If your credit report is incorrectly showing a debt that was discharged in bankruptcy, this is a violation of the FCRA and NYFCRA. You should send a dispute letter to the credit bureau specifically stating that the debt was discharged in bankruptcy and enclose a copy of your bankruptcy discharge order as supporting documentation. The Kugel Law Firm can assist you in preparing this letter and ensuring it includes all necessary information. If the error is not corrected, we can help you pursue legal action to ensure your credit report accurately reflects the bankruptcy discharge.