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

HB 5434 requires credit bureaus to notify consumers via email when inaccurate information in their credit report is corrected, if the consumer provides an email address. Specifically, bureaus must send a secure link to a free corrected report within 30 business days of the correction. This directly affects consumers whose credit reports contained errors that were later fixed. The law applies only to corrections made on or after its effective date of September 1, 2025, and ensures consumers can access their updated report at no cost.