1. In the sample letter, fill in your personal information. Your letter should also include copies of important documents to help the bureaus conduct an investigation.Learn how to write an effective collection dispute letter with our guide and templates. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Get your free copy here! At the request of and for the account of our customer (Applicant - Name and Address) the. A letter of explanation can clarify your financial situation and get you one step closer to qualifying for a mortgage. To Whom it May Concern: This letter is a formal complaint that you are reporting inaccurate credit information on my credit report. In the letter, reference the date of the initial contact and the method, for example, "a phone call received from your agency on April 25, 2024. The Second Collection Letter Template.