How to use the template: 1. In the sample letter, fill in your personal information.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. Use this sample letter to dispute mistakes on your credit report. A 609 letter is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report. I am writing in response to your letter or phone call dated . I do not believe that I owe this debt or what you say I owe. How to use this sample letter: 1. Read the background below. 2.