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Their investigation did not fix an error on your report. Subject : Dispute of Charge-Off on Credit Report under 15 USC 1681e Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am writing to dispute the accuracy of a charge-off that appears on my credit report. This dispute is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e, which mandates that credit reporting agencies maintain accurate and complete records. The specific item I am disputing is : XXXX XXXX XXXX XXXX XXXX XXXX aka XXXX [ Account # XXXX ] I believe this charge-off is incorrect for the following reasons : High Credit reporting {$450.00} by XXXX, {$0.00} by Experian, XXXX {$300.00} by XXXX. INACCURATE. Date last reported XX/XX/XXXX by XXXX, XX/XX/XXXX by Experian, XX/XX/XXXX by XXXX. Payment