I believe you're correct on this. Maybe it involves two different players. But it's an A-B-A situation and goes in the highly unlikely category.
A 1/10 @ A5. Running back A34 runs to the A7 where he fumbles. B93 picks up the ball and runs, but then fumbles at the A2. The ball rolls into the end zone where QB A12 picks up the ball and runs. A12 is still in the end zone when he fumbles and the ball goes out of bounds over the end line.
So A12 isn't responsible for the ball going across the goal line because B93 was. But after possession was regained he was at fault for the ball being loose behind the goal line. I certainly don't know if this is what is intended or correct but none the less.
A12 was NOT responsible for the ball crossing his goal line and then becoming dead behind his goal line. So, even though he was the last player in possession of the ball, and he fumbled the ball, the impetus for the ball having crossed the goal line (where it then became dead behind the goal line) was B93's fumble. The result of that down is a touchback.
The key is that, AFTER the impetus is imparted on the ball, that impetus must cause the ball to be on/above/across (behind) the goal line AFTER being in, or getting into, the field of play, even if that means the ball must leave the end zone, travel into the field of play, then - somehow - travel back on/above/across (behind) the goal line.
A player that gains possession of the ball in his end zone, then fumbles, passes, or kicks the ball and it goes OB from his end zone - without traveling into the field of play - is NOT responsible for the ball being dead in the end zone. In all of these cases, the NATURAL result of the down is a touchback. However, in the cases of a forward pass (illegal) and a kick (illegal), the penalty will result in a safety.