AFAIK, you don’t need to send in the 1098 in when you file. Figure out how much you paid in interest last year, deduct it if it puts you out of the standard deduction range, and worry if you ever get audited.
1098/1099 is a convenience (for both the gov’t and you), not a necessity to figure your taxes. Yeah, you could sue, but don’t you have better things to waste your time with?
