How to dispute a debt in your name that is not yours. Verify that the debt collector is legitimate. Insist that debt collectors contact you by mail. Check your credit report to make sure the debt is not valid; You're wondering how to write the perfect dispute letter when you're trying to remove negative items from your credit report. It's not as deep as you think. Look at this vi. Send a debt dispute letter. The next step is to send a debt dispute letter, also called a verification letter, to the address you obtained from the caller. You should do this on certain days. The dispute letter is a written communication that you can physically send to a creditor or one of the credit bureaus. By law, these disputes must each be subject to an appropriate level of investigation to attempt to confirm their legitimacy. Once a dispute is received, it should be investigated and decided within days. Writing an effective credit dispute letter. To write an effective credit dispute letter, follow these steps: Obtain a copy of your credit reports, detailing the positive and negative marks affecting your credit. Write a dispute letter that includes your personal information, account numbers, a copy of your credit report with highlighted items, and: Write your letter. Your letter must include your personal information: name, address, social security number, the date of the request, the reason for your dispute, and any evidence to support your claim. Be concise, clear and polite. You may have heard of a dispute letter, also called a challenge or simply a dispute. While there are different ways to try to improve your credit score, this is one of the best methods to give yourself a little boost. Although certain conditions must be met for this method to work, if you do, you are sure to see a few of them.