Your dispute letter should include your full name and address, the date, and clearly identify the specific inaccurate item on your credit report (including the account number and creditor name). You should state that the debt was discharged in your bankruptcy, providing the bankruptcy case number and discharge date. Explain why the information is inaccurate (e.g., “this debt was discharged in my Chapter 7 bankruptcy on [Date]”). It is crucial to enclose copies of supporting documentation, such as your bankruptcy discharge order and the schedule of debts that lists the discharged creditor. Sending the letter via certified mail with return receipt is also advisable. The Kugel Law Firm can help you gather this information and draft a comprehensive dispute letter.