The Texas Business and Commerce Code requires that Texas consumers be given notice of their rights with written disclosure. You have the right to obtain a copy of your personal credit report from Experian online at www.experian.com/consumer, by calling 1 888 EXPERIAN (1 888 397 3742), or by writing to us at P.O. Box 2104, Allen, TX 75013. If you write to us, always include your full name including middle initial (and generation such as JR, SR, II, III); current mailing address; date of birth (month/date/year); and previous addresses for the past two years. Include one copy of a government issued identification card, such as a driver’s license, state ID card, military ID card, etc.; and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible (enlarge if necessary), displays your name and current mailing address, and the date of issue (statement dates must be recent). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions, or postal service forwarding orders as proof of your address and identity. To protect your personal information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. The fee for a credit report is $11.91 (includes tax).

You have the right to dispute information in your credit report that you believe is inaccurate. You may dispute online at www.experian.com/disputes, or by calling the toll-free number or writing to us at the address on your credit report. The account name and number and a specific reason why you believe the information is inaccurate should be included. Experian will verify disputed information with the source, which may take up to 30 days, or 45 days for information in an annual free credit report, and then notify the consumer of the results of the investigation.

You have a right to place a fraud security alert statement on your credit report that alerts anyone who reviews your credit information that your identity may have been used without your consent and requests that the reviewer verifies your identity before issuing credit. If an alert is added, approvals of credit, rental housing, insurance, employment, etc. requested by you may be delayed or rejected. You may request a security alert online at www.experian.com/fraud or by calling 1 888 EXPERIAN (1 888 397 3742). Consumers who add a 90-day security alert may request a complimentary copy of their report by visiting www.experian.com/initialfraudreport or by calling 1 800 360 7540. To remove a security alert, the consumer must submit the request in writing.

You also have a right to place a "security freeze" on your credit report, which will prohibit a consumer reporting agency from releasing any information in your credit report without your express authorization, except to those with whom you have an existing account or a collection agency acting on behalf of the existing account, for purposes of reviewing (account maintenance, monitoring, credit line increases and account upgrades and enhancements) or collecting the account. Your information may be used for the purposes of prescreening as provided for by the federal Fair Credit Reporting Act, even if a security freeze is on the report. A security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent; however, using a security freeze may delay, interfere with, or prohibit the timely approval of any subsequent requests or applications regarding a new loan, credit, mortgage, insurance, government services or payments, rental housing, employment, investment, license, cellular phone, utilities, digital signature, Internet credit card transaction, or other services, including an extension of credit at point of sale.

Requests for a security freeze should be submitted via certified mail to P.O. Box 9554, Allen, TX, 75013, and must include all of the following: a copy of a valid police or investigative report or complaint made under Section 32.51, Penal Code; your full name including middle initial (and generation such as JR, SR, II, III); current mailing address; date of birth (month/date/year); and previous addresses for the past two years. Include one copy of a government issued identification card, such as a driver’s license, state ID card, military ID card, etc.; and one copy of a utility bill, bank or insurance statement, etc. Make sure that each copy is legible (enlarge if necessary), displays your name and current mailing address, and the date of issue (statement dates must be recent). We are unable to accept credit card statements, voided checks, lease agreements, magazine subscriptions, or postal service forwarding orders as proof of your address and identity. To protect your personal information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents.

Within five business days of receiving the request, Experian will add the security freeze, and within ten business days, we will mail you a confirmation letter with a personal identification number (PIN) that will be required to temporarily lift or to remove the freeze. You may request in writing a replacement PIN by submitting via certified mail all of the information required for the initial security freeze.

To temporarily remove a security freeze to apply for credit or for any transaction that requires that another party access the consumer's credit report, log on to www.experian.com/freeze or call 1 888 EXPERIAN (1 888 397 3742), then enter your identification information and PIN. To temporarily remove a security freeze for a specific party, provide your PIN to the party you wish to grant access to your report.

To permanently remove a security freeze, log on to www.experian.com/freeze or call 1 888 EXPERIAN (1 888 397 3742). You also may write to us and provide all your identification information and PIN. If you write to us, always include a copy of your personal identification information and proof of your address as specified in this letter. The fee for permanently removing a security freeze is $10.83, including tax. There is no fee for victims of identity theft who provide a valid copy of an identity theft report filed with a law enforcement agency. Mail the requested information and payment to the address above.

Acceptable forms of payment to place or remove a security freeze are credit card, check and money order. If you submit your credit card information by mail, be sure to include the name exactly as it is displayed on the card, the credit card type, the credit card number and the expiration date. Accepted credit cards are American Express, Diners Club, Discover, MasterCard and VISA.

Texas consumers have a right to file action in court to enforce an obligation of a consumer reporting agency. Or, if agreed to by both parties, after the consumer has followed the normal dispute procedures and received their notice of the results of the investigation, the matter may be submitted to binding arbitration in the manner provided by the rules of the American Arbitration Association.