Records · Verification table
Cybercrime Do page: verification of the "What happens after" section, 6 November 2026
The working record behind the pages, published as written. Source file source/verify/cybercrime-after-2026-11-06.md. All records.
Scope. Every factual sentence in the new <h2 id="after">What happens after</h2> section of content/cybercrime-do.html and its six new source entries (s32 to s37). Nothing else on the page was changed. The section answers ROUTINE.md field 4: what the reader will and won't hear back after reporting to the FTC and the FBI, after IdentityTheft.gov, after calling the bank's fraud line, after a credit freeze, and after the Elder Fraud Hotline.
Method. Every source was fetched on 2026-11-06 between 10:49 and 10:52 EST (ls -l times of the saved files; date read 10:49:35 at the start and 10:54:08 after). Default: curl with a browser user agent, HTML stripped to text. Pages that render with JavaScript or refuse curl were loaded in headless Chrome with [local working file] (return document.body.innerText). No sentence rests on a search snippet, on memory, or on an earlier run's quote. Quotes below are copied from the fetched text; curly apostrophes are as the source served them.
Verdicts. CONFIRMED: the source's words support the sentence as written. CONFIRMED (paraphrase): the sentence restates the source in plainer words; the row says what was shortened. BLOCKED: 403 or a bot wall. Grades use the site's scale (content/about.html).
Fetch log (all 2026-11-06, EST)
| Source | How | Result | |
|---|---|---|---|
| https://reportfraud.ftc.gov/ | curl 10:49; headless Chrome 10:50 | curl 200 but a 5 KB script shell; Chrome: full text | |
| https://reportfraud.ftc.gov/faq | headless Chrome, 10:50 | full text, 466 lines | |
| https://www.ic3.gov/Home/FAQ | curl, 10:49 | 200 (https://www.ic3.gov/FAQ is 404) | |
| https://www.identitytheft.gov/ | curl 10:49; headless Chrome 10:50 | curl: script shell; Chrome: full text | |
| https://www.identitytheft.gov/Steps | headless Chrome, 10:50 | full text | |
| https://www.identitytheft.gov/Know-Your-Rights | headless Chrome, 10:50 | full text | |
| https://www.consumerfinance.gov/rules-policy/regulations/1005/11/ | curl, 10:49 | 200 | |
| https://www.consumerfinance.gov/rules-policy/regulations/1005/6/ | curl, 10:49 | 200 | |
| https://www.ecfr.gov/current/title-12/chapter-X/part-1005/subpart-A/section-1005.3 | curl, 10:49 | 200; "Displaying title 12, up to date as of 11/04/2026. Title 12 was last amended 11/04/2026." | |
| https://www.consumerfinance.gov/ask-cfpb/what-is-a-credit-freeze-or-security-freeze-on-my-credit-report-en-1341/ | curl, 10:51 | 200; "last reviewed: SEP 05, 2025" | |
| https://www.law.cornell.edu/uscode/text/15/1681c-1 | curl, 10:51 | 200 (LII's copy of the statute; origin check against uscode.house.gov failed, 404 on both URL forms tried) | |
| https://www.equifax.com/personal/credit-report-services/credit-freeze/ | curl, 10:51 | 200 | |
| https://www.experian.com/freeze/center.html | curl, 10:51 | 200 | |
| https://www.transunion.com/credit-freeze | curl 10:51; headless Chrome 10:52 | BLOCKED: curl 403; Chrome "Attention Required! \ | Cloudflare … Sorry, you have been blocked" |
| https://consumer.ftc.gov/articles/what-know-about-credit-freezes-and-fraud-alerts | curl 10:49; headless Chrome 10:51 | BLOCKED: curl 404; Chrome "The request resembles an abusive automated request." Not needed: the CFPB page and the statute carry the freeze rules. | |
| https://consumer.ftc.gov/articles/what-do-if-you-were-scammed | headless Chrome, 10:51 | BLOCKED (same message). Not needed: the ReportFraud FAQ carries the wire line. | |
| https://ovc.ojp.gov/program/stop-elder-fraud/providing-help-restoring-hope | curl, 10:49 | 200 | |
| https://ovc.ojp.gov/program/stop-elder-fraud/faqs | curl, 10:49 | 200; "Date Created: March 18, 2021" |
Working files are in the session scratchpad, [local working file], not kept in the repo.
Claims
Bank fraud line (Regulation E)
| # | Page says | Source | Fetch | Source says (verbatim) | Verdict | Grade |
|---|---|---|---|---|---|---|
| R1 | "After you call your bank's fraud line about an electronic transfer you didn't make, it has 10 business days to investigate." | CFPB §1005.11(c)(1) | 200 | "A financial institution shall investigate promptly and, except as otherwise provided in this paragraph (c), shall determine whether an error occurred within 10 business days of receiving a notice of error." | CONFIRMED (an unauthorized EFT is an "error" under §1005.11(a)) | primary |
| R2 | "It can take up to 45 days if it puts the money back in your account, provisionally, within those 10 days." | CFPB §1005.11(c)(2) | 200 | "If the financial institution is unable to complete its investigation within 10 business days, the institution may take up to 45 days from receipt of a notice of error to investigate … provided the institution does the following: … Provisionally credits the consumer's account in the amount of the alleged error (including interest where applicable) within 10 business days of receiving the error notice." | CONFIRMED | primary |
| R3 | "Some cases get longer, such as debit-card purchases and new accounts." | CFPB §1005.11(c)(3) | 200 | "The applicable time is 20 business days in place of 10 business days … if the notice of error involves an electronic fund transfer to or from the account within 30 days after the first deposit to the account was made." "The applicable time is 90 days in place of 45 days … if a notice of error involves an electronic fund transfer that: (A) Was not initiated within a state; (B) Resulted from a point-of-sale debit card transaction; or (C) Occurred within 30 days after the first deposit to the account was made." | CONFIRMED (paraphrase; the out-of-state case is left out) | primary |
| R4 | "It may ask you to confirm in writing within 10 business days of your call; if you don't, it needn't put the money back while it looks." | CFPB §1005.11(b)(2), (c)(2)(i)(A) | 200 | "A financial institution may require the consumer to give written confirmation of an error within 10 business days of an oral notice." "An institution need not provisionally credit the consumer's account if: … The institution requires but does not receive written confirmation within 10 business days of an oral notice of error" | CONFIRMED | primary |
| R5 | "It sends the result within three business days of finishing, with a written explanation, and you can ask for the documents it used." | CFPB §1005.11(c)(1), (d)(1) | 200 | "The institution shall report the results to the consumer within three business days after completing its investigation." "The institution's report of the results of its investigation shall include a written explanation of the institution's findings and shall note the consumer's right to request the documents that the institution relied on in making its determination." | CONFIRMED | primary |
| R6 | "Report any transfer you didn't make within 60 days of the statement that shows it, or you can be liable for later ones." (s29) | CFPB §1005.6(b)(3) | 200 | "A consumer must report an unauthorized electronic fund transfer that appears on a periodic statement within 60 days of the financial institution's transmittal of the statement to avoid liability for subsequent transfers." | CONFIRMED | primary |
| R7 | "A wire may not be covered. The rules exclude transfers through Fedwire or a similar wire system." | eCFR 12 CFR 1005.3(c)(3) | 200, up to date as of 11/04/2026 | "(c) Exclusions from coverage. The term "electronic fund transfer" does not include: … (3) Wire or other similar transfers. Any transfer of funds through Fedwire or through a similar wire transfer system that is used primarily for transfers between financial institutions or between businesses." | CONFIRMED (paraphrase; "used primarily for transfers between financial institutions or between businesses" is dropped, and the heading says "may not" because the remittance-transfer rules in subpart B were not read this run) | primary |
| R8 | "Ask the bank to reverse it anyway. The FTC says that's unlikely to work, and that you should still ask." (s32) | ReportFraud FAQ, "Getting my money back" | Chrome | "Contact the bank or company that did the wire transfer right away. … Ask for the wire transfer to be reversed. It's unlikely to happen, but it's important to ask." | CONFIRMED | primary |
ReportFraud.ftc.gov (s32)
| # | Page says | Source | Fetch | Source says (verbatim) | Verdict | Grade |
|---|---|---|---|---|---|---|
| F1 | "your report goes into a database open to over 2,000 law enforcement partners." | ReportFraud FAQ, "What happens to my report?" | Chrome | "Your report goes into the FTC's Consumer Sentinel database, which is available to federal, state, and local law enforcement across the country." "But the FTC also makes reports available to over 2,000 law enforcement partners." Home page: "Your report is shared with over 2,000 law enforcers." | CONFIRMED | primary |
| F2 | "The FTC uses reports to bring cases." | same | Chrome | "The FTC uses reports like yours to investigate and bring cases against fraud, scams, and bad business practices." | CONFIRMED | primary |
| F3 | "It can't resolve yours, answer it or give you updates." | FAQ, "What happens to my report?", "Will I hear back…?", "Can I find out what's happened with my report?" | Chrome | "The FTC can't resolve reports on behalf of individuals." "The FTC is not able to respond to each report individually, and it can't take action on behalf of individual consumers." "The FTC can't give updates on reports that have been filed or respond to each report individually." | CONFIRMED | primary |
| F4 | "You get next steps on screen, and by email if you give an address." | FAQ, "Will I hear back from the FTC?" | Chrome | "When you submit your report, we'll offer you next steps you can take to protect yourself or recover from fraud. If you include your email address in your report, we'll also send you an email with these steps." | CONFIRMED | primary |
| F5 | "Save or print the report before you leave the page: you can't get a copy later." | FAQ, "Can I get a copy of my report or report number?" | Chrome | "When you submit your report, you'll have the chance to print or save a copy. … If you leave the page without printing or saving, you won't be able to get a copy of your report." "you'll get an email with your report number and next steps to take, but the email won't include the report itself." | CONFIRMED | primary |
| F6 | "Typically nobody calls; if the FTC does, the caller will have your report number." | FAQ, "Will the FTC call me?" | Chrome | "Typically, no. If the FTC ever does call you about a report you filed, the person calling will have the reference number you were given for your report when you submitted it." | CONFIRMED | primary |
| F7 | "If an FTC case gets money back, the FTC tries to contact the people who lost it." | FAQ, "Can I find out what's happened with my report?" | Chrome | "If the FTC files an enforcement action and gets money back for people, the agency will try to contact those who lost money." | CONFIRMED | primary |
ic3.gov (s33)
| # | Page says | Source | Fetch | Source says (verbatim) | Verdict | Grade |
|---|---|---|---|---|---|---|
| I1 | "an analyst reviews it and may pass it to law enforcement." | IC3 FAQ, "After A Complaint Is Filed" | 200 | "After you file a complaint with the IC3, the information is reviewed by an analyst and forwarded to law enforcement and partner agencies as appropriate." | CONFIRMED ("as appropriate" → "may") | primary |
| I2 | "You won't hear from the IC3: it doesn't investigate and can't tell you a status." | same | 200 | "You will not hear from the IC3. The IC3 does not conduct investigations and, therefore, is not able to provide the investigative status of a previously filed complaint." | CONFIRMED | primary |
| I3 | "The FBI says it will contact you if it needs more information." | same | 200 | "Due to the volume of complaints received, the FBI is unable to respond to every complaint. Please be assured that your complaint will be reviewed, and you will be contacted if additional information is needed." | CONFIRMED | primary |
| I4 | "Save or print the complaint when you submit it; it isn't emailed." | same | 200 | "Please save or print a copy of your report before closing this window or navigating away from this page. This is the only time you will be able to retain a copy of your complaint — we will not email or send an electronic version of this file." | CONFIRMED | primary |
| I5 | "Keep your evidence, because an agency that opens a case may ask you for it." | IC3 FAQ, "Related Evidence" | 200 | "you must be sure to keep all original documents in a secure location. If an agency opens an investigation, they may request the information directly from you." | CONFIRMED | primary |
| I6 | "To add something, file a new complaint that says so." | IC3 FAQ | 200 | "Please file a new complaint, stating that you are filing a new complaint because you have additional information to your previous complaint." | CONFIRMED | primary |
IdentityTheft.gov (s34)
| # | Page says | Source | Fetch | Source says (verbatim) | Verdict | Grade |
|---|---|---|---|---|---|---|
| D1 | "you get an FTC Identity Theft Report and a recovery plan." | /Steps, step 3 | Chrome | "Based on the information you enter, IdentityTheft.gov will create your Identity Theft Report and recovery plan." | CONFIRMED | primary |
| D2 | "The report proves to businesses that someone stole your identity." | /Steps; /Know-Your-Rights | Chrome | "Your identity theft report proves to businesses that someone stole your identity. It also guarantees you certain rights." "Your FTC Identity Theft Report helps prove to businesses that someone stole your identity" | CONFIRMED | primary |
| D3 | "With it you can place a seven-year fraud alert and have fraudulent information blocked from your credit report." | /Know-Your-Rights | Chrome | "Place a seven-year extended fraud alert on your credit report. To do this, send a copy of your FTC Identity Theft Report to each credit bureau." "Get credit bureaus to remove fraudulent information from your credit report. This is called blocking. You must send them a copy of your FTC Identity Theft Report, proof of your identity, and a letter stating which information is fraudulent." | CONFIRMED | primary |
| D4 | "With an account, the site walks you through each step and pre-fills forms and letters." | /Steps; home page | Chrome | "If you create an account, we'll walk you through each recovery step, update your plan as needed, track your progress, and pre-fill forms and letters for you." | CONFIRMED | primary |
| D5 | "Without one, print the report and plan at once: they're gone when you leave the page." | /Steps | Chrome | "If you don't create an account, you must print and save your Identity Theft Report and recovery plan right away. Once you leave the page, you won't be able to access or update them." | CONFIRMED | primary |
Credit freeze (s36)
| # | Page says | Source | Fetch | Source says (verbatim) | Verdict | Grade |
|---|---|---|---|---|---|---|
| C1 | "each bureau must send you written confirmation within five business days and tell you how to lift it." | CFPB ask page; 15 U.S.C. §1681c-1(i)(2)(B) (LII) | 200 / 200 | CFPB: "A nationwide credit reporting company must send you a written confirmation of the security freeze no later than five business days after the security freeze is placed. They must also tell you how to remove the security freeze." Statute: "Not later than 5 business days after placing a security freeze under subparagraph (A), a consumer reporting agency shall— (i) send confirmation of the placement to the consumer; and (ii) inform the consumer of— (I) the process by which the consumer may remove the security freeze, including a mechanism to authenticate the consumer" | CONFIRMED ("written" is the CFPB's word; the statute says "confirmation") | primary |
| C2 | "The freeze stays until you ask." | statute §1681c-1(i)(3)(C); Experian | 200 | "Except as provided in subparagraph (A)(ii), a security freeze shall remain in place until the consumer directly requests that the security freeze be removed." Experian: "A security freeze will remain on your credit file until you remove it." | CONFIRMED (the exception, a freeze placed by "material misrepresentation of fact by the consumer", is left out) | primary |
| C3 | "Lifting is free: within an hour online or by phone, three business days by mail" | CFPB ask page; statute §1681c-1(i)(3)(C) | 200 | CFPB: "Upon your request, the security freeze can be removed free of charge no later than: One hour after receiving the request by toll-free telephone or secure electronic means; Three business days after receiving the request by mail". Statute: "(i) in the case of a request that is by toll-free telephone or secure electronic means, 1 hour after receiving the request for removal; or (ii) in the case of a request that is by mail, 3 business days after receiving the request for removal." | CONFIRMED | primary |
| C4 | "and you can lift it for dates you choose." | CFPB ask page; statute §1681c-1(i)(3)(E) | 200 | CFPB: "You also have the option to lift the freeze temporarily for a period of time specified by you, free of charge. The same time periods above apply to a temporary removal of your security freeze." | CONFIRMED | primary |
| C5 | "Experian runs it from a free account with no PIN and can email you when it changes." | Experian freeze center | 200 | "You no longer need a PIN to manage your credit freeze with Experian. All you need is a free Experian account to manage your freeze." "Every time you place a freeze, remove a freeze, schedule a thaw or cancel a scheduled unfreeze, you will be alerted of updates … Alerts can be sent via email." | CONFIRMED | Experian's own page (primary) |
| C6 | "Equifax uses your myEquifax login online, or by phone a one-time PIN by text." | Equifax freeze page | 200 | "At Equifax, you can manage your freeze online with your username and password after creating a myEquifax account. You can also manage your freeze by phone: call us at (888) 298-0045. You'll be required to give certain information to verify your identity. You'll also have the option to receive a one-time PIN by text message or answer questions based on information in your Equifax credit report for identity verification." | CONFIRMED (paraphrase; the knowledge-questions option is left out) | Equifax's own page (primary) |
| C7 | s36: "TransUnion's page blocked our read, so this says nothing about how TransUnion lifts a freeze." | transunion.com/credit-freeze | BLOCKED | curl 403; headless Chrome: "Sorry, you have been blocked … Performance & security by Cloudflare" | BLOCKED (labelled unread on the page) | unread |
Elder Fraud Hotline (s27, s37)
| # | Page says | Source | Fetch | Source says (verbatim) | Verdict | Grade |
|---|---|---|---|---|---|---|
| E1 | "they get a case manager who stays their contact." (s27) | OVC providing-help-restoring-hope | 200 | "What to expect when you call. … You will be assigned a case manager, who will remain your point of contact." | CONFIRMED | primary |
| E2 | "The case manager helps report the fraud to the right agencies" | OVC FAQs | 200 | "Case managers assist callers with reporting the suspected fraud to relevant agencies and by providing resources and referrals to other appropriate services as needed." Main page: "You will reach a case manager who will help you through the reporting process at the federal, state, and local levels." | CONFIRMED | primary |
| E3 | "and can help you fill in the IC3 and FTC forms for them." | OVC FAQs | 200 | "My [grandparent/neighbor/older friend] was defrauded but is unable to speak. Can I help them through this process? Yes. … Our case managers can also assist you with filling out IC3/FTC complaint forms on behalf of your [loved one, neighbor, etc.]." | CONFIRMED | primary |
| E4 | "The hotline doesn't investigate and can't promise the money back." | OVC FAQs | 200 | "No, the Elder Fraud Hotline does not investigate incidents of financial crimes." "The Hotline cannot guarantee that a caller will get their money back." | CONFIRMED | primary |
| E5 | "It won't share the case without consent, but its staff may have to report suspected abuse or immediate danger." | OVC FAQs | 200 | "We collect limited personal information and will not share or distribute your personal information or the details of your case with anyone without your consent. Hotline staff are mandatory reporters, so if certain abuses or immediate safety risks are suspected, staff may be required to report to the necessary agencies." | CONFIRMED | primary |
| E6 | "Callers can stay anonymous." | OVC FAQs | 200 | "Yes, any caller can remain anonymous; however, if you are comfortable providing your basic contact information, it can help us identify local resources and assist with reporting as needed." | CONFIRMED | primary |
Source entries
| # | Entry | Check | Verdict |
|---|---|---|---|
| S32 | FTC ReportFraud FAQs, sections "After I file a report" and "Getting my money back" | both headings present in the Chrome text | CONFIRMED |
| S33 | IC3 FAQ, "After a complaint is filed" | heading "After A Complaint Is Filed" present | CONFIRMED |
| S34 | IdentityTheft.gov Steps and Know Your Rights | both read | CONFIRMED |
| S35 | CFPB §1005.11; eCFR 1005.3(c)(3), "up to date as of 4 Nov 2026" | eCFR banner: "up to date as of 11/04/2026" | CONFIRMED |
| S36 | CFPB ask page "last reviewed 5 September 2025"; LII statute; Equifax; Experian; TransUnion blocked | CFPB: "last reviewed: SEP 05, 2025" | CONFIRMED |
| S37 | OVC FAQs, "page created 18 March 2021" | "Date Created: March 18, 2021" | CONFIRMED |
Counts
45 rows: 39 claim rows (R1–R8, F1–F7, I1–I6, D1–D5, C1–C7, E1–E6) and 6 source-entry rows. Claims: 38 CONFIRMED, of which 4 are paraphrases with something left out (R3, R7, C2, C6); 1 BLOCKED (C7, TransUnion, labelled unread on the page). No verdict is CORRECTED: eight draft wordings were tightened against the quotes before this table was written: "of deciding" → "of finishing" (R5), "A wire is different" → "A wire may not be covered" (R7), "and still worth asking" → "and that you should still ask" (R8), "contacts you only if it needs more" → "says it will contact you if it needs more information" (I3), "fraudulent debts" → "fraudulent information" (D3), "emails you" → "can email you" and "one-time code" → "one-time PIN by text" (C5, C6), "staff must report" → "staff may have to report" (E5). Source entries: 6 CONFIRMED. Fetches: 18 URLs tried, 15 read; 3 BLOCKED (TransUnion and two consumer.ftc.gov articles; only TransUnion would have carried a sentence); 0 UNREACHABLE; 0 UNFETCHABLE.
Left out, and why
- Remittance transfers (Regulation E subpart B, international transfers sent by consumers) have their own error rights. Not read this run, so the wire line says "may not be covered" rather than "isn't covered".
- TransUnion's freeze and lift steps: blocked, so not described.
- The $50 withholding on provisional credit (§1005.11(c)(2)(i)) and the 20/90-day extensions' exact conditions: read, kept off the page for length.
- Staleness: Regulation E and the FCRA freeze rules change only by rulemaking or statute; the FTC, IC3, IdentityTheft.gov and bureau pages can change without notice. Re-read at the next cybercrime rotation.
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