Equifax
Equifax Credit Score Error Settlement
People affected by Equifax’s spring 2022 credit reporting error may qualify for an estimated $95–$280 per approved claim. The claim deadline is December 28, 2026. Actual payments may be higher or lower.
Key facts
The lawsuit alleges that Equifax reported inaccurate credit information because of a coding issue and violated the Fair Credit Reporting Act. Equifax denies wrongdoing and violating the law.
Who may qualify?
Coverage is limited to U.S. individuals identified in Equifax’s OMS Analysis whose affected credit score or attribute was reported to a third party in a covered transaction. The coding issue ran from March 17 through April 8, 2022.
What could you receive?
Approved claimants share the money remaining after court-approved fees, expenses and administration costs. The official FAQ publishes the plaintiffs’ estimate of about $95–$280 per approved claim. Actual payments depend on how many valid claims are approved and may fall outside that range.
What information is needed?
The official paper form asks for claimant/contact information, a Claim ID and a signed statement that the claimant believes they were harmed and wishes to recover. It does not ask for loss receipts or other supporting attachments. Direct-notice recipients can file online using the Claim ID and PIN from their notice. The paper form pays by check; electronic payment requires the online form. Eligibility remains limited to the affected records in Equifax’s analysis.
What dates matter?
The claim deadline is December 28, 2026. Exclusion requests must be postmarked by November 27, 2026. The court has scheduled a final approval hearing for January 22, 2027. Payments depend on final approval and the settlement becoming effective. No payment date is confirmed in the reviewed material.
Who may qualify
Individuals in the United States whose credit score or credit attribute differed because of the March 17 through April 8, 2022 coding issue, according to Equifax’s OMS Analysis, and was reported to a third party in a covered Class Transaction may qualify. This is not the separate $30 million hard-inquiry dispute settlement.
What proof do you need?
Do you need proof of purchase?
For this settlement, you will not need proof of purchase. The official paper form asks for claimant/contact information, a Claim ID and a signed statement that the claimant believes they were harmed and wishes to recover. It does not ask for loss receipts or other supporting attachments. Direct-notice recipients can file online using the Claim ID and PIN from their notice. The paper form pays by check; electronic payment requires the online form. Eligibility remains limited to the affected records in Equifax’s analysis.
Where do these requirements come from?
From the official settlement notice - the document that sets out who qualifies and what they have to provide. Claim summarizes it; Claim does not set it. Where the notice and this page disagree, the notice is the one that counts.
How can I check a settlement email or text?
Who is the administrator?
Verita Global is the settlement administrator: the company a court appoints to run the claims process, send notices and make payments. It is not the company being sued, and it is not Claim.
Is the sender's name enough to trust the message?
No. A sender name, a display name, a reply-to address and even a case number can all be copied. Check the case name and number in the message against the ones on this page, and reach the court-authorized settlement website yourself rather than through a link or button in the message.
What warning signs should I look for?
Any request for a fee, a payment or a wire to release settlement money. Any request for full banking login details. Pressure to act straight away. A web address that does not match the one in the official notice. Genuine notices identify the case by name and number and explain how payment is made.
Claim helps you check whether you may qualify, understand the official requirements, and keep track of settlement deadlines.
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