Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bounce AI, Inc.
State: NC

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) [ XX/XX/year> ] Subject : Complaint Against Bounce AI INC for Violations of The Fair Debt Collection Practices Act and Consumer Law Rights Violations Dear CFPB Complaint Review Team, I am submitting a formal complaint against a collection agency, Bounce AI INC, for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Bounce AI INC has engaged in unfair and illegal practices that infringe upon my rights as outlined under federal regulations. I am requesting the CFPBs assistance to ensure Bounce AI INC ceases these violations and provides all required disclosures. 

Specific Violations : 1. Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Lack of Dispute Opportunity : Bounce AI INC has failed to provide me with any opportunity to dispute the alleged debt. Under this regulation, a debt collector must clearly inform a consumer of their right to dispute the debt. I was not afforded this opportunity and was denied my legal right to dispute. 

2. Violation of 12 CFR 1006.34 ( b ) ( 5 ) Failure to Provide Validation Information : Bounce AI INC has failed to provide me with the legally required validation information about this debt. Instead, they have reported the debt to consumer reporting agencies without offering the necessary disclosures or verifying the accuracy of the information. This lack of validation information denies me the transparency to which I am entitled. 

3. Violation of 12 CFR 1006.34 ( d ) Failure to Provide Required Disclosures : The agency has not provided any of the mandated disclosures under 1006.34 ( d ), including essential information related to the debt and my rights as a consumer. The lack of required disclosures prevents me from understanding or verifying the alleged debt. 

4. Violation of 15 USC 1681s-2 ( 7 ) ( A ) Unauthorized Reporting and Permissible Purpose Violation : Bounce AiI INC is in clear violation of 15 USC 1681s-2 ( 7 ) ( A ) by reporting an alleged debt to consumer reporting agencies without providing the necessary disclosures or obtaining authorization. Additionally, the agency accessed my consumer report without a permissible purpose, a violation of FCRA. The use of false, misleading representations and deceptive practices further illustrates their unlawful tactics. 

Request for Resolution : I am requesting that Bounce AI INC be required to : Provide full validation information and all disclosures associated with the alleged debt as required by law. 
Cease reporting the debt to consumer reporting agencies until proper validation has been completed. 
Refrain from accessing my consumer report or reporting information without a permissible purpose or without fulfilling all legal requirements. 
Thank you for your assistance in holding Bounce AI INC accountable for their practices. I look forward to your investigation into these issues and an outcome that enforces my rights under federal law.

Company response to consumer: Closed with explanation