Soutter v. TransUnion, LLC
Case No. 3:10-CV-514 (E.D. Va.)
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NOTICE OF CLASS ACTION SETTLEMENT

IF AN UNPAID VIRGINIA COURT JUDGMENT WAS INCLUDED IN YOUR TRANSUNION LLC (“TRANSUNION”) CREDIT REPORT WHEN THAT JUDGMENT ACTUALLY HAD BEEN PAID, VACATED OR DISMISSED, YOU MAY BE AFFECTED BY THIS CLASS ACTION SETTLEMENT.

SUMMARY OF PAYMENT AND BENEFIT TO YOU:

  • You may be entitled to make a claim for a cash payment. TransUnion has agreed to pay $1.4 million into a Settlement Fund. Settlement Class Members whose reports were inaccurate may submit a Claim Form to receive an additional payment. (The amount paid will primarily depend on how many people submit claims.) The amount of your claim will be greater if you have previously made a dispute to TransUnion or if your credit score was substantially harmed by the inaccurate judgment.
  • You also may be entitled to six months of Credit Monitoring from TransUnion at no cost to you. The retail monetary value of this service is $89.70. Through this free service, you will have online access to your TransUnion credit report and VantageScore credit score at no cost to you for the entire six-month period.
  • If you had a Virginia civil court judgment, your TransUnion credit report will be automatically corrected to report the Virginia civil court judgment as paid, satisfied, vacated or dismissed. Depending on your individual circumstances, this may substantially increase your credit score.

IMPORTANT: This Settlement will only correct your TransUnion credit report. Your credit report with other credit reporting agencies may still be inaccurate. You may have a claim and right to bring a lawsuit against another credit reporting agency.

For more information about your rights, you may contact the Attorneys at
Consumer Litigation Associates, P.C. at:
email: intake@clalegal.com
nationwide toll-free: 877-FCRA-LAW (877-327-2529)
Northern Virginia office: 703-273-7770
Hampton Roads office: 757-930-3660

YOUR LEGAL RIGHTS AND OPTIONS IN THIS SETTLEMENT

  • IF YOU DO NOTHING: Your TransUnion credit report will be corrected. You will not receive a cash payment or free credit monitoring service. You will not be able to sue TransUnion related to the inaccurate judgment.
  • IF YOU SUBMIT A CLAIM FORM: Your TransUnion credit report will be corrected. You will also receive a cash payment and six months of TransUnion’s credit monitoring service. If you believe you have been harmed because the credit report TransUnion furnished was inaccurate, you can claim a payment under the Settlement by completing and submitting a Claim Form. You will not be able to sue TransUnion related to the inaccurate judgment.
  • IF YOU SUBMIT A RESERVATION OF ACTUAL DAMAGES FORM: You will not receive a cash payment from this Settlement. You can remain in the class, receive correction of your TransUnion credit report and six months of TransUnion’s credit monitoring service, but reserve your right to sue TransUnion individually for any actual damages. If you believe a credit report TransUnion furnished was inaccurate and you want to reserve your right to sue for actual damages resulting from the inaccuracy, you should consult your own attorney and fill out a Reservation of Actual Damages Form. If you do this, you will not be eligible to submit a Claim Form or receive a cash payment in this Settlement. You will be able to sue TransUnion on your own for actual damages that you can prove were caused by TransUnion’s reporting of an inaccurate Virginia civil court judgment. However, before you sue, you must provide information about your alleged damages to the settlement administrator and allow TransUnion an opportunity to make a good faith settlement offer. Additionally, you will not be able to sue TransUnion for punitive damages, statutory damages or attorneys’ fees even if you reject the good faith settlement offer.
  • IF YOU EXCLUDE YOURSELF FROM THE SETTLEMENT: You can exclude yourself from the Settlement completely by “opting out.” You may opt out by following the instructions listed here, by May 28, 2014. You will not receive any monetary payments from the Settlement, or receive TransUnion’s credit monitoring service for six months. You will not have any right to object, but you will not be bound by the terms of this Settlement. You also will have the right to sue TransUnion without following the Reservation of Actual Damages process or being subject to its conditions.

If you do not exclude yourself, you may object to the settlement. You can remain in the Settlement Class but file written objections to the Settlement. The Court will consider the objections in deciding whether to approve the Settlement. Instructions for mailing an objection are located in the long form Notice. If the Settlement is approved, you will not be able to sue TransUnion related to the inaccurate judgment.

If you do not exclude yourself from the Settlement and it is approved, you will release all claims you may or could base on violation of the FCRA or any other federal, state or local law, statute, regulation or common law, that involve a Virginia General District Court or Virginia Circuit Court judgment appearing on a TransUnion consumer report or file disclosure, or a consumer report or file disclosure created from data provided by TransUnion, wherein such data inaccurately stated that the judgment was valid and had not been paid or satisfied. The Full Release and Released Parties are available in the long form Notice, on the Settlement Documents page.

The Court has appointed lawyers to represent the Class, but you may enter an appearance in the case through an attorney if you want. If you do so, you will have to pay for your own lawyer.

FOR ADDITIONAL INFORMATION CONCERNING YOUR RIGHTS AND OPTIONS IN THIS SETTLEMENT, PLEASE READ THE LONG FORM NOTICE LOCATED ON THE SETTLEMENT DOCUMENTS PAGE.


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