Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bounce AI, Inc.
State: GA

Complaint narrative:
Formal Demand for Verification and Account-Level Documentation under the FCRA Bounce AI Inc XXXX XXXX * * * * To Whom It May Concern : I am writing to formally dispute and request the chain of assignment and all account-level documentation pertaining to the above-referenced account, which Bounce AI Inc - XXXX * XXXX XXXX XXXX is currently reporting on my credit file as a collection account with a balance of {$1000.00}, marked as last reported on XX/XX/XXXX. 

This demand is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 1681g ( a ) ( 1 ), which require furnishers of information to provide consumers with the underlying documentation supporting reported accounts upon requestparticularly when the accuracy of such reporting is in question. 

The FCRA imposes a strict duty on furnishers like XXXX XXXX XXXX to ensure the accuracy of the information reported to consumer reporting agencies ( CRAs ). See 15 U.S.C. 1681s-2 ( b ) ; see also XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ), which affirms that furnishers must investigate and verify the accuracy of reported information upon receiving a dispute. 

Furthermore, under 15 U.S.C. 1681g ( a ) ( 1 ), I am entitled to " all information in the consumers file, '' including the sources of such information, which encompasses the chain of assignment and account-level documentation demonstrating Bounce AI Incs legal authority to collect and report this alleged debt. 

To date, I have not received adequate documentation verifying the validity of this account, including but not limited to : The chain of assignment from the original creditor to Bounce AI Inc, The original account agreement or contract bearing my signature, A complete payment history of the account, Any notices of assignment required by law.

Without this documentation, I am unable to ascertain whether Bounce AI Inc has the legal right to report this account or whether the reported information is accurate, complete, and verifiable as mandated by the FCRA.

Demand for Documentation Within 30 calendar days of receipt of this letter, Bounce AI Inc must provide the following : The complete chain of assignment, including all bills of sale, assignments, or other documents evidencing the transfer of this account from the original creditor to Bounce AI Inc ; The original account agreement or contract establishing the alleged debt and bearing my signature ; A detailed account statement or ledger showing all charges, payments, and fees from inception to present ; Copies of all notices of assignment sent to me under applicable law ; Any other documentation supporting the accuracy of the reported balance ( {$1000.00} ), date opened, and status as reported to the CRAs.

Failure to provide the requested documentation within the statutory timeframe may constitute a violation of the FCRA, exposing Bounce AI Inc to liability for actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and reasonable attorneys fees and costs, pursuant to 15 U.S.C. 1681n and 1681o. Moreover, continued reporting of unverified or inaccurate information may also violate the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with debt collection. See XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). 

Preservation of Evidence Bounce AI Inc is hereby placed on notice to preserve all records, communications, and other evidence related to this account, including electronic data, internal notes, and correspondence with CRAs or third parties. Destruction or alteration of such evidence may result in sanctions for spoliation.

Please direct all responsive documentation and correspondence to the address listed above. If Bounce AI Inc fails to comply with this demand, I am prepared to take all necessary legal action to enforce my rights under the FCRA, FDCPA, and any other applicable laws, including filing a lawsuit for damages and injunctive relief.

Govern yourselves accordingly.

Company response to consumer: Closed with explanation