Dispute Letters: Examples & How to Write Effective Disputes

[Date]

[Credit Bureau Name]
[Credit Bureau Address]

Subject: Dispute of Incorrect Information on Credit Report – Account #[Your Account Number]

Dear [Credit Bureau Name],

I am writing to dispute inaccurate information on my credit report. I am enclosing a copy of my credit report with the disputed item(s) highlighted. Specifically, the account listed as [Account Name] with account number [Account Number] is incorrect because [Explain the reason for the dispute, e.g., it’s not my account, the balance is incorrect, the account is closed but still reported as open].

I am requesting that you investigate this matter and remove or correct the inaccurate information as soon as possible. I have also enclosed [List any supporting documentation, e.g., copy of driver’s license, proof of payment].

Thank you for your time and attention to this matter. I look forward to your prompt resolution.

[Date]

[Company Name]
[Company Address]

Subject: Invoice Dispute – Invoice #[Invoice Number]

Dear [Contact Person],

I am writing to dispute invoice #[Invoice Number] for $[Invoice Amount] dated [Invoice Date]. I believe the amount is incorrect because [Explain the reason for the dispute, e.g., overcharge, incorrect quantity, services not rendered].

I have attached [List any supporting documentation, e.g., purchase order, contract, proof of payment] to support my claim. I believe the correct amount due is $[Correct Amount].

I request that you review this matter and adjust the invoice accordingly. I am happy to discuss this further and provide any additional information you may need.

[Date]

[Credit Card Company Name]
[Credit Card Company Address]

Subject: Dispute of Unauthorized Transaction – Account #[Your Account Number]

Dear [Credit Card Company Name],

I am writing to dispute an unauthorized transaction on my credit card account #[Your Account Number]. On [Date of Transaction], a charge of $[Transaction Amount] was made to [Merchant Name]. I did not authorize this transaction.

I have already reported this to [If you reported it to the police, mention it here]. I am requesting that you investigate this matter and remove the unauthorized charge from my account. I have also enclosed [List any supporting documentation, e.g., copy of credit card statement].

Thank you for your prompt attention to this matter.

[Date]

[Utility Company Name]
[Utility Company Address]

Subject: Dispute of High Utility Bill – Account #[Your Account Number]

Dear [Utility Company Name],

I am writing to dispute the high utility bill I received for account #[Your Account Number] for the billing period of [Start Date] to [End Date]. The bill amount is $[Bill Amount], which is significantly higher than my usual usage. I suspect there may be an error in the meter reading or a possible leak.

I have checked my property for any obvious leaks and found none. My average monthly usage for the past [Number] months has been approximately $[Average Usage Amount]. I request that you investigate this matter, re-read the meter, and consider adjusting my bill accordingly.

Thank you for your time and attention to this matter.

[Date]

[Medical Provider Name]
[Medical Provider Address]

Subject: Dispute of Medical Bill – Account #[Your Account Number]

Dear [Medical Provider Name],

I am writing to dispute a charge on my medical bill for services rendered on [Date of Service]. I believe the coding is incorrect and resulted in an overcharge. The specific charge I am disputing is for [Procedure Code] – [Procedure Description], which appears to be coded incorrectly.

I have contacted my insurance provider, [Insurance Company Name], and they have indicated that [Explain what the insurance company said, e.g., the procedure code is not covered, the amount is too high]. I request that you review the coding and resubmit the bill with the correct procedure code. I have also enclosed a copy of my insurance card and the explanation of benefits from my insurance company.

Thank you for your prompt attention to this matter.

[Date]

[Contractor Name]
[Contractor Address]

Subject: Dispute Regarding Unfinished Work – Contract Date [Contract Date]

Dear [Contractor Name],

I am writing to express my dissatisfaction with the work completed under our contract dated [Contract Date] for [Description of Work]. Specifically, the following items remain unfinished or were not completed to the standards outlined in our agreement: [List specific unfinished items or deficiencies].

I have attached copies of our contract and photographs documenting the unfinished or deficient work. I request that you complete the work as agreed upon within [Number] days. If the work is not completed within this timeframe, I will be forced to seek alternative solutions to complete the project and may pursue legal remedies.

Thank you for your prompt attention to this matter.

[Date]

[Landlord Name]
[Landlord Address]

Subject: Dispute Regarding Security Deposit Return – [Property Address]

Dear [Landlord Name],

I am writing to dispute the amount of my security deposit returned to me for the property located at [Property Address]. I vacated the premises on [Date] and left the property in good condition, as outlined in our lease agreement. I received a partial refund of $[Amount Returned], but I believe I am entitled to the full $[Original Security Deposit Amount] deposit.

I did not receive an itemized list of deductions as required by [State/Local Law, if applicable]. I request a full accounting of all deductions, along with supporting documentation (e.g., invoices for repairs). If the deductions are not justified, I request the immediate return of the remaining $[Amount Owed] of my security deposit.

Thank you for your prompt attention to this matter.

[Date]

[Repair Shop Name]
[Repair Shop Address]

Subject: Dispute Regarding Overbilling for Car Repair – Vehicle [Year] [Make] [Model]

Dear [Repair Shop Name],

I am writing to dispute the invoice I received for repairs to my [Year] [Make] [Model] with VIN [VIN Number]. The invoice total is $[Invoice Amount], which I believe is excessive and includes charges for services I did not authorize or that were not necessary. Specifically, I am disputing the following: [List disputed charges, e.g., diagnostic fee, parts cost, labor hours].

I was originally quoted $[Original Estimate Amount] for the repairs. I did not authorize any additional work beyond what was discussed in the original estimate. I request that you review the invoice and provide justification for the disputed charges. I am willing to pay a reasonable amount for the authorized repairs, but I will not pay for unauthorized or unnecessary work.

Thank you for your prompt attention to this matter.

[Date]

[Bank Name]
[Bank Address]

Subject: Dispute of Unauthorized Debit – Account #[Your Account Number]

Dear [Bank Name],

I am writing to dispute an unauthorized debit from my bank account #[Your Account Number] on [Date of Transaction] for the amount of $[Transaction Amount]. The debit was made to [Merchant Name] and I did not authorize this transaction.

I have never done business with this merchant before and the transaction is unfamiliar to me. I am requesting that you investigate this matter and reverse the unauthorized debit from my account. I have also enclosed a copy of my bank statement highlighting the disputed transaction.

Thank you for your prompt attention to this matter.

[Date]

[Company Name]
[Company Address]

Subject: Dispute of Incorrect Late Fee – Account #[Your Account Number]

Dear [Company Name],

I am writing to dispute a late fee of $[Late Fee Amount] that was recently added to my account #[Your Account Number]. The invoice due date was [Due Date], and I made a payment of $[Payment Amount] on [Date of Payment]. This payment was made on time, [Or explain why the payment was delayed and why a late fee isn’t justified – e.g., website was down]. Therefore, I believe the late fee is incorrect.

I have attached proof of my payment made on [Date of Payment]. Please review my account and remove the late fee immediately.

Thank you for your time and attention to this matter.

[Date]

[Service Provider Name]
[Service Provider Address]

Subject: Dispute of Charges for Services Not Rendered – Account #[Your Account Number]

Dear [Service Provider Name],

I am writing to dispute charges on my account #[Your Account Number] for services that were not rendered. On [Date], I was billed for [Description of Services] at a cost of $[Amount]. However, these services were never provided to me.

I contacted your customer service department on [Date], and spoke with [Representative Name], who advised me to submit a written dispute. I am requesting that you investigate this matter and remove the charges for services that were not rendered. I will also provide any further information as necessary.

Thank you for your prompt attention to this matter.

[Date]

[Company Name]
[Company Address]

Subject: Dispute for Defective Product – Order #[Your Order Number]

Dear [Company Name],

I am writing to dispute the purchase of a [Product Name] with order number #[Your Order Number]. I received the product on [Date of Delivery] and discovered that it was defective [Explain the defect in detail].

I have attached pictures/videos showing the defect. I want either a replacement product or a full refund, including any shipping charges. Per your return policy, I am within the eligible return window.

Thank you for your prompt attention to this matter.