1. In the sample letter, fill in your personal information. 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. A letter of explanation can clarify your financial situation and get you one step closer to qualifying for a mortgage. 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! Learn how to write an effective collection dispute letter with our guide and templates. Use this sample letter to dispute incorrect or inaccurate information that a business supplied to credit bureaus. This letter explains my credit history and why it is currently at (include your current or estimated credit score). In the U.S., there are three credit bureaus Equifax, Experian, and TransUnion that responsible for creating credit reports.