In order for then to report you as a charge off they must send you a written notice which you have 30 days to respond, did you recieve this and blow it off like many of us have because you knew it was incorrect?

Something doesn't make sense here.

Whomever put the charge off on your credit report request copies of all communication to you, and go from there you need facts before you blow your wad because it could be your fault, if it is your fault PM me and I will help you out I have a knack for busting those balls.