Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXXXXXX Department XXXX XXXX XXXX XXXX XXXX XXXX Subject : DEMAND FOR REMOVAL OF INACCURATE CHARGE-OFF REPORTING FINAL NOTICE Account in Dispute : MACYS/XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the inaccurate and unverifiable reporting of the MACYS/XXXX account on my XXXX credit report. The information listed is incorrect and must be immediately removed in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable federal laws. 
Legal Basis for XXXX Removal : XXXX. 15 U.S.C. 1681i Reinvestigation of Disputed Information You are legally required to conduct a full reinvestigation of this account. 

If the information can not be fully verified with original source documentation, it must be deleted immediately from my credit report. 
XXXX. 15 U.S.C. 1681s-2 Responsibilities of XXXX XXXX XXXX MACYS/XXXX XXXX XXXX obligated to ensure all information provided is accurate, complete, and verifiable. 

If the creditor can not produce a legally binding contract with my wet-ink signature proving I agreed to this debt, the account must be deleted. 
XXXX. 
balance. 
15 U.S.C. 1666b Timely Resolution of Billing Disputes This account includes incorrect information related to a charge-off and past due Any errors in billing or reporting must be corrected or deleted immediately. 
XXXX. XXXX XXXX. XXXX XXXX Cancellation of Debt If this debt was charged off, MACYS/XXXX  XXXX have issued a Form XXXX for cancellation of debt and claimed a tax write-off. 

If the creditor has reported this charge-off for tax purposes, it is no longer a collectible debt and must be removed from my credit report. 
XXXX. FCRA 15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Requirement required to delete it. 
If XXXX can not fully substantiate the accuracy of this account, it is legally My Demand : credit report. 
I demand the immediate deletion of this charge-off account from my XXXX I require a written confirmation from XXXX  within XXXX days stating that this account has been permanently removed. 

If XXXX fails to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and take legal action for willful noncompliance. 
Demand for Compensation for Damages Due to XXXX failure to comply with federal law, I have suffered financial and reputational harm, including : Denial of credit and financial opportunities Higher interest rates due to a lower XXXX XXXX Emotional distress and time lost disputing this inaccurate information Pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o, I am legally entitled to damages for XXXX willful and negligent noncompliance with the FCRA. I demand financial compensation in the amount of {$5000.00} for the harm caused by XXXX inaccurate reporting and failure to remove this item in a timely manner. 
Final Warning : This is my final notice before I take legal action against XXXX for failure to comply with federal credit laws. I expect immediate resolution. Please provide your response in writing to the address listed above. 
Sincerely, XXXX XXXX XXXX XXXX XXXX