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Fair Credit Reporting Act

The Fair Credit Reporting Act (FCRA) is a federal law or statute that promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Consumer reporting agencies include credit bureaus (Experian, Equifax, TransUnion), and specialty agencies that sell information about consumers' check writing histories, employment histories, insurance claims, medical records or payments, and residential or tenant history.

The FCRA is located in the United States Code at 15 U.S.C. §§1681-1681u. Banks and other financial institutions are generally not considered consumer reporting agencies under the FCRA—but depending on how similar their information-sharing practices are to those of a consumer reporting agency, they can be required to comply with the FCRA.

A consumer can exercise many of the rights provided by the FCRA through the websites of the three main credit reporting agencies:,, and The toll-free telephone numbers for the credit reporting agencies are: Experian (1-888-397-3742); Equifax (1-888-548-7878); and TransUnion (1-800-916-8800).

States may enforce the FCRA, and many states have their own consumer reporting laws. In some states, consumers may have more rights under state law. For more information, contact your state or local consumer protection agency or your State Attorney General's office.

The Fair Credit Reporting Act (FCRA) is a federal law that ensures the accuracy, fairness, and privacy of consumer information held by consumer reporting agencies, which includes credit bureaus and specialty agencies. While banks and financial institutions are not typically classified as consumer reporting agencies, they may be subject to the FCRA if their practices are similar to those of a consumer reporting agency. In Texas, as in other states, the FCRA is the primary law governing consumer reporting, but Texas may also have additional state laws that provide further protections for consumers. Consumers in Texas can exercise their rights under the FCRA by contacting the three main credit reporting agencies—Experian, Equifax, and TransUnion—either through their websites or toll-free telephone numbers. For more information about the FCRA or additional state-specific consumer reporting laws, Texas residents can reach out to the Texas Attorney General's office or state consumer protection agencies.

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Demystifying the Fair Credit Reporting Act (FCRA) and State Equivalents
The FCRA’s purpose is to regulate the collection, dissemination, and use of consumer credit information and outline creditor/debtor rights and responsibilities.