I'm new to FCRA/FACT Act. In 15 USC 1681s-2 it talks about accounts that have been closed voluntarily by a consumer. Does 'closed voluntarily' mean that the account has been closed/paid off/balance brought to zero/etc. by the customer or when a customer surrenders any collateral and makes no more payments? I've looked for definitions in the rule but am having no luck with that specific point. Thanks for your input!