Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by Bounce AI under account number XXXX, allegedly originating from XXXX XXXX account number XXXX. I formally dispute the accuracy, validity, ownership, balance, and reporting of this account. I previously disputed this account through the consumer reporting agencies. The dispute was reported as resolved with a notation indicating that the account was verified and that the consumer disagrees. However, I have not been provided with sufficient documentation demonstrating that the information being reported is accurate, that a reasonable investigation was conducted, or that Bounce AI possesses the legal authority to collect and report this account. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), and Regulation F ( 12 C.F.R. Part 1006 ), I am requesting complete validation and documentation supporting the reporting and collection of this alleged debt. Specifically, I request the following : Documentation establishing that Bounce AI has legal ownership of, or legal authority to collect, this alleged debt. A complete chain of title showing every transfer, assignment, sale, purchase, or conveyance of this account from the original creditor to Bounce AI. Copies of all assignment agreements, purchase agreements, bills of sale, schedules of accounts, transfer documents, and any other records demonstrating ownership or collection authority over this specific account. The full name, address, and contact information of the original creditor. The original account opening date. The original loan amount. The complete account ledger from the date the account was opened through the present date. A complete payment history showing every payment, credit, adjustment, fee, interest charge, late fee, collection fee, reversal, and balance calculation associated with the account. An itemized accounting of the current balance being reported, including : Original principal balance Interest charges Late fees Collection fees Administrative fees Other charges Credits and payments applied Current balance calculation Documentation establishing the contractual basis for all interest, fees, penalties, and charges assessed against the account. A copy of the original signed loan agreement, promissory note, application, or contract bearing my signature or otherwise demonstrating my legal obligation for the alleged debt. If an electronic signature is being relied upon, all records demonstrating authentication of the electronic signature and execution of the agreement. The date of first delinquency associated with this account. The charge-off date, if applicable. Documentation establishing that the amount being reported is complete and accurate. Copies of all documents, records, account notes, screenshots, electronic records, and supporting materials relied upon when responding to my prior disputes. Copies of all Automated Consumer Dispute Verification ( ACDV ) records, XXXX XXXX, investigation records, and responses transmitted to any consumer reporting agency regarding this account. Copies of all documents furnished to XXXX XXXX XXXX XXXX in support of verification of this account. Documentation explaining the procedures used to investigate my dispute and the basis upon which this account was verified as accurate. At this time, I have not received sufficient evidence demonstrating : That Bounce AI owns this debt ; That Bounce AI has legal authority to collect this debt ; That the balance being reported is accurate ; That all interest, fees, and charges were properly assessed ; That a reasonable investigation was conducted before the account was verified ; That the information being furnished to consumer reporting agencies complies with the requirements of the Fair Credit Reporting Act. Because this account continues to be reported despite my dispute, I am requesting that the CFPB investigate whether the furnisher complied with its obligations under the Fair Credit Reporting Act, including its duty to conduct a reasonable investigation and furnish accurate information. If Bounce AI can not provide competent documentary evidence supporting ownership, collection authority, balance accuracy, and reporting accuracy, I request immediate deletion of the tradeline from all consumer reporting agencies and written confirmation of such deletion. This correspondence is not an acknowledgment of liability, admission of responsibility, or promise to pay. I expressly reserve all rights available to me under federal and applicable state law. Thank you for your review and assistance in this matter.

Company response to consumer: Closed with explanation