$100 to $400 Equifax Hard Inquiry Settlement (No proof)

What happened

Class period: Certified Group: October 4, 2016 through March 27, 2026. General Dispute Group: August 31, 2021 through March 27, 2026.

• Consumers disputed hard inquiries on their Equifax credit reports, saying the credit checks were not authorized
• The lawsuits claim Equifax did not contact the companies that pulled the reports and did not remove the disputed inquiries
• Equifax sent some consumers a letter saying inquiries are "a factual record of file access" and to contact the creditor
• Plaintiffs claim this violated the Fair Credit Reporting Act (FCRA) and similar New York and New Jersey laws
• Equifax denies all wrongdoing but agreed to a $30 million settlement that resolves four lawsuits
• About 3 million people are in the Settlement Class

What you can get

Key dates

Who may qualify

• You live in the United States or its territories
• Equifax's records show it received your dispute of a hard inquiry between August 31, 2021 and March 27, 2026 (General Dispute Group)
• Or Equifax received your mailed hard inquiry dispute between October 4, 2016 and March 27, 2026, coded it "not mine" or "unauthorized," and sent you a letter saying inquiries are a factual record of file access (Certified Group)
• New York residents who got that letter between November 27, 2017 and September 10, 2024 may also be in the New York Subclass
• You received a mailed or email notice with a Claim Number and PIN

How to file

1. Find the Claim Number and PIN on your mailed or email notice
2. Go to the claim form page on the official settlement website
3. Enter your Claim Number and PIN exactly as printed, then click "Next"
4. Complete all parts, check at least one box in Section III, and sign under oath
5. Choose electronic payment or confirm your mailing address for a paper check
6. Submit by November 29, 2026
7. No notice but think you qualify? Contact the Settlement Administrator

Proof required

• No supporting documents are required, since Equifax's records decide who is in the class
• Claim Number and PIN from your mailed or email notice
• Your signature under oath on the Claim Form

Payment timing

Payments are sent after the Court grants final approval and any appeals are resolved. You can choose electronic payment on the claim form, or a paper check will be mailed by USPS.

Important links

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

Contact

Extra details

• Payment amounts are estimates based on typical claim rates and may end up lower or higher
• Payments are not automatic, so you must file a claim to get paid
• Log in to the claim form with your Claim Number and PIN to see which group you are in
• New York Subclass members may have received notice about this case in August or November 2025
• The settlement resolves four lawsuits: Hines, Rivera, Oblack, and Neubauer
• Class Counsel will ask for up to $10 million in attorneys' fees, up to $260,000 in expenses, and up to $60,000 in service awards, all paid from the fund
• Class Counsel's fee request will be available on October 20, 2026
• Notice of Intention to Appear deadline: November 26, 2026
• Final approval hearing: December 10, 2026, at 10:00 a.m., U.S. District Court, 225 Cadman Plaza East, Brooklyn, NY. It may move or go virtual, so check the official site
• Do not contact Equifax or the Court for information, contact the Settlement Administrator instead

FAQ

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