Credit Card Debt Write-Off

I have two personal credit files showing the same unpaid balance from multiple credit card company. I have not disputed the amount directly with the lender and the entries remain damaging both scores.

I am looking for someone who understands the Fair Credit Reporting Act (FCRA) and related consumer-protection laws to help me secure a full charge-off and the permanent removal of both entries from my credit reports. Whether that means drafting airtight dispute letters, negotiating with the issuer’s recovery department, or escalating to the credit bureaus, I need a clear strategy and hands-on execution until the accounts read “paid in full” or disappear entirely.

Deliverables I expect
• Written plan outlining the steps you will take
• All correspondence you send on my behalf (letters, emails, online disputes)
• Confirmation from the creditor or bureaus that the debt has been written off or deleted
• Final copy of my updated credit reports showing the change

Success will be measured by both accounts no longer appearing as negative items on Experian, Equifax, and TransUnion. Please tell me about similar work you have completed and your estimated timeline to achieve these results.