In 1996 we filed Chapter 13. Included was an account which CitiFinancial took over.. My problem is that they reaged the account stating it was opened in 1999. It was then listed as a Charge Off after our Wage Earner Plan was completed..(It showed IIB before) I had disputed it and written to the Attorney General on the matter in which CitiFinancial stated they would delete since they have no loan documents. (I have the letter) They tried to claim that I refinanced the loan in 1999 during bk! Well, they did delete it, but reinserted it as a paid charge off. When I disputed it again, it came back verified. Itâ€™s still on my report and I just donâ€™t know what to do anymore. Help me please?!