Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Credit reporting agency Re : Dispute of Charge-Off from XXXX XXXX  and Request for Removal Dear Sir/Madam, I am writing to formally dispute an inaccurate charge-off entry on my credit report. The entry in question pertains to a charge-off reported by XXXX XXXX XXXX  listed under account number XXXX. I believe this charge-off entry is inaccurate and should be removed from my credit report based on the following grounds : XXXX. Inaccurate Reporting Under the Fair Credit Reporting Act ( FCRA ) Under the FCRA ( 15 U.S. Code 1681 ), credit reporting agencies are required to maintain accurate and complete information on consumers ' credit reports. If an item on a credit report is found to be inaccurate, the credit bureau is obligated to correct or remove the item within 30 days of being notified of a dispute. I have reason to believe that this charge-off is either erroneous or was reported inaccurately, and I request that it be investigated and removed. 
2. Violation of the Fair Debt Collection Practices Act ( FDCPA ) Under the FDCPA ( 15 U.S. Code 1692 ), debt collectors are prohibited from making false or misleading representations about the status of debts. If XXXX XXXX failed to properly account for payments, settlement agreements, or misrepresented the status of this debt, it would constitute a violation of the FDCPA. I request that you investigate whether this charge-off entry meets the legal requirements and remove it from my credit report if it is inaccurate. 
3. Failure to Validate Debt Under Section 809 of the FDCPA ( 15 U.S. Code 1692g ), consumers have the right to request debt validation within 30 days of first being contacted by a debt collector. If XXXX XXXX  has not properly validated this debt or failed to provide proof of the debt in accordance with the law, the charge-off entry should be removed. 
4. Duties of Furnishers Under 15 U.S.C. 1681s-2 Under 15 U.S.C. 1681s-2, furnishers of information ( such as XXXX XXXX ) are required to report accurate information to credit bureaus and to correct any information that is later found to be inaccurate or incomplete. This section also obligates furnishers to investigate any disputes submitted by consumers, and to notify the credit bureaus of any errors discovered during that investigation. If XXXX XXXX failed to meet its obligations under this provision by reporting inaccurate information or failing to investigate the dispute properly, I request that the charge-off entry be removed from my credit report. 
Request for Action : I request that the charge-off entry reported by XXXX XXXX be thoroughly investigated in light of the above-cited laws. If this charge-off is determined to be inaccurate, I expect it to be immediately removed from my credit report, in accordance with the FCRA, FDCPA, and 15 U.S.C. 1681s-2.

Please confirm receipt of this dispute and provide me with a written response detailing your findings and any actions taken regarding this matter. If additional documentation or information is required from my end, I am happy to provide it. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX