MIB Group (through MIB Group Inc. and MIB LLC) operates a consumer-reporting database widely used in life and health insurance underwriting to help insurers verify application information and flag inconsistencies, including certain coded medical or medical-related indicators. Under the federal Fair Credit Reporting Act (FCRA), when a consumer asks for their “file” from a consumer reporting agency, the agency must disclose not only the information in the file but also the sources of that information. The settlement covers about 11,000 people who received MIB consumer file disclosure letters between Jan. 29, 2022, and May 14, 2025, where the letter referenced medical information obtained from a service provider, with expected payments around $140 per person and no claim form required. The lawsuit was filed because the plaintiff alleged MIB’s disclosures did not properly identify all information sources as required by FCRA §1681g(a)(2), particularly when medical-related data came from third-party service providers—an omission that can matter when consumers are trying to verify, correct, or dispute information that could affect insurance eligibility or pricing. MIB denied wrongdoing but agreed to pay $2.425 million to resolve the claims and to change its practices around source disclosure, a notable outcome because it pushes a key consumer-rights principle in the FCRA context: transparency about where sensitive medical-related underwriting signals originate, not just what the signals say. More broadly, the case fits into a steady stream of FCRA class actions targeting how consumer reporting agencies and data intermediaries handle disclosures, reinvestigations, and accuracy obligations—issues that show up not only in credit reporting but also in specialty reporting used for insurance, employment screening, and tenant checks. It also underscores the regulatory reality that FCRA governs “consumer reports” beyond traditional credit bureaus, while intersecting with health-privacy expectations: even if data is used for insurance underwriting and may not be covered like clinical records under HIPAA, FCRA still demands clear file and source disclosures so consumers can trace and challenge potentially consequential information in their reports.