The charge-off reporting reflects only the fact that, at that point in time, they considered the debt as uncollectible, and shifted it in their accounting books from a receivalbe asset to an uncollectible bad debt. In doing so, they reduced their taxable assets. Their internal business.
Subsequent payment of the charged-off debt does not eliminate the fact of their prior business action, and thus does not require deletion of that reporting.
How they deal with the payment involves additional bookeeping on their part by now requiring them to declare the payment as an asset. Their issue, not the consumer's.
You can ask that they delete reporting of the charge-off based on payment of the debt, so yes, a GW request is your option.
However, you face the obstacle of their reporting agreement with the CRA, in which they are instructed not to delete prior reporting based on payment of the debt.
A GW request for deletion based on payment usually has a better chance of acceptance if you can get it to the desk of a management official with the authority to grant exceptions to their CRA reporting obligations.
