The Real Impact of Credit Report Errors
Credit reports influence almost every financial decision in your life—yet they are often filled with mistakes. A single error can result in loan denials, missed housing opportunities, or higher insurance premiums. At Martin & Bontrager, APC, we help Los Angeles residents fight back when inaccurate or mishandled credit information causes problems.
The Fair Credit Reporting Act (FCRA) was passed to give consumers the right to fair and accurate credit reporting. When those rights are violated, you may be entitled to more than just a correction.
When the System Gets It Wrong
The three major credit bureaus—Equifax, TransUnion, and Experian—collect massive amounts of data. Mistakes happen. Unfortunately, those mistakes can follow you for years. Common issues include accounts that don’t belong to you, false delinquencies, outdated public records, and accounts listed multiple times.
Even worse, when you report an error, some bureaus don’t take your dispute seriously. Instead of conducting a full investigation, they may rely on faulty data or automated systems to deny your claim.
Why Legal Action Makes a Difference
You have the right to dispute inaccurate information. But when those disputes go unresolved or are mishandled, it’s time to bring in legal support. Martin & Bontrager, APC represents clients under the Fair Credit Reporting Act by building strong cases against both credit bureaus and the companies that supply inaccurate data.
If your rights under the FCRA have been violated, you could be eligible for compensation—especially if the error caused you to lose money, time, or opportunities.
A Personalized Approach in Los Angeles
We know these cases aren’t just about numbers—they’re about the stress and damage done to your daily life. That’s why we listen carefully, gather the right documentation, and push for fast, meaningful outcomes. Our focus is on holding the responsible parties accountable and getting your report corrected.
Mistakes on your credit report don’t have to control your future. If you’ve tried to fix errors and nothing’s changed, there are legal tools available to make your voice heard. Martin & Bontrager, APC is here to help people in Los Angeles take that next step toward real resolution.
