Consumer reports are predictive, reliable, and accurate and there are laws in place to ensure and enforce this.  These are the overarching points CDIA made to the FTC and the CPFB in response to their Accuracy in Consumer Reporting Workshop in December 2019.  CDIA served on two of the four panels at that workshop.  To reinforce key points, CDIA filed a comment in advance of that workshop in December 2019 and we just filed a follow-up comment in January 2020.  All comments filed in connection with that workshop are available online.