Good luck on disputing these things. I have been locked in a battle with several credit card companies for two years showing charge-offs of IIB items. Though they aren't showing that way on Equifax and TransUnion, they are on Experian. Disputing with Experian, they say they are accurate. Contacting the companies, and they tell me that they did have to charge them off (legal requirement) so they are going to report them that way.
Talked to my lawyer about lawsuit and he says it will cost me more money to sue than would be gained in the suit.
FTC has no hard rules on this that I can find, so on at least one credit report, they are going to show Charged-off after the bankruptcy was filed.