When your identity is stolen, the damage can be swift and wide-reaching. Fraudulent charges, new accounts opened in your name, and false information reported to credit bureaus can all stem from a single breach. At Martin & Bontrager, APC, we help individuals in Los Angeles take legal action after falling victim to credit and identity theft.
How Identity Theft Impacts Your Credit
Once someone gains access to your personal information, they can exploit it in multiple ways—opening credit cards, applying for loans, or making purchases that go unpaid. These fraudulent activities are often reported to credit bureaus, damaging your score and making it appear as if you are responsible for debts that aren’t yours. The consequences can follow you for years, affecting your ability to rent an apartment, get approved for financing, or pass background checks.
When Disputes Aren’t Enough
Victims often start the recovery process by filing police reports, notifying credit bureaus, and placing fraud alerts. But even after taking these steps, false information may remain on your credit report. In some cases, credit reporting agencies fail to conduct proper investigations, or creditors continue to validate debts that were clearly the result of fraud. That’s when legal intervention becomes necessary.
Your Rights Under Federal Law
Laws such as the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) offer legal avenues for those who have been harmed by inaccurate credit reporting and unlawful collection tactics. These laws require credit bureaus to correct false information and restrict debt collectors from pursuing fraudulent accounts. At Martin & Bontrager, APC, we help clients enforce these rights and pursue damages when necessary.
Building a Path Toward Resolution
The legal process starts with gathering documents, disputing inaccurate entries, and establishing a timeline of events. With proper documentation and a focused approach, individuals can seek to remove false accounts, stop collections on fraudulent debts, and repair their credit reputation. Martin & Bontrager, APC provides support to Los Angeles residents who are dealing with the aftermath of identity theft—helping them regain control and move forward with confidence.
