I outlined here
https://ficoforums.myfico.com/t5/General-Credit-Topics/FCRA-605B-block-apparently-in-place/td-p/6581...
my experience with getting the credit bureaus to block (remove) an account from my credit reports that was a result of large charges made on a stolen credit card (account legitimately opened by me - physical plastic card lost/stolen).
I'd like to point out that although a police report is not a prerequisite to getting fraudulent / unauthorized (not made by you) charges off your credit card account or credit bureau reports, sometimes that is what it takes.
And, in some cases (as in mine), only an in person police report does the job - an online police report or FTC Identity Theft dot gov report might not be enough. And ideally, that police report should mention "identity fraud," which identity fraud does include someone stealing your credit card and using it because by doing so they are assuming your identity. Supposedly the way you are supposed to do it is to FIRST file the FTC Identity Theft dot gov report and then take that to the police station to file your in person police report.
Be aware too that banks will fight in person credit card charges harder than online ones - this is because in almost all cases the merchant ends up eating the charges if made online, but if someone uses that chip in your card in person at the merchant, in almost all cases the bank has to cover the payment and keep the merchant whole. So - where the bank is going to lose out, you may find that they fight harder to try to make it seem like the charges were legitimate.
And of course complaints with the Consumer Fin Protection Bureau (CFPB) and Comptroller of the Currency (OCC) may push the bank to see things your way if they are being recalcitrant.
There is also a non profit organization that may guide or help you, called the Identity Theft Resource Center (idtheftcenter dot org). Although the IDTheftCenter doesn't help with actual complaints against the bank or credit bureau, simply mentioning that they have advised you in the matter in your letters may prompt action.
In most cases, banks will see things your way and simply remove the fraudulent charges off your account. But when they resist - you have to fight back for your rights.
