I disputed errors and the credit bureau refuses to remove them; I am in Oklahoma. How long can negative information remain under FCRA reporting limits?
FCRA requires bureaus and furnishers to reasonably investigate disputes — willful violations carry statutory damages of $100-$1,000 plus actual damages plus attorney's fees, and Oklahoma statutes often add layered remedies. Send disputes in writing with documentation; the 30-day investigation window starts when the bureau receives the dispute.