What is a credit report?
A credit report contains information about your credit history and the status of your credit accounts. This information includes how often you make your payments on time, how much credit you have, how much credit you have available, how much credit you are using, and whether a debt collector is collecting on any debt you owe. Credit reports also can contain public records such as liens, judgments, and bankruptcies that provide insight into your financial status and obligations.
Credit reporting companies (also known as credit bureaus or consumer reporting agencies) compile these reports. - Consumer Financial Protection Bureau