Name Accuracy in Credit Reporting Act

This bill requires credit reporting agencies to use only a consumer's current legal name on credit reports after the consumer requests it. It directly affects individuals who have legally changed their names (e.g., through marriage or court order) but still see old names on their credit reports. The key provision mandates that agencies stop using any prior names upon receiving a consumer's written request, ensuring credit reports reflect the most up-to-date legal identity. This change removes outdated name information from credit reports without requiring additional consumer verification beyond the initial request.