I disputed debts I have that are reported to Equifax as they were opened XX/XX/XXXX and according to NH Statutes there is a three year statute of limitations on collecting debt. When I filled out the dispute there were no choices for this situation but I marked off the closest " incorrect amount '' and then left a detailed comment explaining the statute and that the debts have been on the account for 5 years. Equifax investigated but instead sent it to the collection agency as a dispute about the amount on the bill, instead of what I had written in the explanation section and it came back as denied. Now the collection agency appears to have changed the date on " collection opened '' to XX/XX/XXXX on the credit report to try and restart the statute of limitations.