Thanks for the phone number. Although I wrote these people almost 2 months ago, I have never received an answer. I will the call the number and see what is up. I never received a 1099c and didn't know about it until IRS sent me a letter saying I didn't list it as income.
However, from what I can tell, If you can prove that you were insolvent on the date that you supposedly paid off this company (i.e. your liabilities were greater than your assets), the amount someone is claiming as income to you will be deleted. I hope I've read that correctly. The account number also starts with a 5400 # and I looked at my credit report for that tax year and could find no such number. Let's stay in touch - maybe we need to file a class action lawsuit against these folks. My big question is, how'd they get my social security? Oh, btw, the amount they reported was $2975.