<prompt> Human: I am a 20 year old college student with one credit card that I pay off fully. I live on campus with virtually no costs since my scholarships cover all my tuition, housing, and meals. I dont even have a car! About 6 months ago I was curious about my credit score and attempted to pull the report from a bureau online. When it had me verify it said I had a mortgage out and asked me to verify that. I do not have a mortgage, or any loan, out and chose none of these to all the questions. It blocked me from seeing the report. I didnt really think much of it, although I definitely remember it. Wells Fargo is giving a free credit reportscore from one of the bureaus and I decided to go ahead and check it. I lost the access code but decided to check it anyways since I havent use my free checks in a long time anyways. Well guess what happened? Blocked again! This time it mentioned a mortgage from October 2009, which would be around the time I opened my first bank accounts as a minor. Then I tried a second bureau; blocked again!So now Im freaking out if my identity has been stolen. I keep good track of my accounts, particularly WF since they have a mobile app I have a checkingsaving with First National too and nothing suspicious has happened on anything of those. I also pay my credit card off in full before its due. Is this some malfunction? I really need someone to talk to about this as Im really worried itll affect my future. Any help is appreciated! I tried googling this with no helpful info TL;DRI have attempted on a few occasions to get my credit report from the bureaus. They ask me for information about my mortgage and auto loan-both of which I do not have! I am afraid my identity has been stolen!  <response>: The identity validation questions i.e. the mortgage question typically number four or five in total in order to pass the process. They are created from public and proprietary records data by companies like LexisNexis. When theres not enough credit info, they often make up things -- not just answers such as a BMW loan when you drive a Honda but often entire lines of credit. I frequently see questions about HELOCs, even though I dont have one.So all of this said: what makes you so sure its the mortgage question that caused your problem? As a college student, your credit file probably reflects your moms home address as your home address. If you entered anything else i.e. your resident address at school, the conflict likely isnt with your answers, but rather that the relevant pieces of info to find the file -- address, name, date of birth, and potentially SSN -- dont all match up. 