LibGuides: Ohio Tax Liens: Consumer Financial Protection Bureau

Introduction

Tax and judgment liens should not be on your credit report, unless they meet strict criteria. You can file a complaint with the Consumer Financial Protection Bureau if these items are still showing up on your credit reports. The link to the complaint is below.

Federal Law

Submit a complaint to the Consumer Financial Protection Bureau
Having a problem with a financial product or service?
Tell us about your issue—we'll forward it to the company and work to get you a response, generally within 15 days.
CONSUMER FINANCIAL PROTECTION BUREAU ET AL. v. COMMUNITY FINANCIAL SERVICES ASSOCIATION OF AMERICA, LTD.,
US Supreme Court says in 2024 that the CFPB's funding scheme is lawful.
Community Financial Services of America v. CFPB
2022 Fifth Cir. Ct of Appeals decision that Congress’s cession of its power of the purse to the CFPB violates the Appropriations Clause and the Constitution’s underlying structural separation of powers. Therefore, the CFPB's payday lending rule is unconstitutional.
Seila Law LLC v. Consumer Financial Protection Bureau
US Supreme Court says that the protection for CFPB director against removal by the President violates the Separations of Powers. However, the CFPB can continue to operate, but the President must be able to fire the CFPB director at will.
Medical debt soon will be banned on credit reports
CNN.com 1/7/25

In the News

Why Your FICO Credit Score May Soon Get a Boost
Consumer Reports 6/9/17 the three national credit bureaus — Equifax, Experian and TransUnion — have stopped collecting and reporting substantial amounts of civil judgment and tax lien information on public records affecting millions of American consumers.
Removal of public records has little effect on consumers’ credit scores
Consumer Financial Protection Bureau 2/22/18