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Claims Against Data Furnishers and the FCRA: Frequently Asked Questions (FAQs)
By The Kim Law Firm, LLC If the furnisher reporting your account will not fix what it sent to the
FCRA Amended By the Homebuyers Privacy Protection Act (What Consumers Need to Know)
By The Kim Law Firm, LLC In September of 2025, President Trump signed the Homebuyers Privacy Protection Act (HPPA) into
Concrete Harm in an FCRA Claim: What to Keep
By The Kim Law Firm, LLC An inaccurate entry on your credit report is where a Fair Credit Reporting Act
FTC Files Complaint Against Several Companies Involved in “Accelerated Debt”; Alleges FCRA Violations and Other Violations
By The Kim Law Firm, LLC In July 2025, federal regulators obtained an emergency court order to stop a so-called
The Federal Government Has Resumed Collection Efforts on Delinquent Student Loans (Make Sure Your Credit Report is Accurate)
By The Kim Law Firm, LLC In April, the United States Department of Education (DOE) announced its intent to begin
The Top 10 Rights You Have Under the Fair Credit Reporting Act (FCRA)
By The Kim Law Firm, LLC In short: the Fair Credit Reporting Act (FCRA) gives you ten core rights over
Willful Violation of the FCRA: What it is, Why it Matters, and What Damages are Available
By The Kim Law Firm, LLC If a credit bureau or furnisher has refused to correct an error on your
Did a Debt Collector Put Something Inaccurate on Your Credit Report? A Comprehensive Guide to Your Rights Under the FCRA
By The Kim Law Firm, LLC Your credit report matters. Even a small mistake can harm your score and cost
Can You Sue a Mortgage Company for an FCRA Violation?
By The Kim Law Firm, LLC The short answer Yes — but “sue my mortgage company” covers two different problems,
Fourth Circuit Issues Key Decision in FCRA Case
By The Kim Law Firm, LLC On March 14th, 2025, the United States Court of Appeals for the Fourth Circuit
With Pandemic Era Student Loan Protections Fading, Borrowers Should Know their Rights Under the FCRA
By The Kim Law Firm, LLC In February of 2025, Forbes reported that many student loan borrowers from all across
Were You the Victim of Identity Theft? The FCRA is a Powerful Tool to Clear Your Good Name
By The Kim Law Firm, LLC Unfortunately, identity theft is a severe problem. The AARP cites a study estimating that
The FCRA and Employer Background Checks: Know Your Rights
By The Kim Law Firm, LLC Many employers conduct background checks of job applicants. The Professional Background Screening Association (PBSA)
Credit Report Errors: Common Types, How to Spot Them, and What to Do
By Richard H. Kim, The Kim Law Firm, LLC A credit report error is information on your credit report that
CFPB Files Lawsuit Against Experian for “Sham” Investigation Into Credit Report Errors
By The Kim Law Firm, LLC On January 7th, 2025, the Consumer Financial Protection Bureau (CFPB) announced a lawsuit against
Can You Sue a Debt Collection Agency for Violating Your Rights Under the FCRA?
By The Kim Law Firm, LLC Yes — and this is the heart of our practice. If you want the
Four Steps to Take to Fix Errors on Your Credit Report
By The Kim Law Firm, LLC Your credit report matters. It can affect your ability to secure loans, obtain favorable
Auto Loan Errors on Your Credit Report: What to Do When Big Lenders Make a Mistake
By The Kim Law Firm, LLC Your credit report plays a crucial role in determining your financial health, influencing everything
How to Deal With Debt Collector Harassment
By The Kim Law Firm, LLC These days, it seems like our phones are constantly ringing—and it’s not our family
Can You Dispute Your Credit Score? What to Dispute Instead
By The Kim Law Firm, LLC You cannot dispute a credit score itself. The Fair Credit Reporting Act (FCRA) gives
When a Background Check Reports a Criminal Record That Isn’t Yours
By The Kim Law Firm, LLC Background checks are a routine part of an employer’s hiring decision. Most applicants do
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