GEICO CLUE Credit Report Settlement, Check If You Qualify  Kohama v. GEICO, No. 8:24-cv-00743-TDC

There’s roughly $150 waiting for you — with no claim form to fill out — if you disputed inaccurate information on your LexisNexis CLUE auto insurance report and GEICO was the source. GEICO agreed to pay $1,650,000 to settle Kohama v. GEICO, No. 8:24-cv-00743-TDC, in the U.S. District Court for the District of Maryland. You have until October 20, 2026, to opt out if you’d rather keep other options open.

GEICO CLUE Report Settlement — Key Facts

Detail	Information
Settlement Amount	$1,650,000
Claim Deadline	None — payment is automatic. Opt-out deadline is October 20, 2026
Who Qualifies	Consumers who disputed CLUE report information through LexisNexis between March 13, 2022, and May 1, 2026, and meet GEICO’s class criteria
Estimated Payout	Approximately $150 per person (about 7,200 class members)
Proof Required (Yes/No)	No
Settlement Status	Preliminarily approved; final approval hearing pending
Court & Case Number	U.S. District Court, District of Maryland — No. 8:24-cv-00743-TDC
Law Alleged	Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq.
Administrator	Continental DataLogix
Official Claim Site	kohama2026settlement.com
Last Updated	September 12, 2026

Who Is GEICO and Why Are They Being Sued Over CLUE Report Errors?

GEICO is one of the country’s largest auto insurers, and like most insurers it feeds claims and loss data into LexisNexis’s Comprehensive Loss Underwriting Exchange — the CLUE database companies use to price policies nationwide. Because GEICO supplies that data, federal law also makes it the party responsible for reinvestigating a report once a driver disputes it, a duty the lawsuit says GEICO didn’t meet for named plaintiff Saki Kohama and others whose disputed information stayed on file anyway. A CLUE error is invisible until a renewal quote jumps — which is exactly why the Fair Credit Reporting Act puts the correction burden on the company that furnished the bad data, not the driver stuck untangling it.

What Did GEICO Do to LexisNexis Dispute Filers Between March 2022 and May 2026?

Saki Kohama disputed information GEICO had reported to LexisNexis about her claims history — information she says was pushing up her car insurance rates. She filed that dispute through LexisNexis under the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq., which requires a company like GEICO to reinvestigate disputed data and correct or remove anything it can’t verify.

The lawsuit alleges GEICO didn’t do that. LexisNexis’s own responses to the disputes came back calling the information “unverifiable” or “accurate,” and GEICO never told LexisNexis to fix or drop it — so the wrong information stayed on reports that other insurers use to set rates. GEICO denies the allegations and hasn’t admitted wrongdoing, but agreed to the $1,650,000 settlement rather than keep litigating.

Only about 7,200 people meet all eight of the settlement’s eligibility criteria — a small slice of everyone who’s ever disputed a CLUE report. That’s exactly why it’s worth checking the specifics below instead of assuming you’re out.

Who Qualifies for the GEICO CLUE Report Settlement?

Here’s exactly how to know if the GEICO credit report settlement includes you.

• Drivers who filed one or more disputes through LexisNexis Risk Solutions between March 13, 2022, and May 1, 2026
• Anyone who disputed information incorrectly linked to their CLUE report, including a “mixed file” that actually belonged to someone else
• People whose disputed information wasn’t tied to them or anyone on their own policy
• Consumers who received a LexisNexis response naming GEICO as the source of the disputed information
• Those who got a response back from LexisNexis calling the information “unverifiable” or “accurate” instead of corrected
• Anyone whose information GEICO never told LexisNexis to fix or remove, and that stayed uncorrected on their CLUE report
• You also have to appear on the settlement class list GEICO generated — disputing in the past alone doesn’t guarantee you’re on it

Who does NOT qualify: consumers who never filed a formal dispute through LexisNexis, those whose disputes were actually corrected at the time, and anyone not on GEICO’s generated class list even if their situation sounds similar.

GEICO CLUE Settlement Members Outside Maryland — Are You Still Covered?

Yes. This is a federal class action, so coverage isn’t limited to Maryland. It reaches anyone nationwide who meets the dispute criteria above and appears on GEICO’s class list, regardless of what state you live in or insure your car in.

If you got a notice about this case in the mail or by email, you’re very likely on that list — you don’t need to dig up old paperwork to prove anything.

Not sure if you qualify for the GEICO CLUE report settlement? A free consultation with a consumer rights attorney can help before the October 20, 2026 opt-out deadline.

How Much Can GEICO CLUE Report Settlement Class Members Get? Up to $150 Per Person

Eligible class members split the net settlement fund evenly — no claim form required. The estimate lands around $150 per person, based on roughly 7,200 class members, though the actual amount could shift depending on how many people opt out before October 20, 2026. Payment goes out as a mailed check, or as a digital payment if you elect that option through the online portal. Payments over $600 may appear on a 1099; check with a tax professional, though at this settlement’s estimated payout that threshold likely won’t come into play for most people.

GEICO Settlement Fund Breakdown — Where the $1,650,000 Goes

• Attorneys’ fees: $549,945
• Litigation expenses: up to $10,000
• Service award to class representative: up to $10,000
• Settlement administration costs: amount not specified
• Remainder: paid automatically to class members

What Pro-Rata Means for Your GEICO Check

Nobody has to file a claim to get paid here, so the size of your check depends on how many people stay in the class rather than how many file paperwork. Fewer opt-outs means a slightly smaller per-person share. More opt-outs means a slightly larger one for everyone who stays.

The lawyers are set to collect $549,945 before any class member sees a cent — about a third of the fund. That’s standard in FCRA cases like this one, but it’s worth knowing before you decide whether the roughly $150 payout is worth objecting to.

How to File Your GEICO CLUE Report Settlement Claim — Step by Step

1. Go to the official claim site at kohama2026settlement.com
2. Locate the Notice ID and PIN from the settlement notice you received by mail or email
3. If you’ve moved, update your mailing address at the payment portal so your check reaches you
4. If you’d rather get paid digitally than by check, elect that option in the same portal using your Notice ID and PIN
5. Do nothing else — no claim form or documentation is required to receive your payment
6. Watch your mail or email for a check or digital payment notice after final court approval

Takes about 5 minutes if you just need to confirm your address. You have until October 20, 2026, to opt out instead, or October 31, 2026, to object to the terms.

Should GEICO Settlement Class Members Opt Out or Object Before October 20, 2026?

What Opting Out of the GEICO Settlement Actually Means

Opting out means you get no payment from this settlement, but you keep the right to sue GEICO on your own over the same CLUE reporting dispute. Most people shouldn’t opt out without talking to a lawyer first — giving up a guaranteed payment for an uncertain lawsuit is a real trade-off. The opt-out deadline is October 20, 2026.

How to Object to the GEICO Settlement

Objecting means you stay in the class and still get paid, but you tell the court in writing that you disagree with part of the deal — often the $549,945 in attorneys’ fees. You have to mail your objection to both the Settlement Administrator and the Court by October 31, 2026, in the format the settlement notice describes.

Talk to a class action lawsuit attorney before October 20, 2026, if you’re considering either option.

GEICO CLUE Report Settlement — Key Dates, 2026

Milestone	Date
Claims Period / Filing	N/A — no claim filing required for this no-proof settlement
Opt-Out Deadline	October 20, 2026
Objection Deadline	October 31, 2026
Payment Election Deadline	January 14, 2027
Final Approval Hearing	January 14, 2027
Expected Payment Date	UNVERIFIED — set after final approval and any appeals resolve; no exact date announced

GEICO CLUE Report Settlement — Frequently Asked Questions, No. 8:24-cv-00743-TDC

Do I need a lawyer to file a GEICO CLUE report settlement claim? 

No. There’s no claim to file — GEICO already generated the list of eligible class members, and payment goes out automatically to anyone on it who doesn’t opt out.

Is the GEICO CLUE report settlement legitimate? 

Yes. It’s a real settlement in Kohama v. GEICO, No. 8:24-cv-00743-TDC, preliminarily approved by the U.S. District Court for the District of Maryland, with a final approval hearing set for January 14, 2027.

When will GEICO settlement payments be sent?

 After the court grants final approval and any appeals resolve. No exact mailing date has been set, since that depends on the outcome of the January 14, 2027 hearing.

What if I missed the GEICO claim deadline?

 There isn’t one to miss. This is a no-proof settlement — the dates that matter are the October 20, 2026 opt-out deadline and the October 31, 2026 objection deadline.

Will my GEICO settlement payment go on a 1099? 

Possibly, though at an estimated $150 per person this falls well under the $600 threshold where a 1099 typically gets issued. Check with a tax professional about your specific situation.

What counts as a “mixed file” in the GEICO CLUE settlement?

 It means LexisNexis linked information to your CLUE report that actually belonged to a different person or household — often from a similar name or address — one of the eight criteria that determines eligibility here.

Can I still dispute a CLUE report error if I don’t qualify for this settlement? 

Yes. The Fair Credit Reporting Act gives every consumer the right to dispute inaccurate CLUE information through LexisNexis, regardless of whether you’re covered by this particular case against GEICO.

How much could GEICO CLUE settlement class members get?

 Estimated at approximately $150 per person, split from the $1,650,000 fund among about 7,200 people — the exact amount depends on how many class members opt out before October 20, 2026.

Sources Used in This GEICO CLUE Report Settlement Article

• Official Settlement Notice — Kohama v. GEICO, Case No. 8:24-cv-00743-TDC (D. Md.): https://www.kohama2026settlement.com/
• Settlement FAQ — Kohama v. GEICO Settlement Administrator: https://www.kohama2026settlement.com/faq.aspx
• Payment Election and Address Verification Portal: https://www.kohama2026settlement.com/payment.aspx

Researched and written by Israr Ahmad, legal content researcher and founder of AllAboutLawyer.com. All facts verified against the official Kohama v. GEICO settlement website (kohama2026settlement.com), as of September 12, 2026. Last Updated: September 12, 2026.

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.