TransUnion $2.5M Credit Data Class Action Settlement
If TransUnion’s “Triggers for Collection” tool continued to share your credit information after Portfolio Recovery Associates (PRA) told it to stop, you could automatically receive at least $40 from a new $2.5 million settlement. Roughly 38,805 people qualify, and no claim form is required—payments will be mailed automatically. Review the eligibility rules and key deadlines below, and update your address with the settlement administrator if necessary.
Download Claim Form (PDF)Who Is Eligible?
- Natural persons in the U.S. or its territories.
- Received a User Reference Number (URN) produced by TransUnion and PRA.
- TransUnion sent PRA data for that URN through its Triggers for Collection product more than two business days after PRA asked for deletion.
- Event occurred between Jan. 20 2021 and Dec. 31 2023.
If you received a postcard notice, TransUnion’s records show you meet these criteria.
Settlement Benefits
- Cash Payment: Minimum of $40 (final amount depends on opt-outs and costs).
- No Claim Needed: Checks mailed automatically 45 days after final court approval.
Important Dates
- Opt-Out Deadline: November 4 2025
- Final Fairness Hearing: December 15 2025
- Estimated Mailing of Payments: ~45 days after the court’s final approval order
How the $2.5 Million Fund Will Be Used
- Administrative costs (to be determined)
- Attorneys’ fees & expenses (up to $833,333.33)
- Service award to class representative (up to $5,000)
- Cash for class members: all remaining funds
Uncashed check funds will be split equally between the National Center for Law and Economic Justice and the National Consumer Law Center.
Background of the Case
The lawsuit (Wilson v. TransUnion LLC, No. 1:23-cv-00131-JPH-MJD) claimed TransUnion violated the Fair Credit Reporting Act by continuing to supply consumer report data to third-party collectors after PRA instructed it to stop. TransUnion denies wrongdoing but agreed to settle to avoid further litigation risk and expense.
Need to Update Your Address?
Email, call, or write the settlement administrator so your check arrives without delay:
- Mail: Wilson v. TransUnion, LLC c/o Settlement Administrator, P.O. Box 16, West Point, PA 19486
- Phone: 833-244-4146
- Email: questions@wilsonfcraclassaction.com
Frequently Asked Questions
What is the TransUnion $2.5M Credit Data Class Action Settlement about?
It resolves claims that TransUnion continued sharing credit report data with collectors beyond PRA’s deletion requests, allegedly breaching the Fair Credit Reporting Act.
Do I need to submit a claim form?
No. Eligible class members will be identified from TransUnion’s records and automatically receive payment.
How much money will I receive?
The current estimate is at least $40, but the exact amount depends on how many people opt out and final cost deductions.
When will checks be mailed?
Approximately 45 days after the court grants final approval, currently scheduled to be considered on December 15 2025.
Can I exclude myself from this settlement?
Yes. To keep your right to sue separately, you must mail an exclusion request so it is received by November 4 2025.