Auto Loan Reporting as Collection

I have a quick question, my friend doesn’t use Reddit so I’m asking for him since she isn’t sure what to do. She has an auto loan that is showing closed/repossessed, charged off, but she has her car and has been making payments. She’s talked to the lender and they haven’t changed it, she’s disputed it as well with evidence of the contract and payments but it remains unchanged. What course of action does she have? For reference it’s been this way since August of 2025