Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
LEGAL DISPUTE LETTER DEMAND FOR PERMANENT REMOVAL To : XX/XX/XXXXXXXX XXXX XXXX, TX XXXX Date : XXXX XXXX, XXXX Subject : Formal Dispute of Unverified Collection Account Immediate Deletion Requested From : Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, TX XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX Digits ) : XXXXXX/XX/XXXX- Re : Unverified and Inaccurate Collection Reporting Account Name : Bounce AI Inc Original Creditor : XXXX XXXX Account Number : XXXX Reported Balance : {$1800.00} Date Opened : XX/XX/XXXX Bureau : XX/XX/XXXX - Dear XX/XX/XXXXCompliance Department, I am writing to formally dispute the accuracy and legal validity of the collection account listed above, which appears on my XX/XX/XXXX credit report. This letter serves as an official demand for full verification and compliance review under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Upon review, this account violates multiple provisions of federal law and Metro 2 reporting standards, including but not limited to : -- - XXXX. FCRA XXXX ( A ), XXXX ( B ), and XXXX ( 15 U.S.C. XXXX, XXXX ( b ), and XXXX ) Accuracy and Reinvestigation Requirements You are required to maintain and report only data that is accurate, complete, verifiable, and up to date. The reporting of this collection fails to meet these standards due to the following issues : Incomplete and unverifiable data : The reporting furnishes no original account number, no documented proof of assignment or legal ownership by Bounce AI Inc, and no verified consumer authorization or signed agreement. 

Inconsistent or unverifiable balance : The amount listed ( {$1800.00} ) has not been validated by any documented transaction ledger or itemized statement of debt. 

Unclear date of first delinquency : The account shows a XX/XX/XXXX open date, yet reports delinquencies from early XXXX and XXXX suggesting improper date aging and a possible re-aging violation under Metro 2 and FCRA XXXX ( a ) ( XXXX ). 

No direct verification of consumer liability : I have never received a signed contract, loan agreement, or original account documentation bearing my signature as proof of legal obligation to either Bounce AI Inc or XXXX XXXX. 


Until such documentation is provided, this account must be deemed unverified and inaccurate under FCRA XXXX ( a ) ( XXXX ) ( A ). 


-- - XXXX. FDCPA XXXX ( b ) ( 15 U.S.C. XXXX ) Validation of Debt Bounce AI Inc, as a third-party debt collector, is legally required to provide complete validation of any alleged debt before continuing to report or collect. Unless the collector produces : A copy of the original signed agreement, A chain of assignment proving ownership, and An itemized accounting of the amount claimed, the continued reporting of this account constitutes continued collection activity on an unvalidated debt, in direct violation of the FDCPA. 


-- - XXXX. FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishers Duty to Report Accurate Information The furnisher ( Bounce AI Inc ) is strictly prohibited from reporting information known to be inaccurate or unverifiable. If Bounce AI Inc can not certify actual verification records under FCRA XXXX ( b )XX/XX/XXXX must delete this account immediately under FCRA XXXX ( a ) ( XXXX ) ( A ) as can not be verified. 


-- - XXXX. Metro 2 Compliance and Data Integrity Violations The accounts reporting pattern suggests Metro 2 compliance failures, including : Missing or inconsistent Date of First Delinquency ( XX/XX/XXXX ). 

Failure to properly code as a disputed account ( XX/XX/XXXXcXX/XX/XXXXe ). 

Continued monthly reporting without verified balance validation, violating Credit Reporting Resource Guide ( XXXX ) Section XXXX. 


Any furnisher that fails Metro 2 compliance is ineligible to continue reporting under the FCRAs maximum possible accuracy standard ( XXXX ( b ) ). 


-- - XXXX. Legal Demand for Action Therefore, pursuant to FCRA XXXX ( a ) and FDCPA XXXX ( b ), I hereby demand that XX/XX/XXXX : XXXX. Conduct a full reinvestigation of this account. 


XXXX. Obtain documented proof of original account ownership, signed contract, and chain of assignment. 


XXXX. If the account can not be fully verified within XX/XX/XXXXdays, permanently delete it from my credit file and provide a corrected credit report to all parties who accessed my report within the past XX/XX/XXXXmonths. 



Failure to comply with this request constitutes willful noncompliance under FCRA XXXX and XXXX, entitling me to pursue civil remedies including statutory damages, attorneys fees, and costs. 


-- - Summary of My Position This account is inaccurate, incomplete, and unverifiable under the FCRA and FDCPA. If full legal verification is not produced within the statutory period, you are obligated to delete it from my Experian file immediately. 


-- - Requested Resolution Permanently delete this account from myXX/XX/XXXX credit report. 
Provide written confirmation of deletion withinXX/XX/XXXX days. 
Forward notice of correction to any creditors or parties that have accessed my file recently. 


-- - Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation