Plaintiff Marlene Steinberg (“Plaintiff”) filed a class action lawsuit against CoreLogic Credco, LLC (“Defendant”) alleging the Defendant violated the Fair Credit Reporting Act (“FCRA”) by including a deceased notation on her consumer report when she was in fact alive.

Defendant denies it violated the FCRA.

The Court has not made any determination whether Defendant violated the FCRA. Nor has the Court made any determination that this lawsuit should proceed as a class action, as opposed to an individual claim brought by Plaintiff. The Notice should not be interpreted as an expression of the Court’s opinion on the merits of the lawsuit. If the Parties had not reached a settlement, Defendant would have vigorously defended the lawsuit and moved for judgment in its favor, and it also would have opposed any attempt to have this case certified as a class action.

The Settlement Class is defined to include: all persons residing in the United States of America (including its territories and Puerto Rico) who were the subject: (1) of a consumer report resold by Defendant to a third party within the time period of January 1, 2021 and continuing through May 2, 2023, (2) where the consumer report contained a notation that the consumer was deceased, and (3) either one or two of the nationwide consumer reporting agencies (Experian, Trans Union and Equifax) provided information to Defendant that did not include a deceased notation.

Now that the Settlement has become final, a $5,695,000 Settlement Fund will be used to make cash payments to the Settlement Class Members, pay the attorneys’ fees requested by Class Counsel, to pay a service award to the Plaintiff/Class Representative, and to pay for the costs of notice and administration of the Settlement Class.

If the Settlement is approved in full, each Automatic Payment Class Member and Claim Form group Class Members who returns a timely and valid Claim Form will receive a settlement payment.

Depending on the final number of participating Class Members and after deduction of the requested amounts to be approved by the Court to be paid from the Settlement Fund for fees, costs, and a service award, it is estimated that each Class Member will receive approximately $607.00.

The Court has approved lawyers to represent the Settlement Class (“Class Counsel”). The attorneys who have been appointed by the Court to represent the Settlement Class are:

Subject to Court approval, Class Counsel will seek attorneys’ fees in the amount of 25% of the Settlement Fund ($1,423,750) and reimbursement of their out-of-pocket expenses.

Class Counsel may also seek a service award in an amount not to exceed $7,500.00 to be paid to Plaintiff/Class Representative for her services in representing the Settlement Class.

The attorneys’ fees, costs, service award, and settlement administration expenses will be paid from the Settlement Fund, if approved by the Court.

You had three options. You could have (1) remained in the Class, or (2) excluded yourself (i.e., “opt outed”) from the Settlement, or (3) remained in the class and objected to the Settlement.

You did not have to take any action to remain in the Settlement Class.

If you remained in the Class, you will not be able to pursue claims against Defendant that are covered by the Settlement’s release. All the Court’s decisions regarding the Settlement will apply to you and you will be bound by any judgment entered. 

If you remained in the Settlement Class, and you are in the Automatic Payment group, then you will receive a monetary settlement payment if the Court grants final approval of the Settlement.

If you remained in the Settlement Class and you are in the Claim Form group, you must have returned a timely and valid Claim Form in order to receive a monetary settlement payment if the Court grants final approval of the Settlement. The deadline to file a Claim Form was January 5, 2024 and has passed.

If you excluded yourself from the Settlement Class, you will not receive any money from the Settlement. You will not be bound by any of the Court’s orders regarding the Settlement Class, or any judgment or release entered regarding the Settlement Class. You will retain any legal rights you may have against Defendant.

You will be responsible for the fees and costs of any future services provided by your own lawyer.

If you wished to be excluded or “opt out” of the Settlement Class, then you must have mailed a written request for exclusion addressed to the Settlement Administrator at Credit Report Settlement, c/o JND Legal Administration, P.O. Box 91468, Seattle, WA 98111. Your request for exclusion must have been in writing, signed by you, and postmarked on or before January 5, 2024. The request must have stated: “I do not want to be part of the Class in Steinberg v. CoreLogic Credco.”

The request for opt-out/exclusion must also have been dated and included your name, address, telephone number. The address you use on your exclusion request should have been the address to which the Notice was mailed. If you have a new address, please also inform the Administrator of the new address so they can update the appropriate records. If you excluded yourself, you are not eligible to receive a payment.

If you objected according to the steps in FAQ 10, the Court will consider your objection. If it overrules your objection, you will be bound by the Court’s decision, and you will remain a part of the Settlement Class.

You may have objected to all or part of the Settlement if you think it is not fair, reasonable and/or adequate for any reason.

To object, you must have submitted to the Settlement Administrator at Credit Report Settlement, c/o JND Legal Administration, P.O. Box 91468, Seattle, WA 98111, a written explanation of the reasons you think that the Court should not approve the Settlement. You should have signed the letter and included your name, address, and the basis of your objection including any documentation, and included a notation that it is for “Steinberg v. CoreLogic Credco.” The deadline to postmark an objection to the Settlement Administrator was January 5, 2024. If you are represented by counsel in your objection, you must have included that attorney’s information with your objection.

Money from the Settlement Fund will be paid to some Class Members automatically, while other Class Members were required to make a Claim in order to receive a payment. Your mailed or emailed notice will tell you whether you were required to make a claim. If you are unsure whether you had to make a claim, you may contact the Settlement Administrator to find out which group you are in. The settlement administrator may be reached by phone at 1-888-256-6149, by email at info@CreditReportSettlement.com, or by mail at Credit Report Settlement, c/o JND Legal Administration, P.O. Box 91468, Seattle, WA 98111.

If you are part of the Claim Form group and eligible to receive payment, then you must have completed and returned a Claim Form by January 5, 2024. The deadline to file a Claim Form has passed.

Precise details about which Class Members are required to make Claims is included in the full Settlement Agreement, which is available on the Important Documents page.

The Court will hold a Final Fairness Hearing on April 8, 2024, at 10:30 a.m. PST at 333 West Broadway, San Diego, CA 92101. The purpose of the hearing was for the Court to determine whether to approve the Settlement as fair, reasonable, adequate, and in the best interests of the Class; to consider the Class Counsel’s request for attorneys’ fees and expenses; and to consider the request for a service award to the Class Representative. At that hearing, the Court was available to hear any objections and arguments concerning the fairness of the Settlement. The Court approved the Settlement and released an Order on April 9, 2024, which can be viewed on the Important Documents page of the Settlement website

Review the additional documents available on the Important Documents page including the Complaint, and the full Settlement Agreement. You may also contact the Settlement Administrator by phone at 1-888-256-6149, by email at info@CreditReportSettlement.com, or by mail at Credit Report Settlement, c/o JND Legal Administration, P.O. Box 91468, Seattle, WA 98111.