Understanding the Fair Credit Reporting Act in California: A Guide by Martin & Bontrager, APC

Navigating the complexities of financial law can be a daunting task. One area that garners significant attention is the Fair Credit Reporting Act (FCRA). At Martin & Bontrager, APC, we specialize in advocating for consumers who are facing issues related to credit reporting. In this article, we focus on the key legalities of the FCRA in California.

What is the Fair Credit Reporting Act?

The FCRA is a federal law that regulates how consumer credit information is collected, shared, and used. This legislation is crucial in ensuring that consumers are treated fairly by credit reporting agencies and the entities that provide them with financial information.

California-Specific Provisions

While the FCRA is a federal act, California has its own set of laws that further protect consumers. The California Consumer Credit Reporting Agencies Act (CCRAA) is an important state law that complements the FCRA. This state-specific legislation provides additional rights and protections to consumers, often enhancing the scope of the federal law.

Rights Under FCRA and CCRAA

Consumers are entitled to various rights under the FCRA and the CCRAA, including:

  • The right to one free credit report per year
  • The right to dispute inaccurate information
  • The right to seek damages for willful or negligent non-compliance by reporting agencies

Why You May Need Legal Help

Mistakes on credit reports are not uncommon and can result in severe consequences, including higher interest rates or even loan denial. That’s why it is critical to have qualified FCRA lawyers in Los Angeles by your side to guide you through the legal landscape. At Martin & Bontrager, APC, we offer specialized guidance and robust legal strategies for clients facing credit reporting issues.


Understanding the Fair Credit Reporting Act and California’s additional regulations is crucial for consumers looking to maintain financial health. At Martin & Bontrager, APC, we can assist you in navigating these complicated laws to ensure your rights are upheld. For specialized legal counsel, contact us today.