Questions on Credit Reporting?

I actually have 2 questions they both pertain to my son. He recently applied for a loan and was denied due to a lack of good history. When we looked into the situation we found that the last 3 loans he paid in full without any delinquencies were at our local business credit union. When we went there to ask them to report his good credit they stated that they were unable to due to the technology that the credit bureau’s use. This sound fishy to me. Also I have an alert watch on my credit and I was notified that an address was checked on my credit which happens to be my sons address. He has never lived at this address (we have only lived here for 2 years) and I have never lived at his address. I was not listed on his loan app except for next closed living relative at a different address. Should this have hit my credit report and should I do anything about it?