CFPB now or wait for SOL to expire?

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I have a MCM TL that was deleted by disputing the debt with the 3 CRA's, filing complaints with the FTC and my states AG. I will be applying for a FHA loan soon. I feel that when mortgage inquires hit my CR's, the deleted TL will pop back up. It has come to my attention that I should file a complaint with CFPB. The SOL on this TL will be up in a few months. Should I file my CFPB complaint now or wait until the SOL expires? My complaint is based on cramming and early termination fees that were added despite the contract being up and my request to cancel the account. I am in the process of receiving a slight refund from the OC. However, the OC did not take in to account the other fees that added up due to their cramming charges. Please advise. Thank you for any help or suggestions.

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