Wilson PLC Settlement: Eligibility, Payouts, and Current Status

The Wilson v. TransUnion settlement is a $2.5 million class action deal that received final court approval on March 3, 2026, resolving claims that TransUnion violated the Fair Credit Reporting Act by continuing to sell consumer credit data to debt collector Portfolio Recovery Associates (PRA) after PRA had asked it to stop. Class members do not need to file a claim. Payments of roughly $40 per person are automatic for anyone who did not opt out by the November 4, 2025 deadline.¹

Who Qualifies for a Payment

The class covers approximately 38,805 people in the United States and its territories.¹ You are included if TransUnion sent your personal credit data to PRA through its Triggers for Collection (TFC) product more than two business days after PRA had submitted a deletion request telling TransUnion to stop, at any point between January 20, 2021, and December 31, 2023.²

You don’t have to figure this out yourself. The settlement administrator, Continental DataLogix, used records from both TransUnion and PRA to identify every eligible person by user reference number and mail them a notice.³ If you received a notice in the mail, you’re in the class.

How Much You’ll Get and When

After deductions for administration costs, attorneys’ fees, and a service award to the named plaintiff, the settlement fund is split evenly among class members. Each person’s estimated share is approximately $40, which class counsel described as roughly half the minimum statutory damages available under the FCRA for a single violation.²

No claim form is required. No proof of damages is required. Payments are automatic. Under the settlement terms, checks were to be mailed within 45 days of final approval taking effect, which points to a distribution window in mid-to-late April 2026.²

A few other financial details from the agreement affect the final per-person figure:

Class counsel could apply for attorneys’ fees of up to one-third of the fund, a maximum of about $833,333.⁴
Named plaintiff Mandy Wilson could apply for a $5,000 service award.³
None of the $2.5 million reverts to TransUnion. Any leftover money from uncashed checks is split equally between the National Consumer Law Center and the National Center for Law and Economic Justice.⁴

What the Case Was About

Mandy Wilson filed the lawsuit on January 20, 2023, in the U.S. District Court for the Southern District of Indiana.⁵ After Wilson received a Chapter 7 bankruptcy discharge in July 2020, PRA (a debt collector that had been monitoring her credit file) sent TransUnion a “DELETE” code, telling the credit bureau to stop sharing her data because the underlying debt was gone and PRA no longer had a legal basis to see her report.⁶

According to the complaint, TransUnion kept selling her file anyway, including her address, birth date, and employment history, through its TFC product. Wilson argued this violated 15 U.S.C. § 1681b, the FCRA provision that restricts who can access a consumer’s credit report.⁶ The settlement resolves the case without a finding of liability.

What You Gave Up by Staying In

If you did not opt out by November 4, 2025, you released TransUnion from all claims, known and unknown, tied to the sale of your consumer data through the TFC product to PRA during the class period. That includes any Section 1681b FCRA claim you could have brought over those specific disclosures.⁴

The release is narrower than it may sound. You kept the right to sue TransUnion over unrelated matters, such as errors on your credit reports that have nothing to do with the TFC product or PRA.³

Where Things Stand Now

Judge James Patrick Hanlon granted final approval on March 3, 2026, after a fairness hearing held on December 15, 2025. The settlement website has not posted a separate confirmation that checks have been mailed, but the final approval order and related documents are available at www.WilsonFCRAClassAction.com.⁷

If you believe you should have received a payment and haven’t, or you have questions about your notice or check, contact the settlement administrator at (833) 244-4146 or questions@wilsonfcraclassaction.com.⁸

1
ClassAction.org. $2.5M TransUnion Settlement Ends Class Action Lawsuit Over Allegedly Unauthorized Credit Reports
2
Wilson FCRA Class Action. Wilson v. TransUnion, LLC Settlement FAQ
3
Justia. Wilson v. TransUnion, LLC, No. 1:2023cv00131
4
ClassAction.org. Wilson v. TransUnion, LLC Settlement Agreement
5
CourtListener. Wilson v. TransUnion, LLC Docket
6
ClassAction.org. Wilson v. TransUnion, LLC Amended Complaint
7
Wilson FCRA Class Action. Wilson v. TransUnion, LLC Settlement
8
Wilson FCRA Class Action. Wilson v. TransUnion, LLC Settlement Contact