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Mark Clayborne, founder of startupcreditrepairbusiness.com, introduces the concept of a creditor dispute letter in this tutorial. He distinguishes it from the debt validation letter and basic dispute letters to credit bureaus. A creditor dispute letter is a method to dispute negative items directly with creditors, such as Chase or Wells Fargo, rather than going through credit bureaus. These creditors are responsible for reporting negative information on credit reports, typically due to late payments. Clayborne emphasizes the importance of this approach for effectively addressing credit report inaccuracies, noting that he is not an attorney and does not provide legal advice.