I can guarantee you that your reports are different. I doubt two people could agree at age 16 to completely syncronize their credit and have identical reports 10 years later even if they put a great deal of effort into the project. You would need to have no credit info of any kind before marriage and only ever open joint accounts. Even if you found one of the few joint CC accounts the student loans are likely to be different. Look at the two original reports and see what is different. Is there no difference?

You have also had two banks pull credit reports but you haven't said what CRAs were pulled and which credit score version was used for the scores.