1. In the sample letter, fill in your personal information. Get your free copy here!I'm writing to dispute information on my credit report. Please see the attached copy of my report. Don't let bad credit scare you away from an apartment. Write a letter explaining credit problems to your landlord and get a fighting chance. Use this letter to demand that a credit bureau continue to investigate items you have initiated a dispute on. A 609 letter is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report. A debt validation letter is a written communication that a consumer sends to a debt collector or creditor to request verification and validation of a debt. Learn how to write an effective collection dispute letter with our guide and templates.