Quick Answer: Claims for the .31 million TransUnion bankruptcy remark settlement closed on October 30, 2026. People in the “No Bankruptcy Group” still receive an automatic 0 payment if the court approves the deal, and those who filed a claim are expected to get about ,000. Aged Bankruptcy Group members who filed are expected to get about 0. The final approval hearing is December 2, 2026, and no payment date has been set.
Key Takeaways
- Settlement fund: $8,310,000
- Claim, opt out and objection deadline October 30, 2026 has passed
- Final approval hearing: December 2, 2026, 10:00 a.m., Philadelphia
- No Bankruptcy Group (about 21,000 people): $100 automatically, expected about $1,000 with a claim
- Aged Bankruptcy Group (about 36,000 people): nothing unless you claim, expected about $350
- Amounts depend on how many valid claims are filed
Quick Summary
| Item | Detail |
|---|---|
| Settlement fund | $8,310,000 |
| Class period | Reports sold between January 6, 2020 and January 31, 2023 |
| Who is covered | About 57,000 people in the U.S. and territories whose Trans Union report showed a bankruptcy remark with no matching public record |
| Claim, opt out and objection deadline | October 30, 2026 (passed) |
| Final approval hearing | December 2, 2026, 10:00 a.m. |
| Official site | BrooksBankruptcyClassAction.com |
| Phone | 888-279-4003 |
| Case | Brooks v. Trans Union, LLC, No. 2:22-cv-00048, U.S. District Court, Eastern District of Pennsylvania |
What the TransUnion Settlement Is About
The lawsuit says Trans Union sold consumer credit reports that carried a bankruptcy remark on a credit account even though the report showed no bankruptcy in its public record section. The plaintiff argues that this was inaccurate when no government record showed a bankruptcy in the ten years before the report date, and that it violated the federal Fair Credit Reporting Act, or FCRA.
A bankruptcy remark can lower how lenders see you, which is why accuracy matters. The settlement resolves the claims without a court ruling against Trans Union. Read your notice for the exact wording.
Who Qualifies
You are in the class if you live in the United States or its territories and Trans Union sold a consumer report about you to a third party between January 6, 2020 and January 31, 2023 that included a bankruptcy remark on a credit account but no bankruptcy in its public record section, and no government record showed a bankruptcy in the ten years before the report date.
Class members were sorted into two groups, and your group is printed on your notice below your Claim Number and PIN.
| Group | Who | Payment |
|---|---|---|
| No Bankruptcy Group | No bankruptcy record found by Social Security number searches | $100 automatically, or about $1,000 if you file a claim |
| Aged Bankruptcy Group | Only bankruptcies filed more than ten years before the report | Nothing unless you claim, then about $350 |
How Much Will You Get?
The settlement says amounts may be higher or lower depending on the number of valid claims. The $8.31 million fund also covers administration, attorney fees of up to $2,770,000, litigation expenses of up to $308,000 and a service award to the plaintiff of up to $50,000. See how class action payouts are calculated.
Filed a Claim? What Happens Now
The claim window closed on October 30, 2026, and late claims are not accepted. If you filed in time, you do not need to do anything else. Keep your confirmation and your Claim Number and PIN, and check BrooksBankruptcyClassAction.com for updates after the December 2 hearing. Questions go to the administrator at 888-279-4003.
If you are in the No Bankruptcy Group and did not file, you still receive the automatic 0 payment once the settlement is approved. If you are in the Aged Bankruptcy Group and did not file, you will not receive a payment. See what to do if you receive a class action notice so you are ready for the next one.
What Happens If You Do Nothing
If you are in the No Bankruptcy Group, you receive the automatic $100 check and give up your right to sue Trans Union over the released claims. If you are in the Aged Bankruptcy Group, you receive nothing and still give up that right. The released claims relate to Trans Union’s reporting of bankruptcy remark information on credit reports.
Excluding Yourself or Objecting
Opt outs and objections were due in writing by October 30, 2026, the same day as the claim deadline, and that window has closed. People who opted out keep their right to sue separately but receive no payment. Anyone who wants to speak at the final approval hearing must notify the court by November 18, 2026.
When Will Payments Be Made?
Payments begin only after the court grants final approval at the December 2, 2026 hearing and any appeals are resolved. No payment date has been announced.
Watch for Scams
Use only the official website or the phone number on your notice. Ignore anyone who charges a fee, asks for your full Social Security number or bank login, or promises a bigger payout. Report fraud at ReportFraud.ftc.gov and see our guide to class action settlement scams.
Is the Payment Taxable?
Payments for harm caused by inaccurate credit reporting may be taxable. See is settlement money taxable and ask a tax professional.
Common Questions About the TransUnion Settlement
Can I still file a TransUnion FCRA class action claim?
No. The claim deadline was October 30, 2026. No Bankruptcy Group members still receive the automatic $100 payment if the court approves the settlement.
How much will I get from the TransUnion settlement?
$100 automatically if you are in the No Bankruptcy Group, with about $1,000 expected if you claim. The Aged Bankruptcy Group is expected to receive about $350 with a claim. Amounts can change.
Do I need a notice to file?
The website says you can log in with the Claim Number and PIN on your notice. Only people identified by Trans Union’s records are in the class, so call 888-279-4003 if you think you qualify but got no notice.
Do I need proof of a bankruptcy remark?
No. Class membership is determined from Trans Union’s records, and your group is shown on your notice.
Will the settlement change my credit report?
The summary we reviewed describes payments, not changes to your report. Check your own report free at AnnualCreditReport.com and dispute errors with the bureau.
Is BrooksBankruptcyClassAction.com legitimate?
Yes. It is the official settlement website for Brooks v. Trans Union, LLC, No. 2:22-cv-00048 in the Eastern District of Pennsylvania.
Summary
The TransUnion bankruptcy remark settlement is closed to new claims. The No Bankruptcy Group still gets $100 automatically, claimants expect about $1,000 or about $350 depending on their group, and the court considers final approval on December 2, 2026. See our open class action settlements for other claims.
Official Settlement Notice
Read the court approved long form notice for the TransUnion bankruptcy remark settlement below.