See a sample credit dispute letter below. 1. In the sample letter, fill in your personal information.A 609 letter is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report. This sample letter explaining credit problems will help you focus your efforts when appealing to a property manager for an apartment. You have the right to add a statement to your file about it, either to dispute a mistake or to explain your personal financial debacle. Go to The Fair Credit Act website to get a free template for Section 604. Fill this out, DO NOT SIGN it. 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. I demand that you send me a copy of my updated credit report showing the elimination of the items, which I disputed on the attached letters. 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.