Does anyone know which credit agency is used when pulling credit info? I have heard “The big 3”, which to me usually sounds like a non-answer as it isn’t specific and I assume the big 3 companies aren’t giving out free credit reports to the Federal Government without a court order, so there is some type of federal business contract with one in specific - So how do pull credit reports with 3 different agencies? or is it really just one of the three?
The main reason I ask : For some reason the Experian version reports some stuff that is completely different erroneous/wrong compared to Equifax, TransUnion and reality in general. I reported exactly what my Equifax report says on my SF-86 and have since submitted it for a T3 level investigation. The Equifax and TransUnion is the correct version and backs up the credibility to what I am saying. Yes, I know about the dispute process but my question above remains the same.
Thank you for your time.