In this article, we'll show you how to place a security freeze on your credit with all three main credit reporting bureaus: Experian, Equifax and TransUnion. These are the actual letters I have sent.I'll note the situations for each letter in red. Add an enclosure notation after your signature at the end of the letter, and abbreviate it with "Enc." or "Encl. It is essential to have a detailed credit dispute letter template to inform the bureau of the discrepancies and have it make modifications. In this article, I'll walk you through the specific steps to freeze your kids' credit with all three major credit bureaus: Experian, Equifax and TransUnion. 1. In the sample letter, fill in your personal information.