This just happened to me today. I received a call from a collection agency for a JC Penney account that had gone unpaid from when I moved from Colorado in May of 2006. I'm still in shock.
Just like Irene, I had flawless credit which I have spent a lifetime protecting and JC Penney just ruined it. How could they find me with one phone call, but not be able to do that before it went to Collection. I know they run credit inquiries on accounts all the time, why didn't they just do that, because that would have shown my new address.
I still don't know how it happened - I did have a change of address with the Post Office and a forwarding, I never received a bill or a statement and honestly I don't even remember a charge with them.
This is no way to run a business.