This e-book provides templates for 21 most effective credit and collection letters that will help you communicate better with your customer. Use this sample letter to dispute mistakes on your credit report.I request validation of this debt per Texas Finance Code. I have disputed this debt with the credit reporting agencies and you continue to validate it. 1. In the sample letter, fill in your personal information. The prescribed forms are available in fill-in-the-blank format on this web site at UCC Forms. Our guide will teach you how to write a letter of explanation, plus offers a free template to help you write one of your own. See a sample credit dispute letter below. A demand letter is an effective way of completing this requirement. A demand letter can help you better organize your case.