Wilson v. TransUnion LLC Settlement: Eligibility, Payouts, and Dates

The Wilson v. TransUnion settlement is a $2.5 million class action resolution that pays roughly 38,805 people an estimated $40 or more each, with no claim form required. A federal judge in Indiana granted final approval on March 3, 2026, and checks are scheduled to be mailed about 45 days after the approval order becomes effective.¹

Who Qualifies for a Payment

The class covers people in the United States and its territories whose credit data TransUnion kept sending to debt collector Portfolio Recovery Associates after PRA itself asked TransUnion to stop.²

More precisely, you qualify if you were assigned a User Reference Number in data shared between TransUnion and PRA, and TransUnion sent your data to PRA through its Triggers for Collection product more than two business days after PRA submitted a request to delete that URN. The covered period runs from January 20, 2021, through December 31, 2023.¹

You don’t need to figure this out on your own. If you were identified as a class member, you should have received a postcard notice from the settlement administrator. That notice is the practical marker of who’s in.³

How Much You’ll Get and How the Payment Arrives

Payments are equal across the class. Individual damages don’t factor in; whatever remains in the fund after fees and costs is split evenly among class members who did not opt out.⁴ The settlement notice estimated no less than $40 per person, with the exact amount depending on the final opt-out count.¹

The $2.5 million fund is divided this way:⁵

Attorney fees and costs, capped at 33% of the fund (up to $833,333.33), payable to class counsel SmithMarco, P.C. and Bardo Law, P.C.
A service award of up to $5,000 for named plaintiff Mandy Wilson.
Administrative costs for settlement administrator Continental DataLogix.
The remainder distributed equally to class members.

Any unclaimed money after distribution goes to the National Center for Law and Economic Justice and the National Consumer Law Center.⁵

No claim form is required. If you received notice and did not opt out, a check will be mailed to you automatically about 45 days after the final approval order becomes effective.¹

What the Case Was About

Named plaintiff Mandy Wilson filed suit on January 20, 2023, in the U.S. District Court for the Southern District of Indiana. The complaint targeted a TransUnion product called Triggers for Collection, or TFC, which monitors consumer credit files and alerts debt collectors when new credit activity suggests a consumer might be able to pay an old debt.⁶

Wilson alleged that even after Portfolio Recovery Associates submitted deletion codes through TransUnion’s file transfer system to stop monitoring her account, TransUnion kept selling her credit file — including credit history, payment history, Social Security number, address, and date of birth — to PRA. Her underlying debts had already been discharged in bankruptcy, which the complaint said eliminated PRA’s legal basis for pulling her reports. The suit argued this violated Section 1681b of the Fair Credit Reporting Act, which limits when a credit bureau may share consumer information.⁷

TransUnion denied the allegations and maintained it would have won at trial, saying it settled to avoid the cost and uncertainty of continued litigation.¹

Key Dates

Preliminary approval came on August 6, 2025.² The deadline to opt out or object was November 4, 2025, and the final fairness hearing took place on December 15, 2025. Judge James Patrick Hanlon granted final approval on March 3, 2026.¹

If you missed the opt-out and objection deadline, those options are closed. Your remaining role is to wait for the check and keep the settlement administrator informed if your mailing address changes.

Contact for the Settlement Administrator

Questions about your payment, address updates, or class member status go to Continental DataLogix at (833) 244-4146 or questions@wilsonfcraclassaction.com.³

1
Wilson FCRA Class Action. Wilson v. TransUnion Settlement FAQ
2
ClassAction.org. $2.5M TransUnion Settlement Ends Class Action Over Allegedly Unauthorized Credit Reports
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Wilson FCRA Class Action. Wilson v. TransUnion Settlement Home
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Top Class Actions. $2.5M TransUnion FCRA Class Action Settlement
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ClassAction.org. Wilson v. TransUnion Settlement Agreement
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OpenClassActions. TransUnion TFC Class Action Settlement
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ClassAction.org. Wilson v. TransUnion, LLC Amended Complaint