Consumers who disputed a hard inquiry on their Equifax credit file between October 4, 2016 and March 27, 2026 may qualify to claim an estimated $100 to $400 from the $30 million Equifax hard inquiry dispute class action settlement. Claims close November 29, 2026, and the final approval hearing is set for December 10, 2026.
Current Status
Claims are open. The claim deadline is November 29, 2026; the notice does not specify a time zone. The court has preliminarily approved the settlement and scheduled the final approval hearing for December 10, 2026, and no payments will be made until final approval is granted and any appeals are resolved. Class members identified from Equifax's records were sent a notice with a Claim Number and PIN, and they need to file a claim to be paid.Free settlement alerts
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What Changed Recently?
Equifax Information Services LLC agreed to a $30 million settlement that resolves four class actions over how it handled consumers' disputes of hard inquiries: Hines v. Equifax in the Eastern District of New York, Rivera v. Equifax and Neubauer v. Equifax in the Northern District of Georgia (Neubauer was transferred there from Oregon), and Oblack v. Equifax in New Jersey. The court overseeing Hines preliminarily approved the settlement, notices went out to class members, and the claim window is now open.A hard inquiry is the entry a credit bureau records when a lender pulls a consumer's report after a credit application. The plaintiffs allege that when consumers disputed inquiries they said were made without a permissible purpose, Equifax did not contact the company that pulled the report or remove the inquiry, and instead sent some consumers a letter saying inquiries are a factual record of file access and to contact the creditor. They claim this violated the Fair Credit Reporting Act and similar New York and New Jersey laws. Equifax denies the allegations and denies any wrongdoing, and no court has decided who is right.
Who Qualifies?
The settlement class, about three million people, covers U.S. residents whom Equifax's records place in one of two groups:- Certified Group (about one million people): Equifax received a mailed letter disputing one or more hard inquiries between October 4, 2016 and March 27, 2026, coded the dispute as "not mine" or "unauthorized," and sent back a response containing the "inquiries are a factual record of file access" language.
- General Dispute Group: Equifax received one or more disputes of a hard inquiry, by any method, between August 31, 2021 and March 27, 2026.
A New York Subclass of about 35,000 people sits inside the Certified Group: people with a New York address who were sent that response between November 27, 2017 and September 10, 2024. Some New York Subclass members already received a notice about the Hines case in August or November 2025.
Membership is determined from Equifax's records, not by self-identification. Logging in with the notice's Claim Number and PIN shows which group a class member is in.
How Much Can You Get?
Payments are pro rata shares of what remains of the $30 million fund after administration costs and any court-approved attorneys' fees (up to $10 million), litigation expenses (up to $260,000) and service awards to the class representatives (up to $60,000 in total). Class counsel's estimates, based on typical claims rates in similar cases, are:- General Dispute Group: about $100
- Certified Group: about $300
- New York Subclass: about $400
These are estimates, not fixed amounts. The actual payments depend on how many people file valid claims and may be lower or higher. The distribution plan in the settlement agreement gives priority to the Certified Group and a preferred payment to the New York Subclass.
What Proof or Notice ID Is Required?
No receipts or credit reports are required, but the online claim form opens only with the Claim Number and PIN printed on the mailed or emailed notice, entered exactly as shown. A paper claim form is also available through the settlement website.Either way, the claimant signs under penalty of perjury and must check at least one of two statements: that Equifax's handling of the dispute caused an economic loss, a loss of privacy or other negative consequences, or that a credit denial was based at least in part on an inquiry disputed with Equifax. A form without a checked box does not qualify for payment.
What Is the Deadline?
Claim forms must be submitted by November 29, 2026. The notice gives a date only, with no time zone. The deadline to exclude yourself or object is November 20, 2026, and a Notice of Intention to Appear at the hearing must be received by November 26, 2026.How Do You Take Action?
File on the official claim form: enter the Claim Number and PIN from the notice, complete the certification, and sign. Class members can choose an electronic payment on the settlement website; otherwise a check is mailed to the address on the claim form. Anyone who believes they are a class member but did not receive a notice can reach the administrator through the contact page on the settlement website.Class members who want to keep the right to sue Equifax on their own over the disputed inquiry must send a written exclusion request to the administrator by November 20, 2026. Excluded class members receive no payment. Class members who do nothing receive no payment and still give up their claims.
What Happens Next?
Magistrate Judge Joseph A. Marutollo of the U.S. District Court for the Eastern District of New York is scheduled to hold the final approval hearing on December 10, 2026 at 10:00 a.m. in Brooklyn; the hearing may be moved or held virtually without further notice. Class counsel's fee request is due to be posted on the settlement website by October 20, 2026. Payments will be sent only after final approval and the resolution of any appeals. No payment date has been announced.Sources and Verification
- Official settlement website — Hines v. Equifax Information Services LLC
- Court-approved notice and FAQs
- Online claim form
- Settlement agreement and court documents
Questions
I disputed a hard inquiry with Equifax but never got a notice. Can I still file?
The online claim form only opens with the Claim Number and PIN printed on the mailed or emailed notice, and class membership is determined from Equifax's own dispute records. Anyone who believes they are a class member but has no notice should use the contact page on the official settlement website to ask the administrator to check.
Why do some class members get more than others?
Courts had already certified classes in the Hines and Rivera cases, so the people covered by those certified classes (the Certified Group) are treated as having stronger claims and receive a larger share. New York Subclass members have an additional New York state-law claim and receive the most. The General Dispute Group, drawn from the two cases that were never certified, receives the smallest share.
Does the claim form ask me to certify anything?
Yes. The claimant signs under penalty of perjury and must check at least one statement: that Equifax's handling of the dispute caused an economic loss, a loss of privacy or other negative consequences, or that a credit denial was based in part on the disputed inquiry. A form without a checked box does not qualify for payment.
Will the settlement remove the disputed inquiry from my Equifax report?
The notice describes a cash settlement fund; it does not describe any change to individual credit files. Class members who stay in the settlement release claims related to the inquiry they disputed, so anyone who wants to pursue that inquiry individually must exclude themselves by November 20, 2026.
