Ps. I donâ??t believe that they have any validation proof, because I sent a dispute letter to them and they sent my statements and copies of my signed checks to them. How should I proceed? ****************************************** Dear Mr. **&&, Thank you for contacting Cross County (the spelled their own co name wrong!!!) Bank's Customer Service Department. We appreciate having his opportunity to serve you. We have received your request disputing the inaccurate information on your credit report. Please be advised that we are unable to honor your request at the present time. Our records indicate that your account has been charged off for collections since February 28, 2001. The application for this account was a telemarketing application, and the account can be verified by your Mother's Maiden name. For security purposes we are unable to include your mother's maiden name in any documentation without your signature advising us this is permissible. Please be aware in order to comply with the Fair Credit Reporting Act we need to report the activities on each account in a manner that our policies allow within the FCRA rules and regulations. Therefore, please provide us with any proof showing that the derogatory information reported to your credit bureau was due to an error on our part. Valid forms of proof would be copies of returned checks, both front and back, as well as any letters from a collection agent stating account status. Once the necessary information is received we will be glad to update information on your credit report. Our goal at Cross Country Bank is to provide CUSTOMER SERVICE to our CARDHOLDERS. We appreciate your business and look forward to serving your needs in the future. Should you require any further information, please contact our CUSTOMER SERVICE Department.