I have disputed XXXX XXXX XXXX reporting negative credit card account item on my Transunion credit report over the past XXXX years. This was a secured credit card that was open with initial {$300.00} security deposit back in XX/XX/XXXX. Due to fraudulent transaction I did not authorize XXXX XXXX XXXX closed account XX/XX/XXXX. XXXX XXXX paid was used to pay off remaining balance. This account was paid in full prior to being supposedly charged off by XXXX XXXX XXXX. I am requesting XXXX XXXX XXXX stop reporting this negative item on credit reports