Write to the creditor at the address given for “billing inquiries,” not the address for sending your payments. Include your name, address, account number and a description of the fraudulent charge, including the amount and date of the error. Send your letter so that it reaches the creditor within 60 days from when the first bill containing the fraudulent charge was mailed to you. If the address on your account was changed by an identity thief and you never received the bill, your dispute letter still must reach the creditor within 60 days of when the bill would have been mailed to you. This is why it’s so important to keep track of your billing statements and immediately follow up when your bills don’t arrive on time. Send your letter by certified mail, return receipt requested. This will be your proof of the date the creditor received the letter. Include copies of sales slips or other documents that support your position. Keep a copy of your dispute letter. The creditor must acknowledge your complaint in writing within 30 days after receiving it, unless the problem has been resolved. The creditor must resolve the dispute within two billing cycles after receiving your letter.