She's asking because an optimized fico score requires an open installment loan. If you don't have any open loans, you take a scoring penalty.
To me it seems to be the verbage of early termination. Perhaps if they just removed that and reported it as paid off/satisfied etc. Then those points might rebound?
After all early temination of a Lease does have a certain negative connotation to it.
Truly fascinating... haven't heard of this before. Don't really have any suggestions other than continue to follow up with either the lender or the CRAs, but the good news is that if it really is just a verbiage or catigorization issue, that can be fixed. It might take some time and many phone calls, but it can be corrected fairly easily.