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CHAS v. TRANS UNION, LLC

E.D. Pa. · No. 2:26-cv-05789

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MatterTypePractice areaCourtDateValue
TRANS UNION, LLCsource ↗
filed by Francis & Mailman Pc · Judge Mark A. Kearney · No. 2:26-cv-05789 · 15:1681 Fair Credit Reporting Act · view case timeline →
Comparable settlements –$7.40M ▾
FCRA furnisher/CRA claims show split outcomes: Minano v. DLJ Mortgage Capital dismissed several FCRA counts for lack of private right of action, while Askins v. CRST Expedited let a bare disclosure violation survive on standing grounds. TransUnion's own $40M Ninth Circuit jury verdict shows real trial exposure if claims survive pleading stage.
Comparable settlements –$7.40M median $2.23M · n=8
Trader Joe's $7.40M · Xactus $2.40M · Amazon.com Inc. an $2.25M
Per member (realized): ~$301 median · $102–$500 (n=2)
Comparable verdict: TransUnion, LLC $40M
Key precedent: Minano v. DLJ Mortgage Capital, Inc. — closest FCRA furnisher theory, dismissed most counts for insufficient pleading/no private right of action, signaling dismissal risk here.
Main risk: Dismissal for failure to state a plausible FCRA violation or lack of private right of action, as in Minano v. DLJ Mortgage Capital.
This defendant: Pattern of repeated individual FCRA filings against TransUnion (Cobbs, Ho, Out, Lisman, Walraven) suggests recurring but low-severity litigation exposure.
Rough EV model (wide — class size is the big unknown, not a prediction): –$25M
Small, heterogeneous comparable set; unclear if case is individual or class-wide, producing wide uncertainty in size and value. · grounded in 10 rulings, 8 settlements, 1 verdicts
FilingConsumer Credit (FCRA/FDCPA)E.D. Pa.2026-08-12–$7.40M
comparable settlements