I've decided to look through my own credit reports (Experian, 3-in-1) and found that I owed money to a hospital (Samaritan Hospital, Troy NY) I was once treated at, but never received a bill for - most likely due to the fact that it was a fraternity hazing event that left me injured and I moved out of the house ASAP. Since then I've paid the original creditor and the collection dropped off my Experian credit report completely but still showed up on both my Equifax and TransUnion as open and unpaid (with $482 and $483 amounts respectively.