Re: Obtaining copies of past credit card statements after default?
Hedwig nailed it. To reiterate, there is no law that compels an OC or CA to provide copies of account statements (unless you're going to court and getting into discovery).
Regarding the validation letter, those are only binding if sent within 30 days of the CA's initial contact. If you have only heard from the CA for the first time within the last 30 days then by all means send a DV ASAP via CMRR, but otherwise they are at best a shot in the dark.
I am not a lawyer, nor am I an "expert" or "authority" on anything. This post reflects my opinion only, and may be wrong or inappropriate. Always consult a legal professional for guidance.