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All other purported class actions are at preliminary stages or stayed.
−Removed: FCA Investigation.
−Removed: The U.K.’s Financial Conduct Authority (“FCA”) opened an enforcement investigation against our U.K.
−Removed: subsidiary, Equifax Limited, in October 2017 in connection with the 2017 cybersecurity incident.
−Removed: We received a notice with the FCA's findings on October 13, 2023, and paid a penalty of $13.5 million to resolve the matter.
−Removed: In December 2021, we received a Civil Investigative Demand (a “CID”) from the CFPB as part of its investigation into our consumer disputes process in order to determine whether we have followed the FCRA's requirements for the proper handling of consumer disputes.
−Removed: The CID requests the production of documents and answers to written questions.
−Removed: We are cooperating with the CFPB in its investigation and providing responses and information on an ongoing basis.
−Removed: In January 2023, the CFPB informed us that its enforcement division will be investigating our previously-disclosed coding issue identified within a legacy server environment in the U.S.
+Added: In December 2021, we received a Civil Investigative Demand (a “CID”) from the CFPB as part of its investigation into our consumer disputes process at our USIS business unit in order to determine whether we have followed FCRA requirements for the proper handling of consumer disputes.
+Added: The CID requested the production of documents and answers to written questions.
+Added: In January 2023, the CFPB informed us that its enforcement division would be investigating our previously-disclosed coding issue identified within a legacy server environment in the U.S.
that impacted how some credit scores were calculated during a three-week period in 2022.
−Removed: We are cooperating with the CFPB in its investigation.
+Added: In January 2025, we entered into a consent order with the CFPB to settle the investigation into our consumer disputes process at our USIS business unit and the investigation into our previously-disclosed coding issue.
+Added: The consent order resolves these investigations and requires the payment of a civil money penalty of $15 million.
+Added: As part of the settlement, the Company has agreed to modify certain business practices.
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: The CID requests the production of documents and answers to written questions.
+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.
+Added: The CIDs request the production of documents and answers to written questions.
We are cooperating with the CFPB in its investigation and providing responses and information on an ongoing basis.
−Removed: At this time, we are unable to predict the outcome of these CFPB investigations, including whether the investigations will result in any actions or proceedings against us.
+Added: At this time, we are unable to predict the outcome of this CFPB investigation, including whether the investigation will result in any actions or proceedings against us.
Equifax has been named as a defendant in various other legal actions, including administrative claims, regulatory matters, government investigations, class actions and other litigation arising in connection with our business.
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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.