1. In the sample letter, fill in your personal information. See a sample credit dispute letter below.I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. This stepbystep guide will take you through all the necessary details you must know to successfully dispute any error 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. Get your free copy here! This Letter of Credit is being issued as the School wishes to confer degrees subject to Texas. Gather any information you have about the debt. Formally disputing an error involves writing a formal dispute letter to the creditor as well as the appropriate credit bureau reporting the inaccuracy.