How to use the template: 1. In the sample letter, fill in your personal information.Get your free copy here! Learn how to write an effective collection dispute letter with our guide and templates. Create a credit dispute letter in seconds with Jotform Sign. Easy to share and customize. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. These are the actual letters I have sent. I'll note the situations for each letter in red. To Whom it May Concern: This letter is a formal complaint that you are reporting inaccurate credit information on my credit report.