When Credit Reporting Agencies Get It Wrong
In Los Angeles, consumers depend on accurate credit reports to access financial opportunities. But when errors appear—whether due to clerical mistakes, identity theft, or careless reporting—the effects can be long-lasting. Martin & Bontrager, APC represents individuals whose rights under the Fair Credit Reporting Act (FCRA) have been violated, and who are ready to take legal action to correct the record.
A flawed credit report can mean higher interest rates, denied housing applications, or lost job offers. These consequences are real, and they deserve real legal attention.
Common Violations That Affect Your Credit
Some of the most frequent problems involve accounts that don’t belong to you, incorrect payment statuses, outdated debts, or duplicate listings. In some cases, a consumer’s file is mixed with someone else’s due to similar names or Social Security numbers. These issues often go unresolved even after a formal dispute is filed with the credit bureaus.
Under the FCRA, both credit reporting agencies and the companies that furnish data are legally required to maintain accurate information and investigate errors when they are reported.
What Happens When Disputes Are Ignored
Too often, consumers submit disputes only to receive a quick response claiming the information is “verified,” even when the facts suggest otherwise. This lack of investigation can leave incorrect information on your record for years.
Martin & Bontrager, APC helps Los Angeles residents take action when the dispute process fails. If credit bureaus or furnishers of information don’t comply with the FCRA, they can be held financially liable.
Taking Back Control of Your Credit File
We understand how frustrating it can be to deal with repeated credit errors that impact your life. Our firm focuses on helping you correct the problem through direct legal action. Whether your credit was harmed by fraud, reporting mistakes, or corporate negligence, we aim to restore your record and seek compensation for the damage done.
If you’ve hit a wall with the credit bureaus and your report is still wrong, working with an FCRA attorney in Los Angeles can be the next step toward relief. Martin & Bontrager, APC is here to help you reclaim accuracy, accountability, and peace of mind.
