BUG: read_csv raises an error when both `prefix` and `names` are set to `None`
- [x] I have checked that this issue has not already been reported.

- [x] I have confirmed this bug exists on the latest version of pandas.

- [x] (optional) I have confirmed this bug exists on the master branch of pandas.

---

Hi everyone, I'm running into this issue since pandas 1.3.0:

#### Code Sample, a copy-pastable example

```python
import pandas as pd

pd.read_csv("path/to/any/csv", names=None, prefix=None)
```

raises
```python
---------------------------------------------------------------------------
ValueError                                Traceback (most recent call last)
<ipython-input-6-681798f605ab> in <module>()
----> 1 pd.read_csv("/content/sample_data/mnist_test.csv", names=None, prefix=None)

2 frames
/usr/local/lib/python3.7/dist-packages/pandas/io/parsers/readers.py in _refine_defaults_read(dialect, delimiter, delim_whitespace, engine, sep, error_bad_lines, warn_bad_lines, on_bad_lines, names, prefix, defaults)
   1304 
   1305     if names is not lib.no_default and prefix is not lib.no_default:
-> 1306         raise ValueError("Specified named and prefix; you can only specify one.")
   1307 
   1308     kwds["names"] = None if names is lib.no_default else names

ValueError: Specified named and prefix; you can only specify one.
```

#### Problem description

With `names=None` and `prefix=None`  those parameters shouldn't be considered as specified, and the code should run as if they were not passed as keyword arguments.

This is due to the changes in this PR https://github.com/pandas-dev/pandas/pull/41446 that changed the default values of those two parameters from `None` to `no_default`

#### Expected Output

The code should load the csv using the default behavior as if `names` and `prefix` were not passed as keyword arguments

#### Output of ``pd.show_versions()``

<details>
INSTALLED VERSIONS
------------------
commit           : f00ed8f47020034e752baf0250483053340971b0
python           : 3.7.10.final.0
python-bits      : 64
OS               : Linux
OS-release       : 5.4.104+
Version          : #1 SMP Sat Jun 5 09:50:34 PDT 2021
machine          : x86_64
processor        : x86_64
byteorder        : little
LC_ALL           : None
LANG             : en_US.UTF-8
LOCALE           : en_US.UTF-8

pandas           : 1.3.0
numpy            : 1.19.5
pytz             : 2018.9
dateutil         : 2.8.1
pip              : 19.3.1
setuptools       : 57.0.0
Cython           : 0.29.23
pytest           : 3.6.4
hypothesis       : None
sphinx           : 1.8.5
blosc            : None
feather          : 0.4.1
xlsxwriter       : None
lxml.etree       : 4.2.6
html5lib         : 1.0.1
pymysql          : None
psycopg2         : 2.7.6.1 (dt dec pq3 ext lo64)
jinja2           : 2.11.3
IPython          : 5.5.0
pandas_datareader: 0.9.0
bs4              : 4.6.3
bottleneck       : 1.3.2
fsspec           : None
fastparquet      : None
gcsfs            : None
matplotlib       : 3.2.2
numexpr          : 2.7.3
odfpy            : None
openpyxl         : 2.5.9
pandas_gbq       : 0.13.3
pyarrow          : 3.0.0
pyxlsb           : None
s3fs             : None
scipy            : 1.4.1
sqlalchemy       : 1.4.18
tables           : 3.4.4
tabulate         : 0.8.9
xarray           : 0.18.2
xlrd             : 1.1.0
xlwt             : 1.3.0
numba            : 0.51.2

</details>
