I am writing to dispute the following information in my credit file. There is a collection account on my credit report in the amount of {$110.00} XXXX charge off/past due ). This charge is associated with my old XXXX account, # XXXX. Throughout my entire two-year contract, it can be seen that I never missed a single payment and all payments were set for automatic payments. 

Before moving in XXXX 2015, I successfully closed my XXXX account and returned all of the equipment. I then opened up a new XXXX account, # XXXX. Again, with this new account, it can be seen that I make all payments on time, in full, through auto-pay. 

I am requesting that the negative collection account charge of # XXXX be completely removed from my credit report as it has been paid in full and that I am in a good standing consumer relationship with XXXX. 

I am only XXXX years old, and because of this erroneous error charge, my credit score as severely decreased, causing me great financial harm in the future. If this error is not corrected and erased, I will have no choice but to bring legal action through my lawyer as well as through the Federal Trade Commission via my XXXX XXXX XXXX XXXX, our current Maryland United States Senator. To whoever is reading this, I plead that you help me in getting this charge removed.