wilshire consumer cr Paid in full got tile back and they reported that we still owned money on my credit report Los Angeles Califiornia

In January  2012 we got a title loan from Wilshire Consumer Credit.   We paid in full in March of that same year. I GOT OUR TITLE BACK.  We are trying to rebuild our credit and they have on my credit report that we were late in making payments and it is a charged off account.  If we owed money still how did we get our title back.  When I sold the car it showed a clear title.  If this company does not remove this hit from my credit, I am going to report this to the California State Attorney General.  I would highly recommend that any and all others that feel this company has been fraudulent in dealing with you to write a letter to Califonia's Attorney General.  At the very least this could get an investigation of their dealings.