Wilson v. TransUnion LLC Settlement: Class, Payments, and Dates

The Wilson v. TransUnion settlement is a $2.5 million class action resolution that received final court approval on March 3, 2026, covering about 38,805 people whose credit information TransUnion allegedly kept sending to debt collector Portfolio Recovery Associates after being told to stop. Eligible class members do not need to file a claim; payments, estimated at a minimum of about $40 per person, are expected to go out roughly 45 days after final approval.¹²

Who Is in the Settlement Class

The class covers 38,805 people in the United States and its territories who, between January 20, 2021, and December 31, 2023, had their credit data transmitted by TransUnion to Portfolio Recovery Associates (PRA) through a product called Triggers for Collection more than two business days after PRA had submitted a deletion request for that account.²

You didn’t need to identify yourself. Class members were pulled directly from TransUnion’s and PRA’s own data productions and notified by postcard.³

What Class Members Receive

No claim form is required. Anyone identified as a class member who did not opt out is automatically included in the payout.³

The $2.5 million fund is distributed after these deductions:

Attorneys’ fees and costs of up to $833,333.33, capped at one-third of the fund
A service award of up to $5,000 to named plaintiff Mandy Wilson
Settlement administration costs

Whatever remains is divided equally among the class, producing an estimated minimum payment of about $40 per person. The exact amount depends on how many people stayed in the settlement after the opt-out deadline.¹

TransUnion agreed to the payment without admitting wrongdoing.⁴

Key Dates and Payment Timing

Judge James Patrick Hanlon of the U.S. District Court for the Southern District of Indiana granted preliminary approval on August 6, 2025. The deadline for class members to object or opt out was November 4, 2025, and the fairness hearing took place on December 15, 2025.⁵¹

Final approval was entered on March 3, 2026, which binds every class member who did not opt out.⁶ Checks are expected to be issued approximately 45 days after that order.¹

What TransUnion Was Accused of Doing

The lawsuit, filed by Mandy Wilson on January 20, 2023, focused on a TransUnion product called Triggers for Collection (TFC), which supplied ongoing credit monitoring data to third-party debt collectors including PRA. When PRA sent TransUnion a deletion request for a particular consumer through its Secure File Transfer Protocol system, TransUnion was supposed to stop transmitting that person’s data. The complaint alleged TransUnion kept sending reports anyway, violating the Fair Credit Reporting Act’s rule that a credit bureau may share consumer data only for a permissible purpose under 15 U.S.C. § 1681b.²

Wilson’s own experience illustrated the alleged problem. After she filed for Chapter 7 bankruptcy and her debt to PRA was discharged, PRA sent TransUnion a deletion code for her file. TransUnion allegedly continued selling her credit report to PRA anyway, exposing her Social Security number, date of birth, address history, employment history, and payment records.⁷

If You Think You Should Have Been Included

Because the class was defined by TransUnion’s and PRA’s own records and members were notified directly by mail, there was no claim process to join. Anyone who believes they qualified but did not receive a postcard can contact the settlement administrator through the official settlement website for the case.¹

1
WilsonFCRAClassAction.com. Wilson v. TransUnion, LLC FAQ
2
ClassAction.org. $2.5M TransUnion Settlement Ends Class Action Lawsuit Over Allegedly Unauthorized Credit Reports
3
WilsonFCRAClassAction.com. Wilson v. TransUnion, LLC Settlement Notice
4
Top Class Actions. $2.5M TransUnion FCRA Class Action Settlement
5
GovInfo. Wilson v. Transunion, LLC Court Filings
6
WilsonFCRAClassAction.com. Wilson v. TransUnion, LLC Settlement Website
7
ClassAction.org. Wilson v. TransUnion, LLC Amended Complaint