Honestly......even if they changed it to "settled in full", it will not help your score any since there is a notation of a charge off.
The only thing that's going to improve your CR is if they remove the charge off notation and report it as paid in full (or at least just paid).
I think since you've kinda got an inaccuracy......you could just dispute it first and see what happens. I don't think I would send in any proof of payment.... maybe just stating that the account was settled and paid in full......plus any other errors you might see (dates, credit limit, balance, etc.) Then you can always go after the OC later depending on the investigation results.
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