$2.5M TransUnion Settlement Ends Class Action Lawsuit Over Allegedly Unauthorized Credit Reports

New to ClassAction.org? Read our Newswire Disclaimer

A $2.5 million settlement will resolve a class action lawsuit that alleged that TransUnion furnished consumer report data to third parties, including debt collection agency Portfolio Recovery Associates (PRA), through the Triggers for Collection (TFC) service without a lawful purpose.

Don’t miss the next class action settlement deadline. Sign up for ClassAction.org’s free weekly newsletter.

The court-authorized website for the TransUnion class action settlement can be found at WilsonFCRAClassAction.com.

The deal covers a class of 38,805 people in the United States and its territories who, between January 20, 2021 and December 31, 2023, were assigned a user reference number (URN) listed in certain files produced by TransUnion and PRA that show that the defendant sent data regarding the URN to the debt collector through the TFC service more than two business days after PRA submitted a request to delete the URN from the service.

“In other words, you are a Class Member if, between January 20, 2021 and December 31, 2023, collection agency PRA submitted a request to delete you from continued credit monitoring through TransUnion’s TFC product and TransUnion did not process that request for some reason,” the settlement website says. “If you received a postcard in the mail about this class action, company records show you are one of the consumers about whom TransUnion communicated credit reporting information.”

The official TransUnion settlement website says that, as part of the deal, eligible class members will receive a pro-rated share of the $2.5 million fund, after deductions are made for administration costs, attorneys’ fees and service awards.

Eligible class members do not need to do anything to receive a TransUnion settlement payment.

Consumers are expected to receive approximately $40 per person, though final payout amounts will depend on how many class members opt out of the settlement, the website relays.

The class action settlement received preliminary approval from the court on August 6, 2025. Next, the court will determine whether to grant final approval to the terms of the settlement agreement at a hearing on December 15, 2025.

The agreement notes that, should the deal be ultimately approved, TransUnion settlement checks will be issued to eligible class members within 45 days following the date it goes into effect.

The lawsuit against TransUnion claimed the credit reporting agency ran afoul of the federal Fair Credit Reporting Act (FCRA) by continuing to disclose consumer data to third parties even after receiving requests to stop. According to the class action suit, the FCRA strictly prohibits access to consumers’ credit reports without a permissible purpose authorized under the law.

Looking for current class action lawsuits to join? Check out ClassAction.org’s class action lawsuit list.