I presume the lates occured based on billings to a credit card?
Issues related to billings on revolving accounts are covered under the Fair Credit Billing Act (FCBA), which provides a comprehensive dispute process of its own.
With credit card accounts, sending of billing statements is the notification to the consumer. They are not required to separately send notices of delinquency apart from their next billing statement, which shows any delinquency on the account.
That begs the issue of whether you properly notified each creditor of your change in billing adrress when you relocated, or made other provisions to have your important bills forwarded to you.
If you provided proper notification and the billing statements were not sent to you, you should look into a dispute under the FCBA.
Such disputes normally must be made within 90 days of the billing error. Check out the FT web page for details on the FCBA dispute process.
If you dispute the accuracy of their reporting under the FCRA, they need only investigate and provide a determination as to its accuracy.
The FCBA dispute process has requirements for production of documents related to a dispute that are not part of the FCRA dispute process.
