Disputing a Credit Report Error in Texas
There's an error on my credit report — here's what Texas law says and what to do next.
Statute: Tex. Bus. & Com. Code § 20.01 et seq. (Texas Credit Reporting Laws) and Tex. Bus. & Com. Code § 17.41 et seq. (Texas Deceptive Trade Practices Act)
Deadline: 30 days
Penalty: Texas has specific credit reporting laws and the Texas DTPA provides for actual damages, treble damages for knowing violations, and attorney fees. The Texas Attorney General may also pursue civil penalties up to $10,000 per violation
What is disputing a credit report error?
For most of the 20th century, credit bureaus were closed shops — they kept files on you, sold them to lenders, employers, and landlords, and you had no way to even see what was in there. The Fair Credit Reporting Act (1970) cracked that open: you have the right to see your file, dispute what's wrong, and have inaccurate items corrected or removed.
Since September 2023, free weekly reports from all three bureaus — Equifax, Experian, and TransUnion — at AnnualCreditReport.com are permanent. Most negative information drops off after seven years; bankruptcies stay for ten. When you dispute something, the bureau has 30 days to investigate (45 if you send extra documents). If they can't verify the entry, they have to remove it. Your report decides whether you can get a loan, an apartment, or in many states even a job — it's worth checking.
What to Do If Your Credit Report Has Errors
Step 1: Pull all three. Go to AnnualCreditReport.com — it's the only site Congress actually authorized for the free reports. Equifax, Experian, and TransUnion all keep separate files and they don't always match.
Step 2: Read line by line. Look for accounts you don't recognize (could be identity theft or a "mixed file" with someone of a similar name), wrong balances, wrong dates of last activity, and old items that should have aged off after seven years.
Step 3: Dispute the errors. File directly with each bureau that's reporting the bad data. Online works for clean cases; for anything complicated, send a written dispute by certified mail with copies (never originals) of your supporting documents.
Step 4: Wait out the 30 days. The bureau has to investigate and respond within 30 days (45 if you provide more documents mid-investigation). If they can't verify, they have to remove or correct.
Step 5: If you lose, escalate. You can add a 100-word consumer statement to your report explaining your side, and you can file a complaint with the CFPB at consumerfinance.gov/complaint. Repeated FCRA violations are also private lawsuits — actual damages plus up to $1,000 statutory, with attorney's fees.
How Texas differs from federal law
Texas follows federal FCRA standards with some additional state protections:
- Texas Business & Commerce Code § 20: Establishes state-level credit reporting requirements and supplements the federal FCRA.
- Security freeze: Texas residents can place, lift, and remove credit freezes for free (Tex. Bus. & Com. Code § 20.034). Freezes must be placed or removed within 3 business days of the request.
- Identity theft protections: Texas allows identity theft victims to place a security alert lasting at least 7 years and requires credit bureaus to block information resulting from identity theft within 4 business days (Tex. Bus. & Com. Code § 20.035).
- No state-level employer credit check ban: Unlike some states, Texas does not restrict employers from using credit reports in hiring decisions. Federal FCRA rules still apply (written consent required).
Additional steps in Texas
File complaints with the Texas Attorney General Consumer Protection Division at texasattorneygeneral.gov or call (800) 621-0508. You can also file with the CFPB.
What you should NOT do
Don't pay for "credit reports" from other sites. Most of them sign you up for $20-a-month monitoring you don't need. AnnualCreditReport.com is the only federally authorized free source.
Don't skip the small errors. A wrong address or a misspelled name can be the early sign of a mixed file — your data tangled with someone else's. Dispute it before it grows into something worse.
Don't hire "credit repair" companies that promise to remove accurate negative items. No one — not them, not a lawyer — can lawfully delete an accurate, in-date entry. The Credit Repair Organizations Act bars upfront fees for these services for a reason.
Don't use online dispute portals for serious cases. The forms limit what you can say and waive certain rights to sue under FCRA in some interpretations. For identity theft or mixed files, mail a written dispute with supporting documentation.
You shouldn't have to hire a lawyer to assert your rights.
Answer a few questions. We generate a personalized credit dispute citing Texas's exact statute, deadline, and penalties — ready to print and send in minutes.
Lawyers charge $350+. Your letter: $19.
Generate your credit dispute →This page is general legal information for Texas, not legal advice for your specific situation. Laws change, and how a statute applies depends on facts we don't know. For advice on your matter, consult a licensed attorney in Texas.