Look closely at the account information to see if there's incorrect or outdated information. For example, check credit limits, the date you opened the account, when payment was last made, etc. Errors are often found in the details.
Regarding the dispute letter, there are some examples you can check out in the Sample Credit Repair Letters Section. Keep it simple though and dispute something specific.
Any of the individual pieces of a tradeline could be inaccurate or incomplete.
An educated consumer.
Why Time Barred C&D = Delete
Pulls and PRMs
Daniel Webster: You seem to have an excellent acquaintance with the law, Sir.
Scratch: Sir, that is no fault of mine. Where I come from, we have always gotten the pick of the Bar.
The Devil and Daniel Webster, Stephen Vincent Benet