Restricciones sobre la información en informes de crédito

Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. (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 Title 11 of the United States Code or under the federal Bankruptcy Act in which the date of entry of the order for relief or the date of adjudication predates the consumer report by more than 10 years; (2) a suit or judgment in which the date of entry predates the consumer report by more than seven years or the governing statute of limitations, whichever is longer; (3) a tax lien in which the date of payment predates the consumer report by more than seven years; (4) a record of arrest, indictment, or conviction of a crime in which the date of disposition, release, or parole predates the consumer report by more than seven years; (5) a collection account with a medical industry code, if the consumer was covered by a health benefit plan at the time of the Statute text rendered on: 7/1/2024 - 583 - BUSINESS AND COMMERCE CODE event giving rise to the collection and the collection is for an outstanding balance, after copayments, deductibles, and coinsurance, owed to an emergency care provider or a facility-based provider for an out-of-network benefit claim; or (6) another item or event that predates the consumer report by more than seven years. (b) A consumer reporting agency may furnish a consumer report that contains information described by Subsection (a) if the information is