If there is even one single thing wrong with how AFNI is reporting, put together a well written ITS letter.  They will remove it.  They just blasted me with an OOOLLD cable bill long past SOL, address wrong, the whole thing.  Took me a coupla months, but it's off my reports and I even got an "I'm sorry" letter.  I've also had another AFNI deletion early last year.  IMO, they are the easiest to work with.