GEICO $1.65 Million C.L.U.E. Report Settlement: Automatic Payments of About $150, No Claim Form

The case is Kohama v. Government Employees Insurance Company, Civil Action No. 8:24-cv-00743-TDC, in the U.S. District Court for the District of Maryland before Judge Theodore D. Chuang. Plaintiff Saki Kohama alleges that GEICO reported inaccurate insurance claim information about her to LexisNexis Risk Solutions, that the information appeared on the C.L.U.E. (Comprehensive Loss Underwriting Exchange) reports car insurers use to price policies, and that it raised her car insurance rates.

She disputed the information through LexisNexis. The lawsuit claims GEICO violated the Fair Credit Reporting Act by failing to properly reinvestigate those disputes, correct the information, or flag it as disputed. Under 15 U.S.C. Section 1681s-2(b), a company that furnishes information to a consumer reporting agency must investigate a dispute it receives through that agency and correct, delete, or block information that is inaccurate or cannot be verified. A C.L.U.E. report is a consumer report, so the same rules that apply to a credit report dispute apply here. Our FCRA explainer walks through those duties.

GEICO denies the allegations, and the court has not decided who is right. The settlement is a compromise to avoid more litigation. It does not release any claims against LexisNexis, which is expressly carved out of the release in the settlement agreement.

The class is narrow and every part of the definition has to fit. According to the official notice, you are a class member only if all of the following are true:

• You filed one or more disputes through LexisNexis Risk Solutions between March 13, 2022 and May 1, 2026.
• You said the disputed information was wrongly linked to your C.L.U.E. report or reflected a mixed file, meaning it belonged to someone else.
• The information was not attributable to an insured or a member of your household.
• LexisNexis told you GEICO was the source, and that the information was "unverifiable" or "accurate."
• GEICO did not tell LexisNexis to correct or remove it, and it stayed on your report.
• You appear on the Settlement Class List that GEICO generated.

The class covers disputes filed over a roughly four year window, from March 13, 2022 through May 1, 2026, and only people on GEICO's class list are included. The settlement agreement anticipated a list of about 6,770 people. If you never disputed your C.L.U.E. report, or GEICO fixed the item after your dispute, you are not in this class. Being a GEICO customer is not required, and being one does not by itself qualify you.

The usual exclusions apply: GEICO and its affiliates, anyone who opts out on time, and the judge and court staff.

Every class member who does not opt out and whose notice was not returned as undeliverable receives the same automatic payment. The fund pays notice and administration costs, attorneys' fees, expenses, and a service award first, and the rest is split equally.

The official notice says payments are expected to be approximately $150 per class member. The court decides the final fees, so the exact figure can move. None of the money goes back to GEICO.

If at least $100,000 is left in the benefits fund 30 days after the last checks expire, the administrator will send a second payment to class members who cashed their first one, as long as that second payment would be at least $10. Anything left after that goes as a cy pres award to Maryland Legal Aid. Settlements trade a larger possible award for a certain one; our guide on why payouts are smaller than expected explains the trade-off.

You do not need to file anything. If the court grants final approval and the settlement becomes effective, the administrator issues payments within 20 days. What you can do now:

1. Find the notice you received by mail or email. It has your Notice ID and PIN.
2. Go to the Payment Election and Address Verification page on the official settlement website linked above.
3. Choose a digital payment, or confirm or update the mailing address for a paper check, by January 14, 2027.
4. Keep the notice and any confirmation until the money arrives.

Paper checks in this settlement become void 60 days after they are issued, which is shorter than the 90 to 180 days common in other settlements. If you make no election, a check goes to the address GEICO has on file, and money that cannot be delivered because of a bad address is forfeited. The settlement administrator is Continental DataLogix, reachable at (833) 215-9289 or by mail at Kohama v. GEICO Settlement, c/o Settlement Administrator, P.O. Box 16, West Point, PA 19486.

You will get a tax form only if the law requires one. See whether settlement money is taxable.

As of September 2026, the GEICO settlement has preliminary approval and the final approval hearing is set for January 14, 2027 at 2:30 p.m. in Courtroom 2B of the federal courthouse at 6500 Cherrywood Lane, Greenbelt, Maryland. Payments go out only after final approval and the end of any appeals. The website notes that dates can change, so check it before any deadline.

If you stay in, you release the claims raised in this case against GEICO and cannot sue it separately over them. To keep your right to sue GEICO yourself, you must mail a signed written request for exclusion to the administrator by October 20, 2026. If you opt out, you get no payment from this settlement.

Opting out can make sense for someone whose wrong C.L.U.E. entry led to a large premium increase, a denied policy, or other documented losses, because the FCRA allows actual damages and, for willful violations, statutory damages of $100 to $1,000 plus attorneys' fees. For most people an automatic payment of about $150 with no paperwork is the easier path. Our guide to opting out or objecting covers the trade-offs, and a free case review can connect you with independent attorneys who handle consumer report disputes if your losses were larger.

You can also stay in and object, for example to the one-third fee request, by writing to the administrator by October 31, 2026. You cannot both opt out and object.

The GEICO case sits in a larger wave of disputes over inaccurate consumer reports. Compare the Equifax credit reporting settlement and the TransUnion inaccurate report settlement. If an error on your credit or insurance report is still there, the steps in how to dispute a credit report error apply, and the credit report errors lawsuit page explains when an unfixed error may support a claim. For your payment, rely only on the official settlement website linked above.