In XXXX XXXX, I enrolled in XXXX Debt Relief. In XXXX XXXX, XXXX followed their policy and charged off my account in XXXX XXXX. In XX/XX/XXXX XXXX, I received XXXX XXXX from XXXX canceling the debt owed for each card to include as income on my XXXX Tax Return. During XXXX XXXX, I reviewed my credit reports and determined all three credit bureaus were still carrying the amount owed on these accounts as balances. Based upon the Identifiable Event Code ( Box XXXX ) listed on the XXXX, XXXX has marked a code of " XXXX '' Instructions for filling out a XXXX states the following XXXX Decision or policy to discontinue collection. XXXX XXXX is used to identify cancellation of debt as a result of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. For purposes of this identifiable event, a defined policy includes both a written policy and the creditor 's established business practice. I have attempted to dispute these items but XXXX says I still owe the monies for these cards. Based upon the Identifiable Event Code, XXXX has followed their policy and canceled the debt. A cancelation of the debt per the IRS is the debt is no longer valid. When discussing the results of my case dispute, I was told the credit bureau utilized the response of the creditor without question, no matter what my argument was.