End to end
A fraudulent inquiry, on the chain.
Detectors flagged it. He confirmed. The furnisher answered without proof. The stolen account came off the score. A later lender pull wrote its own receipt. Every step is a ledger fact.
The inquiry never scored. Inquiries cannot reach ScorableFacts. The number moves because the stolen Rapid Credit Partners loan left the file.
anomaly_detected· 18 Aug 2026Detector flags the pull
AnomalyDetected is written. No dispute opens. The FCRA clock does not start.
anomaly_detected· 18 Aug 2026Detector flags the pull
AnomalyDetected is written. No dispute opens. The FCRA clock does not start.
anomaly_detected· 18 Aug 2026Detector flags the pull
AnomalyDetected is written. No dispute opens. The FCRA clock does not start.
anomaly_detected· 18 Aug 2026Detector flags the pull
AnomalyDetected is written. No dispute opens. The FCRA clock does not start.
fraud_reported· 18 Aug 2026He reports the stolen account
FraudReported suppresses the Rapid Credit Partners loan immediately. Waiting thirty days would leave a debt he never opened on the score.
freeze_placed· 18 Aug 2026The file freezes
Identity-theft protocol is file-level. A third-party pull cannot complete while this freeze is on.
consumer_notified· 18 Aug 2026He is told the result
FCRA §611(a)(6): a completed reinvestigation writes notice. A result without a notice cannot be produced.
dispute_opened· 18 Aug 2026He says the inquiry is not his
ConsumerConfirmation opens the dispute. That is when Origin's own clocks start.
dispute_filed_with_furnisher· 18 Aug 2026Origin files with the furnisher
The furnisher is put on notice here. Their deadline is Origin's remaining §611(a)(1) window, not a fresh thirty days. Origin's clock started at confirmation.
furnisher_responded· 18 Aug 2026The furnisher answers without proof
VerifiedWithoutDocumentation does not discharge the burden. Accuracy is enforced, not debated.
dispute_resolved· 18 Aug 2026The dispute closes unproven
The inquiry is suppressed. It never scored. The stolen account already came off the number.
item_suppressed· 18 Aug 2026The item stops counting
Suppression is a ledger fact. The row stays. Scoring and disclosure cannot see it.
consumer_notified· 18 Aug 2026He is told the result
FCRA §611(a)(6): a completed reinvestigation writes notice. A result without a notice cannot be produced.
freeze_lifted· 18 Aug 2026He lifts the freeze
A freeze is consumer-reversible. Lifting it does not restore the stolen account.
consent_granted· 18 Aug 2026He grants Harbor Savings a look
Purpose-locked, time-boxed. A rental grant still cannot emit a mortgage score.
file_accessed· 18 Aug 2026The lender pull writes itself
Disclosure and its audit record are the same transaction. A pull that is not logged cannot complete.
decision_recorded· 18 Aug 2026The decision lands on the same chain
Approved, denied, or priced — with the score and model the lender actually used. The look and the harm are one audit object.