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Where did you get your scores?
If the accounts, with the CA, are beyond SOL or you can PIF, then I would send a DV to the CA. Keep it short and simple.
Something like "I pulled my report and notice you are reporting a debt that I allegedly owe. In accordance with FDCPA 809, please send me validation of this debt, including a copy of the debt or judgment. The account number listed on my CR is XXXXXXX (Or state partial acct # if you only know it).".
What is the DOFD on the charge off? What is the DOFD on the collections?