CFPB Files Lawsuit Against TransUnion for Deceptive Marketing

Capitol Building of United States at twilight time, Washington DC, USA

On April 12, 2022, the Consumer Financial Protection Bureau (CFPB) announced ​that it filed a lawsuit against TransUnion and the company’s former executive.  The complaint​, filed in the U.S. District Court for the Northern District of Illinois, alleges that TransUnion violated a 2017 CFPB consent order which resolved allegations that the company deceptively marketed credit scores and credit-related products such as credit monitoring to consumers.  TransUnion allegedly violated this order by enrolling consumers in negative option products without their consent, failing to offer a simple mechanism for cancelling products, and failing to provide required disclosures.  TransUnion also allegedly built digital “dark patterns” into its website to trick consumers into making recurring payments and to make it difficult for consumers to cancel services.

The CFPB seeks monetary relief for custom​ers, disgorgement, injunctive relief, and civil money penalties.