Case Law Index
federal2021
Additional Highlights:StandingArticle IIICredit Reporting
TransUnion LLC v. Ramirez
United States Supreme Court
Key Holding
Only class members with a concrete injury may recover damages in a federal lawsuit; most class members whose credit reports contained errors but were not shared with third parties lacked standing.
Case Summary
TransUnion LLC v. Ramirez held that Article III standing requires a concrete, particularized injury, and that most members of a class of individuals whose credit files contained false OFAC alerts lacked standing because their reports were never provided to third parties and thus caused no concrete harm.