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Mark Clayborne, founder of startupcreditrepairbusiness.com, introduces the creditor dispute letter in this tutorial. He distinguishes it from the debt validation letter and basic dispute letters sent to credit bureaus. A creditor dispute letter is used to challenge negative items directly with creditors like Chase, Wells Fargo, Macy's, and Walmart, who reported the information to credit bureaus due to late payments. Mark emphasizes the importance of understanding this process for credit repair but advises that he is not an attorney, indicating that legal nuances should be approached with caution.