My first reaction would be that the OC stopped efforts to collect because the debt was most likely sold to the debt collector rather than simply assigned to them for collection assisttance. Does your report indicate that it was sold, or has the OC updated their reporting to now indicate $0 balance?
The significance of sale of the debt would relate to who you can pay or offer a PFD, and not whther the debt is sitll owed.
Taking of a charge-off does not relieve the consumer of continued obligation for the entire debt, so it is still owed to someone.
If sold, the OC is finished, other than updating their reporting to show $0 debt owed to them. You could no longer pay them, and thus you could not offer a PFD to them for deletion of their reporting of the charge-off.
It is not stated whether the current debt collector who offered a settlement has yet reported to the CRAs.
If they have, you can offer them a PFD for deletion of any such reporting.
If they have not, you could offer than payment in exchange for their NOT reporting.
In either event, the debt collector cannot agree to any reporting that was made by the OC, such as the charge-off.
You would have to request a GW deletion from the OC is they no longer own the debt. Having taken a loss on the debt, obtaining their GW may be a bit tough.....
