Bill dispute template 2025

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When writing your dispute letter, it is a good rule of thumb to identify every disputed item, provide reasons for the dispute, and request an investigation or removal of the information you do not agree with.
Your letter should identify each item you dispute, state the facts, explain why you dispute the information, and ask that the business that supplied the information take action to have it removed or corrected. You may want to enclose a copy of your report with the item(s) in question circled.
How to Dispute Billing Errors Write to the issuer. Send your letter so that it reaches the issuer within 60 days after the first bill with the error was sent to you. Within 30 days of getting your complaint, the issuer must acknowledge it in writing, unless the problem has been resolved.
How to write a demand letter: Dos Outline the facts. Detail the dispute, including dates, locations, and the initial written agreement or contract. Make your demand. Provide a timeline. Set clear consequences. Be polite. Get professional advice. Keep copies. Send your demand letter via certified mail.
Start by calling the card companys customer service number to report the problem. Find the telephone number on your monthly statement or on the back of your card. Keep a record of who you spoke with and when then follow up with a letter like the sample below. Many card companies let you submit disputes online.
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Essential Elements to Include Make sure to include all the essential elements in your dispute letter. This includes a clear statement of your dispute, the specific charges in question, and your supporting evidence. Be sure to also include your contact information and ask for a response in writing.
I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies.

how to write a billing dispute letter