Financial Consumer

Equifax Duplicate Credit Reporting FCRA Settlement

Settlement Amount
Up to ~$600 + monitoring

Claim Deadline
September 1, 2026

Total Fund
$2,200,000

Equifax Information Services LLC has agreed to a $2.2 million settlement in Bradberry v. Equifax over alleged duplicate collection-account reporting on certain credit reports for roughly 37,000 consumers who received Equifax letters in August–September 2022. Eligible members may claim an estimated up to ~$600 cash plus six months of Equifax Complete monitoring (automatic). This is not the 2017 Equifax data breach settlement. Claim deadline: September 1, 2026.

Do I Qualify?

You may be eligible if:

You are among the approximately 37,000–37,651 U.S. consumers Equifax identified as recipients of a duplicate reporting letter mailed in August or September 2022
The letter concerned collection accounts reportedly appearing more than once on an Equifax consumer report
You have your Notice ID (beginning with EQB) and PIN from the settlement notice
You understand this is the Bradberry FCRA duplicate-reporting case — not the 2017 Equifax mega-breach
You submit any cash claim at DuplicateAccountFCRASettlement.com by September 1, 2026

Notice ID and PIN required: Use the EQB Notice ID and PIN from your settlement notice at DuplicateAccountFCRASettlement.com. Cash claims: affirm harm from the duplicate reporting — no receipts required. Credit monitoring: automatic for all class members without a cash claim. Do not file at any 2017 Equifax data breach claim portal.

File your claim through the official settlement website at duplicateaccountfcrasettlement.com before September 1, 2026.

File Your Claim →

What Happened?

The lawsuit alleges Equifax Information Services LLC violated the Fair Credit Reporting Act by reporting the same collection account more than once on certain consumer credit reports. Equifax mailed duplicate reporting letters to roughly 37,000–37,651 consumers in August or September 2022. Equifax denies wrongdoing.

The case is Bradberry v. Equifax Information Services LLC, Case No. 1:22-cv-04754-MLB, pending in the U.S. District Court for the Northern District of Georgia. It is a standalone FCRA accuracy case about duplicate collection reporting — completely separate from the 2017 Equifax data breach litigation and settlement website.

The $2.2 million settlement funds pro rata cash payments (claim required; estimated up to ~$600) and provides six months of Equifax Complete credit monitoring automatically to all class members. Equifax also agreed to remove duplicate collection accounts from class members' files and avoid duplicate reporting for a six-month period.

Claim, exclusion, and objection deadlines are September 1, 2026. The Final Approval Hearing is October 6, 2026. File only at DuplicateAccountFCRASettlement.com.

How to File Your Claim

Visit DuplicateAccountFCRASettlement.com
Log in with the Notice ID beginning with EQB and the PIN from your settlement notice
If claiming cash, affirm that you were harmed by the duplicate collection-account reporting and submit the claim form
Credit monitoring is automatic for all class members — you do not need a cash claim to receive six months of Equifax Complete
Choose electronic payment (PayPal, Venmo, Zelle, or prepaid card) if available, or receive a paper check
Submit by September 1, 2026
Mail option: Bradberry v. Equifax, c/o Settlement Administrator, 1650 Arch St, Suite 2210, Philadelphia, PA 19103
Visit the official claim form: https://duplicateaccountfcrasettlement.com/

How Much Will I Actually Get?

Equifax agreed to a $2,200,000 settlement fund for this FCRA duplicate-reporting case. Class members who affirm they were harmed may claim a pro rata cash payment estimated up to about $600 (exact amount depends on total valid cash claims). Separately, all class members automatically receive six months of free Equifax Complete credit monitoring — consumer reports, credit score monitoring, alerts, and up to $500,000 identity theft expense coverage — whether or not they file a cash claim. This settlement concerns 2022 duplicate collection-account reporting notices only; it is not the 2017 Equifax data breach case and must not be filed through that older breach portal.

Last reviewed: July 12, 2026 | Information verified from court records and official settlement documents.

Frequently Asked Questions

Who qualifies for the Equifax duplicate credit reporting FCRA settlement?

You may qualify if you are among the approximately 37,000–37,651 U.S. consumers Equifax identified as having been mailed a duplicate reporting letter in August or September 2022. This Bradberry v. Equifax case is only about alleged duplicate collection-account reporting under the FCRA — it is not the 2017 Equifax data breach settlement.

How much can I get from the Equifax duplicate reporting settlement?

From the $2.2 million settlement fund, class members who affirm they were harmed may claim a pro rata cash payment estimated up to about $600; the exact amount depends on how many valid cash claims are filed. Separately, all class members automatically receive six months of free Equifax Complete credit monitoring (consumer reports, credit score monitoring, alerts, and up to $500,000 identity theft expense coverage) whether or not they file a cash claim.

Is this the same as the 2017 Equifax data breach settlement?

No. This is Bradberry v. Equifax Information Services LLC (Case No. 1:22-cv-04754-MLB, N.D. Georgia), a 2026 FCRA settlement about duplicate collection accounts reported on certain credit files. It is unrelated to the older 2017 Equifax mega-breach case. File only at DuplicateAccountFCRASettlement.com — not the 2017 Equifax data breach claim portal.

What is the Equifax duplicate reporting claim deadline?

Cash claims, exclusions, and objections are due by September 1, 2026. The Final Approval Hearing is scheduled for October 6, 2026. Use the Notice ID beginning with EQB and the PIN from your settlement notice to file online.

Do I need documentation to claim Equifax duplicate reporting cash?

You need your Notice ID and PIN from the settlement notice. Cash payment claims require an affirmation that you were harmed by the duplicate reporting, but not receipts or loss documentation. Credit monitoring is automatic for all class members and does not require a cash claim.