Experian ***** credit report not accurate

There reports and credit score is not accurate. Why do we need to be credit listed when we shop around for the best deal on insurance etc. This is the report which credit vendors check but it is not at all accurate. Old stuff from years back is still on the report while they have been paid up. Temp loans paid still reflex as payment monthly's not accurate. Temploans is temporary and should be paid in a month normally. Get within EXPERIAN you are not accurate.