Headlight wiring help .

At the headlight?
One of the terminals is the ground.
The only way for voltage to be at the ground is (a) if the headlight ground wire is disconnected, or (b) a cross wire short.

With (a) you test light provides the connection to ground. In doing so the headlight should have also glowed.
No ground .. that is why Im getting power to all 3 terminals? Have to wrap my head around that