Equifax $30 Million Credit Inquiry Dispute Claims Settlement

Equifax $30 Million Credit Inquiry Dispute Claims Settlement

Individuals who disputed a hard inquiry on their Equifax credit report may be eligible to claim a cash payment from a class action settlement.

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Thank you! Check your inbox for a welcome email.Oops! Something went wrong while submitting the form.William C. GendronEditor in ChiefPublishedSeptember 25, 2026 10:00 AMUpdatedSeptember 25, 2026Join the DiscussionIndividuals who disputed a hard inquiry on their Equifax credit report between Oct. 4, 2016, and March 27, 2026, may be eligible to claim approximately $100 to $400 from a class action settlement.

Equifax Information Services LLC agreed to pay $30 million to settle four class action lawsuits alleging it failed to properly investigate and respond to consumer disputes about hard inquiries on credit files. The lawsuits also claimed Equifax did not maintain reasonable procedures for such disputes or remove disputed inquiries from credit files as required by law.

Who can file a claim?

Certified group: All individuals residing in the United States and its territories for whom Equifax’s records show:

Equifax received a mailed letter disputing one or more hard inquiries between Oct. 4, 2016, and March 27, 2026.

Equifax coded the inquiry dispute as “not mine” (001) or “unauthorized” (383).

Equifax sent a document containing “Cons Comm 664” (such as a letter stating “inquiries are a factual record of file access”) in response.

General dispute group: All individuals for whom Equifax’s records show it received one or more disputes of a hard inquiry between Aug. 31, 2021, and March 27, 2026.

New York subclass: Individuals in the certified group with an address in New York who received a “Cons Comm 664” letter in response to a mailed dispute between Nov. 27, 2017, and Sept. 10, 2024.