There seem to be multiple causes for this problem. Like you, I tried
the posted solutions of checking "Use drop shadows for icon labels on
the desktop" (it was already checked) and I unchecked the "Lock desktop
items" box (it was already unchecked) and did not solve my problem. I
noticed, however, that in control box->display->desktop->web that I had
a web page specified that did not appear to be real and that was
checked. I unchecked the box and presto! the text background went to
transparent. I deleted with errant web page reference with no apparent
ill effects. In subsequent tests, I created false web pages and they
always caused the icon text box to turn blue with white text. This was
a sudden problem and I believe it is created by malware.
--
chipsmith
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