Trans Union Bankruptcy Reporting Settlement

What happened

Trans Union allegedly sold consumer credit reports that included bankruptcy remarks on credit accounts without a corresponding public record of bankruptcy filing, which the plaintiff says violated the Fair Credit Reporting Act. Trans Union denies wrongdoing. The settlement creates an $8.31 million fund to resolve the claims.

Do you qualify?

All persons residing in the United States and its territories from January 6, 2020 to January 31, 2023 to whom Trans Union sold a consumer report to a third party that included a bankruptcy remark on a tradeline but no 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 ten years before the report date. The class includes a No Bankruptcy Group and an Aged Bankruptcy Group.

What the settlement pays

No Bankruptcy Group members receive an automatic $100 without filing a claim; with a valid claim they are expected to receive approximately $1,000. Aged Bankruptcy Group members with a valid claim are expected to receive approximately $350. Actual amounts depend on claims rates.

Paid from a $8.3M settlement fund. Individual amounts depend on how many valid claims are filed.

How to file

No Bankruptcy Group members automatically receive $100, but may file a claim for a higher payment. Aged Bankruptcy Group members must file a claim to receive any payment. Claims must be submitted by October 30, 2026, online using the unique Claim Number and PIN from the notice, or by confirming/updating the address with the Settlement Administrator.