The Ramirez class action settlement claim form was the document eligible class members used to request payment from a $9 million fund TransUnion agreed to pay after incorrectly flagging consumers as potential national security threats on their credit reports. The filing deadline has passed. If you submitted a claim using the Class Member ID from your mailed notice, individual payments were estimated at more than $2,000, with the exact amount depending on how many valid claims came in.1Illinois Courts. Arrizon v. TransUnion, LLC, 2025 IL App (1st) 231911 If you didn’t file before the deadline, that window is closed.
The Deadline Has Passed
The district court granted final approval of the settlement on December 15, 2022.1Illinois Courts. Arrizon v. TransUnion, LLC, 2025 IL App (1st) 231911 The administrator then verified claims and distributed payments through 2023. There is no mechanism to submit a claim retroactively once the deadline has lapsed and the fund has been distributed.
Who Was Eligible to File a Claim
Only a narrow slice of the original class could recover. The Supreme Court ruled in June 2021 that only class members whose inaccurate credit reports were actually sent to a third party — a lender, landlord, or other entity that pulled the report — had suffered concrete harm sufficient to sue. The parties agreed that 1,853 class members, including named plaintiff Sergio Ramirez, had their misleading reports disseminated to third parties during the class period, which ran from January 1, 2011, through July 26, 2011.2Supreme Court of the United States. TransUnion LLC v. Ramirez
The remaining 6,332 people who had OFAC alerts sitting in their internal TransUnion files, but whose reports were never seen by an outside party during that window, were held to lack standing and were not eligible for damages.3Justia. TransUnion LLC v. Ramirez
What the Claim Form Asked For
Eligible class members received a mailed notice with a unique Class Member ID. That ID tied the claim to the right person in the administrator’s records and was the central piece of information the form required.
The form itself was short. It asked for:
- The Class Member ID from the mailed notice
- Full legal name matching the name on the credit file at issue
- Current mailing address
- A payment preference, with options including a paper check or digital payment through platforms like PayPal or Venmo
- An email address or phone number for follow-up
Claims could be submitted online through the settlement administrator’s website, which generated a confirmation code or email receipt. Mailed forms had to be postmarked by the court-ordered deadline and carry a handwritten signature. Anyone who filed should have kept the confirmation or mailing receipt as proof of timely filing.
How Much Class Members Received
The $9 million fund did not go entirely to claimants. The court approved $4.2 million in attorney fees, about 44 percent of the fund, plus a $75,000 service award to Ramirez. The rest was divided pro rata among class members who filed valid claims.
Class counsel estimated individual payments would exceed $2,000. The actual per-person amount turned on how many of the roughly 1,853 eligible members claimed. Fewer valid claims meant a larger share for each claimant. The district court noted that the projected recovery exceeded the maximum statutory damages available under the Fair Credit Reporting Act.
If You Missed the Deadline but Still Have OFAC Information on Your Report
You cannot join this settlement now. The ruling in this case, however, did not close off individual claims under the Fair Credit Reporting Act. The statute lets consumers sue for willful or negligent violations without being part of a class action. If TransUnion or another credit bureau currently maintains inaccurate OFAC-related information in your file and has shared it with third parties, you can dispute the entry directly with the bureau and speak to a consumer rights attorney about pursuing your own claim.