I am writing to inform you that I disagree with all debts you are collecting on or are placed with your company, in my name. 1. In the sample letter, fill in your personal information.A 609 letter is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report. It is worth exploring whether the debt is too old for them to sue you on it. Consider seeking a consultation with an attorney that handles debt defense. Contact Us. 1 Free Consultation; 2 No Fees Unless You Win; 3 Phone and Zoom Consultation Available. One way to fix an error on your credit report is to write a credit dispute letter and mail it to one or more credit bureaus. Learn the key elements to include in a dispute letter under the Fair Credit Reporting Act (FCRA) to challenge inaccurate information on you. This will be our second part of our series on really identifying in the disputing credit report errors. These resources are designed to be filled out without the need for a lawyer and can be a reliable source of legally sound documents.