$8.31M Trans Union Settlement Resolves Lawsuit Over Bankruptcy Remarks on Credit Accounts

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Trans Union, LLC has agreed to an $8,310,000 class action settlement to wrap up a lawsuit that alleged the credit-reporting agency unlawfully sold consumer credit reports that contained inaccurate bankruptcy information, namely bankruptcy filing remarks linked to a particular credit account without reference to a public-record bankruptcy court filing. 

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The Trans Union bankruptcy remark class action settlement received preliminary approval from the court on July 6, 2026. The settlement covers roughly 57,000 residents of the United States and its territories to whom, between January 6, 2020 and January 31, 2023, Trans Union sold to a third party a consumer report 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. 

The court-approved website for the Trans Union deal can be found at BrooksBankruptcyClassAction.com. 

Approximately 21,000 class members for whom there exists no locatable record of a bankruptcy filing, known as the “no bankruptcy group,” will automatically receive a $100 cash payment without having to file a claim form. 

However, class members in the “no bankruptcy group” can choose to file a timely, valid claim form to receive approximately $1,000 cash in addition to the $100 automatic payment from the settlement. 

All other consumers covered by the class action settlement, i.e., roughly 36,000 individuals for whom public record searches identified bankruptcies filed more than 10 years before the date of the Trans Union report at issue, known as the “aged bankruptcy group,” must file a timely, valid claim form to receive an estimated $350 cash payment. 

The final amount of each class member’s cash payout may increase or decrease, depending on the total number of valid claims filed, among other factors. 

To submit a Trans Union settlement claim form online, class members can head to this page and enter the claim number and PIN found on their copy of the settlement notice. After entering a claim number and PIN, each class member will learn whether they are in the “no bankruptcy group” or the “aged bankruptcy group.” 

Alternatively, class members can download a PDF claim form to print, complete and return by mail to the settlement administrator. 

Trans Union claim forms must be submitted online or by mail by October 30, 2026. 

The court will determine whether to grant final approval to the Trans Union bankruptcy remark settlement following a hearing on December 2, 2026. Settlement money will begin to be distributed after the deal receives final approval and any appeals are resolved.

The lawsuit against Trans Union alleged that the credit-reporting firm violated the federal Fair Credit Reporting Act (FCRA) when it sold consumer credit reports that contained inaccurate bankruptcy information. In particular, the credit reports at issue included a reference, or a remark, to a bankruptcy filing pertaining to a particular credit account but did not contain any public record of a bankruptcy court filing, the case claimed. 

The FCRA lawsuit asserted that it was inaccurate for Trans Union to include bankruptcy remarks when there existed no publicly available record of a bankruptcy filing within the 10 years before the date of the credit report.

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