Product: Debt collection

Date XXXX To : XXXX XXXX Consumer Credit Examiner Wisconsin Department of Financial Institutions ( DFI ) XXXX XXXX XXXX File # XXXX From : From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wisconsin XXXX XXXX XXXX Re : Kohls Credit Card Account number : XXXX Account status : Closed Date opened : XXXX, XXXX Account type : Charge Card Balance on XX/XX/XXXX, Credit Limit XXXX. 
RE : Consumer Financial Protection Bureau ( CFPB ) https : XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX RE : the United States Senator XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : ( XXXX ) XXXX Dear XXXXXXXX XXXX  Consumer Credit Examiner Wisconsin Department of Financial Institutions ( DFI ). 
In reviewing your letter, I have submitted my concerns to the United States Senator XXXX XXXX Office in XXXX, WI, I also reached out to CFPB with my concerns. COMPLAINT ID XXXX COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX. XXXX. 
Im granting the State of Wisconsin Permission to contact and communicate with Senator XXXX Office on the said investigation regarding file # XXXX, CFPB XXXX. 
Please note : I XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX have submitted the most current data from an XXXX Credit report to show proof, Kohls Department Store Credit Card Services XXXX XXXX XXXX XXXX XXXX, WI XXXXis reporting the negative debt to the Credit Bureau XXXX XXXX  or XXXX, in reviewing the most current data from XXXX. Kohls now have increased the charge offs to 31 months, driving my FICO score down even more. 
The scar remark is a Charge Off-Closed. SCAR or Derogatory Marks, of poor payment history. Note a charge off is SCAR or Derogatory Marks, reported for 7 years, on a report to punish a customer or consumer with no credit or subprime high-interest credit loans. A charge-off is one of the worst items you can have on your credit report. 
A charge-off is what happens when you fail to make your credit card payment for several monthsusually six months in a row. After several months of non-payment, a creditor writes off the debt as a lossin their accounting books cancels your account, and demands that you pay the past due balance in full.1 By the time an account gets charged off, your credit score has already suffered significant damage. 
The damage done by Kohls and Capital One Banks is punishment for a customer or consumer trying to clean up a report. The balance on the card was a credit limit of XXXX $ we paid the limit off or the balance owed the remainder was late and charges were waved. From our agreement, the account is paid for the original balance owed, If Kohls and Kohls Department Store Credit Card Services and Capital One Bank NA, want the late fees paid in full to clear the debt from the report we may be able to agree to a settlement, however, this will cost Kohls Department Store customer shopping in the feature as we will shop XXXX and XXXX 
To resolve this issue, I XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX request Kohls and Kohls Department Store Credit Card Services and Capital One Bank NA. XXXX XXXX XXXX XXXX XXXX, WI XXXX remove the scar remark Charge Off-Closed. SCAR or Derogatory Marks, of poor payment history. We both agreed to settle the accounts, please remove the history from XXXX XXXX, oXXXX XXXX The information I a reporting is damaging to my credit history going forward. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX