Clearing up identity theft

[CharlieSheena]

Hello I am writing because I am seeking some type of advice on how to clear up my identity theft I recently found out about in September of 2009. I have been disputing and sending out my fraud affidavit left and right. My disputes have been pretty easy for the most part. However, there are a few companies who are refusing to remove the debt that is so clearly fraud. 2 of the companies I've had to sue because their "validation" is a print out of someone's facebook page that is nonexistent with just text, and also a city assessors page to a house that was fraudulently put in my name and they have a fraud affidavit for it.

I was wondering if you guys had any advice for me in regards to how to fight these people besides suing everyone. I am most frustrated with the CRA's and their lack of "investigation." They always write back reporting the fraud as validated but every time I rebuttal I always say... The addresses they are reporting are the very addresses I advised were all a part of fraud and that you previously removed months ago. Then they make me send my fraud affidavit AGAIN with a copy of my ID again. I am having major problems with Experian and Transunion. I am down to 3 accounts negative from fraud with Equifax. Most of the companies are telling me they submitted for removal in April or May and the CRA's haven't deleted it and keep telling me it's verified. It's kind of driving me insane. I probably spend 2 hours a day arguing with companies and the CRA's. So... Any advice?

:confused:

[chane]

Identity theft is a nightmare. Experian is really hard to deal with. You might just have to end up suing them or anyone else that keeps reporting it. Keep disputing in writing so that you can use it in court.

[CharlieSheena]

Whats so bizarre is that I called Experian and the woman who I spoke to told me they are not required to block information if the business claims the debt is verified. She said all they do is call them and say that I have a police report and they can say, "It's verified." then Experian will immediately unblock it. She said it doesn't matter if consumer has an active identity theft affidavit with a police report and extended fraud alerts.

She also said I'm only allowed to dispute it once and they will not open a dispute based on fraud more than once or block more than once. I asked her then why are there laws put in place that say that you as a consumer credit reporting agency needs to VERIFY the information is legit. She said, "No you're mistaken all we have to do is tell them that you have a police report and affidavit." Then she said because my report was from 2007 and active it is not considered a valid police report it needs to be within one year of today's date. I said that doesn't make sense because the report was dated within the time frame of the identity theft and I am continuing to battle it out with you guys. I then asked her how am I supposed to keep getting NEW police reports just because you guys want them even though the one you have is still ACTIVE its just not within TODAYS date. But, does in fact match the date of the identity theft accounts. She hung up on me. :D

I began suing the companies last week. But I think I may go after experian because it just does not seem right that they can just keep reporting this stuff as "investigated and verified" when it's NOT at all. All they would have to do is read all of my fraud affidavits and all of these accounts have the fake addresses attached to them which are listed in the affidavit. GOD I really hate them.

Thanks for the help though. I hope I"ll be able to have my life back again soon. I'm down to mostly clean on Equifax to completely clean on Transunion to completely a mess on Experian. I used to have over 30 accounts that were all opened fraudulently so I think I'm doing alright.

Wish me luck! ::crosses fingers::