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	<description>A Consumer Protection Law Firm</description>
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		<title>Fraudulent Account on Your Credit Report: How to Get It Removed</title>
		<link>https://thekimlawfirmllc.com/fraudulent-account-on-credit-report/</link>
					<comments>https://thekimlawfirmllc.com/fraudulent-account-on-credit-report/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Wed, 04 Nov 2026 17:27:25 +0000</pubDate>
				<category><![CDATA[Identity Theft and Accounts Opened in Your Name]]></category>
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					<description><![CDATA[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.]]></description>
		
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		<title>Insurance Paid the Medical Bill, but the Collection Is Still on My Credit Report</title>
		<link>https://thekimlawfirmllc.com/insurance-paid-medical-collection-credit-report/</link>
					<comments>https://thekimlawfirmllc.com/insurance-paid-medical-collection-credit-report/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Tue, 03 Nov 2026 22:36:59 +0000</pubDate>
				<category><![CDATA[Collections on Your Credit Report]]></category>
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					<description><![CDATA[Your insurer processed the claim. The explanation of benefits says you owe nothing, or far less than the bill. A collection account for that same visit is still on your credit report, and when you dispute it, the answer comes back “verified.” In that situation a document already shows what you owe. Below is how [&#8230;]]]></description>
		
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		<title>The Navy Federal Unauthorized Loan Settlement: What Class Members Get, and the FCRA Claim They Keep</title>
		<link>https://thekimlawfirmllc.com/navy-federal-unauthorized-loan-settlement/</link>
					<comments>https://thekimlawfirmllc.com/navy-federal-unauthorized-loan-settlement/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Mon, 26 Oct 2026 17:54:55 +0000</pubDate>
				<category><![CDATA[Lenders, Loans and Furnishers]]></category>
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					<description><![CDATA[Navy Federal Credit Union has agreed to settle a class action over personal loans that were opened in members’ names by other people. If you were one of the roughly 1,647 members whose fraud claim Navy Federal denied, you should have received a notice in August. Here is what the settlement does automatically, what you [&#8230;]]]></description>
		
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		<title>Wrongfully Sent to Collections? When You Can Sue Over a Collection on Your Credit Report</title>
		<link>https://thekimlawfirmllc.com/wrongfully-sent-to-collections/</link>
					<comments>https://thekimlawfirmllc.com/wrongfully-sent-to-collections/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Wed, 14 Oct 2026 17:08:28 +0000</pubDate>
				<category><![CDATA[Collections on Your Credit Report]]></category>
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					<description><![CDATA[A bill you already paid, a balance your insurer was supposed to cover, an account that was never yours: when a debt like that is sent to a collection agency, the damage usually shows up first on your credit report. The law gives you ways to fight it, and in some cases to sue, but [&#8230;]]]></description>
		
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		<title>Can You Sue a Creditor for False Credit Reporting?</title>
		<link>https://thekimlawfirmllc.com/sue-creditor-false-credit-reporting/</link>
					<comments>https://thekimlawfirmllc.com/sue-creditor-false-credit-reporting/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Wed, 14 Oct 2026 13:07:30 +0000</pubDate>
				<category><![CDATA[FCRA Lawsuits and Damages]]></category>
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					<description><![CDATA[If a bank, card issuer, auto lender, mortgage servicer or student loan servicer is telling the credit bureaus something about you that is not true, the law gives you a way to hold it responsible. But the right to sue a creditor over its credit reporting is narrower than most people expect, and it depends [&#8230;]]]></description>
		
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		<title>GEICO’s $1.65 Million C.L.U.E. Report Settlement: Opt-Out Deadline Passed October 20</title>
		<link>https://thekimlawfirmllc.com/geico-clue-report-settlement/</link>
					<comments>https://thekimlawfirmllc.com/geico-clue-report-settlement/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Sun, 11 Oct 2026 17:45:43 +0000</pubDate>
				<category><![CDATA[Cases, Settlements and Policy Updates]]></category>
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					<description><![CDATA[If you disputed something on your C.L.U.E. insurance report through LexisNexis between March 13, 2022 and May 1, 2026, and the item was an auto insurance claim from GEICO that did not belong to you or anyone on your policy, you may be a member of a $1.65 million class action settlement. Class members are [&#8230;]]]></description>
		
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		<title>A Deleted Account Came Back on Your Credit Report: The FCRA&#8217;s Reinsertion Rules</title>
		<link>https://thekimlawfirmllc.com/deleted-account-back-on-credit-report/</link>
					<comments>https://thekimlawfirmllc.com/deleted-account-back-on-credit-report/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Wed, 07 Oct 2026 14:26:16 +0000</pubDate>
				<category><![CDATA[Credit Report Errors and Disputes]]></category>
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					<description><![CDATA[You disputed an account, the credit bureau deleted it, and months later it is back on your report. That is not supposed to happen without warning. The Fair Credit Reporting Act sets specific rules for putting deleted information back into a credit file, and when a bureau skips them, the consumer has a claim. What [&#8230;]]]></description>
		
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		<title>TransUnion&#8217;s $8.31 Million Bankruptcy Remark Settlement: File a Claim or Opt Out?</title>
		<link>https://thekimlawfirmllc.com/transunion-bankruptcy-settlement/</link>
					<comments>https://thekimlawfirmllc.com/transunion-bankruptcy-settlement/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Wed, 07 Oct 2026 13:21:06 +0000</pubDate>
				<category><![CDATA[Cases, Settlements and Policy Updates]]></category>
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					<description><![CDATA[If a TransUnion credit report between January 2020 and January 2023 said one of your accounts was part of a bankruptcy, and you never filed for bankruptcy (or your only filing was more than ten years earlier), you may be a member of an $8.31 million class action settlement. The deadline to file a claim, [&#8230;]]]></description>
		
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		<title>Equifax&#8217;s $30 Million Hard Inquiry Settlement: File a Claim or Opt Out?</title>
		<link>https://thekimlawfirmllc.com/equifax-hard-inquiry-settlement/</link>
					<comments>https://thekimlawfirmllc.com/equifax-hard-inquiry-settlement/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Wed, 07 Oct 2026 12:55:12 +0000</pubDate>
				<category><![CDATA[Cases, Settlements and Policy Updates]]></category>
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					<description><![CDATA[If you disputed a hard inquiry with Equifax between August 31, 2021 and March 27, 2026, you are probably a member of a $30 million class action settlement, and you have until November 20, 2026 to decide whether to stay in it. For most people, filing a claim is the sensible choice. If an inquiry [&#8230;]]]></description>
		
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		<title>Equifax&#8217;s $100 Million Credit Score Settlement: File a Claim or Opt Out?</title>
		<link>https://thekimlawfirmllc.com/equifax-credit-score-settlement/</link>
					<comments>https://thekimlawfirmllc.com/equifax-credit-score-settlement/#respond</comments>
		
		<dc:creator><![CDATA[Richard Kim]]></dc:creator>
		<pubDate>Wed, 07 Oct 2026 12:48:43 +0000</pubDate>
				<category><![CDATA[Cases, Settlements and Policy Updates]]></category>
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					<description><![CDATA[If Equifax reported a wrong credit score for you in the spring of 2022, you are likely a member of a $100 million class action settlement, and you have a decision to make before November 27, 2026. If the wrong score did not cost you anything, the choice is simple: file a claim. If it [&#8230;]]]></description>
		
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