@user17705090320 , all my red/ purple flags go up with this .
(a) I do not believe that any legitimate US entity is going to issue a loan based on ITIN --- which is generally only for purposes of filing a return OR identifying/ withholding taxes on investment/ passive earnings of an NRA. I find this very surprising
(b) In the process of confirming that entity's record of customer/client, you provided your SSN and DoB. Now that is available for usage. What are they doing with that info ?
(c) Did they actually send a 1099-C to the IRS ? Without your SSN , it does not get connected to your IRS account -- so why did they send it to you?
For purposes of 2025 tax filing , you can ignore the whole 1099-C. If IRS sees one with your SSN & name etc. then they will send you a notice--- you can then show them the letter from the entity.
However, because you have now exposed your SSN, DoB, Name and address ----- you need to watch out for abuse of the information. Just keep a careful eye on all things financial.
I may be totally and absolutely wrong and being paranoic ( and that this is perfectly normal / legal entity ) but there are so many tricks and games out there that I am leery of nay of these things.
Is there more I can do for you ?
