Received a 1099-c Cancellation of Debt, yet still being reported.

[Anonymous]

One of the lenders I defaulted on several years ago submitted a 1099-c to the IRS to cancel the debt. I am now having to pay taxes on it as it is considered a type of income. Yet, when I look at my credit report, I see the closed account with a $0 balance AND a separate account with all the same information still open with the same balance due. It's like they "cancelled my debt" and then reopened it under a new account number.

This seems seriously fraudulent to me, but I'm having trouble disputing it through all the red tape. Any advice?

[RobertEG]

Is the second "account" actually a reporting by the same creditor, or is it actually the reporting of a collection by a debt collector acting to collect on behalf of the creditor?

[Anonymous]

The accounts are reported under the same company name, but separate contact information so I am not sure.