I had id theft in XX/XX/XXXX and XX/XX/XXXX involving XXXX and XXXX. Once I received bills in XX/XX/XXXX or so, I called companies sent letters notified experian credit who are useless and less than useless. Toliet paper has more value. 

XXXX removed the item promptly. XXXX however did not. I sent police reports, letters etc. then XXXX sold the account to someone called XXXX XXXX XXXX, who sold it again to XXXX, XXXX, XXXX, XXXX and XXXX, lawyers. 

I filed a complaint with the XXXX of Minnesota. XXXX XXXX sent me a letter dated XXXX/XXXX/XXXX stating ceasing collections and will request removal this item from all credit bureaus. So I disputed items with experian and sent them copy letter. 

Today I was on phone with experian over an hour. I asked for a description of the investigative process used to determine if valid debt. I was told, by the fraud dept!!! That they contact the creditor who if states yes, is yours, it stays on your credit report!!!!! That is not what the Fair Credit Reporting Act says.