How to Claim the Equifax $600 Settlement Payment

Yes, if you are an eligible class member and the filing window is still open, you can claim the Equifax duplicate-account settlement online through the official claim portal by using the Notice ID that begins with “EQB” and the PIN printed on your notice. The claim deadline is September 1, 2026, and the advertised “up to $600” is a maximum pro rata estimate, not a guaranteed payment for every filer. [1]

If you only need to confirm the live deadline, official portal, eligibility summary, and scam red flags before entering anything, use our verified Equifax class action claim deadline record. This guide is for the part that usually trips people up: getting from the notice to a submitted claim without using the wrong settlement site.

• Have your mailed postcard or email notice in front of you.
• Find the Notice ID beginning with “EQB” and the PIN.
• File online at duplicateaccountfcrasettlement.com/submit-claim, or mail the paper claim form.
• Choose a payout method: PayPal, Venmo, Zelle, virtual prepaid card, or paper check. [2]
• Submit online before the deadline or make sure a mailed claim is postmarked by September 1, 2026. [2]

Before you file, make sure this is the right Equifax settlement

This claim is for the Equifax duplicate-account settlement in Bradberry v. Equifax Information Services LLC, not the older Equifax data-breach settlement. The class is narrow: it covers living U.S. residents whom Equifax identified as having received a Duplicate Reporting Letter in August or September 2022. [3]

That is why the EQB Notice ID matters. The online form is not a general complaint form for anyone who has ever had an Equifax issue. It is an ID-gated claim process for people tied to this specific settlement notice.

File online if you have the EQB Notice ID and PIN

The online route is the cleanest path if your notice is in hand. Go directly to duplicateaccountfcrasettlement.com/submit-claim, enter the Notice ID and PIN from the notice, complete the requested claim information, select a payment method, and save the confirmation after submission. [1]

Do not treat a search result or social-media link as the starting point. The difference between a real claim portal and a look-alike page is not always obvious when you are moving quickly, and this form asks for claim-linked identifying information. Type the official address yourself or reach it from the official settlement website.

Where to find the ID and PIN

Look on the postcard or email notice for a Notice ID that begins with “EQB.” The PIN should be printed with it or near the claim instructions. Enter both exactly as shown. If a character is unclear, check whether it is printed elsewhere on the notice before trying repeated guesses.

A mistyped ID or PIN is not just a nuisance; it can keep you from reaching the claim form at all. If the portal rejects the information, slow down and compare the notice again before assuming you are not eligible.

Choosing the payout method

The listed payment options are PayPal, Venmo, Zelle, virtual prepaid card, and paper check. [2] Pick the method you can actually receive and monitor after approval. A fast digital option is not useful if it goes to an account you rarely check; a paper check is not useful if your mailing address is unstable.

Save proof that you filed

After you submit online, save the confirmation screen or confirmation email. Keep a copy of the notice too, at least until payment and credit-monitoring information have arrived. If a problem comes up later, “I think I filed” is much less useful than a confirmation number, screenshot, email, or saved PDF.

File by mail if you cannot or do not want to submit online

A paper claim is available, but the deadline is unforgiving in a different way: the mailed claim must be postmarked by September 1, 2026. [2] Put the date on your calendar as a mailing deadline, not a day to start looking for a printer.

Use the paper form from the official settlement materials and mail it to:

Bradberry v. Equifax, c/o Settlement Administrator, 1650 Arch St, Suite 2210, Philadelphia, PA 19103. [2]

Before sealing the envelope, check that the form is signed if a signature is required, the requested claim information is filled in, and your chosen payment method or mailing details are legible. If you mail close to the deadline, use a postal method that gives you a receipt or tracking record showing when you sent it.

If you lost the notice, do not invent an EQB number

If you cannot find the postcard or email, do not guess a Notice ID, do not reuse information from another Equifax settlement, and do not call the older breach-settlement phone number. Use the official duplicate-account settlement website’s contact or lookup path if one is available, and keep the request tied to this case.

This is also where scam risk tends to show up. A real settlement process should point you back to the official site and the settlement administrator’s published instructions. Be cautious with anyone who offers to “recover” your claim for a fee, asks for unrelated account credentials, or sends you to a domain that is not the official settlement site.

The $600 figure is a ceiling, not a promised check

The settlement is commonly described as offering up to $600, but the cash payment is pro rata. That means the final amount depends on how many valid claims are submitted and approved. [4]

This distinction matters before you spend the money in your head. Filing a valid claim preserves your chance at the cash benefit; it does not lock in a $600 payment. If many eligible people file, individual payments can be lower than the advertised maximum.

What happens after you submit

Payment is not immediate. The final approval hearing is scheduled for October 6, 2026, and payments are expected roughly 75 days after final approval. Credit-monitoring details are expected separately within 90 days. [2]

Every class member receives six months of Equifax Complete credit monitoring with up to $500,000 in identity-theft-related coverage, whether or not they file a cash claim. [5] The cash payment is the part that requires a valid claim submission by the deadline.

If you are thinking of the 2017 Equifax breach settlement

That was a separate Equifax matter. The Federal Trade Commission’s page for the 2017 data-breach settlement says the initial claim deadline was January 22, 2020, and the extended claims period ended January 22, 2024. [6] Do not use that settlement’s forms, phone number, or claim history to file this duplicate-account claim.

For another example of a step-by-step claim filing guide, see our Fidelity data breach claim guide. The documents change from case to case, but the practical checks are similar: use the official portal, match the ID information, submit before the deadline, and keep confirmation.

References

1. Duplicate Account FCRA Settlement, Official Settlement Website
2. Duplicate Account FCRA Settlement, Claim Depot
3. Equifax Customers: Claim $2M Class Action Settlement, CNET
4. Equifax's $2.2 million credit reporting settlement: Who qualifies?, Yahoo Finance
5. Equifax $2.2 million dollar settlement, USA Today, July 31, 2026
6. Equifax Data Breach Settlement, Federal Trade Commission