A Dispute Letter is a formal statement prepared by an individual who was provided with inaccurate information and wishes to correct the error or avoid paying more money than the other person or organization demands. If a credit bureau notified you about a debt you do not know about, a hospital sent you a medical bill listing tests and procedures you did not undergo, or a lawyer asks you for a bigger compensation you have originally agreed upon, you can challenge their claims using a Dispute Letter example you customize to suit the particulars of the situation.

Dispute Letter Types 

  • A Credit Dispute Letter is filled out when the individual has discovered errors in their credit history. Usually prepared after the person's application for a new loan or credit card is rejected, this statement should be sent to the credit bureau or original creditor and contain a formal request to delete a negative item or provide an explanation for a derogatory mark in the credit report;
  • Debt Dispute Letter. Complete this template if you were informed about the debt you consider incorrect or you have already paid the money yet the creditor or a debt collection firm has called or mailed you with the demand to deal with the debt. Ask for more details about the debt or demand to delete the erroneous items from records;
  • Medical Bill Dispute Letter. If you believe the details you see in your medical bill are incorrect, you can respond to the medical facility or a particular billing officer in question asking them to review your documentation once again and fix the mistakes before you actually handle the financial obligation of paying the bill;
  • Dispute Attorney Fees Letter. In case your attorney demands more money than you believe they should get for representing your interests, you can contest extra charges you find in your bill. 

How to Write a Dispute Letter?

Follow these steps to compose your own Dispute Letter from scratch or fill out one of our Dispute Letter templates:

  1. Before writing a Dispute Letter, you should collect evidence to support the claims you will include in the document. Talk to witnesses and procure their statements, obtain access to files that may be difficult to find at a moment's notice, and contact organizations and institutions that have your records.
  2. Introduce yourself in the statement. Indicate the purpose for writing a letter right away - you are contesting information you have found in your credit report, bills, or a statement your legal representative has sent you. 
  3. Explain why you are disputing the facts shared with you. For instance, a Debt Dispute Letter may confirm your identity in case you think the creditor has attributed some other person's debt to you. 
  4. Directly demand from the letter recipient to fix the mistake you have found or send you a different document if the original did not satisfy your demands. For example, you may ask for a proper confirmation of the amount of money you owe to the individual who advised and represented you in the court - in this case, the Dispute Letter sample should include the appeal for another payment request.  
  5. Once the letter is prepared, do not forget to attach other documents that prove your point. If there is a chance you may have to file a lawsuit later or your relationship with the letter recipient has been difficult, it is recommended to use certified mail - in this case, you will obtain a receipt that shows you have taken steps to rectify the issue.

Still looking for a particular template? Take a look at the related templates and samples below:



Sample "Dispute Letter to Credit Bureau"

Rate (4.3 / 5) 24 votes
Size: 67 KB
2 pages

If an individual notices an error in their credit report they can use this letter to have it corrected by the agency reporting the information.

"Credit Dispute Letter Template"

Rate (4 / 5) 3 votes
Size: 61 KB
1 page

Submit this letter to a credit bureau if you believe that your Credit Report contains inaccurate information.

"Debt Dispute Letter Template"

Rate (4.6 / 5) 30 votes
Size: 65 KB
1 page

This letter serves as a refusal to accept debt and is written in response to a collector's notice.

Sample "Debt Dispute Letter"

Rate (4.5 / 5) 16 votes
Size: 66 KB
1 page

This is a written or typed letter that any individual can prepare when they have received a letter from a creditor or debt collector if they do not believe they owe any money or the amount of the debt indicated in the notice is not accurate.

Sample "Dispute Letter to Collection Agency"

Rate (4.8 / 5) 26 votes
Size: 69 KB
1 page

This is a formal document composed by an individual who was informed about the existence of a debt in their name and wants to request details about the alleged debt.

"Dispute Attorney Fees Letter Template"

Rate (4.9 / 5) 7 votes
Size: 58 KB
1 page

This type of template can be used if you have hired an attorney to help with a legal matter but feel concerned the amount of work billed is excessive or incorrect.

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"Fair Credit Reporting Act Dispute Letter"

Rate (4.5 / 5) 8 votes
Size: 64 KB
1 page