Epic Contributor
Posts: 22,505
Registered: ‎03-19-2007
Re: Most bizarre thing happened when I applied for a loan

If they dropped based on expiration of the credit report exclusion period, then the CRA has committed a rather serious violation of FCRA 605(a)(4) by including them in any credit report provided to others.

The CRA should fall all over themseleves to correct the mistake, whatever the basis.

I would couch any contact with them as a complaint of violation of the FCRA exclusion requirement, which is imposed directly on the CRAs.