In a city as fast-paced and interconnected as Los Angeles, identity theft can strike without warning. The consequences often reach far beyond a compromised credit score. For individuals whose financial reputation has been damaged by unauthorized activity, quick action is essential. At Martin & Bontrager, APC, we focus on helping clients deal with the fallout of credit and identity theft—whether that means cleaning up fraudulent accounts or confronting credit reporting agencies that refuse to correct inaccuracies.
How Identity Theft Can Spiral
Many victims only discover identity theft after being denied credit, receiving unfamiliar collection notices, or spotting suspicious activity on a credit report. In some cases, thieves use stolen information to open new lines of credit, apply for loans, or rack up thousands in unauthorized charges. The longer the theft goes undetected, the more complex the situation becomes.
Correcting the damage requires more than just filing a police report or calling a credit bureau. You may be dealing with multiple credit card companies, lenders, and agencies—all while trying to explain that the transactions in question are not yours. This process can be overwhelming without legal help.
Credit Reporting Issues That Add to the Stress
Even after proving identity theft, some credit reporting agencies fail to remove false information in a timely manner. Errors can persist for months—or longer—despite formal disputes. These unresolved issues can interfere with your ability to rent an apartment, secure a job, or obtain a mortgage.
At Martin & Bontrager, APC, we step in when consumers are unfairly burdened by reporting inaccuracies. If your rights under the Fair Credit Reporting Act have been violated, we can help pursue action against those responsible for failing to correct your records.
Taking Steps Toward Financial Repair
The process of reclaiming your identity involves strategic action. That may include communicating with creditors, gathering documentation, and pursuing damages where applicable. Legal support can help ensure that your efforts lead to real results.
Martin & Bontrager, APC is committed to helping Los Angeles residents respond to identity theft and credit reporting issues with confidence. When your financial reputation is on the line, the right approach can make a difference in how quickly you regain control.
