The IRS is reporting 0.00 income to all credit bureaus to reflecting them as debts owed leaving me a negative amount.
That just doesn't make sense. If the amount reported to the credit agency is zero dollars and zero cents, where is the "negative amount" in there? Just a rhetorical question really, because the IRS doesn't report anything to any credit reporting agency. In fact, I'm not sure they bother with that even if you owe back taxes.
If there is incorrect information on your credit report, then it's up to you to deal with it. You have to pull your report from each of the three credit reporting agencies separately, and then challenge/dispute each separately.
For Transunion start at https://www.transunion.com/
For Experian start at https://www.experian.com/
For Equifax start at https://www.equifax.com/personal/
Now you will have to read the information presented so you will know where to click for information/procedures on challenging/disputing incorrect information on your credit report. Remember, it's *your* credit, and nobody else will do this for you. It's all up to you.
