I'm not sure what is going on with your inaccuracies. I encourage you to stay on top of your reports especially 30 days before applying for anything new. You should not be finding out about weird balances from a rejection letter. Credit karma will tell you your balances every 7 days for free for TU and EQ and experian has free monitoring monthly through experian.com. Do not app for anything else until your file is at least accurate and then go from there. Good luck!
