Do not assume each item is unrelated.
If you see multiple accounts you never opened along with unfamiliar contact or identifying information, look for connections among them. Do the accounts share the same strange address? The same phone number? The same email address?
Sometimes the pattern becomes much clearer when you stop looking at each item separately.
The real issue may be that somebody used your identity to create a collection of financial records that are now being treated as though they belong to you.
I discuss this in “Why Is Someone Else’s Information on My Credit Report?”:
https://www.cardozalawcorp.com/blog/why-is-someone-else-s-information-on-my-credit-report-.cfm
