Equifax Duplicate Credit Reporting (FCRA) Settlement
Bradberry v. Equifax Information Services, LLC, No. 1:22-cv-04754-MLB (U.S. District Court, Northern District of Georgia)
Verified July 2026. Deadlines change by court order — always confirm the current date on the official site before you file.
A $2.2 million settlement over allegations that Equifax violated the Fair Credit Reporting Act (FCRA) by reporting the same collection account more than once on certain consumer credit files, in violation of the law's accuracy requirements. Equifax denies wrongdoing. This is separate from the well-known 2017 Equifax data-breach settlement. Eligible people can file a claim for free through the official settlement administrator until September 1, 2026.
Estimated payout
A pro-rata cash payment expected to be up to $600 for members who affirm they were harmed, plus six months of free Equifax Complete credit monitoring provided automatically to all class members.
Proof required?
No documents to upload, but you need the Notice ID and PIN from your settlement notice and must check a box attesting to the harm you experienced. The six months of credit monitoring is automatic for all class members.
Cost
Always free through the official administrator.
Who qualifies
U.S. consumers whom Equifax identified as having been mailed a 'duplicate reporting letter' in August or September 2022 (about 37,651 people), including everyone sent notice of this settlement.
Background
Equifax is one of the three national credit bureaus, and the FCRA requires it to follow reasonable procedures for maximum possible accuracy. This case alleged the same collection account appeared twice on some Equifax reports — the kind of duplicate that can drag down a credit score. As part of the deal, Equifax also agreed to remove the duplicate accounts and not re-report them for six months.
What you need to file
- The Notice ID and PIN printed on your mailed or emailed settlement notice.
- Confirmation of the harm you experienced (you check a box and attest under penalty of perjury).
- Your contact information and a payment choice.
What you can get
A pro-rata cash payment expected to be up to $600 for members who affirm they were harmed, plus six months of free Equifax Complete credit monitoring provided automatically to all class members.
Proof of purchase or loss: No documents to upload, but you need the Notice ID and PIN from your settlement notice and must check a box attesting to the harm you experienced. The six months of credit monitoring is automatic for all class members.
How to file for free
Go directly to the official settlement administrator at duplicateaccountfcrasettlement.com and file your claim. It takes a few minutes and costs nothing. The deadline is September 1, 2026 — confirm it on the official site, since courts can move deadlines.
Free to file. We’re not a law firm.
Unclaimed Guide is an independent guide. We are not a law firm, not a claims-filing service, and not affiliated with Equifax Information Services, LLC, the settlement administrator, or the court. You can always file this claim yourself, for free, at the official site above. Never pay a company that offers to file it for you.
Common questions
No. This is a separate $2.2 million settlement over Equifax allegedly reporting the same collection account twice, in violation of the FCRA — not the 2017 Equifax data breach. If Equifax mailed you a duplicate reporting letter in August or September 2022, you can claim up to $600 plus free credit monitoring by September 1, 2026 at duplicateaccountfcrasettlement.com.
Yes. Filing is always free through the official settlement administrator at duplicateaccountfcrasettlement.com. You never need to pay a law firm or a claims service — we are an independent guide and are not affiliated with the settlement, the administrator, or the court.
The deadline is September 1, 2026. Deadlines can change by court order, so confirm the current date on the official site, duplicateaccountfcrasettlement.com, before you act.
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