# Plain Language Summary: Name Accuracy in Credit Reporting Act

This bill requires credit reporting agencies to use your current legal name on your credit report when you ask them to. Right now, these agencies often keep old names on file—whether that's a maiden name, a name from before you changed it, or any previous name you've gone by. This bill says that if you request it, the major credit reporting agencies must remove those old names and only show your current legal name going forward.

The practical impact is straightforward: if you've changed your name for any reason—whether through marriage, divorce, a legal name change, or any other circumstance—you can ask the credit bureaus to clean up your file. This matters because having multiple names on your credit report can cause real problems. Lenders, employers, and landlords might get confused when they see different names associated with the same person, which could affect loan approvals, job applications, or rental decisions. It can also make it harder for you to dispute errors if information is scattered across different name variations in the system.

The bill specifically targets the big three credit reporting agencies (Equifax, Experian, and TransUnion) that compile credit reports used nationwide. Once this law passes, you'd have the right to contact them and request that they use only your current legal name on all your credit reports. This is particularly important for people who've experienced name changes and want a clean, accurate record that reflects who they are today, not who they used to be.

Name Accuracy in Credit Reporting Act

Name Accuracy in Credit Reporting Act This bill prohibits, upon a consumer's request, a credit reporting agency from including on a consumer credit report a consumer's prior name after a legal name change.