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LEGAL NOTICE OF CLASS ACTION SETTLEMENT
If you received notice, it's because you are a member of a class action lawsuit and you have a legal claim described in this Notice. You are entitled to benefits from a proposed class action settlement.
This is an excerpt from a court-authorized notice describing the settlement and your rights. This is not a solicitation from an attorney, and you are not being sued.
PLEASE READ THIS NOTICE CAREFULLY, AS IT EXPLAINS YOUR RIGHTS AND OPTIONS AND THE DEADLINES TO EXERCISE THEM.
A settlement has been reached in a class action lawsuit asserting Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq. (“FCRA”) violations against Trans Union, LLC (“Trans Union”) based on the claim that Trans Union did not conduct a reasonable investigation of disputes of hard inquiries in credit files, or in the alternative, did not remove the disputed hard inquiries from credit files. Specifically, Plaintiff Duane Norman, Sr. asserts that, after he submitted a dispute to Trans Union that his credit report was obtained without a permissible purpose, Trans Union did not contact the company that requested the credit report, nor did it remove the hard inquiry he disputed. Instead, Trans Union mailed a “502 Letter” to Mr. Norman and the other class members, including you.
Plaintiff’s legal claim is that Trans Union violated a federal law called the FCRA. Plaintiff alleges that Trans Union acted in the same way with respect to other individuals, called the “Class.” The lawsuit is known as Norman v. Trans Union, LLC, Civil Action No. 2:18-cv-05225-GAM (E.D. Pa.). On August 14, 2020, the Court decided that the case will go forward as a class action. More information about the claims in the case and why the Court allowed the lawsuit to proceed as a class action is available in the long form notice, Frequently asked questions and in the settlement agreement, which can all be found on this case website.
Trans Union has denied and continues to deny Plaintiff’s and the Class’s allegations or that it has violated the FCRA or engaged in any wrongful acts. Nevertheless, the parties have agreed to resolve the claims of a group of consumers defined as:
According to Trans Union’s records, if you received a notice then you are a member of this group. You may have also previously received a notice regarding this case in March 2021.
To resolve the lawsuit, Trans Union has agreed to make changes to its practices for handling disputes of and/or challenges to hard inquiries and to pay $23 million for the creation of a settlement fund that will be used for class member payments, administrative costs, attorneys’ fees, litigation expenses, and a service award to Plaintiff. A summary of the terms of the settlement and your rights and options is below – please read it carefully and note the deadlines to take action.
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SUMMARY OF YOUR LEGAL RIGHTS AND OPTIONS IN THIS SETTLEMENT |
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DO NOTHING AND RECEIVE A CHECK |
If you do not exclude yourself from the settlement, you will receive a settlement payment automatically. The amount of the payment is expected to be approximately $20.00-30.00, depending on the number of claims submitted. If the Court approves the settlement and it becomes final and effective, a check will be mailed to the address maintained by Trans Union for you, and you will give up your right to bring your own lawsuit against Trans Union about claims related to the inquiry you disputed and/or challenged with Trans Union. You may update and/or confirm your address with the Settlement Administrator on this case website by clicking the Update Address button above. |
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MAKE A CLAIM TO RECEIVE A HIGHER PAYMENT |
If you experienced certain harms as a result of Trans Union’s alleged violation of the FCRA, you can make a claim for a higher payment on this website by clicking the Online Claim Submission button above. The higher payment will be calculated based on how many valid claims are received and is expected to be up to $160.00. You can file a claim using your Notice ID and PIN, supplied in the notice that you received. You must submit a claim by June 24, 2025. |
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EXCLUDE YOURSELF FROM THE SETTLEMENT |
You may exclude yourself from the settlement if you wish. In doing so, you will receive no benefits from the lawsuit. This is the only option that will retain your right to bring your own lawsuit against Trans Union about these claims. You must request exclusion by June 24, 2025. More information about how to exclude yourself is available in Frequently Asked Questions section of this website. |
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OBJECT |
You may object to any of the terms of the settlement, including the proposed award of attorneys’ fees and expenses of up to $7,966,667.00, and/or the separate service award to the Plaintiff of $50,000.00. More information on these awards, including Class Counsel’s request for fees which will be available on June 10, 2025, is available in Frequently Asked Questions section of this website. Your deadline to object is June 24, 2025. You must do so by writing to the Settlement Administrator, and to the Court. For more information about how to submit an objection and what you must include go to the Frequently Asked Questions section of this website. |
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GO TO A HEARING |
You may speak at the final approval hearing if you submit an objection by June 24, 2025 and mail in a letter saying that you would like to appear and be heard at the hearing. The final approval hearing will be on Monday, July 21, 2025, at 10 a.m., in Courtroom 9-B of the United States District Court, Eastern District of Pennsylvania, U.S. Courthouse, 601 Market Street, Philadelphia, PA. |
If you have questions, please search this case website. You may also write with questions to the Settlement Administrator or email the Settlement Administrator at [email protected]. You may also call the Settlement Administrator at 800-657-1189. Please do not contact Trans Union or the Court for information.