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Discover Bank / credit agency reporting

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As of the end of January 2017, Discover has informed me that they submitted a 1099C on my debt to them from 2012.
I have authorized Discover to communicate with the three credit bureau agencies. The agencies reported back that two of the three were denied communication regarding my account.

I then requested a letter stating that I owe no money to Discover. They provided me with a letter stating the account balance of $1200+. This is the amount they have reported to the IRS as a loss on the 1099C. If they have charged off the debt, I no longer owe the debt. Therefore, there should be no problem issuing the letter stating I owe $0.

My husband and I have made several attempts to contact Discover, leaving messages for several people with a small percentage of returned calls.

We will be reporting this situation to the

Pa
Apr 03, 2017

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