I opened a line of credit with US Bank in XXXX XXXX. During the 7 years, I had the line open, I had exceptional payment history. In XXXX XXXX, I paid off entire balance from with final installment of {$520.00} ( per my monthly statement ). At that point, there should have been zero balance and no further activity on the account. I did not receive any further statements from the bank post my last payment of XXXX XXXX. It was not until XXXX XXXX, it was brought to my attention that there was an XXXX balance on my account that resulted a derogatory 30day late in XXXX and a 60day late in XXXX. I immediately paid the XXXX and a yearly fee on XXXX XXXX, XXXX and closed the account. In my view, reporting XXXX past due to the credit reporting agencies as 60 days past due, while US bank failed to send me statements during the months it was past due is a violation fair credit reporting act and FDCPA. 
