Disputing Errors

Under the Fair Credit Billing Act, you have the right to dispute billing errors and errors on your credit report. To dispute a charge, contact the credit reporting agency in writing what information you believe is inaccurate on your report and contact the information provider in writing. Mail a letter to your creditor at the address given for "billing inquiries".

Use the sample letters below, provided by the Federal Trade Commission, to dispute the following:

• A debit card charge
• Billing errors
• Errors on your credit report
• Errors on your credit report from information providers

These sample letters are not legal advise. Be sure to keep a copy for your records and consider sending the letter by certified mail or another method by which you can establish when the letter is received by the intended recipient.

Instructions:

1. Click on the link below for which letter you need
2. Go to "File" ➡️ Make a Copy to save to your Google Drive, or
3. Go to "File" ➡️ Download to save to your computer

Sample Letter for Disputing a Debit Card Charge

Sample Letter for Disputing Billing Errors

Sample Letter for Disputing Errors on Your Credit Report

Sample Letter for Disputing Errors on Your Credit Report With Information Providers