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I'd leave it alone. You do owe them money. A charge-off is an accounting term meaning they have declared it uncollectible on their books. They can easily "write it on" again if they ever collect. It does not mean there is no balance due them or that it has been paid off.
If they sell or assign it to a CA, then they should report 0 balance and "sold or transferred." Then the CA could have a separate tradeline with the balance.
In my opinion, it's reporting correctly.
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The answer is 42!!
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