Dear City of Austin, Fiscal Surety Office: We,. 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. I dispute the validity of this entire debt. I request validation of this debt per Texas Finance Code. A letter of explanation can clarify your financial situation and get you one step closer to qualifying for a mortgage. This format is the basic form of a FCRA dispute letter and doesn't invoke any Fair Credit Reporting Act laws. Today's Date: Collector's Name: Collector's Address : RE: Account of. A pay for delete letter is a negotiation tool to have negative information removed from your credit report. Step 4 – Creating the Dispute.