1. In the sample letter, fill in your personal information. New York City residents can use this letter to dispute a debt, to verify a debt under NYC law, and to tell a collector to stop contacting them.Use this sample letter to help you write your dispute letter. 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. A credit card authorization letter gives someone permission to use your card. Learn how to write one, and when it's appropriate to use it. Learn how to write an effective collection dispute letter with our guide and templates. The Division has published sample letters on this webpage that can be used to make your request for a security freeze. Use this sample letter to dispute mistakes on your credit report.