Product: Credit reporting, credit repair services, or other personal consumer reports

To : XXXX Collections Department Fr : Disheartened Military Mom I wish this letter comes under better circumstances however, I am very disappointed with the handling of my account by your total loss department. I spend every day of my life serving my country and my family was totally devastated XXXX of last year when my car was totaled. Thankfully, my husband and I purchased gap insurance and thought everything was covered. Imagine my surprise when we finally get ready to buy our dream home a few short months later and I find out that I had a charge off on my account from your company that caused my credit score to drop over 100 points! Of course, it had to be a mistake because I had a perfect pay history with you guys up until the accident and my gap insurance covered the balance. I immediately called your collections department and was advised that there was somehow {$260.00} owed on the account and that it was charged off on my credit report it is just over {$400.00}. How can that be, and even if that was the case, how was I not ever notified of this prior to charging off my account and damaging my credit for such a small amount. 
As stated, I am in the military. Not only does this run the risk of putting my family with our brand new baby on the street, It also puts my career that I worked so hard for at risk due to the fact that my credit is apart of my combat readiness and if it is not removed from my credit I can also loose my career, the way I serve my country and support my family. 
What is sad to me is that I am in and out for duty often and all you guys had all of my contact information and I have no record any missed calls or letters stating that there would be any adverse action taken. This is totally unacceptable. And now, thanks to you, I am 30 days from my lease being up, and about to lose the house and the career that we have worked so hard to get. This is unfair, deceptive, and ultimately abusive to handle your great customers like this!! A simple phone call to let me know would have gone along way! I already had to deal with losing my car and trying to figure out how to get back and forth to base and get my son to school and as if that wasnt enough, you guys just let the account sit and age and then charged me off with no consideration of what that would do to me or attempts to make it right. I have called several times to get assistance and everyone Ive talked to have been unhelpful and has flat out told me with no emotion that there is nothing they can do! 
All I asked is that this simply be removed from my credit history and for a letter saying that this in an oversight and has been taken care of and that mistakes happen. Which I can give to the VA to get get our home and also so I can keep my job. I hope this note gets in the right hands and someone can at least look at my history with your company and right this wrong. I would hate to have to look into getting an attorney for something that in my mind is an easy fix. Thank you for your consideration and hope to hear from you soon. 

Respectfully, XXXX XXXX If you have any questions my husband XXXX XXXX is authorized to speak on my behalf. Due to the fact that my schedule and availability are always changing. 
He can be reached at ( XXXX ) XXXX or ( XXXX ) XXXX Thank you in advance for your help!