The unfortunate reality is that some of those "infractions" aren't infractions at all. Innocent until proven guilty is not something that the credit bureaus worry about, and the student loan thing is something of a scam on the part of the colleges and the collection agencies that bid on the "debts".
Yes, indeed it is also true that credit bureaus get things wrong. Perhaps the lesson here is to visit "Free Credit .. Report dot com" or Experian or whomever when filiing out that license application just as you would when applying for a loan. That said, the student loan issue is very real.
I have never heard of a university running a "credit scam". But their bookkeeping and auditing has been known to be suspect. I know of several individuals who "thought" they graduated, in fact participated in graduation ceremonies cap and gown and all only to receive a letter from the school informing them they were actually shy a few units and needed to enroll in those classes to complete degree requirements. In some cases the classes were actually completed but professors failed to file grades and subsequently transferred to other schools.
This is a different subject, but the issue of tertiary education units and their value is something that could use some "cleanup".