Dispute Charge Off with Creditor - Included In Bankruptcy

[Credit Expert]

Free Credit Letter Template: Dispute Charge Off with Creditor - Included In Bankruptcy

This credit letter is to: Dispute a charge off account with an original creditor that is reporting the account as a charge off.





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Dear Creditor,

This letter is to inform you that you are reporting incorrect information in my credit report. The account in dispute was discharged in Chapter 7 Bankruptcy on my credit reports it shows that you have this account listed as "Charge Off/Bad Debt." This is totally inaccurate information. The Fair Credit Reporting Act allows only for completely accurate information to be reported. You are in complete violation of that act by reporting this account as "Charged Off".

You are also reporting a balance of $________ and $_________as past due. By Chapter 7 US Bankruptcy law, this account was granted a full discharge of all debts and obligations. This means that the balance and past due amounts should be $0.00. This is another violation of the FCRA (Fair Credit Reporting Act) and US Bankruptcy laws.

I disputed this account with Equifax. They notified me by mail that this item was verified as accurate by you. This is another violation of the FCRA. The FCRA allows for statutory damages of $1000 PER violation cited. Since this requires no investigation by you, I demand the complete deletion of this information from my EQ/EX/TU credit report within 15 days of the receipt of this notice. I look forward to resolving this matter amicably without pursuing legal means.

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