Credit Report Dispute Letter in Texas
Dispute an error on your credit report with a credit bureau. Under the federal Fair Credit Reporting Act (15 U.S.C. § 1681i), the bureau generally must investigate and correct or delete information it cannot verify. Attach copies of proof, not originals.
What Texas law says
| Medical debt protections | A consumer reporting agency may not report a medical collection account if the consumer had health coverage and the balance (after copays, deductibles and coinsurance) is owed to an emergency care provider or facility-based provider for an out-of-network claim. Medical information may not be included in reports for credit, insurance or marketing purposes without the consumer's consent. |
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[today's date]
To: [credit bureau name and dispute address]
From: [your full name], [your address], date of birth [date of birth]
I am disputing the following information in my credit report: [creditor or collector name], account [last 4 digits of account], reported as [what is wrong].
This is inaccurate because [reason it is wrong]. I have enclosed [copies of documents].
Please investigate and correct or delete this information, and send me an updated copy of my report.
[your name]
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General legal information, not legal advice. Laws change and local rules can differ; check the linked official source or talk to a lawyer about your situation.