Chargeoff means nothing to YOU or to your credit report. It's a tax accounting thing for the lender. Foreclosure wipes out the security instrument (the lien) on the loan but doesn't erase the debt (in Maryland). They still can pursue collections against you for TWELVE years. The loan should however stop being reported to the credit bureas as of seven years from the delinquent date which should have been this February or March. The details as to the last payment is largely puffery.
Write back with what the credit bureaus tell you.

