$8.31M TransUnion inaccurate credit report class action settlement

TransUnion agreed to pay $8.31 million as part of a class action settlement to resolve claims that it sold inaccurate consumer reports that contained bankruptcy remarks despite there being no public record of a bankruptcy filing.

The TransUnion settlement benefits consumers who were sold a TransUnion consumer report that included a bankruptcy remark but did not include a reference to a bankruptcy record in the public record section of the report between Jan. 6, 2020, and Jan. 31, 2023, for consumers for whom there is no government-held public record of a bankruptcy filing within 10 years prior to the date of the report.

The settlement includes a “No Bankruptcy Group” of around 21,000 class members who have no locatable record of a bankruptcy filing and an “Aged Bankruptcy Group” of around 36,000 class members whose public record searches only identified bankruptcies that were filed more than 10 years before the date of the TransUnion report.

According to a class action lawsuit, TransUnion sold consumer reports that contained inaccurate credit report information about bankruptcies. Plaintiffs in the case say that TransUnion included bankruptcy remarks on consumer reports even when there was no public record of a bankruptcy filing, violating the Fair Credit Reporting Act (FCRA).

TransUnion is one of three major credit reporting agencies in the United States. TransUnion collects and sells information about consumers to lenders, landlords and other third parties who want to assess a consumer’s creditworthiness.

TransUnion has not admitted any wrongdoing but agreed to an $8.31 million class action settlement to resolve the allegations.

Under the terms of the TransUnion settlement, class members can receive a cash payment based on their group membership. Class members in the No Bankruptcy Group who do not exclude themselves from the settlement will receive an automatic payment of $100. Class members in this group who submit a claim form can receive a higher payment of around $1,000.

Class members in the Aged Bankruptcy Group can receive around $350 but must submit a claim form to receive these payments.

The deadline for exclusion and objection is Oct. 30, 2026.

The final approval hearing for the TransUnion settlement is scheduled for Dec. 2, 2026.

To receive settlement benefits, class members must submit a valid claim form by Oct. 30, 2026.

Who’s Eligible

The TransUnion class action settlement benefits all persons residing in the United States and its territories to whom TransUnion sold a consumer report to a third party from Jan. 6, 2020, to Jan. 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. Included are those for whom public record searches identified only bankruptcies that were filed more than 10 years before the date of the TransUnion credit report.

Potential Award

From $100 to $1,000

Proof of Purchase

N/A

Claim Form

NOTE: If you do not qualify for this settlement do NOT file a claim.

Remember: you are submitting your claim under penalty of perjury. You are also harming other eligible Class Members by submitting a fraudulent claim. If you’re unsure if you qualify, please read the FAQ section of the Settlement Administrator’s website to ensure you meet all standards (Top Class Actions is not a Settlement Administrator). If you don’t qualify for this settlement, check out our database of other open class action settlements you may be eligible for.

Claim Form Deadline

10/30/2026

Case Name

Brooks v. TransUnion LLC, Case No. 2:22-cv-00048-KSM, in the U.S. District Court for the Eastern District of Pennsylvania

Final Hearing

12/02/2026

Settlement Website

BrooksBankruptcyClassAction.com

Claims Administrator

Brooks v. TransUnion LLC
c/o Settlement Administrator
P.O. Box 16
West Point, PA 19486
[email protected]
888-279-4003

Class Counsel

James A. Francis
Lauren KW Brennan
FRANCIS MAILMAN SOUMILAS P.C.

Defense Counsel

Elizabeth L. McKeen
Danielle N. Morris
O’MELVENY & MYERS LLP