In multi-turn conversational AI, individually innocuous personally identifiable information (PII) fragments disclosed across successive turns can accumulate into a re-identification risk that no single utterance reveals on its own. Existing PII detectors operate on isolated utterances and therefore cannot track this cross-turn evidence build-up. We propose a stateful middleware guardrail whose core design principle is speaker-attributed entity isolation: every extracted PII fragment is classified by its originating conversational participant (first-person USER vs. incidentally mentioned third parties), and evidence is accumulated in entity-isolated subgraphs that structurally prevent cross-entity contamination. A three-tier extraction pipeline (Tier-0 deterministic regex; Tier-1 Presidio/spaCy NER with zero-shot NER independent verification; Tier-2 independent zero-shot NER; plus rule-based post-processing) refines noisy NER candidates, and an evidence-gated Commit Gate writes only corroborated cues to entity state, firing a re-identification onset signal tpred at the earliest turn where combination-based onset rules grounded in the re-identification uniqueness literature are satisfied. On a 184-record template-synthetic evaluation corpus, the system achieves OW@5= 70.7% with MAE= 2.442 turns, reducing naïve accumulation MAE by 56% (BL2 MAE= 5.522). We confirm structural robustness on a 300-record mutation stress set and sanity-check RULE_B generalization on the ABCD external corpus (OW@0= 97.1%, MAE= 0.011). The pipeline requires no modification to the underlying conversational model and serves as a drop-in runtime guardrail for existing dialogue systems.