{"meta":{"key":"s_wi--pass-05","task":"S_WI","title":"SWI Wisconsin correction dossier","parent_title":"Wisconsin debt and debt relief law","edition":"pass-05","path":"/research/s_wi--pass-05/","kind":"split_pass","category":"state","role":"state","area_numbers":[66],"groups":["collections"],"date":"2026-10-26","tables":16,"claims":28,"sources":34,"review_status":"revise_two_narrow_residual_repairs_with_current_primary_holds","review_complete":true,"sha256":"3584e147191d8231e216165aadf68516d43b42ff1adf280ea868ed8c4892eabd","headings":["G1. Corrected federal predicates and exceptions","1. Regulation F §1006.30(b): paid, settled, and discharged debts","Separate §1006.30(a) debt-parking rule","2. FCRA §1681s-2(a)(1)(C): the missing address qualification","G2. Corrected pinpoints and previously missing atomic claims","3. Turner — exact Wisconsin opinion-page mapping","4. Security freezes — corrected statutory cross-reference","5. Negative-information notice — separate §623(a)(7) claim","6. FDCPA remedies — separate §1692k claim","G3. Current primary-access and confidence holds","7. Wisconsin official-source failure remains unresolved","8. Free annual report — primary text newly recovered","9. Medical publisher policies — exact verified wording","G4. Rendering, medical-rule status, and observation corrections","10. Replace duplicated formulas with one plain expression each","11. The January 2025 medical rule was final, then vacated","12. Observation and version boundaries","13. Bounded corrected comparisons","14. Group-resolution and PASS-04 crosswalk","Newly read federal authorities, opinions, and publisher materials","Wisconsin current-text and legacy-evidence holds","Additional newly read or failed federal passages"],"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-05","facets":{"geography":["us","us-wi"],"debt_type":[],"stage":[],"subject":[]},"scope":"Only reviewedP04G1-G4 federalexceptions/pinpoint/crosswalk/currentbodyholds/rendering correction","pending_corrections":0},"markdown":"# S_WI PASS-05 — Wisconsin PASS-04 correction dossier\n\nScope: Four authorized correction groups only. This supplements PASS-04; it does not replace the full saved report.\n\nActual fresh access: October 26, 2026, Pacific (America/Los_Angeles) and UTC.\nHistorical baseline: October 22, 2026.\nResearch: Regular Chat, public primary-source browsing. No Deep Research, Work, external API, Chrome control, filing, contact, or private account access.\n\nDisposition: The federal corrections and Turner pinpoint correction have been substantiated by fresh primary-source reads. Some Wisconsin current-law assertions remain provisional because the operative official text could not be retrieved. One additional material finding emerged: the current text of 15 U.S.C. §1681j was successfully retrieved, revealing a separate statutory 45-day CRA reinvestigation provision that PASS-04's clock discussion must accommodate.\n\nThroughout this correction, `P05-C001` means `S_WI-P05-C001`, and `P05-S001` means `S_WI-P05-S001`. The new IDs do not certify earlier PASS-04 findings.\n\n## G1. Corrected federal predicates and exceptions\n\n### 1. Regulation F §1006.30(b): paid, settled, and discharged debts\n\nReplacement for PASS-04 §4.2; new claims P05-C001–C007\n\nUnder 12 C.F.R. §1006.30(b)(1), a covered debt collector may not sell, transfer for consideration, or place for collection a debt that it knows or should know has been paid, settled, or discharged in bankruptcy, except under §1006.30(b)(2).\n\nThis is not a prohibition on every transaction involving discharged debt, every transfer by an original creditor, or a historical and accurate report to a CRA.\n\nComplete exception matrix\n\n| Clause | Permitted transaction | Exact predicate and limitation | P05 claim |\n| --- | --- | --- | --- |\n| (b)(2)(i)(A) | Transfer to the debt's owner | Transfer to actual owner. Official commentary says this does not generally authorize a debt collector to transfer the debt or collection right to another entity on the owner's behalf | C002 |\n| (b)(2)(i)(B) | Transfer to a previous owner | Only if authorized under the original contract between the debt collector and previous owner | C003 |\n| (b)(2)(i)(C) | Corporate transaction | Debt transferred as a result of merger, acquisition, purchase-and-assumption transaction, or transfer of substantially all the debt collector's assets | C004 |\n| (b)(2)(ii) | Certain secured discharged debts | Debt discharged in bankruptcy and secured by an enforceable lien and transferee notified that the consumer's personal liability was discharged | C005 |\n| (b)(2)(iii) | Securitization or pledge | Securitization of debt, or pledge of a debt portfolio as collateral for borrowing | C006 |\n\nThe exception list does not contain the generic phrase “exchanges required by law.” That phrase must be removed from PASS-04. Consumer Financial Protection Bureau\n\nThe official interpretation also clarifies that providing debt information for analytics, scrubbing, or archiving is not necessarily transferring the debt for consideration. Similarly, furnishing accurate information that a debt was paid, settled, or discharged is not itself a transfer of the debt for consideration. The latter communication remains subject to the applicable reporting-accuracy rules. P05-C007.\n\n### Separate §1006.30(a) debt-parking rule\n\nSection 1006.30(a) governs furnishing before qualifying consumer contact. It has its own telephone/in-person versus letter/electronic-message pathways and reasonable nondelivery-monitoring period. Paragraph (a)(2) excepts the specified nationwide specialty CRA maintaining check-writing history.\n\nThe 14-consecutive-day reasonable-period interpretation belongs to paragraph (a), not to the transfer exceptions in paragraph (b). PASS-04's old C009 may continue to support its narrowly described paragraph (a) conclusion, but it no longer supports the paragraph (b) transfer analysis. Consumer Financial Protection Bureau\n\n### 2. FCRA §1681s-2(a)(1)(C): the missing address qualification\n\nReplacement for PASS-04 §5.1 and C019; P05-C008–C009\n\nThe full statutory structure is:\n\n| Clause | Operative rule | Important boundary |\n| --- | --- | --- |\n| (a)(1)(A) | Do not furnish when the person knows or has reasonable cause to believe information is inaccurate | “Reasonable cause” is defined in (D) as specific knowledge beyond solely consumer allegations creating substantial doubts |\n| (a)(1)(B) | Do not furnish after consumer notice to the specified address identifying specific information as inaccurate, if the information is in fact inaccurate | Notice and factual inaccuracy are both required |\n| (a)(1)(C) | A person that clearly and conspicuously specifies the address for (B) notices is not subject to (A) | Narrow express displacement of (A); it is not an exemption from the entire FCRA |\n| (a)(1)(D) | Defines the reasonable-cause standard for (A) | Consumer allegation alone is not conclusive |\n\nCorrected conclusion: Specifying a proper dispute address can disapply §623(a)(1)(A) under the literal conditions of (C), but does not eliminate (B), the correction/update and dispute-notation provisions in §623(a)(2)–(3), separate CRA-notice-triggered §623(b), or applicable Regulation V §1022.43 duties. Nor does (C) itself transform every consumer statement into established inaccuracy. USCode\n\nRegulation V's direct-dispute address and sufficiency rules remain independently conditional. Section 1022.43 provides qualified routes involving an address on the consumer report, an address clearly and conspicuously specified for direct disputes, or another business address where neither specified address is available, plus subject-matter exclusions and sufficient dispute information. The §623(a)(1)(B) address test must not be silently replaced with that entire regulatory scheme. P05-C027. Consumer Financial Protection Bureau\n\n## G2. Corrected pinpoints and previously missing atomic claims\n\n### 3. Turner — exact Wisconsin opinion-page mapping\n\nReplacement for PASS-04 S006, C039, and the case grid; P05-C014\n\nI freshly opened the official 16-page Wisconsin Court of Appeals PDF and visually inspected zero-based PDF pages 12, 13, and 14.\n\n| Paragraph | Printed opinion page | Zero-based PDF page | Relevant finding |\n| --- | --- | --- | --- |\n| ¶23 | 12 | 12 | Reasonable expectation that the bank maintain a system capable of conveying disputed status |\n| ¶24 | 12–13 | 12–13 | Earlier telephone correction did not automatically satisfy later monthly reporting; error-defense discussion |\n| ¶25 | 13 | 13 | Statutory bona-fide-error defense could not be broadened by general good faith |\n| ¶26 | 13–14 | 13–14 | Each relevant transmission required disputed-status disclosure |\n| ¶27 | 14 | 14 | Violation found on the facts; judgment reversed and remanded |\n\nThe PDF has a cover page, so printed page 12 is not zero-based PDF page 11.\n\nReplacement pinpoint: Turner v. Gene Dencker Buick-Pontiac, Inc., 2001 WI App 28, ¶¶23–27, printed pages 12–14, zero-based PDF indexes 12–14.\n\nThe case applied the 1997–1998 Wisconsin statutes and decided Wisconsin merits issues. It did not decide whether a later claim survives Purcell-type federal furnishing preemption or establish modern private damages entitlement. Wisconsin Court System\n\n### 4. Security freezes — corrected statutory cross-reference\n\nReplacement for PASS-04 S020, C037, and the freeze coverage row; P05-C015–C016\n\nFresh access now succeeded to the October 15, 2026 OLRC compilation of 15 U.S.C. §1681c-1 at the literal `/119-124/` URL. The earlier alternative `/119-118/` URL was also opened, but its displayed text identified a different, October 7 compilation. Those URLs and displayed versions are separately recorded in the register.\n\nThe correct provisions are:\n\n- §1681c-1(i)(2): Free placement of a security freeze, after the required request and identification.\n- §1681c-1(i)(3): Free removal, including temporary removal, with the prescribed request and identification.\n- §1681c-1(i)(4): The actual exceptions to a freeze, including specified existing-account review or collection, qualifying assignees and agents, enumerated governmental activities, and other listed permissible uses.\n- §1681c-1(j): A different regime protecting minors under 16 and certain legally protected adults through representatives, files or records, and qualifying freezes.\n\nThe original PASS-04 attribution of ordinary freeze exceptions to (j) was incorrect. This correction does not undertake the separate protected-consumer or identity-theft dossier. USCode\n\nA freeze does not automatically prevent access for covered existing-account collection activity, cancel a debt, remove tradelines, or halt furnishing. Its statutory exceptions remain conditional, not an unlimited right to access reports.\n\n### 5. Negative-information notice — separate §623(a)(7) claim\n\nMissing PASS-04 atomic coverage; P05-C010–C012\n\nActor: A financial institution as defined by 15 U.S.C. §6809 that extends credit and regularly furnishes information in the ordinary course to a nationwide CRA described in §1681a(p).\n\nTrigger: Furnishing negative information about credit extended to a customer. For this subsection, negative information concerns delinquencies, late payments, insolvency, or default.\n\nTiming: Written notice before or no later than 30 days after the qualifying first furnishing. A notice provided before furnishing cannot be buried in the initial credit disclosures under §1637(a).\n\nDelivery/content: The notice must be clear and conspicuous. It may accompany a billing statement, default notice, or other customer materials.\n\nSubsequent reporting: Once a valid notice is provided, later negative furnishing concerning the same transaction, credit extension, account, or customer generally does not require repeated notices.\n\nSafe harbor/exception: Section 623(a)(7)(F) contains a protection involving reasonable compliance policies and procedures or reasonable belief that contacting the consumer is legally prohibited. This is not a blanket exemption from the underlying accuracy provisions.\n\nThe statute does not require a financial institution that sends a notice to furnish adverse information. USCode+1\n\nRegulation V Appendix B supplies optional models, not mandatory dispute letters.\n\n| Model | Intended use | Safe-harbor limit |\n| --- | --- | --- |\n| B-1 | Notice given before negative furnishing | Proper use supplies specified §623(a)(7) notice compliance |\n| B-2 | Notice given after furnishing | Proper use supplies specified §623(a)(7) notice compliance |\n\nA model may be modified only within the appendix's permitted limits without losing its protection. It does not satisfy unrelated investigation or accuracy duties. Consumer Financial Protection Bureau\n\nOld PASS-04 C019 addressed other §623(a) duties, C027 addressed date of first delinquency, and C038 addressed complaints. None supplied the complete §623(a)(7) notice predicates. This is new atomic coverage, not a retroactive declaration that the old claim did.\n\n### 6. FDCPA remedies — separate §1692k claim\n\nCorrection to PASS-04 remedy coverage row; P05-C013\n\nFor an actionable FDCPA violation by a covered debt collector, 15 U.S.C. §1692k provides:\n\n- proven actual damages caused by noncompliance;\n- in an individual action, such additional damages as the court allows, up to $1,000 per action, not automatically $1,000 per letter or communication;\n- in qualifying class actions, separate named-plaintiff treatment and a class-wide additional-damages ceiling of the lesser of $500,000 or 1% of the collector's net worth;\n- costs and reasonable attorney's fees in successful actions, subject to the statute;\n- a conditional bona-fide-error defense requiring the specified proof and preventive procedures;\n- a one-year period from occurrence of the violation; and\n- protection for qualifying good-faith conformity with a CFPB advisory opinion under subsection (e).\n\nThis is FDCPA §1692k, not FCRA §§1681n/o. Article III concrete-injury requirements, defendant identity, causation, available defenses, and state-court jurisdiction remain case-specific. P05-C013. USCode\n\n## G3. Current primary-access and confidence holds\n\n### 7. Wisconsin official-source failure remains unresolved\n\nA different versioned Wisconsin Legislature route was attempted in this pass for §427.104 and 2025 Act 105. Both returned an inaccessible-source error. Earlier official direct-section and chapter-PDF failures remain documented rather than treated as successful reads.\n\nConsequently, the following PASS-04 assertions are provisional, not accepted as freshly verified current enacted Wisconsin text:\n\n| PASS-04 assertion | What can still be said | What cannot be certified here |\n| --- | --- | --- |\n| C001: ch. 427 transaction and nexus coverage | Prior researcher interpreted 2025 statutory reproductions and locators | Entire official current §§421.201, .202, .301 body and exceptions |\n| C002–C003: Wisconsin false-credit/disputed-status provisions | Turner independently establishes how the 1997–1998 provision was applied on those facts | That the whole current statutory and administrative text remains unchanged |\n| C004: ch. 427 versus licensed-collector conduct scope | Two different actor/transaction frameworks were identified in prior research | Current official integrated DFI-Bkg 74 text |\n| C005: Wisconsin actual-plus-penalty remedy | The cited older reconstruction can be analyzed conditionally | Current enacted §§427.105, 425.304, 425.307 and their interaction |\n| C049: $25,000 to $50,000 Wisconsin Consumer Act threshold on January 1, 2027 | Prior report identifies this as an Act 105 future-effective change | The exact current enacted Act 105 body and complete transition conditions |\n| Wisconsin freeze §100.54 | Earlier current reproduction identifies a state freeze scheme | Full currently operative Wisconsin text and exact federal conflict analysis |\n\nThese statements are not erased; their evidentiary status is held pending accessible official enactment text. The pending review should obtain official Wisconsin act/statute/code publications or a genuinely verifiable alternative official copy and examine amendments and effective dates. P05-C017, C024, C026.\n\n### 8. Free annual report — primary text newly recovered\n\nThe current OLRC §1681j page was successfully read in this PASS-05. This resolves the earlier federal primary-access gap for that exact section; there is no reason to continue labeling §1681j itself unread.\n\n§1681j(a)(1): The described nationwide CRAs and nationwide specialty CRAs have a statutory once-per-12-month free-disclosure requirement, with the applicable centralized or streamlined request process.\n\n§1681j(a)(2): A qualifying free annual disclosure must be provided no later than 15 days after receipt of the applicable request.\n\n§1681j(a)(3): A separate reinvestigation provision says that a §611 reinvestigation requested after receiving a report under §1681j(a) must be completed within 45 days after receipt of the dispute request, notwithstanding §1681i(a)(1)'s periods. USCode\n\nThis requires a correction to the blanket implication in PASS-04's 30-versus-45-day workflow. There are at least two legally distinct ways a 45-day ceiling can become relevant:\n\n| Route | Statutory trigger | Ceiling |\n| --- | --- | --- |\n| §1681i(a)(1)(B) | Qualified new relevant information within the initial 30-day reinvestigation period | Up to 30 + 15 = 45 days |\n| §1681j(a)(3) | Qualifying reinvestigation requested after receipt of a free annual report under subsection (a) | 45 days under this separate statutory provision |\n\nThe ordinary 30-day rule is not erased. Nor is it established here that every voluntary weekly report is necessarily a report received under subsection (a) for the special 45-day provision; that classification remains a narrower application question.\n\nThe FTC confirms that the three nationwide CRAs currently offer voluntary free reports weekly through the authorized centralized source. The baseline statutory annual entitlement and voluntary weekly availability must remain separate. P05-C018–C019. Consumer Advice\n\n### 9. Medical publisher policies — exact verified wording\n\nCorrection to PASS-04 C032 and medical coverage row; P05-C020–C021\n\nTransUnion: Its May 19, 2026 article specifically says that medical collection debt with an initial reported balance under $500 and paid medical collection debt do not appear on credit reports, and that unpaid medical collections are subject to a one-year waiting practice measured from original delinquency. TransUnion\n\nExperian: Its October 22, 2026 article discusses medical collections below $500 and distinguishes medical from ordinary paid-collection reporting. It uses broader educational language about credit bureaus and credit-scoring models. The article is not independent inspection of Equifax's current actual policy implementation. Experian\n\nAccordingly:\n\n- “Under $500” is less than $500, not necessarily $500 exactly.\n- The TransUnion amount refers to initial reported balance, not necessarily current outstanding balance.\n- Paid medical collection exclusion is not a universal statutory entitlement created by the vacated CFPB rule.\n- No all-product, all-specialty-CRA, or independently verified Equifax implementation claim is made.\n- The unsourced or unnamed CFPB medical FAQ formerly referenced in PASS-04 C032 is withdrawn as independent evidence unless its exact page is later retrieved and read.\n\nMedical assistance, clinical classification, veteran-specific circumstances, original debt instrument, charity care, state medical law, and any actual account remain separate holds.\n\n## G4. Rendering, medical-rule status, and observation corrections\n\n### 10. Replace duplicated formulas with one plain expression each\n\nThese are arithmetic or symbolic relationships, not validations of a legal entitlement.\n\n| PASS-04 location | Single replacement expression | Required assumption |\n| --- | --- | --- |\n| §7.1 reporting age | DOFD + 180 days + 7 years | Qualifying FCRA collection/charge-off account; applicable §1681c(c) reporting-age rule and exceptions |\n| Example 8 | Refer to the §7.1 DOFD expression | Do not render the same formula twice |\n| Example 1, original balance | $3,100 + $300 = $3,400 | No other charges, payments or credits |\n| Example 1, corrected balance | $3,400 − $200 = $3,200 | Investigation actually establishes a $200 unauthorized component |\n| Example 5, potential extension | 30 + 15 = 45 calendar days | Applies to the §1681i additional-information branch; separately consider §1681j(a)(3) |\n| Example 6, reduction | $4,800 − $2,100 = $2,700 | The payment is completed and agreement actually forgives the difference |\n| Example 6, discharged balance | $4,800 − $2,100 − $2,700 = $0 | The settlement legally satisfies the entire obligation |\n| Wisconsin hypothetical, doubled charge | 2 × $160 = $320 | Assumed finance charge, not independently verified legal fee basis |\n| Wisconsin hypothetical, numerical band | min(max($320, $100), $1,000) = $320 | Formula is a stipulated reconstruction pending official current Wisconsin text |\n\nAll seven coordinator-identified scalar relationships are numerically correct. The two Wisconsin penalty expressions establish only scalar arithmetic. They do not validate the applicable statute, whether actual damages may be added, standing, preemption, defenses, or any payment.\n\nNo exact receipt-based calendar, holiday computation, business-day count, statutory penalty award, score prediction, or deletion consequence is inferred. P05-C023–C024.\n\n### 11. The January 2025 medical rule was final, then vacated\n\nThe prior reference to the amendments as “proposed additions” was wrong.\n\nThe rule was published as a final rule, Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V), 90 Fed. Reg. 3276 (January 14, 2025), directed at 12 C.F.R. §§1022.3, 1022.30, and 1022.38.\n\nIn Cornerstone Credit Union League v. CFPB, the Eastern District of Texas entered the July 11, 2025 opinion and final judgment setting aside and vacating that rule in its entirety. The current CFPB compliance page expressly acknowledges the vacatur and labels its earlier rule materials reference-only. Consumer Financial Protection Bureau\n\nThe actual court-document observations in this pass were:\n\n| Document | Relevant pages | What was inspected |\n| --- | --- | --- |\n| Document 52, 34-page memorandum opinion | Printed 30 and 34; zero-based PDF indexes 29 and 33 | Page images, including remedy reasoning and signed vacatur |\n| Document 53, two-page final judgment | Printed 1–2; zero-based indexes 0–1 | Both page images, including express vacatur and remand |\n\nThe files were accessed from CourtListener's mirror of original court-filed documents, not a judiciary-operated document host. This pass does not certify every later appellate filing or a complete citator. The narrower October 26 conclusion is that the CFPB's current published status and these original court documents support treating the 2025 final medical rule as vacated. P05-C022.\n\n### 12. Observation and version boundaries\n\n- Turner was freshly inspected by page image, not only by text indexing.\n- The cited Cornerstone pages and judgment were freshly inspected by page image.\n- The CFPB, OLRC, FTC, TransUnion, and Experian text passages identified above were freshly read.\n- The full Wisconsin official enactment bodies remained inaccessible on the attempted routes; no simulated source recovery is claimed.\n- The newly retrieved OLRC §§1681j and 1681c-1 pages show the October 15, 2026 compilation. The §1681s-2 page shows October 7, 2026. Neither is misrepresented as sharing an identical compilation cutoff.\n- Earlier coordinator reads, older PASS-04 source entries, and unopened linked sample letters are not counted as fresh PASS-05 reading.\n- A publication, webpage-update, rulemaking, or opinion date is not automatically the statute's effective date.\n- No complete subsequent-history service or all-source certification was performed.\n\nP05-C025.\n\n## 13. Bounded corrected comparisons\n\nThese examples demonstrate only the corrected legal boundaries.\n\n| Scenario | Conditional analysis | Held facts or adverse branch |\n| --- | --- | --- |\n| A collector returns a fully settled account to its real owner | §1006.30(b)(2)(i)(A) permits transfer to the actual owner | A different replacement collection agency is not automatically covered by the owner exception |\n| A collector sends a paid debt back to a prior owner | Requires authorization in the original collector–previous-owner contract | A new agreement or claimed business convenience is not assumed to satisfy the rule |\n| A portfolio moves in a genuine corporate acquisition | May fall under §1006.30(b)(2)(i)(C) | A routine agency-to-agency placement cannot be relabeled a corporate acquisition |\n| Bankruptcy discharged personal liability but an enforceable lien remains | §1006.30(b)(2)(ii) requires enforceable security and notice to transferee of the personal discharge | Without lien or proper notice, do not presume the exception |\n| A furnisher conspicuously designated a dispute address | §623(a)(1)(C) removes applicability of (A) as specified; test (B), (a)(2)–(3), §623(b), and Reg V independently | Address designation does not establish the accuracy of a disputed entry |\n| A qualified financial institution first sends negative data to a nationwide CRA | §623(a)(7) generally permits written notice before or within 30 days after furnishing | Not universal for all collection agencies or all CRAs; later same-account notice exception can apply |\n| A consumer disputes after receiving a qualifying free annual report | §1681j(a)(3) supplies its own 45-day reinvestigation ceiling | Do not assume every weekly voluntary report activates this exception |\n| Ordinary consumer requests federal credit freeze | No-charge placement/removal under §1681c-1(i)(2)–(3); (i)(4) exceptions control | Existing-account collection access can remain possible; subsection (j) addresses a different protected-consumer regime |\n| Medical collection initially reported at $499 versus $500 | TransUnion's published under-$500 wording covers $499 on the assumed classification | It does not establish equal-$500 exclusion or independently verify all other CRAs |\n\nNo case history, contractual assignment, consumer reporting event, or actual institution compliance is determined by these hypotheticals.\n\n## 14. Group-resolution and PASS-04 crosswalk\n\nThis table specifies which PASS-04 assertions are replaced, narrowed, supplemented, or retained with a hold. Resolved means the particular correction was supported by evidence read in PASS-05, not that the whole underlying legal topic has passed coordinator review.\n\n| Group / subissue | Old PASS-04 location or claim | Replacement P05 claim/source | Required change | Status |\n| --- | --- | --- | --- | --- |\n| G1 — Paid/settled/discharged transfer prohibition | §4.2; C009 incorrectly used for both (a) and (b) | C001 / S001 | State actual actor, knowledge, prohibited transactions and (b) scope | Resolved |\n| G1 — Owner exception | §4.2 broad transfer language | C002 / S001 | Actual owner, not any replacement agency | Resolved |\n| G1 — Previous-owner exception | Missing contract condition | C003 / S001 | Original collector–previous-owner contract must authorize | Resolved |\n| G1 — Corporate transaction | Incomplete exceptions | C004 / S001 | Preserve merger, acquisition, purchase-and-assumption, substantially-all-assets branches | Resolved |\n| G1 — Discharged secured debt | Incomplete exceptions | C005 / S001 | Enforceable lien and transferee personal-discharge notice | Resolved |\n| G1 — Securitization/pledge | Incomplete exceptions | C006 / S001 | Statutory carve-out, not broad debt-sale permission | Resolved |\n| G1 — “Exchanges required by law” | §4.2 incorrect substitute | C007 / S001 | Delete phrase; distinguish information furnishing from debt transfer | Resolved |\n| G1 — Debt parking distinct | C009 | C007 / S001 | Retain C009 only for §1006.30(a), including specialty-CRA exception | Resolved |\n| G1 — Furnisher address qualification | §5.1; C019 | C008 / S002 | Add (a)(1)(C) and (D); distinguish (A) and (B) | Resolved |\n| G1 — Remaining duties | C019, C020–C025 | C009, C027 / S002–S003 | (a)(2)/(3), (b), and Reg V remain distinct | Resolved |\n| G2 — Turner page mapping | S006; C039; case grid | C014 / S007 | Correct printed 12–14 to zero indexes 12–14 | Resolved; pages visually inspected |\n| G2 — Ordinary freeze subsections | S020; C037 | C015 / S008 | Replace incorrect (j) reference with (i)(2)–(4) | Resolved |\n| G2 — Protected-consumer distinction | S020 | C016 / S008 | Identify (j) as separate protected-consumer scheme | Resolved narrowly |\n| G2 — Initial negative-information notice | §5.1; C019, C027 and C038 insufficient | C010–C011 / S002, S005, S034 | Add actor, nationwide CRA, notice and timing predicates | Resolved |\n| G2 — Optional notice model | S030, no complete atomic claim | C012 / S004 | B-1 before; B-2 after; conditional safe harbor | Resolved |\n| G2 — FDCPA remedies | Remedy coverage row incorrectly relies on FCRA C034 | C013 / S006 | Add separate §1692k claim including limitation/defenses | Resolved narrowly |\n| G3 — Current Wisconsin coverage | C001–C005; S001–S005 | C017 / S018, S020–S028 | Downgrade official-current verification confidence | Partial / held |\n| G3 — Wisconsin remedy formula | §9, Example 11; C005 | C023–C024 / S025–S026 | Retain scalar arithmetic; hold legal application and stacking | Arithmetic resolved; law held |\n| G3 — Act 105 threshold | C049; S042 | C026 / S019, S029 | Treat future change as prior researcher-attributed, official body unread | Held |\n| G3 — Current §1681j | S019; C036 | C018 / S010–S012 | Replace earlier source-access hold with successful current OLRC read | Resolved federal access |\n| G3 — Additional 45-day branch | §6; Example 5; C014 | C019 / S010, S031 | Add §1681j(a)(3), separate from new-information extension | Resolved statutory rule; application conditional |\n| G3 — Freeze edition | S020 | C015–C016, C025 / S008–S009 | Distinguish accessed URLs and displayed compilation versions | Resolved current OLRC access |\n| G3 — TransUnion policy | S026; C032 | C020 / S013 | Specify initial reported balance under $500, paid debts, one-year unpaid practice | Resolved publisher wording |\n| G3 — Experian and third CRA | S027; C032 | C021 / S014 | Attribute only publisher's own text; don't claim separate Equifax read | Partial |\n| G3 — Unnamed CFPB medical FAQ | C032 | C021–C022 / S014–S017 | Withdraw unidentified FAQ as evidence; retain actual order and publisher sources | Resolved provenance; wider policy held |\n| G4 — DOFD duplicate rendering | §7.1 and Example 8 | C023 / S032 | One symbolic expression, second location references it | Resolved rendering |\n| G4 — Scalar examples | Examples 1, 5, 6, 11 | C023–C024 / S025–S026, S031 | Seven numeric checks; no legal-entitlement inference | Arithmetic resolved |\n| G4 — Medical amendments description | §8; C030; S022–S024 | C022 / S015–S017 | “Final rule, later vacated,” not “proposed additions” | Resolved |\n| G4 — Court PDFs and access | S023–S024 | C022, C025 / S016–S017 | Record actual page images and CourtListener mirror status | Resolved as described |\n| G4 — Source versions | S010, S018–S020 and related text | C025 / S002, S006, S008–S010, S033 | Don't merge October 7/15 compilations or old Wisconsin reads | Resolved provenance; state held |\n| G4 — Forms and independent review | S028–S034; final self-check | C028 / S030 | Preserve earlier dated reads, no opened-letter or independent-review claim | Procedural boundary retained |\n\nUnaffected PASS-04 work: Findings outside these corrections remain in the original saved PASS-04 with their previous evidentiary status. They are not newly verified, independently reviewed, or accepted merely because this correction is complete.\n\n# 15. Source register\n\nAll fresh accesses below occurred on October 26, 2026, America/Los_Angeles and October 26, 2026 UTC. Individual fetch timestamps are not asserted.\n\nThe status column distinguishes actual body reading, page-image inspection, unsuccessful access, and dated reuse from PASS-04.\n\n### Newly read federal authorities, opinions, and publisher materials\n\n| Source ID | Issuer, title and full literal direct URL | Exact location, version/effective status | Actual access and limitation |\n| --- | --- | --- | --- |\n| S_WI-P05-S001 | CFPB, Regulation F §1006.30, Other prohibited practices. `https://www.consumerfinance.gov/rules-policy/regulations/1006/30/` | (a)(1)–(2), official comments 30(a)(1)-1–3; (b)(1), comment 30(b)(1)-1–2; (b)(2)(i)(A)–(C), (ii), (iii), comment 30(b)(2)(i)(A)-1. Current regulation | Fresh full relevant operative text and commentary read |\n| S002 | U.S. House OLRC, 15 U.S.C. §1681s-2, Responsibilities of furnishers. `https://uscode.house.gov/us/usc/119-120/t15/s1681s-2/` | (a)(1)(A)–(D), (a)(2), (a)(3), (a)(7)(A)–(G), (a)(8), (b), (c), (d). Text through Public Law 119-120, October 7, 2026 | Fresh official body read. Not represented as October 15 compilation |\n| S003 | CFPB, Regulation V §1022.43, Direct disputes. `https://www.consumerfinance.gov/rules-policy/regulations/1022/43/` | (a)–(f), especially (b), (c), (d), (e). Current regulation | Fresh relevant operative text read; no new independent full direct-dispute dossier |\n| S004 | CFPB, Regulation V Appendix B, Model Notices of Furnishing Negative Information. `https://www.consumerfinance.gov/rules-policy/regulations/1022/b/` | Appendix B introductory paragraphs (a)–(d); Model B-1 and Model B-2. Current | Fresh model and safe-harbor text read |\n| S005 | U.S. House OLRC, 15 U.S.C. §6809, Definitions. `https://uscode.house.gov/us/usc/119-124/t15/s6809/` | §6809 definitions referenced by §1681s-2(a)(7), including “financial institution” and “customer.” Through Pub. L. 119-124, Oct. 15, 2026 | Fresh official relevant definitions read; no broader GLBA review |\n| S006 | U.S. House OLRC, 15 U.S.C. §1692k, Civil liability. `https://uscode.house.gov/us/usc/119-124/t15/s1692k/` | (a)(1)–(3), (b)(1)–(2), (c), (d), (e); through Pub. L. 119-124 | Fresh complete operative section read |\n| S007 | 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. Printed pp.12–14; zero PDF indexes 12–14. Published historical opinion, applying 1997–1998 statute | Fresh official PDF text and page images 12–14 inspected. No full citator |\n| S008 | U.S. House OLRC, 15 U.S.C. §1681c-1, Identity theft prevention; fraud alerts and active duty alerts. `https://uscode.house.gov/us/usc/119-124/t15/s1681c-1/` | (i)(2), (i)(3), (i)(4), (j)(1). Through Pub. L. 119-124, Oct. 15, 2026 | Fresh current official section read. Protected-consumer law not investigated beyond distinction |\n| S009 | U.S. House OLRC, alternative historical-locator request. `https://uscode.house.gov/us/usc/119-118/t15/s1681c-1/` | Requested path contains `/119-118/`; returned page displayed text through Pub. L. 119-120, Oct. 7, 2026 | Freshly opened but not represented as a validated 119-118 edition. S008 controls current source claim |\n| S010 | U.S. House OLRC, 15 U.S.C. §1681j, Charges for certain disclosures. `https://uscode.house.gov/us/usc/119-124/t15/s1681j/` | (a)(1)(A)–(C), (a)(2), (a)(3), (a)(4), (b); through Pub. L. 119-124 | Fresh current official body read successfully, correcting prior access hold |\n| S011 | U.S. House OLRC, 15 U.S.C. §1681g, Disclosures to consumers. `https://uscode.house.gov/us/usc/119-124/t15/s1681g/` | (a) file information/source rights; relevant cross-reference to §1681j. Through Pub. L. 119-124 | Fresh limited relevant section read |\n| S012 | Federal Trade Commission, Free Credit Reports. `https://consumer.ftc.gov/articles/free-credit-reports` | “How often can I get a free report?”; nationwide CRAs' free weekly practice and statutory annual right | Fresh official guidance read. Voluntary practice not an enacted frequency amendment |\n| S013 | TransUnion, How Long Do Collections Stay on Your Credit Report? `https://www.transunion.com/blog/credit-advice/how-long-do-collections-stay-on-your-credit-report` | Updated May 19, 2026; “Medical debt collections on your credit report” | Fresh publisher body read. Applies to described policy; not law/all CRA certification |\n| S014 | Experian, How Do I Get a Paid Collection Off My Credit Report? `https://www.experian.com/blogs/ask-experian/how-do-i-get-a-paid-collection-off-my-credit-report/` | Dated Oct. 22, 2026; sections on paid collections and medical collections | Fresh publisher body read. No independent Equifax read |\n| S015 | CFPB, Credit reporting requirements (FCRA). `https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/fair-credit-reporting-act/` | Page updated June 1, 2026; current notice concerning Cornerstone, vacatur, reference-only medical rule materials | Fresh official page read. Website update date is not legal effective date |\n| S016 | U.S. District Court, E.D. Texas, Cornerstone Credit Union League v. CFPB, Document 52, Memorandum Opinion and Order. `https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.52.0_1.pdf` | Filed July 11, 2025; 34 pages. Printed pp.30, 34; zero PDF indexes 29, 33; remedy and signed vacatur | Fresh original court-document text and selected page images read via CourtListener mirror, not judiciary host |\n| S017 | Same case, Document 53, Final Judgment. `https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.53.0.pdf` | July 11, 2025; printed pp.1–2; zero PDF indexes 0–1; final vacatur/remand | Fresh both page images and body read via court-document mirror |\n\n### Wisconsin current-text and legacy-evidence holds\n\n| Source ID | Issuer, document and literal URL | Pinpoint / version required | Actual access/status |\n| --- | --- | --- | --- |\n| S018 | Wisconsin Legislature, different versioned §427.104 route. `https://docs.legis.wisconsin.gov/2025/statutes/statutes/427/104` | Official enacted §427.104, especially (1)(c), (e), (f), relevant exceptions | Fresh attempted; inaccessible. Not an empty statute |\n| S019 | Wisconsin Legislature, different versioned 2025 Act 105 route. `https://docs.legis.wisconsin.gov/2025/acts/105` | Enacted Act 105 text and effective-date provisions | Fresh attempted; inaccessible. Future-threshold text held |\n| S020 | Wisconsin Legislature, Wis. Stat. §421.201. `https://docs.legis.wisconsin.gov/statutes/statutes/421/ii/201` Access copy: `https://law.justia.com/codes/wisconsin/chapter-421/section-421-201/` | Territorial applicability and exceptions; 2025 reproduced statute | PASS-04 dated reproduction/official-locator evidence only; no successful fresh P05 official body read |\n| S021 | Wisconsin Legislature, Wis. Stat. §421.202. `https://docs.legis.wisconsin.gov/statutes/statutes/421/ii/202` Access copy: `https://law.justia.com/codes/wisconsin/chapter-421/section-421-202/` | Exclusions and amount threshold; 2025 reproduction | Prior reproduced text only, current official body held |\n| S022 | Wisconsin Legislature, Wis. Stat. §421.301. `https://docs.legis.wisconsin.gov/statutes/statutes/421/iii/301` Access copy: `https://law.justia.com/codes/wisconsin/chapter-421/section-421-301/` | Consumer/merchant/transaction definitions | Prior reproduced text only, current official body held |\n| S023 | Wisconsin Legislature, Wis. Stat. §427.104. `https://docs.legis.wisconsin.gov/statutes/statutes/427/104` Access copy: `https://law.justia.com/codes/wisconsin/chapter-427/section-427-104/` | (1)(c), (e), (f); historical Turner application separately in S007 | Prior reproduction; official integrated body inaccessible |\n| S024 | Wisconsin Legislature, Wis. Stat. §427.105. `https://docs.legis.wisconsin.gov/statutes/statutes/427/105` Access copy: `https://law.justia.com/codes/wisconsin/chapter-427/section-427-105/` | Actual damages and statutory remedy interactions | Prior reproduction; no new verified official current body |\n| S025 | Wisconsin Legislature, Wis. Stat. §425.304. `https://docs.legis.wisconsin.gov/statutes/statutes/425/304` Access copy: `https://law.justia.com/codes/wisconsin/chapter-425/section-425-304/` | Consumer statutory penalty, limitations and defenses relevant to original reconstruction | Prior reproduction only. Formula's legal application held |\n| S026 | Wisconsin Legislature, Wis. Stat. §425.307. `https://docs.legis.wisconsin.gov/statutes/statutes/425/307` Access copy: `https://law.justia.com/codes/wisconsin/chapter-425/section-425-307/` | WCA enforcement limitation provisions | Prior reproduction only; no fresh comprehensive remedy read |\n| S027 | 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/` | State credit-freeze statute and potential fee conflict | Prior reproduction only; federal S008 newly controls current federal proposition |\n| S028 | Wisconsin Legislature, Wis. Admin. Code ch. DFI-Bkg 74. `https://docs.legis.wisconsin.gov/code/admin_code/dfi/dfi_bkg/74` Section reproduction: `https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-16` | §74.16(3),(6),(7) and current rule history | Prior reproduced rule body only; official integrated chapter not recovered |\n| S029 | Wisconsin Legislature, 2025 Wisconsin Act 105. `https://docs.legis.wisconsin.gov/document/acts/2025/105%2C1` `https://docs.legis.wisconsin.gov/document/acts/2025/105%2C2` | Claimed §421.202 amount and Jan. 1, 2027 effective provision | Earlier coordinator/PASS-04 locators inaccessible; no new current official body verification |\n| S030 | Wisconsin DFI, BCA500 consumer complaint form. `https://dfi.wi.gov/Documents/ConsumerServices/WisconsinConsumerAct/Forms/BCA500.pdf` | Revised January 2023; printed pp.1–2, zero indexes 0–1 | PASS-04 dated read only, not freshly reopened; no form submitted |\n\n### Additional newly read or failed federal passages\n\n| Source ID | Issuer, title and literal URL | Pinpoint/version | Actual status |\n| --- | --- | --- | --- |\n| S031 | U.S. House OLRC, 15 U.S.C. §1681i. `https://uscode.house.gov/us/usc/119-124/t15/s1681i/` | (a)(1)(A)–(C); statutory 30-day and conditional 15-day extension; Pub. L. 119-124 | Fresh official body read |\n| S032 | U.S. House OLRC, 15 U.S.C. §1681c. `https://uscode.house.gov/us/usc/119-124/t15/s1681c/` | (a)(4), (b), (c)(1); collection/charge-off age and exclusions; Pub. L. 119-124 | Fresh official relevant body read |\n| S033 | U.S. House OLRC, later-edition attempted §1681s-2. `https://uscode.house.gov/us/usc/119-124/t15/s1681s-2/` | Requested October 15, 2026 edition | Fresh attempted; inaccessible. S002 is the actual successful October 7 section |\n| S034 | U.S. House OLRC, 15 U.S.C. §1681a. `https://uscode.house.gov/us/usc/119-124/t15/s1681a/` | (c), (f), (p), (x); consumer, CRA and nationwide/specialty classifications | Fresh relevant official definitions read, through Pub. L. 119-124 |\n\nSource-register reconciliation: 34 unique S_WI-P05 source IDs. These comprise successful fresh reads, distinct failed retrievals, and clearly labeled prior-research references. The Wisconsin prior-read references are not counted as fresh official legal verification.\n\n# 16. Atomic claim register\n\nConfidence applies only to the specified legal proposition under its conditions. It does not imply coordinator acceptance, provider compliance, or a real claimant's result.\n\n| Claim ID | Precise assertion | Source and pinpoint | Conditions, exceptions, consequence, old crosswalk, confidence |\n| --- | --- | --- | --- |\n| S_WI-P05-C001 | A covered collector may not sell, transfer for consideration, or place for collection a debt known or reasonably known paid, settled, or bankruptcy-discharged absent an exception. | S001 §1006.30(b)(1) | Federal collector and actual knowledge standard; replaces P04 §4.2. High |\n| C002 | Transfer to actual debt owner is excepted, not automatically transfer to another collector on owner's behalf. | S001 (b)(2)(i)(A), official comment | Actual owner required; replaces incomplete P04 wording. High |\n| C003 | Previous-owner transfer requires authorization in original collector–previous-owner contract. | S001 (b)(2)(i)(B) | Specific parties/contract. High |\n| C004 | Merger, acquisition, purchase-and-assumption, or substantially-all-assets transfer is excepted. | S001 (b)(2)(i)(C) | Genuine listed corporate event. High |\n| C005 | Bankruptcy-discharged secured debt can fall within exception only with enforceable lien and transferee discharge notice. | S001 (b)(2)(ii) | Both predicates mandatory. High |\n| C006 | Securitization and debt-portfolio pledge for borrowing are not barred by (b)(1). | S001 (b)(2)(iii) | Narrow transactions, not any sale. High |\n| C007 | §1006.30(a) debt parking differs from (b) debt transfers; mere data transmission to analytics or reporting is not necessarily a paid-debt transfer. | S001 (a)(1)–(2), (b)(1) commentary | P04 C009 remains (a)-only; remove exchanges-required-by-law wording. High |\n| C008 | §623(a)(1)(C) exempts a conspicuously address-designating furnisher from (A), while (B) separately requires designated-address notice and actual inaccuracy. | S002 (a)(1)(A)–(D) | Not whole-FCRA exemption; revises P04 C019. High |\n| C009 | Furnisher correction/update, disputed-status, CRA-referral and Reg V duties remain independently applicable as their predicates require. | S002 (a)(2), (a)(3), (b); S003 | Direct consumer notice not §623(b) CRA notice. P04 C019 supplemented. High |\n| C010 | §623(a)(7) requires qualified financial institution to notify customer before or within 30 days after first covered negative furnishing to nationwide CRA. | S002 (a)(7)(A), (B), (G); S005; S034 | Actor, regular furnishing, credit/customer, negative-information predicates; new coverage. High |\n| C011 | Notice can cover later same-transaction/account/customer furnishing; upfront notice cannot be in initial §1637(a) disclosures; clear/conspicuous and statutory safe-harbor rules apply. | S002 (a)(7)(A)(ii), (B)(ii), (C)–(F) | Conditional, not blanket exemption. New atomic coverage. High |\n| C012 | Reg V Appendix B models B-1 and B-2 are optional qualified notice-safe-harbor forms. | S004 introductory (a)–(d), B-1/B-2 | Not universal dispute form or other duty safe harbor. High |\n| C013 | FDCPA §1692k gives conditional actual/additional damages, class limits, fees, defenses and one-year limit. | S006 (a)–(e) | Covered collector/action/injury; up to $1,000 per individual action; replaces P04 FDCPA row's incorrect FCRA C034 citation. High |\n| C014 | Turner ¶23 is printed/zero p.12; ¶25 p.13; ¶26–27 pp.13–14, zero 13–14. Historical Wisconsin holding limited to facts/version. | S007 ¶¶23–27 | Fixes P04 S006 and C039; preemption separately unresolved. High for pinpoint |\n| C015 | Current ordinary national freeze rules are §1681c-1(i)(2)–(4), including free placement/removal and enumerated exceptions. | S008 (i)(2)–(4); S009 comparison | Replaces P04 S020/C037 inaccurate (j) reference. High |\n| C016 | §1681c-1(j) governs protected-consumer files/records and freezes, not ordinary freeze exceptions. | S008 (j)(1) onward | Separate juvenile/protected-adult module outside scope. High |\n| C017 | Current official Wisconsin §§421, 425, 427, §100.54 and DFI-Bkg 74 were not verified as complete enacted bodies in P05. | S018–S029 access record | Downgrade P04 C001–C005 and associated accepted-status implication; not a finding that laws absent. High provenance |\n| C018 | §1681j(a) establishes qualified annual free-file access and associated statutory timing, separate from voluntary nationwide weekly policy. | S010 (a)(1)–(2); S011; S012 | Current section successfully read. Corrects P04 C036 source-access hold. High |\n| C019 | §1681j(a)(3) separately permits 45 days for specified reinvestigation after free annual report under subsection (a). | S010 (a)(3); S031 §1681i(a)(1) | Different from 30+15 new-information route; weekly-report classification held. High statutory text |\n| C020 | TransUnion says paid medical collections and qualifying initial reported balances under $500 are excluded, with one-year unpaid waiting practice. | S013, medical section | Publisher scope only, not statute or equality $500. Corrects P04 C032. High for text |\n| C021 | Experian discusses qualifying under-$500 medical collections; separate Equifax/full-three-CRA implementation not independently read. | S014, paid and medical sections | Publisher text only; unidentified CFPB FAQ removed from evidentiary support. Medium-high publisher text |\n| C022 | January 2025 medical amendments were final, then expressly vacated in July 2025; CFPB acknowledges vacatur. | S015; S016 printed pp.30,34 / zero 29,33; S017 pp.1–2 / zero 0–1 | Corrects “proposed additions”; no comprehensive appellate citator. High observed status |\n| C023 | Seven specified scalar calculations are arithmetically correct; DOFD formula rendered once, not duplicated. | S031/S032 for federal time expressions; stipulated numerical inputs | No actual-date, fee, award, score or reporting entitlement. Arithmetic high |\n| C024 | Wisconsin $320 example is conditional numerical computation only, not current-law penalty, stacking or recovery validation. | P04 dated S025/S026; unsuccessful current access S018–S029 | Legal conclusion held; arithmetic high |\n| C025 | Actual access, version and PDF observations must be attributed separately, without pretending historical coordinator views were fresh source reads. | S002, S006–S010, S015–S019, S033 | Process/provenance claim; documented |\n| C026 | Act 105 future $25k-to-$50k threshold remains prior-research attributed until the exact official act body/effective clause is read. | S019, S021, S029 | Not accepted current legislative verification. Held |\n| C027 | Regulation V direct dispute address/content/exclusion predicates are distinct from §623(a)(1)(B)'s specified-address and actual-inaccuracy requirements. | S003 §1022.43(b)–(f); S002 (a)(1)(B)–(C) | A single ordinary letter does not establish all investigation routes. High |\n| C028 | No PASS-01–PASS-04, Wisconsin state, parent registry or A066 conclusion is accepted by this bounded correction. | Research authorization and register status | Procedural scope statement, not a legal-authority claim |\n\nClaim-register reconciliation: 28 atomic S_WI-P05 claims, with no unsupported statement that all PASS-04 claims have been re-reviewed.\n\n# 17. Complete four-group coverage and remaining-evidence table\n\nThis is the final coverage test for PASS-05 itself. An old claim backed only by a source locator is not marked answered as a currently verified legal rule.\n\n| Group / exact subissue | Coverage | P05 claims | P05 sources | Remaining exact evidence / action |\n| --- | --- | --- | --- | --- |\n| G1 — (b)(1) prohibited actor/action/knowledge | Answered | C001 | S001 | Apply covered-collector facts only in later case |\n| G1 — Owner exception | Answered | C002 | S001 | Actual ownership proof if later needed |\n| G1 — Previous-owner original-contract authority | Answered | C003 | S001 | Original transfer contract not supplied |\n| G1 — Corporate transaction exceptions | Answered | C004 | S001 | Real merger/acquisition facts not supplied |\n| G1 — Secured bankruptcy exception | Answered | C005 | S001 | Enforceable lien and transferee notice require facts |\n| G1 — Securitization/pledge | Answered | C006 | S001 | Actual legal structure not supplied |\n| G1 — Information versus debt transfer | Answered | C007 | S001 | Do not generalize to every data transaction |\n| G1 — Debt parking distinct from transfer | Answered | C007 | S001 | Preserve P04 C009 only within paragraph (a) |\n| G1 — Specialty check-writing CRA carve-out | Answered | C007 | S001 | CRA classification if particular event arises |\n| G1 — §623(a)(1)(A)–(D), especially (C) | Answered | C008 | S002 | Actual specified-address disclosure needed |\n| G1 — Continued (a)(2)/(3), §623(b) duties | Answered | C009 | S002–S003 | Event-specific investigation and CRA referral facts |\n| G1 — Reg V address, content, exclusions | Answered at correction boundary | C027 | S003 | Full direct-dispute prior P04 work remains unreviewed |\n| G2 — Turner PDF mapping | Answered | C014 | S007 | No full subsequent-history certification |\n| G2 — Historical merits versus preemption | Partial | C014, C017 | S007, S023 | Current Wisconsin text, later federal preemption and full citator |\n| G2 — Freeze free placement/removal | Answered federal | C015 | S008 | Actual consumer request not investigated |\n| G2 — Ordinary freeze exception location | Answered | C015 | S008 | §1681c-1(i)(4), not (j) |\n| G2 — Protected-consumer (j) distinction | Answered narrowly | C016 | S008 | Full protected-consumer module excluded |\n| G2 — §623(a)(7) actor and CRA scope | Answered | C010 | S002, S005, S034 | Institution/customer status in actual scenario |\n| G2 — First notice and later reporting | Answered | C010–C011 | S002 | Exact initial furnishing and notice records |\n| G2 — §1637(a) initial-disclosure limit | Answered | C011 | S002 | Actual notice/document if later supplied |\n| G2 — §623(a)(7) compliance safe harbor | Answered | C011–C012 | S002, S004 | Actual policies/models, compliance facts |\n| G2 — Models B-1/B-2 | Answered | C012 | S004 | No form used or submitted |\n| G2 — FDCPA §1692k | Answered at bounded correction | C013 | S006 | Liability, defenses, concrete injury and any individual relief outside |\n| G2 — FDCPA source/claim crosswalk | Answered | C013 | S006 | Remove reliance on FCRA-only C034 for this row |\n| G3 — Current Wisconsin statutory definitions | Unresolved official verification | C017 | S020–S023 | Obtain actual current official §§421.201/.202/.301, 427.104 text |\n| G3 — Current Wisconsin administrative rule | Unresolved | C017 | S028 | Complete current official ch. DFI-Bkg 74 and effective history |\n| G3 — Current Wisconsin remedies | Unresolved | C024 | S024–S026 | Full official §§427.105, 425.304/.307 and exceptions |\n| G3 — Wisconsin §100.54 | Unresolved state-law text | C017 | S027 | Official current §100.54 plus precise conflict analysis |\n| G3 — Act 105 future-effective threshold | Unresolved official enactment | C026 | S019, S029 | Read enacted §§1–2 and precise effective date |\n| G3 — Alternative official retrieval | Attempted/failed | C017, C026 | S018–S019 | No unchanged retry loop; alternative authoritative publication needed |\n| G3 — §1681j primary access | Answered, newly recovered | C018 | S010–S011 | None for the precise provision read |\n| G3 — Annual statutory versus weekly policy | Answered | C018 | S010–S012 | Future policy changes remain possible |\n| G3 — Ordinary 30+15 days | Answered | C019, C023 | S031 | Actual relevant-information receipt conditions required |\n| G3 — §1681j(a)(3) separate 45-day branch | Answered statutory rule | C019 | S010 | Classify actual report as one under subsection (a) |\n| G3 — Freeze compilation version | Answered for current 119-124 | C015, C025 | S008–S009 | No claim that alternative URL validated the older edition named in path |\n| G3 — TransUnion under-$500 policy | Answered publisher wording | C020 | S013 | Actual initial reported balance; future version |\n| G3 — TransUnion paid and one-year rules | Answered publisher wording | C020 | S013 | Classification and account timing not supplied |\n| G3 — Experian policy | Partial publisher verification | C021 | S014 | Specific product, amount and policy application held |\n| G3 — Independently verified Equifax policy | Unresolved | C021 | S013–S014 | Directly read current Equifax issuer text if separately authorized |\n| G3 — Unnamed CFPB medical FAQ | Not independently evidenced | C021 | S015 | Remove old source attribution until exact FAQ body located |\n| G3 — Medical/charity/veteran/contract facts | Excluded | C020–C022 | S013–S017 | Separate Wisconsin medical and account-level investigation |\n| G4 — DOFD formula once | Answered rendering | C023 | S032 | Application needs actual DOFD and exclusion facts |\n| G4 — Seven numerical checks | Answered arithmetic | C023–C024 | S031–S032; stipulated inputs | No legal-enforceability validation |\n| G4 — Wisconsin $320 formula/legal effect | Arithmetic answered; law held | C024 | S025–S026 | Actual official formula, eligibility, stacking, preemption and injury |\n| G4 — Medical final-versus-proposed status | Answered | C022 | S015–S017 | No later full appeal/citator certification |\n| G4 — Court order page inspection | Answered for selected pages | C022, C025 | S016–S017 | No claim every PDF page/image was separately inspected |\n| G4 — CourtListener host characterization | Answered | C025 | S016–S017 | Mirror of original court-document, not court-operated host |\n| G4 — OLRC edition distinction | Answered observation | C025 | S002, S006, S008–S010, S033 | Later §1681s-2 edition attempted but inaccessible |\n| G4 — Forms/letters provenance | Bounded dated reuse | C025, C028 | S030 | Linked sample letters not freshly opened; no submissions |\n| G4 — Unaffected P04 sources/claims | Retained, not re-reviewed | C028 | P04 preserved record | Coordinator review separately required |\n| G4 — Independent all-source/citator certification | Excluded | C025, C028 | Access record | No complete citator or source certification |\n| G4 — Publication/operations/parent approval | Excluded | C028 | Research scope | No Wisconsin, component, parent, or A066 acceptance |\n\n# 18. Final reconciliation and researcher self-check\n\n| Audit item | Result |\n| --- | --- |\n| Authorized correction groups | 4 of 4 addressed |\n| New source register | 34 unique IDs, S_WI-P05-S001–S034 |\n| New atomic claim register | 28 unique IDs, S_WI-P05-C001–C028 |\n| Group-resolution entries | 32 |\n| Granular coverage entries | 50 |\n| Original PASS-04 reproduced in full | No; unaffected original preserved |\n| Current federal §1006.30(b) actual text | Read |\n| §1681s-2(a)(1)(C) and (a)(7) | Read |\n| Current §1681j(a)(1)–(3) | Read |\n| Current §1681c-1(i)/(j) | Read |\n| Turner exact pages | Read and visually inspected |\n| Medical rule/order status | Current CFPB page and selected court document images read |\n| Current official Wisconsin enactment bodies | Not successfully recovered; held |\n| Full citator, named entity or real account | Not performed |\n| Private data, contacts, complaints, forms or publications | None |\n\nThe correction establishes the specific federal provisions and identified document observations. It does not mean that every source in the original PASS-04 has been newly checked.\n\nThe principal remaining legal-evidence hold is the current enacted Wisconsin statutory and administrative text, especially how §§427.105, 425.304, and 425.307 interact with reporting violations, defenses, federal preemption, and remedies. The future Act 105 threshold likewise remains at its prior researcher-attributed status until the operative official enactment is recovered.\n\nAll four correction groups have visible replacements, citations, exact URLs, atomic claims and status entries. No legal amount, refund, score change, reporting deletion, statutory penalty, successful lawsuit, or actual authorization is promised.\n\nResearcher self-check only; not independent review, all-source certification, Wisconsin approval, publication readiness, or parent/A066 acceptance.\n\nEND S_WI PASS-05\n\n","tables":[{"headers":[],"index":0,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Clause","Permitted transaction","Exact predicate and limitation","P05 claim"],["(b)(2)(i)(A)","Transfer to the debt's owner","Transfer to actual owner. Official commentary says this does not generally authorize a debt collector to transfer the debt or collection right to another entity on the owner's behalf","C002"],["(b)(2)(i)(B)","Transfer to a previous owner","Only if authorized under the original contract between the debt collector and previous owner","C003"],["(b)(2)(i)(C)","Corporate transaction","Debt transferred as a result of merger, acquisition, purchase-and-assumption transaction, or transfer of substantially all the debt collector's assets","C004"],["(b)(2)(ii)","Certain secured discharged debts","Debt discharged in bankruptcy and secured by an enforceable lien and transferee notified that the consumer's personal liability was discharged","C005"],["(b)(2)(iii)","Securitization or pledge","Securitization of debt, or pledge of a debt portfolio as collateral for borrowing","C006"]]},{"headers":[],"index":1,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Clause","Operative rule","Important boundary"],["(a)(1)(A)","Do not furnish when the person knows or has reasonable cause to believe information is inaccurate","“Reasonable cause” is defined in (D) as specific knowledge beyond solely consumer allegations creating substantial doubts"],["(a)(1)(B)","Do not furnish after consumer notice to the specified address identifying specific information as inaccurate, if the information is in fact inaccurate","Notice and factual inaccuracy are both required"],["(a)(1)(C)","A person that clearly and conspicuously specifies the address for (B) notices is not subject to (A)","Narrow express displacement of (A); it is not an exemption from the entire FCRA"],["(a)(1)(D)","Defines the reasonable-cause standard for (A)","Consumer allegation alone is not conclusive"]]},{"headers":[],"index":2,"links":[],"row_links":[[],[],[],[],[],[]],"rows":[["Paragraph","Printed opinion page","Zero-based PDF page","Relevant finding"],["¶23","12","12","Reasonable expectation that the bank maintain a system capable of conveying disputed status"],["¶24","12–13","12–13","Earlier telephone correction did not automatically satisfy later monthly reporting; error-defense discussion"],["¶25","13","13","Statutory bona-fide-error defense could not be broadened by general good faith"],["¶26","13–14","13–14","Each relevant transmission required disputed-status disclosure"],["¶27","14","14","Violation found on the facts; judgment reversed and remanded"]]},{"headers":[],"index":3,"links":[],"row_links":[[],[],[]],"rows":[["Model","Intended use","Safe-harbor limit"],["B-1","Notice given before negative furnishing","Proper use supplies specified §623(a)(7) notice compliance"],["B-2","Notice given after furnishing","Proper use supplies specified §623(a)(7) notice compliance"]]},{"headers":[],"index":4,"links":[],"row_links":[[],[],[],[],[],[],[]],"rows":[["PASS-04 assertion","What can still be said","What cannot be certified here"],["C001: ch. 427 transaction and nexus coverage","Prior researcher interpreted 2025 statutory reproductions and locators","Entire official current §§421.201, .202, .301 body and exceptions"],["C002–C003: Wisconsin false-credit/disputed-status provisions","Turner independently establishes how the 1997–1998 provision was applied on those facts","That the whole current statutory and administrative text remains unchanged"],["C004: ch. 427 versus licensed-collector conduct scope","Two different actor/transaction frameworks were identified in prior research","Current official integrated DFI-Bkg 74 text"],["C005: Wisconsin actual-plus-penalty remedy","The cited older reconstruction can be analyzed conditionally","Current enacted §§427.105, 425.304, 425.307 and their interaction"],["C049: $25,000 to $50,000 Wisconsin Consumer Act threshold on January 1, 2027","Prior report identifies this as an Act 105 future-effective change","The exact current enacted Act 105 body and complete transition conditions"],["Wisconsin freeze §100.54","Earlier current reproduction identifies a state freeze scheme","Full currently operative Wisconsin text and exact federal conflict analysis"]]},{"headers":[],"index":5,"links":[],"row_links":[[],[],[]],"rows":[["Route","Statutory trigger","Ceiling"],["§1681i(a)(1)(B)","Qualified new relevant information within the initial 30-day reinvestigation period","Up to 30 + 15 = 45 days"],["§1681j(a)(3)","Qualifying reinvestigation requested after receipt of a free annual report under subsection (a)","45 days under this separate statutory provision"]]},{"headers":[],"index":6,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["PASS-04 location","Single replacement expression","Required assumption"],["§7.1 reporting age","DOFD + 180 days + 7 years","Qualifying FCRA collection/charge-off account; applicable §1681c(c) reporting-age rule and exceptions"],["Example 8","Refer to the §7.1 DOFD expression","Do not render the same formula twice"],["Example 1, original balance","$3,100 + $300 = $3,400","No other charges, payments or credits"],["Example 1, corrected balance","$3,400 − $200 = $3,200","Investigation actually establishes a $200 unauthorized component"],["Example 5, potential extension","30 + 15 = 45 calendar days","Applies to the §1681i additional-information branch; separately consider §1681j(a)(3)"],["Example 6, reduction","$4,800 − $2,100 = $2,700","The payment is completed and agreement actually forgives the difference"],["Example 6, discharged balance","$4,800 − $2,100 − $2,700 = $0","The settlement legally satisfies the entire obligation"],["Wisconsin hypothetical, doubled charge","2 × $160 = $320","Assumed finance charge, not independently verified legal fee basis"],["Wisconsin hypothetical, numerical band","min(max($320, $100), $1,000) = $320","Formula is a stipulated reconstruction pending official current Wisconsin text"]]},{"headers":[],"index":7,"links":[],"row_links":[[],[],[]],"rows":[["Document","Relevant pages","What was inspected"],["Document 52, 34-page memorandum opinion","Printed 30 and 34; zero-based PDF indexes 29 and 33","Page images, including remedy reasoning and signed vacatur"],["Document 53, two-page final judgment","Printed 1–2; zero-based indexes 0–1","Both page images, including express vacatur and remand"]]},{"headers":[],"index":8,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[]],"rows":[["Scenario","Conditional analysis","Held facts or adverse branch"],["A collector returns a fully settled account to its real owner","§1006.30(b)(2)(i)(A) permits transfer to the actual owner","A different replacement collection agency is not automatically covered by the owner exception"],["A collector sends a paid debt back to a prior owner","Requires authorization in the original collector–previous-owner contract","A new agreement or claimed business convenience is not assumed to satisfy the rule"],["A portfolio moves in a genuine corporate acquisition","May fall under §1006.30(b)(2)(i)(C)","A routine agency-to-agency placement cannot be relabeled a corporate acquisition"],["Bankruptcy discharged personal liability but an enforceable lien remains","§1006.30(b)(2)(ii) requires enforceable security and notice to transferee of the personal discharge","Without lien or proper notice, do not presume the exception"],["A furnisher conspicuously designated a dispute address","§623(a)(1)(C) removes applicability of (A) as specified; test (B), (a)(2)–(3), §623(b), and Reg V independently","Address designation does not establish the accuracy of a disputed entry"],["A qualified financial institution first sends negative data to a nationwide CRA","§623(a)(7) generally permits written notice before or within 30 days after furnishing","Not universal for all collection agencies or all CRAs; later same-account notice exception can apply"],["A consumer disputes after receiving a qualifying free annual report","§1681j(a)(3) supplies its own 45-day reinvestigation ceiling","Do not assume every weekly voluntary report activates this exception"],["Ordinary consumer requests federal credit freeze","No-charge placement/removal under §1681c-1(i)(2)–(3); (i)(4) exceptions control","Existing-account collection access can remain possible; subsection (j) addresses a different protected-consumer regime"],["Medical collection initially reported at $499 versus $500","TransUnion's published under-$500 wording covers $499 on the assumed classification","It does not establish equal-$500 exclusion or independently verify all other CRAs"]]},{"headers":[],"index":9,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Group / subissue","Old PASS-04 location or claim","Replacement P05 claim/source","Required change","Status"],["G1 — Paid/settled/discharged transfer prohibition","§4.2; C009 incorrectly used for both (a) and (b)","C001 / S001","State actual actor, knowledge, prohibited transactions and (b) scope","Resolved"],["G1 — Owner exception","§4.2 broad transfer language","C002 / S001","Actual owner, not any replacement agency","Resolved"],["G1 — Previous-owner exception","Missing contract condition","C003 / S001","Original collector–previous-owner contract must authorize","Resolved"],["G1 — Corporate transaction","Incomplete exceptions","C004 / S001","Preserve merger, acquisition, purchase-and-assumption, substantially-all-assets branches","Resolved"],["G1 — Discharged secured debt","Incomplete exceptions","C005 / S001","Enforceable lien and transferee personal-discharge notice","Resolved"],["G1 — Securitization/pledge","Incomplete exceptions","C006 / S001","Statutory carve-out, not broad debt-sale permission","Resolved"],["G1 — “Exchanges required by law”","§4.2 incorrect substitute","C007 / S001","Delete phrase; distinguish information furnishing from debt transfer","Resolved"],["G1 — Debt parking distinct","C009","C007 / S001","Retain C009 only for §1006.30(a), including specialty-CRA exception","Resolved"],["G1 — Furnisher address qualification","§5.1; C019","C008 / S002","Add (a)(1)(C) and (D); distinguish (A) and (B)","Resolved"],["G1 — Remaining duties","C019, C020–C025","C009, C027 / S002–S003","(a)(2)/(3), (b), and Reg V remain distinct","Resolved"],["G2 — Turner page mapping","S006; C039; case grid","C014 / S007","Correct printed 12–14 to zero indexes 12–14","Resolved; pages visually inspected"],["G2 — Ordinary freeze subsections","S020; C037","C015 / S008","Replace incorrect (j) reference with (i)(2)–(4)","Resolved"],["G2 — Protected-consumer distinction","S020","C016 / S008","Identify (j) as separate protected-consumer scheme","Resolved narrowly"],["G2 — Initial negative-information notice","§5.1; C019, C027 and C038 insufficient","C010–C011 / S002, S005, S034","Add actor, nationwide CRA, notice and timing predicates","Resolved"],["G2 — Optional notice model","S030, no complete atomic claim","C012 / S004","B-1 before; B-2 after; conditional safe harbor","Resolved"],["G2 — FDCPA remedies","Remedy coverage row incorrectly relies on FCRA C034","C013 / S006","Add separate §1692k claim including limitation/defenses","Resolved narrowly"],["G3 — Current Wisconsin coverage","C001–C005; S001–S005","C017 / S018, S020–S028","Downgrade official-current verification confidence","Partial / held"],["G3 — Wisconsin remedy formula","§9, Example 11; C005","C023–C024 / S025–S026","Retain scalar arithmetic; hold legal application and stacking","Arithmetic resolved; law held"],["G3 — Act 105 threshold","C049; S042","C026 / S019, S029","Treat future change as prior researcher-attributed, official body unread","Held"],["G3 — Current §1681j","S019; C036","C018 / S010–S012","Replace earlier source-access hold with successful current OLRC read","Resolved federal access"],["G3 — Additional 45-day branch","§6; Example 5; C014","C019 / S010, S031","Add §1681j(a)(3), separate from new-information extension","Resolved statutory rule; application conditional"],["G3 — Freeze edition","S020","C015–C016, C025 / S008–S009","Distinguish accessed URLs and displayed compilation versions","Resolved current OLRC access"],["G3 — TransUnion policy","S026; C032","C020 / S013","Specify initial reported balance under $500, paid debts, one-year unpaid practice","Resolved publisher wording"],["G3 — Experian and third CRA","S027; C032","C021 / S014","Attribute only publisher's own text; don't claim separate Equifax read","Partial"],["G3 — Unnamed CFPB medical FAQ","C032","C021–C022 / S014–S017","Withdraw unidentified FAQ as evidence; retain actual order and publisher sources","Resolved provenance; wider policy held"],["G4 — DOFD duplicate rendering","§7.1 and Example 8","C023 / S032","One symbolic expression, second location references it","Resolved rendering"],["G4 — Scalar examples","Examples 1, 5, 6, 11","C023–C024 / S025–S026, S031","Seven numeric checks; no legal-entitlement inference","Arithmetic resolved"],["G4 — Medical amendments description","§8; C030; S022–S024","C022 / S015–S017","“Final rule, later vacated,” not “proposed additions”","Resolved"],["G4 — Court PDFs and access","S023–S024","C022, C025 / S016–S017","Record actual page images and CourtListener mirror status","Resolved as described"],["G4 — Source versions","S010, S018–S020 and related text","C025 / S002, S006, S008–S010, S033","Don't merge October 7/15 compilations or old Wisconsin reads","Resolved provenance; state held"],["G4 — Forms and independent review","S028–S034; final self-check","C028 / S030","Preserve earlier dated reads, no opened-letter or independent-review claim","Procedural boundary retained"]]},{"headers":[],"index":10,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Source ID","Issuer, title and full literal direct URL","Exact location, version/effective status","Actual access and limitation"],["S_WI-P05-S001","CFPB, Regulation F §1006.30, Other prohibited practices. https://www.consumerfinance.gov/rules-policy/regulations/1006/30/","(a)(1)–(2), official comments 30(a)(1)-1–3; (b)(1), comment 30(b)(1)-1–2; (b)(2)(i)(A)–(C), (ii), (iii), comment 30(b)(2)(i)(A)-1. Current regulation","Fresh full relevant operative text and commentary read"],["S002","U.S. House OLRC, 15 U.S.C. §1681s-2, Responsibilities of furnishers. https://uscode.house.gov/us/usc/119-120/t15/s1681s-2/","(a)(1)(A)–(D), (a)(2), (a)(3), (a)(7)(A)–(G), (a)(8), (b), (c), (d). Text through Public Law 119-120, October 7, 2026","Fresh official body read. Not represented as October 15 compilation"],["S003","CFPB, Regulation V §1022.43, Direct disputes. https://www.consumerfinance.gov/rules-policy/regulations/1022/43/","(a)–(f), especially (b), (c), (d), (e). Current regulation","Fresh relevant operative text read; no new independent full direct-dispute dossier"],["S004","CFPB, Regulation V Appendix B, Model Notices of Furnishing Negative Information. https://www.consumerfinance.gov/rules-policy/regulations/1022/b/","Appendix B introductory paragraphs (a)–(d); Model B-1 and Model B-2. Current","Fresh model and safe-harbor text read"],["S005","U.S. House OLRC, 15 U.S.C. §6809, Definitions. https://uscode.house.gov/us/usc/119-124/t15/s6809/","§6809 definitions referenced by §1681s-2(a)(7), including “financial institution” and “customer.” Through Pub. L. 119-124, Oct. 15, 2026","Fresh official relevant definitions read; no broader GLBA review"],["S006","U.S. House OLRC, 15 U.S.C. §1692k, Civil liability. https://uscode.house.gov/us/usc/119-124/t15/s1692k/","(a)(1)–(3), (b)(1)–(2), (c), (d), (e); through Pub. L. 119-124","Fresh complete operative section read"],["S007","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. Printed pp.12–14; zero PDF indexes 12–14. Published historical opinion, applying 1997–1998 statute","Fresh official PDF text and page images 12–14 inspected. No full citator"],["S008","U.S. House OLRC, 15 U.S.C. §1681c-1, Identity theft prevention; fraud alerts and active duty alerts. https://uscode.house.gov/us/usc/119-124/t15/s1681c-1/","(i)(2), (i)(3), (i)(4), (j)(1). Through Pub. L. 119-124, Oct. 15, 2026","Fresh current official section read. Protected-consumer law not investigated beyond distinction"],["S009","U.S. House OLRC, alternative historical-locator request. https://uscode.house.gov/us/usc/119-118/t15/s1681c-1/","Requested path contains /119-118/; returned page displayed text through Pub. L. 119-120, Oct. 7, 2026","Freshly opened but not represented as a validated 119-118 edition. S008 controls current source claim"],["S010","U.S. House OLRC, 15 U.S.C. §1681j, Charges for certain disclosures. https://uscode.house.gov/us/usc/119-124/t15/s1681j/","(a)(1)(A)–(C), (a)(2), (a)(3), (a)(4), (b); through Pub. L. 119-124","Fresh current official body read successfully, correcting prior access hold"],["S011","U.S. House OLRC, 15 U.S.C. §1681g, Disclosures to consumers. https://uscode.house.gov/us/usc/119-124/t15/s1681g/","(a) file information/source rights; relevant cross-reference to §1681j. Through Pub. L. 119-124","Fresh limited relevant section read"],["S012","Federal Trade Commission, Free Credit Reports. https://consumer.ftc.gov/articles/free-credit-reports","“How often can I get a free report?”; nationwide CRAs' free weekly practice and statutory annual right","Fresh official guidance read. Voluntary practice not an enacted frequency amendment"],["S013","TransUnion, How Long Do Collections Stay on Your Credit Report? https://www.transunion.com/blog/credit-advice/how-long-do-collections-stay-on-your-credit-report","Updated May 19, 2026; “Medical debt collections on your credit report”","Fresh publisher body read. Applies to described policy; not law/all CRA certification"],["S014","Experian, How Do I Get a Paid Collection Off My Credit Report? https://www.experian.com/blogs/ask-experian/how-do-i-get-a-paid-collection-off-my-credit-report/","Dated Oct. 22, 2026; sections on paid collections and medical collections","Fresh publisher body read. No independent Equifax read"],["S015","CFPB, Credit reporting requirements (FCRA). https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/fair-credit-reporting-act/","Page updated June 1, 2026; current notice concerning Cornerstone, vacatur, reference-only medical rule materials","Fresh official page read. Website update date is not legal effective date"],["S016","U.S. District Court, E.D. Texas, Cornerstone Credit Union League v. CFPB, Document 52, Memorandum Opinion and Order. https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.52.0_1.pdf","Filed July 11, 2025; 34 pages. Printed pp.30, 34; zero PDF indexes 29, 33; remedy and signed vacatur","Fresh original court-document text and selected page images read via CourtListener mirror, not judiciary host"],["S017","Same case, Document 53, Final Judgment. https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.53.0.pdf","July 11, 2025; printed pp.1–2; zero PDF indexes 0–1; final vacatur/remand","Fresh both page images and body read via court-document mirror"]]},{"headers":[],"index":11,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Source ID","Issuer, document and literal URL","Pinpoint / version required","Actual access/status"],["S018","Wisconsin Legislature, different versioned §427.104 route. https://docs.legis.wisconsin.gov/2025/statutes/statutes/427/104","Official enacted §427.104, especially (1)(c), (e), (f), relevant exceptions","Fresh attempted; inaccessible. Not an empty statute"],["S019","Wisconsin Legislature, different versioned 2025 Act 105 route. https://docs.legis.wisconsin.gov/2025/acts/105","Enacted Act 105 text and effective-date provisions","Fresh attempted; inaccessible. Future-threshold text held"],["S020","Wisconsin Legislature, Wis. Stat. §421.201. https://docs.legis.wisconsin.gov/statutes/statutes/421/ii/201 Access copy: https://law.justia.com/codes/wisconsin/chapter-421/section-421-201/","Territorial applicability and exceptions; 2025 reproduced statute","PASS-04 dated reproduction/official-locator evidence only; no successful fresh P05 official body read"],["S021","Wisconsin Legislature, Wis. Stat. §421.202. https://docs.legis.wisconsin.gov/statutes/statutes/421/ii/202 Access copy: https://law.justia.com/codes/wisconsin/chapter-421/section-421-202/","Exclusions and amount threshold; 2025 reproduction","Prior reproduced text only, current official body held"],["S022","Wisconsin Legislature, Wis. Stat. §421.301. https://docs.legis.wisconsin.gov/statutes/statutes/421/iii/301 Access copy: https://law.justia.com/codes/wisconsin/chapter-421/section-421-301/","Consumer/merchant/transaction definitions","Prior reproduced text only, current official body held"],["S023","Wisconsin Legislature, Wis. Stat. §427.104. https://docs.legis.wisconsin.gov/statutes/statutes/427/104 Access copy: https://law.justia.com/codes/wisconsin/chapter-427/section-427-104/","(1)(c), (e), (f); historical Turner application separately in S007","Prior reproduction; official integrated body inaccessible"],["S024","Wisconsin Legislature, Wis. Stat. §427.105. https://docs.legis.wisconsin.gov/statutes/statutes/427/105 Access copy: https://law.justia.com/codes/wisconsin/chapter-427/section-427-105/","Actual damages and statutory remedy interactions","Prior reproduction; no new verified official current body"],["S025","Wisconsin Legislature, Wis. Stat. §425.304. https://docs.legis.wisconsin.gov/statutes/statutes/425/304 Access copy: https://law.justia.com/codes/wisconsin/chapter-425/section-425-304/","Consumer statutory penalty, limitations and defenses relevant to original reconstruction","Prior reproduction only. Formula's legal application held"],["S026","Wisconsin Legislature, Wis. Stat. §425.307. https://docs.legis.wisconsin.gov/statutes/statutes/425/307 Access copy: https://law.justia.com/codes/wisconsin/chapter-425/section-425-307/","WCA enforcement limitation provisions","Prior reproduction only; no fresh comprehensive remedy read"],["S027","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/","State credit-freeze statute and potential fee conflict","Prior reproduction only; federal S008 newly controls current federal proposition"],["S028","Wisconsin Legislature, Wis. Admin. Code ch. DFI-Bkg 74. https://docs.legis.wisconsin.gov/code/admin_code/dfi/dfi_bkg/74 Section reproduction: https://www.law.cornell.edu/regulations/wisconsin/Wis-Admin-Code-SS-DFI-Bkg-74-16","§74.16(3),(6),(7) and current rule history","Prior reproduced rule body only; official integrated chapter not recovered"],["S029","Wisconsin Legislature, 2025 Wisconsin Act 105. https://docs.legis.wisconsin.gov/document/acts/2025/105%2C1 https://docs.legis.wisconsin.gov/document/acts/2025/105%2C2","Claimed §421.202 amount and Jan. 1, 2027 effective provision","Earlier coordinator/PASS-04 locators inaccessible; no new current official body verification"],["S030","Wisconsin DFI, BCA500 consumer complaint form. https://dfi.wi.gov/Documents/ConsumerServices/WisconsinConsumerAct/Forms/BCA500.pdf","Revised January 2023; printed pp.1–2, zero indexes 0–1","PASS-04 dated read only, not freshly reopened; no form submitted"]]},{"headers":[],"index":12,"links":[],"row_links":[[],[],[],[],[]],"rows":[["Source ID","Issuer, title and literal URL","Pinpoint/version","Actual status"],["S031","U.S. House OLRC, 15 U.S.C. §1681i. https://uscode.house.gov/us/usc/119-124/t15/s1681i/","(a)(1)(A)–(C); statutory 30-day and conditional 15-day extension; Pub. L. 119-124","Fresh official body read"],["S032","U.S. House OLRC, 15 U.S.C. §1681c. https://uscode.house.gov/us/usc/119-124/t15/s1681c/","(a)(4), (b), (c)(1); collection/charge-off age and exclusions; Pub. L. 119-124","Fresh official relevant body read"],["S033","U.S. House OLRC, later-edition attempted §1681s-2. https://uscode.house.gov/us/usc/119-124/t15/s1681s-2/","Requested October 15, 2026 edition","Fresh attempted; inaccessible. S002 is the actual successful October 7 section"],["S034","U.S. House OLRC, 15 U.S.C. §1681a. https://uscode.house.gov/us/usc/119-124/t15/s1681a/","(c), (f), (p), (x); consumer, CRA and nationwide/specialty classifications","Fresh relevant official definitions read, through Pub. L. 119-124"]]},{"headers":[],"index":13,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Claim ID","Precise assertion","Source and pinpoint","Conditions, exceptions, consequence, old crosswalk, confidence"],["S_WI-P05-C001","A covered collector may not sell, transfer for consideration, or place for collection a debt known or reasonably known paid, settled, or bankruptcy-discharged absent an exception.","S001 §1006.30(b)(1)","Federal collector and actual knowledge standard; replaces P04 §4.2. High"],["C002","Transfer to actual debt owner is excepted, not automatically transfer to another collector on owner's behalf.","S001 (b)(2)(i)(A), official comment","Actual owner required; replaces incomplete P04 wording. High"],["C003","Previous-owner transfer requires authorization in original collector–previous-owner contract.","S001 (b)(2)(i)(B)","Specific parties/contract. High"],["C004","Merger, acquisition, purchase-and-assumption, or substantially-all-assets transfer is excepted.","S001 (b)(2)(i)(C)","Genuine listed corporate event. High"],["C005","Bankruptcy-discharged secured debt can fall within exception only with enforceable lien and transferee discharge notice.","S001 (b)(2)(ii)","Both predicates mandatory. High"],["C006","Securitization and debt-portfolio pledge for borrowing are not barred by (b)(1).","S001 (b)(2)(iii)","Narrow transactions, not any sale. High"],["C007","§1006.30(a) debt parking differs from (b) debt transfers; mere data transmission to analytics or reporting is not necessarily a paid-debt transfer.","S001 (a)(1)–(2), (b)(1) commentary","P04 C009 remains (a)-only; remove exchanges-required-by-law wording. High"],["C008","§623(a)(1)(C) exempts a conspicuously address-designating furnisher from (A), while (B) separately requires designated-address notice and actual inaccuracy.","S002 (a)(1)(A)–(D)","Not whole-FCRA exemption; revises P04 C019. High"],["C009","Furnisher correction/update, disputed-status, CRA-referral and Reg V duties remain independently applicable as their predicates require.","S002 (a)(2), (a)(3), (b); S003","Direct consumer notice not §623(b) CRA notice. P04 C019 supplemented. High"],["C010","§623(a)(7) requires qualified financial institution to notify customer before or within 30 days after first covered negative furnishing to nationwide CRA.","S002 (a)(7)(A), (B), (G); S005; S034","Actor, regular furnishing, credit/customer, negative-information predicates; new coverage. High"],["C011","Notice can cover later same-transaction/account/customer furnishing; upfront notice cannot be in initial §1637(a) disclosures; clear/conspicuous and statutory safe-harbor rules apply.","S002 (a)(7)(A)(ii), (B)(ii), (C)–(F)","Conditional, not blanket exemption. New atomic coverage. High"],["C012","Reg V Appendix B models B-1 and B-2 are optional qualified notice-safe-harbor forms.","S004 introductory (a)–(d), B-1/B-2","Not universal dispute form or other duty safe harbor. High"],["C013","FDCPA §1692k gives conditional actual/additional damages, class limits, fees, defenses and one-year limit.","S006 (a)–(e)","Covered collector/action/injury; up to $1,000 per individual action; replaces P04 FDCPA row's incorrect FCRA C034 citation. High"],["C014","Turner ¶23 is printed/zero p.12; ¶25 p.13; ¶26–27 pp.13–14, zero 13–14. Historical Wisconsin holding limited to facts/version.","S007 ¶¶23–27","Fixes P04 S006 and C039; preemption separately unresolved. High for pinpoint"],["C015","Current ordinary national freeze rules are §1681c-1(i)(2)–(4), including free placement/removal and enumerated exceptions.","S008 (i)(2)–(4); S009 comparison","Replaces P04 S020/C037 inaccurate (j) reference. High"],["C016","§1681c-1(j) governs protected-consumer files/records and freezes, not ordinary freeze exceptions.","S008 (j)(1) onward","Separate juvenile/protected-adult module outside scope. High"],["C017","Current official Wisconsin §§421, 425, 427, §100.54 and DFI-Bkg 74 were not verified as complete enacted bodies in P05.","S018–S029 access record","Downgrade P04 C001–C005 and associated accepted-status implication; not a finding that laws absent. High provenance"],["C018","§1681j(a) establishes qualified annual free-file access and associated statutory timing, separate from voluntary nationwide weekly policy.","S010 (a)(1)–(2); S011; S012","Current section successfully read. Corrects P04 C036 source-access hold. High"],["C019","§1681j(a)(3) separately permits 45 days for specified reinvestigation after free annual report under subsection (a).","S010 (a)(3); S031 §1681i(a)(1)","Different from 30+15 new-information route; weekly-report classification held. High statutory text"],["C020","TransUnion says paid medical collections and qualifying initial reported balances under $500 are excluded, with one-year unpaid waiting practice.","S013, medical section","Publisher scope only, not statute or equality $500. Corrects P04 C032. High for text"],["C021","Experian discusses qualifying under-$500 medical collections; separate Equifax/full-three-CRA implementation not independently read.","S014, paid and medical sections","Publisher text only; unidentified CFPB FAQ removed from evidentiary support. Medium-high publisher text"],["C022","January 2025 medical amendments were final, then expressly vacated in July 2025; CFPB acknowledges vacatur.","S015; S016 printed pp.30,34 / zero 29,33; S017 pp.1–2 / zero 0–1","Corrects “proposed additions”; no comprehensive appellate citator. High observed status"],["C023","Seven specified scalar calculations are arithmetically correct; DOFD formula rendered once, not duplicated.","S031/S032 for federal time expressions; stipulated numerical inputs","No actual-date, fee, award, score or reporting entitlement. Arithmetic high"],["C024","Wisconsin $320 example is conditional numerical computation only, not current-law penalty, stacking or recovery validation.","P04 dated S025/S026; unsuccessful current access S018–S029","Legal conclusion held; arithmetic high"],["C025","Actual access, version and PDF observations must be attributed separately, without pretending historical coordinator views were fresh source reads.","S002, S006–S010, S015–S019, S033","Process/provenance claim; documented"],["C026","Act 105 future $25k-to-$50k threshold remains prior-research attributed until the exact official act body/effective clause is read.","S019, S021, S029","Not accepted current legislative verification. Held"],["C027","Regulation V direct dispute address/content/exclusion predicates are distinct from §623(a)(1)(B)'s specified-address and actual-inaccuracy requirements.","S003 §1022.43(b)–(f); S002 (a)(1)(B)–(C)","A single ordinary letter does not establish all investigation routes. High"],["C028","No PASS-01–PASS-04, Wisconsin state, parent registry or A066 conclusion is accepted by this bounded correction.","Research authorization and register status","Procedural scope statement, not a legal-authority claim"]]},{"headers":[],"index":14,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Group / exact subissue","Coverage","P05 claims","P05 sources","Remaining exact evidence / action"],["G1 — (b)(1) prohibited actor/action/knowledge","Answered","C001","S001","Apply covered-collector facts only in later case"],["G1 — Owner exception","Answered","C002","S001","Actual ownership proof if later needed"],["G1 — Previous-owner original-contract authority","Answered","C003","S001","Original transfer contract not supplied"],["G1 — Corporate transaction exceptions","Answered","C004","S001","Real merger/acquisition facts not supplied"],["G1 — Secured bankruptcy exception","Answered","C005","S001","Enforceable lien and transferee notice require facts"],["G1 — Securitization/pledge","Answered","C006","S001","Actual legal structure not supplied"],["G1 — Information versus debt transfer","Answered","C007","S001","Do not generalize to every data transaction"],["G1 — Debt parking distinct from transfer","Answered","C007","S001","Preserve P04 C009 only within paragraph (a)"],["G1 — Specialty check-writing CRA carve-out","Answered","C007","S001","CRA classification if particular event arises"],["G1 — §623(a)(1)(A)–(D), especially (C)","Answered","C008","S002","Actual specified-address disclosure needed"],["G1 — Continued (a)(2)/(3), §623(b) duties","Answered","C009","S002–S003","Event-specific investigation and CRA referral facts"],["G1 — Reg V address, content, exclusions","Answered at correction boundary","C027","S003","Full direct-dispute prior P04 work remains unreviewed"],["G2 — Turner PDF mapping","Answered","C014","S007","No full subsequent-history certification"],["G2 — Historical merits versus preemption","Partial","C014, C017","S007, S023","Current Wisconsin text, later federal preemption and full citator"],["G2 — Freeze free placement/removal","Answered federal","C015","S008","Actual consumer request not investigated"],["G2 — Ordinary freeze exception location","Answered","C015","S008","§1681c-1(i)(4), not (j)"],["G2 — Protected-consumer (j) distinction","Answered narrowly","C016","S008","Full protected-consumer module excluded"],["G2 — §623(a)(7) actor and CRA scope","Answered","C010","S002, S005, S034","Institution/customer status in actual scenario"],["G2 — First notice and later reporting","Answered","C010–C011","S002","Exact initial furnishing and notice records"],["G2 — §1637(a) initial-disclosure limit","Answered","C011","S002","Actual notice/document if later supplied"],["G2 — §623(a)(7) compliance safe harbor","Answered","C011–C012","S002, S004","Actual policies/models, compliance facts"],["G2 — Models B-1/B-2","Answered","C012","S004","No form used or submitted"],["G2 — FDCPA §1692k","Answered at bounded correction","C013","S006","Liability, defenses, concrete injury and any individual relief outside"],["G2 — FDCPA source/claim crosswalk","Answered","C013","S006","Remove reliance on FCRA-only C034 for this row"],["G3 — Current Wisconsin statutory definitions","Unresolved official verification","C017","S020–S023","Obtain actual current official §§421.201/.202/.301, 427.104 text"],["G3 — Current Wisconsin administrative rule","Unresolved","C017","S028","Complete current official ch. DFI-Bkg 74 and effective history"],["G3 — Current Wisconsin remedies","Unresolved","C024","S024–S026","Full official §§427.105, 425.304/.307 and exceptions"],["G3 — Wisconsin §100.54","Unresolved state-law text","C017","S027","Official current §100.54 plus precise conflict analysis"],["G3 — Act 105 future-effective threshold","Unresolved official enactment","C026","S019, S029","Read enacted §§1–2 and precise effective date"],["G3 — Alternative official retrieval","Attempted/failed","C017, C026","S018–S019","No unchanged retry loop; alternative authoritative publication needed"],["G3 — §1681j primary access","Answered, newly recovered","C018","S010–S011","None for the precise provision read"],["G3 — Annual statutory versus weekly policy","Answered","C018","S010–S012","Future policy changes remain possible"],["G3 — Ordinary 30+15 days","Answered","C019, C023","S031","Actual relevant-information receipt conditions required"],["G3 — §1681j(a)(3) separate 45-day branch","Answered statutory rule","C019","S010","Classify actual report as one under subsection (a)"],["G3 — Freeze compilation version","Answered for current 119-124","C015, C025","S008–S009","No claim that alternative URL validated the older edition named in path"],["G3 — TransUnion under-$500 policy","Answered publisher wording","C020","S013","Actual initial reported balance; future version"],["G3 — TransUnion paid and one-year rules","Answered publisher wording","C020","S013","Classification and account timing not supplied"],["G3 — Experian policy","Partial publisher verification","C021","S014","Specific product, amount and policy application held"],["G3 — Independently verified Equifax policy","Unresolved","C021","S013–S014","Directly read current Equifax issuer text if separately authorized"],["G3 — Unnamed CFPB medical FAQ","Not independently evidenced","C021","S015","Remove old source attribution until exact FAQ body located"],["G3 — Medical/charity/veteran/contract facts","Excluded","C020–C022","S013–S017","Separate Wisconsin medical and account-level investigation"],["G4 — DOFD formula once","Answered rendering","C023","S032","Application needs actual DOFD and exclusion facts"],["G4 — Seven numerical checks","Answered arithmetic","C023–C024","S031–S032; stipulated inputs","No legal-enforceability validation"],["G4 — Wisconsin $320 formula/legal effect","Arithmetic answered; law held","C024","S025–S026","Actual official formula, eligibility, stacking, preemption and injury"],["G4 — Medical final-versus-proposed status","Answered","C022","S015–S017","No later full appeal/citator certification"],["G4 — Court order page inspection","Answered for selected pages","C022, C025","S016–S017","No claim every PDF page/image was separately inspected"],["G4 — CourtListener host characterization","Answered","C025","S016–S017","Mirror of original court-document, not court-operated host"],["G4 — OLRC edition distinction","Answered observation","C025","S002, S006, S008–S010, S033","Later §1681s-2 edition attempted but inaccessible"],["G4 — Forms/letters provenance","Bounded dated reuse","C025, C028","S030","Linked sample letters not freshly opened; no submissions"],["G4 — Unaffected P04 sources/claims","Retained, not re-reviewed","C028","P04 preserved record","Coordinator review separately required"],["G4 — Independent all-source/citator certification","Excluded","C025, C028","Access record","No complete citator or source certification"],["G4 — Publication/operations/parent approval","Excluded","C028","Research scope","No Wisconsin, component, parent, or A066 acceptance"]]},{"headers":[],"index":15,"links":[],"row_links":[[],[],[],[],[],[],[],[],[],[],[],[],[],[],[],[]],"rows":[["Audit item","Result"],["Authorized correction groups","4 of 4 addressed"],["New source register","34 unique IDs, S_WI-P05-S001–S034"],["New atomic claim register","28 unique IDs, S_WI-P05-C001–C028"],["Group-resolution entries","32"],["Granular coverage entries","50"],["Original PASS-04 reproduced in full","No; unaffected original preserved"],["Current federal §1006.30(b) actual text","Read"],["§1681s-2(a)(1)(C) and (a)(7)","Read"],["Current §1681j(a)(1)–(3)","Read"],["Current §1681c-1(i)/(j)","Read"],["Turner exact pages","Read and visually inspected"],["Medical rule/order status","Current CFPB page and selected court document images read"],["Current official Wisconsin enactment bodies","Not successfully recovered; held"],["Full citator, named entity or real account","Not performed"],["Private data, contacts, complaints, forms or publications","None"]]}],"claims":[{"claim_id":"S_WI-P05-C001","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"S_WI-P05-C001","Precise assertion":"A covered collector may not sell, transfer for consideration, or place for collection a debt known or reasonably known paid, settled, or bankruptcy-discharged absent an exception.","Source and pinpoint":"S001 §1006.30(b)(1)","Conditions, exceptions, consequence, old crosswalk, confidence":"Federal collector and actual knowledge standard; replaces P04 §4.2. High"},"coordinator_verification_status":"targeted_wording_corrected_by_P06","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S001"],"coordinator_review":"Assertion/body has knows-or-should-know substance, but conditions cell says actual knowledge standard, omitting constructiveknowledge. Replace cell exactly; preserve supported body.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00","coordinator_correction_claim":"S_WI-P06-C001","coordinator_correction_review":"[internal evidence reference]"},{"claim_id":"S_WI-P05-C002","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C002","Precise assertion":"Transfer to actual debt owner is excepted, not automatically transfer to another collector on owner's behalf.","Source and pinpoint":"S001 (b)(2)(i)(A), official comment","Conditions, exceptions, consequence, old crosswalk, confidence":"Actual owner required; replaces incomplete P04 wording. High"},"coordinator_verification_status":"selected_support_with_explicit_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S001"],"coordinator_review":"Supported within actual source-check scopes and stated predicates; not a real-account result/all-source/citator/parent acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"},{"claim_id":"S_WI-P05-C003","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C003","Precise assertion":"Previous-owner transfer requires authorization in original collector–previous-owner contract.","Source and pinpoint":"S001 (b)(2)(i)(B)","Conditions, exceptions, consequence, old crosswalk, confidence":"Specific parties/contract. High"},"coordinator_verification_status":"selected_support_with_explicit_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S001"],"coordinator_review":"Supported within actual source-check scopes and stated predicates; not a real-account result/all-source/citator/parent acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"},{"claim_id":"S_WI-P05-C004","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C004","Precise assertion":"Merger, acquisition, purchase-and-assumption, or substantially-all-assets transfer is excepted.","Source and pinpoint":"S001 (b)(2)(i)(C)","Conditions, exceptions, consequence, old crosswalk, confidence":"Genuine listed corporate event. High"},"coordinator_verification_status":"selected_support_with_explicit_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S001"],"coordinator_review":"Supported within actual source-check scopes and stated predicates; not a real-account result/all-source/citator/parent acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"},{"claim_id":"S_WI-P05-C005","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C005","Precise assertion":"Bankruptcy-discharged secured debt can fall within exception only with enforceable lien and transferee discharge notice.","Source and pinpoint":"S001 (b)(2)(ii)","Conditions, exceptions, consequence, old crosswalk, confidence":"Both predicates mandatory. High"},"coordinator_verification_status":"selected_support_with_explicit_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S001"],"coordinator_review":"Supported within actual source-check scopes and stated predicates; not a real-account result/all-source/citator/parent acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"},{"claim_id":"S_WI-P05-C006","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C006","Precise assertion":"Securitization and debt-portfolio pledge for borrowing are not barred by (b)(1).","Source and pinpoint":"S001 (b)(2)(iii)","Conditions, exceptions, consequence, old crosswalk, confidence":"Narrow transactions, not any sale. High"},"coordinator_verification_status":"selected_support_with_explicit_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S001"],"coordinator_review":"Supported within actual source-check scopes and stated predicates; not a real-account result/all-source/citator/parent acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"},{"claim_id":"S_WI-P05-C007","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C007","Precise assertion":"§1006.30(a) debt parking differs from (b) debt transfers; mere data transmission to analytics or reporting is not necessarily a paid-debt transfer.","Source and pinpoint":"S001 (a)(1)–(2), (b)(1) commentary","Conditions, exceptions, consequence, old crosswalk, confidence":"P04 C009 remains (a)-only; remove exchanges-required-by-law wording. High"},"coordinator_verification_status":"selected_support_with_explicit_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S001"],"coordinator_review":"Supported within actual source-check scopes and stated predicates; not a real-account result/all-source/citator/parent acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"},{"claim_id":"S_WI-P05-C008","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C008","Precise assertion":"§623(a)(1)(C) exempts a conspicuously address-designating furnisher from (A), while (B) separately requires designated-address notice and actual inaccuracy.","Source and pinpoint":"S002 (a)(1)(A)–(D)","Conditions, exceptions, consequence, old crosswalk, confidence":"Not whole-FCRA exemption; revises P04 C019. High"},"coordinator_verification_status":"selected_support_with_explicit_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S002"],"coordinator_review":"Supported within actual source-check scopes and stated predicates; not a real-account result/all-source/citator/parent acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"},{"claim_id":"S_WI-P05-C009","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C009","Precise assertion":"Furnisher correction/update, disputed-status, CRA-referral and Reg V duties remain independently applicable as their predicates require.","Source and pinpoint":"S002 (a)(2), (a)(3), (b); S003","Conditions, exceptions, consequence, old crosswalk, confidence":"Direct consumer notice not §623(b) CRA notice. P04 C019 supplemented. High"},"coordinator_verification_status":"selected_support_with_explicit_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S002","S_WI-P05-S003"],"coordinator_review":"Supported within actual source-check scopes and stated predicates; not a real-account result/all-source/citator/parent acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"},{"claim_id":"S_WI-P05-C010","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C010","Precise assertion":"§623(a)(7) requires qualified financial institution to notify customer before or within 30 days after first covered negative furnishing to nationwide CRA.","Source and pinpoint":"S002 (a)(7)(A), (B), (G); S005; S034","Conditions, exceptions, consequence, old crosswalk, confidence":"Actor, regular furnishing, credit/customer, negative-information predicates; new coverage. High"},"coordinator_verification_status":"selected_support_with_explicit_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S002","S_WI-P05-S005","S_WI-P05-S034"],"coordinator_review":"Supported within actual source-check scopes and stated predicates; not a real-account result/all-source/citator/parent acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"},{"claim_id":"S_WI-P05-C011","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C011","Precise assertion":"Notice can cover later same-transaction/account/customer furnishing; upfront notice cannot be in initial §1637(a) disclosures; clear/conspicuous and statutory safe-harbor rules apply.","Source and pinpoint":"S002 (a)(7)(A)(ii), (B)(ii), (C)–(F)","Conditions, exceptions, consequence, old crosswalk, confidence":"Conditional, not blanket exemption. New atomic coverage. High"},"coordinator_verification_status":"selected_support_with_explicit_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S002"],"coordinator_review":"Supported within actual source-check scopes and stated predicates; not a real-account result/all-source/citator/parent acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"},{"claim_id":"S_WI-P05-C012","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C012","Precise assertion":"Reg V Appendix B models B-1 and B-2 are optional qualified notice-safe-harbor forms.","Source and pinpoint":"S004 introductory (a)–(d), B-1/B-2","Conditions, exceptions, consequence, old crosswalk, confidence":"Not universal dispute form or other duty safe harbor. High"},"coordinator_verification_status":"selected_support_with_explicit_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S004"],"coordinator_review":"Supported within actual source-check scopes and stated predicates; not a real-account result/all-source/citator/parent acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"},{"claim_id":"S_WI-P05-C013","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C013","Precise assertion":"FDCPA §1692k gives conditional actual/additional damages, class limits, fees, defenses and one-year limit.","Source and pinpoint":"S006 (a)–(e)","Conditions, exceptions, consequence, old crosswalk, confidence":"Covered collector/action/injury; up to $1,000 per individual action; replaces P04 FDCPA row's incorrect FCRA C034 citation. High"},"coordinator_verification_status":"selected_support_with_explicit_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S006"],"coordinator_review":"Supported within actual source-check scopes and stated predicates; not a real-account result/all-source/citator/parent acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"},{"claim_id":"S_WI-P05-C014","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C014","Precise assertion":"Turner ¶23 is printed/zero p.12; ¶25 p.13; ¶26–27 pp.13–14, zero 13–14. Historical Wisconsin holding limited to facts/version.","Source and pinpoint":"S007 ¶¶23–27","Conditions, exceptions, consequence, old crosswalk, confidence":"Fixes P04 S006 and C039; preemption separately unresolved. High for pinpoint"},"coordinator_verification_status":"selected_support_with_explicit_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S007"],"coordinator_review":"FreshofficialPDFtext/pagelabels support corrected12-14mapping; no newcoordinatorpixels or fullsubsequenthistory.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"},{"claim_id":"S_WI-P05-C015","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C015","Precise assertion":"Current ordinary national freeze rules are §1681c-1(i)(2)–(4), including free placement/removal and enumerated exceptions.","Source and pinpoint":"S008 (i)(2)–(4); S009 comparison","Conditions, exceptions, consequence, old crosswalk, confidence":"Replaces P04 S020/C037 inaccurate (j) reference. High"},"coordinator_verification_status":"selected_support_current_compilation_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S008","S_WI-P05-S009"],"coordinator_review":"Legalbranch supported by freshlyreadalternativeOLRCOct7body; exactOct15locator failedforcoordinator. Researcherclaimedaccessnoterased, no coordinatorverificationupgrade. Annuala4first12monthexception/weeklyclassification remainconditions.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"},{"claim_id":"S_WI-P05-C016","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C016","Precise assertion":"§1681c-1(j) governs protected-consumer files/records and freezes, not ordinary freeze exceptions.","Source and pinpoint":"S008 (j)(1) onward","Conditions, exceptions, consequence, old crosswalk, confidence":"Separate juvenile/protected-adult module outside scope. High"},"coordinator_verification_status":"selected_support_current_compilation_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S008"],"coordinator_review":"Legalbranch supported by freshlyreadalternativeOLRCOct7body; exactOct15locator failedforcoordinator. Researcherclaimedaccessnoterased, no coordinatorverificationupgrade. Annuala4first12monthexception/weeklyclassification remainconditions.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"},{"claim_id":"S_WI-P05-C017","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C017","Precise assertion":"Current official Wisconsin §§421, 425, 427, §100.54 and DFI-Bkg 74 were not verified as complete enacted bodies in P05.","Source and pinpoint":"S018–S029 access record","Conditions, exceptions, consequence, old crosswalk, confidence":"Downgrade P04 C001–C005 and associated accepted-status implication; not a finding that laws absent. High provenance"},"coordinator_verification_status":"held_for_current_Wisconsin_primary_verification","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S018","S_WI-P05-S019","S_WI-P05-S020","S_WI-P05-S021","S_WI-P05-S022","S_WI-P05-S023","S_WI-P05-S024","S_WI-P05-S025","S_WI-P05-S026","S_WI-P05-S027","S_WI-P05-S028","S_WI-P05-S029"],"coordinator_review":"Honeststateevidencehold supported; no operativeWIbody/Act105/remedyformula,stacking,preemption,injury/awardvalidation. Arithmeticseparate.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"},{"claim_id":"S_WI-P05-C018","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C018","Precise assertion":"§1681j(a) establishes qualified annual free-file access and associated statutory timing, separate from voluntary nationwide weekly policy.","Source and pinpoint":"S010 (a)(1)–(2); S011; S012","Conditions, exceptions, consequence, old crosswalk, confidence":"Current section successfully read. Corrects P04 C036 source-access hold. High"},"coordinator_verification_status":"selected_support_current_compilation_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S010","S_WI-P05-S011","S_WI-P05-S012"],"coordinator_review":"Legalbranch supported by freshlyreadalternativeOLRCOct7body; exactOct15locator failedforcoordinator. Researcherclaimedaccessnoterased, no coordinatorverificationupgrade. Annuala4first12monthexception/weeklyclassification remainconditions.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"},{"claim_id":"S_WI-P05-C019","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C019","Precise assertion":"§1681j(a)(3) separately permits 45 days for specified reinvestigation after free annual report under subsection (a).","Source and pinpoint":"S010 (a)(3); S031 §1681i(a)(1)","Conditions, exceptions, consequence, old crosswalk, confidence":"Different from 30+15 new-information route; weekly-report classification held. High statutory text"},"coordinator_verification_status":"selected_support_current_compilation_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S010","S_WI-P05-S031"],"coordinator_review":"Legalbranch supported by freshlyreadalternativeOLRCOct7body; exactOct15locator failedforcoordinator. Researcherclaimedaccessnoterased, no coordinatorverificationupgrade. Annuala4first12monthexception/weeklyclassification remainconditions.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"},{"claim_id":"S_WI-P05-C020","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C020","Precise assertion":"TransUnion says paid medical collections and qualifying initial reported balances under $500 are excluded, with one-year unpaid waiting practice.","Source and pinpoint":"S013, medical section","Conditions, exceptions, consequence, old crosswalk, confidence":"Publisher scope only, not statute or equality $500. Corrects P04 C032. High for text"},"coordinator_verification_status":"selected_support_with_explicit_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S013"],"coordinator_review":"BoundeddatedWI4same-coordinatorpublishertextreuse; no allCRA/product/currentimplementation or equality500 claim.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"},{"claim_id":"S_WI-P05-C021","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C021","Precise assertion":"Experian discusses qualifying under-$500 medical collections; separate Equifax/full-three-CRA implementation not independently read.","Source and pinpoint":"S014, paid and medical sections","Conditions, exceptions, consequence, old crosswalk, confidence":"Publisher text only; unidentified CFPB FAQ removed from evidentiary support. Medium-high publisher text"},"coordinator_verification_status":"selected_support_with_explicit_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S014"],"coordinator_review":"BoundeddatedWI4same-coordinatorpublishertextreuse; no allCRA/product/currentimplementation or equality500 claim.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"},{"claim_id":"S_WI-P05-C022","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C022","Precise assertion":"January 2025 medical amendments were final, then expressly vacated in July 2025; CFPB acknowledges vacatur.","Source and pinpoint":"S015; S016 printed pp.30,34 / zero 29,33; S017 pp.1–2 / zero 0–1","Conditions, exceptions, consequence, old crosswalk, confidence":"Corrects “proposed additions”; no comprehensive appellate citator. High observed status"},"coordinator_verification_status":"selected_support_with_explicit_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S015","S_WI-P05-S016","S_WI-P05-S017"],"coordinator_review":"FreshCFPBstatusplusdatedDoc52/53selectedcourttext; finalthenvacatedsupported. Researcherpixelsnotnewcoordinatorpixels/fullcitator.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"},{"claim_id":"S_WI-P05-C023","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C023","Precise assertion":"Seven specified scalar calculations are arithmetically correct; DOFD formula rendered once, not duplicated.","Source and pinpoint":"S031/S032 for federal time expressions; stipulated numerical inputs","Conditions, exceptions, consequence, old crosswalk, confidence":"No actual-date, fee, award, score or reporting entitlement. Arithmetic high"},"coordinator_verification_status":"selected_support_with_explicit_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S031","S_WI-P05-S032"],"coordinator_review":"All7stipulatedscalars recomputed; plainrendering singleperrelation. SymbolicDOFD conditional; noactualcalendar/award/deletion.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"},{"claim_id":"S_WI-P05-C024","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C024","Precise assertion":"Wisconsin $320 example is conditional numerical computation only, not current-law penalty, stacking or recovery validation.","Source and pinpoint":"P04 dated S025/S026; unsuccessful current access S018–S029","Conditions, exceptions, consequence, old crosswalk, confidence":"Legal conclusion held; arithmetic high"},"coordinator_verification_status":"held_for_current_Wisconsin_primary_verification","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S025","S_WI-P05-S026","S_WI-P05-S018","S_WI-P05-S019","S_WI-P05-S020","S_WI-P05-S021","S_WI-P05-S022","S_WI-P05-S023","S_WI-P05-S024","S_WI-P05-S027","S_WI-P05-S028","S_WI-P05-S029"],"coordinator_review":"Honeststateevidencehold supported; no operativeWIbody/Act105/remedyformula,stacking,preemption,injury/awardvalidation. Arithmeticseparate.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"},{"claim_id":"S_WI-P05-C025","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C025","Precise assertion":"Actual access, version and PDF observations must be attributed separately, without pretending historical coordinator views were fresh source reads.","Source and pinpoint":"S002, S006–S010, S015–S019, S033","Conditions, exceptions, consequence, old crosswalk, confidence":"Process/provenance claim; documented"},"coordinator_verification_status":"selected_support_with_explicit_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S002","S_WI-P05-S006","S_WI-P05-S007","S_WI-P05-S008","S_WI-P05-S009","S_WI-P05-S010","S_WI-P05-S015","S_WI-P05-S016","S_WI-P05-S017","S_WI-P05-S018","S_WI-P05-S019","S_WI-P05-S033"],"coordinator_review":"Processclaimsboundedbyseparateactualaccess; exactcurrentj/freezelocators failedforcoordinator; no falsityinference aboutresearcheraccess.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"},{"claim_id":"S_WI-P05-C026","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C026","Precise assertion":"Act 105 future $25k-to-$50k threshold remains prior-research attributed until the exact official act body/effective clause is read.","Source and pinpoint":"S019, S021, S029","Conditions, exceptions, consequence, old crosswalk, confidence":"Not accepted current legislative verification. Held"},"coordinator_verification_status":"held_for_current_Wisconsin_primary_verification","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S019","S_WI-P05-S021","S_WI-P05-S029"],"coordinator_review":"Honeststateevidencehold supported; no operativeWIbody/Act105/remedyformula,stacking,preemption,injury/awardvalidation. Arithmeticseparate.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"},{"claim_id":"S_WI-P05-C027","area_numbers":[66],"area_assignment_method":"task_scope_fallback","researcher_record":{"Claim ID":"C027","Precise assertion":"Regulation V direct dispute address/content/exclusion predicates are distinct from §623(a)(1)(B)'s specified-address and actual-inaccuracy requirements.","Source and pinpoint":"S003 §1022.43(b)–(f); S002 (a)(1)(B)–(C)","Conditions, exceptions, consequence, old crosswalk, confidence":"A single ordinary letter does not establish all investigation routes. High"},"coordinator_verification_status":"selected_support_with_explicit_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":["S_WI-P05-S003","S_WI-P05-S002"],"coordinator_review":"Supported within actual source-check scopes and stated predicates; not a real-account result/all-source/citator/parent acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"},{"claim_id":"S_WI-P05-C028","area_numbers":[66],"area_assignment_method":"explicit_report_labels","researcher_record":{"Claim ID":"C028","Precise assertion":"No PASS-01–PASS-04, Wisconsin state, parent registry or A066 conclusion is accepted by this bounded correction.","Source and pinpoint":"Research authorization and register status","Conditions, exceptions, consequence, old crosswalk, confidence":"Procedural scope statement, not a legal-authority claim"},"coordinator_verification_status":"selected_support_with_explicit_limits","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_source_ids":[],"coordinator_review":"Supported within actual source-check scopes and stated predicates; not a real-account result/all-source/citator/parent acceptance.","coordinator_review_file":"[internal evidence reference]","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00"}],"sources":[{"source_id":"S_WI-P05-S001","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1006/30/"],"researcher_record":{"Source ID":"S_WI-P05-S001","Issuer, title and full literal direct URL":"CFPB, Regulation F §1006.30, Other prohibited practices. https://www.consumerfinance.gov/rules-policy/regulations/1006/30/","Exact location, version/effective status":"(a)(1)–(2), official comments 30(a)(1)-1–3; (b)(1), comment 30(b)(1)-1–2; (b)(2)(i)(A)–(C), (ii), (iii), comment 30(b)(2)(i)(A)-1. Current regulation","Actual access and limitation":"Fresh full relevant operative text and commentary read"},"coordinator_verification_status":"selected_primary_body_checked","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_check_scope":"Fresh CFPB1006.30(a)/(b), commentary and all(b)(2) branches; b2(i) authorizes transfer for consideration, b2(ii) has its own three-action wording. No broad collection authorization.","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00","coordinator_check_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"independent_review":false},{"source_id":"S_WI-P05-S002","urls":["https://uscode.house.gov/us/usc/119-120/t15/s1681s-2/"],"researcher_record":{"Source ID":"S002","Issuer, title and full literal direct URL":"U.S. House OLRC, 15 U.S.C. §1681s-2, Responsibilities of furnishers. https://uscode.house.gov/us/usc/119-120/t15/s1681s-2/","Exact location, version/effective status":"(a)(1)(A)–(D), (a)(2), (a)(3), (a)(7)(A)–(G), (a)(8), (b), (c), (d). Text through Public Law 119-120, October 7, 2026","Actual access and limitation":"Fresh official body read. Not represented as October 15 compilation"},"coordinator_verification_status":"selected_primary_body_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_check_scope":"Fresh OLRC119-120 displayedOct7: a1A-D,a2/3,a7A-G and selected b/c/d; negative-notice and accuracy routes distinct.","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00","coordinator_check_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"independent_review":false},{"source_id":"S_WI-P05-S003","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1022/43/"],"researcher_record":{"Source ID":"S003","Issuer, title and full literal direct URL":"CFPB, Regulation V §1022.43, Direct disputes. https://www.consumerfinance.gov/rules-policy/regulations/1022/43/","Exact location, version/effective status":"(a)–(f), especially (b), (c), (d), (e). Current regulation","Actual access and limitation":"Fresh relevant operative text read; no new independent full direct-dispute dossier"},"coordinator_verification_status":"selected_primary_body_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_check_scope":"Fresh CFPB1022.43 a-e and material exceptions/address/content; no full direct-dispute dossier or actual sufficient letter.","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00","coordinator_check_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"independent_review":false},{"source_id":"S_WI-P05-S004","urls":["https://www.consumerfinance.gov/rules-policy/regulations/1022/b/"],"researcher_record":{"Source ID":"S004","Issuer, title and full literal direct URL":"CFPB, Regulation V Appendix B, Model Notices of Furnishing Negative Information. https://www.consumerfinance.gov/rules-policy/regulations/1022/b/","Exact location, version/effective status":"Appendix B introductory paragraphs (a)–(d); Model B-1 and Model B-2. Current","Actual access and limitation":"Fresh model and safe-harbor text read"},"coordinator_verification_status":"selected_primary_body_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_check_scope":"Fresh entire operative AppendixB introductorya-d and both model texts, optionality and modification boundary; no form submitted.","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00","coordinator_check_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"independent_review":false},{"source_id":"S_WI-P05-S005","urls":["https://uscode.house.gov/us/usc/119-124/t15/s6809/"],"researcher_record":{"Source ID":"S005","Issuer, title and full literal direct URL":"U.S. House OLRC, 15 U.S.C. §6809, Definitions. https://uscode.house.gov/us/usc/119-124/t15/s6809/","Exact location, version/effective status":"§6809 definitions referenced by §1681s-2(a)(7), including “financial institution” and “customer.” Through Pub. L. 119-124, Oct. 15, 2026","Actual access and limitation":"Fresh official relevant definitions read; no broader GLBA review"},"coordinator_verification_status":"selected_primary_body_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_check_scope":"Fresh6809 official definitions and1681s-2a7Gii cross-reference. Customer is a statutory cross-reference; no invented stand-alone6809 definition or complete GLBA construction.","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00","coordinator_check_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"independent_review":false},{"source_id":"S_WI-P05-S006","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1692k/"],"researcher_record":{"Source ID":"S006","Issuer, title and full literal direct URL":"U.S. House OLRC, 15 U.S.C. §1692k, Civil liability. https://uscode.house.gov/us/usc/119-124/t15/s1692k/","Exact location, version/effective status":"(a)(1)–(3), (b)(1)–(2), (c), (d), (e); through Pub. L. 119-124","Actual access and limitation":"Fresh complete operative section read"},"coordinator_verification_status":"selected_primary_body_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_check_scope":"Fresh1692k a-e including individual/class ceilings,fees,badfaith,defenses and one-year provision; displayed119-124Oct15. No automatic award or tolling/citator decision.","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00","coordinator_check_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"independent_review":false},{"source_id":"S_WI-P05-S007","urls":["https://www.wicourts.gov/ca/opinion/DisplayDocument.pdf?content=pdf&seqNo=16274"],"researcher_record":{"Source ID":"S007","Issuer, title and full literal direct 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 location, version/effective status":"¶¶23–27. Printed pp.12–14; zero PDF indexes 12–14. Published historical opinion, applying 1997–1998 statute","Actual access and limitation":"Fresh official PDF text and page images 12–14 inspected. No full citator"},"coordinator_verification_status":"selected_primary_text_checked_no_new_pixels","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_check_scope":"Fresh official16page Turner text and page indices12-14, paras23-27; historical1997-98 statute and reversal/remand. No new coordinator page images/full citator.","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00","coordinator_check_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"independent_review":false},{"source_id":"S_WI-P05-S008","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1681c-1/"],"researcher_record":{"Source ID":"S008","Issuer, title and full literal direct URL":"U.S. House OLRC, 15 U.S.C. §1681c-1, Identity theft prevention; fraud alerts and active duty alerts. https://uscode.house.gov/us/usc/119-124/t15/s1681c-1/","Exact location, version/effective status":"(i)(2), (i)(3), (i)(4), (j)(1). Through Pub. L. 119-124, Oct. 15, 2026","Actual access and limitation":"Fresh current official section read. Protected-consumer law not investigated beyond distinction"},"coordinator_verification_status":"exact_current_compilation_unverified_alternative_body_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_check_scope":"Exact119-124 failed for coordinator this review. Researcher successful-access claim preserved separately; accessible119-118 locator displayed119-120Oct7, i2-i4/j supports bounded rule, not coordinatorOct15 verification.","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00","coordinator_check_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"independent_review":false},{"source_id":"S_WI-P05-S009","urls":["https://uscode.house.gov/us/usc/119-118/t15/s1681c-1/"],"researcher_record":{"Source ID":"S009","Issuer, title and full literal direct URL":"U.S. House OLRC, alternative historical-locator request. https://uscode.house.gov/us/usc/119-118/t15/s1681c-1/","Exact location, version/effective status":"Requested path contains /119-118/; returned page displayed text through Pub. L. 119-120, Oct. 7, 2026","Actual access and limitation":"Freshly opened but not represented as a validated 119-118 edition. S008 controls current source claim"},"coordinator_verification_status":"selected_primary_body_checked_version_bounded","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_check_scope":"Fresh alternative119-118 locator displayed119-120Oct7; actuali2/i3/i4 and protected-consumerj distinction. URL edition and displayed compilation differ.","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00","coordinator_check_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"independent_review":false},{"source_id":"S_WI-P05-S010","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1681j/"],"researcher_record":{"Source ID":"S010","Issuer, title and full literal direct URL":"U.S. House OLRC, 15 U.S.C. §1681j, Charges for certain disclosures. https://uscode.house.gov/us/usc/119-124/t15/s1681j/","Exact location, version/effective status":"(a)(1)(A)–(C), (a)(2), (a)(3), (a)(4), (b); through Pub. L. 119-124","Actual access and limitation":"Fresh current official body read successfully, correcting prior access hold"},"coordinator_verification_status":"exact_current_compilation_unverified_alternative_body_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_check_scope":"Exact119-124 failed for coordinator. Search-discovered official119-118 body freshly read, displayed119-120Oct7: a1-A-C,a2,a3 and first12montha4 exception. Separate45day branch substantiated; no Oct15 compilation certification.","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00","coordinator_check_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"independent_review":false},{"source_id":"S_WI-P05-S011","urls":["https://uscode.house.gov/us/usc/119-124/t15/s1681g/"],"researcher_record":{"Source ID":"S011","Issuer, title and full literal direct URL":"U.S. House OLRC, 15 U.S.C. §1681g, Disclosures to consumers. https://uscode.house.gov/us/usc/119-124/t15/s1681g/","Exact location, version/effective status":"(a) file information/source rights; relevant cross-reference to §1681j. Through Pub. L. 119-124","Actual access and limitation":"Fresh limited relevant section read"},"coordinator_verification_status":"dated_same_coordinator_selected_text_reuse","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_check_scope":"Precise WI4 selected1681g file/score text reuse in primary13/15/19 packets and source-check record; no fresh complete1681g read now.","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00","coordinator_check_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"independent_review":false},{"source_id":"S_WI-P05-S012","urls":["https://consumer.ftc.gov/articles/free-credit-reports"],"researcher_record":{"Source ID":"S012","Issuer, title and full literal direct URL":"Federal Trade Commission, Free Credit Reports. https://consumer.ftc.gov/articles/free-credit-reports","Exact location, version/effective status":"“How often can I get a free report?”; nationwide CRAs' free weekly practice and statutory annual right","Actual access and limitation":"Fresh official guidance read. Voluntary practice not an enacted frequency amendment"},"coordinator_verification_status":"selected_official_guidance_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_check_scope":"Fresh FTC annual statutory versus voluntary weekly program and delivery guidance; linked forms not opened/submitted; weekly statutorya classification held.","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00","coordinator_check_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"independent_review":false},{"source_id":"S_WI-P05-S013","urls":["https://www.transunion.com/blog/credit-advice/how-long-do-collections-stay-on-your-credit-report"],"researcher_record":{"Source ID":"S013","Issuer, title and full literal direct URL":"TransUnion, How Long Do Collections Stay on Your Credit Report? https://www.transunion.com/blog/credit-advice/how-long-do-collections-stay-on-your-credit-report","Exact location, version/effective status":"Updated May 19, 2026; “Medical debt collections on your credit report”","Actual access and limitation":"Fresh publisher body read. Applies to described policy; not law/all CRA certification"},"coordinator_verification_status":"dated_same_coordinator_publisher_text_reuse","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_check_scope":"WI4primary15 exactTU text initialreportedbalanceUNDER500, paidmedical,oneyear fromoriginaldelinquency. Publisher practice only, not law/allproducts/allCRAs.","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00","coordinator_check_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"independent_review":false},{"source_id":"S_WI-P05-S014","urls":["https://www.experian.com/blogs/ask-experian/how-do-i-get-a-paid-collection-off-my-credit-report/"],"researcher_record":{"Source ID":"S014","Issuer, title and full literal direct URL":"Experian, How Do I Get a Paid Collection Off My Credit Report? https://www.experian.com/blogs/ask-experian/how-do-i-get-a-paid-collection-off-my-credit-report/","Exact location, version/effective status":"Dated Oct. 22, 2026; sections on paid collections and medical collections","Actual access and limitation":"Fresh publisher body read. No independent Equifax read"},"coordinator_verification_status":"dated_same_coordinator_publisher_text_reuse","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_check_scope":"WI4primary15 selectedExperian paid/medical/scoring passages. No separateEquifax implementation, equality500 or fullproduct verification.","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00","coordinator_check_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"independent_review":false},{"source_id":"S_WI-P05-S015","urls":["https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/fair-credit-reporting-act/"],"researcher_record":{"Source ID":"S015","Issuer, title and full literal direct URL":"CFPB, Credit reporting requirements (FCRA). https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/fair-credit-reporting-act/","Exact location, version/effective status":"Page updated June 1, 2026; current notice concerning Cornerstone, vacatur, reference-only medical rule materials","Actual access and limitation":"Fresh official page read. Website update date is not legal effective date"},"coordinator_verification_status":"selected_official_status_guidance_checked","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_check_scope":"Fresh currentCFPB page acknowledgesJuly2025vacatur andreference-only materials, displayedupdatedJune1,2026. No exhaustive appellatehistory.","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00","coordinator_check_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"independent_review":false},{"source_id":"S_WI-P05-S016","urls":["https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.52.0_1.pdf"],"researcher_record":{"Source ID":"S016","Issuer, title and full literal direct URL":"U.S. District Court, E.D. Texas, Cornerstone Credit Union League v. CFPB, Document 52, Memorandum Opinion and Order. https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.52.0_1.pdf","Exact location, version/effective status":"Filed July 11, 2025; 34 pages. Printed pp.30, 34; zero PDF indexes 29, 33; remedy and signed vacatur","Actual access and limitation":"Fresh original court-document text and selected page images read via CourtListener mirror, not judiciary host"},"coordinator_verification_status":"dated_same_coordinator_court_document_text_reuse","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_check_scope":"WI4primary16 Doc52 remedy/conclusion printed30-34 zero29-33 selectedtext; CourtListener mirror ofcourtfiledPDF, not judiciaryhost; researchernewpixelclaim not coordinatorpixelclaim.","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00","coordinator_check_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"independent_review":false},{"source_id":"S_WI-P05-S017","urls":["https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.53.0.pdf"],"researcher_record":{"Source ID":"S017","Issuer, title and full literal direct URL":"Same case, Document 53, Final Judgment. https://storage.courtlistener.com/recap/gov.uscourts.txed.235173/gov.uscourts.txed.235173.53.0.pdf","Exact location, version/effective status":"July 11, 2025; printed pp.1–2; zero PDF indexes 0–1; final vacatur/remand","Actual access and limitation":"Fresh both page images and body read via court-document mirror"},"coordinator_verification_status":"dated_same_coordinator_court_document_text_reuse","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_check_scope":"WI4primary8/9 complete two-pageDoc53 judgment text within prior source-check scope; no new pixel/fullcitator assertion.","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00","coordinator_check_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"independent_review":false},{"source_id":"S_WI-P05-S018","urls":["https://docs.legis.wisconsin.gov/2025/statutes/statutes/427/104"],"researcher_record":{"Source ID":"S018","Issuer, document and literal URL":"Wisconsin Legislature, different versioned §427.104 route. https://docs.legis.wisconsin.gov/2025/statutes/statutes/427/104","Pinpoint / version required":"Official enacted §427.104, especially (1)(c), (e), (f), relevant exceptions","Actual access/status":"Fresh attempted; inaccessible. Not an empty statute"},"coordinator_verification_status":"researcher_failed_access_preserved_current_primary_unverified","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_check_scope":"P05 different officialWI427104 route failed per researcher. Coordinator not repeating unchangedfailures; WI4 currentprimary failure persists.","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00","coordinator_check_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"independent_review":false},{"source_id":"S_WI-P05-S019","urls":["https://docs.legis.wisconsin.gov/2025/acts/105"],"researcher_record":{"Source ID":"S019","Issuer, document and literal URL":"Wisconsin Legislature, different versioned 2025 Act 105 route. https://docs.legis.wisconsin.gov/2025/acts/105","Pinpoint / version required":"Enacted Act 105 text and effective-date provisions","Actual access/status":"Fresh attempted; inaccessible. Future-threshold text held"},"coordinator_verification_status":"researcher_failed_access_preserved_current_primary_unverified","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_check_scope":"P05 alternativeAct105 failed per researcher. Currentoperativeenactment/effectivedate not verified; prior attribution retained.","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00","coordinator_check_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"independent_review":false},{"source_id":"S_WI-P05-S020","urls":["https://docs.legis.wisconsin.gov/statutes/statutes/421/ii/201","https://law.justia.com/codes/wisconsin/chapter-421/section-421-201/"],"researcher_record":{"Source ID":"S020","Issuer, document and literal URL":"Wisconsin Legislature, Wis. Stat. §421.201. https://docs.legis.wisconsin.gov/statutes/statutes/421/ii/201 Access copy: https://law.justia.com/codes/wisconsin/chapter-421/section-421-201/","Pinpoint / version required":"Territorial applicability and exceptions; 2025 reproduced statute","Actual access/status":"PASS-04 dated reproduction/official-locator evidence only; no successful fresh P05 official body read"},"coordinator_verification_status":"current_Wisconsin_primary_unverified_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_check_scope":"WI4 exactofficial421201 failed. Priorreproduction/locator not newlyverifiedoperativebody; nexus/exceptionsheld.","coordinator_checked_at":"2026-10-26T22:03:38.433869+00:00","coordinator_check_evidence":["[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]","[internal evidence reference]"],"independent_review":false},{"source_id":"S_WI-P05-S021","urls":["https://docs.legis.wisconsin.gov/statutes/statutes/421/ii/202","https://law.justia.com/codes/wisconsin/chapter-421/section-421-202/"],"researcher_record":{"Source ID":"S021","Issuer, document and literal URL":"Wisconsin Legislature, Wis. Stat. §421.202. https://docs.legis.wisconsin.gov/statutes/statutes/421/ii/202 Access copy: https://law.justia.com/codes/wisconsin/chapter-421/section-421-202/","Pinpoint / version required":"Exclusions and amount threshold; 2025 reproduction","Actual access/status":"Prior reproduced text only, current official body held"},"coordinator_verification_status":"current_Wisconsin_primary_unverified_held","id_normalization":"Unprefixed visible ID qualified by this task; original cell unchanged.","coordinator_id_normalization":"ExplicitP05contextmechanicalonly; rawresearchercellsunaltered/no newverification.","coordinator_check_scope":"WI4 exactofficial421202 failed. 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Oct15exactlocatornotverified, annuala4/weeklyapplicationbounded.","coordinator_review_file":"[internal evidence reference]"},{"topic":"G2 — §623(a)(7) actor and CRA scope","researcher_record":{"Group / exact subissue":"G2 — §623(a)(7) actor and CRA scope","Coverage":"Answered","P05 claims":"C010","P05 sources":"S002, S005, S034","Remaining exact evidence / action":"Institution/customer status in actual scenario"},"raw_table_index":14,"coordinator_acceptance":"bounded_correction_supported_not_parent_acceptance","coordinator_claim_ids":["S_WI-P05-C010"],"coordinator_source_ids":["S_WI-P05-S002","S_WI-P05-S005","S_WI-P05-S034"],"coordinator_review":"Actualclaim/source scopes control; retained applicability and factualconditions.","coordinator_review_file":"[internal evidence reference]"},{"topic":"G2 — First notice and later reporting","researcher_record":{"Group / exact subissue":"G2 — First notice and later reporting","Coverage":"Answered","P05 claims":"C010–C011","P05 sources":"S002","Remaining exact evidence / action":"Exact initial furnishing and notice records"},"raw_table_index":14,"coordinator_acceptance":"bounded_correction_supported_not_parent_acceptance","coordinator_claim_ids":["S_WI-P05-C010","S_WI-P05-C011"],"coordinator_source_ids":["S_WI-P05-S002"],"coordinator_review":"Actualclaim/source scopes control; retained applicability and factualconditions.","coordinator_review_file":"[internal evidence reference]"},{"topic":"G2 — §1637(a) initial-disclosure limit","researcher_record":{"Group / exact subissue":"G2 — §1637(a) initial-disclosure limit","Coverage":"Answered","P05 claims":"C011","P05 sources":"S002","Remaining exact evidence / action":"Actual notice/document if later supplied"},"raw_table_index":14,"coordinator_acceptance":"bounded_correction_supported_not_parent_acceptance","coordinator_claim_ids":["S_WI-P05-C011"],"coordinator_source_ids":["S_WI-P05-S002"],"coordinator_review":"Actualclaim/source scopes control; retained applicability and factualconditions.","coordinator_review_file":"[internal evidence reference]"},{"topic":"G2 — §623(a)(7) compliance safe harbor","researcher_record":{"Group / exact subissue":"G2 — §623(a)(7) compliance safe harbor","Coverage":"Answered","P05 claims":"C011–C012","P05 sources":"S002, S004","Remaining exact evidence / action":"Actual policies/models, compliance facts"},"raw_table_index":14,"coordinator_acceptance":"bounded_correction_supported_not_parent_acceptance","coordinator_claim_ids":["S_WI-P05-C011","S_WI-P05-C012"],"coordinator_source_ids":["S_WI-P05-S002","S_WI-P05-S004"],"coordinator_review":"Actualclaim/source scopes control; retained applicability and factualconditions.","coordinator_review_file":"[internal evidence reference]"},{"topic":"G2 — Models B-1/B-2","researcher_record":{"Group / exact subissue":"G2 — Models B-1/B-2","Coverage":"Answered","P05 claims":"C012","P05 sources":"S004","Remaining exact evidence / action":"No form used or submitted"},"raw_table_index":14,"coordinator_acceptance":"bounded_correction_supported_not_parent_acceptance","coordinator_claim_ids":["S_WI-P05-C012"],"coordinator_source_ids":["S_WI-P05-S004"],"coordinator_review":"Actualclaim/source scopes control; retained applicability and factualconditions.","coordinator_review_file":"[internal evidence reference]"},{"topic":"G2 — FDCPA §1692k","researcher_record":{"Group / exact subissue":"G2 — FDCPA §1692k","Coverage":"Answered at bounded correction","P05 claims":"C013","P05 sources":"S006","Remaining exact evidence / action":"Liability, defenses, concrete injury and any individual relief outside"},"raw_table_index":14,"coordinator_acceptance":"bounded_correction_supported_not_parent_acceptance","coordinator_claim_ids":["S_WI-P05-C013"],"coordinator_source_ids":["S_WI-P05-S006"],"coordinator_review":"Actualclaim/source scopes control; retained applicability and factualconditions.","coordinator_review_file":"[internal evidence reference]"},{"topic":"G2 — FDCPA source/claim crosswalk","researcher_record":{"Group / exact subissue":"G2 — FDCPA source/claim crosswalk","Coverage":"Answered","P05 claims":"C013","P05 sources":"S006","Remaining exact evidence / action":"Remove reliance on FCRA-only C034 for this row"},"raw_table_index":14,"coordinator_acceptance":"bounded_correction_supported_not_parent_acceptance","coordinator_claim_ids":["S_WI-P05-C013"],"coordinator_source_ids":["S_WI-P05-S006"],"coordinator_review":"Actualclaim/source scopes control; retained applicability and factualconditions.","coordinator_review_file":"[internal evidence reference]"},{"topic":"G3 — Current Wisconsin statutory definitions","researcher_record":{"Group / exact subissue":"G3 — Current Wisconsin statutory definitions","Coverage":"Unresolved official verification","P05 claims":"C017","P05 sources":"S020–S023","Remaining exact evidence / action":"Obtain actual current official §§421.201/.202/.301, 427.104 text"},"raw_table_index":14,"coordinator_acceptance":"explicit_remaining_hold_or_excluded","coordinator_claim_ids":["S_WI-P05-C017"],"coordinator_source_ids":["S_WI-P05-S020","S_WI-P05-S021","S_WI-P05-S022","S_WI-P05-S023"],"coordinator_review":"Obtain actual current official §§421.201/.202/.301, 427.104 text","coordinator_review_file":"[internal evidence reference]"},{"topic":"G3 — Current Wisconsin administrative rule","researcher_record":{"Group / exact subissue":"G3 — Current Wisconsin administrative rule","Coverage":"Unresolved","P05 claims":"C017","P05 sources":"S028","Remaining exact evidence / action":"Complete current official ch. DFI-Bkg 74 and effective history"},"raw_table_index":14,"coordinator_acceptance":"explicit_remaining_hold_or_excluded","coordinator_claim_ids":["S_WI-P05-C017"],"coordinator_source_ids":["S_WI-P05-S028"],"coordinator_review":"Complete current official ch. DFI-Bkg 74 and effective history","coordinator_review_file":"[internal evidence reference]"},{"topic":"G3 — Current Wisconsin remedies","researcher_record":{"Group / exact subissue":"G3 — Current Wisconsin remedies","Coverage":"Unresolved","P05 claims":"C024","P05 sources":"S024–S026","Remaining exact evidence / action":"Full official §§427.105, 425.304/.307 and exceptions"},"raw_table_index":14,"coordinator_acceptance":"explicit_remaining_hold_or_excluded","coordinator_claim_ids":["S_WI-P05-C024"],"coordinator_source_ids":["S_WI-P05-S024","S_WI-P05-S025","S_WI-P05-S026"],"coordinator_review":"Full official §§427.105, 425.304/.307 and exceptions","coordinator_review_file":"[internal evidence reference]"},{"topic":"G3 — Wisconsin §100.54","researcher_record":{"Group / exact subissue":"G3 — Wisconsin §100.54","Coverage":"Unresolved state-law text","P05 claims":"C017","P05 sources":"S027","Remaining exact evidence / action":"Official current §100.54 plus precise conflict analysis"},"raw_table_index":14,"coordinator_acceptance":"explicit_remaining_hold_or_excluded","coordinator_claim_ids":["S_WI-P05-C017"],"coordinator_source_ids":["S_WI-P05-S027"],"coordinator_review":"Official current §100.54 plus precise conflict analysis","coordinator_review_file":"[internal evidence reference]"},{"topic":"G3 — Act 105 future-effective threshold","researcher_record":{"Group / exact subissue":"G3 — Act 105 future-effective threshold","Coverage":"Unresolved official enactment","P05 claims":"C026","P05 sources":"S019, S029","Remaining exact evidence / action":"Read enacted §§1–2 and precise effective date"},"raw_table_index":14,"coordinator_acceptance":"explicit_remaining_hold_or_excluded","coordinator_claim_ids":["S_WI-P05-C026"],"coordinator_source_ids":["S_WI-P05-S019","S_WI-P05-S029"],"coordinator_review":"Read enacted §§1–2 and precise effective date","coordinator_review_file":"[internal evidence reference]"},{"topic":"G3 — Alternative official retrieval","researcher_record":{"Group / exact subissue":"G3 — Alternative official retrieval","Coverage":"Attempted/failed","P05 claims":"C017, C026","P05 sources":"S018–S019","Remaining exact evidence / action":"No unchanged retry loop; alternative authoritative publication needed"},"raw_table_index":14,"coordinator_acceptance":"explicit_remaining_hold_or_excluded","coordinator_claim_ids":["S_WI-P05-C017","S_WI-P05-C026"],"coordinator_source_ids":["S_WI-P05-S018","S_WI-P05-S019"],"coordinator_review":"No unchanged retry loop; alternative authoritative publication needed","coordinator_review_file":"[internal evidence reference]"},{"topic":"G3 — §1681j primary access","researcher_record":{"Group / exact subissue":"G3 — §1681j primary access","Coverage":"Answered, newly recovered","P05 claims":"C018","P05 sources":"S010–S011","Remaining exact evidence / action":"None for the precise provision read"},"raw_table_index":14,"coordinator_acceptance":"selected_federal_support_current_compilation_held","coordinator_claim_ids":["S_WI-P05-C018"],"coordinator_source_ids":["S_WI-P05-S010","S_WI-P05-S011"],"coordinator_review":"CoordinatorOct7alternativebody only; Oct15exactlocatornotverified, annuala4/weeklyapplicationbounded.","coordinator_review_file":"[internal evidence reference]"},{"topic":"G3 — Annual statutory versus weekly policy","researcher_record":{"Group / exact subissue":"G3 — Annual statutory versus weekly policy","Coverage":"Answered","P05 claims":"C018","P05 sources":"S010–S012","Remaining exact evidence / action":"Future policy changes remain possible"},"raw_table_index":14,"coordinator_acceptance":"selected_federal_support_current_compilation_held","coordinator_claim_ids":["S_WI-P05-C018"],"coordinator_source_ids":["S_WI-P05-S010","S_WI-P05-S011","S_WI-P05-S012"],"coordinator_review":"CoordinatorOct7alternativebody only; Oct15exactlocatornotverified, annuala4/weeklyapplicationbounded.","coordinator_review_file":"[internal evidence reference]"},{"topic":"G3 — Ordinary 30+15 days","researcher_record":{"Group / exact subissue":"G3 — Ordinary 30+15 days","Coverage":"Answered","P05 claims":"C019, C023","P05 sources":"S031","Remaining exact evidence / action":"Actual relevant-information receipt conditions required"},"raw_table_index":14,"coordinator_acceptance":"selected_federal_support_current_compilation_held","coordinator_claim_ids":["S_WI-P05-C019","S_WI-P05-C023"],"coordinator_source_ids":["S_WI-P05-S031"],"coordinator_review":"CoordinatorOct7alternativebody only; Oct15exactlocatornotverified, annuala4/weeklyapplicationbounded.","coordinator_review_file":"[internal evidence reference]"},{"topic":"G3 — §1681j(a)(3) separate 45-day branch","researcher_record":{"Group / exact subissue":"G3 — §1681j(a)(3) separate 45-day branch","Coverage":"Answered statutory rule","P05 claims":"C019","P05 sources":"S010","Remaining exact evidence / action":"Classify actual report as one under subsection (a)"},"raw_table_index":14,"coordinator_acceptance":"selected_federal_support_current_compilation_held","coordinator_claim_ids":["S_WI-P05-C019"],"coordinator_source_ids":["S_WI-P05-S010"],"coordinator_review":"CoordinatorOct7alternativebody only; Oct15exactlocatornotverified, annuala4/weeklyapplicationbounded.","coordinator_review_file":"[internal evidence reference]"},{"topic":"G3 — Freeze compilation version","researcher_record":{"Group / exact subissue":"G3 — Freeze compilation version","Coverage":"Answered for current 119-124","P05 claims":"C015, C025","P05 sources":"S008–S009","Remaining exact evidence / action":"No claim that alternative URL validated the older edition named in path"},"raw_table_index":14,"coordinator_acceptance":"selected_federal_support_current_compilation_held","coordinator_claim_ids":["S_WI-P05-C015","S_WI-P05-C025"],"coordinator_source_ids":["S_WI-P05-S008","S_WI-P05-S009"],"coordinator_review":"CoordinatorOct7alternativebody only; Oct15exactlocatornotverified, annuala4/weeklyapplicationbounded.","coordinator_review_file":"[internal evidence reference]"},{"topic":"G3 — TransUnion under-$500 policy","researcher_record":{"Group / exact subissue":"G3 — TransUnion under-$500 policy","Coverage":"Answered publisher wording","P05 claims":"C020","P05 sources":"S013","Remaining exact evidence / action":"Actual initial reported balance; future version"},"raw_table_index":14,"coordinator_acceptance":"bounded_correction_supported_not_parent_acceptance","coordinator_claim_ids":["S_WI-P05-C020"],"coordinator_source_ids":["S_WI-P05-S013"],"coordinator_review":"Actualclaim/source scopes control; retained applicability and factualconditions.","coordinator_review_file":"[internal evidence reference]"},{"topic":"G3 — TransUnion paid and one-year rules","researcher_record":{"Group / exact subissue":"G3 — TransUnion paid and one-year rules","Coverage":"Answered publisher wording","P05 claims":"C020","P05 sources":"S013","Remaining exact evidence / action":"Classification and account timing not supplied"},"raw_table_index":14,"coordinator_acceptance":"bounded_correction_supported_not_parent_acceptance","coordinator_claim_ids":["S_WI-P05-C020"],"coordinator_source_ids":["S_WI-P05-S013"],"coordinator_review":"Actualclaim/source scopes control; retained applicability and factualconditions.","coordinator_review_file":"[internal evidence reference]"},{"topic":"G3 — Experian policy","researcher_record":{"Group / exact subissue":"G3 — Experian policy","Coverage":"Partial publisher verification","P05 claims":"C021","P05 sources":"S014","Remaining exact evidence / action":"Specific product, amount and policy application held"},"raw_table_index":14,"coordinator_acceptance":"explicit_remaining_hold_or_excluded","coordinator_claim_ids":["S_WI-P05-C021"],"coordinator_source_ids":["S_WI-P05-S014"],"coordinator_review":"Specific product, amount and policy application held","coordinator_review_file":"[internal evidence reference]"},{"topic":"G3 — Independently verified Equifax policy","researcher_record":{"Group / exact subissue":"G3 — Independently verified Equifax policy","Coverage":"Unresolved","P05 claims":"C021","P05 sources":"S013–S014","Remaining exact evidence / action":"Directly read current Equifax issuer text if separately authorized"},"raw_table_index":14,"coordinator_acceptance":"explicit_remaining_hold_or_excluded","coordinator_claim_ids":["S_WI-P05-C021"],"coordinator_source_ids":["S_WI-P05-S013","S_WI-P05-S014"],"coordinator_review":"Directly read current Equifax issuer text if separately authorized","coordinator_review_file":"[internal evidence reference]"},{"topic":"G3 — Unnamed CFPB medical FAQ","researcher_record":{"Group / exact subissue":"G3 — Unnamed CFPB medical FAQ","Coverage":"Not independently evidenced","P05 claims":"C021","P05 sources":"S015","Remaining exact evidence / action":"Remove old source attribution until exact FAQ body located"},"raw_table_index":14,"coordinator_acceptance":"explicit_remaining_hold_or_excluded","coordinator_claim_ids":["S_WI-P05-C021"],"coordinator_source_ids":["S_WI-P05-S015"],"coordinator_review":"Remove old source attribution until exact FAQ body located","coordinator_review_file":"[internal evidence reference]"},{"topic":"G3 — Medical/charity/veteran/contract facts","researcher_record":{"Group / exact subissue":"G3 — Medical/charity/veteran/contract facts","Coverage":"Excluded","P05 claims":"C020–C022","P05 sources":"S013–S017","Remaining exact evidence / action":"Separate Wisconsin medical and account-level investigation"},"raw_table_index":14,"coordinator_acceptance":"explicit_remaining_hold_or_excluded","coordinator_claim_ids":["S_WI-P05-C020","S_WI-P05-C021","S_WI-P05-C022"],"coordinator_source_ids":["S_WI-P05-S013","S_WI-P05-S014","S_WI-P05-S015","S_WI-P05-S016","S_WI-P05-S017"],"coordinator_review":"Separate Wisconsin medical and account-level investigation","coordinator_review_file":"[internal evidence reference]"},{"topic":"G4 — DOFD formula once","researcher_record":{"Group / exact subissue":"G4 — DOFD formula once","Coverage":"Answered rendering","P05 claims":"C023","P05 sources":"S032","Remaining exact evidence / action":"Application needs actual DOFD and exclusion facts"},"raw_table_index":14,"coordinator_acceptance":"bounded_correction_supported_not_parent_acceptance","coordinator_claim_ids":["S_WI-P05-C023"],"coordinator_source_ids":["S_WI-P05-S032"],"coordinator_review":"Actualclaim/source scopes control; retained applicability and factualconditions.","coordinator_review_file":"[internal evidence reference]"},{"topic":"G4 — Seven numerical checks","researcher_record":{"Group / exact subissue":"G4 — Seven numerical checks","Coverage":"Answered arithmetic","P05 claims":"C023–C024","P05 sources":"S031–S032; stipulated inputs","Remaining exact evidence / action":"No legal-enforceability validation"},"raw_table_index":14,"coordinator_acceptance":"bounded_correction_supported_not_parent_acceptance","coordinator_claim_ids":["S_WI-P05-C023","S_WI-P05-C024"],"coordinator_source_ids":["S_WI-P05-S031","S_WI-P05-S032"],"coordinator_review":"Actualclaim/source scopes control; retained applicability and factualconditions.","coordinator_review_file":"[internal evidence reference]"},{"topic":"G4 — Wisconsin $320 formula/legal effect","researcher_record":{"Group / exact subissue":"G4 — Wisconsin $320 formula/legal effect","Coverage":"Arithmetic answered; law held","P05 claims":"C024","P05 sources":"S025–S026","Remaining exact evidence / action":"Actual official formula, eligibility, stacking, preemption and injury"},"raw_table_index":14,"coordinator_acceptance":"explicit_remaining_hold","coordinator_claim_ids":["S_WI-P05-C024"],"coordinator_source_ids":["S_WI-P05-S025","S_WI-P05-S026"],"coordinator_review":"Actual official formula, eligibility, stacking, preemption and injury","coordinator_review_file":"[internal evidence reference]"},{"topic":"G4 — Medical final-versus-proposed status","researcher_record":{"Group / exact subissue":"G4 — Medical final-versus-proposed status","Coverage":"Answered","P05 claims":"C022","P05 sources":"S015–S017","Remaining exact evidence / action":"No later full appeal/citator certification"},"raw_table_index":14,"coordinator_acceptance":"bounded_correction_supported_not_parent_acceptance","coordinator_claim_ids":["S_WI-P05-C022"],"coordinator_source_ids":["S_WI-P05-S015","S_WI-P05-S016","S_WI-P05-S017"],"coordinator_review":"Actualclaim/source scopes control; retained applicability and factualconditions.","coordinator_review_file":"[internal evidence reference]"},{"topic":"G4 — Court order page inspection","researcher_record":{"Group / exact subissue":"G4 — Court order page inspection","Coverage":"Answered for selected pages","P05 claims":"C022, C025","P05 sources":"S016–S017","Remaining exact evidence / action":"No claim every PDF page/image was separately inspected"},"raw_table_index":14,"coordinator_acceptance":"bounded_correction_supported_not_parent_acceptance","coordinator_claim_ids":["S_WI-P05-C022","S_WI-P05-C025"],"coordinator_source_ids":["S_WI-P05-S016","S_WI-P05-S017"],"coordinator_review":"Actualclaim/source scopes control; retained applicability and factualconditions.","coordinator_review_file":"[internal evidence reference]"},{"topic":"G4 — CourtListener host characterization","researcher_record":{"Group / exact subissue":"G4 — CourtListener host characterization","Coverage":"Answered","P05 claims":"C025","P05 sources":"S016–S017","Remaining exact evidence / action":"Mirror of original court-document, not court-operated host"},"raw_table_index":14,"coordinator_acceptance":"bounded_correction_supported_not_parent_acceptance","coordinator_claim_ids":["S_WI-P05-C025"],"coordinator_source_ids":["S_WI-P05-S016","S_WI-P05-S017"],"coordinator_review":"Actualclaim/source scopes control; retained applicability and factualconditions.","coordinator_review_file":"[internal evidence reference]"},{"topic":"G4 — OLRC edition distinction","researcher_record":{"Group / exact subissue":"G4 — OLRC edition distinction","Coverage":"Answered observation","P05 claims":"C025","P05 sources":"S002, S006, S008–S010, S033","Remaining exact evidence / action":"Later §1681s-2 edition attempted but inaccessible"},"raw_table_index":14,"coordinator_acceptance":"bounded_correction_supported_not_parent_acceptance","coordinator_claim_ids":["S_WI-P05-C025"],"coordinator_source_ids":["S_WI-P05-S002","S_WI-P05-S006","S_WI-P05-S008","S_WI-P05-S009","S_WI-P05-S010","S_WI-P05-S033"],"coordinator_review":"Actualclaim/source scopes control; retained applicability and factualconditions.","coordinator_review_file":"[internal evidence reference]"},{"topic":"G4 — Forms/letters provenance","researcher_record":{"Group / exact subissue":"G4 — Forms/letters provenance","Coverage":"Bounded dated reuse","P05 claims":"C025, C028","P05 sources":"S030","Remaining exact evidence / action":"Linked sample letters not freshly opened; no submissions"},"raw_table_index":14,"coordinator_acceptance":"bounded_correction_supported_not_parent_acceptance","coordinator_claim_ids":["S_WI-P05-C025","S_WI-P05-C028"],"coordinator_source_ids":["S_WI-P05-S030"],"coordinator_review":"Actualclaim/source scopes control; retained applicability and factualconditions.","coordinator_review_file":"[internal evidence reference]"},{"topic":"G4 — Unaffected P04 sources/claims","researcher_record":{"Group / exact subissue":"G4 — Unaffected P04 sources/claims","Coverage":"Retained, not re-reviewed","P05 claims":"C028","P05 sources":"P04 preserved record","Remaining exact evidence / action":"Coordinator review separately required"},"raw_table_index":14,"coordinator_acceptance":"bounded_correction_supported_not_parent_acceptance","coordinator_claim_ids":["S_WI-P05-C028"],"coordinator_source_ids":[],"coordinator_review":"Actualclaim/source scopes control; retained applicability and factualconditions.","coordinator_review_file":"[internal evidence reference]"},{"topic":"G4 — Independent all-source/citator certification","researcher_record":{"Group / exact subissue":"G4 — Independent all-source/citator certification","Coverage":"Excluded","P05 claims":"C025, C028","P05 sources":"Access record","Remaining exact evidence / action":"No complete citator or source certification"},"raw_table_index":14,"coordinator_acceptance":"explicit_remaining_hold_or_excluded","coordinator_claim_ids":["S_WI-P05-C025","S_WI-P05-C028"],"coordinator_source_ids":[],"coordinator_review":"No complete citator or source certification","coordinator_review_file":"[internal evidence reference]"},{"topic":"G4 — Publication/operations/parent approval","researcher_record":{"Group / exact subissue":"G4 — Publication/operations/parent approval","Coverage":"Excluded","P05 claims":"C028","P05 sources":"Research scope","Remaining exact evidence / action":"No Wisconsin, component, parent, or A066 acceptance"},"raw_table_index":14,"coordinator_acceptance":"explicit_remaining_hold_or_excluded","coordinator_claim_ids":["S_WI-P05-C028"],"coordinator_source_ids":[],"coordinator_review":"No Wisconsin, component, parent, or A066 acceptance","coordinator_review_file":"[internal evidence reference]"}],"annotations":{},"corrections":[],"resolved_corrections":[],"review_history":[{"id":"S_WI-pass-05-20261026-2203","status":"revise_two_narrow_residual_repairs","at":"2026-10-26T22:06:53.634174+00:00"}]}