Sample Letter to Write to Credit Bureau Regarding Charge-off Dispute
In today’s digital age, maintaining a good credit score is crucial for various financial endeavors, such as obtaining loans, credit cards, or even renting an apartment. However, mistakes or discrepancies in your credit report can significantly impact your creditworthiness. One common issue that many individuals face is a charge-off, which occurs when a creditor writes off a debt as uncollectible. If you believe there is a charge-off error on your credit report, it is essential to dispute it with the credit bureau. Below is a sample letter you can use as a guide to write to the credit bureau regarding a charge-off dispute.
Subject: Dispute of Charge-off on Credit Report
Dear [Credit Bureau Name],
I am writing to dispute the charge-off listed on my credit report, which was reported by [Creditor Name]. I have attached a copy of my credit report for your reference.
I have carefully reviewed my account and believe that the charge-off is inaccurate due to the following reasons:
1. I made timely payments on my account until [specific date or event that led to the charge-off].
2. I was not notified of the charge-off or any changes to my account before it was reported to the credit bureaus.
3. I have provided proof of payment history and have not received any correspondence from the creditor regarding the charge-off.
To support my dispute, I have attached the following documents:
– Proof of payment history
– Correspondence between me and the creditor
– Any other relevant documentation
I kindly request that you investigate this matter promptly and remove the charge-off from my credit report if it is found to be inaccurate. I understand that under the Fair Credit Reporting Act (FCRA), you are required to conduct a thorough investigation within 30 days of receiving my dispute.
Please note that I will take legal action if the charge-off is not resolved to my satisfaction within this timeframe. I appreciate your attention to this matter and look forward to a prompt resolution.
Thank you for your assistance.
Sincerely,
[Your Full Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Phone Number]
