Epic Contributor
Posts: 25,177
Registered: ‎03-19-2007
Re: Late payment demolished credit score

The primary tool available to consumers when billing disputes are at issue is not the FCRA, it is the Fair Credit Billing Act (FCBA), which has its own dispute process related to any issue of billing on revolving accounts. 

If you file a billing dispute under the FCBA within 60 days of a contested billing, it brings in to play the consumer right to require the credtior to produce documentation, which is not part of the FCRA dispute process.