Credit Errors Can Have Real Consequences
A single mistake on your credit report can throw your financial life off course. From loan denials to higher interest rates, even one inaccurate entry can have a serious impact. At Martin & Bontrager, APC, we work with individuals across Los Angeles who are dealing with credit reporting problems that should never have happened in the first place.
Whether it’s outdated information, a mixed file with someone else’s account, or completely false data, these issues don’t always fix themselves—and the burden often falls unfairly on the consumer.
Common Reporting Mistakes That Cause Harm
Errors can appear in many forms: closed accounts reported as open, payments listed as late when they were on time, or debts that don’t even belong to you. In some cases, identity theft is involved. In others, the credit bureaus simply fail to conduct a proper investigation when you file a dispute.
The problem isn’t just the mistake itself—it’s what happens when banks, employers, or landlords act on that mistake.
What You Can Do About It
The Fair Credit Reporting Act (FCRA) gives you the right to dispute incorrect or incomplete information on your credit report. However, credit bureaus don’t always follow the rules. If your dispute gets ignored or the wrong information keeps showing up, legal action may be necessary.
Martin & Bontrager, APC works directly with clients to challenge these errors and demand accurate reporting. If a bureau or furnisher fails to comply with the law, you may be entitled to compensation.
Helping Los Angeles Residents Take Back Control
Our firm handles credit report disputes with focus and determination. We gather documentation, submit disputes on your behalf, and take action when your rights are not honored. Inaccurate credit reporting doesn’t just create stress—it can interfere with major life goals like buying a home, securing a loan, or finding a job.
You shouldn’t be left to deal with the fallout of someone else’s mistake. If your credit report doesn’t tell the truth, it’s time to act. At Martin & Bontrager, APC, we’re here to make sure credit bureaus and data furnishers answer for the damage they’ve caused.
