When your credit report contains false or outdated information, the consequences can be serious. Inaccurate entries can lead to denied loans, increased interest rates, and even missed employment opportunities. At Martin & Bontrager, APC, we help clients across Los Angeles take action when their credit reports do not reflect the truth.
How Credit Report Errors Happen
Credit reporting errors can stem from many sources—data entry mistakes, identity theft, or lenders submitting incorrect information. Sometimes, two individuals with similar names have their files mixed. Other times, a creditor may report a delinquency that was already resolved. No matter the cause, these mistakes can cause lasting financial harm if left unaddressed.
Your Right to Dispute Inaccuracies
Under federal law, you are allowed to dispute any item on your credit report that you believe is inaccurate or incomplete. Credit reporting agencies are required to investigate your dispute, usually within 30 days. If they confirm the error, they must correct or remove it. However, the process does not always unfold as it should. Some disputes are ignored. Others receive only a surface-level review. When this happens, legal action may be necessary.
When Disputes Are Mishandled
If your dispute was dismissed without proper investigation or the false entry remains after your complaint, you may have a legal claim. The Fair Credit Reporting Act holds credit bureaus and furnishers of information accountable for failing to respond appropriately. At Martin & Bontrager, APC, we help gather the necessary documentation, prepare legal claims, and pursue action against those who continue to report false or damaging information.
Taking Steps Toward a Clean Record
Your credit report should reflect accurate, up-to-date financial information. If you’ve taken steps to correct a mistake but haven’t seen results, a credit report dispute lawyer may be able to help. Martin & Bontrager, APC works with clients in Los Angeles to resolve credit report disputes and seek accountability when those responsible fail to comply with the law. A fair and accurate credit report isn’t just important—it’s essential to your financial future.
