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If they never gave you notice of the debt and you can show they had the proper address, you can indeed argue that you should not owe the late fees, but this is something you need to fight with the billing department and negotiate. If you do not negotiate these fees away, while it is likely that you could get them removed, you would only be able to do so by going to court against them and suing for removal of that fee through their negligence. Unfortunately, under the Fair Credit Reporting Act, they claim the debt is valid, you claim it is not, so you would not have a claim under that Act.
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