$100M Equifax FCRA violations class action settlement

Equifax has agreed to a $100 million class action settlement to resolve claims it provided inaccurate credit information about millions of Americans applying for loans, insurance or services from other businesses that use credit information.

The Equifax settlement covers U.S. residents whose credit scores or credit attributes, as identified in the online modeling system (OMS) analysis, differed from what they would have been without the OMS issue and were reported by Equifax to a third party in connection with a class transaction.

Equifax is a consumer credit reporting agency that collects and aggregates information on over 800 million consumers and more than 88 million businesses worldwide.

Equifax denies it violated the Fair Credit Reporting Act (FCRA) but has agreed to a $100 million class action settlement to resolve the class action lawsuit.

The Equifax FCRA violations lawsuit claims that during three weeks in March and April 2022, Equifax provided inaccurate credit information about millions of Americans applying for loans, insurance or services from other businesses that use credit information.

The class action lawsuit claims that Equifax reported information that was affected by a coding error in one of its computer systems.

Under the terms of the Equifax settlement, class members who submit a valid and timely claim can receive an estimated $95 to $280. Payments will be distributed on a pro rata basis from the net settlement fund after court-approved fees, expenses and administration costs are deducted. The actual payment amount may be higher or lower depending on the number of valid claims submitted.

The deadline to opt out of or object to the Equifax settlement is Nov. 27, 2026.

The final approval hearing for the Equifax FCRA violations class action settlement is scheduled for Jan. 22, 2027.

To receive class action settlement benefits, class members must submit a valid claim form by Dec. 28, 2026.

Who’s Eligible

The Equifax class action settlement covers U.S. residents whose credit scores or credit attributes, as identified in the OMS Analysis, differed from what they would have been without the OMS issue and were reported by Equifax to a third party in connection with a class transaction.

Potential Award

Between $95 and $280 (estimated)

Proof of Purchase

N/A

Claim Form

NOTE: If you do not qualify for this settlement do NOT file a claim.

Remember: you are submitting your claim under penalty of perjury. You are also harming other eligible Class Members by submitting a fraudulent claim. If you’re unsure if you qualify, please read the FAQ section of the Settlement Administrator’s website to ensure you meet all standards (Top Class Actions is not a Settlement Administrator). If you don’t qualify for this settlement, check out our database of other open class action settlements you may be eligible for.

Claim Form Deadline

12/28/2026

Case Name

In re: Equifax Fair Credit Reporting Act Litigation, Case No. 1:22-cv-3072-LMM-CCB, in the U.S. District Court for the Northern District of Georgia

Final Hearing

01/22/2027

Settlement Website

EquifaxFairCreditReportingSettlement.com

Claims Administrator

Equifax FCRA Litigation
P.O. Box 301132
Los Angeles, CA 90030-1132
[email protected]
888-808-1542

Class Counsel

Michael A. Caplan
CAPLAN COBB LLC

Amy Keller
DICELLO LEVITT LLP

David M. Berger
GIBBS MURA LLP

Dena C. Sharp
GIRARD SHARP LLP

Defense Counsel

Zachary A. McEntyre
KING & SPALDING LLP

Ben W. Thorpe
BONDURANT MIXSON & ELMORE LLP