The Consumer Financial Protection Bureau (CFPB) is a federal government agency that enforces laws that protect consumers. The CFPB took enforcement action against Lexington Law, CreditRepair.com and their parent companies. The CFPB alleged the companies illegally charged upfront fees and engaged in deceptive, bait-and-switch advertising for credit repair services in violation of the Consumer Financial Protection Act of 2010 and the Telemarketing Sales Rule. All eligible consumers have been identified by the CFPB, and there is no opportunity for additional claims in this matter.

This distribution was approved by the Consumer Financial Protection Bureau, or CFPB, and is not a scam. You do not need to do anything to receive and cash a valid check from this distribution. This payment is the result of a legal action between the CFPB and the companies Lexington Law and CreditRepair.com. As part of the legal settlement, the CFPB collected mailing addresses and harm amounts for all victims in this case. 

We have received reports of bad actors attempting to scam consumers into providing sensitive information or money in exchange for funds from this distribution.

This scam may look like:

• A company or individual claiming they can “help” you receive a check, money, a gift card, or funds in some other format from the Lexington Law or CreditRepair.com matter. This is likely a scam.
• A company or individual asking you for any banking details to issue you a check, for you to cash a check, or to “advance” you money from this distribution. This is likely a scam.
• A company or individual asking you for your social security number, your date of birth, credit card numbers, or bank account numbers. This is likely a scam.
• A company or individual asking you to send them money or a gift card before or after cashing a check. This is likely a scam.
• A company or individual claiming they can help expediate the mailing of your check from this distribution. This is likely a scam.

If you have received a check that looks to you like it may be a scam, you can call 1-855-680-8991 8 am-9 pm EST, Monday-Friday except Holidays, and a live agent can assist you. You can also validate this is an active matter with the CFPB by visiting www.cfpb.gov/payments/lexlaw or calling them toll-free at (855) 411-CFPB (2372). Advice for spotting scams is available by the CFPB on their website.

Eligible harmed consumers have been identified through Lexington Law and CreditRepair.com’s records, which were provided to the CFPB as part of their enforcement action. Eligible consumers made a payment to Lexington Law or CreditRepair.com for Credit Repair Services purchased between March 8, 2016, and August 30, 2023, after being subject to telemarketing regarding Defendants’ Credit Repair Services. They may also have made a payment to Lexington Law or CreditRepair.com from July 21, 2011, through August 30, 2023, after being live-transferred to Lexington Law or CreditRepair.com by one of their marketing affiliates that the CFPB alleged were engaged in deceptive marketing.

If you received a letter and a payment addressed to you, it is because you were identified as an eligible consumer who was illegally charged upfront fees or subjected to deceptive advertising when signing up for credit repair services in violation of the Consumer Financial Protection Act of 2010 and the Telemarketing Sales Rule.

No, we are sorry, but there are no opportunities for claims in this matter.

If you received a check, you have received a refund of fees you paid to the Defendants. This amount may not cover all of the fees you paid to the Defendants.

There is no opportunity to submit claims in this matter and all eligible consumers have been identified by the CFPB. However, if funds remain after this distribution, additional checks may be sent to consumers who cashed their initial check. There is no action needed by you.

Payments are calculated based on a pro-rata share of the fees you paid to Lexington Law or CreditRepair.com. This amount may not cover all of the fees you paid to them.

This check is considered a refund of a payment you made to the defendants and is unlikely to be taxable. We are not able to provide specific tax advice. Please reach out to your own tax advisor for any tax related questions.

If you do not have a bank account, you can cash your Lexington Law check at Wells Fargo. You need to talk to a teller and show a valid ID that matches the name on your check. Or, you can take your check to a check cashing service or to a supermarket that cashes checks. Keep in mind that these companies charge fees for check cashing. For information from the CFPB on opening a new bank account, see consumerfinance.gov/consumer-tools/bank-accounts.

Please visit the Contact Us page and fill out the form to submit your reissue request. As part of your request, you will need to provide your Unique ID, name, and current address. If your address has changed, please provide your new address along with your previous address for verification purposes. Your Unique ID number can be found on your check or at the top of the letter that was mailed along with your check. Please be patient as reissues are sent in scheduled runs that occur about once every 2 months. The first reissue run will occur at the middle of February. We process the requests in the order that we receive them and cannot guarantee that your reissue request will be included in the first reissue run. Thank you for your patience.

You may also submit your reissue request via email, along with your Unique ID, name, and current address. If your address has changed, please provide your new address along with your previous address for verification purposes. Again, please be patient as reissues are sent in scheduled runs that occur about once every 2 months. Please send your request to our email address: info@cfpb-lexlaw.org.

If you are not able to submit your request online or email your request, then we will accept your request via mail. Please note that mailed in requests will take longer due to the time it takes for the mailing and processing of your request. To mail your request, the mailing address is:

Lexington Law Matter
c/o JND Legal Administration
P.O. Box 91015
Seattle, WA 98111

Please note that information you submit is treated in accordance with the Privacy Act. You can view the Privacy Act in FAQ 16.

Checks are being mailed in batches to millions of consumers beginning in December 2024 and will continue over a six-week timespan. Checks will become stale on April 6, 2025. Please be patient and allow time for the USPS to deliver your check before potentially requesting a reissue of your payment.

Email a written request to update your name along with a copy of a government issued ID that displays your current name and appropriate legal documentation indicating the name change. Examples of legal documentation include: a marriage license, divorce decree, or court order.

To correct a misspelling, please email your request and attach an image of a government issued ID. Examples of government issued IDs include a driver’s license, real ID, or passport.
You may send your email your request to the administrator at: info@cfpb-lexlaw.org.

If you are not able to email your request, then we will accept your request via mail. Please note that mailed in requests will take longer to process to allow for mailing and processing time. To mail your request, the mailing address is:

Lexington Law Matter
c/o JND Legal Administration
P.O. Box 91015
Seattle, WA 98111

Please note that information you submit is treated in accordance with the Privacy Act. You can view the Privacy Act in FAQ 16.

Please visit the Contact Us page and fill out the form to submit your address update. With your request, please include your Unique ID, name, old mailing address, updated mailing address, and reference the Lexington Law Matter. Your Unique ID number can be found on your check or at the top of the letter that was mailed along with your check.

You may also submit your address update via email, along with your Unique ID, name, and current address. Again, please include your name, old mailing address, updated mailing address, and reference the Lexington Law Matter.

If you are not able to submit your request online or email your request, then we will accept your request via mail. Please note that mailed in requests will take longer due to the time it takes for the mailing and processing of your request. To mail your request, the mailing address is:

Lexington Law Matter
c/o JND Legal Administration
P.O. Box 91015
Seattle, WA 98111

Please note that information you submit is treated in accordance with the Privacy Act. You can view the Privacy Act in FAQ 16.

A check that was made out to a deceased individual can be reissued to the sole beneficiary of the estate or the estate itself, but proper documentation must be submitted in writing and these requests cannot be taken over the phone.

To request that we reissue the check in your name as the beneficiary, a written request must be submitted via email by the sole beneficiary. You will need to provide proof of your identity, the death certificate of the deceased harmed consumer, and legal documentation that you are the sole beneficiary of the deceased harmed consumer’s estate.

Examples of proof of identity include an official government issued ID, such as driver’s license, real ID, or passport. Examples of legal documentation that shows you are the sole beneficiary of the deceased harmed consumer’s estate would include a will, small estate affidavit, letters testamentary, or letters of administration.

This information can be sent by email to info@cfpb-lexlaw.org. Please be patient as reissues are sent in scheduled runs that occur about once 2 months. The first reissue run will occur at the middle of February and it is anticipated that complete reissue requests received by the beginning of February will be included in this reissue run.

To request that we reissue the check to the “estate of” the individual who received a check, a written request must be submitted by email by the executor of the estate. These requests must come from the executor, and the executor must provide the death certificate of the deceased harmed consumer, proof of identity and a legal documentation providing proof of executorship.

This information can be sent by email to info@cfpb-lexlaw.org. Again, please be patient as reissues are sent in scheduled runs that occur about once every 2 months.

If you are not able to email your request, then we will accept your request via mail. Please do not send originals, as we cannot return any documents to you. Please only send copies. Please note that mailed in requests will take longer to process to allow for mailing and processing time. To mail your request, the mailing address is:

Lexington Law Matter
c/o JND Legal Administration
P.O. Box 91015
Seattle, WA 98111

Please note that information you submit is treated in accordance with the Privacy Act. You can view the Privacy Act in FAQ 16.

The information requested is being collected to determine your eligibility for a Civil Penalty Fund payment from the Consumer Financial Protection Bureau (CFPB) to compensate you for harm suffered from a violation of Federal consumer financial law that was the subject of a Bureau enforcement action.

• Identifying information collected may be used by and disclosed to employees, contractors, agents, and others authorized by the CFPB to receive this information to contact you and/or assist in related activities. It may also be disclosed:
• to a court, magistrate, or administrative tribunal in the course of a proceeding;
• for enforcement, statutory, and regulatory purposes;
• to another federal or state agency or regulatory authority;
• to a member of Congress; to the Department of Justice, a court, an adjudicative body or administrative tribunal, or a party in litigation; and
• pursuant to the CFPB’s published Privacy Act system of records notice, CFPB.025 – Civil Penalty Fund and Bureau-Administered Redress Program Records.

The collection of this information is authorized by the Dodd Frank Act. To learn more about the CFPB’s privacy practices, please visit the CFPB’s website at https://www.consumerfinance.gov/privacy/.

You are not required to submit or provide any identifying information; however, we may not be able to process your request unless you allow us to collect this information from you.

Please be patient as reissues are sent in scheduled runs that occur about once every 2 months. The first reissue run will occur at the middle of February. We process the requests in the order that we receive them and cannot guarantee that your reissue request will be included in the first reissue run. Thank you for your patience.

The Consumer Financial Protection Bureau is a federal government agency that enforces laws that protect consumers. In addition to enforcing the law, the Consumer Financial Protection Bureau also helps consumers take more control over financial decisions. They receive and monitor consumer complaints and offer help with financial services and products such as credit cards, mortgages, debt collection, and payday loans. Find out more at consumerfinance.gov.

JND is a third-party administrator appointed by the Consumer Financial Protection Bureau to administer this redress matter.