I'm showing RBS Citizens as a soft inquiry, but nowhere in the Installment section history of my credit report does it show the loan. It's listed as a soft Inquiry for the past 4-5 months, but nowhere in my history.

I did take out a private student loan around 2010-2012 years but I haven't paid it at all since then or had any contact.

Nothing listed under collections or public records/bankruptcy sections.

Not sure it matters but this is equifax, and it's the only report I pulled.

Thoughts on it not showing up?