Equifax credit score coding error settlement

For three weeks in spring 2022 a coding fault on one of Equifax's servers meant the credit scores and attributes it sent to lenders, insurers and other businesses differed from what they should have been. The court-approved notice defines the class as people whose affected information Equifax reported to a third party in connection with a covered transaction between March 17 and April 8, 2022, and says Equifax would pay $100,000,000 into a fund split equally among valid claims. If a company pulled your Equifax file in that window you may be eligible, and the deadline to file is December 28, 2026. Claiming on the official settlement site is free, and only the administrator and the court decide who is paid.

Official claim page

When the money moves

What the official materials say about the payment schedule for this settlement, and what the administrator has published since. Every figure below is linked to the page it was read from.

Expected

The notice says the court must grant final approval, at a hearing set for January 22, 2027, before the settlement takes effect and any payment can be made.

Read off the official notice, in its own words. These dates slip — an appeal can move a distribution by a year or more — so treat it as the administrator's plan rather than a schedule.

Source: the official notice ↗

Facts from the official materials

Status: Open
Type: Class-action settlement
Category: Credit
Defendant / company: Equifax Inc.
Administrator: Settlement Administrator (Equifax FCRA Litigation)
Claim deadline: December 28, 2026
Eligibility period: March 17, 2022 – April 8, 2022
States: See official notice (often nationwide)
Proof: No proof mentioned for the basic option
Possible amount: About $95–$280 (not guaranteed)
Source confidence: high
Last verified: October 3, 2026

Covered products and services

Equifax credit reports and credit scores

In re Equifax Fair Credit Reporting Act Litigation · 1:22-cv-03072-LMM-CCB · U.S. District Court, Northern District of Georgia

Equifax would pay $100,000,000 into a non-reversionary fund. Every valid claim takes an equal pro rata share of what is left after court-approved notice and administration costs and attorneys' fees — class counsel will ask for up to one third of the fund ($33,333,333) plus up to $500,000 in expenses. The notice puts the current estimate at roughly $95 to $280 and says plainly that the actual amount may be higher or lower, because it depends on how many people claim.

Important dates

Claim deadline: December 28, 2026
Opt-out deadline: November 27, 2026
Fairness hearing: January 22, 2027

Eligibility questions

These questions help you decide whether to read the official notice. They are not a legal determination.

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Related records

Records that share a company, category, or subject with this one. Each is still open, and filing on the official site is free.

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