<prompt> Human: I have a stepdad who after my mother passed evicted me from the home. These past few weeks my boyfriend and I have been trying to establish good credit to move to a new apartment. Upon attempting to login to credit karma it mentioned I had a mortgage and a car loan for more than a year that I have no prior knowledge about. My question is how should I proceed? Is this an irs issue? A bank or insurance issue? Do I need a lawyer? I have no clue how to navigate this and Im affraid if I dont do it correctly I will not get what I believe I deserve which is simply keeping my credit normal.  <response>: They are asking you questions to authenticate you and the answer is none of the above if in fact you dont have a mortgage.Unless you see an account on your credit report there isnt an issue here 