Charged-Off Account Inaccuracy Letter — Correct or Dispute Inaccurate Charge-Off Reporting
Repair Reporting Errors and Protect Your Middle Credit Score®.
A “charge-off” is one of the most damaging entries that can appear on your credit report—especially when it’s reported inaccurately.
A Charged-Off Account Inaccuracy Letter allows you to challenge incorrect details such as wrong balances, payment dates, or status updates tied to an old or settled account. Even legitimate charge-offs must be reported accurately and fairly under the Fair Credit Reporting Act (FCRA).
At Middle Credit Score®, we help consumers take the correct, compliant steps to fix their credit reports without paying high fees for third-party services.
You can find this template and over 30 other professionally written examples in our Credit Dispute Letters Support Center, designed to help you assert your rights and improve the accuracy of your credit history.
🔍 When to Use a Charged-Off Account Inaccuracy Letter
Send this letter when:
- A charged-off account shows an inaccurate balance or date of first delinquency.
- The same account appears multiple times on your report.
- You’ve already settled or paid the account, but it’s still reported as “charged-off.”
- The charge-off entry lists the wrong lender, account number, or payment history.
Even one inaccurate detail on a charge-off can prolong its negative effect and lower your Middle Credit Score®.
💡 Why This Letter Matters
Charge-offs remain on your credit report for up to seven years, but that doesn’t mean they can be reported inaccurately.
By using a Charged-Off Account Inaccuracy Letter, you:
- Trigger a reinvestigation under the FCRA to verify the account details.
- Correct errors in charge-off balances, dates, or payment status.
- Remove duplicate or outdated charge-off entries.
- Protect your Middle Credit Score® from extended, unjustified damage.
An accurate credit file helps lenders view your financial history in context, especially if you’ve since resolved or improved your accounts.
🧭 Step-By-Step: How to Send
- Review your credit reports from Experian, Equifax, and TransUnion for charge-off discrepancies.
- Gather documentation—payment receipts, settlement letters, or account closure confirmations.
- Complete the Charged-Off Account Inaccuracy Letter below with detailed explanations of each error.
- Attach copies (not originals) of all supporting evidence.
- Send the letter by certified mail to the credit bureaus and the original creditor.
Credit bureaus have 30 days to investigate and update the information. Keep records of all correspondence for future reference.
🔗 More Credit Dispute Resources
Find additional templates for charge-offs, settlements, and verifications in the
➡️ Credit Dispute Letters Library.
To learn how charge-offs impact your score and how to rebuild after resolution, visit the
➡️ Middle Credit Score® Academy.
🧠 Bottom Line
A Charged-Off Account Inaccuracy Letter gives you the power to challenge and correct harmful reporting errors that don’t tell the full story.
By ensuring your charge-offs are reported fairly and accurately, you protect your financial reputation and strengthen your Middle Credit Score®.
Charged-Off Account Inaccuracy Letter: Corrects inaccurate charge-off details.
[Your Name]
[Your Address]
[City, State ZIP Code]
[Date]
[Credit Bureau or Creditor Name]
[Address]
Re: Dispute of Inaccurate Charged-Off Account Information
Dear [Representative],
Upon reviewing my credit report, I noticed that the account [Creditor Name / Account Number] is reported as “charged off” with incorrect or inconsistent details. The balance, date of charge-off, or payment status appears inaccurate.
Under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA), any unverifiable or incorrect information must be removed or corrected. Please verify this account’s charge-off details directly with the original creditor and provide written documentation supporting your findings.
If the data cannot be verified, please delete the entry from my credit report immediately. I have enclosed identification and a highlighted copy of my credit report for reference.
Thank you for promptly addressing this issue.
Sincerely,
[Your Signature]
[Your Printed Name]
⚖️ Disclaimer
The sample letter provided above is for educational and informational purposes only. Middle Credit Score® does not guarantee specific results or credit report changes. Each creditor or credit bureau may have its own policies, and outcomes may vary. Consumers are encouraged to review the Fair Credit Reporting Act (FCRA) and seek professional or legal advice if they need personalized assistance. Middle Credit Score® is not a credit repair company and does not perform credit repair services.
