You can contact Home Credit customer service first. According to the Criminal Law, the crime of defamation refers to the serious act of deliberately fabricating and disseminating fictitious facts that are sufficient to demean the personality of others and damage the reputation of others. The defamation act that constitutes the crime of defamation must be serious, while the defamation act that violates the Public Security Administration Punishment Regulations must be limited to circumstances that are not sufficient for criminal punishment. According to the Supreme People's Court's "Opinions on Several Issues Concerning the Implementation of the General Principles of the People's Republic of China and the Civil Law (Trial)",
1. Leaking or publicizing other people's privacy and causing adverse effects on other people's reputations , is an infringement of reputation rights and does not constitute defamation.
2. Legal persons, groups, and organizations cannot be the objects of defamation.
3. Well-intentioned reports, revelations, and criticisms, even if they contain inaccuracies, should not be punished as defamation.