Texas
V.T.C.A., Bus. & C. § 20.03
§ 20.03. Disclosures to Consumers
Experian Information Solutions
P.O. Box 9701
Allen, TX 75013
Phone: 888 EXPERIAN (888 397 3742)
Website: https://experian.com
Your rights under Texas law include:
You may obtain a copy of your consumer report or file from a consumer reporting agency. Upon request and with proper identification provided by you, the agency must disclose to you in writing all information about you in their file at the time of the request. The agency may charge a reasonable fee for a file disclosure request. However, the agency may not charge for such a request if made within 60 days of an adverse action taken against you.
You may dispute incomplete or inaccurate information in your file. If you identify information in your file that you believe is incomplete or inaccurate, and you notify the consumer reporting agency directly of the dispute, the agency must reinvestigate without charge and record the current status of the disputed information before the end of 30 business days. A consumer reporting agency may terminate a reinvestigation of disputed information if the agency determines that the dispute is frivolous or irrelevant.
You may file a legal action in court to enforce an obligation of a consumer reporting agency. Or, if agreed to by both parties, after following the normal dispute procedures and receiving notice of the results of the dispute investigation, you may submit the matter to binding arbitration in the manner provided by the rules of the American Arbitration Association.