Although it does seem like you are correct , well you are not.
YES, a bank can not list the debt more then once. HOWEVER, if they sell the debt then the new creditor can post account with a NEW account number on your credit report.
The bank has charged you off as a loss. They are NOW done reporting on you. You never paid them.
NOW a collection agency purcheses the charge off (perfectly legal) and goes after you for the debt (again very legal)
No laws broken here, sorry

