<prompt> Human: Are they able to do that after 9 years? I thought the statute of limitations was 7.They are late fees from books that went missing. The fees were charged in July-ish of 2006 and have since accrued interest. I havent even thought of them for around 6 years until I noticed it appear on my credit report last year.Is there a way I can challenge this and get it removed due to the length of time since the fee was charged?  <response>: File a dispute with the credit bureaus for verify accuracy and past statute of limitations. Should be open and shut. 