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Account information incorrect. Issue : XXXX XXXX is reporting a charge-off ( CO ) on my credit report every month, indicating that I have an outstanding balance or am delinquent on my payments. This is inaccurate and causing harm to my credit score. Law : Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c ( a ) : A creditor can only report a charge-off ( CO ) once, when the account is initially deemed uncollectible. Metro 2 Guideline 4.1 : A creditor can not report a CO every month, only when there is a change in the status of the debt. Violations : XXXX XXXX reported a CO in XXXX and again in XXXX, without a change in the status of the debt. XXXX XXXX failed to conduct a reasonable investigation of my dispute and correct the errors on my credit report. Damages : Harm to my cr