Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
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I am sorry to hear about your identity theft situation. You need to dispute that item with the three credit bureaus to get it removed. There are many websites with the exact process to do it. Google "dispute credit report form" or something like that. The credit bureaus all have online forms and quite clear instructions. In case you didn't know, the three bureaus are Transunion, Equifax, and Experian. You should also file an identify theft report with each of them which is plainly visible from each other their websites. Does that make sense?
Filing a dispute is the only way to get it off your credit report yes. Or contacting the company reporting it and working it out with them and then they can remove the reporting. It can be difficult to build credit. One way is to get a secured credit card. This is where you put down the money for your limit. So if you get a $500 limit card you would give them $500 and that would be your limit, usually after a year they convert it to an unsecured card and you get your $500 back or you can just use it to pay down any balance.
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That is very strange since it is secured. It is certainly a chicken and egg problem. You need to get those bad items off your credit report then try again.