What’s more, says Beam, there’s no guarantee it’ll work. A 609 dispute letter should always include your name, address and Social Security number. The opening paragraph should clearly state ...

A 609 dispute letter is a formal way to request more information ... That includes disclosing the sources of the information ...

Here's how the dispute process works ... send copies and keep the originals. Mail your letter promptly to the address your credit card company provides for billing inquiries, not payments.