Calcified Fragments are tracked by Account not Character.
Therefore across your characters you've found 45, but on that character you've only found 44.
This means you've found one on a different character that you've not found on that one.
English
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How do I figure out which one I don't have? DO I just go through the list again??
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There is no way to know for sure. Running through all of them is the only option unless you remember what you've already collected.