ReviewsREV-026
Read-only synthetic sample
Read-only synthetic sample · No real applicant data

FINDING · AA-009

Reason provenance inconsistent in original notice

Stable evidence, challenge and retest links.

ClosedModerate materialityMaya Chen

Observation

Original notice cites credit history, which is absent from the supplied principal-factor record. Corrected mapping replay is supported by the same record; production deployment has not been assessed.

!
Interpretation boundary

The original notice remains inconsistent. Closed refers to the corrected synthetic sandbox replay, not deployed notices or legal compliance.

Evidence chain

Object chronology

Finding opened · AA-009Maya Chen · Finding

Original reason contradicts the supplied principal-factor record.

Inspect previous and new state
{
  "before": null,
  "after": {
    "status": "Open",
    "evidence": [
      "EV-002",
      "EV-003"
    ]
  }
}
Challenge created · CH-019Maya Chen · Challenge

Request supporting evidence

Inspect previous and new state
{
  "before": null,
  "after": {
    "originId": "AA-009",
    "question": "Reconcile notice reason M-17 with the supplied principal factors."
  }
}
Model-owner response received · CH-019Daniel Ortiz · Challenge

M-17 incorrectly mapped utilization to credit-history wording. MAP-3.5-TEST maps utilization to the corresponding stated factor. The original notice remains preserved. Replay only, not a production release.

Inspect previous and new state
{
  "before": {
    "status": "Awaiting response"
  },
  "after": {
    "status": "Response received",
    "responseId": "RESP-019-1",
    "artifactIds": [
      "EV-003",
      "EV-014"
    ]
  }
}
Replay submitted for independent review · AA-009Maya Chen · Finding

Corrected mapper replay supplied; independent review still required.

Inspect previous and new state
{
  "before": {
    "status": "Open"
  },
  "after": {
    "status": "Retest required",
    "retestId": "RT-009"
  }
}
Response disposition recorded · CH-019Ellis Morgan · Challenge

Compared original notice, principal factors and corrected replay. Both replay reasons are supported. Closure scope is the synthetic mapping defect only.

Inspect previous and new state
{
  "before": {
    "status": "Response received"
  },
  "after": {
    "status": "Supported",
    "responseId": "RESP-019-1"
  }
}
Finding closed · AA-009Ellis Morgan · Finding

EV-014 replay is supported. Closure limited to sandbox mapping; no production remediation claim.

Inspect previous and new state
{
  "before": {
    "status": "Retest required"
  },
  "after": {
    "status": "Closed",
    "retestId": "RT-009"
  }
}
Illustrative synthetic data · Northstar Community Bank is fictionalLocal mutable records · no production access controls