Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bounce AI, Inc.
State: CO

Complaint narrative:
# CFPB Complaint : Systemic FCRA Violations and Retaliatory Litigation * * Company : * * Bounce AI , Inc . 
* * Previous Complaints : XXXX XXXX XXXX XXXX XXXX [ second complaint number ] * * Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXECUTIVE SUMMARY Bounce AI is engaged in a systemic pattern of furnishing false credit information in violation of the Fair Credit Reporting Act. The company admits it reports " date of first delinquency '' values that predate its ownership of accounts, creating mathematically impossible records. This is not an isolated error but a policy applied across its portfolio. Thousands of consumers are therefore subject to false derogatory credit entries. Within 24 hours of my second CFPB complaint, Bounce AI initiated retaliatory litigation, further evidencing unlawful practices. 

-- - # # STATEMENT OF FACTS # # # A. Admitted Facts by Bounce AI ( In Writing ) 1. Bounce AI purchased debt from XXXX XXXX on * XXXX XXXX XXXX XXXX 2. Bounce AI reports account opened date as XXXX XXXX XXXX XXXX XXXX  3. Bounce AI reports date of first delinquency as XXXX XXXX XXXX XXXX XXXX 4. This creates a 7-month impossibility : delinquency before existence XXXX XXXX XXXX XXXXXXXX Chronological Timeline - * * XX/XX/XXXX XXXX XXXX XXXX Original XXXX  account opened - XXXX XXXX XXXX XXXX XXXX XXXX  Account delinquent with XXXX  ( not Bounce AI ) - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  charged off account - XXXX XXXX XXXX XXXX XXXX XXXX Bounce AI purchased debt - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " verified '' impossible dates ( Confirmation # XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : * * First CFPB complaint closed with Bounce AI admission XXXX XXXX XXXX XX/XX/XXXX : * * Second CFPB complaint filed - XXXX XXXX XXXX XXXX XXXX XXXX Bounce AI responds, defending impossible reporting - XXXX XXXX XXXX XXXX XXXX XXXX  Attempted retaliatory service at secured residence # # # C. Pattern Evidence Bounce AI 's written responses confirm this is standard practice : - * '' When your debt was sold to us, Bounce AI , Inc became the current creditor and has the right to report the account to the credit bureaus '' * - They defend reporting pre-ownership delinquencies as policy - They claim XXXX  " verification '' validates their practice -- - # # VIOLATIONS OF LAW # # # 1. FCRA Violations- * * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : * * Furnishing information with actual knowledge of errors- * * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) : * * Systematic furnishing of inaccurate information- * * 15 U.S.C. 1681s-2 ( b ) : * * Failure to conduct reasonable investigation after notice # # # 2. Industry Standard Violations - XXXX XXXX XXXX XXXX Format Standards : * * Logical relationship required between Account Open Date and Date of First Delinquency - * * CFPB Supervision Manual 7.3 : * * Debt buyers must maintain " reasonable policies and procedures to ensure accuracy and integrity '' # # # 3. Retaliatory Conduct - * * Timing : * * Service attempt within 24 hours of CFPB complaint - * * Method : * * Unauthorized entry to access-controlled building - * * Intent : * * Intimidation to discourage regulatory complaints -- - # # SYSTEMIC HARM # # # A. Individual Harm - Credit score artificially depressed by impossible reporting - Denied credit opportunities due to false " recent '' collection - Emotional distress from retaliatory litigation threats # # # B. Systemic Harm If Bounce AI applies this practice XXXX XXXX - Thousands of consumers have false derogatory marks - Systematic resetting of debt age violates 7-year reporting limits- Credit markets corrupted by false data -- - # # RELIEF REQUESTED # # # Immediate Actions 1. * * Cease and Desist Order : * * Stop Bounce AI from reporting pre-ownership delinquencies 2. * * Delete All False Tradelines : * * Remove all accounts with impossible date combinations 3. * * Stay Any Litigation : * * Halt collection suits during investigation # # # Systemic Remedies 1. * * XXXX Review : * * Audit all Bounce AI accounts for date impossibilities 2. * * Policy Change : * * Mandate compliance with XXXX XXXX standards 3. * * Consumer Notice : * * Require notification to all affected consumers 4. * * Civil Money Penalty : * * For willful, systemic violations # # # Individual Remedies 1. * * Complete Deletion : * * Remove account from all credit bureaus 2. * * Cease Collection : * * Prohibit further collection attempts 3. * * Damages : * * Statutory and actual damages for FCRA violations 4. * * Investigation : * * Of retaliatory conduct and potential criminal referral -- - # # EXHIBITS * * Exhibit A : * * Bounce AI Response # XXXX ( XX/XX/XXXX ) - Admits purchase date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bounce AI Response # XXXX ( XX/XX/XXXX ) - Defends impossible reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Verification # XXXX - " Verified '' impossible dates XXXX XXXX XXXX XXXX XXXX XXXX XXXX Service Attempt Documentation ( XX/XX/XXXXXXXX  ) - Retaliatory timing -- - # # CERTIFICATION I certify that the facts stated above are true and correct to the best of my knowledge. Bounce AI 's own written admissions confirm they are systematically reporting mathematically impossible information to credit bureaus, affecting potentially thousands of consumers. 

This is not a dispute about whether I owe money. This is about a debt buyer systematically falsifying credit reports through impossible date reporting, then retaliating against consumers who expose the practice.

Company response to consumer: Closed with explanation