Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: MD

Complaint narrative:
b'FORMAL COMPLAINT AGAINST BOUNCE AI, INC.\nAlleged Violations of FCRA and FDCPA\nAlleged Violation of FCRA (15 U.S.C. 1681b)\nXXXX XXXX XXXX XXXX Bounce AI accessed my credit files at Experian without having a "permissible purpose" under the FCRA. As they remain unable to validate the existence of the alleged debts, it is demonstrated that they lacked the legal basis to review my personal information. This access constituted an illegal intrusion from the outset.\nAlleged Violation of FDCPA (15 U.S.C. 1692g(a))\nOn February 18, 2026, Bounce AI initiated collection communications via telephone calls and automated SMS. The company began collection activities without having provided the mandatory initial written notice required by law.\nFormal Dispute and Cease and Desist Order\nOXXXX XXXX XXXX XXXX XXXX sent a formal dispute contesting the validity of all alleged debts and demanding an absolute cessation of all collection activity for all accounts (USPS Tracking: XXXX XXXX XXXX XXXX XXXX XXXX.\nConfirmed Receipt of Cease and Desist Order\nOn XXXX XXXX XXXX Bounce AI received and signed for my Cease and Desist order aXXXX XXXX XXXX The company acquired direct knowledge that all accounts were formally disputed.\nAlleged Violation of FDCPA (15 U.S.C. 1692c(c) and 1692g(b))\nOXXXX XXXX XXXX XXXX Bounce AI continued collection activities and reviews of my XXXX credit file after receiving my Cease and Desist order. This act constitutes a flagrant violation of 15 U.S.C. 1692g(b).\nWillful Violation and Prohibited Collection Activity\nOn XXXX XXXX XXXX Bounce AI internally generated new collection documentation for the accounts. This action occurred after receiving my Cease and Desist order. The generation of new documentation demonstrates a proactive decision by the agency to continue collecting alleged debts after being notified of the absolute prohibition on contact.\nDeceptive Manipulation of Correspondence (15 U.S.C. 1692e)\nBounce AI claims to have generated validation notices on XXXX XXXX XXXX XXXXowever, records from USPS Informed Delivery confirm these documents did not enter the postal system until XXXX arriving at my residence XXXX XXXX XXXX XXXX XXXXis ~20-day discrepancy is not an administrative delay; it is a calculated act of backdating official documents. Bounce AIs attempt to assert a "30-day dispute window" based on these backdated documents is legally baseless and deceptive, as all alleged debts were already subject to a formal Cease and Desist order and a direct validation dispute at the time these documents were allegedly created. By intentionally falsifying the creation date of these documents, Bounce AI has willfully engaged in deceptive practices to mask their failure to provide timely validation and to circumvent their legal obligation to cease all collection activity.\nNotice of Failure to Meet Validation Deadline\nOXXXX XXXX XXXX XXXX XXXX XXXXnt a formal notice of default due to the lack of timely validation (USPS TrackingXXXX XXXX XXXX XXXX XXXX XXXX XXXX.\nConfirmed Receipt of Notice of Default\nBounce AI received my notice of default on XXXX XXXX XXXX XXXX XXXX XXXXAttempted Retroactive Validation XXXX XXXX XXXX XXXX XXXX Bounce AI used the XXXX portal to present documentation that should have been provided at the time of the initial request. This attempt to validate alleged debts months later does not correct prior FDCPA violations.'

Company response to consumer: Closed with explanation