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Information belongs to someone else. I am trying to buy a house later this year so today XX/XX/20 my lender ran my credit to see how much I would qualify for and he told me I would not get approved for anything at this moment because there were many accounts in negative standing appearing on my credit. I had no idea that there were accounts with negative history on my credit since the few credit cards I do have I don't even use. I looked through my credit report and I saw accounts from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ; I have never opened an account with these companies nor have I ever given anyone permission to open any accounts on my behalf. I did not benefit anything as a result of these accounts that were opened in my name such as money, services or goods and I did not pa