********** account in my name

so last year November i started getting a lot of calls from finchoice telling me that i have a loan mind you at the time this loan was made i was busy giving birth , i do not know anything about this so i kept denying knowledge of these accounts. Some one app**** loans in my name and they were approved without even doing due diligence .i want to know how do you guys approve your loans how do you know if the person who is applying for these loans is real and who they say they are. the reason why the call center can call is because my cell number is the one that is registered in my name . to show that i am not the person who app**** for these loans they dont even have my email addresses. so after getting the information that someone has ********** opened accounts in my name i went and did an affidavit claiming i dint do these and sent it to them am still waiting for feedback. can i please get feedback regarding this matter . YOU APPROVED ********** LOANS AND INSTEAD OF CALLING THE PERSON WHO MADE THOSE LOANS YOU KEEP HARASSING