This is a consumer class action brought for willful violations of the Fair Credit Reporting Act, 15 U.S.C 1681-1681x ("FRCA"), against Defendant Linda McMahon, in her Official Capacity as the Secretary of the United States Department of Education, Defendant Equifax Information Services, LLC ('Equifax"), Defendant Experian Information Solutions, Inc. ("Experian"), and Defendant TransUnion, LLC ("TransUnion").