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Account status incorrect. To Whom It May Concern : I am writing to formally lodge a complaint and demand immediate enforcement action against Sun Loans for violating federal law regarding credit reporting practices. Specifically, Sun Loans continues to report a charge-off on my credit report dated XX/XX/year>, yet has failed to provide me with a Form 1099-C, which is required under Internal Revenue Code 6050P when debt is discharged or canceled. Sun Loans failure to issue a 1099-C while maintaining the negative report of the charge-off on my credit report is a clear violation of federal regulations. This conduct not only reflects a disregard for their obligations under the Fair Credit Reporting Act ( FCRA ), but it also potentially misrepresents the status of the debt, causing unjustifi