GEICO Credit Reporting Settlement: Now Over $170 Each, Zero Opt-Outs

The GEICO credit reporting settlement now has a better number attached to it. On October 20, 2026 — the last day to opt out — class counsel filed their request for attorneys’ fees (Dkt. 75) in Kohama v. GEICO, and it contains two things the September notice did not. First, the automatic payments “are currently expected to be in excess of $170 each,” up from the notice’s “approximately $150.” Second, “the Settlement Administrator has confirmed that there have been zero requests for exclusion and zero objections submitted by Settlement Class Members.”

Nothing else about how you get paid has changed. There is still no claim form. The 6,358 people on GEICO’s class list are paid automatically if the court grants final approval at the hearing on January 14, 2027. The only deadlines left are October 31, 2026 to object and January 14, 2027 to choose a digital payment instead of a paper check. The motion asks Judge Theodore D. Chuang for $544,500 in fees, $9,698.02 in expenses and a $10,000 service award for the named plaintiff. GEICO denies the allegations, and the court has not ruled on the merits.

The class is everyone who disputed a C.L.U.E. entry through LexisNexis between March 13, 2022 and May 1, 2026, was told the information came from GEICO, got back “unverifiable” or “accurate,” saw the entry stay on the report, and appears on “the Settlement Class List generated by Defendant.” The settlement agreement puts that list at 6,358 individuals. Everyone gets the same amount: the administrator divides what is left of the $1,585,000 Benefits Fund after fees, expenses and the service award by the number of class members “whose Notice is not returned as undeliverable” and who did not opt out. Notice and administration costs come out of a separate $65,000 fund.

Here is the arithmetic, which is ours. If the court approves the full request, the pool is $1,585,000 − $544,500 − $9,698.02 − $10,000 = $1,020,801.98. Split among all 6,358 people, that is about $160.55 each. Counsel’s “in excess of $170” works only if fewer than about 6,005 people share the pool. That would mean a few hundred notices came back undeliverable. The motion does not explain its figure, though. The administrator’s formal report on the notice process is due after October 31.

The timing is set by the agreement. If nobody objects, the Effective Date is seven days after the final approval order. GEICO then funds the $1,585,000 within ten days, and the administrator issues payments “within twenty (20) days of the Effective Date.” So if the order were signed on January 14, payments would be due by about February 10, 2027 (our count). If anyone objects, the Effective Date moves to 35 days after final judgment, and later still if there is an appeal. Paper checks are void after 60 days. If at least $100,000 is left 30 days after the last check expires, people who cashed their first check get a second payment. Any remainder goes to Maryland Legal Aid. “No portion of the Common Fund shall revert to Defendant under any circumstances.”

Yes, if it matches these details. The case is Kohama v. Government Employees Insurance Company, No. 8:24-cv-00743-TDC (D. Md.). The administrator is Continental DataLogix. The official site is Kohama2026Settlement.com, the phone number is (833) 215-9289, the email is questions@Kohama2026Settlement.com, and the mailing address is P.O. Box 16, West Point, PA 19486. Notices went by email to the last address in GEICO’s own records. People whose email bounced were sent a mailed notice. The administrator already has the class list from GEICO, so there is no claim form. On the site, the Notice ID and PIN are only used to update your address or pick a payment method. Treat any message that asks for a fee to release the money, or sends you anywhere other than that domain, as suspect. Call the number above to check.

Is there a class action lawsuit against GEICO? Yes, and this is one of them. Saki Kohama sued in federal court in Maryland. She claimed GEICO broke the Fair Credit Reporting Act “by failing to properly investigate disputes submitted to GEICO through LexisNexis regarding information on a C.L.U.E. report that did not belong to the consumer.” The settlement covers only those mixed-file C.L.U.E. disputes. It does not cover how GEICO pays accident claims, or whether a claim raises your premium. The class definition says nothing about either.

A C.L.U.E. report is a claims history that insurers pull when they quote a policy. LexisNexis Risk Solutions Inc., which keeps it, calls itself “a consumer reporting agency as defined under the Fair Credit Reporting Act.” That is why a wrong entry from GEICO, and GEICO’s handling of a dispute about it, can be a federal credit-reporting claim. The suit alleges that GEICO did not correct disputed information that did not belong to the person disputing it. Counsel compare the expected payment to the FCRA’s statutory damages range of $100 to $1,000 per person for willful violations.

If you are not on the class list but think someone else’s claim is on your file, this settlement cannot help you. You cannot join by filing anything. Instead, request your LexisNexis Consumer Disclosure Report through consumer.risk.lexisnexis.com. If an insurer sent you an adverse-action letter, call the LexisNexis Consumer Center at 1-800-456-6004 and dispute any entry that is not yours. What’s next in this case: the October 31 objection deadline, the administrator’s notice report, and the January 14, 2027 hearing. We will update this page when the court rules.