How can one loan get settled twice?

[Anonymous]

I have a credit card account that says it was charged off. I then made a settlement with them to show that it was paid in full. Two years afterwards it stated that it was charged off again? How is this possible? I disputed this to the credit bureaus stating that it was already charged off, but they did not do anything. This was about a year ago. Is there anything else I can do? Eric

[Anonymous]

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eric92106 wrote:
I have a credit card account that says it was charged off. I then made a settlement with them to show that it was paid in full. Two years afterwards it stated that it was charged off again? How is this possible? I disputed this to the credit bureaus stating that it was already charged off, but they did not do anything. This was about a year ago. Is there anything else I can do? Eric

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Settlement does not negate thefact that it was charged off.  Does it say 'settlement accepted on this account' in the notes?  If not I would dispute it with the CBs stating that the account has been paid and settled