How do you write a letter of dispute to the original creditor as opposed to the credit bureau?

Check your statements and get the address. Or check the back of your credit card and call the 800 number. One way or the other,get the address and simply write to them. You have the right to dispute any item in question with any original company. In fact, if you choose to dispute it with the credit bureau and it does not work out the way you like, then the next step is to contact the creditor(orginal company) to dispute it. So why not start there?

(Here is a sample offered by another contributor:)

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To Whom It May Concern

On February 19, 2005 I signed up with Sprint over the phone. I was told I was going to get the 4 phones free of charge. I called a week later to add an additional phone, as I didn't originally realize I needed 5 phones. The gentleman I spoke with assured me that I would get the same deal. He said your 4 phones were free, so this one would be too. I also pointed out shipping was waived and that I would only be charged a one time activation fee. When I received my invoice, there was a 29.99 charge per phone. I immediately called Sprint to dispute. I explained what was promised to me over the phone, as being free of charge. She said the charge was tax on the phones. I was told that a manager by the name of Travis would contact me within 2 business days. I have yet to hear from him. One month later I received my credit card invoice. This was the card given when I requested an additional phone, making a grand total of 5 phones. There was an additional $35 activation fee on top of the one charged on my Sprint invoice. In conclusion, I believe I have been charged the $35 activation fee twice as well as 29.99 per phone that I was not previously advised would be charged. Please advise me the steps to be taken to remedy this situation.

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