Every dollar amount and date on this page is quoted from the official settlement document.
TransUnion Bankruptcy Credit Reporting Settlement
Court case: Brooks v. TransUnion Bankruptcy Credit Reporting Settlement (FCRA)
TransUnion agreed to an $8.31 million settlement over claims it violated the FCRA by reporting bankruptcy 'remarks' on credit accounts without a matching public bankruptcy record. Affected consumers can receive $100–$1,000 depending on their group and whether they file a claim.
For the period January 6, 2020 to January 31, 2023, all persons residing in the U.S. and its Territories to whom Trans Union sold a consumer report to a third party that included a bankruptcy remark on a tradeline but no reference to a bankruptcy record in the public-record section of the same report, and for whom there is no government-held public record of a bankruptcy filing within ten years prior to the report date. Split into a 'No Bankruptcy Group' and an 'Aged Bankruptcy Group'. Payout: No Bankruptcy Group: automatic $100 (do nothing), or approximately $1,000 if a Valid Claim is submitted. Aged Bankruptcy Group: approximately $350, but only if a claim is submitted. Amounts depend on the number of claims and may be higher or lower. $8,310,000 Settlement Fund. No proof of purchase is required to file. Claim deadline: October 30, 2026. Checked against the official settlement source by SettleSignal on September 5, 2026.
Who may qualify
You self-certify the basics when you file — the settlement administrator makes the final eligibility decision.
You qualify if, between January 6, 2020 and January 31, 2023, TransUnion sold a credit report about you to a third party that showed a bankruptcy remark on an account but had no bankruptcy in the report's public-record section, and there is no public bankruptcy filing for you in the prior 10 years. Your notice states which group you're in.
Official eligibility wording (read the exact text)
For the period January 6, 2020 to January 31, 2023, all persons residing in the U.S. and its Territories to whom Trans Union sold a consumer report to a third party that included a bankruptcy remark on a tradeline but no reference to a bankruptcy record in the public-record section of the same report, and for whom there is no government-held public record of a bankruptcy filing within ten years prior to the report date. Split into a 'No Bankruptcy Group' and an 'Aged Bankruptcy Group'.
This summary is based on available official settlement sources. The settlement administrator determines eligibility and payment approval.
New to the terms? Plain-English: claim deadline, proof of purchase, administrator, pro rata.
Proof requirements
Proof requirement is currently marked as No.
Review the official claim form before submitting any information.
Important dates
How do I file a claim for this settlement?
File directly with the official administrator via the official claim form before October 30, 2026.
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1Confirm you are within the eligible group described in the official notice — the settlement administrator determines eligibility.
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2Gather any documents the official form asks for — this settlement marks proof as No.
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3Open the official claim form or settlement website.
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4Submit accurate information through the official settlement administrator or government source before October 30, 2026.
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5Save your confirmation number if one is provided, then watch the payment status for distribution updates.
New to settlement claims? How to file safely → · Worried it might be fake? Run the 60-second legitimacy check →
When will I get paid?
- Claims open You are here
- Court approval
- Payments sent
- Distribution complete
Claims are still being accepted. Class-action payouts typically begin only after the claim deadline, final court approval, and any appeals.
Verify it yourself
How we verified this record
The key facts here come straight from the official settlement source — no aggregators, no guesswork — and we re-check them on a schedule.
The key facts on this page were taken from the official settlement source, and last checked on September 5, 2026. We re-verify each field individually on a weekly pass.
1 official source linked to this record.
Checked fields are matched against a named official source and re-checked on a schedule. We show the authority and the date, never our internal evidence link.
Common questions
Is the TransUnion Bankruptcy Credit Reporting settlement legitimate?
Yes — the TransUnion Bankruptcy Credit Reporting settlement is a real claims process that SettleSignal tracks from its official source. File only through the official settlement website (brooksbankruptcyclassaction.com); a genuine settlement administrator never charges a fee to file. SettleSignal last checked this record against the official source on September 5, 2026. Always confirm the current details on the official site before filing.
Who may qualify for this settlement?
For the period January 6, 2020 to January 31, 2023, all persons residing in the U.S. and its Territories to whom Trans Union sold a consumer report to a third party that included a bankruptcy remark on a tradeline but no reference to a bankruptcy record in the public-record section of the same report, and for whom there is no government-held public record of a bankruptcy filing within ten years prior to the report date. Split into a 'No Bankruptcy Group' and an 'Aged Bankruptcy Group'.
How much can I get from the TransUnion Bankruptcy Credit Reporting settlement?
No Bankruptcy Group: automatic $100 (do nothing), or approximately $1,000 if a Valid Claim is submitted. Aged Bankruptcy Group: approximately $350, but only if a claim is submitted. Amounts depend on the number of claims and may be higher or lower. $8,310,000 Settlement Fund. The exact amount you may receive is decided by the settlement administrator based on your valid claim and is not guaranteed; a total settlement-fund figure is shared among all eligible claimants, not paid to each person.
What is the claim deadline?
The claim deadline is October 30, 2026. Confirm the current deadline on the official settlement source before filing.
Do I need proof to claim?
Proof requirement: No. The settlement administrator determines what documentation, if any, is required.
When will TransUnion Bankruptcy Credit Reporting Settlement pay out?
No payment stage is reported for this record yet. Class-action payouts typically begin only after final approval and any appeals. See our payout timeline guide.
Where is the official TransUnion Bankruptcy Credit Reporting Settlement claim form?
The official claim form is hosted by the settlement administrator. Use the 'Open official claim form' button on this page — never pay a fee to file.
How much will my payment be?
It depends on your group and the number of claims submitted. For the No Bankruptcy Group, the payment to members who submit a Valid Claim is expected to be approximately $1,000 (members who do nothing get an automatic $100). For the Aged Bankruptcy Group, the payment is expected to be approximately $350 and requires a claim. Actual amounts may be higher or lower.
Do I have to file a claim?
If you are in the No Bankruptcy Group, you do not need to submit a claim to receive an automatic payment of $100, but filing a claim can get you a higher payment (about $1,000). If you are in the Aged Bankruptcy Group, you must submit a claim by October 30, 2026 to receive any money.
Who is in the Settlement Class?
For the period January 6, 2020 to January 31, 2023, all persons in the U.S. and its Territories to whom Trans Union sold a consumer report that included a bankruptcy remark on a tradeline but no bankruptcy in the public-record section, and for whom there is no government-held public record of a bankruptcy filing within ten years before the report.
When is the Final Approval Hearing?
The Final Approval Hearing is set for December 2, 2026. You may speak at the hearing if you submit an objection by October 30, 2026 and mail a letter saying you would like to appear.
Where to act
When you are ready, you open the official claim form yourself. SettleSignal does not file claims or determine eligibility.
Not ready to file today? Track it free — we'll remind you 30, 14, 7, and 1 day before Oct 30, 2026, and keep your claim details in one place.
Listed on the official settlement website.
Status history
Every status and verification change we have recorded for this settlement, newest first. We log the date we made each change; we never publish the underlying evidence link.
- Settlement published after verification.
Disclaimer
SettleSignal summarizes publicly available settlement information and links to official settlement sources. We are not a law firm, do not provide legal advice, do not submit claims on your behalf, and do not determine eligibility or payout approval. You open the official claim form yourself. Only file a claim if the information you provide is accurate.
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