Which of the following best describes the responsibilities of furnishers under the FCRA?

The responsibilities of furnishers under the Fair Credit Reporting Act (FCRA) primarily include the obligation to provide accurate information to consumer reporting agencies. This means that any entity that furnishes information about consumers to credit bureaus must ensure that the data they provide is accurate, complete, and up to date. The accuracy of this information is crucial because it directly impacts consumers' credit reports and, subsequently, their ability to secure credit, loans, or financing.

Furnishers must also investigate any disputes regarding the accuracy of the information they submit when informed by a credit reporting agency. This is part of the consumer protection mechanism established by the FCRA, designed to give consumers the right to challenge incorrect or misleading information on their credit reports.

The other choices do not accurately capture the responsibilities outlined in the FCRA. For instance, furnishers are not limited to providing only negative information, nor are they solely subject to state laws without regard to federal regulations, and their responsibilities encompass all information rather than limiting how it is shared across state lines.