Credit repair organizations are influencing consumers to file complaints with the CFPB in an attempt to remove negative, even if accurate, data from their credit reports, according to the Consumer Data Industry Association.

Consumer advocates said the proposed changes will make it even more difficult for underserved markets to access credit, particularly people of color that continue to experience redlining and lending discrimination.

Consumers can submit confidential tips to the NCRC related to potential violations of fair lending laws. The information may then be used by the consumer advocate to investigate claims of lending discrimination.