1. In the sample letter, fill in your personal information. Use this sample letter to dispute incorrect or inaccurate information that a business supplied to credit bureaus.Under the Fair Debt collection Practices Act (FDCPA), I have the right to request validation of the debt you say I owe you. For example: "I am writing to request validation of the alleged debt that you have contacted me about." Get your free copy here! Learn how to write an effective collection dispute letter with our guide and templates. Below is a sample letter to help you craft your own letter. Send the letter via certified mail and keep the return receipt for your records. Below you will find samples of the four types of dispute letters we outline above. You can download a template letter in Word for each type of dispute.