1. In the sample letter, fill in your personal information. Learn how to respond effectively to a court summons in North Carolina for debt collection.One way to fix an error on your credit report is to write a credit dispute letter and mail it to one or more credit bureaus. I have sent in a validation letter. 560 et seq.), known as the Virginia Erosion and Sediment Control Law. Check out the CFPB's many other resources on credit reports and scores.