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There is a proposed settlement with Equifax Information Services LLC (“Equifax”) in a class action lawsuit about whether it violated the Fair Credit Reporting Act (“FCRA”). The Plaintiffs contend that Equifax violated Section 1681g(a)(1) of the FCRA, which requires consumer reporting agencies such as Equifax, upon request, to clearly and accurately disclose to the consumer all information in the consumer’s file (“Consumer Credit File”) at the time of the request. Plaintiffs contend that Equifax violated the FCRA by not clearly indicating the “date of first delinquency” in the Consumer Credit File.

Equifax contends that its files properly disclosed the “date of first delinquency” and that it acted in good faith and without intent to harm any Class Members.

For a more detailed explanation of the Settlement, view the Notice.

Legal Rights and Options:

Participate in the Settlement

If you want to be part of the settlement and receive settlement benefits, you do not need to take any action at this time. If you are a Class Member and did not ask to be excluded from the settlement (opt out) and the Court approves the settlement, you will receive a letter from the Settlement Administrator providing instructions on how to receive your benefits from the settlement.

Opt Out of the Settlement

The deadline to exclude yourself from the Settlement was November 25, 2009.

Object to the Settlement

The deadline to object to the Settlement was November 16, 2009.

Final Approval Hearing

The Court is scheduled to hold a Fairness Hearing at 9:30 a.m. on December 15, 2009, at the United States District Court for the Northern District of Illinois in Courtroom 2103 at Everett McKinley Dirksen United States Courthouse, 219 South Dearborn Street, Chicago, IL 60604. At the Fairness Hearing, the Court will consider whether the settlement is fair, reasonable, and adequate and should be granted final approval. If there are objections, the Court will consider them. Class Counsel will also ask the Court for approval of their request for attorneys’ fees, costs, expenses, and incentive awards to Class Representatives.

Please note the following important dates:
Date Case-Related Event
November 16, 2009
Objection Deadline
November 25, 2009
Opt Out Deadline
December 15, 2009
at 9:30 a.m.
Final Approval Hearing