Mistakes on your credit report can seriously impact your life. A single inaccurate item might affect your ability to qualify for a loan, rent an apartment, or secure a job. For many in Los Angeles, trying to fix those mistakes becomes a frustrating cycle of disputes and delays. At Martin & Bontrager, APC, we represent clients who have tried to correct their credit reports and received no real resolution.
Why Credit Report Errors Happen
Incorrect entries can show up on your report for several reasons. Sometimes creditors report false information. Other times, identity theft results in accounts you never opened. Clerical errors or outdated data can also stick around long after they should have been removed. No matter the cause, these inaccuracies don’t belong on your report—and they shouldn’t be ignored.
What the Dispute Process Requires
The Fair Credit Reporting Act gives you the right to dispute information you believe is incorrect. You can submit a dispute to the credit bureau, which is then required to investigate the issue. If they confirm it’s inaccurate, they must remove or correct it. But even when you follow the process properly, some disputes are dismissed or overlooked without a thorough review. When that happens, you may need legal support to get the problem addressed.
When You’ve Done Everything and Nothing Changes
Many consumers file detailed disputes, send supporting documents, and still watch the same error appear month after month. In some cases, the issue lies with the company furnishing the data. In others, it’s the credit bureau’s failure to properly investigate. Either way, if your report remains inaccurate despite your efforts, you may have a legal claim under federal law.
How Legal Support Can Make a Difference
At Martin & Bontrager, APC, we work with Los Angeles residents to hold credit bureaus and creditors accountable when they don’t correct false information. We help gather records, track communication, and build a strong case so you don’t have to deal with the system alone. If errors on your credit report have gone unresolved, it’s time to take action—and we’re here to help you move forward.
