Examples of Mixed Credit Files from Cases I Have Filed
By Richard H. Kim, The Kim Law Firm, LLC A definition of a mixed credit file only goes so far.
Richard Kim
November 14, 2026
Day: November 14, 2026
A Twin’s or Sibling’s Accounts on Your Credit Report
By Richard H. Kim, The Kim Law Firm, LLC You open your credit report and find your sister’s student loan.
Richard Kim
November 14, 2026
Father and Son, Same Name: When Jr. and Sr. Credit Reports Get Mixed
By Richard H. Kim, The Kim Law Firm, LLC You are a Jr., and your father’s car loan is on
Richard Kim
November 14, 2026
Background Check Lawsuit Settlement Amounts: What the Public Cases Show
What the FCRA allows when a background check is wrong, and the amounts in four public settlements, from about $84 a person to $15 million in total.
Richard Kim
November 13, 2026
Student Loan Identity Theft: What to Do About a Loan You Never Took Out
A student loan or co-signature you never made can be blocked from your credit report, and a federal loan can be discharged. The steps and the forms.
Richard Kim
November 13, 2026
Someone Took Out a Loan in Your Name: How to Get It Off Your Credit Report
A loan you never applied for can be blocked from your credit report within four business days. The steps, the lender’s duties, and when it becomes a claim.
Richard Kim
November 13, 2026
Can You Sue for Identity Theft? Who You Can Sue, and When
Yes. You can sue the thief, and under the FCRA the credit bureaus and lenders that keep a fraudulent account on your report. Who is liable, what to keep.
Richard Kim
November 13, 2026
Fraudulent Account on Your Credit Report: How to Get It Removed
A fraudulent account on your credit report can be blocked within four business days with an identity theft report. The steps, and when it becomes a claim.
Richard Kim
November 4, 2026
Insurance Paid the Medical Bill, but the Collection Is Still on My Credit Report
Your insurer processed the claim. The explanation of benefits says you owe nothing, or far less than the bill. A
Richard Kim
November 3, 2026
The Navy Federal Unauthorized Loan Settlement: What Class Members Get, and the FCRA Claim They Keep
Navy Federal Credit Union has agreed to settle a class action over personal loans that were opened in members’ names
Richard Kim
October 26, 2026
Wrongfully Sent to Collections? When You Can Sue Over a Collection on Your Credit Report
A bill you already paid, a balance your insurer was supposed to cover, an account that was never yours: when
Richard Kim
October 14, 2026
Can You Sue a Creditor for False Credit Reporting?
If a bank, card issuer, auto lender, mortgage servicer or student loan servicer is telling the credit bureaus something about
Richard Kim
October 14, 2026
GEICO’s $1.65 Million C.L.U.E. Report Settlement: Opt-Out Deadline Passed October 20
If you disputed something on your C.L.U.E. insurance report through LexisNexis between March 13, 2022 and May 1, 2026, and
Richard Kim
October 11, 2026
A Deleted Account Came Back on Your Credit Report: The FCRA’s Reinsertion Rules
You disputed an account, the credit bureau deleted it, and months later it is back on your report. That is
Richard Kim
October 7, 2026
TransUnion’s $8.31 Million Bankruptcy Remark Settlement: File a Claim or Opt Out?
If a TransUnion credit report between January 2020 and January 2023 said one of your accounts was part of a
Richard Kim
October 7, 2026
Equifax’s $30 Million Hard Inquiry Settlement: File a Claim or Opt Out?
If you disputed a hard inquiry with Equifax between August 31, 2021 and March 27, 2026, you are probably a
Richard Kim
October 7, 2026
Equifax’s $100 Million Credit Score Settlement: File a Claim or Opt Out?
If Equifax reported a wrong credit score for you in the spring of 2022, you are likely a member of
Richard Kim
October 7, 2026
The FCRA Statute of Limitations: How Long You Have to Sue Over a Credit Report or Background Check Error
If a credit bureau, a lender or a background check company put something false in your file and it cost
Richard Kim
October 5, 2026
Is There a Judgment on Your Credit Report? What to Check, and When It Is an Error
You pulled your credit report, or a lender, landlord or employer turned you down, and a court judgment seems to
Richard Kim
October 2, 2026
How to Dispute a ChexSystems Report After a Bank Turns You Down
A bank or credit union turned down your application for a checking account, and the reason was a report from
Richard Kim
September 25, 2026
How to Dispute a Checkr Background Check — and What to Do When Checkr “Confirms” the Report
Checkr runs the background checks behind the large rideshare and delivery platforms and a long list of employers that hire
Richard Kim
September 22, 2026