Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
Complainant : XXXX XXXX Date of Complaint : XX/XX/year> Against : Bounce AI ( Debt Collector / Furnisher ) Original Creditor : XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount in Dispute : {$1700.00} Credit Bureaus Affected : TransUnion, Experian, Equifax STATEMENT OF FEDERAL LAW VIOLATIONS BY BOUNCE AI I am filing this formal and urgent complaint to report multiple and serious violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by Bounce AI, a debt collector/furnisher that is reporting derogatory and disputed account information to all three major credit bureaus. 
Bounce AI is currently reporting an account ( originally from XXXX XXXX ) in the amount of {$1700.00}, without furnishing legal proof of the debt, ownership, or lawful collection authority. The account is listed as collection/charge-off, and Bounce AI is actively furnishing data without validating the debt, failing to investigate disputes, and ignoring mandatory FCRA compliance.

FCRA & FDCPA VIOLATIONS COMMITTED BY BOUNCE AI : 1. Failure to Provide Validation FDCPA 1692g ( b ) : Upon dispute, Bounce AI is required by law to cease all collection activity and provide proper validation. They have failed to do so. No signed contract, no itemization, no proof of assignment or ownership has ever been provided.

2. Willful and Negligent Furnishing of Unverified Data FCRA 1681n, 1681o : Bounce AI is knowingly furnishing unverified and inaccurate data to consumer reporting agencies in violation of both the willful and negligent standards of the FCRA.

3. Failure to Mark Account as Disputed FCRA 1681s-2 ( a ) ( 3 ) : The credit reports fail to reflect the federally mandated disputed notation. This is an explicit and punishable violation.

4. Failure to Conduct Reinvestigation FCRA 1681s-2 ( b ) ( 1 ) ( A-E ) : No proper investigation has been conducted despite being notified of the dispute. This is a continued and compounding FCRA violation.

5. Misrepresentation of Legal Status FDCPA 1692e ( 2 ) ( A ), 1692e ( 8 ), and 1692e ( 10 ) : Bounce AI is falsely presenting this account as legally owed, collectible, and validated, when it has no proof or legal standing.

6. No Proof of License or Bond FDCPA & State Law ( Texas Finance Code 392 ) : Bounce AI has not shown any proof that it is licensed or bonded to collect debts in the state of Texas, which is required by state law.

7. Potential Violation of Permissible Purpose FCRA 1681b : Bounce AI has failed to prove it acquired this account or accessed my credit reports with a legally permissible purpose.

CONSUMER HARM AND DAMAGES : As a result of these violations, I have suffered : Credit Score Suppression ( 516 TU, 527 EX, 530 EQ as of XX/XX/year> ) Denials of XXXX and XXXX XXXX XXXX XXXX and Emotional Distress Exposure to Illegal and Deceptive Collection Activity DOCUMENTED ATTEMPTS TO RESOLVE THIS MATTER : I have already sent formal written demands to Bounce AI requesting : Original signed contract with XXXXXXXX XXXX Full chain of title or bill of sale proving legal ownership Complete itemized breakdown of how the {$1700.00} was calculated Proof of licensing and bonding in Texas Immediate reporting update to mark the account as Disputed Cease reporting and deletion until lawful validation is provided To date, Bounce AI has not complied with a single demand, nor have they produced any legal evidence to justify their continued furnishing of this disputed information.

I am asking the Consumer Financial Protection Bureau to take immediate enforcement action and compel Bounce AI to : Cease and desist all collection and reporting on this account Remove and permanently delete this tradeline from all credit reports Provide written documentation proving ownership and authorization Submit proof of license and bonding in the State of Texas Pay damages and penalties for continued noncompliance, where applicable Bounce AIs actions are not mere oversights. They represent a deliberate and ongoing pattern of noncompliance, misrepresentation, and illegal credit reporting in direct violation of federal law.

This account must be removed immediately, and this complaint should be escalated to the appropriate enforcement division within the CFPB. 
Respectfully submitted, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX

Company response to consumer: Closed with explanation