When Your Credit Report Doesn’t Tell the Truth
Many people in Los Angeles discover the hard way that credit reporting agencies don’t always get it right. One wrong entry—whether it’s a duplicate account, a payment marked late in error, or a debt that doesn’t belong to you—can affect your ability to rent an apartment, secure a loan, or even land a job. At Martin & Bontrager, APC, we work with individuals who are dealing with serious consequences from credit report errors that should have never happened.
Mistakes happen, but they shouldn’t define your financial future.
Common Reporting Issues That Cause Trouble
Credit report inaccuracies often include outdated balances, incorrect account statuses, accounts opened fraudulently, or files that have been merged with someone else’s. These issues don’t just impact your score—they create stress, delay your goals, and can cost you real money.
When disputes are filed, credit bureaus are supposed to investigate. But too often, the response is automated, incomplete, or simply dismissive. That’s when legal help becomes essential.
How Legal Representation Can Shift the Outcome
You have the right under the Fair Credit Reporting Act (FCRA) to dispute any inaccurate, incomplete, or unverifiable information on your credit report. When the credit bureaus or data furnishers fail to properly investigate or correct the error, they may be liable for damages.
At Martin & Bontrager, APC, we help clients take action when the reporting system fails. We prepare and submit formal disputes, escalate cases when credit bureaus don’t comply, and pursue legal claims when needed.
Personalized Support for Los Angeles Consumers
Not all credit report errors are the same—and neither is the impact on each individual. We take the time to understand how the misinformation has affected your life, and we build a strategy tailored to your situation. Whether you’ve been wrongfully denied financing or your identity has been mixed with someone else’s, our focus is on making it right.
Your credit report should reflect your reality—not someone else’s mistake. If you’ve done everything you can and the errors remain, Martin & Bontrager, APC is ready to step in. Our Los Angeles credit report dispute lawyers are here to help you move forward with confidence.
