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Smith v. Trans Union, LLC

M.D. Ala. · No. 2:26-cv-00637

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Our records for this case (1)

MatterTypePractice areaCourtDateValue
Trans Union, LLCsource ↗
filed by David I. Schoen, Attorney at Law · Judge R. Austin Huffaker, Jr · No. 2:26-cv-00637 · 15:1681 Fair Credit Reporting Act · view case timeline →
Comparable settlements –$7.40M ▾
Comparable FCRA rulings split: Minano v. DLJ Mortgage dismissed private-right-of-action counts but let others proceed without prejudice, while Askins v. CRST upheld bare statutory FCRA violations as sufficient for standing. Trans Union's litigation history shows repeated individual FCRA suits with mixed outcomes, not a clear pattern of dismissal or victory.
Comparable settlements –$7.40M median $2.23M · n=8
Trader Joe's $7.40M · Xactus $2.40M · RentGrow $2.25M
Per member (realized): ~$301 median · $102–$500 (n=2)
Comparable verdict: TransUnion, LLC $40M
Key precedent: Minano v. Dlj Mortgage Capital, Inc. - shows FCRA furnisher claims often survive in part if properly pled, guiding likely partial survival here.
Main risk: Dismissal of specific FCRA counts lacking private right of action, as in Minano, or failure to show concrete injury absent class certification.
This defendant: Trans Union faces a steady stream of individual FCRA suits (Cobbs, HO, OUT, LISMAN, WALRAVEN, Walls) suggesting recurring compliance disputes rather than systemic class exposure.
Rough EV model (wide — class size is the big unknown, not a prediction): –$1K
Small, heterogeneous comparable set; case likely individual not class-based, limiting applicability of settlement per-member benchmarks. · grounded in 10 rulings, 8 settlements, 1 verdicts
FilingConsumer Credit (FCRA/FDCPA)M.D. Ala.2026-08-06–$7.40M
comparable settlements