Can a creditor report a debt to the credit bureaus if the statute of limitations is expired and it has not been reported to the credit bureaus thus far?
Yes, if there is a legal contract saying that the money is owed it can be reported to the credit bureau. It is up to them to determine if it falls under American Law.
Creditors may report any time there is activity on your account, if a credit report is pulled [for a credit application] or if payments are made late.
Capital One may report every month whereas a...
This article has links at the bottom for to dispute a credit error for each of the 3 credit agencies.
http://www.ehow.com/how_2250756_contact-credit-reporting-agencies-online.html