Government agencies such as the Consumer Financial Protection Bureau and the Federal Trade Commission are sources of sample dispute letters. The examples include sample letters for disputing billing errors and for disputing errors on a credit report.
The Federal Trade Commission website, FTC.gov, provides a sample letter for disputing billing errors. The example includes the amount in dispute, the explanation and copies of pertinent documentation. The example for disputing credit report errors identifies each item in dispute with explanations. The FTC recommends that these letters be sent certified with return receipt requested.
The Consumer Financial Protection Bureau website, ConsumerFinance.gov, provides sample action letters for use in communicating with debt collectors.The “dispute and proof” letter is designed to inform a collector that the consumer is disputing a debt, and it instructs the collector to cease contact until they provide proof that the consumer is responsible for the debt.