Equifax allegedly violated the FCRA by reporting duplicate collection accounts on consumers' credit files, inflating the number of accounts shown as owed.
Eligibility
U.S. residents who received a duplicate-reporting notice letter from Equifax in August or September 2022 stating their credit file showed a duplicate collection account.
Estimated Payout
up to $600 per person, plus six months of complimentary credit monitoring (identity theft coverage valued up to $500,000)
Claim Deadline
2026-09-01
Background
The claims arise from Bradberry v. Equifax Information Services LLC, a lawsuit filed in the U.S. District Court for the Northern District of Georgia (No. 1:22-cv-04754-MLB) accusing Equifax of violating the FCRA by listing the same collection account twice on affected consumers' credit files. Equifax has not admitted fault -- the settlement site notes the court has not ruled on which side is correct -- and the company agreed to resolve the case without a trial. The settlement has received preliminary approval and is now moving toward a final fairness hearing, with an objection deadline set for October 6, 2026.