as a first step, suggest calling the financial institution and ask what credit they have in their records that is assigned to you. could be a credit card you took out where Commonwealth is really the lender (retailers do this all the time - there is a bank that is really the lender)...could turn out there was a keypunch error (it happens) where you SS# was inadvertently used.
if you hit a dead end, contact the credit bureaus (you can just fill out the forms on their websites) to convey that you don't recognize the debts.
is there any dollars outstanding on this debt?
