FINGERHUT/WEBBANK someone opened an account without my authority. Saint Cloud Minnesota

It sounds like you are a victim of ID Theft, and not sure where you think you posted but this is just a PUBLIC Internet site that has nothing to do with these companies. 

What you need to do is first dispute the item on your Credit Report through the Credit Reporting Agencies. Be sure to check ALL 3 of your main credit reports, this includes Equifax, Experian and TransUnion.  Then you need to file a ID Theft report with your local law enforcement.  With that you can put a FREE Fraud Alert on your credit report that makes it harder for accounts to be opened in your name without your permission. You can do this directly with the Credit Reporting Agencies. If you are ever told you need to pay for this you looking at the wrong site.  The link below from the FTC will explain this a bit more.

https://www.consumer.ftc.gov/articles/0275-place-fraud-alert

You should also contact this company directly. Since the ID Thief used some of your information they may assist you in at least closing it down. However, because it comes down to they don't really know who is the real you..they may require you to do additional steps.

Good Luck..