Equifax Duplicate Account FCRA Settlement: Claims Closed

At a glance

Status

Pending final approval

Defendant

Equifax Information Services LLC

Settlement fund

$2,200,000

Claim deadline

September 1, 2026

No-proof cash option

Yes — 6 months Equifax Complete credit monitoring (automatic), or up to cash payment up to $600 with valid claim

Max documented payout

$600

Administrator

Angeion Group

Official site

www.duplicateaccountfcrasettlement.com

Court

U.S. District Court, Northern District of Georgia

Case number

1:22-cv-04754-MLB (Bradberry v. Equifax Information Services LLC), No. 1:22-cv-04754-MLB

Last verified September 9, 2026

Key dates

Milestone	Date	What it means
Claim deadline	September 1, 2026(passed)	Last day to file for a payment
Opt-out (exclusion) deadline	September 1, 2026(passed)	Last day to leave the settlement and keep the right to sue
Objection deadline	September 1, 2026(passed)	Last day to object to the terms
Final approval hearing	October 6, 2026	When the judge decides whether to approve the settlement
Expected payout	Not yet scheduled	Payments are not sent until after final approval and any appeals

Where to file

Equifax Duplicate Account FCRA Settlement is administered by Angeion Group. The only place to file is the official settlement website:

Verify on the official site

www.duplicateaccountfcrasettlement.com

Filing is free. No legitimate settlement charges a fee to file a claim.

You cannot file on RecordingLaw.com. We are an independent publisher, not the settlement administrator, and we are not affiliated with any court, agency, or defendant.

What happened

Equifax Information Services LLC is accused of sending duplicate collection-account reporting letters to certain consumers in August and September 2022. The lawsuit, styled Bradberry v. Equifax Information Services LLC, is pending in the U.S. District Court for the Northern District of Georgia, case No. 1:22-cv-04754-MLB.

This is not a data breach. Nobody hacked Equifax or stole files. The claim is about how Equifax generated and sent collection-account letters, allegedly duplicating notices in a way that made a debt appear on a consumer's file more than once, an alleged violation of the Fair Credit Reporting Act (FCRA), the federal law that governs how credit reporting agencies must handle and report consumer information. Equifax has not admitted wrongdoing, and the settlement resolves the claims without a trial.

Where the case stands right now

As of September 9, 2026, this settlement's claims window has closed. The claim deadline, the deadline to exclude yourself from the class (opt out), and the deadline to object were all the same date, Sept. 1, 2026, and all three have passed. Opting out and objecting were different actions: opting out removed you from the class and any settlement benefit, while objecting kept you in the class while telling the court you disagreed with its terms. Both shared the Sept. 1, 2026 deadline.

The court has scheduled a final approval hearing for Oct. 6, 2026 at 10:00 a.m., in Courtroom 1906 of the U.S. District Court for the Northern District of Georgia in Atlanta. Until the judge grants final approval at or after that hearing, no payments go out, so there is no payment date to report yet.

Who is in the class

The class is specific and easy to test yourself against: roughly 37,000 individuals nationwide who received a duplicate collection-account reporting letter from Equifax in August or September 2022. If you did not receive such a letter in that two-month window, you are not likely part of this settlement.

Equifax or the settlement administrator, Angeion Group, should have mailed or emailed a notice to class members. That notice carries a Notice ID beginning with the letters 'EQB' along with a PIN, both of which are needed to file a claim online. If you believe you are a class member but cannot find your notice, the official settlement site has a lookup tool rather than a general customer service line documented here.

How much you could get

The realistic outcome for most class members is the automatic benefit: 6 months of Equifax Complete credit monitoring, which requires no claim form and no action. It is applied automatically to eligible class members who do not opt out.

Class members who wanted cash instead of monitoring had to file a claim by Sept. 1, 2026, capped at up to $600. That $600 figure is a ceiling, not a typical payout. The settlement draws from a common fund, so the actual per-claimant amount depends on how many people file valid claims and what the court approves for attorneys' fees and costs, and it is adjusted pro rata across everyone who claims. Most people who file will get less than the maximum, and no specific dollar amount is guaranteed to any individual claimant.

A free credit freeze at all three major credit bureaus is stronger protection than either option here, and it costs nothing regardless of whether you file a claim, so it is worth doing first no matter what you decide about the settlement itself.

What proof is needed

No proof is needed to receive the automatic 6 months of credit monitoring. It is applied without a claim form to class members who do not exclude themselves.

Requesting the cash payment instead required filing a claim with the Notice ID and PIN from the settlement notice, and that window closed Sept. 1, 2026. The $600 figure sits under a documented-loss framework, so the claim form may ask you to describe or support the impact of receiving the duplicate letter. The exact documentation requirements are set out on the claim form itself, not summarized here, since the record does not spell out every field.

How to file

Filing happened only through the official settlement website, using the Notice ID and PIN from the mailed or emailed notice, and that window closed Sept. 1, 2026. The same official site is where a filed claim can be checked. There is no filing process on RecordingLaw, and nobody should ask you to submit personal financial information anywhere else in connection with this case. If a text message, email, or phone call claims to be collecting your claim information for this settlement outside the official channel, treat it as a phishing attempt, not the real process. Because the class list here is built from people who already received a specific duplicate-letter notice from Equifax, a message referencing 'the Equifax settlement' that does not match your actual notice details is a red flag worth ignoring.

If you did not get a letter, or want to protect yourself either way

If you never received a duplicate collection-account letter from Equifax in August or September 2022, you are not part of this specific class, but duplicate or inaccurate items on a credit report can happen outside this case too. The Consumer Financial Protection Bureau (CFPB) explains how to dispute an error on your credit report directly with the credit bureau and the company that furnished the information.

Whether or not you are in this settlement, a free credit freeze at all three major bureaus, Equifax, Experian, and TransUnion, blocks new accounts from being opened in your name and costs nothing to place or lift. The Federal Trade Commission (FTC) has a plain-language guide to credit freezes and fraud alerts. If you ever suspect identity theft, IdentityTheft.gov is the federal government's free recovery-plan tool, and it is worth checking your existing accounts and credit reports periodically regardless of this case.