TransUnion $2.5M Credit Data Class Action Settlement

Individuals whom Portfolio Recovery Associates LLC monitored through TransUnion’s Triggers for Collection product and then requested their removal between Jan. 20, 2021, and Dec. 31, 2023, may qualify to claim at least $40 from a class action settlement.

TransUnion LLC agreed to pay $2.5 million to settle a class action lawsuit alleging it continued to send consumer credit report data to third-party collection agencies after PRA instructed it to stop. The lawsuit claims this conduct violated the Fair Credit Reporting Act.

Who are the class members?

Class members must meet all of the following criteria:

• They are natural persons in the United States or its territories.
• They received a User Reference Number from the data TransUnion and Portfolio Recovery Associates LLC produced.
• The data shows TransUnion sent PRA data through its Triggers for Collection product for that URN.
• This occurred more than two business days after PRA submitted a request to delete that URN from TFC.
• This occurred between Jan. 20, 2021, and Dec. 31, 2023.

There are approximately 38,805 class members. TransUnion’s records indicate an individual is among the affected consumers if they received a postcard notice about the settlement.

How much is the TransUnion payout?

The settlement establishes a $2.5 million fund. After deducting settlement administration costs, attorneys’ fees and a service award to the class representative, the settlement administrator will distribute the remaining funds equally among all class members who do not opt out.

The anticipated minimum payment per class member is at least $40. The exact amount depends on the number of class members who do not opt out and the final administrative costs.

No action needed to receive payment

Class members who received a notice about the settlement do not need to file a claim or take any action to receive a settlement payment. The settlement administrator already has the necessary information to identify eligible class members.

The settlement administrator will mail checks automatically to eligible class members after the court grants final approval. Those whose addresses have changed should contact the settlement administrator to update their information.

Settlement administrator’s mailing address: Wilson v. TransUnion, LLC c/o Settlement Administrator, P.O. Box 16, West Point, PA 19486

$2.5 million settlement fund breakdown

The $2,500,00o settlement fund includes:

• Settlement administration costs: To be determined
• Attorneys’ fees and expenses: Up to $833,333.33
• Service award to class representative: Up to $5,000
• Payments to eligible class members: The remaining funds

If any funds remain after all distributions (for example, from uncashed checks), the settlement administrator will split them equally between the National Center for Law and Economic Justice and the National Consumer Law Center.

Important dates

• Exclusion/opt-out deadline: Nov. 4, 2025
• Final fairness hearing: Dec. 15, 2025

When is the Wilson v. TransUnion payout date?

The settlement administrator will issue payments approximately 45 days after the court enters an order of final approval of the class action settlement.

Why did this class action settlement happen?

The class action lawsuit alleged TransUnion continued to send consumer report data to third-party collection agencies through its Triggers for Collection product even after Portfolio Recovery Associates instructed it to stop. The plaintiff claimed this violated the Fair Credit Reporting Act.

TransUnion denies these allegations but agreed to settle to avoid the risks, costs and delays of continued litigation.

Sources

1. Class notice
2. Settlement agreement
3. Settlement FAQ