Two distinct animals of credit report removal. Credit file deletions, and credit report exclusions.
When a furnisher has provided adverse information that has aged past its credit report exclusion period, such as a collection with a DOFD of more than 7 yrs/180 days prior, the information is not deleted from the consumer's credit file. The CRA is prohibited from including that information in normal credit reports they issue after that date.
That exclusion is not absolute, as section 605(b) provides an exemption of all of the credit report exclusion periods in limited situations. Thus, the CRA retains the info until they choose to purge their files, such as after 10 years from account closure.
Many consumers erroneously believe that exclusion based on section 605(a) results in deletion of the information from their credit file.
However, when a furnisher reports a deletion to the CRAs of prior reporting, it is what it says. Deleted. After deletion, it is gone, and thus cannot be included in subsequent credit reports.
