TransUnion Intermediate Holdings, Inc. Credit Reporting Complaint

TransUnion Intermediate Holdings, Inc. Credit reporting department,

Incorrect information on credit report Public record Kentucky

I recently investigated my credit history because every I apply to get one I 'm denied for the following reasons : -derogatory public records or collection filed -Insufficient length of credict history -Proportion of revolving balances to revolving credit limits is too high -Recent derogatory public record of collection -Number of recent inquires on consumer report My question are What does this mean? How can I fix all this so I can cleanly build my credit? How to prevent this affecting me.? Why I get a pending account in collection and I was never notified of this amount?