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State Law
Federal Law
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Texas Business & Commerce Code - Chapter 20 Regulation Of Consumer Credit Reporting AgenciesLegal Research Home > Texas Lawyer > Business & Commerce Code > Texas Business & Commerce Code - Chapter 20 Regulation Of Consumer Credit Reporting Agencies In this chapter: (1) "Adverse action" includes: (A) the denial of, increase in a charge for, or reduction in the amount of insurance for personal, ... (a) A consumer reporting agency may furnish a consumer report only: (1) in response to a court order issued by a court with proper jurisdiction; ... (a) In this section, "check verifier" means any business offering check verification or check guarantee services in this state. (b) On request and proper identification ... (a) On request and proper identification provided by a consumer, a consumer reporting agency shall disclose to the consumer in writing all information pertaining to ... On a request in writing or by telephone and with proper identification provided by a consumer, a consumer reporting agency shall place a security alert ... A consumer reporting agency shall notify a person who requests a consumer report if a security alert is in effect for the consumer file involved ... A consumer reporting agency shall maintain a toll-free telephone number that is answered at a minimum during normal business hours to accept security alert requests ... (a) On written request sent by certified mail that includes proper identification provided by a consumer and a copy of a valid police report, investigative ... If a security freeze is in place, a consumer reporting agency shall notify the consumer in writing of a change in the consumer file to ... A consumer reporting agency shall notify a person who requests a consumer report if a security freeze is in effect for the consumer file involved ... (a) On a request in writing or by telephone and with proper identification provided by a consumer, including the consumer's personal identification number or password ... A security freeze does not apply to a consumer report provided to: (1) a state or local governmental entity, including a law enforcement agency or ... The requirement under this chapter to place a security alert or security freeze on a consumer file does not apply to: (1) a check service ... A consumer reporting agency shall honor a security freeze placed on a consumer file by another consumer reporting agency. Added by Acts 2003, 78th Leg., ... (a) Except as provided by Subsection (b), a consumer reporting agency may impose a reasonable charge on a consumer for the disclosure of information pertaining ... (a) Except as provided by Subsection (b), a consumer reporting agency may not furnish a consumer report containing information related to: (1) a case under ... (a) If the completeness or accuracy of information contained in a consumer's file is disputed by the consumer and the consumer notifies the consumer reporting ... (a) A consumer reporting agency shall provide a person who provides consumer credit information to the agency with the option of correcting previously reported inaccurate ... (a) An action to enforce an obligation of a consumer reporting agency to a consumer under this chapter may be brought in any court as ... (a) A consumer reporting agency that wilfully violates this chapter is liable to the consumer against whom the violation occurs for the greater of three ... An action taken under this chapter does not prohibit a consumer from taking any other action authorized by law except that a credit reporting agency ... (a) The attorney general may file a suit against a person for: (1) injunctive relief to prevent or restrain a violation of this chapter; or ... A violation of this chapter is a false, misleading, or deceptive act or practice under Subchapter E, Chapter 17. Added by Acts 2003, 78th Leg., ... An action brought under this chapter shall be filed in a district court: (1) in Travis County; (2) in any county in which the violation ... Texas Lawyers
Last modified: August 10, 2007 |