Sample Dispute Letter to Creditor

(Send Registered Mail, Return Receipt Requested)


Consumer Name
City, State, Zip Code

Account # ______
Name of Creditor
Billing Inquiries

To Whom It May Concern:

I am writing to dispute a fraudulent (charge or debit) on my account on (date) in the amount of ($000).  I am the victim of identity theft and did not make or authorize this (charge or debit).  Please provide me with a copy of the credit application and other transaction records relating to the theft.  Please remove the charge or reinstate the debit and give me credit for any charges assessed against my account as a result of this fraud.  Please send me an accurate revised statement.

Enclosed are copies of (describe the enclosed information) supporting my position and proving my identity.  Please investigate and correct the fraud as soon as possible.


Consumer’s Name

Enclosures:       (List what you have enclosed.)

  • Fraud Affidavit
  • Police Report
  • Proof of your identity, such as
    • photo copy of government issued
    • ID card

 Note: Creditor must receive letter within 60 days after first bill containing error was mailed to you.