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Equifax Duplicate Account Reporting Settlement — Do You Qualify?

Updated July 30, 2026

Defendant
Equifax Information Services, LLC
Status
Open to claims
Potential payout
Expected cash payment up to $600, plus six months of credit monitoring
Claim deadline
September 1, 2026
Settlement fund
$2.2 million
Proof required
No claim form proof for basic payout
Check if you qualify →

Overview

A proposed settlement would resolve 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. The lawsuit alleges Equifax violated the Fair Credit Reporting Act by reporting the same collection account more than once on certain consumer reports. Equifax denies wrongdoing, and the court has not granted final approval.

Who qualifies

  • You are a U.S. consumer identified by Equifax as having been mailed a Duplicate Reporting Letter.
  • Equifax sent the letter in August or September 2022 about a duplicate collection account on your credit file.
  • You use the Notice ID beginning with EQB and PIN from your notice to file a cash claim by September 1, 2026.

What you could receive

Equifax agreed to establish a $2.2 million fund for cash claims and settlement costs. Class members who affirm that the duplicate reporting harmed them may receive a payment expected to be up to $600, depending on valid claims. All settlement class members who do not exclude themselves are also eligible for six months of Equifax Complete credit monitoring, valued in the notice at $59.70, without filing a cash claim.

How to file your claim

  1. 1Find the Notice ID beginning with EQB and the PIN printed on your settlement notice.
  2. 2Log in to the official settlement website and choose the cash-claim option.
  3. 3Affirm the harm you experienced from the alleged duplicate reporting and select an available payment method.
  4. 4Submit the claim on or before September 1, 2026.

Official settlement site: DuplicateAccountFCRASettlement.com. Class Action Pulse is not the settlement administrator or a law firm — always verify eligibility, deadlines, and payout details through the official source above.

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Sources

Frequently asked questions

Who qualifies for the Equifax duplicate reporting settlement?

The class includes U.S. consumers Equifax identified as recipients of a Duplicate Reporting Letter mailed in August or September 2022.

How much could I receive?

The cash payment is expected to be up to $600, but the final amount depends on the number of valid claims and court-approved deductions.

Is credit monitoring automatic?

The court-authorized notice states that class members who remain in the settlement will receive access to six months of Equifax Complete credit monitoring without filing a cash claim.

What is the claim deadline?

Cash claims must be submitted by September 1, 2026.