People who don't use credit at all for 15 years don't have a perfect credit score. Why? Because there is no record there of using credit and paying it back on time.
That one small debt doesn't "ruin" your credit, though it does lower your score. And as pointed out before, after 15 years of no credit use they won't see many years of "perfect history". What they see is years of not using credit, and that is not the same thing.
If the report to the credit bureau is accurate then there is nothing that a court or any government agency can do for you that will get it removed. If the credit report is not accurate and the creditor will not remove it, that may violate the federal Fair Credit Reporting Act (FCRA). you may complain about that to the Federal Trade Commission (FTC) and you may sue for FCRA violations in either federal district court or Kansas district court
If you pay the bill, then once the credit report shows it is paid your credit will immediately improve. There won't be a very long lasting impact from this.

