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The major credit bureaus currently allow consumers to send disputes online, so you can simply follow their online instructions. If you decide to mail a physical letter instead, send your letter via certified mail with return receipt requested.
Send a Dispute Letter to Your Card Company your name and account number. the dollar amount of the disputed charge. the date of the disputed charge. an explanation of why you think the charge is incorrect.
Your letter should clearly identify each item in your report you dispute, state the facts, explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your credit report with the items in question circled.
List each item on your report that you believe is inaccurate, the account number and the specific reason you feel the information is incorrect. Download the dispute form at files.consumerfinance.gov/f/documents/092016_ cfpb_CreditReportingDisputeLetter.
Your letter should clearly identify each item in your report you dispute, state the facts, explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your credit report with the items in question circled.