GEICO C.L.U.E. Report FCRA Class Action Settlement
GEICO C.L.U.E. Report FCRA Class Action Settlement
GEICO has agreed to a settlement of up to $1,650,000 resolving allegations that it violated the Fair Credit Reporting Act by failing to correct inaccurate C.L.U.E. report information it furnished to LexisNexis after consumers formally disputed it, leaving the bad data in place and allegedly driving up insurance rates. There is no claim form. People who filed qualifying disputes through LexisNexis between March 13, 2022 and May 1, 2026 are set to receive roughly $150 automatically, but class members must choose a payment method and confirm their address by January 14, 2027.
Settlement fund
$1,650,000
Common fund
Top payout
Automatic
No claim form. Estimated ~$150 per class member
Claim deadline
No claim form
Elect payment method by Jan 14, 2027
No claim form needed
Payment is automatic, but you must select a payment method and verify your address by January 14, 2027.
Do you qualify?
You are a Class Member if ALL of the following apply:
- You filed a dispute through LexisNexis between March 13, 2022 and May 1, 2026 about C.L.U.E. information that was incorrectly linked to you.
- LexisNexis sent you a response to that dispute identifying GEICO as the source of the disputed information.
- The information remained uncorrected after the dispute was processed.
- No claim form and no documentation are required. Payment is automatic, but you must elect a payment method and verify your address by January 14, 2027.
- Excluded: Anyone who timely opts out of the Settlement by October 20, 2026, and anyone who already released these FCRA claims.
Not sure if you qualify? Call the Settlement Administrator at (833) 215-9289. A C.L.U.E. report is a loss-history database report maintained by LexisNexis that insurers use to price auto and property policies.
What happened
Saki Kohama filed this class action in the United States District Court for the District of Maryland, alleging that GEICO violated the Fair Credit Reporting Act. The FCRA requires a company that furnishes information to a consumer reporting agency to conduct a reasonable investigation when a consumer disputes that information, and to correct or delete anything it cannot verify. The complaint alleges that GEICO furnished C.L.U.E. loss-history information to LexisNexis that was incorrectly linked to the wrong consumers, and that when those consumers disputed the entries through LexisNexis, GEICO failed to correct the records, leaving the inaccurate loss history in place where other insurers could see it and price policies accordingly.
GEICO denies the allegations and denies that it violated the FCRA, and the Court has not decided who is right. The parties agreed to settle to avoid the cost and risk of continued litigation. The settlement provides for a fund of up to $1,650,000, with payments made automatically to class members rather than through a claims process.
How to file a claim
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1. Confirm you are eligible
You qualify if, between March 13, 2022 and May 1, 2026, you filed a dispute through LexisNexis about C.L.U.E. information incorrectly linked to you, LexisNexis sent you a dispute response naming GEICO as the source, and the information stayed uncorrected. Class members were identified from LexisNexis and GEICO dispute records, so if you received a notice you are on the class list.
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2. Know what you will receive
The settlement fund is capped at $1,650,000. The notice estimates approximately $150 per class member after attorneys' fees of $549,945, litigation expenses of up to $10,000, a $10,000 service award to the Class Representative, and administration costs.
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3. No claim form: elect payment and confirm your address
There is no claim form, but this settlement is not entirely passive. You must select a payment method and verify your mailing address with the Settlement Administrator by January 14, 2027, or your payment can be delayed or lost. Use the instructions and unique ID in the notice you received, or call the Settlement Administrator at (833) 215-9289.
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4. Receive your payment
Payments are issued after the Court grants final approval at the January 14, 2027 hearing and the judgment becomes final, including the resolution of any appeals. No further action is needed once you have made your payment election.
Key dates
- Oct 20, 2026 Opt-out & objection deadline Upcoming
- Jan 14, 2027 Payment election deadline (no claim form) Upcoming
- Jan 14, 2027 Final Fairness Hearing (2:30 p.m. ET, Courtroom 2B, Greenbelt, MD) Upcoming
- TBD after final approval Payments issued to claimants Pending
The Final Approval Hearing is scheduled for January 14, 2027 at 2:30 p.m. Eastern before the Honorable Theodore D. Chuang in Courtroom 2B of the United States Courthouse, 6500 Cherrywood Lane, Suite 245, Greenbelt, MD 20770. The date or time may change without further notice. The exclusion deadline is October 20, 2026 (mail to P.O. Box 16, West Point, PA 19486) and the objection deadline is October 31, 2026. The payment election deadline is January 14, 2027, the same day as the hearing.
Where the money is going
This is a common fund capped at $1,650,000. Attorneys' fees, litigation expenses, the service award, and administration costs all come out of the fund before per-person payments are calculated. Payments are distributed automatically to identified class members rather than through a claims process.
All amounts listed above are pending and subject to final court approval at the January 14, 2027 Final Approval Hearing. The Court may award less than the amounts requested. The ~$150 figure is the estimate stated in the class notice.
Common questions
How much money will I receive?
The notice estimates approximately $150 per class member. That comes out of a fund capped at $1,650,000, after requested attorneys' fees of $549,945, litigation expenses of up to $10,000, a $10,000 service award, and administration costs. Because payment is automatic and the class list comes from dispute records, the amount does not depend on how many people file.
Do I need to submit proof of purchase?
No. There is no claim form and no documentation required. Class members were identified from LexisNexis and GEICO dispute records. You do, however, need to select a payment method and verify your mailing address with the Settlement Administrator by January 14, 2027.
What if I didn’t receive a notice?
You may still be a Class Member. If you disputed C.L.U.E. information through LexisNexis between March 13, 2022 and May 1, 2026, received a LexisNexis dispute response naming GEICO as the source, and the information was not corrected, call the Settlement Administrator at (833) 215-9289 to check whether you are on the class list and to make your payment election.
Does staying in the class affect my right to sue later?
Yes. Unless you mail a request for exclusion postmarked by October 20, 2026 to P.O. Box 16, West Point, PA 19486, you will be bound by the Settlement and will release your FCRA claims against GEICO arising from the disputed C.L.U.E. reporting. If you have suffered substantial documented harm from the inaccurate reporting, such as a denial of coverage or a demonstrably higher premium, it is worth talking to your own lawyer before the opt-out date, since $150 is a statutory-damages-scale recovery rather than a measure of actual loss.
When will payments be sent out?
Payments are issued after the Court grants final approval at the January 14, 2027 hearing and the judgment becomes final. If anyone appeals, that can add a year or more. Make your payment election and confirm your address by January 14, 2027 so the Administrator can reach you.
Dapeer Law, P.A.
Consumer class action attorneys based in South Florida. We track settlements so you don’t have to.
Similar open settlements
This page is for informational purposes only and does not constitute legal advice. Dapeer Law, P.A. is not the administrator of this settlement and is not affiliated with Government Employees Insurance Company (GEICO), the Settlement Administrator (the Settlement Administrator), or Class Counsel James A. Francis and John Soumilas of Francis Mailman Soumilas, P.C. and Courtney Weiner of Law Office of Courtney Weiner PLLC. The case is Kohama v. GEICO, Case No. 8:24-cv-00743-TDC, pending in the United States District Court for the District of Maryland before the Honorable Theodore D. Chuang. Class representatives are Saki Kohama. GEICO denies wrongdoing. This website is attorney advertising. Past results do not guarantee future outcomes.