$2.2M Equifax credit reporting class action settlement

Equifax has agreed to a $2.2 million class action settlement to resolve claims it violated the Fair Credit Reporting Act (FCRA) by reporting the same collection account multiple times on consumer reports.

The Equifax settlement benefits consumers identified by Equifax who received a “Duplicate Reporting Letter” informing them that they may have had a duplicate collection account reflected in their Equifax file in August or September 2022.

According to a class action lawsuit, Equifax violated FCRA by reporting the same collection account multiple times on consumer reports. The plaintiff in the case says this inaccurate reporting allegedly harmed her creditworthiness and caused financial harm.

Equifax is a credit reporting agency that collects and sells consumer data to lenders, landlords and other companies. Equifax collects information about consumers’ credit accounts, payment history, credit inquiries, bankruptcies and other public records.

Equifax has not admitted any wrongdoing but agreed to pay $2.2 million to resolve these FCRA allegations.

Under the terms of the Equifax settlement, class members can receive a cash payment and six months of free credit monitoring.

Class members who affirm they were harmed by the duplicate reporting can receive a cash payment from the settlement. Payments will vary depending on the number of claims filed, but class members could receive up to $600.

Class members who do not file a claim will receive credit monitoring benefits. Equifax agreed to give all class members access to its “Equifax Complete” credit monitoring product for six months. This product allows class members to monitor their consumer reports and scores, receive alerts for key changes and receive up to $500,000 in coverage for certain out-of-pocket expenses related to identity theft.

Equifax also agreed to ensure it has removed all duplicate collection accounts from class members’ files. The company agreed to continue changes to its practices for six months to avoid reporting the same collection account more than once on the same consumer report.

The deadline for exclusion and objection is Sept. 1, 2026.

The final approval hearing for the Equifax FCRA class action settlement is scheduled for Oct. 6, 2026.

Class members who do not exclude themselves will automatically receive credit monitoring benefits. Class members who wish to receive a cash payment must submit a valid claim form by Sept. 1, 2026.

Who’s Eligible

Consumers identified by Equifax as having been mailed a Duplicate Reporting Letter in August or September 2022.

Potential Award

Up to $600

Proof of Purchase

Claimants must affirm they were harmed by the duplicate reporting.

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

09/01/2026

Case Name

Bradberry v. Equifax Information Services LLC, Case No. 1:22-cv-04754-MLB, in the U.S. District Court for the Northern District of Georgia

Final Hearing

10/06/2026

Settlement Website

DuplicateAccountFCRASettlement.com

Claims Administrator

Bradberry v. Equifax
c/o Settlement Administrator
1650 Arch St, Suite 2210
Philadelphia, PA19103
[email protected]
514-577-5973

Class Counsel

James A. Francis
John Soumilas
FRANCIS MAILMAN SOUMILAS P.C.

Ari Marcus
Yitzchak Zelman
MARCUS & ZELMAN LLC

Defense Counsel

Zachary A. McEntyre
Billie B. Pritchard
Alexandra H. Titus
KING & SPALDING LLP