How can you dispute items without taking the normal route of writing dispute letters?

The only sure way is to write a letter containing all the necessary information. You can contact the creditor's customer service department and relay the information. That will not guarantee any action will be taken. It is always best, in any dispute to send written correspondence by certified mail. Thereby having proof of your claim.

Even if you contact the creditor by phone, it's best to document everything in writing for your legal protection. Get the name of the person you are speaking with, then write a follow-up letter referencing the conversation, your concern, and your understanding of the agreement reached, if any. Be sure to provide any details, such as account and transaction numbers, and dates, as well as copies of relevant documentation needed to identify your account.

If you were unable to reach a reasonable agreement, explain in the letter (even if you already explained over the phone) what steps you believe should be taken to resolve the problem. If you have a physical address for the company, send the letter by registered mail. If the only address given is a post office box, request a street address. If the person you are speaking with refuses to give that information, document the lack of cooperation in your letter, then research the company's physical address online.

Keep copies of everything for your records. You may be required to provide proof of contact at some future date.

Remember, when two parties are in dispute, the other party is the adversary. They have an interest in ensuring the controversy is resolved in their favor, not yours. Do notexpect them to protect your interests; that's your responsibility.