ExplainerSettlements

Claims are due December 28, 2026. Asking to be excluded, or objecting, has an earlier deadline: November 27, 2026. The settlement covers people in the United States whose credit score or credit attribute, as Equifax reported it to a third party, was changed by a computer coding issue between March 17 and April 8, 2022. If you received a notice, Equifax's records place you in that group.

• Claim deadline: December 28, 2026 (online, or postmarked by that day).
• Opt-out and objection deadline: November 27, 2026.
• A $100,000,000 fund; each valid claim gets an equal share of what is left after court-approved costs.
• Final approval hearing: January 22, 2027; the settlement is not yet final.

The case is In re Equifax Fair Credit Reporting Act Litigation, No. 1:22-cv-3072-LMM-CCB, in the U.S. District Court for the Northern District of Georgia. Equifax has been in other settlements, so check that your notice carries this name and number before you follow any instructions.

The official website defines the class as individuals in the United States for whom a credit score or credit attribute "that differed from what it would have been" without the coding issue was reported by Equifax to a third party in a transaction Equifax has identified. The coding issue ran from March 17, 2022 to April 8, 2022.

Applying for credit in those weeks is not enough by itself; the reported information has to have been affected. The website's FAQ says: "If you received an email or mail notice, then according to Equifax's records, you fall within this group."

The plaintiffs say Equifax reported inaccurate credit information because of a coding error in one of its computer systems, in breach of the Fair Credit Reporting Act. The FAQ says: "Equifax denies that it did anything wrong and that it violated the law." The court has given preliminary approval; final approval is still to come.

The later claim deadline does not extend the earlier one. If you might want to opt out or object, decide before November 27. If you do nothing, you receive no payment and are still bound by the settlement if it becomes final.

No. Equifax agreed to pay $100,000,000 into a fund. After court-approved costs, including administration and the lawyers' fees and expenses, everyone with a valid and timely claim receives an equal share of what is left. The FAQ says: "Based on typical claims rates in similar cases, Plaintiffs currently estimate payments at approximately between $95 and $280, but the actual amount may be higher or lower." That is the plaintiffs' estimate, not a promise, and CaseHelp does not estimate what anyone will receive.

• File online on the official settlement website, or download the claim form there and mail it to the administrator. Either way, by December 28, 2026.
• Find the official website through your notice or the court's records; our guide on how to verify a settlement notice shows how.
• Keep a copy or the confirmation. For the general steps, see how to file a settlement claim.

The hearing is where the court decides whether to approve the settlement. It is not a payment date, and no payment date has been set.

CaseHelp is a consumer claim platform, not a law firm and not the settlement administrator. This guide is general information, not legal advice. Never pay anyone to file a settlement claim.