Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
XX/XX/XXXXXXXX Re : Dispute of Inaccurate Information on Credit Report Account XX/XX/XXXX with Original Creditor XXXX XXXX XXXX XXXX ( Collection Account ) Demand for Permanent Deletion, Compensation, and Cease and Desist Under FCRA, FDCPA, and Related LawsWithout Prejudice UCC 1-308 Dear Sir or Madam : I am writing to formally dispute the inaccurate and unverifiable information appearing on my credit reports from your agencies regarding the above-referenced account. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and all applicable federal and state laws. I demand a thorough investigation, permanent deletion of the disputed information, compensation for damages caused by your inaccurate reporting, and an immediate cease and desist of all debt collection activities and communications. 
Description of the Account and Inaccuracies The account in question is with original creditor XXXX XXXX XXXX XXXX, Account XX/XX/XXXX, reported as a collection account with a balance of {$1000.00}. It appears on my reports as follows : XX/XX/XXXX Opened XX/XX/XXXX, Status : Collection/Chargeoff, Last Reported : XX/XX/XXXX, Comments : Placed for collection, Date Last Active : XX/XX/XXXX. 
XX/XX/XXXX Opened XX/XX/XXXX, Status : Collection/Chargeoff, Last Reported : XX/XX/XXXX, Date of Last Payment : XX/XX/XXXX. 
XX/XX/XXXX: Opened XX/XX/XXXX, Status : Collection/Chargeoff, Last Reported : XX/XX/XXXX, Comments : Subject has not satisfied debt, Date Last Active : XX/XX/XXXX. 
The two-year payment history across all bureaus shows no progressive delinquency markers ( e.g., 30, 60, 90, or 120 days late ) but jumps directly to reporting the account as 180 days late or in collection/charge-off status. This is a clear inaccuracy, as it fails to reflect any prior delinquency progression required for accurate reporting. Additionally : * The Date of First Delinquency ( DOFD ) is inaccurately reported or absent, leading to improper aging and potential obsolescence issues. 
* The account status codes are violated, showing derogatory status without verifiable supporting data. 
* No monthly payment history reflects timely payments or proper crediting under applicable timing rules. 
* The reporting includes misleading electronic communications via the e-OSCAR system, which constitutes the upload of false data and potential wire fraud under 18 U.S.C. 1343. 
These inaccuracies violate XXXX XXXX compliance standards ( as outlined in the Credit Reporting Resource Guide, or CRRG ), which require furnishers to report accurate, complete, and progressive delinquency statuses. Reporting a 180-day delinquency without prior 30-, 60-, 90-, or 120-day markers is facially false and non-compliant. All accounts must report roles accurately under XXXX XXXX and FCRA 1681e ( b ).

Legal Violations and Applicable Laws Your agencies and the furnisher ( XXXX XXXX XXXX XXXX ) have violated multiple provisions of the FCRA and FDCPA by failing to ensure the accuracy, completeness, and verifiability of the reported information. Key violations include : 1. Inaccurate Reporting ( 15 U.S.C. 1681e ( b ) ) : Consumer reporting agencies ( CRAs ) must follow reasonable procedures to assure maximum possible accuracy of information. The direct jump to 180 days late without progressive delinquencies is inaccurate and misleading. In XXXXXX/XX/XXXXXXXX XXXX, XXXX, XXXXXX/XX/XXXXXXXX ), the court held that reporting inaccurate late payments violates the FCRA, emphasizing the need for accurate delinquency histories. Similarly, in XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX ), inaccurate interpretation of payment data led to FCRA liability. 
2. Wrong Date of First Delinquency ( 15 U.S.C. 1681c ) : The DOFD must be accurately reported, and failure to do so prevents proper obsolescence ( 7-year rule for derogatory items ). The CFPBs guidance in Fair Credit Reporting ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ) requires furnishers to report DOFD within 90 days for delinquent accounts, and inaccuracies here are violations. Case law inXX/XX/XXXXnderscores that incorrect XXXX reporting constitutes an FCRA violation warranting deletion. 
3. Furnisher Responsibilities and Failure to Investigate ( 15 U.S.C. 1681s-2 ( b ) ) : Furnishers must conduct a reasonable investigation upon dispute, review all relevant information, and delete or correct unverifiable data. No automated e-XX/XX/XXXX check suffices ; a real investigation is required. You have not provided a Method of Verification ( MOV ) despite my right to demand it. Under Federal Rule of Evidence 1002 ( Best Evidence Rule ), original documents are required for verificationno originals mean no legitimate late payments. In XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that failure to properly investigate and verify leads to liability. 
4. Timing of Payments and Late Fees ( 15 U.S.C. 1666b ; 12 CFR 1026.13 ) : Creditors must treat payments as timely if received by XX/XX/XXXX. on the due date and provide statements 21 days in advance. No evidence supports late payment claims, violating these provisions. 
5. Notice of Negative Information ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ) : Financial institutions must provide notice before furnishing negative information like delinquencies. No such notice was provided here.

6. Permissible Purpose and Disclosure ( 15 U.S.C. 1681b ) : Any reporting must be for permissible purposes, and inaccurate data dissemination violates this.

7. FDCPA Violations ( 15 U.S.C. 1692 et seq. ) :
Communicating misleading information electronically ( via e-OSCAR ) is false representation under 1692e. Continued collection without verification violates 1692g.

8. Willful Non-Compliance and Compensation ( 15 U.S.C. 1681n, 1681o ) : Willful violations entitle me to statutory damages up to {$1000.00} per violation, actual damages ( including emotional distress, credit denials, and higher interest rates ), punitive damages, and attorney fees. Negligent violations allow actual damages and fees. In XXXXXX/XX/XXXXXXXX XXXX ( XXXX ), the Supreme Court affirmed standing for concrete harms from inaccurate reporting. I demand compensation for these harms, estimated at [ insert amount, e.g., {$5000.00} per bureau for willful inaccuracies ]. 
These violations are not mere technicalities ; they have caused tangible harm, including damaged credit scores, denied credit opportunities, and emotional distress. 
Demands Pursuant to the FCRA and FDCPA : 1. Conduct a Reasonable Investigation : Review all dispute information, including this letter, and contact the furnisher for verification with original documents. Delete any unverifiable information within 30 days ( 15 U.S.C. 1681i ).

2. Permanent Deletion : Remove the entire account and all associated derogatory remarks from my credit files across all bureaus.

3. Provide Method of Verification : Send me a detailed MOV, including all documents reviewed and steps taken.

4. Compensation : Pay me damages for your violations, including statutory, actual, and punitive amounts. I am open to settlement discussions but reserve all rights.

5. Cease and Desist : Immediately cease all debt collection activities, including phone calls, emails, internet communications, regular mail, and further credit reporting. Under FDCPA 1692c ( c ), I revoke any consent for communication.

6. Updated Credit Reports : Send me updated copies of my credit reports from all three bureaus showing the deletions. Failure to comply will result in legal acti
on, including a lawsuit for FCRA and FDCPA violations, seeking maximum damages and fees. I reserve all rights under UCC 1-308 without prejudice. 
Sincerely,

Company response to consumer: Closed with explanation