When Inaccuracies Create Real-World Problems
A credit report should reflect your financial reality, not mistakes made by creditors or data handlers. But for many people in Los Angeles, false or outdated information appears all too often—and the consequences are serious. From rejected loan applications to unexpected debt collections, even a single error can derail your plans. At Martin & Bontrager, APC, we work with clients who need help getting their credit reports corrected and their lives back on track.
It’s not just frustrating—it’s damaging, and it can get worse without action.
The Most Common Mistakes People Face
You might see an account listed twice, a late payment that was actually on time, or an unfamiliar creditor listed under your name. Sometimes, your credit file can even be mixed with someone else’s—especially if you share a similar name or Social Security number. These errors can result in lowered scores and increased financial scrutiny.
And when you try to fix it? Many credit bureaus respond with automated rejections or no meaningful investigation at all.
Why Disputes Alone Aren’t Always Enough
Under the Fair Credit Reporting Act (FCRA), you have the right to dispute false or misleading items on your report. However, submitting disputes to the credit bureaus doesn’t always lead to real solutions. In many cases, the incorrect information remains, and the damage continues.
That’s where Martin & Bontrager, APC steps in. We help clients take legal steps when credit bureaus or creditors fail to correct mistakes. If your dispute has been ignored or mishandled, you may be entitled to compensation for the harm it caused.
Helping You Take Back Control
Our team listens to your experience and takes action that fits the scope of the issue. Whether your report includes identity theft-related entries or reporting mistakes from a lender, we build a case to correct your record and hold the responsible parties accountable.
If your credit report doesn’t reflect the truth—and you’ve tried to fix it without success—it may be time to speak with a credit report dispute lawyer in Los Angeles. Martin & Bontrager, APC is ready to help you demand the accuracy you deserve.
