XXXX XXXX XXXX charged off an account in XXXX XXXX. They reported it as charged off again in XXXX XXXX and again in XXXX XXXX. The FICO credit scores treat this as a recent event instead of XXXX that happened 4 years ago. They claim it 's only noting the current status of the account but this is not how it 's considered by virtually all the various credit scores. It 's listed in account history and it 's false. It 's impossible on its face. A charge off occurs once. This is in retaliation of me requesting validation of the debt with Experian. A charge off is a XXXX time event. It does not happen over and over again. All of the charge off notations after the XXXX XXXX need to be removed from my credit report.