am unable to " validate '' to get both my XXXX and EXPERIAN credit reports : the validation questions from both credit reporting agencies have questions about mortgage ( s ), student loans and auto loans I have never heard of, as well as multiple choice answers that are unrelated to me. When I choose " none of the above '' to all of the validation questions, I am 'told ' ( via website ) that my information does not match. That is ridiculous : the validation questions do not pertain to me and my 'none of the above ' responses should be accepted. I suspect that XXXX and Experian have merged info about another consumer. Someone named " XXXX XXXX '' crops up now and again. I do NOT have any idea who that person is!!! I am a homeowner and have lived at my current address since XXXX 2012 ; I suspect Experian is somehow not using the right address information. 
I have XXXX auto loan ( with XXXX XXXX XXXX in XXXX, MI ) and my mortgage is with XXXX XXXX XXXX in XXXX. I do NOT have student loans or any other mortgages or auto loans.