When Errors Appear, Your Rights Come First

Credit reports are more than just numbers on a page—they can influence nearly every major financial decision in your life. But what happens when that report contains false information? For many in Los Angeles, these errors are more than frustrating—they’re damaging. Martin & Bontrager, APC works with clients whose lives have been disrupted by inaccurate credit reporting and inaction by credit bureaus or creditors.

The Fair Credit Reporting Act (FCRA) exists to give consumers the ability to challenge and correct misinformation. When that right is ignored, it’s time to act.

Common Mistakes That Trigger FCRA Violations

You might spot accounts you never opened, balances that were already paid, or someone else’s information showing up in your file. Sometimes, outdated data continues to appear long after it should’ve been removed. These errors can tank credit scores and delay important opportunities.

What’s worse, many people file disputes only to be met with silence—or a quick “verified as accurate” response that doesn’t fix anything.

Why Taking Legal Action Matters

The FCRA gives consumers the right to dispute inaccurate, incomplete, or unverifiable information on their credit reports. It also requires credit bureaus and data furnishers to conduct proper investigations. If they don’t, they can be held legally responsible.

At Martin & Bontrager, APC, we step in when the reporting system breaks down. We handle disputes, pursue damages for financial and emotional harm, and fight to restore your credit record to what it should be.

Real Help for Los Angeles Consumers

We’ve seen firsthand how frustrating it can be to deal with automated systems, ignored claims, and repeated errors. That’s why our approach focuses on the real impact these issues have had on your life—not just the paperwork. Whether you’ve been denied a mortgage, lost out on a job, or are dealing with collector calls for debts you don’t owe, we’re ready to build a response that fits your case.

If your credit report isn’t accurate and your disputes haven’t solved the issue, it may be time to speak with a Fair Credit Reporting Act lawyer in Los Angeles. Martin & Bontrager, APC is here to take that burden off your shoulders.