Why Do I Need to Write a Dispute Letter? 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.You may have a blank form that you need to fill out on your own. Read this article to learn more about how to fill out a blank court form. Use this sample letter to dispute incorrect or inaccurate information that a business supplied to credit bureaus. Your credit history helps lenders know how you've handled debt in the past. Explore our free tool. We'll cover how to easily write a gift letter (using our gift letter template), as well as the rules you need to know about gift funds. A letter of explanation consists of short descriptions you can use to fill in the gaps in your paperwork for your underwriter. You may need to fill out and attach a separate Notary certificate if there is no room on the document for your Notary signature.