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Reporting company used your report improperly. I've been fighting these XXXX points for a few months now, and my credit report 's current condition is keeping me from being granted the credit I'm due. Problem # 1 : My address is incorrect. My only residential address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Please correct this Problem # XXXX : XXXX XXXX XXXXt # XXXX As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a d