DAVID WALKER, MELISSA ROSS, and BENJAMIN WILSON v. INFLECTION RISK SOLUTIONS, LLC

The Court has scheduled a final approval hearing for July 25, 2025 at 3:00 pm. Your deadline to opt-out of the Settlement, or object to the Settlement, is May 21, 2025. If you are part of the SOR Reports or Name & DOB Match Groups, then you must complete and return a Claim Form by May 21, 2025.  

Plaintiffs David Walker, Melissa Clark, and Benjamin Wilson (“Plaintiffs”) filed a class action lawsuit against Inflection Risk Solutions, LLC (“Defendant”) alleging the Defendant violated the Fair Credit Reporting Act (“FCRA”) and similar provisions of California law by including criminal record or sex offender registry information on their consumer reports that did not belong to them.

Defendant denies it violated the FCRA or any other law but has agreed to settle to avoid the uncertainties and expenses associated with continuing the Action.

The Court has not made any determination whether Defendant violated the FCRA or any other law. Nor has the Court made any determination that this lawsuit should proceed as a class action, as opposed to an individual claim brought by Plaintiffs. This 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, including but not limited to by arguing that Plaintiffs or Settlement Class Members were bound to individually arbitrate their claims.

If Settlement is finally approved, a $1,765,000 Settlement Fund will be used to make cash payments to the Settlement Class Members, pay the attorneys’ fees and costs requested by Class Counsel, to pay service awards to the Plaintiffs, and to pay for the costs of notice and administration of the Settlement Class.

If the Settlement is approved in full, each Successful Disputes Group Class Member, and SOR Reports and Name & DOB Match Group Class Members who return timely and valid Claim Forms, 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 service awards, SOR Reports and Name & DOB Match Group Class Members who timely return valid claim forms will receive payments up to a maximum of $1,500 each. All claim forms are subject to review and verification for validity by the Settlement Administrator and Class Counsel (with review, confirmation and approval by Defendant).

Each Successful Disputes Group Member will each receive $1,500, gross.

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:

E. Michelle Drake
Joseph C. Hashmall
Berger Montague PC
1229 Tyler Street NE, Suite 205
Minneapolis, MN 55413
612-594-5999

Subject to Court approval, Class Counsel will seek attorneys’ fees in the amount of 25% of the Settlement Fund, and reimbursement of their out-of-pocket expenses and the expenses of the settlement administrator, which together are not expected to exceed $125,000.
Class Counsel will also seek a service award in an amount not to exceed $5,000 each, thus $15,000 in total, to be paid to the Plaintiffs for their services in representing the Settlement Class. The attorneys’ fees, costs, service awards, and settlement administration expenses will be paid from the Settlement Fund, if approved by the Court.

You have three options. You can (1) remain in the Class, or (2) exclude yourself (i.e., “opt out”) from the Settlement, or (3) remain in the class and object to the Settlement.
Your options and rights are explained below, along with the steps you must take if you wish to opt-out or object.

Remaining in the Class

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

If you remain in the Class, you will not be able to pursue claims against Defendant and the Released Parties that are covered by the Settlement’s release and agree not to bring any future class action, mass action, representative or other similar joint or collective claims against the Released Parties under FCRA and similar state and local laws. All the Court’s decisions regarding the Settlement will apply to you and you will be bound by any judgment entered. Precise details about the Released Parties and Released Claims as defined by the Settlement Agreement are found in the Agreement, which is available on this website.
If you remain in the Settlement Class, and you are in the Successful Disputes Group, then you will receive a monetary settlement payment if the Court grants final approval of the Settlement. If Defendant does not have your Social Security Number in its records, the Settlement Administrator will be mailing you a W-9 form to collect that information for tax reporting purposes. If you do not return and complete a W-9 if one is mailed to you, your settlement amount will be reduced by default taxes.
If you remain in the Settlement Class and you are in the SOR Reports or Name & DOB Match Groups, you must return a timely and valid Claim Form in order to receive a monetary settlement payment if the Court grants final approval of the Settlement.

Opting Out

If you exclude 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. 

Objecting to the Settlement

If you object, 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. How to Object to the Settlement.

You may object 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 submit to the Settlement Administrator at Walker v. Inflection Risk, c/o Settlement Administrator, PO Box 23680, Jacksonville, FL 32241 a written explanation of the reasons you think that the Court should not approve the Settlement as well as filed with the Clerk of Court. The deadline to postmark an objection to the Settlement Administrator and file it with the Clerk of Court is May 21, 2025. The objection must state the case name and number; the basis for and an explanation of the objection; your name, address, telephone number, and email address; and a statement of whether you intend to appear at the fairness hearing, either with or without counsel. In addition, you must personally sign any objection. If you are represented by counsel in your objection, you must include that attorney’s information with your objection and your attorney should also sign the objection.

If you wish to be excluded or “opt out” of the Settlement Class, then you must mail a written request for exclusion, mailed by first-class U.S. Mail, addressed to the Settlement Administrator at:

Walker v Inflection Risk c/o Settlement Administrator

PO Box 23680,

Jacksonville, FL 32241

Your request for exclusion must be in writing, signed by you, and postmarked on or before May 21, 2025. The request must state:

“I do not want to be part of the Class in Walker v. Inflection Risk Solutions.”

The request for opt-out/exclusion must also be dated and include your name, address, telephone number. The address you use on your exclusion request should be 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 exclude yourself, you are not eligible to receive a payment.

Money from the Settlement Fund will be available to some Class Members automatically, while other Class Members are required to make a claim in order to receive a payment. Your mailed or emailed notice will tell you whether you are required to make a claim. If you are unsure whether you have to make a claim, you may contact the Settlement Administrator to find out which Group you are in. The Settlement Administrator may be reached at [email protected]. 

If you are part of the SOR Reports or Name & DOB Match Groups, then you must complete and return a valid Claim Form by May 21, 2025.

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

The Court will hold a Final Fairness Hearing on Monday, July 28, 2025, at 3pm.

At the Final Fairness Hearing, the Court will consider whether the proposed Settlement is fair, reasonable, and adequate. The Court will also hear objections to the Settlement, if any. We do not know how long the Court will take to make its decision after the Final Fairness Hearing. In addition, the Final Fairness Hearing may be continued at any time by the Court without further notice to you.

You do not have to appear at the Final Fairness Hearing. If you are filing an objection, your objection should include a statement of whether or not you intend to appear at the Hearing, and if you intend to appear with counsel (see FAQ “How Do I Object to The Settlement”).

There is a class action that may affect your rights. You were sent notice because records indicate you are a member of the group made up as follows: 

All consumers who were (1) subject to at least one SOR Report from July 20, 2020 to May 30, 2024; (2) where Inflection's records pertainint to disputes contain codes that Inflection reasonably believes indicate that the consumer may have disputed with Inflection that the sex offender registry record in the SOR Report did not belong to them; and (3) by the date of preliminary approval, Inflection's records reflect that the consumer's dispute of the SOR Report was successful. 

As a class member, you may be eligible to receive a payment as part of this class action Settlement. The notice you received describes your rights. Please review it carefully.

More information including the Case Action Settlement Notice, is available on the Important Court Documents page of this website that explains the entire settlement and outlines your rights. 

You may submit a W-9 form by email at [email protected] or by mail: 

Walker v Inflection Risk 

C/O Settlement Administrator 

PO Box 23680

Jacksonville, FL 32241

A blank W-9 form can be found on the Important Documents page of this website. 

Review the additional documents available on this Website, including the Second Amended Complaint, and the full Settlement Agreement.

You may also contact the Settlement Administrator via email at [email protected] or at Walker v Inflection Risk, c/o Settlement Administrator, PO Box 23680, Jacksonville, FL 32241.