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If you disputed a hard inquiry on your credit report with Trans Union between December 5, 2016, and January 31, 2025, and received a "502 Letter" in response, you may qualify to receive between $20 and $160 from a class action settlement.
Trans Union has agreed to pay $23 million to settle a class action lawsuit alleging violations of the Fair Credit Reporting Act (FCRA).
Who is eligible for a Trans Union payout?
You are a member of this class action if you:
- You reside in the United States and submitted a written dispute to Trans Union regarding a hard inquiry on your credit report.
- Trans Union responded to your dispute by sending you a "502 Letter" between December 5, 2016, and January 31, 2025.
- A description of a "502 Letter" can be found on the settlement website under Frequently Asked Questions #2.
How much are the class action settlement payments?
- Automatic Payment: If you are a class member and do nothing, you will automatically receive a pro rata cash payment estimated between $20 and $30. The exact amount will be determined by the number of claims submitted.
- Higher Payment: Class members that experienced specific harms due to the disputed inquiry can submit a claim form to receive a higher payment. The amount is estimated to be up to $160, but will be determined by the number of filed claims.
How to claim a Trans Union class action payout
No action is required to receive an automatic payment. To claim a higher payment, class members must submit a claim form by June 24, 2025.
- You can file a claim online using your Notice ID and PIN provided in your settlement notice.
- Class members can also complete the claim form included with the mailed notice and send it to the settlement administrator.
To file a valid Higher Payment claim, you must attest under penalty of perjury that you experienced at least one of the following harms:
- Your Trans Union credit score decreased due to the disputed inquiry.
- Trans Union sent a credit report containing the disputed inquiry to a third party.
- You were denied credit, and one reason for the denial was the disputed inquiry.
Settlement Administrator's mailing address: Norman v Trans Union, LLC c/o Settlement Administrator, PO Box 23489, Jacksonville, FL 32241
Payment options
Class members have two claim payment options:
- Paper check mailed to your address on file (default option).
- Electronic payment method set up through the settlement website using the Update Address option.
- Notice ID and PIN required to update address and payment information.
$23 Million class action lawsuit settlement fund
The settlement fund of $23,000,000 includes:
- Settlement administration costs: Estimated at $698,000
- Attorneys' fees: $7,966,667.00
- Attorneys' litigation expenses: Up to $300,000.00
- Service award to the Plaintiff: $50,000.00
- Payments to class members: Remaining balance after the above deductions
Important dates
- Deadline to File a Claim: June 24, 2025
- Deadline to Exclude Yourself: June 24, 2025
- Final Approval Hearing: July 21, 2025
When is the Trans Union payout date?
The court will hold a Final Approval Hearing on July 21, 2025, to determine if the settlement is fair, reasonable, and adequate. If approved, payments will be distributed approximately 51 days the judge grants approval.
Why did this lawsuit result in a settlement?
The class action, known as Norman v. Trans Union, LLC, claims that Trans Union failed to reasonably investigate consumer disputes about hard inquiries appearing on their credit reports. Specifically, the plaintiff, Duane Norman Sr., alleged that after disputing a hard inquiry he believed was unauthorized, Trans Union neither contacted the company responsible for the inquiry nor removed it from his credit report. Instead, Trans Union sent Mr. Norman and other affected consumers a standardized "502 Letter." Trans Union denies any wrongdoing but has agreed to settle the lawsuit to avoid costly litigation costs and the possibility of a trial.
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