Dispute Letters

1. Credit Report Dispute – Incorrect Account

[Your Full Name]
[Your Address]
[City, State, ZIP Code]
[Email Address]
[Date]

[Credit Bureau Name]
[Address]
[City, State, ZIP Code]

Subject: Dispute of Inaccurate Credit Report Information

To Whom It May Concern,

I am writing to formally dispute inaccurate information in my credit file. The item listed below is not accurate and I request it be investigated and removed.

Account Name: [Creditor Name]
Account Number: [####]
Issue: This account does not belong to me / has incorrect details.

Please investigate and remove/correct this entry. Enclosed are copies of supporting documentation.

Sincerely,
[Your Name]

2. Debt Validation Letter – Request Proof of Debt

[Your Name]
[Your Address]
[City, State, ZIP Code]
[Date]

[Debt Collector’s Name]
[Company Name]
[Address]

Subject: Request for Debt Validation

To Whom It May Concern,

I am requesting validation of the debt listed under your name. Under the Fair Debt Collection Practices Act, I have the right to request proof.

Please provide the following:
- Original creditor’s name
- Amount of the debt
- Proof of your authorization to collect

Do not contact me further until this information is provided.

Sincerely,
[Your Name]

3. Medical Bill Dispute Letter

[Your Name]
[Your Address]
[Date]

[Medical Provider Name]
[Billing Department]
[Address]

Subject: Dispute of Medical Bill

Dear [Billing Department or Provider],

I recently received a bill for services on [Date of Service]. I am disputing this charge due to [reason: billing error, insurance denial, etc.].

Please review the bill and provide a detailed explanation or correction. I have enclosed a copy of the bill and relevant documents.

Sincerely,
[Your Name]

4. Goodwill Adjustment Request (Late Payment Removal)

[Your Name]
[Your Address]
[Date]

[Creditor or Lender Name]
[Address]

Subject: Request for Goodwill Adjustment

Dear [Creditor Name],

I’ve been a loyal customer and made timely payments on my account # [XXXX]. A late payment on [Date] was due to [brief explanation].

I’m kindly asking if you can make a goodwill adjustment and remove the late mark as a one-time courtesy.

Thank you for your consideration.

Sincerely,
[Your Name]

5. Identity Theft Dispute Letter

[Your Name]
[Your Address]
[Date]

[Credit Bureau Name]
[Address]

Subject: Fraudulent Account – Identity Theft

To Whom It May Concern,

I am a victim of identity theft and noticed an unauthorized account on my credit report.

Account Name: [Creditor Name]
Account Number: [####]
Issue: This account was opened fraudulently without my consent.

I have filed a police report (attached). Please investigate and remove this item from my credit report.

Sincerely,
[Your Name]

6. Chargeback Dispute Letter (Credit Card Transaction)

[Your Name]
[Your Address]
[Date]

[Credit Card Company]
[Dispute Department]
[Address]

Subject: Dispute of Unauthorized Charge

Dear [Credit Card Company],

I am disputing a charge of [$Amount] made on [Date] from [Merchant Name] that I did not authorize.

Please initiate a chargeback and investigate. Enclosed is a copy of my statement showing the transaction.

Sincerely,
[Your Name]

7. Dispute Letter – Collection Account with Credit Bureau

[Your Name]
[Your Address]
[Date]

[Credit Bureau Name]
[Address]

Subject: Dispute of Collection Account

Dear [Credit Bureau],

I am writing to dispute a collection account reported by [Collector Name] listed on my credit report.

This account is [not mine / already paid / inaccurate]. Please investigate and remove or correct the listing. I’ve attached proof of my claim.

Sincerely,
[Your Name]