TransUnion Triggers For Collection Class Action Settlement
By Steve Levine
Image Credit: Unsplash | Published: September 23, 2025
Exclude or Object By: November 4, 2025
Final Fairness Hearing: December 15, 2025
Award: Automatic Cash Payment if Approved
Claim Form: Not Required
What is the TransUnion FCRA Settlement About?
Consumers may be part of a new $2.5 million class action settlement reached with TransUnion over allegations that it continued to send credit monitoring data to third parties through its product called "Triggers For Collection" after PRA asked TransUnion to stop for certain consumers. TransUnion denies wrongdoing but agreed to settle to avoid the cost and uncertainty of litigation.Recent TransUnion Class Actions (At a Glance)
Beyond Wilson v. TransUnion, consumers continue to bring lawsuits under the Fair Credit Reporting Act (FCRA) involving how credit data is reported, shared, and fixed after disputes. Here are the most common themes we're tracking right now:
- Inaccurate or outdated reporting — claims that information stayed wrong after people disputed it (FCRA §§ 1681e(b), 1681i).
- Improper credit pulls — allegations a report was accessed without a permissible purpose (FCRA § 1681b).
- Background-check disclosures — suits saying employers or screeners used non-compliant disclosure/authorization forms (FCRA § 1681b(b)(2)(A)).
- Sharing data after opt-outs or deletion requests — similar to the TFC issue in this settlement, where data alerts allegedly continued after a stop request.
For up-to-the-minute filings and settlements, visit our Class Action News hub. New TransUnion and credit-reporting updates are posted as soon as they're public.
Need a refresher on your rights when it comes to the FCRA? See: What is the Fair Credit Reporting Act (FCRA)?
What is TFC?
Triggers For Collection is a TransUnion product that monitors consumer credit files and alerts a debt collector when there is new activity that might indicate ability to pay. The lawsuit claims alerts were sent more than two business days after a delete request for some consumers.Was This Settlement Based on an FCRA Violation?
Yes. The lawsuit claims that TransUnion broke the Fair Credit Reporting Act (FCRA) by continuing to share consumer credit data through its Triggers For Collection (TFC) system even after Portfolio Recovery Associates asked for those consumers to be deleted.In plain English: TFC is the product that sent the alerts, and the FCRA is the law that says your credit information must be handled fairly and only with proper authorization. The settlement resolves claims that TransUnion's handling of TFC data went against those FCRA rules.
Who Is Included in the settlement?
All natural persons within the United States and its territories who were assigned a User Reference Number listed in TransUnion and PRA data showing that TransUnion sent PRA data through TFC for that URN more than two business days after PRA requested deletion, between January 20, 2021 and December 31, 2023. If you received a postcard notice, records indicate you are included.What is the Total Settlement Amount?
TransUnion has agreed to a $2,500,000 settlement fund. After administration costs, attorneys fees and costs requested up to 33 percent, and a service award up to $5,000 for the Class Representative, the remainder will be distributed to Class Members who do not opt out.How Much Can I Get Paid?
Payments are pro rata. The notice anticipates no less than about $40 per Class Member, depending on how many people remain in the class.Do I Need to File a Claim?
No claim form is required. If you do nothing and do not exclude yourself, you will be bound by the settlement and receive a payment if the Court grants final approval.What is the Total Settlement Amount?
The settlement establishes a $2,500,000 fund. After court-approved deductions for administration costs, attorney fees (up to 33% of the total settlement amount), and a service award for the Class Representative, the remaining money will be divided evenly among eligible Class Members.Is the Settlement About TFC or the FCRA?
It is about both. TFC (Triggers For Collection) is the TransUnion product that monitored consumer credit files and sent alerts to debt collectors. The lawsuit alleges this violated the Fair Credit Reporting Act (FCRA), the federal law that protects consumers from improper sharing or use of their credit information. Put simply: TFC is what happened, and the FCRA is the law that was allegedly broken.What Happens If I Do Nothing?
If you do nothing, and do not exclude yourself, you will remain in the settlement class. You will release your rights to bring your own case against TransUnion about TFC data sharing, but you will automatically receive a payment once the settlement is approved.When Will Payments Be Issued?
If approved, checks will be issued approximately 45 days after the Court enters the Final Approval Order.How Do I Exclude Myself from the Settlement?
Mail a signed exclusion request stating you want to be excluded from the Settlement Class in Wilson v. TransUnion, LLC, No. 1:23-cv-00131-JPH-MJD. It must be received by November 4, 2025 by the official Transunion TCRA class action settlement administrator.How Do I Find Class Action Settlements?
Find all the latest class actions you can qualify for by getting notified of new lawsuits as soon as they are open to claims:Official Class Notice
More on TransUnion and the Fair Credit Reporting Act
The Fair Credit Reporting Act is a federal law that protects you when companies collect and share your credit information. It requires accuracy, limits who can see your report, and gives you the right to dispute mistakes. Errors can affect loans, jobs, housing, and insurance. If a credit reporting company shares your data improperly or fails to fix errors, you may have rights under the FCRA.
Latest TransUnion Class Actions
See new and ongoing TransUnion cases on our Class Action News page where we track credit reporting lawsuits and updates.
Other FCRA Resources and Cases
- FCRA Explained for Consumers
- Equifax FCRA Cases
- Experian FCRA Cases
- Employment Background Check FCRA Rights
Sources
• U.S. District Court - Southern District of Indiana• Court Authorized Class Notice PDF
• Class Counsel: SmithMarco, P.C. and Bardo Law, P.C.
• Defense Counsel: O'Melveny and Myers LLP
Filing Class Action Settlement Claims
Please note that your claim form will be rejected if you submit a settlement claim with any fraudulent information. By providing information and your sworn statement of its veracity, you do so under the penalty of perjury. If you are not sure whether you qualify, visit the class action administrator's website. OpenClassActions.com is a consumer advocacy and class action news site and is not a class action administrator or a law firm.
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File Claim| TransUnion TFC Settlement Summary | |
| Case | Wilson v. TransUnion, LLC, No. 1:23-cv-00131-JPH-MJD |
|---|---|
| Court | U.S. District Court - S.D. Indiana |
| Fund | $2,500,000 |
| Claim Form | Not required |
| Estimated Payout | About $40 per Class Member |
| Exclude or Object By | November 4, 2025 |
| Final Hearing | December 15, 2025 at 1:30 p.m. ET |