1. In the sample letter, fill in your personal information. Examples of dispute reasons you can use are follows: The Account does not belong to me.The account payment history is incorrect. A letter of explanation is a request from the lender to explain certain credit items that have shown up in your loan documents. Use this sample letter to dispute mistakes on your credit report. Below is a sample, fillintheblank letter that you can use as a guide for disputing a debt with a collector. 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. A 609 dispute letter points out some inaccurate, negative, or erroneous information on your credit report, forcing the credit company to change them. Keep your letter of explanation simple and to the point. Your lender simply wants to know the reason behind any recent credit inquiries.