Est. $95 to $280: Equifax Credit Score Error Settlement

What happened

Class period: March 17, 2022 through April 8, 2022

• Equifax had a computer coding issue, called the "OMS Issue," between March 17, 2022 and April 8, 2022
• The lawsuit claims Equifax reported inaccurate credit scores and credit attributes about millions of Americans to lenders and other businesses during that time
• These reports were used when people applied for loans, insurance, or other services
• Plaintiffs claim this violated the federal Fair Credit Reporting Act, which requires credit reporting agencies to follow reasonable procedures for maximum possible accuracy
• Equifax denies any wrongdoing but agreed to pay $100,000,000 into a non-reversionary settlement fund
• The case is In re Equifax Fair Credit Reporting Act Litigation, No. 1:22-cv-3072-LMM-CCB, U.S. District Court for the Northern District of Georgia

What you can get

Key dates

Who may qualify

• You are an individual in the United States
• Equifax reported a credit score or credit attribute about you to a third party that was different because of the coding issue between March 17 and April 8, 2022
• The report was part of a transaction Equifax identified in its analysis of the issue
• You received an email or mailed notice, which means Equifax's records show you are in the class
• You are not an Equifax affiliate, employee, officer, or director, or a judge assigned to the case

How to file

1. Go to the official claim page or settlement website
2. Complete and submit the Claim Form online by December 28, 2026
3. Or download the Claim Form and mail it, postmarked by December 28, 2026, to Equifax FCRA Litigation, P.O. Box 301132, Los Angeles, CA 90030-1132
4. If you object to the settlement, you can still submit a Claim Form

Proof required

• No supporting documents are listed as required
• Submit a completed, valid, and timely Claim Form
• Eligibility is based on Equifax's records of affected transactions

Payment timing

Payments will be made only after the Court grants final approval and the settlement becomes final and effective. Check the settlement website for updates.

Important links

• Official website
• Claim form
• Important dates
• FAQs
• Documents

Contact

Extra details

• Every valid claim gets an equal share; the more people who file, the smaller each payment
• The $95 to $280 range is an estimate from Plaintiffs based on typical claims rates, and the actual amount may be higher or lower
• Class Counsel will ask for attorneys' fees up to one-third of the fund ($33,333,333) plus up to $500,000 in expenses
• To opt out, you must mail a signed request yourself, postmarked by November 27, 2026, with your full name, address, email address, the case name and number, and a statement that you want to be excluded
• No third party or company can opt out for you
• If you opt out, you get no payment and cannot object
• If you do nothing, you get no payment and give up your right to sue Equifax over the coding issue
• The Final Approval Hearing is January 22, 2027 at 2:00 p.m. at the Richard B. Russell Federal Building, 75 Ted Turner Drive SW, Atlanta, GA 30303; it may be moved or held remotely without notice
• Do not contact Equifax or the Court for information
• Watch for scams: use only the official settlement website

FAQ

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