Afni, Inc.

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On January 9, 2017, [redacted] forwarded the account, [redacted] account #: [redacted] Afni, Inc. account #: [redacted] with Afni for collections on the balance of $1,682.33.The account is for...

cellular service established on January 5, 2015, until [redacted] considered the balance delinquent on December 11, 2015. The billing address associated with the account is [redacted] Marietta, GA 30068 and the phone numbers are [redacted] and [redacted]. Afni mailed the initial notice of the account to the consumer on January 11, 2017. On February 26th, Afni furnished the credit reporting agencies with notice of the account. On March 1st, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately.On June 6, 2017, Afni received this complaint. This was Afni’s first contact with the consumer. In response, Afni ceased communication and initiated an investigation. Afni has attached copies of the account billing statements to this response; these are provided as validation of the account. To address the consumer’s concerns, the account has not been purchased by Afni. Afni received the account from [redacted] and acts as an agent on behalf of [redacted]; therefore the consumer would not have a contract with Afni. As a courtesy to the consumer, on June 11th, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report. However, this does not mean that the account is not due and owing, simply that Afni will no longer furnish the account to the credit reporting agencies. On June 13th, Afni received a dispute from the credit reporting agencies; while Afni has not responded yet, Afni will respond appropriately. Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if she would like to discuss the account, she may contact a Regulatory Specialist at (877) 859-8783.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On May 10, 2017, Dish forwarded the subject account, Dish account #: [redacted], Afni, Inc. account #: 065109809-01, with Afni for collections on the balance of...

$383.07. The account is for satellite services which Dish considered the account delinquent on February 16, 2016.  The billing address associated with the account is [redacted] Lehigh Acres, FL 33974.  Afni mailed the initial notice of the account on May 12, 2017.  On June 11, 2017, Afni furnished the credit reporting agencies with notice of the account.  On September 11th and September 12th, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately.  On September 14th, Afni updated the credit reporting agencies on the disputed status of the account.  On October 11th, Afni received another dispute from the credit reporting agencies; while Afni has not responded yet, Afni will respond appropriately. On October 11, 2017, Afni received this complaint.  This was Afni’s first contact with the consumer.  In response, Afni ceased communication and initiated an investigation.  Afni has attached copies of the account billing statements to this response; these are provided as validation of the account.  To address the consumer’s concern, Afni is indeed licensed to collect on a debt in the state of Florida; our license number is CCA0900303.  Additionally, the subject account has not been purchased by Afni.  Afni received the account from Dish and acts as an agent on behalf of Dish; therefore, the consumer would not have a contract with Afni.  Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit report.  Please be aware that it can take the credit reporting agencies anywhere from 0 to 90 days to update consumer credit reports.  Afni has no control over how quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account is not due and owing, simply that Afni will no longer furnish the account to the credit reporting agencies.  Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if she would like to discuss the account, she may contact a Regulatory Specialist at (877) 859-8783.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On November 23, 2016, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the...

balance of $150.78. The account is for cellular services established on January 28, 2006, until [redacted] considered the account delinquent on December 30, 2013.  The billing address associated with the account is [redacted], Monroe, CT 06468, which is the same address the consumer listed on this complaint, and the phone numbers are [redacted] and [redacted].  Afni mailed the initial notice of the account on January 18, 2017, to [redacted], Monroe, CT 06468, which is the same address the consumer listed on her complaint.  On April 9, 2017, Afni furnished the credit reporting agencies with notice of the account.  On April 13th, the consumer called in to speak to an Afni representative along with a third party.  The Afni representative was able to confirm the consumer’s name, however she refused to verify her address when requested, and the call ended. On April 17, 2017, Afni received this complaint.  In response, Afni ceased communication and initiated an investigation.  Afni has attached copies of the account billing statements to this response; these are provided as validation of the account.  In regard to the consumer’s concerns regarding false allegations about Afni on the internet, be assured that Afni takes every consumer complaint and dispute seriously. Afni investigates each account thoroughly and, if applicable, offers the consumer validation of the account in a timely manner. Afni is aware that some websites portray Afni’s reputation in a negative way; however, Afni does not respond to consumer inquiries made in public forums in order to protect the privacy of consumers.  As a courtesy to the consumer, Afni has sent a request to the credit reporting agencies to remove the account from the consumer’s credit report.  However, this does not mean that the account is not due and owing, simply that Afni will no longer furnish the account the credit reporting agencies.  Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if she would like to discuss the account, she may contact a Regulatory Specialist at (87[redacted]

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On March 23, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the...

balance of $30.47. The account is for cellular services established on August 20, 2005, until [redacted] considered the account delinquent on September 14, 2015.  The billing address associated with the account is [redacted] and the telephone numbers are [redacted] and [redacted].  Afni mailed the initial notice of the account on March 25, 2017, and did not receive any returned mail.  Afni has not, and will not furnish the subject account to the credit reporting agencies.  On June 26th, the consumer spoke to an Afni representative and disputed the account.   In response, Afni ceased communication and initiated an investigation.  On June 6, 2017, Afni received this complaint.  In response, Afni continued to cease communication and continued the investigation.  Afni has attached copies of the account billing statements to this response; these are provided as validation of the account.  In response to the consumer’s complaint regarding personal identifying information, [redacted] provided Afni the account holder’s date of birth and the social security number ending in [redacted]. To address the consumer’s concern, the subject account has not been purchased by Afni.  Afni received the account from [redacted] and acts as an agent on behalf of [redacted].  Afni will not use the consumer’s personal information for any other purpose than collecting on a debt for our client, [redacted]. Afni has not, and will not furnish the subject account to the credit reporting agencies. However, this does not mean that the account is not due and owing, simply that Afni will not furnish the account to the credit reporting agencies.  Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if she would like to discuss the account, she may contact a Regulatory Specialist at [redacted].

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On September 6, 2016, [redacted] forwarded the subject account, [redacted] account #: [redacted] Afni, Inc. account #: [redacted], with Afni for collections on the balance of $1,587.17. The account is for cellular services established on December 12, 2012, until [redacted] considered the account delinquent on November 11, 2015.  The billing address associated with the account is [redacted], Fort Worth, TX 76112, which is the same address the consumer listed on the complaint, and the phone number is [redacted].  Afni mailed the initial notice of the account on September 9, 2016.  On October 23, 2016, Afni furnished the credit reporting agencies with notice of the account.  Between May 4th and July 12, 2017, Afni received multiple disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately.  On May 7th, Afni updated the credit reporting agencies on the disputed status of the account.     On August 24, 2017, Afni received this complaint.  This was Afni’s first contact with the consumer.  In response, Afni ceased communication and initiated an investigation.   Afni has attached copies of the account billing statements to this response; these are provided as validation of the account.  To address the consumer’s concern, Afni will no longer contact the consumer about this account.  On September 13, 2017, Afni requested all credit reporting information to be removed from the consumer’s credit report.  Please be aware that it can take the credit reporting agencies anywhere from 0 to 90 days to update consumer credit reports.  Afni has no control over how quickly the credit reporting agencies update consumer credit reports.  Afni trusts this response has addressed the consumer’s concern and considers the matter closed.

This is in response to your Revdex.com complaint.  Afni appreciates the opportunity to respond to the claimant’s concerns.  On February 13, 2018, [redacted] Insurance forwarded the subject account, [redacted] Insurance account #: [redacted], Afni, Inc. account #: [redacted],...

with Afni for resolution on the balance of $2,225.93. The account is from an [redacted] which occurred on June 15, 2017, in a vehicle that the claimant, [redacted], is listed as the driver.  The incident occurred when the claimant’s vehicle struck our insured’s vehicle in a parking lot.  The billing address associated with the account is [redacted], Valpraiso, NE 68065.  Afni mailed the initial notice of the account to the claimant on or about February 18, 2018.  On February 21st, the claimant spoke to an Afni representative and stated that he was the driver of the vehicle that hit our insured’s vehicle and that the vehicle he was operating is covered under United States government who is self-insured.  However, when asked what company the claimant works for, the call became disconnected.  Later that same day, a representative from [redacted] called in and spoke to an Afni representative stating that the claimant would be calling back in with his insurance information.  On February 24th, Mr. [redacted] called in and provided the contact information for the [redacted] Management Center for the US Government.  Once that contact information was provided Afni updated our file to contact the [redacted] Management Center and cease communication with Mr. [redacted]. On February 26, 2018, Afni received this complaint.  In response, Afni ceased communication and initiated an investigation.  To address the claimant’s concerns, the account has been referred to Afni’s Insurance Department, and they will be handling this claim directly with [redacted] Management Center for resolution. If you have any further questions, Afni’s Insurance Department can be reached at (888) [redacted].

Initial Business Response /* (1000, 5, 2015/08/20) */
This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer's concerns. On July 28, 2015, [redacted] forwarded the subject account, [redacted] account #: XXXXXXXXXXXXXXXX, Afni Inc. account #:...

XXXXXXXXX-XX, with Afni for collections on the balance of $221.87.
The account is for satellite services established on May 14, 2011, until [redacted] considered the account delinquent on April 24, 2014.The billing address associated with the account is [redacted] Omaha, Nebraska XXXXX. Afni mailed the initial notice of the account on July 30, 2015.
On August 6, Afni received this complaint. This was Afni's first contact with the consumer. In response, Afni ceased communication and initiated an investigation. Afni has attached bill copies from the account for the consumer's reference. Afni has also attached an I.D. theft affidavit to aid the consumer in filing identity theft on the account, if she chooses to do so. Afni has made the business decision to cease collection activities on the account and return the account to [redacted] Afni never furnished this account to the credit reporting agencies. The consumer should contact [redacted] directly if she would like to discuss the account further.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On April 3, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance of $559.24....

The account is for services established on November 29, 2014, until [redacted] considered the account delinquent on January 1, 2015.  The service address associated with the account is [redacted], Winston Salem, NC 27104 and the billing address is [redacted], Boonville, NC 27011, which is the same address listed on the complaint.  Afni mailed the initial notice of the account on April 4, 2017, to [redacted], Durham, NC 27713 and did not receive any returned mail.  On May 7, 2017, Afni furnished the credit reporting agencies with notice of the account. On May 15, 2017, Afni received this complaint.  Afni has had no communication with the consumer until receiving this complaint. In response, Afni ceased communication and initiated an investigation.  Afni has attached copies of the account billing ledger to this response; these are provided as validation of the account.  On May 17th, Afni received a dispute from the credit reporting agencies; while Afni has not responded yet, Afni will respond appropriately.  To address the consumer’s concerns, Afni mailed the first notice to [redacted], Durham, NC 27713 and did not receive any returned mail.  As a courtesy to the consumer, Afni has sent a request to the credit reporting agencies to remove the account from the consumer’s credit report.  However, this does not mean that the account is not due and owing, simply that Afni will no longer furnish the account the credit reporting agencies.  Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if she would like to discuss the account, she may contact a Regulatory Specialist at ([redacted].

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the claimant’s concerns.  On February 16, 2018, [redacted] Insurance forwarded the subject account, [redacted] Insurance account number: [redacted], Afni, Inc. account number: [redacted], with Afni...

for resolution on the balance of $12,800.00. The account is from an accident which occurred on January 6, 2017, involving a vehicle that was listed as belonging to and driven by [redacted]; a 2011 Subaru Outback with license plate: [redacted].  The address associated with the account is [redacted], Las Cruces, NM 88001.  Afni mailed the initial notice of the account on or about March 30th.  On [redacted] 26, 2018, Afni received this complaint.  In response, Afni ceased communication and initiated an investigation.  To address the claimant’s concern, Afni reviewed all of the calls Afni representatives had with the claimant.  At no time did the claimant provide Afni with her credit card information.  Afni never took a payment from the consumer’s credit card; hence, she did not see that payment on her statement.  As Afni has clearly stated to the claimant on several occasions, Afni cannot accept postdated credit card payments for security purposes.  The Afni representative furnished accurate information when she told the claimant that Afni can only accept postdated ACH payments from a checking account. Afni can only accept immediate credit card payments.    Afni has explained to the claimant numerous times that if she wishes to pay by credit card she needs to call in each time to make the payment.  Afni also has a website, www.afnicollections.com, that she can make secure payments online using her debit card, VISA, Mastercard or checking account. The claimant refused to do this.  Additionally, Afni representative, Kim, never stated to the claimant that she worked for [redacted].  The Afni representative stated that the payment arrangement was for $100.00 per month but that it was up to the claimant if she wanted to pay $50.00 twice per month.  In regard to the notarized document, the Afni representative stated it was up to the claimant on whether she got the document notarized and that Afni could not and would not force her.  This is a tort, or wrongful act, and [redacted] Insurance is pursuing Ms. [redacted] as she was the driver of the vehicle that failed to yield and struck the [redacted] insured.  Ms. [redacted] was found to be responsible for the accident based on the investigation completed by [redacted] Insurance.  Afni trusts this response has addressed the claimant’s concerns, but if questions remain, or if she would like to discuss the [redacted] Insurance account further, she may contact an Afni representative at (866) 889-1617.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns. On April 21, 2016, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni Inc. account #: [redacted] with Afni for collections on the balance of $144.77. The...

account is for services established on June 1, 2014, until [redacted] considered the account delinquent on December 12, 2014.The billing address associated with the account is [redacted]. Afni mailed the initial notice of the account on April 24, 2016. On June 12, Afni furnished the credit reporting agencies with notice of the account. On October 20, Afni received a complaint from the Revdex.com, which Afni responded to on October 27. Later that same day, October 20, [redacted] requested that Afni cease collection activities on the account and return the account to [redacted], which Afni did. On October 23, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report. On December 6, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately. On December 29, Afni received this complaint. In response, Afni initiated another investigation. On January 3, 2017, Afni sent another request to the credit reporting agencies to remove the account from the consumer’s credit report. Afni trusts this has resolved the consumer’s concerns. Since the account is no longer in Afni’s office, the consumer should contact [redacted] directly if he would like to discuss the account further.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns. On June 23, 2016, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni Inc. account #: [redacted], with Afni for collections on the balance...

of $462.47.   The account is for services established on November 21, 2014, until [redacted] considered the account delinquent on February 28, 2015.The billing address associated with the account is [redacted]. Afni mailed the initial notice of the account on June 25, 2016. On July 24, Afni furnished the credit reporting agencies with notice of the account. On October 7, Afni received a letter from the consumer disputing the account. In response, Afni ceased communication and initiated an investigation. On October 16, Afni furnished the credit reporting agencies with notice of the disputed status of the account. On October 24, Afni sent the consumer bill copies as validation of the account. On November 16, Afni received five letters from the consumer disputing the account.   On December 4, Afni received this complaint. In response, Afni ceased communication and initiated another investigation. On December 9, [redacted] adjusted the balance of the account by $400.00, leaving the account with a balance of $62.47. Afni has attached the bill copies previously sent to the consumer, along with additional bill copies, as validation. To address the consumer’s concern, Afni is licensed to collect debt in all states that require Afni to do so. In an effort to assist the consumer, Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit report. However, this does not mean that the account is not still due and owing. It simply means that Afni has made the decision to no longer furnish the account to the credit reporting agencies. Afni will continue to cease communication on the account. The consumer may contact a Compliance Specialist at [redacted], if he would like to discuss the account further.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12120455, and find that this resolution is satisfactory to me. I have filled out the attached fraud affidavit and faxed it to the number listed in the complain. I appreciate [redacted] for their quick response and in understanding that I did not authorize these accounts. Thank you . Mr [redacted]

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On December 27, 2016, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the...

balance of $934.02. The account is for cellular services established on December 10, 2010, until [redacted] considered the account delinquent on October 8, 2012.  The billing address associated with the account is [redacted], and the phone numbers are [redacted] and [redacted].  Afni mailed the initial notice of the account on January 26, 2017.  On March 19, 2017, Afni furnished the credit reporting agencies with notice of the account.  On April 19th, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately.  On April 23rd, Afni updated the credit reporting agencies on the disputed status of the account.  On October 10, 2017, Afni received this complaint.  This was Afni’s first contact with the consumer.  In response, Afni ceased communication and initiated an investigation. Afni has attached copies of the account billing statements to this response; these are provided as validation of the account.  The consumer’s signed service agreement is located on page 26 of her account billing statements.  To address the consumer’s concern, Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit report.  Please be aware that it can take the credit reporting agencies anywhere from 0 to 90 days to update consumer credit reports.  Afni has no control over how quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account is not due and owing, simply that Afni will no longer furnish the account to the credit reporting agencies.  As the consumer has requested, Afni will no longer contact the consumer about this account.  Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if she would like to discuss the account, she may contact a Regulatory Specialist at [redacted].

I am rejecting this response because:
AFNI continues to make inquiries on my credit report regarding this fraudulent account and I want all inquiries deleted from my credit report immediately.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12040714, and find that this resolution is satisfactory to me.However, can you get a date that they requested the credit bureaus delete the account and how long that will take?

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On August 14, 2017, [redacted] Communications forwarded the subject account, [redacted] Communications account #: [redacted], Afni, Inc. account #: [redacted], with Afni for...

collections on the balance of $222.94. The account is for services established on March 31, 2011, until [redacted] Communications considered the account delinquent on June 11, 2011.  The service address associated with the account is [redacted], Tucson, AZ 85716.  Afni mailed the initial notice of the account on August 17, 2017. Afni has not, and will not furnish the subject account to the credit reporting agencies.  On August 23, 2017, [redacted] Communications requested Afni to cease collections and return the account.  On August 28th, the consumer called an Afni representative to state that the account did not belong to him.  In response, Afni ceased communication and initiated an investigation.  On August 29, 2017, Afni received this complaint.  In response, Afni continued to cease communication and continued the investigation. To address the consumer’s concern, the subject account has not been purchased by Afni.  Afni received the account from [redacted] Communications and acts as an agent on behalf of [redacted] Communications.  Afni is no longer the collection agency handling the subject account.  Further questions regarding the account should be directed to [redacted] Communications.

I am rejecting this response because: AFNI INC. is claiming I owe them (AFNI INC.) a debt with no valid proof of contract (meeting of the minds) or any other documentatioin between I and them (AFNI INC.).  A [redacted] "BILL" is not proof what-so-ever that I owe AFNI INC. or have an alledged debt with AFNI INC.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On August 18, 2016, [redacted] forwarded the subject account, [redacted] account #: 8220111104087350, Afni, Inc. account #: 060588629-01, with Afni for collections on the balance...

of $80.11. The account is for satellite services which [redacted] considered the account delinquent on August 6, 2014.  The billing and service address associated with the account is [redacted], Marietta, GA 30064.  Afni mailed the initial notice of the account on August 21, 2016.  On October 23rd, Afni furnished the credit reporting agencies with notice of the account.  On January 3, 2017, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately.  On January 8th, Afni updated the credit reporting agencies on the disputed status of the account.  On January 29th, Afni received a letter from the consumer disputing the account with a refusal to pay.  In response, Afni ceased communication and initiated an investigation.  As a result of the investigation, Afni mailed a validation letter to the consumer on February 1st. Additionally, that same day, Afni mailed the account billing statements to the consumer as validation on the account.  On August 16th, the consumer called in and spoke to an Afni representative and made a payment of $80.11 to close the account as paid in full. Later that same day on August 16, 2017, Afni received this complaint.  In response, Afni ceased communication and initiated an investigation.  Afni has provided bill copies for the consumer's reference.  To address the consumer’s concern, Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit report.  Please be aware that it can take the credit reporting agencies anywhere from 0 to 90 days to update consumer credit reports.  Afni has no control over how quickly the credit reporting agencies update consumer credit reports.  As the account is paid in full, further questions should be directed to [redacted] as Afni is no longer handling the account.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On December 14, 2016, [redacted] forwarded the account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance...

of $685.28. The account is for cellular services established on May 24, 2012, until [redacted] considered the balance delinquent on June 16, 2012.  The billing address associated with the account is [redacted] and the phone number is [redacted].  Afni attempted to mail the initial notice of the account to the consumer on January 24, 2017.  Afni received notice that the address was incorrect and did not receive an updated address until April 8th. Afni mailed a new initial notice on the account on April 9th.  On March 19th, Afni furnished the credit reporting agencies with notice of the account.  On March 22nd, the consumer spoke to an Afni representative and disputed the account.  In response, Afni ceased communication and initiated an investigation.  On March 23rd, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately.  On March 26th, Afni updated the credit reporting agencies on the disputed status of the account.  On June 30, 2017, Afni received this complaint.  In response, Afni ceased communication and initiated another investigation.   Afni has attached copies of the account billing statements to this response; these are provided as validation of the account.    To address the consumer’s concerns, the account has not been purchased by Afni.  Afni received the account from [redacted] and acts as an agent on behalf of [redacted]; therefore, the consumer would not have a contract with Afni.  On July 2nd, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report.  However, this does not mean that the account is not due and owing, simply that Afni will no longer furnish the account to the credit reporting agencies.  Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if she would like to discuss the account, she may contact a Regulatory Specialist at [redacted].

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On September 6, 2016, [redacted] forwarded the subject account, [redacted] account #: [redacted] Afni, Inc. account #: [redacted], with Afni for collections on the balance of...

$1,587.17. The account is for cellular services established on December 12, 2012, until [redacted] considered the account delinquent on November 11, 2015.  The billing address associated with the account is [redacted], Fort Worth, TX 76112, which is the same address the consumer listed on the complaint, and the phone number is [redacted].  Afni mailed the initial notice of the account on September 9, 2016.  On October 23, 2016, Afni furnished the credit reporting agencies with notice of the account.  Between May 4th and July 12, 2017, Afni received multiple disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately.  On May 7th, Afni updated the credit reporting agencies on the disputed status of the account.     On August 24, 2017, Afni received this complaint.  This was Afni’s first contact with the consumer.  In response, Afni ceased communication and initiated an investigation.   Afni has attached copies of the account billing statements to this response; these are provided as validation of the account.  To address the consumer’s concern, the state of Texas does not require a license to collect on a debt.  As the consumer has requested, Afni will no longer contact the consumer about this account.  Additionally, Afni understands that the consumer is seeking removal of this tradeline from their credit report; however, to remain in good standing with the credit reporting agencies, Afni’s policy is to furnish the accurate status only. Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if she would like to discuss the account, she may contact a Regulatory Specialist at [redacted].