I recently found out that my Experian had mixed up my mother's information (including her SSN) with mine, so I had her mortgage, all her CCs, etc on my Experian report. This was only for XPN and not either of the other two. I was able to dispute this information pretty easily. None of it was bad, I just wanted it off my CR.
Several years ago I received a credit card from Bank of America. When I called them, they said that I had "verbally authorized" the new line of credit (no I didn't). I closed the acccount immediately, but I never insisted that it be removed from my CR, so it's still listed.
joinme... you may want to see if there's been any recent activity on those accounts... this would indicate if someone else has been using them, as opposed to them having been opened up by you inadvertently (you can get this off most reports, or you can try calling the lender). If they're really not yours, I would start actively disputing right away!
Good luck...
