There is an unknown loan that popped up. How do I handle this? My credit score went down 56 points.
You can get your credit reports free from the site below, which you should review and contact the unknown lender directly.
https://www.annualcreditreport.com/index.action
If you are unable to get the inaccurate entry removed, you can file a dispute.
See https://www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports