TransUnion Bankruptcy Reporting Class Action Settlement
TransUnion Bankruptcy Reporting Class Action Settlement
Trans Union, LLC has agreed to an $8.31 million settlement over allegations that it sold credit reports showing a bankruptcy remark on a tradeline when there was no bankruptcy record in the public record section of the report, in violation of the Fair Credit Reporting Act (FCRA). About 57,000 consumers who were the subject of such a report between January 6, 2020 and January 31, 2023, and who had no bankruptcy filing in the prior ten years, are in the class. About 21,000 No Bankruptcy Group members receive $100 automatically and can claim an estimated $1,000 more, and Aged Bankruptcy Group members can claim an estimated $350. Claims are due October 30, 2026.
Settlement fund
$8.31M
Common fund
Top payout
~$1,100
Estimated, No Bankruptcy Group with a claim
Claim deadline
Oct 30, 2026
32 days remaining
You may be owed money
Filing is free and takes a few minutes. Deadline: Oct 30, 2026.
Do you qualify?
You are a Class Member if ALL of the following apply:
- You live in the United States or its Territories, and between January 6, 2020 and January 31, 2023, Trans Union sold a consumer report about you 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.
- There is no government-held public record of a bankruptcy filing by you within ten years before the date of that report.
- No Bankruptcy Group (about 21,000 people): no locatable bankruptcy filing at all. You receive $100 automatically and can file a claim for more.
- Aged Bankruptcy Group (about 37,000 people): a bankruptcy filed more than ten years before the report. You must file a claim to receive a payment.
- Excluded: Anyone who filed for bankruptcy within the ten years before the report, and anyone who submits a timely request for exclusion.
Not sure if you qualify, or which group you are in? Use the Claim Number and PIN on your notice at BrooksBankruptcyClassAction.com, or call the Settlement Administrator at (888) 279-4003.
What happened
Plaintiff William Norman Brooks, III sued Trans Union, a consumer reporting agency, alleging that it violated Section 1681e(b) of the Fair Credit Reporting Act by failing to follow reasonable procedures to assure maximum possible accuracy when it reported bankruptcy remarks on individual tradelines without a corresponding bankruptcy record in the public record section of the same report. The Court certified the case as a class action on August 1, 2024, and class members were notified of the certification in 2025.
Trans Union denies the allegations and denies that it did anything wrong, and it maintains that it has a number of defenses. The Court has not decided who is right or wrong. The parties agreed to settle to avoid the cost, risk, and time of trial. On July 6, 2026, the Honorable Karen Spencer Marston preliminarily approved the $8.31 million Settlement.
How to file a claim
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1. Confirm your group
You are in the class if Trans Union sold a report about you between January 6, 2020 and January 31, 2023 showing a bankruptcy remark on a tradeline with no bankruptcy record in the report's public record section, and you had no bankruptcy filing in the ten years before that report. Enter the Claim Number and PIN from your notice on the settlement website to see whether you are in the No Bankruptcy Group or the Aged Bankruptcy Group.
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2. Estimate your payment
No Bankruptcy Group members receive a $100 automatic payment. Valid claimants share an approximately $2,882,000 Claims Fund pro rata using points: No Bankruptcy Group claimants get 3 points and Aged Bankruptcy Group claimants get 1 point. The Court filings estimate about $1,000 extra for No Bankruptcy Group claimants (on top of the $100) and about $350 for Aged Bankruptcy Group claimants. Actual amounts depend on how many valid claims are filed.
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3. File online or by mail
File online at BrooksBankruptcyClassAction.com using the unique Claim Number and PIN from your notice, or mail a paper Claim Form postmarked by October 30, 2026 to the Settlement Administrator, P.O. Box 16, West Point, PA 19486. You must certify under penalty of perjury that you did not file for bankruptcy in the ten years before the report, and check at least one box: that your credit score dropped because of bankruptcy information in your Trans Union file, or that you were denied credit and the bankruptcy information was a factor. Sign the form or it may not be accepted.
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4. Receive your payment
If the Court grants final approval at the December 2, 2026 hearing, the Administrator sends payments by check or electronic method within 20 days after the Settlement becomes final. Checks must be cashed within 60 days of mailing. If anyone appeals, payment will be delayed until the appeal is resolved, which can take a year or more. Unused funds go to consumer-focused nonprofits, not back to Trans Union.
Key dates
- Oct 30, 2026 Opt-out & objection deadline Upcoming
- Oct 30, 2026 Claim filing deadline Upcoming
- Dec 2, 2026 Final Fairness Hearing (10:00 a.m. ET, Courtroom 16-B, Philadelphia) Upcoming
- TBD after final approval Payments issued to claimants Pending
The Final Approval Hearing is scheduled for December 2, 2026 at 10:00 a.m. Eastern Time in Courtroom 16-B of the James A. Byrne U.S. Courthouse, 601 Market Street, Philadelphia, PA 19106, before the Honorable Karen Spencer Marston. The hearing may be moved or held virtually, so check BrooksBankruptcyClassAction.com for updates. Claims, opt-outs, and objections are all due October 30, 2026.
Where the money is going
This is a non-reversionary common fund. Administration costs, attorneys' fees, litigation expenses, the service award, and the No Bankruptcy Group automatic payments are paid from the $8.31 million fund. The remaining Claims Fund is split pro rata among valid claimants by points. Unclaimed or uncashed funds go to consumer-focused nonprofit organizations.
All amounts listed above are pending and subject to final court approval at the December 2, 2026 Final Approval Hearing. The Court may award less than the amounts requested. Per-claimant estimates come from the Court filings and will change based on the number of valid claims.
Common questions
How much money will I receive?
No Bankruptcy Group members receive $100 automatically. Valid claimants then share an approximately $2,882,000 Claims Fund pro rata, with No Bankruptcy Group claimants receiving 3 points and Aged Bankruptcy Group claimants receiving 1 point. The Court filings estimate about $1,000 more for No Bankruptcy Group claimants and about $350 for Aged Bankruptcy Group claimants, but the final amounts depend on how many valid claims are filed.
Do I need to submit proof of purchase?
The Claim Form does not ask you to attach documents. You must certify under penalty of perjury that you did not file for bankruptcy in the ten years before the report, and check at least one box stating that your credit score decreased because of bankruptcy information in your Trans Union file, or that you were denied credit and the bankruptcy information was a factor.
What if I didn’t receive a notice?
Class members were identified from Trans Union's records and mailed a notice with a unique Claim Number and PIN, which you need to file online and to see your group. If you did not receive a notice or lost your Claim Number and PIN, call the Settlement Administrator at (888) 279-4003 or use the Contact Us page at BrooksBankruptcyClassAction.com.
Does staying in the class affect my right to sue later?
Yes. Unless you request exclusion by October 30, 2026, you release Trans Union and its affiliates from claims that were or could have been asserted in the lawsuit about its reporting of bankruptcy remark information, including claims under 15 U.S.C. § 1681e(b) of the FCRA. The full release is in the Settlement Agreement on the Important Documents page.
When will payments be sent out?
Payments are sent only after the Court grants final approval at the December 2, 2026 hearing and any appeals are resolved. Once the Settlement is final, the Administrator has 20 days to send payments by check or electronic method. Checks expire 60 days after mailing, so cash yours promptly.
Dapeer Law, P.A.
Consumer class action attorneys based in South Florida. We track settlements so you don’t have to.
Similar open settlements
This page is for informational purposes only and does not constitute legal advice. Dapeer Law, P.A. is not the administrator of this settlement and is not affiliated with Trans Union, LLC, Continental DataLogix, LLC (the Settlement Administrator), or Class Counsel James A. Francis of Francis Mailman Soumilas, P.C. and Lauren KW Brennan of Francis Mailman Soumilas, P.C. The case is William Norman Brooks, III v. Trans Union, LLC, Case No. 2:22-cv-00048-KSM, pending in the United States District Court for the Eastern District of Pennsylvania before the Honorable Karen Spencer Marston. Class representatives are William Norman Brooks, III. Trans Union denies wrongdoing. This website is attorney advertising. Past results do not guarantee future outcomes.