{"schema_version":"secwatch.filing_event.v1","accession":"0001552033-23-000043","form_type":"8-K","ticker":"TRU","cik":"0001552033","company_name":"TransUnion","filed_at":"2023-10-12T23:59:59+00:00","discovered_at":"2026-05-14T18:03:29.485138+00:00","generated_at":"2026-06-10T00:41:07.069117+00:00","sec_items":["8.01"],"event_type":"regulatory","sentiment":"negative","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"TransUnion settles CFPB/FTC matters for $23M in penalties and redress","bullets":["TURSS settlement: $11M redress + $4M civil penalty for alleged FCRA violations in rental screening.","Security freeze settlement: $3M redress + $5M civil penalty for failure to timely place/lift freezes.","TURSS Consent Order requires changes to eviction record reporting and adverse action templates.","Security Freeze Consent Order requires comprehensive compliance plan to be submitted to CFPB.","Company maintains its practices were lawful but settled to resolve the issues."],"urls":{"canonical":"https://secwatch.observer/filing/0001552033-23-000043","json":"https://secwatch.observer/filing/0001552033-23-000043.json","markdown":"https://secwatch.observer/filing/0001552033-23-000043.md","text":"https://secwatch.observer/filing/0001552033-23-000043.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1552033/000155203323000043/0001552033-23-000043-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1552033/000155203323000043/ck0001552033-20231005.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-10T00:41:07.069117+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}