US HB7588

Requires consumers submitting complaints to the Consumer Financial Protection Bureau (CFPB) to attest under penalty of perjury that information is true, the complaint is submitted by the consumer or an authorized representative, and the consumer notified the financial company of the issue at least 60 days before filing with the CFPB

Authorizes financial companies to close complaints without further action if they determine the complaint is duplicative, frivolous, unauthorized, fraudulent, or if the company was not given the required 60-day notice or already resolved the issue

Mandates the CFPB Director notify consumers if complaints were filed in their name without authorization and provide the unauthorized filer's identity to the affected financial company

Requires the CFPB to keep complaint narratives from consumers and company responses confidential rather than publicly viewable, while allowing publication of aggregated, anonymized data and trend analyses

Defines acceptable proof of identification for authorized representatives as Social Security numbers/cards, certified birth certificates, or government-issued IDs such as driver's licenses