Equifax denies any wrongdoing
Equifax is full of BS. They exposed millions of social security numbers, names, addresses, incomes and birth dates to the world, and the people affected will need to spend the rest of their lives knowing that they are exposed to identity theft and credit fraud. That's worth a lot more than $125 to every single person who was affected by Equifax's complete failure to secure private data. They deserve to be sued out of existence, and their execs need to be facing criminal charges. The US government needs to pass laws which make breaches of data privacy a matter of life and death for corporations which insist on collecting and trading vital private information about us. The EU-GDPR gets the punishments right - in the EU, Equifax would be preparing for dissolution right now. In the US, they're preparing to take some FTC swamp-dwellers to dinner.
$125 or 10 years of credit monitoring - and in exchange we sign away any right to further compensation if some criminal in Turkmenistan assumes our identity and destroys our lives. Pathetic.
If you make a claim under the settlement, or if you do nothing, you will be releasing all of your legal claims relating to the Data Breach against Equifax when the settlement becomes final. By releasing your legal claims, you are giving up the right to file, or to continue to pursue, separate legal claims against or seek further compensation from Equifax for any harm related to the Data Breach—whether or not you are currently aware of those claims.