No Fee Unless We Win
Equifax Has an Error on Your Credit Report.
You Have Legal Rights — and We Can Help at No Out of Pocket Cost to You.
Equifax reports credit information on hundreds of millions of Americans — and they get it wrong far more often than they admit. Under the Fair Credit Reporting Act (FCRA), inaccurate Equifax entries are a federal violation. Our attorneys dispute the error, and if Equifax refuses to correct it, we take them to court.
- We can assist with the dispute process involving inaccurate accounts, late payments, charge-offs, and collections on your Equifax report
- If Equifax fails to properly investigate your dispute, we can file a federal lawsuit on your behalf
- Our legal fees are paid by Equifax and the companies that furnish inaccurate information — not directly by you
Get Your Free Case Review
Takes 60 seconds. A case manager will call you within 1 business day.
DOES THIS SOUND FAMILIAR?
Equifax Errors Are Common — and the Consequences Can Be Serious
Equifax collects data from thousands of lenders, banks, and collection agencies — and their processes are far from perfect. When Equifax reports inaccurate information, it can cost you a loan, a home, or years of financial opportunity. And their in-house dispute process is designed to close cases quickly, not to protect you.
Denied for a mortgage, car loan, or personal loan because of an inaccurate Equifax entry
Accounts, addresses, or negative items on your Equifax report that belong to someone else — or stem from identity theft
A charge-off or collection account showing unpaid on Equifax even though you settled or never owed it
Late payments dragging down your Equifax score that were never actually late
You already disputed directly with Equifax — and the error came back "verified" without a real investigation
Old negative items — bankruptcies, collections, or derogatory marks — still appearing on Equifax past their legal removal date
The Process
Three Steps to Correcting Your Equifax Report
We handle everything. You focus on getting back to work.
We Review Your Equifax Report
Share your Equifax credit report with us (or we can walk you through getting it at no cost). Our team examines every entry for inaccurate late payments, accounts you don’t recognize, wrong balances, and any other potential FCRA violations.
We Can Assist With a Formal Dispute
If your case calls for it, our attorneys can help prepare and submit a formal dispute to Equifax on your behalf. Under the FCRA, Equifax has 30 days to conduct a genuine investigation. We build a thorough, documented dispute — not a generic form letter — and preserve the full record in case further legal action becomes necessary.
If the Errors Aren't Fixed, You May Be Owed Compensation
If Equifax fails to properly investigate or refuses to remove a legitimate error, you may have grounds for a federal lawsuit. We can pursue actual damages, statutory damages, and attorney’s fees — all paid by Equifax and the data furnishers, not by you.
Know Your Rights
Equifax Is Not Above the Law — and Neither Are the Companies That Feed Them Data
The Fair Credit Reporting Act (FCRA) is a federal consumer protection law that requires Equifax to maintain accurate information and conduct a proper investigation when you dispute an error. When Equifax violates the FCRA — whether by failing to investigate, reinstating removed items, or continuing to report information you’ve already disputed — they can be held legally liable.
That means you may be entitled to:
- 💵
Actual DamagesMoney lost from denied credit, higher interest rates, or other financial harm - 📋
Statutory DamagesUp to $1,000 per violation — even without proving a specific financial loss - ⚖️
Punitive DamagesAdditional amounts a court may award if the violation was willful - 🏛️
Attorney’s FeesPaid by the credit bureaus and the companies that furnished the inaccurate information — not directly by you
"Equifax has paid hundreds of millions in settlements for data and reporting failures. You have more power than you think — and a federal law that backs you up."
Our team has handled hundreds of credit reporting disputes and FCRA lawsuits. We know exactly what Equifax is required to do under the law — and exactly what to do when they fall short.
Why Our Clients Choose Us
More Than Legal Help — A Team That Actually Gets Results
You Pay Nothing Out of Pocket. Period.
Our fees come from the credit bureaus and data furnishers we go up against — not from your pocket. No retainer, no hourly rate, no bill at the end. If we don’t win, you don’t pay.
FCRA Focused
Generic law firms often miss violations that a specialist would catch. Our team has handled hundreds of credit reporting cases and knows exactly how to build a dispute — and a lawsuit.
We Can Help Wherever You Are
Whether you’re in New York, California, Texas, or anywhere in between — you can work with us remotely. Most of our process happens over phone and email. No office visit required.
What Our Clients Are Saying
Real People. Real Results.
"I went to Mr. Kim for help about two years ago and he immediately agreed to assist me with my credit report and creditors. He went to work and his legal assistant is amazing and very responsive. They showed that they cared, and in the end I was rewarded for all my issues — my credit score is now 741 thanks to Mr. Kim and his paralegal Anna. I will be forever grateful and will 100% recommend them to anyone with any credit or creditor problems."
"I was frustrated by the mistreatment of a creditor that damaged my credit. I filed a dispute with the credit agencies hoping it would resolve my issue — their process is a joke; it's as if they just work for the creditors. That's when I decided to hire The Kim Law Firm. Mr. Kim did an excellent job fighting for my rights, clearing up my credit, and getting compensation for my aggravation. If you need help, this is the firm you want representing you."
"I am extremely satisfied with my experience with The Kim Law Firm. Mr. Kim was very sympathetic to my concerns and understood my frustrations. He was confident he could help me from the very beginning, and in the end he did just that and more. My experience could not have been better. I sincerely thank you all for advocating on my behalf and seeing me when other entities did not."
Common Questions
Frequently Asked Questions
Get Started Today — No Out of Pocket Cost to You
Don't Let an Equifax Error Cost You Any More Time or Money
Your case review is at no out of pocket cost to you. If Equifax violated the FCRA, our fees come from them — not from you. There’s no reason to wait.
Get Your Free Case Review
Takes 60 seconds. A case manager will call you within 1 business day.
📞 Prefer to talk? Call us: (215) 486-6211
Available Monday–Friday · Response within 1 business day