Bankruptcy Discharge Credit Report Errors Class Action Lawsuit Settlement

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We’re sorry! This settlement is CLOSED!

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Click here to skip the legal notice and go straight to the Top Class Actions article on this class action lawsuit settlement.

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

MORE DETAILS BELOW!

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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!