Equifax $2.2 Million Credit File Error Settlement, Check If You Qualify — Bradberry v. Equifax Information Services LLC, No. 1:22-cv-04754-MLB

There’s up to $600 waiting for you — if Equifax mailed you a duplicate reporting letter in August or September 2022. Equifax Information Services agreed to pay $2.2 million to settle claims that it reported the same collection account twice on certain credit files. You have until September 1, 2026 to file.

Quick Facts

Settlement Amount	$2,200,000
Claim Deadline	September 1, 2026
Who Qualifies	37,651 people Equifax identified as recipients of a duplicate reporting letter mailed August–September 2022
Estimated Payout	Up to $600 (pro rata, cash) plus 6 months of free Equifax Complete credit monitoring
Proof Required	No — but you need the ID and PIN from your settlement notice
Settlement Status	Approved for claims — final approval hearing pending
Court & Case Number	U.S. District Court, N.D. Georgia, No. 1:22-cv-04754-MLB
Law Alleged	Fair Credit Reporting Act (FCRA)
Administrator	Angeion Group
Official Claim Site	duplicateaccountfcrasettlement.com
Last Updated	July 8, 2026

Who Is Equifax and Why Are They Being Sued Over Duplicate Reporting?

Equifax is one of the three major credit bureaus, and lenders rely on its reports to decide who gets approved and at what rate. That makes accuracy the whole job. This case claims Equifax listed the same collection account twice on certain consumer files — a mistake that can make someone look like they owe more than they actually do, right when a lender is checking.

What Did Equifax Do, and When?

The lawsuit — Bradberry v. Equifax Information Services LLC — alleges Equifax violated the Fair Credit Reporting Act by reporting the same collection account more than once on some consumers’ credit files, sometimes alongside a hard inquiry. The FCRA requires credit bureaus to maintain reasonable procedures to assure maximum possible accuracy of the information in your file. Reporting one debt as two separate accounts fails that standard — it can drag down a credit score for a debt that, on paper, looks bigger than it is.

Equifax sent notice letters to affected people in August and September 2022 flagging the issue directly. That’s actually good news for you here: if you’re in this class, Equifax already told you your file may have shown a duplicate.

Equifax denies the allegations. The company agreed to settle to avoid the cost and risk of a trial, and as part of the deal agreed to remove duplicate collection accounts from affected files and change its reporting practices for six months.

That’s not a small technical fix. If your score took a hit because of an account that was really counted twice, that duplicate is now supposed to be gone — whether or not you file a claim.

For more on how credit bureau accuracy failures show up in other settlements, see our coverage of the Allstate class action lawsuits, which covers a similar pattern of consumer data mishandling by a large company.

Who Qualifies for the Equifax Duplicate Reporting Settlement?

Here’s exactly how to know if this case includes you.

• You reside in the United States
• Equifax identified you as someone it mailed a duplicate reporting letter to in August or September 2022
• That letter told you your Equifax file may have shown a duplicate collection account at the same time as an inquiry

You do not qualify if:

• You never received a duplicate reporting letter from Equifax during that window
• Your dispute involved a different type of credit file error, not duplicate collection reporting

Related article: DHS Citizenship Data Lawsuit, Were You Affected by the SAVE System? League of Women Voters v. DHS, No. 1:25-cv-03501

Class Members Outside Georgia — Are You Still Covered?

Yes. This settlement isn’t limited by state. It covers the 37,651 people nationwide whom Equifax identified and mailed notice to, regardless of where they live.

Not sure if you’re one of the 37,651? Check your mail and email from August–September 2022 for a letter from Equifax about a duplicate account. If you can’t find it, the settlement website’s contact line can help confirm your status using your name and address.

How Much Can Equifax Settlement Class Members Get? Up to $600 Per Person

Class members get two separate benefits, and you don’t have to choose between them — both are available.

Cash payment: File a claim for a pro rata share of the settlement fund, estimated up to $600. Your exact amount depends on how many people file valid claims — more filers means a smaller individual check.

Credit monitoring: Every class member — whether or not they file a cash claim — gets six months of free Equifax Complete credit monitoring, which includes three-bureau credit reports, score tracking, alerts on key changes, and up to $500,000 in coverage for certain identity theft-related expenses.

Payments over $600 may be reported to the IRS on a 1099. Consult a tax professional about your specific situation.

Here’s where the money actually goes: of the $2.2 million fund, attorneys’ fees take $733,333.33 and expenses take up to $75,000, with the remainder split among approved claimants. Equifax is separately paying $425,000 in additional attorneys’ fees for practice changes and $2,247,764.70 to cover the credit monitoring services — neither of those amounts comes out of your $2.2 million.

How to File Your Equifax Settlement Claim — Step by Step

1. Go to duplicateaccountfcrasettlement.com
2. Enter the ID and PIN printed on your settlement notice
3. Confirm your identity and mailing details
4. Choose your payout method — PayPal, Venmo, Zelle, virtual prepaid card, or paper check
5. Submit online, or mail the printed claim form to: Bradberry v. Equifax, c/o Settlement Administrator, 1650 Arch St, Suite 2210, Philadelphia, PA 19103
6. Save your confirmation number

Takes about 5 minutes online.

⚠️ 55 days left as of this update — file at duplicateaccountfcrasettlement.com before September 1, 2026.

Should Equifax Settlement Class Members Opt Out or Object?

What Opting Out Actually Means

Opting out means you get no cash payment and no credit monitoring from this settlement, but you keep the right to sue Equifax separately over the same duplicate-reporting claim. Most people should not opt out without talking to an attorney first.

How to Object to the Settlement

If you disagree with the terms, you can stay in the class and still tell the court you object. The exact format and deadline for objections match the exclusion deadline — check duplicateaccountfcrasettlement.com/faqs for the required procedure.

Talk to a consumer rights attorney before September 1, 2026 if you’re considering either option.

Equifax Duplicate Reporting Settlement — Key Dates, 2026

Milestone	Date
Duplicate reporting letters mailed	August–September 2022
Lawsuit filed	2022
Settlement reached	2026
Claims Period Opens	Now open
Claim Filing Deadline	September 1, 2026
Opt-Out/Exclusion Deadline	September 1, 2026
Final Approval Hearing	October 6, 2026
Expected Payment Date	Approximately 75 days after final approval
Credit Monitoring Info Sent	No later than 90 days after final approval

Equifax Duplicate Reporting Settlement — Frequently Asked Questions, No. 1:22-cv-04754-MLB

Is there really a $2.2 million Equifax settlement for credit file errors?

 Yes. Equifax Information Services agreed to pay $2.2 million to resolve Bradberry v. Equifax Information Services LLC, alleging duplicate reporting of collection accounts on certain credit files.

How do I know if I’m part of the settlement class?

 You qualify if Equifax identified you as someone it mailed a duplicate reporting letter to in August or September 2022. Check your records from that period for the notice.

How much will I get from the Equifax settlement?

 Cash payments are pro rata, estimated up to $600, depending on the total number of valid claims filed. Every class member also gets six months of free credit monitoring regardless of the cash claim.

Do I need proof to file a claim?

 No documentation is required, but you do need the ID and PIN printed on your settlement notice to file online.

What if I lost my settlement notice with my ID and PIN?

 Contact the settlement administrator, Angeion Group, through duplicateaccountfcrasettlement.com to recover your claim information.

When will I actually get paid?

 Payments go out approximately 75 days after the court grants final approval at the October 6, 2026 hearing.

Does this settlement fix the duplicate on my credit report?

 Yes. As part of the settlement, Equifax agreed to remove duplicate collection accounts from affected class members’ files, separate from any cash payment.

Sources Used in This Equifax Settlement Article

• Official Settlement Website — duplicateaccountfcrasettlement.com
• Class Notice — Bradberry v. Equifax Information Services LLC: https://angeion-public.s3.amazonaws.com/www.duplicateaccountfcrasettlement.com/docs/Equifax%20Bradberry_Long%20Form%20Notice.pdf
• Settlement Agreement: https://angeion-public.s3.amazonaws.com/www.duplicateaccountfcrasettlement.com/docs/Equifax%20Bradberry_Class%20Settlement%20Agreement.pdf
• Claim Form: https://angeion-public.s3.amazonaws.com/www.duplicateaccountfcrasettlement.com/docs/Equifax%20Bradberry_Claim%20Form.pdf

This article is for informational purposes only and does not constitute legal advice. Laws vary by state and individual circumstances differ. For advice about your specific situation, consult a qualified attorney.