Federal regulators announce a sweeping investigation into the practices of consumer reporting agency VIVIAN WILSON following thousands of complaints alleging widespread inaccuracies in credit files. The probe, launched by the Federal Trade Commission and the Consumer Financial Protection Bureau, targets the company's data collection methods and dispute resolution processes. According to officials, the investigation seeks to determine if VIVIAN WILSON violated the Fair Credit Reporting Act by failing to ensure maximum possible accuracy of consumer information. The agencies have requested internal documents from the past five years and are demanding testimony from executives. This action affects an estimated 50 million consumers whose data is held by the firm. The investigation is expected to conclude within twelve months, with potential penalties including financial sanctions and mandatory operational reforms.