It is unclear as to specifically how it was reported to show "charge off 04/2018".
More specifically, is the CO being reported under payment history as its status for a prior month, as the current status, as the payment rating, or as some other code, such as the balance at time of charge-off?
The fact that updated reporting was provided in 4/2018 that included reference to the fact that the account was charged off may of may not contain inaccuracies depending upon how or what was reported regarding the CO.
For example, there is no reporting of or code for storing the date of a charge off. A creditor reports only that a charge off was taken at some prior point in time. The CO can then be reported for each month as the delinquency status until it is paid. Thereafter, the current status would no longer show CO, but the prior payment history profile would still continue to show CO for any prior month that it remained unpaid and a prior charge off was taken.
The CO continues of record in the credit file after it is paid and continues to impact scoring until it is excluded at approx 7 years from DOFD.
What, exactly, is the reporting code that referenced the fact of the prior charge off that is asserted to be inaccurate?