Dispute Letter:

[Your Name] [Your Address] [City, State ZIP Code] [Date] [Credit Bureau Name] [Credit Bureau Address] [City, State ZIP Code]

Re: Dispute of Inaccurate Charge Off

To Whom It May Concern:

I am writing to dispute inaccurate information on my credit report. I have identified the following item that I believe to be erroneous:

Account Number: [XXX-XXX-XXX] Creditor Name: [Creditor’s Name] Reported as: Charge Off

I assert that this charge off is inaccurate and request its immediate removal from my credit report. Under the Fair Credit Reporting Act (FCRA), you are required to investigate this matter and correct any inaccuracies promptly.

Please be advised of the following:

1. I do not recognize this account or the associated charge off.
2. I have never been notified of any delinquency related to this account.
3. The creditor has not provided sufficient evidence to validate this debt or the reported charge off status.

As per my rights under the FCRA, I demand that you:

1. Conduct a thorough investigation of this disputed item.
2. Provide me with copies of any documentation used to verify the accuracy of this charge off.
3. Remove this inaccurate information from my credit report if it cannot be fully verified.
4. Notify me of the results of your investigation within 30 days, as required by law.

Furthermore, I insist that you forward a copy of this dispute letter to the furnisher of this information. If you or the furnisher fail to comply with these requests, be aware that you may be in violation of the FCRA, and I will not hesitate to pursue my legal rights.

I expect your prompt attention to this matter. Failure to respond within the statutory 30-day period will result in my considering further legal action to protect my rights.

Sincerely,

[Your Signature] [Your Printed Name]

Enclosures: [List any supporting documents you’re including]

This letter uses firm language to assert your rights and demand action from the credit bureau. It clearly states your dispute, outlines your expectations, and reminds the bureau of their legal obligations under the FCRA.

Remember to:
1. Send this letter via certified mail with return receipt requested.
2. Keep a copy of the letter and all related correspondence for your records.
3. Follow up if you don’t receive a response within 30 days.