There are 'modern' motherboards that have a TPM slot but do not have the PTT capability built in. Running the TPM.msc utility will fail on these because you actually have to plug in the Module for it to register that it has TPM. The PC Health Checker and the Update program from Microsoft will fail even Dev installs because the fTPM and PTT are not present to enable the test to pass. For those motherboards the only way to get a 'passing grade' for TPM is to buy the module.
I don't know where PC Health Checker gets its info on what 'build' you are on but mine reports as (2009) instead of the installed Insider version of 21390 . Even though the TPM tech has been out for 5-6 years there is a variance on implementation from manufacturer to manufacturer. PC builders are certainly upset that there is no way to pass the test for some even if they do have the socket to install a TPM module. A number of vendors are out of stock and prices have gone up 400 - 500 % on this $15- $20 item.