CLA represented a class of consumers against a company that claimed the FCRA did not apply to it, so it would not comply with any of the FCRA’s requirements. The resulting settlement paid money to class members who had inaccurate reports and, in the most-significant aspect of the settlement, had LexisNexis revamp one of its key businesses so that it complied with the FCRA and create an entirely new business that also provided FCRA-like rights to consumers.