“ The customer further went on the state that the consequences of the complaint were not limited to being barred from its services, but even went as far as damaging the user's credit report by making an old, already settled debt appear again, a tactic called re-aging to ruin someone's credit score and make it almost impossible to get approved for loans or even credit cards. The list is not visible to the public and is then used to show hostility to any report made to the external authorities.
Verizon, in its defense, responded by saying that the account in question was already in collections when the customer decided to pay it off, and it did not do anything illegal, but followed the Fair Credit Reporting Act (FCRA) which does not allow companies to remove negative history of someone's credit report just because they paid off the debt. Nonetheless, Verizon could have shown more leniency instead of taking harsh measures that could have caused lasting damage.”
If you pay off a discharged collection, it will re-age the debt. Hope this helps.