To clarify terminology, you first had an account with the OC. The OC can close their account with you and, if legit, also report any prior delinquencies you had with the OC under your terms of account agreement with them.
The OC can then do one of three things. They can continue to attempt to collect the debt themselves (some OCs will use their own internal "collection department" to pursue the debt, which, providing they use a name different than that of the OC account, is also considered a distinct "debt collector" under FCRA 803(6))), they can charge off the debt, or they refer further collection activities to a third party CA.
When a debt collector reports their collection, that is a totally separate "account," not with you, but between the debt collector and the CRA.
A third party CA cannot report delinquencies of 30/60+ since you have no account agreement with a CA. Only the OC account includes such reportings.
You state that you have no third party CA reporting to your CR, so it appears that the OC only took the first step. Did their internal collection department additionally post a "collection" to your CR?
So, as I understand your post, you paid the debt with the CO, so it is now satisfied, and thus there should be no debt for them to now place into collection with a third party CA.
However, paying that delinquent debt does not, in and of itself, bring the OC account back into open, good standing status. The OC account, under such conditions, would show closed, with status of zero balance. You would probably have to make separate request for them to reinstate the account to open status, snd additionally ask for GW deletion of the prior 30-day late.
Score wise, the 30-day late prior derog reporting remains for 7 years, and the account is closed and paid, which means you have lost the CL on that account in your % util calculation.
