Trans Union Credit Report Settlement Finalized – In a significant move aimed at compensating consumers impacted by credit reporting issues, TransUnion has reached a settlement in the class action lawsuit Norman v. TransUnion LLC. If you were affected by inaccurate credit reporting and received a “502 Letter” from TransUnion between December 5, 2016, and January 31, 2025, you may be entitled to compensation. This article provides a comprehensive breakdown of the settlement, including eligibility details, how to file for compensation, and important deadlines.
Trans Union Credit Report Settlement Finalized
| Key Fact | Details |
|---|---|
| Settlement Amount | $23 million |
| Eligibility Criteria | Consumers who disputed hard credit inquiries and received a “502 Letter” from TransUnion |
| Compensation Range | $20–$30 for most, up to $160 for those with specific harm |
| Claim Deadline | June 24, 2025 |
| Final Approval Hearing | July 21, 2025 |
| Website for Claim Submission | https://www.transuniondisputeclassaction.com |
| Payment Method | Check mailed to the address on file |
The Norman v. TransUnion LLC settlement offers consumers compensation for mishandled credit disputes. If you’re eligible, submit your claim by June 24, 2025. Even if you don’t file, automatic payments may still apply. Take advantage of this opportunity to claim what you’re owed.
What Is the TransUnion Credit Report Settlement?
In response to the class action lawsuit Norman v. TransUnion LLC, TransUnion has agreed to pay $23 million to settle claims that it violated consumers’ rights by failing to properly address credit disputes. Specifically, the lawsuit centers on the company’s failure to respond correctly to consumer disputes related to hard credit inquiries. This settlement applies to consumers who disputed these inquiries and received a “502 Letter” between December 5, 2016, and January 31, 2025.
If you received a “502 Letter” from TransUnion as part of this process, you could be eligible for compensation. Even if you don’t file a claim, you will still receive a baseline payment, though the exact amount may vary depending on the final approval process and the number of valid claims filed. Consumers who experienced more significant harm, such as credit denials or higher loan rates due to incorrect reporting, can receive enhanced compensation.
Eligibility Criteria For Trans Union Credit Report Settlement: How Do You Know If You Qualify?
You qualify if you meet the following requirements:
- You received a “502 Letter” in response to your dispute over a hard credit inquiry made between December 5, 2016, and January 31, 2025.
- You live in the United States or its territories.
- You were affected by inaccurate credit reporting or dispute mishandling.
Compensation Details: What Will You Receive?
- Automatic Payments: Eligible class members will receive $20–$30 without filing a claim.
- Enhanced Payments: Those who experienced specific financial harm may claim up to $160.
- Payment Method: Checks will be mailed to the address on file with TransUnion.
- Tax Implications: Most payments are not taxable. Consult a tax advisor for large claims or specific damages.
How to File a Claim For Trans Union Credit Report Settlement?
Online Submission
- Go to https://www.transuniondisputeclassaction.com
- Enter your Notice ID and PIN.
- Submit the form online.
Mail Submission
Mail your claim form to:
Norman v. Trans Union, LLC
c/o Settlement Administrator
P.O. Box 23489
Jacksonville, FL 32241
Include your Notice ID and PIN for verification.
What If You Didn’t Receive a Notice?
If you didn’t receive a mailed notice but believe you’re eligible, visit the settlement website and contact the administrator. You may need to provide documentation such as your original dispute letter or TransUnion correspondence.
Important Deadlines: Don’t Miss Out
- Claim Submission Deadline: June 24, 2025
- Final Approval Hearing: July 21, 2025
You may also opt out or object by the same June 24 deadline.
Legal Rights and Opt-Out Option
To retain the right to sue TransUnion individually, you must opt out by June 24, 2025. Otherwise, you accept the settlement terms. Written objections can also be submitted before this date.
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FAQs About Trans Union Credit Report Settlement
- Do I need to file a claim to receive compensation?
If eligible, you will receive an automatic payment. For enhanced compensation, a claim must be submitted. - How will I know if I qualify for compensation?
If you received a “502 Letter” between the specified dates, you qualify. - What if I don’t want to participate?
Submit a written opt-out request by June 24, 2025. - How can I check my claim status?
Visit the settlement website and log in with your Notice ID and PIN. - Can I qualify without the original letter?
Yes. Contact the administrator with any supporting documentation. - Will this affect my credit score?
No. Participating in the settlement does not impact your credit.
