EFX · All filings · Read this filing
What changed 10-Q
Item 1. Legal Proceedings
2024-10-21 compared with 2024-07-22 · 2 added, 2 removed, 24 unchanged (14% of the section changed)
12 unchanged sentences
The staff of the CFPB has informed us that the CFPB intends to seek injunctive and civil money penalties against us based on allegations related to the consumer disputes investigation and the coding issue investigation.
−Removed: We expect to engage in discussions with the CFPB and we are cooperating with the CFPB in its investigations.
+Added: We are engaging in discussions with the CFPB and we are cooperating with the CFPB in its investigations.
In July 2023, we received a CID from the CFPB as part of its investigation into data accuracy and dispute handling at our Workforce Solutions business unit in order to determine whether we have followed the FCRA's requirements.
−Removed: We received a second CID from the CFPB in March 2024 as part of the same investigation.
+Added: We received a second CID from the CFPB in March 2024 and a third CID from the CFPB in August 2024 as part of the same investigation.
The CIDs request the production of documents and answers to written questions.
9 unchanged sentences
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.