FYI/Update:
The collection item was removed from my friend/SO's EX report on 7.14.17.
The DOFD was 2/11/11 and both TU and EX stated it was scheduled to be removed on 11/17 when the collection was reported.
The other posters brought up a good point that the deletion from the TU report could have been a result of the collection that was either sent back to the originator or resold. Although we are not 100% sure, we think the deletions are a result of National Consumer Assistance Plan guidelines. Reasoning being that if it was sent back or resold, the original collection would have been deleted from all three CRAs at around the same time period and reappeared with notices sent by now. Also, the DOFD was 2/11/11 and past our state's SOL.
American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 5.23, EX: 812 / EQ: 825 / TU: 815
