The statutory exclusion period under FCRA 605(a)(3) is 7 years from date of payment of the lien.
There is no provision under the FCRA for exclusion of tax liens as of the date paid.
Shorter periods, however, may arise under either state exclusion statute or an early exclusion policy of the indvidual CRA.
The fact that one or two CRAs may exclude at a certain time, but the third may not, is not inconsistent with current practice.
What you need in order to obtain an exclusion prior to 7 years from date of payment of the lien is to cite some provision or policy that applies.
A few of those policies are briefly summarized as:
1. Vacature or total withdrawal of the lien from the public record from the posting government agency.
2. Citation of a state statute or reg that provides for a shortened period.
3. For federal tax liens, the IRS implemented a policy in 2011 that permits consumers, if the lien is paid in full, to submit a form requesting formal withdrawal of the federal tax lien (as opposed to only a showing of payment/release). Each of the big-3 CRAs have agreed and publicly announced they will accept the removal of any federal tax lien if the IRS has withdrawn under their policy.
4. CRA deletion at ten years from date the lien is filed, which is a CRA policy, and not a statutory exclusion.
5. Lack of verification of the lien that clearly associates it with the named consumer, such as their date of birth or SSN. This policy has been announced as being implemented by the CRAs beginning July 1, and is in response to pending litiation that challenged the verification process used by CRAs for public record information, and is being incorporated into their so-called "National Consumer Assistance Plan."
In your dispute, what authority/basis are you citing as requiring deletion/exclusion of the lien from your report?
Absent any such provision, the CRA is justified in not excluding until 7 years from date of payment.
