Consumer complaint received 2025-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: GA

Complaint narrative:
Sent a letter via XXXX that was delivered on XX/XX/XXXX Tracking number XXXX. The letter stated the following : I am writing to formally dispute a fraudulent account that has been reported by your company to the credit bureaus in my name. This account was established as a result of identity theft, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to demand its removal. Below are the details of the fraudulent account in question : The fraudulent account in question is : - Creditor Name : Bounce AI - Account Number : Unknown - Open Balance : {$21000.00} - Date Opened : Unknown In accordance with FCRA Section XXXXB, I am submitting the following documents as required : XXXX. A copy of my identity theft report ( filed with law enforcement or the Federal Trade Commission ) XXXX. A copy of my government-issued identification written statement confirming that this account is fraudulent and was opened without my authorization FCRA XXXX ( a ) ( XXXX ) Duty to Prevent Identity Theft Reporting Under 15 U.S.C. XXXX ( a ) ( XXXX ), creditors are prohibited from furnishing information to credit bureaus if they know or have reasonable cause to believe that the information results from identity theft. Since I have provided evidence demonstrating that this account is fraudulent, you are required to immediately cease reporting this account to all credit bureaus. FCRA XXXX ( b ) Duty to Investigate Disputed Information Under 15 U.S.C. XXXX ( b ), you are required to : - - - - - Conduct a reasonable investigation of my dispute. Review all relevant information that I have provided regarding the fraudulent nature of the account. Report the results of your investigation to the credit bureaus. If you determine that the information is inaccurate or unverifiable, you must delete or correct the account. This investigation must be completed within XXXX days of receiving this dispute. FCRA XXXX Right to Request Fraudulent Account Documentation Under 15 U.S.C. XXXXg, as a victim of identity theft, I have the legal right to request : - - Copies of all records associated with the fraudulent account, including the original application, statements, and transaction history. These documents must be provided within XXXX days of this request. If necessary, I request that these records also be sent to law enforcement for further investigation. FCRA XXXX Obligation to Block Fraudulent Accounts Under 15 U.S.C. XXXX, once I have provided a valid identity theft report, you are legally required to : - - - Stop reporting this fraudulent account to the credit bureaus. Ensure the account is permanently blocked from my credit file. Provide written confirmation that this account has been removed. I have attached the following documents for verification : XXXX. A copy of my identity theft report ( filed with law enforcement or the Federal Trade Commission ). XXXX. A copy of my government-issued identification for identity verification. XXXX. A written statement confirming that this account is fraudulent and was opened without my authorization. FCRA XXXX ( a ) ( XXXX ) Duty to Prevent Identity Theft Reporting Under 15 U.S.C. XXXX ( a ) ( XXXX ), creditors are prohibited from furnishing information to credit bureaus if they know or have reasonable cause to believe that the information results from identity theft. Since I have provided evidence demonstrating that this account is fraudulent, you are required to immediately cease reporting this account to all credit bureaus. FCRA XXXX ( b ) Duty to Investigate Disputed Information Under 15 U.S.C. XXXX ( b ), you are required to : - Conduct a reasonable investigation of my dispute. - Review all relevant information that I have provided regarding the fraudulent nature of the account. - Report the results of your investigation to the credit bureaus. - If you determine that the information is inaccurate or unverifiable, you must delete or correct the account. - This investigation must be completed within 30 days of receiving this dispute. FCRA XXXX ( XXXX ) Right to Request Fraudulent Account Documentation Under 15 U.S.C. XXXXg ( XXXX ), as a victim of identity theft, I have the legal right to request : - Copies of all records associated with the fraudulent account, including the original application, statements, and transaction history. - These documents must be provided within XXXX days of this request. If necessary, I request that these records also be sent to law enforcement for further investigation. FCRA XXXX Obligation to Block Fraudulent Accounts Under 15 U.S.C. XXXX, once I have provided a valid identity theft report, you are legally required to : - Stop reporting this fraudulent account to the credit bureaus. - Ensure the account is permanently blocked from my credit file. - Provide written confirmation that this account has been removed. I have attached the following documents for verification : XXXX. A copy of my identity theft report filed with law enforcement and the Federal Trade Commission. XXXX. A copy of my government-issued identification for identity verification. XXXX. A written statement confirming that this account is fraudulent and was opened without my authorization. I request that you immediately remove this fraudulent account from my credit report, cease reporting it to the credit bureaus, and provide written confirmation of the removal within XXXX  days. If you fail to comply with the FCRA requirements, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. Additionally, I reserve the right to pursue legal action if necessary. Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and provide a response in writing. 

As of XX/XX/XXXX no response was received so a second letter to the debt collector went out via XXXX Tracking number XXXX stating the following : Bounce AI XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Whom It May Concern, This letter serves as formal notice that Bounce AI has failed to respond to the dispute that I, XXXX XXXX XXXX which was delivered on XX/XX/year>, Via XXXX, As of XX/XX/year>, more than XXXX days have passed without a response. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. CXXXXe XXXXi ( a ) ( XXXX ) ( A ), a data furnisher and credit bureau must : conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute. Since you failed to complete the investigation and respond within this XXXXday timeframe, you are now legally obligated to delete the disputed information from all credit reporting databases and cease all collection activities associated with this account, in accordance with FCRA 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ). Please confirm in writing that the account has been permanently removed from my credit f ile and that no further collection efforts will be made. If this matter is not resolved immediately, we will escalate the complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and explore legal remedies for noncompliance. 

The letter was received on the XXXX of XXXX signed by XXXX 

On XX/XX/year> I received a letter from Bounce AI stating they have confirmed the debt to be valid. However the letter was received after the XXXX  day deadline and also it was dated XX/XX/XXXX which is also after the deadline. Under Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. CXXXXe XXXXi ( a ) ( XXXX ) ( A ) they must determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute. They failed to do that even the letter they sent is dated after the XXXX day grace period which ended on the XXXX of XXXX and the letter is to be received before the XXXX day grace period in which it was not.

Company response to consumer: Closed with explanation