I wanted to provide some insight for anyone having difficulty getting deletions from the credit bureaus. Please read the FCRA (15 USC 1681). This federal act outlines the credit bureaus' responsibilities when a consumer identifies an account that is incomplete or inaccurate. If this act is violated, you can sue for statutory damages and actual damages which could lead to possible deletions like me and Smitty. If anyone is serious about this, we can form a study group to read and discuss the FCRA.