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Enforcement actions

When we take an enforcement action against an entity or person we believe has violated the law, we will post court documents and other related materials here.

The Bureau may enforce the law by filing an action in federal district court or by initiating an administrative adjudication proceeding. Administrative proceedings are conducted by an Administrative Law Judge, who holds hearings and issues a recommended decision. Proceedings are conducted in accordance with the Rules of Practice for Adjudication Proceedings .

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TransUnion Interactive, Inc., TransUnion, LLC, TransUnion, and John T. Danaher

On April 12, 2022, the Bureau filed a lawsuit in the federal district court for the Northern District of Illinois against TransUnion, parent company of one of the three nationwide consumer reporting agencies, and two of its subsidiaries, TransUnion, LLC, TransUnion Interactive, Inc. (collectively, the TransUnion Companies), which are headquartered in Chicago, Illinois, as well as former executive John Danaher.

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Sterling Infosystems, Inc.

On November 22, 2019, the Consumer Financial Protection Bureau filed a proposed stipulated judgment with Sterling Infosystems, Inc., a consumer reporting agency headquartered in New York. 

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Equifax, Inc.

On July 22, 2019, the Consumer Financial Protection Bureau (Bureau), the Federal Trade Commission (FTC), and 48 states, the District of Columbia and Puerto Rico announced a global settlement with Equifax that provides up to $700 million in monetary relief and penalties.

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Equifax Inc. and Equifax Consumer Services LLC

The Consumer Financial Protection Bureau (CFPB) took action against Equifax, Inc. and its subsidiary for deceiving consumers about the usefulness and actual cost of credit scores they sold to consumers, and for luring consumers into costly recurring payments for credit products.

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TransUnion Interactive, Inc., TransUnion, LLC, and TransUnion

The Consumer Financial Protection Bureau (CFPB) took action against TransUnion and its subsidiaries for deceiving consumers about the usefulness and actual cost of credit scores they sold to consumers, and for luring consumers into costly recurring payments for credit products.

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Clarity Services, Inc., and Timothy Ranney

CFPB took action against a nationwide credit reporting company, Clarity Services, Inc., and its owner, Tim Ranney, for illegally obtaining consumer credit reports.

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General Information Services, Inc., and e-Backgroundchecks.com, Inc.

CFPB took action against General Information Services and its affiliate, e-Background-checks.com, Inc. (BGC), two of the largest employment background screening report providers for failing to take basic steps to assure the information reported about job applicants was accurate.

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