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. See a sample Answer Form for Consumer Credit Transaction.NYC Department of Consumer Affairs. If you got a summons that says at the top the words: "CONSUMER CREDIT TRANSACTION," then you or your lawyer must come to court to answer. New York City Corporation Counsel's Office. 1. In the sample letter, fill in your personal information. This sample letter explaining credit problems will help you focus your efforts when appealing to a property manager for an apartment. The CFPB complaint database, credit card plan survey and agreement database are good places to start if you are shopping for a credit card. Providing a letter that explains your credit can help if you have a low credit score. Use this sample letter to get your next apartment.