Up to $600 Equifax Duplicate Account Settlement (No Proof)

What happened

Class period: August 2022 through September 2022, when Equifax mailed the Duplicate Reporting Letter

• Charmayne Bradberry sued Equifax Information Services, LLC after she says the company listed the same collection account more than once on her Equifax credit report.
• The lawsuit claims this broke the federal Fair Credit Reporting Act, specifically section 1681e(b). That rule requires credit bureaus to use reasonable procedures to keep consumer reports as accurate as possible.
• A duplicate collection account can make one debt look like two. That can drag down a credit score and make a person look deeper in debt than they really are.
• In August and September 2022, Equifax mailed letters to consumers telling them they may have had a duplicate collection account in their file at a time when someone had pulled their credit. The settlement calls this the Duplicate Reporting Letter.
• About 37,000 people are in the settlement class.
• Equifax denies doing anything wrong and denies breaking the law. It agreed to settle to avoid the cost and risk of a longer court fight.
• Equifax agreed to fund a $2,200,000 settlement, give every class member six months of free credit monitoring, and keep its corrected practices in place for six months.
• The case is Bradberry v. Equifax Information Services, LLC, Case No. 1:22-CV-04754-MLB, in the United States District Court for the Northern District of Georgia, before Judge Michael L. Brown.

What you can get

Key dates

Who may qualify

• You received notice of this settlement by postcard or email addressed to you
• Equifax records show it mailed you a letter in August or September 2022 saying you may have had a duplicate collection account in your file
• That duplicate appeared at the same time someone made an inquiry on your Equifax file
• You are not an Equifax director, officer, or employee, and not the judge or court staff on this case

How to file

1. Find your notice. You need the Notice ID, which starts with the letters EQB, and the PIN printed on it.
2. Go to https://duplicateaccountfcrasettlement.com/submit-claim
3. Log in with your Notice ID and PIN
4. Confirm or update the mailing address Equifax has on file for you
5. Choose electronic payment if you prefer it. If you do nothing here, payment comes as a paper check by mail.
6. Affirm that the duplicate reporting harmed you, then submit by September 1, 2026
7. If you lost your notice, call the administrator at 514-577-5973 or email Info@duplicateaccountfcrasettlement.com

Proof required

• No receipts, statements, or supporting documents are required
• You need the Notice ID starting with EQB and the PIN from your notice to log in
• You must affirm that the duplicate reporting harmed you
• Credit monitoring requires no claim at all and goes to every class member automatically

Payment timing

Payments go out only after the court grants final approval and any appeals are resolved. The Final Approval Hearing is set for October 6, 2026. Checks are mailed by USPS to the address Equifax has on file for you, so update that address on the Submit Claim page if you have moved. You can also set up electronic payment there instead. Appeals can add months, so there is no firm payment date yet.

Important links

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

Contact

Extra details

• This is not the 2017 Equifax data breach settlement. That case was about hackers stealing personal data. This one is about the same debt being listed twice on a credit report.
• The credit monitoring is automatic. Every class member gets six months of Equifax Complete without filing anything.
• All three deadlines land on the same day, September 1, 2026: claims, opt-outs, and objections.
• Opt-out requests go to a different address than the general administrator mail: Bradberry v. Equifax, c/o Settlement Administrator, ATTN: Exclusion Request, P.O. Box 58220, Philadelphia, PA 19102.
• The $600 figure is a ceiling, not a promise. The fund is $2.2 million, about 37,000 people are in the class, and attorney fees of $733,333.33 plus up to $75,000 in costs and administration expenses come out first. Payments shrink as more people file.
• Equifax also agreed to remove the duplicate collection accounts caused by this issue and to keep its corrected practices for six months.
• Class Counsel's fee request was scheduled to post to the settlement website on July 28, 2026.
• Do not contact Equifax or the court with questions. Use the settlement administrator.

FAQ

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