I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received. 
This item ( identify item disputed by name of source, XXXX XXXX. ) is ( inaccurate ) because ( describe what is inaccurate or incomplete and why This ITEM WAS A CHARGE OFF XX/XX/2011 ). I am requesting that the item be deleted ( or request another rapid score ) to correct the information. Enclosed is a copy of the my recent of my credit report, item # 2, supporting my position. Please re-investigate this matter and ( delete or correct ) the disputed item as soon as possible. Also the collection agency are still reporting payments late since 2011 until now.