Hill-Green v. Experian Information Solutions, Inc.
Fraud Shield Settlement
3:19-cv-708-MHL (E.D. Va.)

Welcome to the Rule 23(b)(3) Money Class Settlement Website

Important Update:  The Settlement received Final Approval from the Court on March 2, 2023. 

Settlement payments to Money Settlement Class Members who submitted valid Claim Forms began issuing on May 17, 2023. Settlement payment checks are void if not deposited within 90 days after the check issue date.

Did Experian Say Your Address Was High-Risk or Non-residential When Providing Your Credit Report?


You Could Get Money from a Class Action Settlement


  • There is a proposed expansion of the previously approved Settlement in a class action lawsuit against Experian Information Solutions, Inc. ("Experian"). The lawsuit claims that Experian did not take steps to make sure it accurately reported certain Fraud Shield Indicators.
  • Specifically, the lawsuit alleges that Experian violated the Fair Credit Reporting Act when it: (1) incorrectly reported some consumers' residential addresses as high-risk or non-residential, (2) did not have procedures to make sure that it reported Fraud Shield Indicators accurately (or correctly), and (3) did not stop reporting adverse information (that hurts your creditworthiness) after seven years. Experian denies it did anything wrong. The Court has not decided whether either side is right or wrong.
  • On April 27, 2022, the Court approved a Settlement in this class action that resulted in Experian making certain changes to its business practices. However, that Settlement did not resolve all class claims brought against Experian. After further negotiations, the parties agreed upon additional changes to Experian's business practices and resolution of money damages claims.


Who is a Rule 23(b)(3) - Money Settlement Class Member?

  • You may be eligible for a payment from the Settlement if:
  1. you were likely affected by Experian's reporting of certain Fraud Shield Indicators from July 1, 2018 through July 31, 2021; or
  2. if you, from July 1, 2018 to July 31, 2021, contacted Experian to inquire about and/or dispute a non-residential or high-risk address indicator.


What does the Settlement Provide?

  • The Settlement will provide $22,450,000 to pay:
  1. money to eligible Class Members;
  2. any court-approved attorneys' fees and expenses;
  3. a Class Representative service payment; and
  4. administrative and notice costs.

    Anyone who was not affected by Experian's Fraud Shield reporting or who did not dispute a non-residential or high-risk address indicator is not eligible to receive any money.
  • Money Settlement Class Members are estimated to each receive between $300 and $900. The precise amount of payment will depend on the number of individuals that submitted valid claim forms and what the Court decides to award for the Class Representative service payment, attorneys' fees and expenses, and administration and notice costs.
  • Money Settlement Class Members will also benefit from the additional changes Experian will make to its business practices if the Settlement is approved. The Expanded Settlement requires Experian, at its expense, to design, implement, and maintain specific and substantial procedures that address the lawsuit's concerns about how Experian handles non-residential data and reports Fraud Shield Indicators.
  • The deadline to file a Claim Form passed on January 30, 2023.
  • The full notice is available by viewing the Long Form Notice. Please read the Notice carefully, as it explains the lawsuit and your legal rights.

Your legal rights and options in the settlement


Get a cash payment if you qualify. If you previously contacted Experian about the Fraud Shield reporting and you were affected or harmed by the reporting, you will have the option to have your current address no longer be reported as a non-residential or high-risk address.

For more information about submitting a claim, see FAQ 10.

Class Members who submit a claim give up their rights to sue the Defendants about the claims in this case.

January 30, 2023 (Passed)

Write to the Court about why you do not like the proposed Settlement. 

For more information about objecting to the Settlement, see FAQ 18

January 30, 2023 (Passed)

Ask to exclude yourself from the proposed Settlement. You will not receive a payment from the Settlement. If the Settlement is approved, you will keep your right to sue Experian for actual damages on your own.

See FAQ 13, FAQ 14, and FAQ 15.

February 13, 2023 (Passed)

Ask to speak in Court about the fairness of the proposed Settlement. 

For more information about the Fairness Hearing, see FAQ 20, FAQ 21, and FAQ 22

March 1, 2023 at 11:00 a.m., Eastern (Passed)

You will not receive a payment from the Settlement. If the Settlement is approved, you will give up any rights to sue Experian about the same legal claims in this Settlement.

See FAQ 12.


For More Information

Visit this website often to get the most up-to-date information.


Fraud Shield Settlement
c/o JND Legal Administration
PO Box 91215
Seattle, WA 98111

Mail to Opt-Out
Fraud Shield Settlement 
c/o JND Legal Administration
PO Box 91203
Seattle, WA 98111