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After much review, I found that Equifax does not have my current automobile loan listed, at all. TransUnion, however does. My score at TransUnion is 8 points higher, the last time I paid to check it. Does one dispute this???
Disputing it could get it removed from TU too, albeit temporarily if current and open. Not every creditor reports to all 3. You can always call the lender and see what the skinny is. BTW, if added, it doesn't mean you would gain points. You can easily lose. YMMV based on your other stuff reporting, length of history, credit mix, etc.
That means your lendor reports only to TU, and not EQ. That is their choice. I see nothing to dispute.