Inaccurate Data

I was wondering how often do you update our profiles because the information you have on me is inaccurate. The data that you have on me is totally different from what major credit bureaus have - I do not need to mention their names. As a result, this information is hurting me. While other credit bureaus have updated my score - my credit score with JustMoney keeps on going down. What could be the reason for this? I do not have a lot of open accounts but the credit score simply won't improve. There was a time when I involved my lawyer earlier this year and the discovery was shocking. We were told that someone has just made a small payment towards a prescribed 2015 account - is this even legal? And mind you, it happened earlier this year.