A charge-off is an internal accounting measure that requires the account be delinquent, and that they have basis for concluding that the debt has become uncollectible.
If they did the accounting measure prior to satisfactiion of the delinquent debt, it was, from what has been provided, a proper business act. Reporting of that action is unrelated to the ultimate payment or non-payment of the debt, and is not precluded from being reported or required to be deleted based on its reporting date.
I do not see a basis for dispute of accuracy of their having taken a charge-off, or of inaccuracy of their reporting based on when they chose to report it.
