grammar with uri not found error!

I am using xerces parser version 1.3.0

I am facing problems when I try to validate the xml based on the schema.
When do you get this error

I get the following error Grammar with uri 2: http://www.homedepot.com/HD , can not found.

My xml header is 

<?xml version="1.0" encoding="UTF-8"?><hd:rep_clck_in xmlns:xsi="http://www.w3.org/2000/10/XMLSchema-instance" xmlns:hd="http://www.homedepot.com/HD"  xsi:schemalocation="http://www.homedepot.com/HD   rep_clck_in.xsd">

My schema header is 

<?xml version="1.0" encoding="UTF-8"?>
-->
<xsd:schema
    targetNamespace="http://www.homedepot.com/HD"
    xmlns:xsd="http://www.w3.org/2000/10/XMLSchema"
    xmlns:hd="http://www.homedepot.com/HD">


I tried giving an http path in location , a physical directory path but still I get the same error.

Does this error come when parser is unable to locate the schema file for the document


thanks,

Ritesh