Collection, but no collection?

[Anonymous]

The wife and I have recently been shopping for a new car. I was expecting to get a pretty good rate because my reports are clean with FICOs in the low to mid 700's across the board. We were at the Jeep dealership and they pulled an auto enhanced FICO 8. To my complete suprise my EQ auto enhanced is 70 points lower than my FICO 8 (648 and 718 respectively). Those happen to be my lowest scores.

MyFico claims that there are recent collections/public records on my reports. I looked for an alert from them about this collection, but fund nothing. I checked my reports on CK and found nothing as well. My FICO8 isn't reflecting a score that would indicate a collection and there have been no score drops on my timeline that would indicate a collection showed up. 

I would like to try to figure out what's going on before I pay to pull my reports from the CR agencies. My reports have been clean for  about a year now. 

Any ideas?

[Anonymous]

So, this is interesting. I discovered that I had a 3b report to redeem from myfico as part of my subscription. So, I did it and behold, no collections or baddies of any kind. Then, miraculously, my auto 8 scores are right where they should be, within a few points of my Fico8 scores. So, what gives MyFico? That's a bunch of BS.