Product: Credit reporting, credit repair services, or other personal consumer reports

Per the privacy act of 1974 Per Publication 4681 ( 2021 ), Canceled Debts, Foreclosures, Repossessions, and Abandonments a Certificate of indebtedness is considered income which can not be furnished on my report. There are reports such as hospital accounts that are in violation of HIPPA law and income can not be listed on any credit report.

There are also listings on my report that show delinquency or payment history which per 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been deve
loped for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Title 5 subsection 552a CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE Pub. L. 93579, 2, Dec. 31, 1974, 88 Stat. 1896, provided that : ( a ) The Congress finds that ( 1 ) the privacy of an individual is directly affected by the collection, maintenance, use, and dissemina- tion of personal information by Federal agencies ; ( 2 ) the increasing use of computers and sophisti- cated information technology, while essential to the efficient operations of the Government, has greatly magnified the harm to individual privacy that can occur from any collection, maintenance, use, or dis- semination of personal information ; ( 3 ) the opportunities for an individual to secure employment, insurance, and credit, and his right to due process, and other legal protections are endan- gered by the misuse of certain information systems ; ( 4 ) the right to privacy is a personal and fun- damental right protected by the Constitution of the United States ; and ( 5 ) in order to protect the privacy of individuals identified in information systems maintained by Fed- eral agencies, it is necessary and proper for the Con- gress to regulate the collection, maintenance , use, and dissemination of information by such agencies. ( b ) The purpose of this Act [ enacting this section and provisions set out as notes under this section ] is to provide certain safeguards for an individual against an invasion of personal privacy by requiring Federal agen- cies, except as otherwise provided by law, to ( 1 ) permit an individual to determine what records pertaining to him are collected, maintained, used, or disseminated by such agencies ; ( 2 ) permit an individual to prevent records per- taining to him obtained by such agencies for a par- ticular purpose from being used or made available for another purpose without his consent ; ( 3 ) permit an individual to gain access to informa- tion pertaining to him in Federal agency records, to have a copy made of all or any portion thereof, and to correct or amend such records ;