To dispute a payment you may first need to call the person or place you are disputing just to make sure they do not have a form that needs to be filled out, if not then you can do the letter. First of all address it to the payment department ensure that your correct account info and address are on it, then explain why you feel that the bill in incorrect and be sure to enlose any proof ie copies
. of old checks or old bills. Make sure that in the letter you state a date when you will call back to see what is going on.