Product: Debt collection

Dispute of Inaccurate Payment History and Request for Removal on Account with XXXX ( Account Number : XXXX ) To Whom It May Concern, I am writing to formally dispute the information that has been reported on my credit file concerning the account with XXXX. The account details are as follows : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Closed Status Updated : XX/XX/XXXX Account Type : Open Account Status : Payment After Charge Off / Collection Balance : {$0.00} Balance Updated : XX/XX/XXXX Original Balance : {$0.00} Past Due Amount : {$0.00} I am disputing the accuracy of this account 's payment history and would like to formally request its removal from my credit report due to the following reasons : Unknown Payment History : The reported payment history on this account is listed as " Payment After Charge Off / Collection, '' which is factually incorrect. I have no knowledge of any payments being made after the account was reportedly charged off or sent to collections. 

Inconsistent Status : The account is reported as " Closed, '' but the status is listed as " Payment After Charge Off / Collection. '' These statuses are contradictory and raise concerns about the accuracy of the reporting. 

Lack of Clarity : The information provided lacks clarity and proper documentation, making it difficult for me to validate the accuracy of the reported account status and history. 

Balance Showing {$0.00} : The balance is listed as {$0.00}, indicating that there is no outstanding debt associated with this account. Therefore, the reported status as " Payment After Charge Off / Collection '' is contradictory and misleading.

Given the discrepancies and lack of substantiated information, I kindly request that this account be thoroughly investigated and subsequently removed from my credit report. I am seeking resolution in the form of accurate reporting or the removal of this account due to the absence of any outstanding balance.

I kindly request that you provide me with the following : Clarification of Payment History : Please provide a detailed breakdown of the payment history for this account, including any payments made after the charge off or during the collection process. 

Documentation of Payments : If any payments have been reported on this account, please provide evidence of these payments, including dates and amounts. 

Verification of Charge Off : If the account was indeed charged off, please provide documentation that supports the validity of this action. 

Proof of Collection : If the account was sent to collections, please provide documentation that verifies the collection process and any actions taken.

I am committed to resolving this matter and ensuring the accuracy of my credit report. Your prompt attention to this dispute and provision of the requested information is greatly appreciated. Please consider this letter as an official request for verification under the provisions of the Fair Credit Reporting Act ( FCRA ) Section 609. 

I look forward to a timely resolution of this dispute and the subsequent correction or removal of any inaccuracies on my credit report. Please provide all correspondence in writing to the address associated with this account. 

Thank you for your cooperation.