How to use the template: 1. In the sample letter, fill in your personal information.For example, the letter should contain their full name, contact information, and a clear explanation of what information they are disputing. Get your free copy here! A credit dispute letter is a formal document that businesses send to credit bureaus to rectify inaccuracies or outdated information in their credit reports. Use this form to ask a creditor reporting agency to correct error on your credit report. A credit dispute letter includes personal information and enclosures that help credit bureaus investigate mistakes. 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. It is essential to have a detailed credit dispute letter template to inform the bureau of the discrepancies and have it make modifications.