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Frequent or repeated messages. Subject : Dispute of Collection Charge-Off Account Under Servicemembers Civil Relief Act ( SCRA ) To XXXX I am writing to formally dispute a collection charge-off account appearing on my credit report, which I believe has been reported in error. The account in question is associated with I.Q. Data XXXX and was included on my credit report from XXXX. As an active-duty service member, I was required to break my lease due to receiving military orders. Under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3955, I exercised my right to terminate my lease agreement without penalty. The SCRA protects service members from financial repercussions when breaking a lease due to military obligations, and as such, I should not be held responsible for any outsta