this happens to me 7-8 years ago. I filed a dispute with the 3 credit reporting agencies (transunion, equifax, and ?). They did the investigations and took the bad records off my credit report. The other things that I had to do was contact the actual vendors that was trying to collect money from me and give them as much info as possible so they that they are aware of what is going on with that account. The vendors send me a confirmation letter letting me know that they will closeout the account and that i do not need to pay anything since I have proved that I was not the actual account holder and the credit report confirmed it as well.
So bottom line is don't pay for what you did not buy and your lender who pulled your credit report suppose to tell you how to go about clearing your name. Not only that, I love the fact that anytime anyone tried to get a loan under my name, I get a phone call from the loan institution asking if I requested this loan
.
Oh, GL.