Consumer complaint received 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Bounce AI, Inc.
State: WI

Complaint narrative:
Re : Dispute of Reporting & Request for Deletion Account Number : XXXX Reference Number : XXXX Original Creditor : XXXX XXXX To Whom It May Concern, I am formally disputing the Bounce AI collection account reporting on my credit report under account number XXXX. The information you are furnishing is inaccurate, incomplete, unverified, and legally unauthorized. I am requesting immediate deletion under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) for the reasons outlined belowXXXX XXXX does not own the debt and has provided no proof of any legal authority In your verification letter dated XX/XX/XXXX, you list : Original Creditor : XXXX XXXX Current Creditor : XXXX XXXX You provided no bill of sale, no assignment, no transfer of rights, and no document showing XXXX XXXX granted Bounce AI : Collection authority Ownership The right to report to credit bureaus Under FCRA 623 and FDCPA 809 ( b ), a debt collector must prove they have the legal right to collect and furnish information. You have not provided this documentation. 

Because no assignment or transfer was provided, your furnishing is unauthorized and must be deletedThe itemized list you sent is from XXXX XXXX not Bounce AI The itemization included in your response is : Generated by XXXX XXXX, not Bounce AI Does NOT include any Bounce AI records Does NOT show how you calculated your reported balance Does NOT establish your legal standingAn internal ledger from another company does not satisfy debt validation requirements. Under FDCPA 809 ( b ), a debt collector must provide : Documentation showing its own legal authority A complete chain of title Proof of ownership or assignment You have provided none of these. 

Therefore, the debt is still unvalidated.The balance Bounce AI is reporting does not match the creditors documented balance The Right to Cure notice from XXXX XXXX XXXX XXXX XX/XX/XXXX states : Past due total : {$940.00} Your verification letter claims : Balance : {$1600.00} You did not explain the XXXX XXXXXXXX discrepancy.You did not provide any : Fee calculation Interest breakdown Ledger showing how the new balance was created Under FCRA 623 ( a ) ( 1 ) ( A ), furnishing inconsistent or unverifiable amounts is prohibited. Unverifiable debt must be removed.You are inaccurately reporting the accounts status The original creditors notice states : the entire outstanding balance will be accelerated and become immediately due. 

Acceleration = loan closed, not open. 

Bounce AI is reporting the account as open, which is : Factually incorrect Materially misleading A direct violation of FCRA 623 ( a ) ( 1 ) ( A ) This inaccurate status requires deletion.Your verification packet is legally insufficient You failed to provide : Original signed contract Bill of sale or assignment Proof of collection rights Proof of furnishing rights Accurate balance calculation Correct account statusBecause you can not verify the debt in accordance with FDCPA 809 ( b ) and FCRA 623, you must cease reporting and delete the entry from all consumer reporting agencies.REQUESTED ACTION Under my rights in : FCRA 623 ( a ) ( 1 ) ( A ) FCRA 623 ( a ) ( 1 ) ( B ) FCRA 611 ( a ) FDCPA 809 ( b ) I am requesting that Bounce AI : Immediately delete this account from Equifax, Experian, and TransUnion Stop furnishing information you can not verify Send me written confirmation once deletion is completedAlthough you provided a signed contract, it is a contract between myself and XXXX XXXX not a contract between myself and Bounce AI. This does NOT validate your collection activity or your reporting. A contract with the original creditor does not establish your authority as a furnisher or collector. You failed to provide a bill of sale, assignment agreement, or any document demonstrating that XXXX XXXX transferred ownership, collection rights, or furnishing rights to XXXX XXXX Without proof of assignment, you have no legal standing to collect or report this debt. Therefore, the account remains unvalidated, unauthorized, and must be deleted.

Company response to consumer: Closed with explanation