},{"source_id":"S_WI-P04-S012","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1022/43/"],"researcher_record":{"ID":"S012","Issuer, title, full direct literal URL":"CFPB, Regulation V §1022.43. https://www.consumerfinance.gov/rules-policy/regulations/1022/43/","Exact clause, version, and effective status":"(a)–(g), including direct dispute covered subjects, exclusions, dispute addresses, content, investigation and frivolous procedure; official commentary","Access/limits":"O/F, current"},"coordinator_verification_status":"selected_primary_rule_text_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"1022.43 covered/excluded subjects,address/content,investigation/timing,frivolous/repeat exceptions and notices read in prior packet2. No universal30days-to-delete result."},{"source_id":"S_WI-P04-S013","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1022/e/"],"researcher_record":{"ID":"S013","Issuer, title, full direct literal URL":"CFPB, Regulation V Appendix E. https://www.consumerfinance.gov/rules-policy/regulations/1022/e/","Exact clause, version, and effective status":"Furnisher accuracy/integrity guidelines under §1022.42","Access/limits":"O/F, current; policy framework is not a universal production form"},"coordinator_verification_status":"selected_primary_guideline_text_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"AppendixE introductory requirements and I/II material text read; rest not comprehensively re-read. System-policy guidance, not universal account-production form."},{"source_id":"S_WI-P04-S014","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1692a/","https://uscode.house.gov/us/usc/119-124/t15/s1692e/","https://uscode.house.gov/us/usc/119-124/t15/s1692g/","https://uscode.house.gov/us/usc/119-124/t15/s1692k/"],"researcher_record":{"ID":"S014","Issuer, title, full direct literal URL":"U.S. House OLRC, FDCPA definitions, deceptive practices, validation, civil liability. https://uscode.house.gov/us/usc/119-124/t15/s1692a/ https://uscode.house.gov/us/usc/119-124/t15/s1692e/ https://uscode.house.gov/us/usc/119-124/t15/s1692g/ https://uscode.house.gov/us/usc/119-124/t15/s1692k/","Exact clause, version, and effective status":"§§1692a(5)–(6), 1692e(8), 1692g(a)–(c), 1692k(a)–(d), current through Pub. L. 119-124","Access/limits":"O/F; only disputed-status, validation distinction and narrow remedies"},"coordinator_verification_status":"selected_primary_text_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"1692a(5)-(6) actor/debt/exclusions;1692e(8);1692g(a)-(e);1692k material remedies/limitation read. No fullFDCPA dossier; damages row requires precise atomic crosslink."},{"source_id":"S_WI-P04-S015","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1006/30/"],"researcher_record":{"ID":"S015","Issuer, title, full direct literal URL":"CFPB, Regulation F §1006.30. https://www.consumerfinance.gov/rules-policy/regulations/1006/30/","Exact clause, version, and effective status":"§1006.30(a)(1)–(2), official comments 30(a)(1)-1–3; §1006.30(b)(1)–(2) transfers/exceptions","Access/limits":"O/F, current, including 14-consecutive-day interpretation and nondelivery examples"},"coordinator_verification_status":"primary_rule_text_material_correction_required","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"1006.30(a) and comments plus(b)(1)-(2) read. Report substitutes exchangesrequiredbylaw for actual enumerated transfer exceptions. Needs explicit actual list and own atomic claim."},{"source_id":"S_WI-P04-S016","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1681c/"],"researcher_record":{"ID":"S016","Issuer, title, full direct literal URL":"U.S. House OLRC, FCRA age/obsolescence. https://uscode.house.gov/us/usc/119-124/t15/s1681c/","Exact clause, version, and effective status":"§1681c(a)(1)–(8), (b), (c)(1), (d), (f). Current through Pub. L. 119-124","Access/limits":"O/F, age categories, DOFD and medical/veteran provisions"},"coordinator_verification_status":"selected_primary_text_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"1681c age categories,high-value exceptions,DOFD180dayinterval,medical/veteran categories read. No actual deletion date/court enforceability determined."},{"source_id":"S_WI-P04-S017","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1681h/","https://uscode.house.gov/us/usc/119-124/t15/s1681t/"],"researcher_record":{"ID":"S017","Issuer, title, full direct literal URL":"U.S. House OLRC, federal preemption and limited tort-action exception. https://uscode.house.gov/us/usc/119-124/t15/s1681t/ https://uscode.house.gov/us/usc/119-124/t15/s1681h/","Exact clause, version, and effective status":"§§1681t(a), (b)(1)(E), (F), (J); 1681h(e). Current through Pub. L. 119-124","Access/limits":"O/F, precise subject-matter exclusions control"},"coordinator_verification_status":"selected_primary_text_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"1681t selected subject-specific provisions and1681h(e) limited tort-action wording read. Malice does not erase separate1681t furnishing preemption under Purcell."},{"source_id":"S_WI-P04-S018","urls":["https://uscode.house.gov/us/usc/119-120/t15/s1681n/","https://uscode.house.gov/us/usc/119-120/t15/s1681o/","https://uscode.house.gov/us/usc/119-120/t15/s1681p/"],"researcher_record":{"ID":"S018","Issuer, title, full direct literal URL":"U.S. House OLRC, private FCRA claims and limitations. https://uscode.house.gov/us/usc/119-120/t15/s1681n/ https://uscode.house.gov/us/usc/119-120/t15/s1681o/ https://uscode.house.gov/us/usc/119-120/t15/s1681p/","Exact clause, version, and effective status":"Willful remedies §1681n; negligent §1681o; limitations §1681p. Compiled through Pub. L. 119-120","Access/limits":"O/F, narrow limits; no current later amendment found in targeted check"},"coordinator_verification_status":"selected_primary_text_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"1681n/o/p operative remedy and limitations text read,119-120 Oct7header. Willfulness/negligence,duties,standing,causation and limitation facts remain conditional."},{"source_id":"S_WI-P04-S019","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1681g/","https://uscode.house.gov/us/usc/119-124/t15/s1681j/"],"researcher_record":{"ID":"S019","Issuer, title, full direct literal URL":"U.S. House OLRC, file access/free disclosures. https://uscode.house.gov/us/usc/119-124/t15/s1681g/ https://uscode.house.gov/us/usc/119-124/t15/s1681j/","Exact clause, version, and effective status":"§§1681g(a), (f); 1681j(a), (c). Current through Pub. L. 119-124","Access/limits":"O/F, annual statutory free reports and conditional additional disclosures"},"coordinator_verification_status":"partial_primary_access_with_currentness_hold","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"1681g(a),(c),(f) material body read with119-124header. Exact1681j route and one search-discovered officialprelim alternate failed. Annual/weekly distinction supported by FTCguidance; current1681j clause body not independently confirmed."},{"source_id":"S_WI-P04-S020","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1681c-1/"],"researcher_record":{"ID":"S020","Issuer, title, full direct literal URL":"U.S. House OLRC, fraud alerts/security freezes. https://uscode.house.gov/us/usc/119-124/t15/s1681c-1/","Exact clause, version, and effective status":"§1681c-1(i) federal no-charge freeze, (j) exceptions; fraud alert background","Access/limits":"O/F, identity-theft protocol excluded beyond necessary branch"},"coordinator_verification_status":"older_official_body_pinpoint_correction_required","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"Exact119-124routefailed. Search-discovered OLRC119-118editionbody read: i(2)/(3)free placement/removal and i(4)exceptions; j concerns protected consumers. No Oct15header/currentness upgrade. Reportj-as-exceptions pinpoint wrong."},{"source_id":"S_WI-P04-S021","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1022/30/"],"researcher_record":{"ID":"S021","Issuer, title, full direct literal URL":"CFPB, Regulation V medical-information rules. https://www.consumerfinance.gov/rules-policy/regulations/1022/30/","Exact clause, version, and effective status":"Existing §1022.30 credit eligibility/use restrictions, remaining operative provisions","Access/limits":"O/F, not the vacated 2025 text"},"coordinator_verification_status":"selected_primary_rule_text_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"Operative1022.30 creditor scope,b prohibition,c unsolicited information,d three financial-information conditions,e specifiedexceptions read. Not vacated2025amendments or blanket medical-debt exclusion."},{"source_id":"S_WI-P04-S022","urls":["https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/fair-credit-reporting-act/"],"researcher_record":{"ID":"S022","Issuer, title, full direct literal URL":"CFPB, current FCRA compliance resources and medical rule status. https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/fair-credit-reporting-act/","Exact clause, version, and effective status":"Site notice acknowledging July 11, 2025 vacatur; current public status page","Access/limits":"O/F, explicitly distinguishes vacated materials"},"coordinator_verification_status":"primary_agency_status_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"CurrentCFPB FCRAresources vacatur notice read; agency page modifiedJun1,2026. Does not itself provide full appellate/citator clearance."},{"source_id":"S_WI-P04-S023","urls":["https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.52.0_1.pdf"],"researcher_record":{"ID":"S023","Issuer, title, full direct literal URL":"U.S. District Court, E.D. Texas, Cornerstone Credit Union League v. CFPB, Document 52, hosted original docket image. https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.52.0_1.pdf","Exact clause, version, and effective status":"Filed July 11, 2025; 34-page opinion, printed pp.30–34, zero PDF indexes 29–33; analysis and vacatur","Access/limits":"P/F; original court-docket document mirrored by CourtListener, not represented as an official judiciary-host URL"},"coordinator_verification_status":"selected_primary_judgment_text_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"Court-authored Document52 through CourtListener mirror: material remedy printed30-34 zero29-33 read; rulevacated, distinct countIV dismissal and remand branches. No new pixels/full appellate history."},{"source_id":"S_WI-P04-S024","urls":["https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.53.0.pdf"],"researcher_record":{"ID":"S024","Issuer, title, full direct literal URL":"U.S. District Court, same case, Document 53 judgment. https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.53.0.pdf","Exact clause, version, and effective status":"Signed July 11, 2025; printed pp.1–2, zero indexes 0–1; operative vacatur and remand","Access/limits":"P/F, original docket-document mirror"},"coordinator_verification_status":"primary_judgment_text_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"Document53 two-page judgment fulltext read fromCourtListenermirror. Originalcourt document, not judiciary-host URL; no appellate/currentness certification beyond observedCFPBstatus."},{"source_id":"S_WI-P04-S025","urls":["https://www.govinfo.gov/content/pkg/FR-2025-10-28/pdf/2025-19671.pdf"],"researcher_record":{"ID":"S025","Issuer, title, full direct literal URL":"CFPB, 2025 preemption interpretation, Federal Register. https://www.govinfo.gov/content/pkg/FR-2025-10-28/pdf/2025-19671.pdf","Exact clause, version, and effective status":"90 Fed. Reg. 48710–48715, Oct. 28, 2025; replaces withdrawn 2022 interpretation, interpretive status","Access/limits":"O/P, six pages, zero indexes 0–5; interpretive guidance not statute/judgment"},"coordinator_verification_status":"selected_primary_interpretive_text_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"GovInfo2025FR six-page mixeddocument startsCFPBbottomp48710/zero0; Oct28,2025date and interpretive/withdrawalstatus checked withregister. Not binding statute/judgment or entire new preemption application."},{"source_id":"S_WI-P04-S026","urls":["https://www.transunion.com/blog/credit-advice/how-long-do-collections-stay-on-your-credit-report"],"researcher_record":{"ID":"S026","Issuer, title, full literal direct URL":"TransUnion, medical collection-reporting policy and collection aging guidance. https://www.transunion.com/blog/credit-advice/how-long-do-collections-stay-on-your-credit-report","Pinpoint/version/status":"Publisher discussion of medical paid/small-balance/waiting exclusions; current accessible page","Access/limits":"V/F; voluntary nationwide-CRA practice, not enacted law or every product"},"coordinator_verification_status":"publisher_text_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"TUmedicalsection: initial reported balance under500,paidmedicalcollectionsnotappear,unpaidone-yearwaiting. Voluntarypublisherpractice; equality500andallproducts/CRAs not proven."},{"source_id":"S_WI-P04-S027","urls":["https://www.experian.com/blogs/ask-experian/how-do-i-get-a-paid-collection-off-my-credit-report/"],"researcher_record":{"ID":"S027","Issuer, title, full literal direct URL":"Experian, paid collections and medical collection policy. https://www.experian.com/blogs/ask-experian/how-do-i-get-a-paid-collection-off-my-credit-report/","Pinpoint/version/status":"Current 2026 consumer-publication version; paid medical exception to general paid-collection treatment","Access/limits":"V/F; publisher policy, not law"},"coordinator_verification_status":"selected_publisher_text_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"Experianpaidcollection/medical/scoringdiscussion read. Under500wording and paidmedical exception arepublisher statements; not everyCRA/lender/model or equality rule. General recommendations not adopted."},{"source_id":"S_WI-P04-S028","urls":["https://consumer.ftc.gov/articles/disputing-errors-your-credit-reports","https://consumer.ftc.gov/articles/free-credit-reports"],"researcher_record":{"ID":"S028","Issuer, title, full literal direct URL":"FTC, disputing errors and getting free credit reports. https://consumer.ftc.gov/articles/disputing-errors-your-credit-reports https://consumer.ftc.gov/articles/free-credit-reports","Pinpoint/version/status":"Current public instructions, weekly voluntary nationwide CRA availability and statutory annual entitlement","Access/limits":"O/F, guidance and policy distinguished from statute"},"coordinator_verification_status":"primary_public_guidance_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"FTCfreeannual/weeklypolicy and disputesinstructions material body read. Distinguish statutoryentitlement,voluntaryweekly,legalexceptions and guidance shorthand; no submission."},{"source_id":"S_WI-P04-S029","urls":["https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/"],"researcher_record":{"ID":"S029","Issuer, title, full literal direct URL":"CFPB, consumer guide to credit-report errors. https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/","Pinpoint/version/status":"CRA/furnisher dispute guidance and sample-letter links; current","Access/limits":"O/F, examples not mandatory legal form"},"coordinator_verification_status":"primary_public_guidance_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"CFPBSept2,2026guide CRAfirst,furnisherwrittennotice,documents/copies and fivebusinessdayfrivolousnotice read. Sampleletters linked but not opened; no mandatory form."},{"source_id":"S_WI-P04-S030","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1022/b/"],"researcher_record":{"ID":"S030","Issuer, title, full literal direct URL":"CFPB, Regulation V Appendix B, model negative-information notice. https://www.consumerfinance.gov/rules-policy/regulations/1022/b/","Pinpoint/version/status":"Model notice for §623(a)(7)","Access/limits":"O/F, illustrative model for financial-institution notice, not universal dispute letter"},"coordinator_verification_status":"primary_model_notice_text_with_mapping_correction_required","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"AppendixBpre/post models,optionaluse,safeharbor and allowablechanges read. Exact a7 predicate/timing/safeharbor needs separate atomicclaim, notC019a1-4/C038complaint."},{"source_id":"S_WI-P04-S031","urls":["https://dfi.wi.gov/Documents/ConsumerServices/WisconsinConsumerAct/Forms/BCA500.pdf"],"researcher_record":{"ID":"S031","Issuer, title, full literal direct URL":"Wisconsin DFI, Bureau of Consumer Affairs, BCA500 complaint form. https://dfi.wi.gov/Documents/ConsumerServices/WisconsinConsumerAct/Forms/BCA500.pdf","Pinpoint/version/status":"Revised January 2023; printed pp.1–2 / zero PDF indexes 0–1; categories include credit-report disputes; disclosure/privacy and consent statements","Access/limits":"O/P/F, full two-page PDF text read, p.1 image inspected. Public complaint form, not collection agency authorization"},"coordinator_verification_status":"primary_form_text_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"BCA500 Jan2023bothpagestext read; publicrecord/sharing,chronology,copies,resolution,consent/signature clauses. No coordinatorpixels/formcompletion/submission/contact."},{"source_id":"S_WI-P04-S032","urls":["https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/FileAComplaint.aspx"],"researcher_record":{"ID":"S032","Issuer, title, full literal direct URL":"Wisconsin DFI, WCA complaint route. https://dfi.wi.gov/Pages/ConsumerServices/WisconsinConsumerAct/FileAComplaint.aspx","Pinpoint/version/status":"Current public program and referral procedure","Access/limits":"O/F, jurisdictional and outcome limits"},"coordinator_verification_status":"primary_public_guidance_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"DFIWCAcomplaint scope,litigation/legaladvice/advocacy/punitivedamageslimits anddifferentintakeroutes read. Not a meritsaward/tolling or collectorlicense authority."},{"source_id":"S_WI-P04-S033","urls":["https://www.consumerfinance.gov/complaint/"],"researcher_record":{"ID":"S033","Issuer, title, full literal direct URL":"CFPB, consumer complaint portal description. https://www.consumerfinance.gov/complaint/","Pinpoint/version/status":"Current credit-reporting complaint intake route, sequencing instructions","Access/limits":"O/F, no submission made or promised"},"coordinator_verification_status":"selected_primary_public_guidance_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"CFPBportalCRAfirstdispute under1681i(a),(e),15/possible60dayresponses,feedback/intake/privacy limits read. No live form operation; no complainttolling/relief guarantee."},{"source_id":"S_WI-P04-S034","urls":["https://datcp.wi.gov/Pages/Programs_Services/FileConsumerComplaint.aspx"],"researcher_record":{"ID":"S034","Issuer, title, full literal direct URL":"Wisconsin DATCP, consumer complaint options. https://datcp.wi.gov/Pages/Programs_Services/FileConsumerComplaint.aspx","Pinpoint/version/status":"Current general consumer-protection intake","Access/limits":"O/F, jurisdiction not independently verified for every FCRA claim"},"coordinator_verification_status":"primary_public_guidance_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"DATCPgeneralcomplaintprocedure,documents and inabilitytoforcebusinessresolution read. No claim to everyFCRAcomplaint jurisdiction."},{"source_id":"S_WI-P04-S035","urls":["https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2011/D10-03/C:10-3975:J:Easterbrook:aut:T:fnOp:N:782523:S:0&Submit=Display"],"researcher_record":{"ID":"S035","Issuer, title, full literal direct URL":"Seventh Circuit, Purcell v. Bank of America, 659 F.3d 622 (2011). https://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Path=Y2011/D10-03/C:10-3975:J:Easterbrook:aut:T:fnOp:N:782523:S:0&Submit=Display","Pinpoint/version/status":"Published eight-page opinion, printed pp.3–7, zero PDF indexes 2–6","Access/limits":"O/P/F; Wisconsin-relevant preemption ruling"},"coordinator_verification_status":"selected_primary_opinion_text_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"Purcellmaterialprinted3-7 zero2-6 read;1681h(e)/1681t furnishingpreemption relationship; no everyindependentcollectionact preemption/fullcitator."},{"source_id":"S_WI-P04-S036","urls":["https://media.ca7.uscourts.gov/cgi-bin/OpinionsWeb/processWebInputExternal.pl?Path=Y2022/D02-02/C:21-1276:J:St__Eve:aut:T:fnOp:N:2828194:S:0&Submit=Display"],"researcher_record":{"ID":"S036","Issuer, title, full literal direct URL":"Seventh Circuit, Ewing v. MED-1 Solutions / Webster v. Receivables Performance Management, 2022 consolidated opinion. https://media.ca7.uscourts.gov/cgi-bin/OpinionsWeb/processWebInputExternal.pl?Path=Y2022/D02-02/C:21-1276:J:St__Eve:aut:T:fnOp:N:2828194:S:0&Submit=Display","Pinpoint/version/status":"Published 16-page opinion; pp.2–5, 8–16; zero indexes 1–4, 7–15","Access/limits":"O/P/F, distinct affirmance and reversal explained"},"coordinator_verification_status":"selected_primary_opinion_text_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"Ewing/Webstermaterialreputationalinjury,notices/procedures,bona-fideerror and distinctaffirm/reverse-remand text read. No hypotheticalactualstanding/procedurefinding."},{"source_id":"S_WI-P04-S037","urls":["https://media.ca7.uscourts.gov/cgi-bin/OpinionsWeb/processWebInputExternal.pl?Path=Y2005/D05-27/C:04-3139:J:_:aut:T:op:N:0:S:0&Submit=Display"],"researcher_record":{"ID":"S037","Issuer, title, full literal direct URL":"Seventh Circuit, Westra v. Credit Control of Pinellas, 409 F.3d 825 (2005). https://media.ca7.uscourts.gov/cgi-bin/OpinionsWeb/processWebInputExternal.pl?Path=Y2005/D05-27/C:04-3139:J:_:aut:T:op:N:0:S:0&Submit=Display","Pinpoint/version/status":"Published four-page opinion, printed pp.2–4, zero indexes 1–3","Access/limits":"O/P/F, limited-information furnisher inquiry"},"coordinator_verification_status":"selected_primary_opinion_text_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"Westramaterialfour-pageopinion text read, limitedCRAreferral facts; no permissiontoignorericherevidence."},{"source_id":"S_WI-P04-S038","urls":["https://media.ca7.uscourts.gov/cgi-bin/OpinionsWeb/processWebInputExternal.pl?Path=Y2021/D07-15/C:20-2775:J:Brennan:aut:T:fnOp:N:2734006:S:0&Submit=Display"],"researcher_record":{"ID":"S038","Issuer, title, full literal direct URL":"Seventh Circuit, Chuluunbat v. Experian Information Solutions, 4 F.4th 562 (2021). https://media.ca7.uscourts.gov/cgi-bin/OpinionsWeb/processWebInputExternal.pl?Path=Y2021/D07-15/C:20-2775:J:Brennan:aut:T:fnOp:N:2734006:S:0&Submit=Display","Pinpoint/version/status":"Published 14-page opinion, printed pp.6–13, zero indexes 5–12","Access/limits":"O/P/F, complex legal validity versus factual error"},"coordinator_verification_status":"selected_primary_opinion_text_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"Chuluunbatmaterialfact/legalvalidityboundary printed6-13 text read; not categoricallegaldisputeexemption or actualownershipfinding."},{"source_id":"S_WI-P04-S039","urls":["https://media.ca7.uscourts.gov/cgi-bin/OpinionsWeb/processWebInputExternal.pl?Path=Y2023/D07-05/C:22-2570:J:Brennan:aut:T:fnOp:N:3070777:S:0&Submit=Display"],"researcher_record":{"ID":"S039","Issuer, title, full literal direct URL":"Seventh Circuit, Frazier v. Dovenmuehle Mortgage, Inc., 72 F.4th 769 (2023). https://media.ca7.uscourts.gov/cgi-bin/OpinionsWeb/processWebInputExternal.pl?Path=Y2023/D07-05/C:22-2570:J:Brennan:aut:T:fnOp:N:3070777:S:0&Submit=Display","Pinpoint/version/status":"Published 12-page opinion, printed pp.5–11, zero indexes 4–10","Access/limits":"O/P/F, settlement reporting context; mortgage sector not otherwise covered"},"coordinator_verification_status":"selected_primary_opinion_text_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"FrazierDovenmuehlematerialaccuracy/materiality/mortgagesettlementcontext printed5-11 text read. No generalvalidatedsettlementcontractorallsectorrule."},{"source_id":"S_WI-P04-S040","urls":["https://media.ca7.uscourts.gov/cgi-bin/OpinionsWeb/processWebInputExternal.pl?Path=Y2024/D08-07/C:23-2355:J:Brennan:aut:T:fnOp:N:3246138:S:0&Submit=Display"],"researcher_record":{"ID":"S040","Issuer, title, full literal direct URL":"Seventh Circuit, Frazier v. Equifax Information Services LLC, 2024 opinion. https://media.ca7.uscourts.gov/cgi-bin/OpinionsWeb/processWebInputExternal.pl?Path=Y2024/D08-07/C:23-2355:J:Brennan:aut:T:fnOp:N:3246138:S:0&Submit=Display","Pinpoint/version/status":"Published 30-page opinion, majority printed pp.1–14 / zero 0–13; dissent printed pp.15–30 / zero 14–29","Access/limits":"O/P/F, no dissent adopted"},"coordinator_verification_status":"selected_primary_opinion_text_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"FrazierEquifaxmajority materialcausation/accuracy pp1-14 and dissent boundary at15 read. Dissent notholding; no actualdenial/scorecausation."},{"source_id":"S_WI-P04-S041","urls":["https://www.supremecourt.gov/opinions/20pdf/20-297_4g25.pdf"],"researcher_record":{"ID":"S041","Issuer, title, full literal direct URL":"U.S. Supreme Court, TransUnion LLC v. Ramirez, 594 U.S. 413 (2021). https://www.supremecourt.gov/opinions/20pdf/20-297_4g25.pdf","Pinpoint/version/status":"Official 53-page PDF, majority opinion begins zero index 4 after four-page syllabus; printed majority opinion pp.1–4 correspond zero 4–7","Access/limits":"O/P/F, claim-specific constitutional standing"},"coordinator_verification_status":"selected_primary_opinion_text_with_limits","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"TransUnionmajoritymaterialdissemination/concreteinjury printed17-18 zero20-21 text read; majority beginszero4after4syllabuspages. No full53page/pixel/citator review."},{"source_id":"S_WI-P04-S042","urls":["https://docs.legis.wisconsin.gov/document/acts/2025/105%2C1","https://docs.legis.wisconsin.gov/document/acts/2025/105%2C2"],"researcher_record":{"ID":"S042","Issuer, title, full literal direct URL":"Wisconsin Legislature, 2025 Wisconsin Act 105, general WCA future threshold. https://docs.legis.wisconsin.gov/document/acts/2025/105%2C1 https://docs.legis.wisconsin.gov/document/acts/2025/105%2C2","Pinpoint/version/status":"§421.202(6) general $25,000 to $50,000 threshold effective January 1, 2027","Access/limits":"O locator/partial; current 2026 amount not replaced early. Included solely for WCA applicability boundary"},"coordinator_verification_status":"current_primary_unverified_held","id_normalization":"ExplicitP04reportcontext/firstfullsourceID; mechanicalnamespaceexpansiononly. OriginalheaderIDcausedS001skip; thisrowrestoredverbatimrawtable8.","coordinator_check_evidence":"[internal evidence reference]","coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_check_scope":"BothAct105exactlocators failed/timeout. FutureJan1,2027threshold claim remains researcher locator/partial, not independent enacted-body verification or present2026rule."}],"coverage":[{"topic":"1. FCRA individual/CRA/furnisher/report-user definitions","researcher_record":{"Assigned issue or subquestion":"1. FCRA individual/CRA/furnisher/report-user definitions","Status":"Answered","Claims":"C007–C008","Missing evidence and exact next investigation":"Apply actual account, recipient and purpose facts only in an authorized later case"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C007","S_WI-P04-C008"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"1. Original creditor vs federal debt collector","researcher_record":{"Assigned issue or subquestion":"1. Original creditor vs federal debt collector","Status":"Answered at gateway","Claims":"C001, C007, C010–C011","Missing evidence and exact next investigation":"False-name, servicer and principal-purpose facts when material"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C001","S_WI-P04-C007","S_WI-P04-C010","S_WI-P04-C011"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":["S_WI-P04-C001"]},{"topic":"1. Debt buyer vs assignee vs servicer","researcher_record":{"Assigned issue or subquestion":"1. Debt buyer vs assignee vs servicer","Status":"Partial","Claims":"C007, C020, C043, C047","Missing evidence and exact next investigation":"Assignment/control records and actor-specific reports; do not import PASS-02 conclusion"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C007","S_WI-P04-C020","S_WI-P04-C043","S_WI-P04-C047"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"1. Consumer/guarantor/joint debtor vs commercial debt","researcher_record":{"Assigned issue or subquestion":"1. Consumer/guarantor/joint debtor vs commercial debt","Status":"Partial","Claims":"C001, C007, C049","Missing evidence and exact next investigation":"Actual purpose/guaranty and organization definitions; business debts excluded from general consumer conclusion"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C001","S_WI-P04-C007","S_WI-P04-C049"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":["S_WI-P04-C001","S_WI-P04-C049"]},{"topic":"1. Wisconsin sufficient nexus","researcher_record":{"Assigned issue or subquestion":"1. Wisconsin sufficient nexus","Status":"Partial","Claims":"C001, C004","Missing evidence and exact next investigation":"Transaction formation/communication locations and §421.201 application"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C001","S_WI-P04-C004"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":["S_WI-P04-C001","S_WI-P04-C004"]},{"topic":"1. First mortgage/secured/business exclusions","researcher_record":{"Assigned issue or subquestion":"1. First mortgage/secured/business exclusions","Status":"Partial/excluded","Claims":"C049","Missing evidence and exact next investigation":"Later mortgage, UCC/secured, and business-sector passes"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C049"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":["S_WI-P04-C049"]},{"topic":"2. Wisconsin false-creditworthiness conduct","researcher_record":{"Assigned issue or subquestion":"2. Wisconsin false-creditworthiness conduct","Status":"Answered","Claims":"C002","Missing evidence and exact next investigation":"Actor knowledge and particular inaccurate statement require facts"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C002"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":["S_WI-P04-C002"]},{"topic":"2. Known reasonable-dispute disclosure","researcher_record":{"Assigned issue or subquestion":"2. Known reasonable-dispute disclosure","Status":"Answered","Claims":"C003, C039","Missing evidence and exact next investigation":"Communication, reasonable dispute and knowledge evidence"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C003","S_WI-P04-C039"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":["S_WI-P04-C003","S_WI-P04-C039"]},{"topic":"2. Original-creditor WCA coverage","researcher_record":{"Assigned issue or subquestion":"2. Original-creditor WCA coverage","Status":"Answered conditionally","Claims":"C001–C004","Missing evidence and exact next investigation":"Actual Wisconsin Consumer Act transaction predicates"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C001","S_WI-P04-C002","S_WI-P04-C003","S_WI-P04-C004"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":["S_WI-P04-C001","S_WI-P04-C002","S_WI-P04-C003","S_WI-P04-C004"]},{"topic":"2. Wisconsin private injury/penalty/limitations","researcher_record":{"Assigned issue or subquestion":"2. Wisconsin private injury/penalty/limitations","Status":"Partial","Claims":"C005–C006, C033–C034","Missing evidence and exact next investigation":"Full state remedies, preemption, §427.105/§425.304 stacking, qualifying standing/cure"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C005","S_WI-P04-C006","S_WI-P04-C033","S_WI-P04-C034"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":["S_WI-P04-C005"]},{"topic":"3. Reg F debt parking","researcher_record":{"Assigned issue or subquestion":"3. Reg F debt parking","Status":"Answered","Claims":"C009","Missing evidence and exact next investigation":"Actual covered collector, communication, nondelivery log, specialty-CRA exception"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C009"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"3. Reg F paid/settled/discharged debt transfers","researcher_record":{"Assigned issue or subquestion":"3. Reg F paid/settled/discharged debt transfers","Status":"Answered conditionally","Claims":"C009, C026, C050","Missing evidence and exact next investigation":"Exceptions and transfer contracts where actual facts arise"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C009","S_WI-P04-C026","S_WI-P04-C050"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Correction required: actual1006.30b2exceptions and a dedicatedatomicclaim;C009is pre-furnishing, not this list.","coordinator_affected_claims":[]},{"topic":"3. §1692e(8) reporting of disputes","researcher_record":{"Assigned issue or subquestion":"3. §1692e(8) reporting of disputes","Status":"Answered","Claims":"C010–C011, C041","Missing evidence and exact next investigation":"Specific reporting and knowledge proof"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C010","S_WI-P04-C011","S_WI-P04-C041"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"3. Late/oral dispute vs validation period","researcher_record":{"Assigned issue or subquestion":"3. Late/oral dispute vs validation period","Status":"Answered","Claims":"C011","Missing evidence and exact next investigation":"Full validation procedure remains PASS-03 unreviewed"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C011"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"4. CRA §611 reinvestigation","researcher_record":{"Assigned issue or subquestion":"4. CRA §611 reinvestigation","Status":"Answered","Claims":"C012–C018","Missing evidence and exact next investigation":"Actual notification/response quality in any individual matter"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C012","S_WI-P04-C013","S_WI-P04-C014","S_WI-P04-C015","S_WI-P04-C016","S_WI-P04-C017","S_WI-P04-C018"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"4. Furnisher §623(a) accuracy/correction","researcher_record":{"Assigned issue or subquestion":"4. Furnisher §623(a) accuracy/correction","Status":"Answered","Claims":"C019, C025, C027","Missing evidence and exact next investigation":"Actual data source, reasonable cause, and disputed status"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C019","S_WI-P04-C025","S_WI-P04-C027"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":["S_WI-P04-C019"]},{"topic":"4. Furnisher §623(b) after CRA referral","researcher_record":{"Assigned issue or subquestion":"4. Furnisher §623(b) after CRA referral","Status":"Answered","Claims":"C012, C020","Missing evidence and exact next investigation":"Evidence of actual CRA referral and supplied information"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C012","S_WI-P04-C020"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"4. Direct dispute under §1022.43","researcher_record":{"Assigned issue or subquestion":"4. Direct dispute under §1022.43","Status":"Answered","Claims":"C021–C025","Missing evidence and exact next investigation":"Designated address, disputed subject, sufficient particulars"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C021","S_WI-P04-C022","S_WI-P04-C023","S_WI-P04-C024","S_WI-P04-C025"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"4. Frivolous/repeated dispute exception","researcher_record":{"Assigned issue or subquestion":"4. Frivolous/repeated dispute exception","Status":"Answered conditionally","Claims":"C016, C022–C024","Missing evidence and exact next investigation":"Actual reasons and previous information"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C016","S_WI-P04-C022","S_WI-P04-C023","S_WI-P04-C024"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"5. CRA 30/45-day distinction","researcher_record":{"Assigned issue or subquestion":"5. CRA 30/45-day distinction","Status":"Answered","Claims":"C013–C014","Missing evidence and exact next investigation":"Exact receipt dates and qualifying new evidence"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C013","S_WI-P04-C014"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"5. CRA forwarding and results","researcher_record":{"Assigned issue or subquestion":"5. CRA forwarding and results","Status":"Answered","Claims":"C015–C018","Missing evidence and exact next investigation":"Actual business-day/holiday and receipt facts"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C015","S_WI-P04-C016","S_WI-P04-C017","S_WI-P04-C018"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"5. Furnisher direct and referred timelines","researcher_record":{"Assigned issue or subquestion":"5. Furnisher direct and referred timelines","Status":"Answered","Claims":"C020, C024","Missing evidence and exact next investigation":"Actual start/referral events"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C020","S_WI-P04-C024"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"5. Reporting first delinquency within 90 days","researcher_record":{"Assigned issue or subquestion":"5. Reporting first delinquency within 90 days","Status":"Answered","Claims":"C027","Missing evidence and exact next investigation":"Actual qualifying first furnishing and DOFD"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C027"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"5. FDCPA validation versus CRA dispute periods","researcher_record":{"Assigned issue or subquestion":"5. FDCPA validation versus CRA dispute periods","Status":"Answered at necessary crossover","Claims":"C011, C050","Missing evidence and exact next investigation":"Full validation analysis retained separately"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C011","S_WI-P04-C050"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"5. Wisconsin state-only dispute clocks","researcher_record":{"Assigned issue or subquestion":"5. Wisconsin state-only dispute clocks","Status":"Answered as no new credit-report-specific clock established","Claims":"C003, C039","Missing evidence and exact next investigation":"Subsequent state amendment or narrower sector regulation if identified"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C003","S_WI-P04-C039"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":["S_WI-P04-C003","S_WI-P04-C039"]},{"topic":"6. Correct/modify/delete/unverifiable outcomes","researcher_record":{"Assigned issue or subquestion":"6. Correct/modify/delete/unverifiable outcomes","Status":"Answered","Claims":"C013, C018–C020","Missing evidence and exact next investigation":"Actual investigation findings"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C013","S_WI-P04-C018","S_WI-P04-C019","S_WI-P04-C020"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":["S_WI-P04-C019"]},{"topic":"6. Pending-dispute notation","researcher_record":{"Assigned issue or subquestion":"6. Pending-dispute notation","Status":"Answered conditionally","Claims":"C003, C010, C019","Missing evidence and exact next investigation":"Actor's knowledge, CRA notices, actual status"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C003","S_WI-P04-C010","S_WI-P04-C019"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":["S_WI-P04-C003","S_WI-P04-C019"]},{"topic":"6. Reinsertion and certification","researcher_record":{"Assigned issue or subquestion":"6. Reinsertion and certification","Status":"Answered","Claims":"C018","Missing evidence and exact next investigation":"Actual certification and notice"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C018"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"6. Identity, balance, wrong-owner and duplicate entries","researcher_record":{"Assigned issue or subquestion":"6. Identity, balance, wrong-owner and duplicate entries","Status":"Partial","Claims":"C019–C020, C042–C043, C047","Missing evidence and exact next investigation":"Record identifiers, assignment, ledger, factual versus judicial issues"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C019","S_WI-P04-C020","S_WI-P04-C042","S_WI-P04-C043","S_WI-P04-C047"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":["S_WI-P04-C019"]},{"topic":"6. Discharged/settled account investigations","researcher_record":{"Assigned issue or subquestion":"6. Discharged/settled account investigations","Status":"Partial","Claims":"C026, C044, C048","Missing evidence and exact next investigation":"Agreement/order terms and account ledger"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C026","S_WI-P04-C044","S_WI-P04-C048"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"7. Paid/settled/paid-for-less reporting","researcher_record":{"Assigned issue or subquestion":"7. Paid/settled/paid-for-less reporting","Status":"Answered principle; factual application held","Claims":"C026, C044, C046","Missing evidence and exact next investigation":"Release, completion, current versus historical fields"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C026","S_WI-P04-C044","S_WI-P04-C046"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"7. Charge-off vs forgiveness","researcher_record":{"Assigned issue or subquestion":"7. Charge-off vs forgiveness","Status":"Answered","Claims":"C026, C046","Missing evidence and exact next investigation":"Underlying contract/ownership excluded"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C026","S_WI-P04-C046"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"7. Ownership transfer vs original tradeline","researcher_record":{"Assigned issue or subquestion":"7. Ownership transfer vs original tradeline","Status":"Partial","Claims":"C047","Missing evidence and exact next investigation":"No absolute deletion rule; field-specific reporting and owners"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C047"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"7. Pay-for-delete","researcher_record":{"Assigned issue or subquestion":"7. Pay-for-delete","Status":"Unresolved as any particular entitlement","Claims":"C026, C046","Missing evidence and exact next investigation":"Actual creditor agreement/CRA policy; no statutory universal entitlement established"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C026","S_WI-P04-C046"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"7. Date of first delinquency/re-aging","researcher_record":{"Assigned issue or subquestion":"7. Date of first delinquency/re-aging","Status":"Answered","Claims":"C027–C029, C047","Missing evidence and exact next investigation":"Original source records and statutory date exceptions"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C027","S_WI-P04-C028","S_WI-P04-C029","S_WI-P04-C047"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"8. Civil judgment/bankruptcy/tax-lien ages","researcher_record":{"Assigned issue or subquestion":"8. Civil judgment/bankruptcy/tax-lien ages","Status":"Answered federal categories","Claims":"C028–C029, C048","Missing evidence and exact next investigation":"CRA voluntary policy and actual court records deliberately not checked"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C028","S_WI-P04-C029","S_WI-P04-C048"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"8. Wisconsin judgment enforceability","researcher_record":{"Assigned issue or subquestion":"8. Wisconsin judgment enforceability","Status":"Excluded","Claims":"C048","Missing evidence and exact next investigation":"Separate litigation and limitations pass"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C048"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"8. Bankruptcy discharge vs credit balance","researcher_record":{"Assigned issue or subquestion":"8. Bankruptcy discharge vs credit balance","Status":"Partial","Claims":"C048","Missing evidence and exact next investigation":"Order, personal versus in rem effects, sector-specific bankruptcy reporting"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C048"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"9. 2025 medical rule status","researcher_record":{"Assigned issue or subquestion":"9. 2025 medical rule status","Status":"Answered","Claims":"C030","Missing evidence and exact next investigation":"Continue verifying any appellate or later rulemaking status in future legal-currentness pass"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C030"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"9. Surviving medical restrictions","researcher_record":{"Assigned issue or subquestion":"9. Surviving medical restrictions","Status":"Answered conditionally","Claims":"C031","Missing evidence and exact next investigation":"Specific medical provider, use, veteran/VA facts"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C031"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"9. Voluntary paid/small/waiting medical policies","researcher_record":{"Assigned issue or subquestion":"9. Voluntary paid/small/waiting medical policies","Status":"Partial","Claims":"C032","Missing evidence and exact next investigation":"CRA-specific current publisher wording, $500 equality and amount classification"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C032"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":["S_WI-P04-C032"]},{"topic":"9. Wisconsin medical-charity-care and sector protections","researcher_record":{"Assigned issue or subquestion":"9. Wisconsin medical-charity-care and sector protections","Status":"Excluded","Claims":"C031–C032","Missing evidence and exact next investigation":"Separate Wisconsin medical debt investigation"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C031","S_WI-P04-C032"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":["S_WI-P04-C032"]},{"topic":"10. §1681t/§1681h(e) preemption","researcher_record":{"Assigned issue or subquestion":"10. §1681t/§1681h(e) preemption","Status":"Answered at statutory/case level","Claims":"C006, C033, C040, C051","Missing evidence and exact next investigation":"Specific Wisconsin cause-of-action mapping and later public citator"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C006","S_WI-P04-C033","S_WI-P04-C040","S_WI-P04-C051"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"10. Willful/negligent FCRA damages","researcher_record":{"Assigned issue or subquestion":"10. Willful/negligent FCRA damages","Status":"Answered conditionally","Claims":"C034–C035","Missing evidence and exact next investigation":"Case injury/causation; no automatic recovery"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C034","S_WI-P04-C035"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"10. FDCPA damages and bona fide error","researcher_record":{"Assigned issue or subquestion":"10. FDCPA damages and bona fide error","Status":"Answered conditionally","Claims":"C010, C034–C035, C041","Missing evidence and exact next investigation":"Actual communication and procedures"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C010","S_WI-P04-C034","S_WI-P04-C035","S_WI-P04-C041"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"1692kbodyread;existingC034isFCRAremedies. Add exactFDCPAremedy/limitations atomicclaim and correctcrosswalk.","coordinator_affected_claims":[]},{"topic":"10. State WCA penalty/limitation/cure and overlap","researcher_record":{"Assigned issue or subquestion":"10. State WCA penalty/limitation/cure and overlap","Status":"Partial","Claims":"C005–C006, C033–C034","Missing evidence and exact next investigation":"Complete separate Wisconsin remedies and case-specific preemption analysis"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C005","S_WI-P04-C006","S_WI-P04-C033","S_WI-P04-C034"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":["S_WI-P04-C005"]},{"topic":"10. Public complaint tolling/private relief","researcher_record":{"Assigned issue or subquestion":"10. Public complaint tolling/private relief","Status":"Answered negatively as no automatic effect","Claims":"C038","Missing evidence and exact next investigation":"Applicable actual order or tolling statute if later asserted"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C038"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"11. Statutory free annual file disclosure","researcher_record":{"Assigned issue or subquestion":"11. Statutory free annual file disclosure","Status":"Answered","Claims":"C036","Missing evidence and exact next investigation":"CRA-specific additional entitlement"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C036"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":["S_WI-P04-C036"]},{"topic":"11. Voluntary weekly nationwide reports","researcher_record":{"Assigned issue or subquestion":"11. Voluntary weekly nationwide reports","Status":"Answered publisher guidance","Claims":"C036","Missing evidence and exact next investigation":"Publisher-policy currentness for future periods"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C036"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":["S_WI-P04-C036"]},{"topic":"11. Security freeze","researcher_record":{"Assigned issue or subquestion":"11. Security freeze","Status":"Answered at necessary boundary","Claims":"C037","Missing evidence and exact next investigation":"Identity-theft alerts/blocks and full freeze operations excluded"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C037"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":["S_WI-P04-C037"]},{"topic":"11. Report file vs internal lender ledger access","researcher_record":{"Assigned issue or subquestion":"11. Report file vs internal lender ledger access","Status":"Answered at necessary boundary","Claims":"C036, C050","Missing evidence and exact next investigation":"Other account-document laws and unsupplied contracts separate"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C036","S_WI-P04-C050"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":["S_WI-P04-C036"]},{"topic":"12. DFI complaint program/form","researcher_record":{"Assigned issue or subquestion":"12. DFI complaint program/form","Status":"Answered operationally","Claims":"C038","Missing evidence and exact next investigation":"No form submitted; authority/result not inferred"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C038"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"12. CFPB/FTC forms/guidance","researcher_record":{"Assigned issue or subquestion":"12. CFPB/FTC forms/guidance","Status":"Answered operationally","Claims":"C038","Missing evidence and exact next investigation":"Any unread linked model letters remain examples, not verified mandatory texts"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C038"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"12. Current model credit notice","researcher_record":{"Assigned issue or subquestion":"12. Current model credit notice","Status":"Answered","Claims":"C019, C038","Missing evidence and exact next investigation":"Appendix B model not universal form"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C019","S_WI-P04-C038"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Correction required: qualifieda7notice/modelneeds its ownatomicclaim;C019a1-4 andC038complaints cannot establish this row.","coordinator_affected_claims":["S_WI-P04-C019"]},{"topic":"13. Wisconsin Turner","researcher_record":{"Assigned issue or subquestion":"13. Wisconsin Turner","Status":"Answered","Claims":"C039","Missing evidence and exact next investigation":"Later federal preemption must be applied separately"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C039"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":["S_WI-P04-C039"]},{"topic":"13. Seventh Circuit preemption Purcell","researcher_record":{"Assigned issue or subquestion":"13. Seventh Circuit preemption Purcell","Status":"Answered","Claims":"C040","Missing evidence and exact next investigation":"Future fact-specific cause and statutory-subject analysis"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C040"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"13. Westra, Chuluunbat, Frazier decisions","researcher_record":{"Assigned issue or subquestion":"13. Westra, Chuluunbat, Frazier decisions","Status":"Answered bounded holdings","Claims":"C042–C044","Missing evidence and exact next investigation":"No broad legal-dispute exemption or score guarantee"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C042","S_WI-P04-C043","S_WI-P04-C044"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"13. Ewing/Webster, Ramirez standing","researcher_record":{"Assigned issue or subquestion":"13. Ewing/Webster, Ramirez standing","Status":"Answered bounded holdings","Claims":"C035, C041, C045","Missing evidence and exact next investigation":"Concrete harm cannot be determined hypothetically"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C035","S_WI-P04-C041","S_WI-P04-C045"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"13. Full citator, trial decisions, DFI final orders","researcher_record":{"Assigned issue or subquestion":"13. Full citator, trial decisions, DFI final orders","Status":"Unresolved","Claims":"C033–C045","Missing evidence and exact next investigation":"Public opinion/history checks plus later full source review; no claim to comprehensive search"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C033","S_WI-P04-C034","S_WI-P04-C035","S_WI-P04-C036","S_WI-P04-C037","S_WI-P04-C038","S_WI-P04-C039","S_WI-P04-C040","S_WI-P04-C041","S_WI-P04-C042","S_WI-P04-C043","S_WI-P04-C044","S_WI-P04-C045"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":["S_WI-P04-C036","S_WI-P04-C037","S_WI-P04-C039"]},{"topic":"14. Actor-to-investigation decision flow","researcher_record":{"Assigned issue or subquestion":"14. Actor-to-investigation decision flow","Status":"Answered","Claims":"C012–C025, C050","Missing evidence and exact next investigation":"Actual reporting data/notice chain excluded"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C012","S_WI-P04-C013","S_WI-P04-C014","S_WI-P04-C015","S_WI-P04-C016","S_WI-P04-C017","S_WI-P04-C018","S_WI-P04-C019","S_WI-P04-C020","S_WI-P04-C021","S_WI-P04-C022","S_WI-P04-C023","S_WI-P04-C024","S_WI-P04-C025","S_WI-P04-C050"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":["S_WI-P04-C019"]},{"topic":"14. Collection and lawsuit effect of reporting dispute","researcher_record":{"Assigned issue or subquestion":"14. Collection and lawsuit effect of reporting dispute","Status":"Answered limited distinction","Claims":"C011, C050","Missing evidence and exact next investigation":"Separate validation, limitations, litigation and remedies passes"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C011","S_WI-P04-C050"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"14. Evidence and document classifications","researcher_record":{"Assigned issue or subquestion":"14. Evidence and document classifications","Status":"Answered as research contract","Claims":"C019–C024, C027, C036","Missing evidence and exact next investigation":"Actual records outside authorization"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C019","S_WI-P04-C020","S_WI-P04-C021","S_WI-P04-C022","S_WI-P04-C023","S_WI-P04-C024","S_WI-P04-C027","S_WI-P04-C036"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":["S_WI-P04-C019","S_WI-P04-C036"]},{"topic":"14. Actual consumer, provider, score and dispute outcome","researcher_record":{"Assigned issue or subquestion":"14. Actual consumer, provider, score and dispute outcome","Status":"Excluded","Claims":"C046, C050","Missing evidence and exact next investigation":"No private records, user operation, or score model"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":["S_WI-P04-C046","S_WI-P04-C050"],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]},{"topic":"Other seven-dimension Wisconsin, local, tribal and national work","researcher_record":{"Assigned issue or subquestion":"Other seven-dimension Wisconsin, local, tribal and national work","Status":"Excluded","Claims":"—","Missing evidence and exact next investigation":"Full parent dossier remains open and unaccepted"},"coordinator_acceptance":"scoped_review_with_remaining_gaps_not_accepted","coordinator_claim_ids":[],"coordinator_review":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T21:28:01.118377+00:00","coordinator_review_note":"Researcher status preserved; see source/claim-check scopes and four material correction groups. No fullstate/component/parent acceptance.","coordinator_affected_claims":[]}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"S_WI-pass-04-first-scoped-review-20261026-2126","status":"REVISE_four_material_groups","at":"2026-10-26T21:53:57.207010+00:00"}]}