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How should the service representative respond?

I think these security questions are pretty annoying, too. Please check your email for instructions on how to get account access.

I apologize for the inconvenience, but we do this to protect our customers. I've sent instructions to your email on how to reset your security questions. Can you confirm you've received them?

So sorry about the issue. Next time, write your answers somewhere you can find them and make them easy to remember.

I$\text{'}$m sorry, but account security is a top priority. I can send a copy of your account information to the email we have on file if you'd like.

Sorry, but this is for your own protection. We want to make sure no one gets into your account.