If a credit bureau creating documents for others to use for various reasons in not publishing then Congress needs to pass a law declaring it is publishing or ma

If a credit bureau creating documents for others to use for various reasons in not publishing then Congress needs to pass a law declaring it is publishing or make a law that what the banks do to people when reporting false statements to the credit bureaus is a crime. Do you think that a creditor that reports a false statement that a person defaulted on a loan is not wrong and should not be penalized? Its great for the people that loan money but not how any reasonable person would think the world should work.