Dear [Creditor's Name], I am writing to formally dispute the balance on my account with your company. After reviewing my records and statements, I have noticed discrepancies regarding the amount owed. I kindly request your assistance in resolving this issue promptly. Upon careful review, I believe that there may have been errors or misunderstandings in the calculation of the outstanding balance. Enclosed with this letter, you will find documentation supporting my claim. It clearly indicates prior payments made, adjustments that have not been reflected, and discrepancies in the fees charged. As a resident of Ohio, I would like to bring to your attention that there are specific regulations outlined by the Ohio Attorney General's Office regarding the resolution of disputed balances. The Ohio Revised Code, Section 1349.72, requires creditors to investigate and resolve customer disputes within a reasonable timeframe. I kindly ask that you follow the procedures set forth by the Ohio Attorney General's Office to ensure a fair resolution. Under Ohio law, you are obliged to acknowledge receipt of this dispute letter within 30 days and provide a written response within 90 days with a detailed explanation of how the disputed balance was calculated. Failure to comply may result in legal action and damage your credibility as a creditor. In adherence to the aforementioned regulations, I expect your immediate attention to this matter. I urge you to promptly investigate and rectify any inaccuracies in the outstanding balance. I would appreciate your cooperation in amicably resolving this issue before considering any further actions. Please direct all correspondence regarding this dispute to my mailing address provided below. Furthermore, I request that you refrain from any adverse actions, such as reporting inaccurate information to credit reporting agencies, until this dispute is fully resolved. Thank you for your immediate attention to this matter. I trust that you will demonstrate your commitment to resolving this dispute in accordance with Ohio state laws. Sincerely, [Your Name] [Your Address] [City, State, Zip Code] [Email Address] [Phone Number] Note: In Ohio, there is generally one type of Sample Letter for Disputed Balance Notice applicable to any disputed balance with a creditor. However, the specific content and details included in the letter may vary based on individual circumstances and the nature of the dispute.