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Apparently I owed US BANK $681.00 from 2005. I noticed that on 11/01/2012 a collection agency had reported 2 opened accounts (1 of the accounts was for $681 and the other was for $781.00). I called the collection agency and they said the $781.00 was interest from 2005 until 2012. The collection agency did not have any of my 4 previous addresses or any phone number to contact me so they reported it to the credit bureaus. How can US BANK turn the account over to this collection agency and not give them an address or phone number? Also, the 2 accounts in collection are for the same (original) US BANK account. I thought they could only report it to the bureaus 1 time. Why did it get reported twice. I disputed it because I didn't know what it was before I called the CA.