Dispute Letter to a Company (for an existing account)
This sample letter will help you dispute fraudulent charges or activity on your existing accounts.
The text in [brackets] indicates where you must customize the letter.
[Your City, State, Zip Code]
[Name of Company]
[Fraud Department (companies may specify an address to receive fraud dispute letters), or Billing Inquiries Department]
[City, State, Zip Code]
[RE: Your Account Number (if known)]
Dear Sir or Madam:
I am writing to dispute [a] fraudulent charge(s) on my account in the amount(s) of $___, and posted on [dates]. I am a victim of identity theft, and I did not make [this/these] charge(s). I request that you remove the fraudulent charge(s) and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account (if applicable). I also request that you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting agencies (CRAs) to which you provided it.
Enclosed is a copy of my FTC Identity Theft Affidavit supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. [Consumers should redact information that is unrelated to the dispute with this company.] Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs.
Please investigate this matter and send me a written explanation of your findings and actions.
Enclosures: [List what you are enclosing]
- Identity Theft Affidavit [if you have one]
- Proof of identity: [a copy of my driver’s license/other government-issued identification card/other]
- Copy of Credit Report indicating information [not to be reported/to be corrected]
- FTC Notice to Furnishers of Information [PDF]