I believe I have discovered the source of the inside rattle in the rear of my '16 Momentum Plus which was built in early February 16. Under the rear storage area, there is a cover for the spare tire that is made of stiff plastic board covered with fabric. I removed that and there was no rattle when I took the XC90 over bumps. I believe based on its position when it is in place, it can touch just right to create the rattle over uneven pavement. I will report back in a few days to confirm.