The post references both an old electric company and Target as having reported a charge-off.
Did both report an inaccurate charge-off?
Additionally, it is not necessarily inaccurate to report a CO on a paid account.
If the account was delinquent and charged-off prior to it being paid, then the reporting could be accurate.
The date shown in your credit report is ony when they chose to report a charge-off. They do not report the actual date that did that accounting measure.
Thus, reporting of a CO after the debt is paid is not the same as reporting that it was charged-off after the debt was paid.
