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:

• investigate the dispute for free within 30 days of receiving notice of the error
• provide the results of their investigation to the consumer in writing
• remove unverified or inaccurate information from the consumer's file
• leave the disputed information out of future reports

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. 

Texas Laws

Federal Laws

Understanding the Law

Start a Dispute

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.