How to Write a Letter Disputing a Charge From a Third Party

Letters of dispute are written to disagree with charges that are made on a person's account. These letters are typically sent to a third party, such as a collection agency. Write a letter of dispute so the collection company will be forced to check the validity of the charges, possibly removing them from your account.

Instructions

1

Consult the most recent bill sent to you. The bill will contain your account number, the dates the charges were made and the amount that the third party states that you owe. You will need all of this information for your letter.

2

Write a draft of your letter. Your letter should be crafted as a business letter. Use letterhead or create your own letterhead with your name, address and phone number at the top of the letter. Address the letter to the collection agency. Your tone should be professional.

3

Keep your letter simple. State that you do not owe the money and explain that you do not agree with the charges. In this portion of the letter, include your account number, amount owed and the date that your account was charged.

4

Write a call to action. Ask the collection agency to research the matter and remove the charges as soon as possible. Include copies of any evidence you have that can prove you did not make the charges.

5

Edit and write your final version. Make sure that your letter does not contain spelling or grammatical errors. Ask a friend to proofread the final version before mailing it. Keep a copy for your records.