If you receive the following message then a credit report was ran that either didn't reflect the spouse or additional person on the loan. This issue with credit report request is just due to having more then one borrower on the loan in tandem with either having or not having the additional person.
1. You need to change the order method in credit report by upgrading it. I've attached a picture of the required change below.
2. If you pull up the loan it'll be in the borrower summary
3. The request credit option should come up on the top right corner.