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15 U.S. Code § 1679b. Prohibited practices
(a) In generalNo person may—
(1) make any statement, or counsel or advise any consumer to make any statement, which is untrue or misleading (or which, upon the exercise of reasonable care, should be known by the credit repair organization, officer, employee, agent, or other person to be untrue or misleading) with respect to any consumer’s credit worthiness, credit standing, or credit capacity to—
(A)
any consumer reporting agency (as defined in section 1681a(f) of this title); or
(B) any person—
(i)
who has extended credit to the consumer; or
(ii)
to whom the consumer has applied or is applying for an extension of credit;