That may be what in fact you need to do.  It appears that you have done everything you can to help yourselves with the situation but that it has not changed.  Sometimes, unfortunately, people and organizations do not respond to the valid request of a consumer.  But an attorney's letter can make them stand up and take notice, so to speak. It is not right but it sometimes the case.  So seek consultation from an attorney that deals with this issue (fraudulent reporting and credit reporting issues) and see if you can come to an agreement as to how to proceed that is the least costly for you.  Good luck.