Dispute Letter – How to Write (with Sample Dispute Letter)

There are many instances where you may need to write a dispute letter. A collection dispute, credit dispute, debt collection dispute and many more will require you to write a dispute letter to the concerned parties. Whatever your reasons, there is a specific format that you should follow when writing a dispute letter.

Formal language should be used, and you should also ensure that you include the correct details.

What to Include

  • Just like writing a job application letter, there are rules that should be followed when writing a dispute letter. But even before we go into details, it is advised that you keep a copy of the credit dispute letter for future reference.
  • One of the things that you have to include in the dispute letter is proof supporting the dispute. If, for instance, your lender reports to the credit bureau that you did not send payment on time, you can include a copy of a canceled check which indicates that the payments were actually made on time and also keep a copy of it.
  • Once you file the dispute, it takes up to 30 days for credit reporting agencies to investigate the case. Sending the letter through a certified mail can be a good option and it can also help you track the time.

Format for writing a dispute letter

DateYour name


City/ state/ zip code

Dear sir/madam,

I am writing to request an investigation of the following;

Dispute 1

Name the dispute source (it may be a lender, employer, credit card company etc)

Type of item

Account number of identifier

Dispute 2 (if any)

The same format is followed

The item that I have identified in my credit report is (incomplete or inaccurate) because (give your reason and attach any supporting documents if any).

I, therefore, request for this item to be (adjusted or deleted) for my credit report to reflect accurate information.

Attached are all the necessary supporting documents.



List supporting documents( if any)

Example of a credit dispute letter

Albert Freda1612 Allentown PA 18104


Equifax information services LLC

Po box 740256

Atlanta GA 30374

dear Sir/Madam,

I recently received a copy of my credit report and realized some information was inaccurate. I would, therefore, want to file the following dispute;

Dispute 1

(Company name, account number)

The account has been fully paid

I, therefore, request the information to be updated in my credit report.

I have enclosed copies of the documents that support this dispute. Kindly investigate this issue and correct the disputed item as soon as possible.


Albert Freda


List your enclosed documents if any. Do not include this section if you have not included any supporting documents)

Types of dispute letters

Debt dispute letter

At times, you may receive a notice indicating that you owe money to a particular lender. If you do not owe the debt or the amount you owe is less than what they indicate, you have the right to challenge the lender to prove that you really owe the debt, and only collect it when they have verified that you owe the money. When writing a dispute letter, you should request the lender to send you;
  • The amount in dispute
  • The original lender’s full names and address
  • Supporting documents showing that you really owe the debt
  • Documents showing that the company (if it is a debt collection agency) is authorized to collect the debt.

Credit dispute letter

You can write a credit dispute letter if you find any inaccurate information in your credit report and you want it corrected. The letter is usually sent to the credit bureau that sent the report. (Check our example above). Some of the things you can dispute in the letter include;
  • Late payments
  • Collections
  • Bankruptcies that have stayed in your credit report for more than 10 years
  • Late payments that have stayed in your credit report for more than 7 years among others.
Was this helpful?

How did our templates helped you today?

Opps! What went wrong?

Thank you!

Thank you for your feedback.