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Their investigation did not fix an error on your report. collection accounts- In your letter, say its illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. I never received a 1099-1. Remove this information from my consumer reports immediately. XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$290.00} Late Payment 15 U.S.C 6802 Gramm-Leach-Bliley 15 USC 6802 ( a ) ( a ) Notice requirements Except as otherwise provided in this subchapter , a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a