Credit reporting or other personal consumer reports — Bread Financial Holdings, Inc. (PA)

Account information incorrect. This chargeoff is being reported with a past due balance. It is against FCRA to report it is a charge off to be reported on a credit report with a past due balance. The information you have reported to all three credit bureaus does not match. They are all different. Canceled debt is considered income and it is illegal for income to be reported on a credit report. I never received a 1099. I need to see the contract between this debt collector This account needs to be removed from my credit report for inaccuracy and breaking FCRA laws