Real-World Example
Jane reviews a notice and says the account is not hers. The portal should place the account under Disputed / Not Paying so the creditor can see the response and the consumer is not pushed into payment setup.
Visual Flow
How It Should Work
- It should let consumers report dispute or not-paying status when the flow allows it.
- It should stop normal payment prompts for the disputed account.
- It should preserve the consumer response for creditor review.
How It Should Not Work
- It should not continue to present the account as a standard payment opportunity.
- It should not lose the consumer explanation or notice response context.
- It should not apply the dispute to unrelated accounts.
Last modified on July 30, 2026
