Your credit report can influence more than just a loan application—it can affect your housing, employment, and financial opportunities. When inaccurate information appears on your report or your rights are ignored during the dispute process, the Fair Credit Reporting Act (FCRA) offers a legal remedy. At Martin & Bontrager, APC, we assist individuals in Los Angeles who are dealing with credit reporting issues that violate their rights under federal law.

What the FCRA Is Meant to Do

The FCRA was established to promote fairness, accuracy, and privacy in the handling of consumer credit information. It regulates how credit bureaus collect and share data, and it also outlines what creditors and information furnishers must do when disputes arise. Consumers have the right to know what’s on their reports and to challenge errors through a formal process. When these rights are ignored, the law provides a path for legal action.

How Credit Inaccuracies Affect You

Even a single error—like a paid account listed as delinquent or someone else’s debt showing up under your name—can cause real harm. You might be denied a mortgage, turned down for a job, or face higher interest rates. These issues can feel overwhelming, especially when credit bureaus or creditors dismiss your concerns. Fortunately, the FCRA holds these entities accountable when they fail to respond appropriately.

When Disputes Go Unanswered

After submitting a written dispute, the credit reporting agencies and data furnishers must conduct a reasonable investigation. If they refuse to investigate, fail to correct the issue, or continue reporting inaccurate information, they could be in violation of the FCRA. At Martin & Bontrager, APC, we work to ensure that your dispute is taken seriously and that those responsible for the errors are held accountable for the harm caused.

Asserting Your Rights Under the FCRA

You don’t have to tolerate inaccurate or outdated information on your credit report. The FCRA provides you with tools to challenge errors and pursue compensation if those errors cause you financial or reputational harm. Martin & Bontrager, APC represents clients across Los Angeles in disputes involving credit bureaus and creditors—helping individuals take control of their credit records and move forward with confidence.