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You will have to submit a dispute with the credit bureaus which ever one is showing the incorrect information (experian, equifax, and transuion). You can submit it in writing with supporting documents showing the charged-off ( make sure you show the error by circle it) or you can go to their website and submit it.

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Q: A credit card company has reported charged-off as bad debt 3 times in the last 4 months the only account you had with them -- so how do you complain about the extra reports?
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