The San Antonio–New Braunfels metro area had about 2.8 million people in the Census Bureau's 2025 estimate, the 24th-largest in the country. Bexar County is at its center, with Comal, Guadalupe, Medina, Wilson, Atascosa, Kendall and Bandera counties around it.
From an apartment near downtown San Antonio to a new house in Comal County or a truck loan in Seguin, credit reports drive approvals and pricing across the region. A late payment that never happened, a debt that belongs to a family member with the same name, or an account still shown as open after it was paid can lower a score and raise what you pay. The Fair Credit Reporting Act requires Equifax, Experian and TransUnion to use reasonable procedures for accuracy. When you dispute an item, the bureau generally must reinvestigate within 30 days and forward your dispute to the company that reported it. That company must investigate as well.
FCRA cases from all eight metro counties are filed in the U.S. District Court for the Western District of Texas, San Antonio Division. The division's courthouse is at 262 West Nueva Street in downtown San Antonio. New Braunfels is not a federal court location, so Comal County cases are also heard in San Antonio. The FCRA also allows filing in state court.
Where San Antonio FCRA cases are filed
FCRA claims are federal, so they go to a United States District Court. Cases from San Antonio are heard in one federal district:
- Western District of TexasAll eight metro counties: Bexar, Comal, Guadalupe, Medina, Wilson, Atascosa, Kendall and Bandera (San Antonio Division). Courthouses: San Antonio.Our attorneys are admitted here
Local and state rules in San Antonio
- City of San Antonio hiring policy (City of San Antonio administrative action (City Manager memorandum following December 7, 2016 Governance Committee recommendation))
City of San Antonio civilian job applications do not ask about criminal history; inquiries wait until after a conditional offer, followed by an individualized assessment. Police and fire jobs are excluded. It is an internal policy for city jobs and does not regulate private employers. Read it
State law also applies: see Texas Credit Report Error Lawyers.
Common credit report errors
- Accounts that aren't yours, including mixed-file and identity theft accounts
- Late payments you didn't make, or payments not credited
- Paid, settled or discharged debts still shown as owed
- Collections reported past the seven-year limit or re-aged
- A deceased indicator on a living person's file
Learn how these cases work on our credit report lawsuits page, or read our lawsuit guides for Equifax, Experian and TransUnion.
Frequently asked questions
I live in New Braunfels. Where would my federal FCRA case be heard?
Comal County is in the Western District of Texas's San Antonio Division. Cases from that division are heard at the federal courthouse in downtown San Antonio. Guadalupe, Kendall and the other metro counties are in the same division.
A relative with my name has debts showing on my credit report. What can I do?
Credit bureaus sometimes mix the files of family members with similar names, especially a parent and child with the same name. You can dispute each account that is not yours. The bureau must reinvestigate and delete what it cannot verify, and if the mix-up continues you may have an FCRA claim.
Can I get my credit reports for free?
Yes. You can get free credit reports from Equifax, Experian and TransUnion through AnnualCreditReport.com. If you are denied credit or housing based on a report, you also have the right to a free copy from the company that supplied it if you ask within 60 days.
How long do I have to file an FCRA lawsuit in San Antonio?
FCRA deadlines are the same everywhere: generally two years from when you discover the violation, and no more than five years from when it happened (15 U.S.C. § 1681p). Waiting can cost you the claim.
Sources
- U.S. Census Bureau, Metropolitan and Micropolitan Statistical Area Population Totals: 2020–2025
- U.S. District Court for the Western District of Texas, Jurisdiction and Venue
- 28 U.S.C. § 124 (judicial districts of Texas)
- Texas Legislature, HB 2127 (88th Legislature), enrolled text
- Third Court of Appeals, State of Texas v. City of Houston, No. 03-23-00531-CV (docket)
- 15 U.S.C. § 1681b (employment reports)
- 15 U.S.C. § 1681c (limits on reporting old information)
- 15 U.S.C. § 1681m (adverse action notices)
- 15 U.S.C. § 1681i (disputes and reinvestigation)
- Consumer Financial Protection Bureau, free credit reports
- National Employment Law Project, Ban the Box: U.S. Cities, Counties, and States Adopt Fair-Chance Policies (Oct. 2021)
Updated November 2026. This page is general information, not legal advice.