TransUnion has agreed to the settlement of $2.5 million; the fund is going to be distributed among the individuals who were assigned a user reference number listed in TransUnion or PRA Data Productions, where TransUnion sent PRA data more than two business days even after a deletion request.
The settlement of the $2.5 million resulted from the class action lawsuit, which was filed against the company with allegations that it had violated the Fair Credit Reporting Act (FCRA) by failing to delete consumer data after deletion requests and sharing outdated information with a debt collector.
As of now, the settlement has received the preliminary approval from the court. Note that the defendant has agreed to a settlement but didn’t accept any wrongdoing. To get a payout from this settlement, there is no provision for the submission of a claim. Here, we have discussed eligibility, payout, and other details.
What’s the TransUnion FCRA Class Action Settlement about?
Back in 2023, plaintiff Wilson filed a class action lawsuit against the company with allegations that it had violated the Fair Credit Reporting Act by continuing to share outdated consumer information with PRA. After that month’s legal proceedings, the defendant agreed to the settlement of $2.5M.
In September 2025, the details about the TransUnion FCRA Class Action Settlement were made public with the launch of the portal, and in the following month, all the class members received a notice from the settlement administrator, which has many crucial details about getting the settlement.
As there is no provision of claim form submission for the class action settlement, each individual who won’t have manually excluded himself or herself will surely get the payout. Note that the deadline to opt out from the class members and object to the settlement is November 4, 2025.
Settlement Overview
| Settlement Amount | $2.5 million total fund |
| Law Violated | Fair Credit Reporting Act (FCRA) |
| Reason for Lawsuit | TransUnion shared outdated data after deletion requests |
| Lawsuit Filed By | Plaintiff Wilson in 2023 |
| Eligible Period | January 20, 2021 – December 31, 2023 |
| Who Is Eligible | U.S. residents whose data was shared with PRA after deletion requests |
| Average Payout | Around $40 per eligible person |
| Payment Method | Paper check sent to mailing address |
| Final Hearing Date | December 15, 2025 |
| Expected Payment Time | Around March 2026 (if no appeals) |
Who is eligible for the payout?
To get the payout from the TransUnion FCRA class action settlement, it is mandatory that you meet the eligibility requirements.
- You are a citizen of the US and reside in any territory of the country,
- You were assigned a user reference number listed in the data shared between TransUnion and PRA, and
- For your reference number, the TransUnion sent PRA data through its ‘Triggers For Collection’ for more than two business days even after PRA submitted a request to delete.
Note that the incident must be between January 20, 2021, and December 31, 2023. Additionally, it is mandatory that you have received a notice from the settlement administrator with the Claim ID and PIN.
How and how much settlement payout will be received?
Under the $2.5 million TransUnion FCRA class action settlement, the payment is going to be received by all class members. Note that the payout amount is going to be different from one another for each class member of the settlement. Each eligible individual is expected to get an average payment of $40.
The payout under the TransUnion FCRA class action settlement is going to be received via paper check. It will be received directly at the residential address of class members. Note: after the release of the payment, it is expected to be received within a week; for the remote areas, it is likely to take up to 10 days.
When to expect the payment?
The payout under the TransUnion FCRA class action settlement will be received within a few months after the final approval. The hearing for the same will take place on December 15, 2025. If the final approval is received without any appeal, the payout check is expected to be sent out probably in March 2026.
If there will be any appeal, the settlement payment will be delayed until these appeals are resolved. To stay updated about the TransUnion FCRA class action $2.5 million settlement payout, make sure you keep an eye on the settlement portal.
Disclaimer: TransUnion FCRA settlement 2025 details are informational; eligibility and payouts are set by official administrators.
