HB 5434

credit bureaus email you when they fix your file

Died in committee

Verdict: No flags

No flagsInitial review

Initial review · graded Oct 20, 2026 · Headline, summary and grade are analysis of the bill text, not a finding about any person · How we grade

Caption

relating to requiring consumer reporting agencies to notify a consumer when inaccurate information in the consumer's file is corrected.

Caption from analyzed text · version I.

Summary

Within 30 business days, with a free corrected report.

The bill requires a consumer reporting agency that corrects inaccurate information in a person's file to email that person, within 30 business days, a link to get a free corrected copy of their credit report. It touches consumer reporting agencies and Texans who have errors fixed in their credit files, but only those who gave the agency an email address for that purpose. Starting with corrections submitted on or after September 1, 2025, affected consumers get a free corrected report link instead of having to chase one down.

Labels

Labels: NEVER GOT A HEARING. Filed Mar 14, 2025 and referred to the House Trade, Workforce & Economic Development committee. No public hearing. The bill died.

Receipt

The receipt

89R-HB5434 · 2025-03-14

SOLD BY

Rep. Mihaela PlesaDHouse 70

ITEM

relating to requiring consumer reporting agencies to notify a consumer when inaccurate information in the consumer's file is corrected.

WHAT IT DOES

Within 30 business days, with a free corrected report.

CHARGES

[ ] NONE FOUND

TOTAL

No fiscal note in the loaded record.

HISTORY

Mar 14, 2025Filed
Apr 7, 2025Read first time
Apr 7, 2025Referred to Trade, Workforce & Economic Development

FILED UNDER

No verified beat found.

No flags

THANK YOU FOR CHECKING THE RECEIPT

CAMPAIGN PAID FOR BY

Mihaela Plesa

Donors

Texas REALTORS Political Action Committee$79K Texas Trial Lawyers Association PAC$55K TexBlue Media PAC$33K

Not tied to this bill.

Sources

The author's campaign account only. Own money and internal transfers are separate on the member page.

Derived itemized flow · Oct 27, 2024 to Oct 24, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Texas REALTORS Political Action Committee$79,480.35

Texas REALTORS Political Action Committee

$79,480.35

Cash: $37,500.00
Paid by others: $41,980.35
Total: $79,480.35

mail $33,992.76digital $4,945.63text $2,016.96advertising $525.00fundraiser $500.00

Also funds 140 other sitting lawmakers.

Derived recipient stock · Jul 2, 2024 to Oct 24, 2026. State data as of Nov 4, 2026.

TEC account match.

Team

Sources

Derived itemized flow · Oct 31, 2024 to Oct 20, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101012300, 101032600, 101059513, 101069108, 101072533.

Texas Trial Lawyers Association PAC$55,000.00

Texas Trial Lawyers Association PAC

$55,000.00

Cash: $55,000.00
Paid by others: $0.00
Total: $55,000.00

Also funds 137 other sitting lawmakers.

Derived recipient stock · Jul 24, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team

Sources

Derived itemized flow · Dec 11, 2024 to Sep 21, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101012300, 101032600, 101059513, 101069108.

TexBlue Media PAC$32,511.00

TexBlue Media PAC

$32,511.00

Cash: $0.00
Paid by others: $32,511.00
Total: $32,511.00

advertising $32,511.00

Also funds 0 other sitting lawmakers.

Derived recipient stock · Sep 25, 2026 to Sep 27, 2026. State data as of Nov 4, 2026.

TEC account match.

Sources

Derived itemized flow · Sep 25, 2026 to Sep 27, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101072533.

Money

Missing data does not establish zero giving. Display amounts are rounded.

Texas REALTORS Political Action Committee

$79,480.35

Cash: $37,500.00
Paid by others: $41,980.35
Total: $79,480.35

mail $33,992.76digital $4,945.63text $2,016.96advertising $525.00fundraiser $500.00

Also funds 140 other sitting lawmakers.

Derived recipient stock · Jul 2, 2024 to Oct 24, 2026. State data as of Nov 4, 2026.

TEC account match.

Team

Sources

Derived itemized flow · Oct 31, 2024 to Oct 20, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101012300, 101032600, 101059513, 101069108, 101072533.

Texas Trial Lawyers Association PAC

$55,000.00

Cash: $55,000.00
Paid by others: $0.00
Total: $55,000.00

Also funds 137 other sitting lawmakers.

Derived recipient stock · Jul 24, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team

Sources

Derived itemized flow · Dec 11, 2024 to Sep 21, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101012300, 101032600, 101059513, 101069108.

TexBlue Media PAC

$32,511.00

Cash: $0.00
Paid by others: $32,511.00
Total: $32,511.00

advertising $32,511.00

Also funds 0 other sitting lawmakers.

Derived recipient stock · Sep 25, 2026 to Sep 27, 2026. State data as of Nov 4, 2026.

TEC account match.

Sources

Derived itemized flow · Sep 25, 2026 to Sep 27, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101072533.

Votes

No floor vote loaded for this bill.

Fiscal

No fiscal note in the loaded record.

How this was graded

Analysis of text version I by claude-opus-5-5, Oct 20, 2026, against the published rubric.

Sources

Texas House · Filed Mar 14, 2025

04/07/2025 H Referred to Trade, Workforce & Economic Development: Apr 7 2025 5:28PM

Texas Legislature Online · Introduced

Data snapshot Oct 26, 2026 at 4:20 AM CDT. Grades, charges, quotes and corrections follow the published record.

House committee · Trade, Workforce & Economic Development · Final status: Died in committee

Companion

SB 606 by West (identical)

SB 695 by West (identical)

Subjects

Business & Commerce--General

Financial--General

CONSUMER REPORTING AGENCIES

EMAIL & ELECTRONIC COMMUNICATIONS

Text

The text as introduced · 209 words

89R2819 RAL-F

By: Plesa
H.B. No. 5434

A BILL TO BE ENTITLED

AN ACT

relating to requiring consumer reporting agencies to notify a

consumer when inaccurate information in the consumer's file is

corrected.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:

SECTION 1. Section 20.07, Business & Commerce Code, is

amended by amending Subsection (b) and adding Subsection (c) to

read as follows:

(b) The consumer [ credit ] reporting agency which receives a

correction shall have reasonable procedures to assure that

previously reported inaccurate information in a consumer's file is

corrected in a prompt and timely fashion.

(c) If a consumer provides the consumer reporting agency an

e-mail address for that purpose, the agency shall, not later than

the 30th business day after the date on which the agency corrects

inaccurate information in the consumer's file, e-mail the consumer

a link to an Internet website that allows the consumer to securely

obtain a corrected copy of the consumer's credit report at no cost

to the consumer.

SECTION 2. The change in law made by this Act applies only

to a correction submitted to a consumer reporting agency on or after

the effective date of this Act.

SECTION 3. This Act takes effect September 1, 2025.