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.Get your free copy here! Address your letter: Write the date and lender's address at the top of the explanation letter, then address the lender or lending institution. 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. If you need to send a dispute letter to a credit bureau because they have mixed up someone else's information in your file, use this sample. Address the letter directly to the lender or the person who requested it. Facility name on the cover letter needs to match name on the FDEP permit application. Fill out a credit dispute letter and include supporting documents.