I have an account on my CR's that shows a $0 balance and charged off on 2 CR's, but on the 3rd CR it shows the same account as having a balance of $5230 and 180 days late. Is this something that I can dispute with that one CB that has a balance? How can they report to 2 CB's that the balance is $0 and charged off and then report to another CB that I have a $5230 balance and 180 days late??? Thank you for any input.