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. 

[Congressional Bills 118th Congress]
[From the U.S. Government Publishing Office]
[S. 2592 Introduced in Senate (IS)]

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118th CONGRESS
  1st Session
                                S. 2592

 To amend the Fair Credit Reporting Act to require nationwide consumer 
 reporting agencies, upon request, to use the current legal name of a 
         consumer on consumer reports, and for other purposes.


_______________________________________________________________________


                   IN THE SENATE OF THE UNITED STATES

                             July 27, 2023

  Mr. Fetterman (for himself, Ms. Smith, Ms. Baldwin, Ms. Hirono, Mr. 
    Markey, Mr. Merkley, Mrs. Murray, Mr. Schatz, and Mr. Sanders) 
introduced the following bill; which was read twice and referred to the 
            Committee on Banking, Housing, and Urban Affairs

_______________________________________________________________________

                                 A BILL


 
 To amend the Fair Credit Reporting Act to require nationwide consumer 
 reporting agencies, upon request, to use the current legal name of a 
         consumer on consumer reports, and for other purposes.

    Be it enacted by the Senate and House of Representatives of the 
United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Name Accuracy in Credit Reporting 
Act''.

SEC. 2. REQUIREMENT TO USE THE CURRENT LEGAL NAME OF THE CONSUMER ON 
              CONSUMER REPORTS.

    Section 605(a) of the Fair Credit Reporting Act (15 U.S.C. 
1681c(a)) is amended by adding at the end the following:
            ``(9) With respect to a consumer reporting agency described 
        in section 603(p), any prior name of the consumer about whom 
        the report relates, other than the current legal name of the 
        consumer, after receiving a request from the consumer to use 
        only the current legal name of the consumer on all consumer 
        reports.''.
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