FOIA applies to public access to governmental information.
I presume that their refusal to correct was in response to a formal dispute under the FCRA, and not just a call to them?
If you have not filed a formal FCRA dispute of its accuracy, that will at least compel them to provide you a statement that they have conducted a reasonable investigation, and have sufficient basis to find the reporting accuate. However, that wont compel them to provide their supporting documentation, but will at least put them on record as formally stating they have conducted a reasonable investigation that supports their verification of accuracy.
It is good business for creditors to assist their customers in providing prior account information, but since you receive regular billing from them, they have, in most cases, already provided the information and thus are generally not required to provide again. Perhaps your state consumer laws provide some requirement. You might contact your state consumer protection agency and inquire as to options.
Since they normally have no requirement to provide such information, another approach may be to file a complaint with your local BBB of what you consider to be a poor business practice rather than an actual violation of statute.
If those approaches dont bear fruit, then last resort would be to initiate civil action for inaccurate credit reporting, which as part of any pre-trial discovery process can give you court ordered discovery of evidence you need to prove your case.
