Formally disputing an error involves writing a formal dispute letter to the creditor as well as the appropriate credit bureau reporting the inaccuracy. 1. In the sample letter, fill in your personal information.The dispute letter requests the immediate removal of five accounts from the recipient's credit report and questions the validity of a credit inquiry. Stop debt collector harassment with our step-by-step guide on writing a cease and desist letter. We'll walk you through how to write a demand letter for payment below, with sample demand payment letters and tips for professional, effective messaging. If you need to write a request letter and don't know where to begin, check out our handy guide below to make your letter more professional and persuasive. Need help with writing a letter requesting financial assistance? Check out our sample letter and templates to get started. If you've stopped paying your creditors for unpaid debts, they will likely report your account as a charge-off after four to six months of non-payment. Cautionary Notes: Credit card authorization letters should not be used casually, especially for friends or family members.