Consumer complaint received 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
Bounce AI has now submitted two CFPB responses that are word-for-word identical. There is no investigation, no validation, and no documentation that satisfies any requirement under the Fair Credit Reporting Act or the Fair Debt Collection Practices Act. Their duplicate responses ignored all evidence I provided and avoided every factual defect I identified. 

Bounce AI failed to address the identity theft report I submitted, the contradictory and impossible dates in their reporting, the first delinquency date that predates the open date, and the identity information tied to a former surname connected to the identity theft incident. They also ignored the evidence packet I submitted to the CFPB. 

Bounce AI repeatedly claims that they sent validation on XX/XX/XXXX, but they have never produced a copy of that mailing to me or to the CFPB. They have produced no contract, no E-SIGN audit trail, no identity verification records, no KYC documentation, no application information, no device or IP authentication logs, and no chain of title. None of these legally required materials have been submitted. 

Bounce AIs CFPB responses falsely state that an FTC Identity Theft Report is insufficient. This is incorrect. Under 15 USC section 1681c-2, an FTC Identity Theft Report qualifies as a valid identity theft report. A police report is not required. Bounce AI is unlawfully conditioning compliance on a document the statute does not require. 

Bounce AIs response also includes the statement that they will refrain from further investigation. That is an admission that they are refusing to conduct the reinvestigation required under 15 USC section 1681s-2 ( b ) while continuing to furnish information they can not verify.

Bounce AI attached a supposed loan agreement showing a signature dated XX/XX/XXXX. The name, date, and data fields do not match my records, do not match my identity information, and do not match any legitimate origin data. The IP address shown does not correspond to my devices, service providers, or physical location at that time. The page lacks any XXXX verification, any identity match, any device-level authentication, and any origin-tracking logs required for digital credit origination. This is not a valid contract, does not satisfy federal E-SIGN requirements, and can not be used to verify consumer identity. 

XXXX has already been filed with the XXXX XXXX XXXX, and the case is active. Bounce AI has also failed to comply with their obligations under XXXX XXXX XXXX, including the duty to produce validation documents, identity verification data, and all materials required for a full evidentiary review. 

Bounce AI is now on notice that : their duplicate template responses are being submitted as evidence of willful noncompliance their refusal to investigate after receiving an identity theft report violates sections XXXXs-2 ( a ) and 1681s-2 ( b ) their refusal to delete a fraudulent tradeline violates section 605B their failure to provide any documentation meeting FDCPA or FCRA standards is a continuing violation their continued furnishing without verification qualifies for statutory damages under sections 1681n and 1681o I am requesting escalation, supervisory review, and enforcement action. 
This account is fraudulent, unverified, internally inconsistent, and supported by a digital agreement that does not meet legal standards for identity verification. 
Bounce AI continues to furnish false information in violation of federal law, and immediate deletion of this tradeline is required.

Company response to consumer: Closed with explanation