Account status updated 3 years after charge-off?

[Anonymous]

So I have a settled charged-off account with CITI. The charge-off was settled back in April 2016. 

Last 7-8 months, I've been trying good will without any success. Last week I recieved a letter from CITI saying they won't reply to my letters anymore. I am still going to try.

This morning I recieved a notification from credit karma saying there has been a change to my report. I logged into CK and on my equifax report, it said that the "CITIBANK account has been removed". Though the account was still showing when I checked my accounts. 

So I decided to get my credit reports from annual credit. Unfortunately, the CITI account was still there on all 3 reports. The only change was, the status on EX and TU was updated on Dec 5, 2018. On my EQ report, it sayd that "deliquency first reported on Dec 01, 2018" and "Date reported on Dec 05, 2018".

Whats going on here? I thought they don't update the status once the debt has been settled. Did they consider my goodwill as a dispute? Even though, are they allowed to update the account after paid charge-off?

[Anonymous]

I've found many lenders to treat GW requests as disputes.  I ran into this many times with GW attempts through Synchrony and Wells Fargo also.  It's annoying, as it requires a second letter basically telling them to remove the dispute language, as you weren't disputing anything.

[Anonymous]

That is absoulutely correct. I tried your saturation method and was successful with Capone. But CITI has been PITS. 

Although, I understand that they do treat it as a dispute and sometimes add remarks such as "consumer disagrees". Do they really update the status though? Wouldn't it make it look like as if the CO just happened, in the eyes of FICO? Also my EQ shows the deliquency first reported date as Dec 2018. 

[RonM21]

Op, even after all of this, I don't blame you for still trying. Anything to try and clean up your profile. Don't be discouraged by them saying they will no longer respond.