The anatomy of a finding
- Reported line: what the report says and where it appears.
- Comparison evidence: the supplied record used to check that line.
- Plain mismatch: what does not line up, without inflating the conclusion.
- Rule citation: the statute or rule that may apply.
- Disposition: supported, held, or clean.
- Receipt: the evidence list and artifact SHA-256.
Supported, held, and clean are different outcomes.
Supported
The required line, comparison record, reason, rule, and receipt are present.
Held
A date, identity match, readable page, or other required evidence is missing or ambiguous. Held is not a finding.
Clean
The tested rule found no supported mismatch in the supplied materials. We do not invent a paid need.
Not promised
No finding predicts a deletion, score movement, approval, bureau response, loan term, or timeline.
Walk through F-05
Bankruptcy chapter and status divergence across agencies
What an agency reported
A bankruptcy category and account state that differed from the comparison record.
What the record showed
The court disposition and materially different account states across agencies.
Why it earned review
The report line and the document did not tell the same story. F-05 keeps that difference visible rather than turning it into a promise about the outcome.
Review citations shown in the sample
15 U.S.C. §1681e(b), §1681i(a), with chapter identification addressed in §1681c(d).