The Equifax Fair Credit Reporting Settlement Notice Is Real: $100 Million, an Estimated $95 to $280 Per Claim, and an Online Form That Opens Only With the Claim ID and PIN From Your Notice. Claims Close December 28, 2026

The official website for the $100 million case is called EquifaxFairCreditReportingSettlement.com. That name is also, almost word for word, how people describe a different Equifax case that closed a month ago, and it is close to the name of a third one. If you have searched for the site and landed on pages about a $600 payment or a claim window that ended September 1, you were reading about the wrong settlement.

• The $100 million coding-error case (In re Equifax Fair Credit Reporting Act Litigation, No. 1:22-cv-3072-LMM-CCB) is the one whose notices are arriving now. Claims are open until December 28, 2026. This article is about this case.
• The $2.2 million duplicate-account case (Bradberry v. Equifax Information Services LLC, No. 1:22-cv-04754-MLB) offers up to $600 to about 37,000 people who received a letter in 2022. Its claim window closed on September 1, 2026; the final approval hearing is October 6, 2026, and nothing has been paid yet. Our page on that case stays up because its name keeps attracting the traffic meant for this one.
• The $30 million hard-inquiry dispute case (Hines v. Equifax, E.D.N.Y.) uses a Claim Number and PIN of its own and closes November 29, 2026; see our report.
• The 2017 data breach settlement closed to claims in January 2024.

Our own Search Console data shows why this matters: between September 28 and October 3, 2026, the phrase “equifax fair credit reporting settlement” put our pages in front of Google users more than 1,400 times, and the site's exact domain name, typed as a search, several hundred times more; most of those searches were being answered with our page about the closed Bradberry case. This article is the correction.

Yes. The site identifies the case by its full caption and docket number, lists the administrator's address as Equifax FCRA Litigation, P.O. Box 301132, Los Angeles, CA 90030-1132, phone 1-888-808-1542, email Info@EquifaxFairCreditReportingSettlement.com, and carries Verita's name in the footer; the claim form itself is hosted on Verita's portal at veritaconnect.com. The long-form notice says the court “ordered that notice be provided to members of the Settlement Class” and that “if you received an email or a mailed notice, then you received that notice because, according to Equifax’s records, you are a member of the group of people affected.”

We have not seen the email itself, so we cannot tell you what the sender line looks like. The safe route does not depend on it: type www.EquifaxFairCreditReportingSettlement.com into your browser yourself, click File Your Claim, and enter the Claim ID and PIN from the notice there. Nothing in the notice, the FAQ or the claim form asks for a fee or an online banking login; treat any message that does as unrelated to this settlement. The FAQ adds one line worth remembering: “Please do not contact Equifax or the Court for information.” Questions go to the administrator.

We opened the claim portal on October 5, 2026. It offers exactly one option: “I have a Claim ID and PIN, and I would like to securely file a claim online.” There is no “I did not receive a notice” button and no lookup by name or Social Security number. The paper claim form, dated September 23, 2026 in its file name, says the same thing in its instructions: “If you received direct notice of the settlement, the easiest way to submit your claim is online at www.EquifaxFairCreditReportingSettlement.com using the Claim ID and PIN printed above, or complete this form and mail it to the Settlement Administrator.” The paper form has a Claim ID field, asks for name, address and email, offers a mailed check as the only payment method (electronic payment is available only through the online form) and ends with a two-sentence signature block: that you are the person named and your address is accurate, and “I believe that I was harmed and wish to recover.” No documents, no account numbers, no proof of a denied loan.

That design follows from how the class is defined. You are a class member if Equifax's own “OMS Analysis” shows that a score or attribute it reported about you between March 17 and April 8, 2022 differed from what it should have been. That is a list Equifax holds, not something you can certify yourself into. The notice says the people on it are the people who were sent a notice. If you believe you applied for credit in those three weeks and got nothing, the administrator's number, 1-888-808-1542, is the only place to ask; a lookalike site offering to “check your eligibility” is not.

The settlement class, quoted from the notice: “All individuals in the United States for whom a credit score or credit attribute that differed from what it would have been absent the OMS Issue, according to the OMS Analysis, was reported by Equifax to a third party in connection with a Class Transaction. The term ‘OMS Issue’ means a computer coding issue that Equifax experienced between March 17, 2022 and April 8, 2022.” Excluded are Equifax, its affiliates, employees, officers, directors and the judges on the case.

The notice says the people who sued allege that Equifax provided “inaccurate credit information about millions of Americans applying for loans, insurance, or services from other businesses that use credit information.” Class counsel's own announcement in August put the number at about four million people. Nothing in the settlement turns on whether a particular application was denied or priced higher: a class member whose mortgage went through on the wrong score gets the same share as one whose car loan was refused.

The notice is unusually plain about this: “Every Class member who submits a valid and timely Claim Form will receive an equal (pro rata) share of the Net Distribution Amount … Because each payment depends on how many valid claims are submitted, the exact amount is not yet known. Based on typical claims rates in similar cases, Plaintiffs currently estimate payments at approximately between $95 and $280, but the actual amount may be higher or lower.”

Class counsel will ask for fees of up to one-third of the fund, $33,333,333, plus up to $500,000 in expenses. That leaves $66,166,667 before notice and administration costs, which have not been published. Our arithmetic on that figure:

Administration costs come off the top before any of these, so the real figures are somewhat lower. The fund is non-reversionary: whatever is not paid out does not go back to Equifax, which is why a low claim rate pushes the per-person figure up rather than leaving money on the table.

Opting out must be done by mail, personally signed; the FAQ says “no third-party or company can complete an opt-out for you.” Objectors may still file a claim; people who opt out may not object.

• You have a notice: go to www.EquifaxFairCreditReportingSettlement.com, choose File Your Claim, enter the Claim ID and PIN, pick an electronic payment if you want one, and keep the confirmation. It takes minutes and there is nothing to attach.
• You have a paper notice and no computer: fill in the Claim ID, name, address and email on the mailed form, sign it and post it to P.O. Box 301132, Los Angeles, CA 90030-1132 so it is postmarked by December 28, 2026. Payment will be a mailed check.
• You have no notice: call 1-888-808-1542 or write to Info@EquifaxFairCreditReportingSettlement.com. Do not use any other site's “eligibility check.”
• You were looking for the $600 case: that window closed on September 1, 2026; the hearing is October 6. Details on our Bradberry page.

Our full case page for this settlement, with the scam checklist and every date, is the Equifax $100 million credit score error settlement tracker.