$2.5M TransUnion FCRA class action settlement

TransUnion has agreed to a $2.5 million class action lawsuit settlement to resolve claims it violated the Fair Credit Reporting Act (FCRA) by failing to delete consumer information from its databases.

The settlement benefits individuals who were assigned a user reference number within the data productions provided by TransUnion and third-party collection agency Portfolio Recovery Associates LLC (PRA), which show that TransUnion sent PRA data through its Triggers For Collection product for that user reference number more than two business days after PRA submitted a request to delete that user reference number from Triggers For Collection between Jan. 20, 2021, and Dec. 31, 2023.

TransUnion is a credit reporting agency that collects and sells consumer information to lenders, landlords, employers and others who want to assess a consumer’s creditworthiness.

According to a class action lawsuit, TransUnion failed to delete consumer information from its databases after being requested to do so by Portfolio Recovery Associates, a debt collection agency. The plaintiff in the case alleges the practice constitutes FCRA violations.

The FCRA requires credit reporting agencies to maintain accurate information and to delete information that is no longer accurate. The law also requires credit reporting agencies to investigate consumer disputes and to provide accurate information to lenders and others who request consumer credit reports.

TransUnion has not admitted any wrongdoing under the FCRA but agreed to resolve the allegations with a $2.5 million class action lawsuit settlement.

Under the terms of the TransUnion settlement, class members can receive a cash payment.

Class members who do not exclude themselves from the settlement will be eligible for an equal share of the net settlement fund. Class counsel estimates each class member will receive at least $40. However, exact payments will vary depending on the number of participating class members.

The deadline for exclusion and objection is Nov. 4, 2025.

The final approval hearing for the TransUnion settlement is scheduled for Dec. 15, 2025.

No claim form is required to benefit from the settlement. Class members who do not exclude themselves by the deadline will automatically receive settlement benefits.

Who’s Eligible

All natural persons within the United States and its territories who: (1) were assigned a user reference number listed within the Data Productions provided by TransUnion and third party collection agency Portfolio Recovery Associates LLC; (2) which Data Productions show that TransUnion sent PRA data through its Triggers For Collection product for that user reference number; (3) more than two business days after PRA submitted a request to delete that user reference number from TFC; (4) between Jan. 20, 2021, and Dec. 31, 2023.

Potential Award

At least $40.

Proof of Purchase

N/A

Claim Form Deadline

12/15/2025

Case Name

Wilson v. TransUnion LLC, Case No. 1:23-cv-00131-JPH-MJD, in the U.S. District Court for the Southern District of Indiana, Indianapolis Division

Final Hearing

12/15/2025

Settlement Website

WilsonFCRAClassAction.com

Claims Administrator

Wilson v. TransUnion LLC
c/o Settlement Administrator
P.O. Box 16
West Point, PA 19486
833-244-4146

Class Counsel

David Marco
SMITHMARCO P.C.

Stacy Bardo
BARDO LAW P.C.

Defense Counsel

Danielle Morris
O’MELVENY & MYERS LLP