How do I correct this?

[badcredithelp]

I have a CO for Target that was paid back in 2006, the account was closed in 2005.  I sent a GW letter asking if they would stop reporting this account, but when I checked my credit report today not only is the account still there, it has been updated to report it as a charge off as of October 2008!?!?  So, I have sent a dispute through Ex, but should I also send an ITS to Target as well for inaccurate/illegal reporting?

[llecs]

They are reporting accurately. Even after paying it, it can stay on your reports for 7-7.5 yrs from DOFD. Whenever you send a GW letter, dispute, PFD, etc. the TL will update the account. It hasn't been re-aged, just updated.