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Account status incorrect. DISCOVER CARD Account XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Request for Proof of Late Payment Removal of Inaccurate Charge-Off Dear Sir or Madam, Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am formally notifying you that I am disputing the information you have furnished to the credit reporting agencies regarding account number XXXXXXXX XXXX XXXX XXXX XXXX which has been reported as charged-off. Reason for the Dispute : According to 15 U.S.C. 1666b ( a ), a creditor may not treat a payment as late, nor apply any related consequences ( such as negative reporting ), unless : XXXX. A periodic statement was sent to me ; XXXX. That statement included the information required under 1637 ( b ) ; XXXX. It w