Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx, XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Dispute of Charge-Off Accounts Reported on My Credit Report Dear Experian, I am writing to formally dispute the accuracy of several charge-off accounts reported on my credit file. According to my rights under the Fair Credit Reporting Act ( FCRA ), I request a thorough investigation and verification of the accounts listed below. 

Accounts in Question : Creditor Name : Applied Bank Account Number : XXXX Charge-Off Amount : [ {$690.00} ] Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Charge-Off Amount : [ {$0.00} ] Creditor Name : XXXX  XXXX Account Number : XXXX Charged-Off Amount : [ {$990.00} ] Creditor Name : XXXX XXXX  Account Number : XXXX Charged-Off Amount : [ {$1200.00} ] Creditor Name : XXXX Account Number : XXXX Charged-Off Amount : [ {$8500.00} ] Creditor Name : XXXX XXXX XXXX Account Number : XXXX Charged-Off Amount : [ {$340.00} ] Creditor Name XXXX XXXX XXXX XXXX Account Number : XXXX Charged-Off Amount : [ {$58.00} ] Creditor Name : XXXX XXXX  XXXX Account Number : XXXX Charged-Off Amount : [ {$330.00} ] Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Charged-Off Amount : [ {$630.00} ] Creditor Name : XXXX XXXX Account Number : XXXX Charged-Off Amount : [ {$830.00} ] Creditor Name : XXXX XXXX XXXX Account Number : XXXX Charged-Off Amount : [ {$270.00} ] which is conjunction with XXXX  XXXX for XXXX charged off what your reference is above same account number different amounts, please delete. 

Creditor Name : XXXX XXXX XXXX Account Number : XXXX Charged-Off Amount : [ {$1900.00} ] Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Charged-Off Amount : [ {$720.00} ] Creditor Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX : [ {$720.00} ] Creditor Name : XXXX XXXX XXXX Account XXXX Charged-Off Amount : [ {$270.00} XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Charged-Off Amount : [ {$7400.00} ] Discrepancies and Grounds for Dispute : Charge-Off Reporting : IRS Publication 525 explains that debts canceled or charged off must be reported as taxable income only if the creditor issues a 1099-C form. Please verify whether the creditor filed this form and whether the debt is legally collectible. 


Account Accuracy : I request that the credit bureau confirm with the creditor all details about this account, including payment history, account balance, and charge-off validity. 

Verification Documentation : Under the FCRA, I have the right to request the documentation that verifies the legitimacy of these accounts. Without proper evidence, these entries must be removed from my credit file. 

Tax Implications : If the creditor issued a 1099-C for this account, the IRS considers the debt settled or forgiven. As such, it may not remain valid for collection or reporting as a charge-off.

Resolution Sought : Please investigate and remove all inaccuracies regarding the above accounts. If the creditors fail to provide accurate, complete, and timely documentation, I request the deletion of these entries. 

Supporting Documentation : I have enclosed copies of my credit report highlighting the disputed accounts for your reference. 

I expect a written response and resolution to this matter within 30 days as stipulated by the FCRA. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX