Tom,

It sounds like you have a very serious problem. It's possible you are listed as a fraud victim (potentially the reason for the denial from the credit bureaus?)

This issue is not going to go away, but only get worse. Everthing from purchasing insurance, car, home, line of credit, employment, etc. is tied to your credit score. Having detrimental information on your history only costs you more money over the years.

My gut tells me there is more to the story....why are you waiting to get this cleared up?