<prompt> Human: I filed my taxes and was patiently waiting to get them back. Today I received a letter saying that my entire Federal Tax Return had been given to the US Department of Education. I checked the website and found out I have 2 loans in default. While unfortunate, it wasnt at all surprising. I decided to try and figure out my financial situation which led me to this discovery.I went over to AnnualCreditReport.com and requested all 3. When I put in my information it started asking me questions about mortgages in my name, car loans, credit cards, people that have been living with me, etc. Ive never had any of these things. I selected None Of The Above for all that didnt apply and they told me they couldnt give me my report because the information didnt line up.I dont know what to do. I cant even begin to figure out my situation without knowing what I owe, and it would appear that I cant even figure that out. The supposed mortgage in my name is really scaring me. Please help! What do I do? Where do I start? Ive never done any of this before!  <response>: Just because they asked you a mortgage question doesnt mean someone is holding a mortgage in your name. They ask you fake questions like this to try and determine if you are who you say you are.And just because an immediate online credit report isnt available doesnt mean there is a problem- it can be a small snafu in the system- its happened to me. Lots of people have similar names.Just go ahead and wait for the paper report by mail and then deal with whatever shows up on it if it is incorrect.Wait for an actual problem before you freak out.It took you a while to get into this mess and it will take a while to get out. Order a paper credit report and get the ball rolling. 