<prompt> Human: Im 21 and have zero credit. I recently went to check out my credit report to make sure that I do in fact have zero credit. After telling Equifax the one I was doing cause it was first on the list who I am, where I live, where I used to live, my SSN, my blood type, etc. the verification questions begin. The questions based on information in my file, and only I should know the answers to them. They were:You may have a mortgage opened in or around 2010 when you were 14, with which provider?Whats the monthly payment on this account that you may theoretically have?The stars say you may have a retail card, with whom?You may have a bank card, is it with Nordstrom, Inc? one of the options for the bank questionI have none of these things. I answered each with None of the above then got promptly rejected for my online request, and was referred the mail in option of sending copies of my pay stub and SS card off to Georgia.I did, naturally, after being asked if I have a mortgage and none of the above was apparently the wrong response.My report came back, and there was nothing on it, just like there was supposed to be. How did four correct answers lead to a rejection? Literally any other other combination of answers would have been a lie, incorrect, and wouldve resulted in the same rejection. So what was the point of the questions? How do they get generated? I know the system is far from infallible, and they can pretty much do whatever they want anyway, but still this baffles me. Plus I just thought it was pretty funny.  <response>: If your file is thin and theres nothing to verify against, this can also happen OP. 