<prompt> Human: Hey. Ive been frequenting this subreddit and figured out my budget and lifestyle with you guys, hopefully someone has some insight into what I should do from this.---ContextI am a 21 M living in the Midwest.I have been working since 15 2010, have an open bank account in hometown. Both of my parents are listed as account holders.When I moved off to college, I opened a bank account with US Bank at the college. My mom might be listed as an account holder on that. Im not sure, but I did read thats really not ideal she could gouge it and I wouldnt be legally able to do anything about it so its on the back burner to change.My mom has had identity theft issues in the past as well as credit card debt. AFAIK, she has worked out the identity theft issue and has locked things down, but this was only 2 to 4 years ago...---I filed for a yearly free credit report from AnnualCreditReport.com. It requested from each of the big three credit reporting companies; Equifax, Experian, and TransUnion.Experian was first to return, and it said it couldnt process my file. Whatever.TransUnion brought up a report and everything looks good on it, I tried clicking the tab to see my score because I just wanted to have the number in my head havent checked it before. Page wouldnt loaddisplay. Whatever.So the problem lies, when I went to Equifax, they want you to verify your identity as did TransUnion. However, equifax had some odd questions for me. According to Equifax, I have: A mortgage loan, opened in or around March 2012 What is the total monthly payment for above-referenced account credit file indicates you may have a retail card, opened in or around October 2012 Indicates you have a bank card opened in or around September 2013I have none of these and couldnt answer any of them. I filled the information out on Annual Credit Report.com and I assume it queries each site with the same information. ---I submitted a paper-mailed version to ACR.com and hopefully theyll return all three properly instead of the half-report I got.So: Why does Equifax pull this up, why doesnt TransUnion know about this, and finally, what do I need to do to protect myself and clear up my name. This must be bound to my SSN, so is this an identity theft issue?---FAQ:Common Issues with Obtaining Your Credit Report Online---Posters on rpersonalfinance frequently point out that Annualcreditreport.com will ask them questions about tradelines that they had no idea existed. This is a common occurrence; your identity has not been stolen. Often, the answer to a lot of questions on that website are: NONE OF THE ABOVE.In addition to this, just because Annualcreditreport.com doesnt let you view your file doesnt mean you answered anything incorrectly. Often, the bureaus will simply not have enough information to automatically verify, 100, that the user of the website is really you. This frequently occurs with thin files, or credit reports that contain sparse information on a consumer.If you are obtaining an error like this, send a mail-in request. You will need to fill out a request form on the Federal Trade Commissions website, and mail it to the address provided. You can also call their hotline.How to Read Yo  <response>: Bogus questions are common for people with a thin file. 