Class Action Status

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Equifax credit score coding error settlement

In re Equifax Fair Credit Reporting Act Litigation

Also known as Equifax settlement; Equifax credit score error; Equifax coding error; Equifax $100 million settlement; In re Equifax FCRA Litigation

The lawsuit claimed Equifax reported inaccurate credit data after a coding error in March and April 2022.

Copied from the official notice. Last compared Nov 3, 2026.

Open File by Monday, Dec 28, 2026 (online, or postmarked by mail).

You could get
Est. $95 to $280
Source
“estimate payments at approximately between $95 and $280”

From the administrator site: Official class action notice (PDF on official site). Last compared Nov 3, 2026.
You need
No receipt needed Needs the code from your notice Claim ID and PIN from your email or mailed notice (to file online) Some paperwork: describes the claim form only
Source
“If you received direct notice of the settlement, the easiest way to submit your claim is online at www.EquifaxFairCreditReportingSettlement.com using the Claim ID and PIN printed above, or complete this form and mail it to the Settlement Administrator at the address below.”

From the administrator site: Official claim form (PDF on official site). Last compared Nov 3, 2026.
Who can file
Credit score changed by Equifax coding issue, Mar-Apr 2022
Source
“You are a Settlement Class Member if you are an individual in the United States for whom a credit score or credit attribute that differed from what it would have been absent the OMS Issue, according to the OMS Analysis, was reported by Equifax to a third party in connection with a Class Transaction. If you received an email or mail notice, then according to Equifax’s records, you fall within this group. ... Excluded from the Settlement Class are Equifax, its affiliates, employees, officers, directors, and the judge(s) assigned to this case.”

From the administrator site: Official class action notice (PDF on official site). Last compared Nov 3, 2026.

Where
Anywhere in the U.S.
Source
“All individuals in the United States for whom a credit score or credit attribute that differed from what it would have been absent the OMS Issue, according to the OMS Analysis, was reported by Equifax to a third party in connection with a Class Transaction. The term “OMS Issue” means a computer coding issue that Equifax experienced between March 17, 2022 and April 8, 2022. And the term “Class Transaction” is a Transaction that Equifax has identified in the OMS Analysis.”

From the administrator site: Official class action notice (PDF on official site). Last compared Nov 3, 2026.

Time to file
About 3 minutes
Source

Our estimate of how long the official claim form takes. The notice does not say.

From the official site: equifaxfaircreditreportingsettlement.com. Last compared Nov 3, 2026.

File free on the official site
Official site: equifaxfaircreditreportingsettlement.com

Free. The official site never charges.

Add deadline to my calendar

Remind me before the deadline, and tell me when it pays

Email only, about this settlement only. We never give your email to law firms or claim services. You confirm by email first, and every message has a one-click unsubscribe.

Quick answers

How much is the Equifax credit score coding error settlement payout?

Est. $95 to $280.

Where is the Equifax credit score coding error settlement claim form?

On the official site, www.equifaxfaircreditreportingsettlement.com. Filing is free. The last day to file is Dec 28, 2026.

Open the claim form on www.equifaxfaircreditreportingsettlement.com

When will the Equifax credit score coding error settlement pay?

Payment can only happen after the court gives final approval and any appeals are over.

The final approval hearing is set for Jan 22, 2027.

Is the Equifax credit score coding error settlement legit?

The settlement administrator (the company that handles claims) is Verita, and the official site is www.equifaxfaircreditreportingsettlement.com. Real notices point there; if a link in a message goes anywhere else, do not use it.

The official site never asks you to pay to file.

How to check a notice or a text

Compare yourself to the official class definition

You may be included if Equifax gave a third party a credit score or attribute of yours changed by its Mar. 17 to Apr. 8, 2022 coding issue.

It covers individuals in the United States. If you got an email or mailed notice, Equifax's records place you in the class.

You are not included if you are Equifax, its affiliates, employees, officers or directors, or a judge assigned to the case.

Check each condition yourself. The boxes are only for you; nothing is sent or stored.

The court’s exact words

All individuals in the United States for whom a credit score or credit attribute that differed from what it would have been absent the OMS Issue, according to the OMS Analysis, was reported by Equifax to a third party in connection with a Class Transaction. The term “OMS Issue” means a computer coding issue that Equifax experienced between March 17, 2022 and April 8, 2022. And the term “Class Transaction” is a Transaction that Equifax has identified in the OMS Analysis.

From the administrator site: Official class action notice (PDF on official site)

This checklist is for guidance only and can be wrong. Only the court's definition decides. Read the official wording before you file.

How to file

  1. Find the code from your notice

    • Claim ID and PIN from your email or mailed notice (to file online)

    No notice, or lost it?

  2. Gather what you need

    No proof of purchase is required.

  3. File online, or by mail

    At www.equifaxfaircreditreportingsettlement.com, by Dec 28, 2026. Filing is free.

    Or mail a paper claim form to:Equifax FCRA Litigation, Settlement Administrator, P.O. Box 301132, Los Angeles, CA 90030-1132

    The deadline note says: “Online by December 28, 2026 (filing online needs the Claim ID and PIN from your notice), or by mail postmarked by December 28, 2026.”

  4. Save your confirmation

    Keep your confirmation number or email. You do not need to file again.

Confirm with the administrator before you act.

After you file

Payment can only happen after the court gives final approval and any appeals are over.

The final approval hearing is set for Jan 22, 2027.

For context: First payments were issued 52 to 875 days after final approval, based on 15 settlements. Half were paid within 119 days. 1 of the 15 waited on appeals after approval.

See what is known about payments in other settlements

Also ending this week

Case details
Case
In re Equifax Fair Credit Reporting Act Litigation
Court
United States District Court for the Northern District of Georgia, Atlanta Division
Case number
1:22-cv-3072-LMM-CCB
Administrator
Verita
Settlement fund
$100,000,000
Full payout terms
Equal share of $100M, estimated $95 to $280An equal (pro rata) share of the net settlement fund. Plaintiffs currently estimate payments at approximately between $95 and $280, but the actual amount may be higher or lower.
Effort
Easy, about 3 minutes
Other dates
Opt-out (exclusion) deadline
(ahead) source document
Objection deadline
(ahead) source document
Final approval hearing
(ahead) source document
The court’s exact words

All individuals in the United States for whom a credit score or credit attribute that differed from what it would have been absent the OMS Issue, according to the OMS Analysis, was reported by Equifax to a third party in connection with a Class Transaction. The term “OMS Issue” means a computer coding issue that Equifax experienced between March 17, 2022 and April 8, 2022. And the term “Class Transaction” is a Transaction that Equifax has identified in the OMS Analysis.

Quoted from the official notice. Read the notice for the full definition.

Our notes: Per the notice, the class is individuals in the United States for whom Equifax reported to a third party a credit score or credit attribute that differed because of a computer coding issue Equifax experienced between March 17, 2022 and April 8, 2022, in a transaction Equifax identified in its analysis. People who got an email or mailed notice are in this group according to Equifax's records. Read the notice for the full definition and exclusions.

Sources and checks (5)

Every fact people act on was copied from the official source and compared with it. How we check

What changedLast change Oct 25, 2026
  • Page created. Claims open until December 28, 2026. source document
Questions

I already filed. What now?

Keep your confirmation number or email. You do not need to file again. Payment can only happen after the court gives final approval; once it does, the payment status page shows what is known.

Opting out

To leave the settlement and keep your right to sue on your own, follow the official notice by Nov 27, 2026. If you opt out, you get no payment. Opting out and objecting have separate rules; we cannot tell you which is right for you.

File free on the official site Opens www.equifaxfaircreditreportingsettlement.com