In 2006, Nationwide Mutual Insurance Company reached a class action settlement with policyholders in a suit brought in the United States District Court of the District of Oregon by Ruslan Razilov, Sara Lapham, and Derek Lapham (the "Settlement"). The plaintiffs in that suit alleged that notices sent by Nationwide Mutual Insurance Company did not satisfy the requirements of the federal Fair Credit Reporting Act. See 15 U.S.C. § 1681 (2007).