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Debt was paid. Subject : Cease and Desist Incorrect Credit Reporting I am writing to formally request the removal of a negative item from my credit report that I believe is inaccurate and unjustly affecting my credit score. The item in question is listed under a negative account on my report in the amount of {$5300.00} on XXXX.According to my records, this debt has already been paid off through the creditor 's insurance which was a write-off in XXXX of XXXX