No Fee Unless We Win
Experian Has an Error on Your Credit Report.
Federal Law Gives You the Right to Fight Back — at No Out of Pocket Cost to You.
As the largest credit bureau in the world, Experian manages data on hundreds of millions of consumers — and errors are far more common than they acknowledge. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute inaccurate Experian entries and to sue if they refuse to correct them. Our attorneys handle it all, at no cost to you.
- We can assist with the dispute process involving inaccurate accounts, late payments, collections, and items that shouldn’t be on your Experian report
- If Experian fails to properly investigate your dispute, we can file a federal lawsuit on your behalf
- Our legal fees are paid by Experian and the companies that supplied them with wrong 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?
Experian Errors Can Follow You for Years — Holding Back Your Credit, Your Loans, and Your Life
Experian is the world’s largest credit reporting agency. That size means they handle an enormous volume of data — and that volume means mistakes. When Experian reports inaccurate information, the consequences can affect your ability to buy a home, get a job, or qualify for credit. And their own dispute process is set up to favor speed, not accuracy.
Denied for a mortgage or rental because of an account on your Experian report you don't recognize or already resolved
You disputed an error with Experian — it was removed — and then it showed back up again a few months later
A collection account or charge-off appearing on your Experian report that you paid — or that was never yours to begin with
Late payments dragging down your Experian score that you know were made on time
Negative items on your Experian report — bankruptcies, judgments, or derogatory accounts — that are past their legal removal date
Someone else's accounts, addresses, or public records mixed into your Experian file
The Process
Three Steps to Correcting Your Experian Report
We handle everything. You just answer our call
We Review Your Experian Report
Share your Experian credit report with us (or we can walk you through getting it at no cost). Our attorneys review every account, payment history, and public record for inaccuracies and potential FCRA violations — including items that have been disputed before and reappeared.
We Can Assist With a Formal Dispute
If your case calls for it, our attorneys can help prepare and submit a formal dispute to Experian on your behalf. Under the FCRA, Experian has 30 days to conduct a genuine investigation. We build a thorough, well-documented case — not a generic form letter — and preserve the complete record in case further legal action becomes necessary.
If the Errors Aren't Fixed, You May Be Owed Compensation
If Experian fails to properly investigate, reinstates a removed error, or continues reporting something you’ve already disputed, you may have grounds for a federal lawsuit. We can pursue actual damages, statutory damages, and attorney’s fees — all paid by Experian and the responsible data furnishers, not by you.
Know Your Rights
Experian Has Legal Obligations to You — and When They Fail to Meet Them, They Can Be Held Accountable
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 Experian and the companies that provided inaccurate information — not directly by you
"Experian is the largest credit bureau in the world. That doesn't make them right. It makes holding them accountable all the more important."
Our team has handled hundreds of FCRA disputes and lawsuits, including cases involving errors that reappeared after being removed. We know the law — and we know how to use it.
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
You don’t need to be local to work with us. Our process is remote-friendly — phone, email, and secure document sharing. 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 Experian Error Hold You Back Any Longer
Your case review is at no out of pocket cost to you. If Experian 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.