Denied credit I did not sign for

Yes, We received a letter from Commerce Bank . Saying they denied a loan application which we know nothing about
We bought a Motor Home. But we have never had any problems with our credit. I would like to know what is going on with our credit.
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i do not remeber a previous conversation for some reason
but i would get my reports for sure and get the scores
you can do www.annualcreditreport.com and then upgrade for scores i think 5 bucks for each of 3 bureaus
or go here and get all 3 reports and cancel for free. http://www.credit.com/landing_pages/equifax_whos_viewing/index.jsp
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and
if you find problems, inquiries that are not yours and the like
dispute them with this form
and place a fraud alert with this form