When Credit Reports Cause More Harm Than Help
Errors on your credit report can appear without warning and create unexpected obstacles. Whether it’s an account that doesn’t belong to you, a debt that was already paid, or inaccurate personal information, these mistakes can lead to real-world setbacks. At Martin & Bontrager, APC, we represent individuals in Los Angeles whose credit reports contain damaging inaccuracies.
You don’t have to accept these mistakes as permanent. The Fair Credit Reporting Act (FCRA) gives you the right to demand accurate reporting—and take legal action when those rights are violated.
What the FCRA Is Meant to Do
The FCRA was established to ensure fairness, accuracy, and privacy in consumer credit files. It applies to credit bureaus and to the companies that furnish information to them. When either party fails to correct false data after being notified, they can be held legally responsible.
These laws were written to protect consumers like you from being penalized by the careless handling of financial data.
Common Mistakes That Violate Your Rights
You may see collections accounts that were never yours, a bankruptcy that doesn’t belong to you, or duplicate listings inflating your debt load. In other cases, your file may be mixed with someone else’s—often due to similar names or social security numbers.
When these issues are reported and not corrected, that’s more than just bad business. It’s a violation of your legal rights under the FCRA.
How Our Firm Supports You
Martin & Bontrager, APC handles FCRA cases across Los Angeles with a strategy designed to deliver results. We review your credit file, help you dispute errors, and file lawsuits when credit bureaus or data furnishers fail to comply. Our approach focuses on getting your report corrected, clearing your name, and seeking damages when the law has been ignored.
You shouldn’t have to keep explaining yourself to lenders or employers because of inaccurate data that was never your fault. If your credit report is causing issues and your disputes haven’t fixed the problem, there’s a legal path forward. Let Martin & Bontrager, APC help you take the next step with confidence.
