30 day late on an old account. Not Right?

I have an old Auto account that was closed in 2004 paid in full, I had never noticed but the very last and final payment they say was sent in on the 35th day and was late. I don;t remeber ever being later especially with the final payment. I ask them to send proof that it was late or any validation. They replyed "We are not required to provide copies or receipts. I am asking them to validate this 30 day late. They are refusing. Isn't that a vaillation of the FCRA? Or the FDCPA? Anyone? PS> Since this was 2004, I don;t have the old bank statements or returned check. (Shame on me I Know)