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Award (how much your claim may be worth):
$20 – $750 (depending on the type of claim you submit and the total number of claims received)
Class Action Lawsuit Settlement Case(s): White, et al. v. TransUnion LLC, Experian Information Solutions, Inc., and Equifax Information Services LLC, et al., Case No. 05-cv-1070 DOC (MLGx), United States District Court for the Central District of California Southern Division
Company(ies): TransUnion LLC 
, Experian Information Solutions, Inc. 
, and Equifax Information Services LLC 
Website Link to access the Class Action Lawsuit Settlement and get YOUR Stake (COMPLETE AND SUBMIT YOUR CLAIM FORM ONLINE HERE): Settlement Administrator Website
Address of Class Action Lawsuit Settlement Administrator to submit a claim form (REQUIRED IF YOU DIDN’T RECEIVE NOTICE IN THE MAIL AND DON’T HAVE A CONTROL NUMBER):
White, et al. v. Experian Information Solutions, Inc.
c/o The Garden City Group, Inc.
P.O. Box 9517
Dublin, OH 43017-4817
Phone Number to call for assistance: 1-866-237-3432
Details: This class action lawsuit settlement covers those who claimed bankruptcy and had errors on their credit reports from TransUnion, Experian and/or Equifax. The errors may have included charges on the credit report which should have been expunged by the bankruptcy. The amount you can claim depends on what happened to you in your specific situation. If you had debts listed on your credit report that should have been listed as discharged by the bankruptcy, but weren’t, and nothing bad happened because of it (you weren’t denied a job, mortgage or credit card) than you can submit a claim for Option 1, which is a convenience award estimated to be $20. This is the “easy” claim and it’s estimated that the majority of claimants will fit into Option 1.
If you suffered damages from the error on your TransUnion, Experian and/or Equifax credit report you can claim significantly more in this class action lawsuit settlement. If you suffered damages you can claim Option 2. Option 2 in the credit reporting error class action lawsuit settlement is estimated to give your $750 (estimated) if you weren’t hired for a job due to your credit report, $500 (estimated) if you were denied a mortgage loan because of the error on your credit report or $150 (estimated) if you were denied a credit card, auto loan or other bank loan because of the error on your credit report. If you choose Option 2 you must list the month and year you were denied the item you are claiming. The settlement administrator will pay you the highest amount you qualify for. Payment will be made only for the highest dollar category for which you qualify even if you qualify for two or three of them. Also, the exact amounts may be somewhat higher or lower than the projected amounts, depending on the number of class members who qualify for awards under this Settlement. For example, if you were denied a home mortgage loan and also weren’t hired for a job because of the error(s) on your credit report you would be paid $750 (estimated) in this class action lawsuit settlement because they are only paying you for ONE incident, not two, and will automatically pay you for the option which grants you a higher dollar amount. If you submit a claim for Option 2, and the settlement administrator determines you don’t qualify for it, they will automatically pay you the Convenience Award of $20. Now, head over to the Settlement Administrator website, print out your claim form, fill it out completely, sign it, date it, and submit it!
Purchased From: March 15, 2002 – May 11, 2009 (or, for California residents in the case of TransUnion, between May 12, 2001 and May 11, 2009)
Claims Accepted Until (YOU MUST SUBMIT YOUR CLAIM BY THIS DATE!): 11/30/09
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Class Action Lawsuit Settlement Amount(s): $45,000,000 = $10,000,000 to the affected class claiming Option 1 (those claiming the convenience award of $20 each) + $23,430,000 (ESTIMATE) to the affected class claiming Option 2 + $20,000 ($5,000 to each Lead/Named Plaintiff) +$11,250,000 Attorney Fees + $300,000 (ESTIMATE) Settlement Administrator Charges/Expenses
Settlement Administrator(s): The Garden City Group, Inc.
Plaintiff Counsel:
Michael W. Sobol, Esq.
LIEFF CABRASER HEIMANN & BERNSTEIN, LLP
Michael Caddell, Esq.
CADDELL & CHAPMAN
Lee A. Sherman, Esq.
CALLAHAN, MCCUNNE & WILLIS, APLC
National Consumer Law Center
Consumer Litigation Associates
Defense Counsel:
Craig E. Bertschi, Esq.
Cindy Hanson, Esq.
KILPATRICK STOCKTON LLP
Daniel J. McLoon, Esq.
Michael G. Morgan, Esq.
JONES DAY
Julia B. Strickland, Esq.
Stephen J. Newman, Esq.
STROOCK & STROOCK & LAVAN LLP
TCA Staff Tidbit: 
At Top Class Actions we received many complaints of this happening when we started up in early 2008. Since then TransUnion, Equifax and Experian have updated the way they report bankruptcy discharged debts so they should be reported correctly. This happened because of an earlier class action lawsuit settlement. That class action lawsuit settlement didn’t include any payments for the affected class. That’s why you now have this settlement. It offers some compensation for those who were affected by the way the big three credit reporting bureaus reported (or failed to report) bankruptcy discharged debts.
Overall this appears to be a good settlement for the consumer. Obviously some may feel that $750 as compensation for a job they didn’t get, or $500 for a home they missed out on isn’t enough, but it’s better than bupkis. In our opinion this isn’t the most important class action lawsuit settlement related to the credit reporting bureaus. That happened back in August of 2008 when the plaintiff attorneys settled with TransUnion, Equifax and Experian for injunctive relief which resulted in bankruptcy discharged debts getting reported correctly. That’s the biggest help for those who had to claim bankruptcy and allows them to move on with their lives. That’s just our opinion. If you are eligible, make sure to submit your claim now! Don’t miss out on what could be hundreds of dollars for you!
This site provides information about the law and class action lawsuit settlements designed to help users safely cope with their own legal needs. Legal information is NOT the same as legal advice – the application of law to an individual’s specific circumstances. Although we go to great lengths to make sure our information is accurate and useful, we recommend you consult a lawyer if you want professional assurance that our information, and your interpretation of it, is appropriate to your particular situation. You should consider all postings or writings at TopClassActions.com by staff or others as personal opinion only and NOT the advice of a lawyer. Top Class Actions Legal Statement
91 thoughts onBankruptcy Discharge Credit Report Errors Class Action Lawsuit Settlement
Bankruptcy Discharge Credit Report Errors Class Action Lawsuit Settlement
Just talked to the Rep. at Garden City Gro (GCG) 614-289-5400. She said, supplemental briefing was submitted on Nov. 4, 2010. However, the judge has the power to either dismiss or approve settlement. Therefore, if things go well it takes about 90 days to distribute settlement checks. Thus, maybe by the end of January or early February check your mail. Good luck to you!!!!!!
Bankruptcy Discharge Credit Report Errors Class Action Lawsuit Settlement
UPDATE: On August 6, 2010, the Court set a briefing schedule after receipt of Settling Plaintiffs’ Submission Complying with the Court’s Order Conditionally Granting Request for Second Notice, and Alternative Notice Proposal. The parties subsequently filed documents with the Court. On October 20, 2010, the Court Ordered the parties to submit supplemental briefing by no later than November 4, 2010.
What does this mean now?:-(
Bankruptcy Discharge Credit Report Errors Class Action Lawsuit Settlement
I think we should all get a class Action Lawsuit against them for having us beleive we were getting something
Bankruptcy Discharge Credit Report Errors Class Action Lawsuit Settlement
I haven’t heard anything yet either. Wonder if we’ll ever receive anything from this one.
Bankruptcy Discharge Credit Report Errors Class Action Lawsuit Settlement
should’ we get an extra $200.00 for the waiting? the attorneys might have messup the final closing of the case. Dear Attorneys send the money ASAP and the Extra amount for screwing us all up.
Bankruptcy Discharge Credit Report Errors Class Action Lawsuit Settlement
Continued,
Once I had each fixed, my score went back to where it should have been in the first place. They were double dipping so to speak in hurting my credit score before my fix by counting not only the Bankruptcy filing showing on my credit report against me but also counting each account included in my bankruptcy as being a delinquent account instead of reporting them as included in the Chapter 7 Bankruptcy. I was hoping to be modestly compensated for my trouble all those years ago from the looks of the original settlement amounts but now doubt I’ll see even a fraction of what was originally proposed!
Bankruptcy Discharge Credit Report Errors Class Action Lawsuit Settlement
WTF….just giving us the run around again….we might as well kiss any decent judgment originally negotiated goodbye….the only way one can prove harm the way they’re wanting to go about it is to have each of us provide a copy of our incorrect credit reports. yea….like I really kept an old copy of it laying around after nearly 6-7 years, a$$holes. I had to go through the trouble and aggravation with each of the Big 3 Credit Bureaus and have them fix the way they had my Chapter 7 showing on my report in relation to the accounts included within my Bankruptcy. Each of them had my report f’kd up big time.
Bankruptcy Discharge Credit Report Errors Class Action Lawsuit Settlement
UPDATE: On August 6, 2010, the Court set a briefing schedule after receipt of Settling Plaintiffs’ Submission Complying with the Court’s Order Conditionally Granting Request for Second Notice, and Alternative Notice Proposal. The Court took this submission as a partial motion for reconsideration, and gave the Objecting Plaintiffs the opportunity to fully brief the issue. The Objecting Plaintiffs shall file any opposition to the motion by August 23, 2010. The Settling Plaintiffs and/or Defendants shall file any reply by August 30, 2010. This website will be updated as soon as more information is available.
i saw this update so sounds like more run around
Bankruptcy Discharge Credit Report Errors Class Action Lawsuit Settlement
yea same here they are scrambling to find it…the ol ballgame is closing out..maybe they are in negotiations with the chinese to borrow the money!!!:P
Bankruptcy Discharge Credit Report Errors Class Action Lawsuit Settlement
just was concerned if anyone got anything