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. This format is the basic form of a FCRA dispute letter and doesn't invoke any Fair Credit Reporting Act laws.It's formal practice to start a communication with "Dear" when addressing a group of unknown individuals. It is informal practice also. Dear Customer Service Department: My name is. Below is a sample letter. In general, be concise and stick to the facts. A letter of explanation can clarify your financial situation and get you one step closer to qualifying for a mortgage. Dear Ms. Edwards: Thank you for taking the time when you were in our Dover, Delaware, store to fill out a credit card application. You will need a cover letter whenever you send a resume or application form to a potential employer.