New York City residents can use this letter to dispute a debt, to verify a debt under NYC law, and to tell a collector to stop contacting them. 1. In the sample letter, fill in your personal information.Make sure to include the certified mail number, which is on the receipt you get when you send the letter. Explain why you are disputing the debt. When you are finished, you can print your completed form. See a sample Answer Form for Consumer Credit Transaction. SAMPLE FOLLOW-UP LETTER. Use this letter if the credit reporting agency does not respond to your dispute letter within thirty days. Agency Fund - Credit Note Template (XLS, 39 KB), Agency Fund Credit Note Template. Agency Fund - Invoice Template (XLS, 40KB), Agency Fund Invoice Template.