Verification of default records required before issuance; disputed portions must be recorded as disputed, balance authenticated. Information utilities must verify key evidentiary details - debtor e-mail, proof of debt document, latest debtor acknowledgment, and proof of default - before issuing a record of default in Form D. If a debtor disputes part or all of the default amount, the debtor must provide reasons and upload evidence; where a scheduled bank is the financial creditor, the information utility must record disputed amounts as 'disputed' upon verification and the balance as 'authenticated'.