The credit report exclusion provisions of FCRA 605(a) prohibit the CRAs from normally issuing a credit report to others that includes any adverse item of information that has passed its exclusion period, unless the person requesting the report certifies that the purpose of their request meets one of the exemption provisions of section 605(b), such as when a consumer applies for credit or insurance with a principal value of at least $150K. Then they can get a full facutal report.
When a consumer makes a request for their own credit report, nothing in the CR exclusion provisions prevent the CRA from including such adverse information.
Since reports obtained thru annualcreditreport.com are limited only to consumers obtaining their own reports, nothing would prevent the CRA from including such information in those reports.
While it is possible that reports a consumer pulls thru that site could legally include all factual adverse iitems in their file, I kinda doubt that the CRAs maintain separate algorithms for generating reports requested via that consumer site. It would be interesting to inow from consumers who have excluded information whether it appears in their annualcreditreport.com pulls, but I kinda doubt it.
To get such a report, however, would still be possible. FCRA 609(a)(1) stipulates that "Every consumer reporting agency shall, upon request, and subject to the considetions of section 610(a)(1), clearly and accurately disclose to the consumer all information in the consumer's credit file at the time of the request...."
That would incude information excluded from normal credit reports issued to others, which still remains in the consumer's credit file.
Requests under section 609(a)(1) must be accompanied by proof of identity, and the CRA processing fee, which is currrently $11.00.
Try a section 609(a)(1) request.
