Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Third Round Dispute - Request for Removal or Correction of Account Information Account Number : XXXX Dear Equifax, I am writing to formally dispute the accuracy of the information reported on my credit file regarding the XXXXXXXX XXXX XXXX account referenced above. This is my third round of dispute, and I request that you thoroughly investigate this matter in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.. 

Discrepancies and Concerns : The account in question shows a charge-off status with a past due balance of {$270.00}, updated as of XX/XX/XXXX. The account has been marked with XXXX potentially negative months of payment history, and this information has a significant negative impact on my credit report. However, no verifiable documentation has been provided to substantiate the charge-off, and I am requesting the following : XXXX. Inaccurate Charge-Off Reporting : The account is marked as charged off, with a balance of {$270.00} written off. I have not received any clear or valid documentation explaining the charge-off status, nor any verification that this information is accurate. According to 15 U.S.C. 1681s-2 ( Responsibilities of furnishers of information ), the information provided to credit reporting agencies must be accurate and complete. As no supporting documents have been provided to verify the charge-off, I believe this account may be inaccurately reported. 

XXXX. Failure to Update or Verify Account Status : The account has been marked as CO ( Charge-Off ) for XXXX months, but I have not received any update or documentation to justify this extended negative history. As per 15 U.S.C. 1681i ( Procedures in case of disputed information ), I am entitled to an investigation into the accuracy of the information. If the charge-off can not be substantiated, it must be corrected or removed from my credit report. 

XXXX. Request for Debt Removal or Correction : Under 15 U.S.C. 1681e ( b ) ( Duty of users of consumer reports to report accurate information ), I am requesting that : This account be removed entirely from my credit report if it can not be substantiated with valid documentation. 
Alternatively, if the charge-off is found to be in error, I request that the account status be updated to reflect accurate, verifiable information. 
If the account can not be verified or substantiated, it is required to be removed from my credit report in compliance with 15 U.S.C. 1681i ( a ) ( Duration of investigation ). 

Request for Supporting Documentation : I respectfully request the following documentation to substantiate the accuracy of this report : Proof of the charge-off, including the date and any actions taken on the account. 
Documentation of any communications from XXXX XXXX XXXX  or third-party collectors regarding this account after the last payment date on XX/XX/XXXX. 
Any records that show this account was properly handled according to applicable laws and regulations. 
Under 15 U.S.C. 1681g ( Disclosures to consumers ), I am entitled to receive a full and detailed report of the information you have on file regarding this account. If you are unable to validate the information, the account must be removed. 

Conclusion : I respectfully request that you complete your investigation within XXXX days in compliance with 15 U.S.C. 1681i ( a ). If the information can not be verified, I insist that the account be removed from my credit report. If the information is found to be inaccurate or unverifiable, it must be corrected or deleted in accordance with the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. I trust you will ensure that my rights under the FCRA are fully protected and that any inaccurate information is removed or corrected promptly. 

Sincerely, XXXX XXXX XXXX