No Fee Unless We Win
TransUnion Has an Error on Your Credit Report.
You Have Legal Rights — and We Can Help at No Out of Pocket Cost to You.
TransUnion collects and reports credit data on millions of Americans — and errors happen more often than they acknowledge. Whether it’s a collection account that isn’t yours, a late payment you never made, or a debt that should have fallen off years ago, the Fair Credit Reporting Act (FCRA) gives you the right to demand a correction. If TransUnion doesn’t fix it, our attorneys can take them to court.
- We can assist with the dispute process involving inaccurate accounts, late payments, collections, and other errors on your TransUnion report
- If TransUnion fails to properly investigate your dispute, we can file a federal lawsuit on your behalf
- Our legal fees are paid by TransUnion and the companies that supplied 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?
TransUnion Errors Can Cost You a Loan, a Home, or a Job — and They Don't Always Fix Them on Their Own
TransUnion gathers data from thousands of lenders, creditors, and debt collectors. When one of them reports something wrong, TransUnion puts it on your record — and their internal dispute process often just rubber-stamps whatever the original creditor tells them. The result is real harm to real people who did nothing wrong.
Denied for a credit card, auto loan, or personal loan because of an inaccurate TransUnion entry
Rejected for a mortgage or apartment rental based on a TransUnion report that doesn't accurately reflect your history
A collection account appearing on your TransUnion report for a debt you already paid, settled, or never owed
Another person's accounts, addresses, or negative items mixed into your TransUnion credit file
Incorrect late payments dragging down your TransUnion score — payments you made on time
Negative accounts — judgments, collections, or charge-offs — still appearing on TransUnion past the 7-year reporting limit
The Process
Three Steps to Correcting Your TransUnion Report
We handle everything. You focus on getting back to work.
We Review Your TransUnion Report
Share your TransUnion credit report with us (or we’ll walk you through getting it for free). Our attorneys examine every account, balance, payment history, and public record entry for inaccuracies and potential FCRA violations — including items that may have been incorrectly reported by creditors or debt collectors.
We Can Assist With a Formal Dispute
If your case calls for it, our attorneys can help prepare and submit a formal dispute to TransUnion on your behalf. Under the FCRA, TransUnion has 30 days to conduct a genuine investigation. We build a thorough, documented dispute — 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 TransUnion 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 TransUnion and the data furnishers responsible, not by you.
Know Your Rights
TransUnion Has Strict Legal Obligations Under Federal Law — and You Can Hold Them to It
The Fair Credit Reporting Act (FCRA) is a federal consumer protection law that requires TransUnion to report only accurate information and to conduct a proper reinvestigation when you dispute an error. When TransUnion violates the FCRA — by failing to investigate, relying on a creditor’s word without review, or allowing inaccurate data to remain on your report — 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
"TransUnion's dispute process is built for efficiency — not for you. When it fails, federal law gives you the right to fight back with an attorney at your side."
Our team has handled hundreds of FCRA disputes and lawsuits involving TransUnion. We know exactly what the law requires of them — and what to do when they fall short of 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
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 a TransUnion Error Cost You Any More Time or Money
Your case review is at no out of pocket cost to you. If TransUnion 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) 543-3203
Available Monday–Friday · Response within 1 business day