Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
Response to Complaint XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Bounce AI , Inc . 
Attn : Compliance Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Dispute of Debt Reference ID : XXXX To Whom It May Concern, Thank you for your response dated XX/XX/XXXX. However, I must reiterate and further clarify that your continued reporting of this debtdespite multiple formal disputes, the submission of an FTC Identity Theft Report ( # XXXX ), a sworn identity theft affidavit, XXXX police reports, a XXXX XXXX XXXX Report ( # XXXX ), and multiple written statementsconstitutes an ongoing failure to comply with your obligations under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Clarification of the Fraudulent Activity : While I did open an account with XXXX XXXX in XX/XX/XXXX, I never utilized the line of credit, and no charges or activity occurred for nearly XXXX years. Then suddenly, the line of credit was drawn upon for approximately XXXX XXXX activity that occurred without my knowledge or consent. The unauthorized access to this line of credit without my knowledge or consent were the direct result of identity theft committed by a close family member who had access to sensitive information. 

You state that payments were made to the account in XXXX. What you have failed to provide is how those payments were made, from what financial accounts, and who initiated those payments. The fact that there are only XXXX small payments of {$250.00} each which, based on the limited statements provided are {$1500.00} less than the minimum recommended payment, further supports the assertion that these transactions were not legitimate. It is highly likely that the individual who committed the identity theft used stolen funds from XXXX of my other compromised accounts in order to keep the line of credit active and available for continued abuse. 

Your assumption that identity theft must relate only to the origination of the account is flawed. Identity theft commonly involves post-authorization fraud, especially in cases involving people close to the victim. My claim is not about the opening of the accountit is about the unauthorized and fraudulent use of the account and associated funds years after account creation. 

XXXX XXXX : In your letter, you state the account " first went delinquent on XX/XX/XXXX and was then charged off on XX/XX/XXXX. '' This is a clear contradiction, as an account can not be charged off before it becomes delinquent. This inconsistency further calls into question the accuracy and reliability of the information you are using to verify this debt. 

Outstanding Validation Items : Despite this being my seventh written dispute, you have failed to provide the following federally required documentation : XXXX. Proof of Ownership Clear documentation showing the chain of title and lawful transfer of the alleged debt from XXXX XXXX XXXX to Bounce AI, including dates, transfer terms, and copies of all related agreements. 

XXXX. Fraud Investigation Documentation A complete and documented investigation conducted in accordance with 15 U.S.C. 1681s2 ( b ), including your communications with the original creditor and any findings from a review of the unauthorized transactions. 

To date, you have only provided a standard copy of the original credit agreement from XXXX and a few balance statements. You have failed to provide any documentation specific to the activity that is in disputethe fraudulent usage of this line of credit and the absence of my consent or knowledge in those transactions. 

Legal Standing and Next Steps : Continued reporting of this unverifiable, disputed debt without adequate validation and a full fraud investigation is a violation of the following : 15 U.S. Code 1681s2 ( b ) Failure to conduct a reasonable investigation upon notice of a dispute. 

15 U.S. Code 1692g ( b ) Failure to provide proper debt validation.

15 U.S. Code 1692e ( 8 ) Reporting false or disputed information to a credit bureau without noting it as disputed.

15 U.S. Code 1692f Engaging in unfair or unconscionable means to collect a debt.

If this matter is not resolved appropriately I will be left with no choice but to continue filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), XXXX XXXX general 's office and the XXXX XXXX XXXX  Attorney Generals Office. I will also explore further legal remedies under the FCRA and FDCPA, including the pursuit of injunctive relief and damages for ongoing harm to my credit and reputation. 

Please provide the specific documentation requested above and a written explanation of your findings, including clarification on the contradictory dates you provided.

Company response to consumer: Closed with explanation