Before I can access my report online, a Verification page lists XXXX multi-choice items, XXXX of which says : " Your credit file indicates you may have ... [ either a mortgage/retail card/bank card ] ... ''. Each question requires my response to verify and/or provide more detail. 

Because I have NOT opened any lines of credit as listed, the accurate response to each item is " NONE OF THE ABOVE. " Consequently, my free online credit report was denied. 

Instead, I must now risk using the USPS to mail my personally identifiable information to Equifax and wait at least 15 DAYS ' processing time before I can confirm my suspicions and subsequently report to law enforcement that the family member whom I strongly suspect has been stealing from me and fraudulently using my identity absconds from the law.