This has probably been discussed on here, but I'm just looking to see if anyone has any feedback. About 15 years ago I co-signed on my ex-wife's student loan. Subsequent to our divorce, she settled the loan, and the IRS is now chasing me for payment on the amount from the 1099-C that was issued (from 2016). The lender has told me repeatedly (on at least 8 occasions) that there was never a 1099-C generated in my name. They have sent me copies of the 1099-C that was sent to her. The IRS, however, shows that the 1099-C income was electronically reported to my social security number, and they will not accept the 1099-C that I sent them in the borrower's name. The lender has indicated that because the amount of the forgiven debt is over $10,000, they report it to the IRS as income under all social security numbers involved in the loan. There has to be some way for me to be able to resolve this, as I received no benefit from the settlement, nor did I ever sign off on the settlement. Does anyone have any advice?