How to use the template: 1. In the sample letter, fill in your personal information.Get your free copy here! This is a standard letter to eliminate the ability of credit companies to inquire into your credit report. Pennsylvania Free Debt Validation Letter. Use our debt validation letter to request the validity of a debt. Fill out a credit dispute letter and include supporting documents. 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. Which will guide you through the process of disputing inaccuracies on your credit report effectively. Watch out for the hype.