A few years ago, Zhang Hui, a citizen of Wuhan, Hubei, applied for many credit cards and some online loans through his mobile phone. He thought that he could "rob Peter to pay Paul", but found that the more he owed, the more he owed. In the end, he tried his best to pay off the credit card, but some "holes" in online loans could not be filled. "I talked about the object this year, and my family wanted me to buy a house with a loan to get married. But after checking the credit report, I found that I still had arrears from several online borrowing platforms. In order to repair the credit as soon as possible, I found a credit repair company online. Unexpectedly, the debt and credit were not repaired, and I also paid thousands of yuan of 'consulting fees' and' repair fees'." Zhang Hui said. Zhang Hui's experience is not uncommon in recent years. In response to this phenomenon, the China Internet Finance Association issued a "tip on preventing the risk of illegal agency rights protection in the field of Internet finance". The prompt said that in recent years, information such as "professional counter collection", "overdue orders", "agency debt relief", "recovery of securities and futures investment losses or consulting service fees", "early full surrender", "credit investigation repair and whitewashing" has been widely disseminated through the network platform. Such acts of violating laws and regulations not only seriously disrupt the normal order of financial markets and the normal operation of financial institutions, but also may breed other related crimes and endanger social stability. In interviews with reporters, several NPC deputies and experts suggested that we should rectify the outstanding dishonesty problems in the field of credit services, legislate on credit reporting management at the national level as soon as possible, speed up the improvement of credit reporting management system, and provide legal protection for the vertical development of the "credit reporting repair" fraud governance. According to the Regulations on the Administration of Credit Reporting Industry of tens of thousands of enterprises related to the existing "credit reporting repair", credit reporting business refers to the collection, sorting, preservation and processing of credit information of enterprises, institutions and other organizations (hereinafter collectively referred to as enterprises) and individual credit information, and the provision of such information to information users. Credit investigation service can enable the transaction subject to understand the credit status of the counterparty at a lower cost. On the one hand, it can prevent transaction risks, and on the other hand, it can enable enterprises and individuals with good credit to obtain more trading opportunities. With the continuous expansion of the application field of credit reporting, many people have focused on "credit reporting repair". In recent years, companies related to "credit investigation repair" have continued to grow. The reporter searched the enterprise inspection platform with the keyword "credit investigation repair" and found that, as of early December, there were nearly 10000 existing enterprises related to "credit investigation repair" in China. From the perspective of annual registration, in the past three years, there have been thousands of new registrations each year - 1390 new registrations in 2020, more than 4700 new registrations in 2021, and more than 3000 related enterprises in 2022 as of the beginning of December. At the same time, false publicity and fraud routines related to credit reporting emerge in endlessly. Some criminals use some information subjects' eagerness to eliminate the psychology of bad credit records, confuse the concepts of credit investigation objection and credit repair, and cheat in the name of "credit investigation repair, whitewashing, and bill shoveling", "credit investigation objection complaint consultation, agency", threatening the property safety of the people, and seriously disrupting the overall situation of social credit system construction. "At the beginning of the consultation, the credit investigation and repair company said that the overdue records could be completed within one month