False info from credit bereau

I Just want to share my experience as Transunion charges you for a credit report being available for 365 days and the info supp**** to you is false . Even so with clearscore . I went 2 months ago and took a loan from my bank and paid up all my accounts visible on the credit berau as by transunion. Tuesday when I went to old mutual for another loan they picked up outstanding accounts that were not vissible on transunions report. wich just turn my mood into anger as Ive now thout all my accounts were up to date ,and there is still outstanding. after Ive paid the accounts Ive used the balance. so now Im still stuck with accounts. My question now would be why are we paying Transunion if they deliver false information. This whole credit thing with score seems to me like a way of making money for the credit bereau.