TransUnion Inaccurate Credit Report Class Action Settlement
Case Overview
TransUnion, one of the major credit reporting agencies, agreed to settle claims related to the sale of consumer reports containing inaccurate information. The issue involved the inclusion of bankruptcy remarks on reports even when there was no public record of a bankruptcy filing.
Plaintiffs alleged that TransUnion violated the Fair Credit Reporting Act (FCRA) by adding bankruptcy remarks to consumer reports without evidence of a public bankruptcy filing. The settlement covers consumers who were sold a report with such a remark but lacked a reference to a bankruptcy record in the public record section, specifically for reports issued between January 6, 2020, and January 31, 2023, and for whom no government-held public record of bankruptcy existed within 10 years prior to the report date.
Class members can receive payments based on their group membership: those in the No Bankruptcy Group can receive $100 automatically or around $1,000 by submitting a claim form. Members of the Aged Bankruptcy Group can receive around $350, but must submit a claim form. The deadline to submit a claim form or object is October 30, 2026, and the final approval hearing is set for December 2, 2026.
Who May Qualify
All persons residing in the United States and its territories to whom TransUnion sold a consumer report to a third party from January 6, 2020, to January 31, 2023, that included a bankruptcy remark on a tradeline but with no reference to a bankruptcy record in the public record section of the same report, and for whom there is no government-held public record of a bankruptcy filing within 10 years prior to the date of the report.
Frequently Asked Questions
Who is eligible for this settlement?
The settlement applies to individuals in the United States and its territories who received a TransUnion consumer report between January 6, 2020, and January 31, 2023. The report must have included a bankruptcy remark without a corresponding public record reference, and the individual must not have a government-held public record of bankruptcy within 10 years before the report date.
What are the payment options?
Payments vary by group. Members in the No Bankruptcy Group can receive an automatic $100 or up to $1,000 by filing a claim. Members in the Aged Bankruptcy Group can receive around $350, provided they submit a claim form.
What are the important dates?
The deadline for class members to submit a claim form or object is October 30, 2026. The final approval hearing for the settlement is scheduled for December 2, 2026.
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