I was first alerted to a credit fraud problem when I was unable to access XXXX of my free annual credit reports. XXXX said I had already received my report, which I had not even attempted this at the time. I then attempted to get my free annual credit report through Trans .... and was unable to answer the identity verification questions. I was ; however able to access the XXXX other credit report which listed numerous upon numerous, mostly medical care bills in default that I have never been notified of existing. I already requested a fraud alert to be placed on my credit accounts ; however am still unable to access them to review of any other fraudulently activity. I have also recently been a victim of identity theft as XXXX of my bank accounts alerted me of fraudulent activity which absolutely proved to be the case. This is not the first time I have been a victim of identity theft and even have identity theft coverage ; however they have not proven to be worth the money spent on them. What exactly are the steps I may take to finally resolve these issues and finally correct my credit report?