Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Charge-Off Reporting Credit Report Discrepancy [ Account Number or Reference Number ] Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of a charge-off on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, I am requesting an investigation into the following entry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my credit report, I have found that the charge-off listed for the account above is incorrect or incomplete in its reporting. I believe that the information regarding this account is either outdated, inaccurate, or has been incorrectly reported as a charge-off, which negatively impacts my creditworthiness. I request that the XXXX XXXX XXXX immediately investigate and verify the accuracy of this item, in accordance with Section 1681i of the FCRA, which mandates that information reported to credit bureaus be accurate and complete.

Reasons for Dispute : Inaccuracy of Account Status : [ Explain why the charge-off is inaccurate, such as if the account was paid, settled, or should not have been charged off. ] Incorrect Reporting of Payment History : [ If relevant, explain how payment history may have been incorrectly reported. ] Account Is Not Mine : [ If applicable, explain that the account is not yours or it was fraudulently opened. ] I request that, in accordance with the FCRA ( 15 U.S.C. 1681i ), you provide me with a written confirmation of the results of your investigation within 30 days from the date of this letter. If the investigation concludes that the charge-off is inaccurate or unverifiable, I request that it be permanently removed from my credit report. If the charge-off can not be verified or is found to be inaccurate, it must be deleted per FCRA guidelines .

Please provide me with the outcome of your investigation and a copy of my updated credit report reflecting any changes. Additionally, under Section 1681i ( b ), I request that you send me written verification of the action taken as a result of your investigation.

If you determine that the charge-off is accurately reported, please provide me with the supporting documentation to substantiate this claim.

Thank you for your attention to this matter. I look forward to receiving your response within the required timeframe.

Sincerely, [ Your Full Name ] [ Your Date of Birth ] [ Your Social Security Number ] ( optional, but may help identify the account