Civil liability for violations of the FCRA are defined under FCRA 616-620, and include damages and possible legal fees.
Deletion of credit reporting is not, per se, a required penalty.
A judge could always include credit reporting as a required verdict, but unless the finding includes one of the reasons for deletion set forth under the FCRA, it is not normal.
"Illegal reporting" is set forth under FCRA 623(a)(1)(a) as being reporting done with actual knowledge that it is erroneous.
However, the normal provisions for liability for violation of the FCRA are explicitly excluded if the violation is under section 623(a).
See FCRA 623(c).
Which begs the question as to how an asserted violation of FCRA 623(a) can be the cause of private civil action in your suit.
It is unclear as to how they can have any liability, let alone one of credit report deletion.
Mandatory credit report deletion is reserved under the FCRA if a dispute is filed and the disputed information cannot either be verified as to its accuracy, or corrected so as to overcome the established inaccuracy.
Private civil liability is then possible, but only as to a private civil action asserting lack of reasonable investigation of your dispute, not for having reported inaccurate information per se.
See FCRA 623(c).
What is the specific cause of action that is asserted in the civil action?
