Key players include the CFPB, which retreated after the Trump administration's January 2025 start, leading to overall federal enforcement dropping from 83 actions in 2024 to 51 in 2025 (27 federal).[2][8][10] This followed intense 2024 activity; complaints surged due to disputes over investigations exceeding 30 days, improper report usage, and issues with fraud alerts/security freezes.[1][14] No specific companies or individuals are named in the actions, but broader context involves credit reporting agencies failing to validate disputed data from furnishers.[1]
The March 2026 report previews 2026 amid ongoing changes like the HPPA (effective March 4, restricting report furnishing to firm credit/insurance offers by mortgage originators, insured depositories/credit unions, or authorized parties)[1] and CFPB's FCRA fee cap rising to $16 (effective January 1).[3] Newsworthy now as it highlights 2025's enforcement retrenchment contrasting complaint surges, signaling states/FTC filling gaps while consumers face persistent inaccuracies amid 2026 reforms like BNPL reporting and medical debt removals.[1][2][5][14]