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It was in collections and perhaps the 2nd or 3rd agency by then. It already is on his credit report as 30,60,90,180 etc. from original company. Agency just bought it cheap and possibly sold it a few times until you get what you see. A crazy ass offer to collect something. The agency will also report back that it was paid (not sure about paid in full - agencies are often as crooked as hell). The may tell company they got paid in full so it can be removed now etc. Company itself well... their report can say otherwise.
However yes if you do not care about your credit report, credit, etc. Then sure being responsible makes no sense.
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