Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SSN Last XXXX : XXXX Date : XX/XX/XXXX To : [ Insert name of Credit Bureau or Debt Collector choose one or make a version for each ] RE : Formal Dispute of Inaccurate Reporting and Unauthorized Collection Activity XXXX/Bounce AI To Whom It May Concern, I am writing to dispute the account allegedly associated with XXXX, now being reported or collected on by Bounce AI, as it appears on my credit report. This item contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) and must be immediately investigated and removed from all credit reports. 

INACCURATE & ILLEGAL REPORTING : XXXX. The account is marked Closed but is still reporting monthly updates into XXXX, which is a direct violation of the FCRA. Once an account is closed, furnishers are not legally permitted to continue updating payment history as if it is active. 
XXXX. The payment history is inaccurate, showing months of payments I did not make, or months that were not properly credited. This misrepresentation violates 15 U.S.C. 1681e ( b ), which requires data furnishers to report accurate and complete information. 
XXXX. There has been no proof or contract provided that I owe this alleged debt or that I ever agreed to any terms with XXXX  or Bounce AI. 
XXXX. I never received notice of assignment, sale, or transfer of this debt to Bounce AI, and no original agreement has been shown violating 15 U.S.C. 1692g under the FDCPA. 
XXXX. If this debt was sold without my consent, that sale does not transfer legal responsibility to me without proper notice or a signed agreement. I demand to see proof of this sale and your legal standing to collect. 

FORMAL DEMANDS : I demand a full investigation into this account and a complete deletion from my credit report under 15 U.S.C. 1681i due to reporting inaccuracies and unverifiable debt. 
I demand that you cease all collection activities until proper validation is provided, including but not limited to the original signed agreement, full payment history, and proof of legal assignment/sale of debt to Bounce AI. 
If this item is not deleted, I will escalate by filing complaints with the CFPB, FTC, and my State Attorney General and seek legal action for any continued reporting of inaccurate or unverified information. 

This is not a refusal to pay, but a formal dispute and request for validation under the law. You must update all credit bureaus to show this account is in dispute immediately, as required by 15 U.S.C. 1681s-2 ( a ) ( 3 ). 

Sincerely, XXXX XXXX From : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN Last XXXX : XXXX Date : XX/XX/XXXX Subject : Dispute of Account XXXX/Bounce AI | Inaccurate Reporting, Unlawful Collection, and Data Privacy Violations To Whom It May Concern, This is a formal dispute and legal demand concerning the XXXX  account now being collected or reported by Bounce AI and appearing on my XXXX  credit report. The presence and handling of this account include multiple violations of both federal and state consumer protection laws, and I am demanding immediate action. 



I dispute this account for the following legal and factual reasons : XXXX. Inaccurate Credit Reporting : The account shows a status of closed, yet Bounce AI or XXXX is reporting monthly updates well into XXXX, which is factually false and legally misleading. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which requires information reported to consumer reporting agencies to be accurate and not misleading. 
XXXX. False Payment History : The payment history is being misrepresented, showing payments that either never occurred or were never credited correctly. This is inaccurate and defamatory and causes unjust damage to my credit profile. 
XXXX. No Valid Proof of Debt Ownership : I have never received any proof that Bounce AI has legal authority to collect this debt or that it was properly assigned or sold. You have failed to provide the original contract, complete account history, or proper notice of transfer, all of which are required under 15 U.S.C. 1692g ( b ) ( FDCPA ). 
XXXX. Unlawful Transfer and Sale of Personal Information : If XXXX  sold, transferred, or disclosed my personal data ( SSN, DOB, financial information ) to Bounce AI or any other party without direct notice or proper legal basis, it may constitute a data privacy violation under : 15 U.S.C. 1681b ( unauthorized use of consumer data ), The Pennsylvania Breach of Personal Information Notification Act, and Other applicable state and federal privacy laws. 
I demand full disclosure of who has accessed, obtained, or shared my personal information in relation to this account. 



DEMANDS : To Bounce AI : Immediately cease all collection activity. 
Provide full validation of the alleged debt, including : A signed contract ; A complete, itemized payment history ; Proof of assignment or sale from XXXX  to Bounce AI. 

To XXXX  : Investigate and immediately delete this account due to : Inaccurate reporting ; Unverified debt ; Potential data and consumer protection violations. 

Both parties are hereby notified that continued collection activity or reporting without full legal validation is a direct violation of federal law and I will not hesitate to : File complaints with the Consumer Financial Protection Bureau ( CFPB ), Contact the Federal Trade Commission ( FTC ) and the Pennsylvania Attorney General, And seek legal action for damages caused by inaccurate reporting, unauthorized data handling, and harassment. 

This letter serves as a formal dispute under FCRA 15 U.S.C. 1681i and a debt validation request under FDCPA 15 U.S.C. 1692g ( b ). 

Please respond in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation