I disputed a charged off credit card and a collection for the same account, with all 3 credit bureaus. The CRAs deleted the original creditor charge off, but the collection came back as verified and was not deleted. This card was opened under my name fraudulently before I was even 18 years old. The collections agency is refusing to cooperate and anytime i send a request to block the information they just reply with a settlement offer. How can I get this collection removed?