If a credtior sells a delinquent debt, they are required to promptly update the reported debt balance owed on the account to $0.
They cannot thereafter update the balance to a non-zero amount, as they no longer own the debt.
If a creditor previously updated a debt balance to $0 after they took a charge-off, and they still own the debt, then they can later update the current balance to its current, actual amount. Perphaps their prior update to $0 was simply an error that they are now correcting.
The issue for requiring update to $0 is whether or not you have proof that they have actually sold the debt, and thus you no longer owe a debt to them.
Prior inaccuracy in prior reporting does not establish an updating reporting as being factually inaccurate.
