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If you find an error on your credit report, you can ask the credit reporting agency to fix the mistake. Texas and federal law require the consumer reporting agency to do the following:
If the credit reporting company will not remove the error, you may want to file a complaint with the Consumer Financial Protection Bureau or speak with a lawyer about filing a lawsuit.
The three major credit reporting companies allow you to start the dispute process online. Check the company's website for more information about disputing an error as each may have slightly different processes.