On XX/XX/XXXX, I submitted a dispute to Equifax regarding XXXX XXXX XXXX ( ACCT # XXXX ) and originally requested that the debt be validated. There response was received after 30 days on XX/XX/XXXX stating " This creditor has verified to OUR company that the balance is being reported correctly ''. I submitted my dispute online after receiving this as requested another investigation disputing the date of the first delinquency. On XX/XX/XXXX, after my own investigation with XXXX XXXX XXXX, and the City of XXXX where the home was purchased, I informed Equifax that XXXX under the Fair Credit Reporting act misrepresented the debt owed as my last payment to XXXX XXXX XXXX was XX/XX/XXXX and my first delinquency was in XX/XX/XXXX. The debt was never brought current or paid on after XX/XX/XXXX to XXXX XXXX XXXX or any creditor. According to the Fair Debt Collection Practices act ( [ 15 USC 1692e ] ; 807 ) XXXX XXXX XXXX can not legally make false representation of " the character, amount, or legal status of any debt ''. They are in violation of this act 1 ) the statue of limitation is in Virginia is 5 years from the date of the first delinquency ; and 2 ) they continue to inaccurately report the first delinquency date so they can continue to continue report it on my file and try to collect on the zombie debt. In addition, the original creditor ( XXXX XXXX XXXX ) shows that the first date of delinquency was XX/XX/XXXX on my Equifax credit report. I have tried XXXX via online and writing to request that Equifax report this information to no avail. I have also being writing to XXXX XXXX XXXX via telephone and by mail about the debt since discovering it on my report in XX/XX/XXXX. They have responded to my correspondence and phone call with " we received your request and our research department is looking into your inquiry. Equifax is violating the Fair Credit Reporting act as is XXXX XXXX XXXX and XXXX XXXX XXXX is violation the Fair Debt Collection Practices act.