Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: IL

Complaint narrative:
Bounce AI is furnishing false and materially inaccurate information to all three nationwide credit bureaus ( XXXX, XXXX, and XXXX  ). Despite multiple disputes and the complete absence of any debt validation, the reporting remains not only inaccurate but internally inconsistent in willful violation of the Fair Credit Reporting Act ( FCRA ).

Key FCRA Violations and Inconsistencies : 1. Lack of Debt Validation : I submitted a proper written request for debt validation to Bounce AI. They have failed to provide any supporting documentation, chain of assignment, or itemization of the amount claimed in direct violation of 15 U.S.C. 1692g and FCRA provisions.

2. False and Contradictory Reporting : XXXX  : Reports the account as 180+ days late and under active dispute ( code 022 ), while showing no payment history and a ba
lance of {$22000.00} an irreconcilable contradiction.

XXXX  : Reports an impossible timeline : Collection as of XX/XX/XXXX to XX/XX/XXXX, including continuous late marks ( C ) well into the future a factual and logical impossibility. 
TransUnion : Misclassifies the account as a Factoring Company Account and Placed for Collection without disclosing that Bounce AI is a third-party debt buyer further obscuring the nature of the debt.

3. Failure to Conduct a Reasonable Reinvestigation : I have filed multiple disputes with each bureau under FCRA 611. Each time, the bureaus merely verified the information with Bounce AI who, again, never validated the debt without addressing the blatant inconsistencies noted above. This constitutes a failure to conduct a reasonable reinvestigation as required by law.

4. Material Harm : The continued reporting of this unverifiable, inaccurate collection account is causing significant and ongoing damage to my credit score, impairing my ability to secure housing and access credit. The emotional and financial consequences of this unlawful reporting are substantial.

Demanded Resolution : I hereby demand that : 1. Bounce AI immediately instruct XXXX, XXXX, and XXXX  to permanently delete this unvalidated and inaccurate tradeline.

2. XXXX, XXXX, and XXXX  immediately delete this tradeline based on their failure to conduct a lawful reinvestigation, as well as their role in publishing provably inconsistent and unverifiable data.

3. All parties provide written confirmation of deletion within 10 business days.

4. All three credit bureaus initiate a Rapid Rescore immediately upon deletion to correct the damage caused by this account. Given that your internal systems created this harm, the standard 3045 day timeline is not acceptable. I expect expedited correction using your own rescore procedures, without delay. 



Attached Evidence : Copies of my debt validation request to Bounce AI ( and proof of delivery, if available ) Credit reports from all three bureaus with inconsistencies highlighted Dispute result letter from each bureau showing verified without correction This matter is a clear-cut case of willful non-compliance with the FCRA by both the furnisher ( Bounce AI ) and the consumer reporting agencies. I expect prompt corrective action. If unresolved, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and, if necessary, pursue legal remedy.

Company response to consumer: Closed with explanation