Question 1

Why is there a notice?

Accepted Answer

A court ordered that the notice
[https://angeion-public.s3.amazonaws.com/www.duplicateaccountfcrasettlement.com/docs/Equifax+Bradberry_Long+Form+Notice.pdf]
be provided because you have a right to know about the proposed Settlement of
this class action lawsuit and its effect on you. The notice explains the
lawsuit, the Settlement, and your legal rights.

Judge Michael L. Brown, of the United States District Court for the Northern
District of Georgia, is overseeing this case Bradberry v. Equifax Information
Services, LLC, Case No. 1:22-CV-04754-MLB. The person who sued—Charmayne
Bradberry—is the Plaintiff. Equifax Information Services, LLC (“Equifax”) is the
Defendant.

Question 2

What is this case about?

Accepted Answer

Charmayne Bradberry has alleged that Equifax violated the FCRA based on her
allegation that Equifax reported inaccurate information by reporting the same
collection account more than once on her Equifax consumer report. Plaintiff
asserts that Equifax’s actions violated section 1681e(b) of the FCRA, which
requires Equifax to follow “reasonable procedure to assure the maximum possible
accuracy” of information contained in consumer reports.

You can review the complaint and other documents filed in this lawsuit on the
Important Documents page [/important-documents].

Question 3

Why is this a class action?

Accepted Answer

In a class action lawsuit, one or more people called the “Class Representative,”
in this case Charmayne Bradberry, sue on behalf of other people who have similar
claims.  All of the people together are called a “Class” or “Class Members.” The
consumer reporting agency she sued, Equifax, is called the Defendant.  One court
resolves the issues for everyone in the Class, except for those people who
choose to exclude themselves from the Class.

Question 4

Why is there a Settlement?

Accepted Answer

The Court has not decided whether Equifax has violated the law, nor how much
money, if any, should be awarded to the class.  Instead, the two sides have
agreed to a Settlement.

Equifax has denied and continues to deny Plaintiff’s allegations, that the case
can proceed as a class action, that it has violated the FCRA, or that it engaged
in any wrongful acts.  Nevertheless, the parties agreed to settle the Litigation
solely for the purpose of avoiding the further expense, inconvenience and
distraction of burdensome and protracted litigation and to obtain the release,
order and judgment contemplated by the Settlement.

Question 5

Who are the Settlement Class Members?

Accepted Answer

If you received notice of the Settlement from a postcard or email addressed to
you, then according to Equifax records, you are a member of the Settlement Class
based on the fact that it mailed a letter informing you that you may have had a
duplicate collection account reflected in your Equifax file at the same time
there was an inquiry on your file (the “Duplicate Reporting Letter”) in August
or September 2022.

There are approximately 37,000 members of the Settlement Class.

FAQs

BASIC INFORMATION

WHO IS PART OF THE SETTLEMENT?

THE SETTLEMENT BENEFITS

EXCLUDING YOURSELF FROM THE SETTLEMENT

THE LAWYERS REPRESENTING THE ENTIRE SETTLEMENT CLASS

OBJECTING TO THE SETTLEMENT

THE FINAL APPROVAL HEARING

IF YOU DO NOTHING

GETTING MORE INFORMATION

BASIC INFORMATION

1. Why is there a notice?

2. What is this case about?

3. Why is this a class action?

4. Why is there a Settlement?

WHO IS PART OF THE SETTLEMENT?

5. Who are the Settlement Class Members?

THE SETTLEMENT BENEFITS

6. What does the Settlement provide?

7. How much will my payment be?

8. When will I receive my payment?

9. What am I giving up if I participate in the Settlement?

EXCLUDING YOURSELF FROM THE SETTLEMENT

10. How do I exclude myself from the Settlement?

11. If I do not exclude myself, can I sue Equifax for the same thing later?

12. If I exclude myself, will I receive anything from the Settlement?

THE LAWYERS REPRESENTING THE ENTIRE SETTLEMENT CLASS

13. Do I have a lawyer in the case?

14. How will the lawyers be paid?

OBJECTING TO THE SETTLEMENT

15. How do I tell the Court if I do not like the Settlement?

THE FINAL APPROVAL HEARING

16. When and where will the Court decide whether to approve the Settlement?

17. Do I have to attend the hearing?

18. May I speak at the hearing?

IF YOU DO NOTHING

19. What happens if I do nothing at all?

GETTING MORE INFORMATION

20. How do I get more information?