Consumer complaint received 2024-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bounce AI, Inc.
State: CO

Complaint narrative:
I noticed a new collection listed on my XXXX credit report as of XX/XX/XXXX however, I was unaware of the debt in the amount of {$560.00} from the original creditor XXXX  XXXX I do want to inform AI Bounce that I know my rights as far as attempts to collect a debt from a collection agency. I called AI Bounce on XX/XX/XXXX around approximately XXXX to discuss the alleged debt. I spoke with a woman whom admitted to me the AI bounce did not have my forwarding address from the original creditor, which is not true because my forwarding address is on the original creditors paperwork, that AIBounce is in possession of. 

As of XX/XX/XXXX, the Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to contact consumers before reporting a debt to credit reporting agencies. This contact can be in person, by phone, by mail, or by electronic message.

AI bounce is in violation of the fair credit reporting act because I was not contacted prior to reporting the debt to the credit bureaus. I asked AI Bounce what contact information they had reached out to me on, PRIOR to submitting the alleged debt to the credit bureaus and they read me an email and a phone number that I did not recognize.

I received no mail communication, no electronic mail communication, no phone communication and no in person communication which is required by law before a debt can be reported to the credit bureaus.

AI bounce now has my correct contact information, but thats not the problem. The problem is, they did not have my correct contact information PRIOR to putting the alleged debt on my credit report. Im not sure what contact information AI bounce had for me PRIOR to putting the alleged debt on my credit report, but its definitely not my contact information. All of my correct contact information is listed on the paperwork from the original creditor, Which AI Bounce is in possession of. I dont understand why AI Bounce did not use The contact information that the original creditor gave them, That is listed on all of the paperwork, That AI bounce is in possession of.

I did not have an opportunity to dispute the alleged debt before AI Bounce Submitted The alleged debt to the credit bureaus, which I have reason to believe that they did not contact me on purpose, Because after reviewing the paperwork From the Original creditor, it turns out that AI bounce had all of my correct information the entire time, They purposely did not use it. I have reason to believe that AI bounce blatantly submitted the alleged debt to the credit bureaus without prior notification to prevent me from disputing it, in hopes that I would just pay it as soon as they put it on my credit.

I requested proof from AI bounce, showing that they contacted me prior to putting the alleged debt on my credit reports, Using the Contact information that the original creditor provided them and they refused. AI bounce Did not want to contact me Using the contact information that the original creditor provided them, Because they did not want me to dispute the alleged debt. Instead, I believe AI bounce got on the internet and just found a random number and a random email address to use, Attached my name to it in their system, Just to claim that they contacted me for legal purposes. But thats not going to fly because all of my correct contact information is actually on the original creditors paperwork that they have. I have asked the AI bounce over and over again for an explanation as to why they did not use the contact information that the original creditor gave them, and they wont answer me. They are lying, XXXX to be exact. XXXX XXXX lied on a recording that I have stating that I opened an email that she has a read receipt for proving that AI Bounce contacted me, but that is not true. I gave XXXX XXXX my correct email address, thats actually already on the original creditors paperwork, at which point, she then sent me everything and I did receive it. 

Im trying to figure out why AI bounced did not use the contact information that the original creditor provided them. Instead, they went and found some random number and some random The email address that they claim to have reached out to me on, but can not provide the proof for.

Had AI bounce followed proper protocol, I wouldve been able to dispute the alleged debt before it was reported to the credit bureaus. AI bounce is going to say that they contacted me prior to submitting the alleged debt to the credit bureaus, but that is not true. AI bounce did not use any of the contact information that the original Creditor provided them. AI bounce just went on the Internet and pulled random contact information for who knows who and is now saying that they have receipts that I received their correspondence, Which is not only a lie, but its also impossible because whatever contact information they used is not mine. AI bounce can not prove that they contacted me Using the contact information that the original creditor provided them. I have a Video recording of AI bounce, admitting that they made a mistake, But they are still refusing to delete the alleged debt off of my credit report. Because AI bounce did not contact me and can not prove that they contacted me using the contact information From The original creditor, automatically puts AI bounce in violation of the fair credit reporting act. No collection agency can submit an alleged debt to the credit bureaus without prior notification. I asked AI bounce what contact information they reached out to me on, prior to putting the alleged debt on my credit report, and they told me some random contact information that I did not recognize, Which did not make sense because my correct contact information is on the original creditors paperwork that they have been in possession of the entire time. 

Also, If a collection agency can not verify where theyre getting their information from, That automatically puts them in violation of the fair credit reporting act. Im not sure if they have my contact information mixed up with somebody elses, but because they failed to contact me prior to putting the alleged debt on my credit report and can not prove the contrary, AI Bounce is in violation of the fair credit reporting act. AI bounce is going to say that they did in fact contact me prior to putting this alleged debt on my credit report, but that was not me that they contacted, And I have a video recording of AI bounce admitting that they made a mistake. AI Bounce should have used the contact information that the original creditor provided them, Prior to putting this alleged debt on my credit report and we would not have any issues right now, But they didnt, We do have issues. 


AI Bounces in violation of the fair credit reporting act and I am demanding that they remove and delete Themselves from my credit report. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation