Afni, Inc.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns. On January 28, 2016, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted] with Afni for collections on the balance of $174.84....

  The account is for services established on July 19, 2014, until [redacted] considered the account delinquent on September 30, 2015. The billing address associated with the account is 2[redacted], Buckeye, AZ 85326. Afni mailed the initial notice of the account on January 30, 2016.  On February 28, Afni furnished the credit reporting agencies with notice of the account.  On March 24, [redacted] notified Afni that a payment of $174.84 was received, closing the account as payment in full.   On January 29, 2017, Afni received this complaint. In response, Afni ceased communication and initiated an investigation. Afni has attached a final billing statement from the account reflecting a $0 balance, for the consumer’s reference. Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report on January 29. Since the account has been paid in full, the consumer should contact [redacted] directly if she would like to discuss the account further.

This is in response to your Revdex.com Rejection complaint ID [redacted]  Afni appreciates the opportunity to respond to the consumer’s concerns.  This response covers two accounts; I will address them individually. On July 18, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance of $1,822.97.  The account is for cellular services established on May 26, 2016, until [redacted] considered the account delinquent on September 25, 2016.  The billing address associated with the account is 4[redacted], Chicago, IL 60609, and the phone numbers are [redacted] and [redacted].  Afni mailed the initial notice of the account on July 21, 2017, to [redacted], Hammond, IN 46324, and did not receive notice of returned mail.  On September 3, 2017, Afni furnished the credit reporting agencies with notice of the account.  On September 18th and September 22nd, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately.  On September 24, 2017, Afni updated the credit reporting agencies on the disputed status of the account.  On October 10th, Afni received a letter from the consumer disputing the account.  In response, Afni ceased communication and initiated an investigation.  On October 17th, Afni responded to the consumer’s duplicate complaint filed through the Revdex.com portal on October 11th.  Afni has attached the consumer’s [redacted] lease agreements with the consumer’s signature, thus, supplying Mr. [redacted] with the verifiable account proof he is requesting. On June 27, 2016, [redacted] forwarded the account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance of $340.32. Please note that this is for bundled services and all equipment charges are not included in the balance Afni is collecting upon.     The account is for satellite services which [redacted] considered the account delinquent on August 22, 2013.  The billing and service address associated with the account is [redacted], Gary, IN 46402.  Afni attempted to mail the initial notice of the account to the consumer on July 1, 2016.  Afni received notice that the address was incorrect and did not receive an updated address.  On August 28, 2016, Afni furnished the credit reporting agencies with notice of the account.  Between September 18th and September 22, 2017, Afni received multiple disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately.  On September 24th, Afni updated the credit reporting agencies on the disputed status of the account.  On September 18th, Afni received a letter from the consumer disputing the account.  In response, Afni ceased communication and initiated an investigation.   Afni received subsequent letters from the consumer on October 4th and October 10th.  In response, Afni continued to cease communication and continued the investigation.  On October 17th, Afni responded to the consumer’s duplicate complaint filed through the Revdex.com portal on October 11th. On October 27, 2017, Afni received this rejection complaint.  In response, Afni continued to cease communication and initiated a new investigation.  Afni has attached copies of the account billing statements previously supplied to the consumer for both the [redacted] and [redacted] accounts to this response for the consumer’s reference.  To address the consumer’s concern, the [redacted] account has been updated as identity theft as Mr. [redacted] denied knowledge of any service with [redacted].  Afni encourages the consumer to visit [redacted]'s fraud website at [redacted], which discusses the process and documentation needed for the fraud investigation.  Additionally, the consumer should contact [redacted]'s Identity Theft Department at [redacted] if he believes the account is not his or feels this is a case of identity theft.  The accounts have not been purchased by Afni.  Afni received the accounts from [redacted] and [redacted], respectively, and acts as an agent on behalf of [redacted] and [redacted]; therefore, the consumer would not have a contract with Afni.   To address the consumer’s concern, the [redacted] account was updated as identity theft as Mr. [redacted] denied knowledge of any service with [redacted].  A [redacted] Fraud Affidavit is attached for completion by Mr. [redacted].  Afni encourages Mr. [redacted] to complete and return the Fraud Affidavit to:  [redacted] Fraud Management, OCA Dispute, KSOPHE0202-2C516, 6360 [redacted] Parkway, Overland Park, KS 66251 for investigation.  Placing a fraud alert with the credit reporting agencies is a suggestion and not required to investigate a fraud claim.  Mr. [redacted] may also contact [redacted]'s Fraud Department directly if he has any questions regarding the fraud process at (888) 788-0788.  As the consumer has requested, Afni will no longer contact the consumer about these accounts.  On October 15, 2017, Afni sent a request to the credit reporting agencies to remove the [redacted] account from the consumer’s credit report.  Please be aware that it can take the credit reporting agencies up to 60 days to update consumer credit reports.  Afni has no control over how quickly the credit reporting agencies update consumer credit reports.  In regard to the [redacted] account, 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 and to meet our obligation with [redacted], Afni’s policy is to furnish the accurate status only.  Once Mr. [redacted] returns his fraud affidavit to [redacted] and the investigation has been completed, if appropriate, the credit reporting agencies will be notified of any updates at that time.  Afni trusts this response has addressed the consumer’s concerns and considers the matter closed.

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 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].

I am rejecting this response because: This is not me, its evident that someone has utilized my information as in identity theft and has the account in question under my name. This is not my account period!!! I will repeat that I DO NOT HAVE any kind of contract with AFNI.

I am rejecting this response because: I have submitted this Fraud Package along with the requested information several times. Each time the rep states that I need to send in additional information. This account was open fraudulently and I have been more than fair with this company. As you can see there were never any payments made on the account what so ever. I have provided pay stubs, bank statements, rental lease, as well as a photo copy of my identification for this to be removed from my credit report. The last rep stated that it would be removed immediately and yet it still remains on my credit report. I refuse to send in anything else. This needs to be removed or [redacted] needs to provide proof of me living at this address. Besides the bill that they have. This is not proof that I live here. I want to see a signed contract or agreement that has my signature on it. If this was open online, I would like the IP address that was used to open this account. I would like to know what measures did this company use before allowing services to be operated at this location? Did the technician ask for a copy of identification? I have a number on my credit report that request that I be called before extending credit. This method was not used. So therefore, I reject this statement.

Initial Business Response /* (1000, 5, 2015/07/28) */
This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer's concerns. On March 6, 2015, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni Inc. account #: XXXXXXXXX-XX,...

with Afni for collections on the balance of $446.07.
The account is for television, internet, and home phone services established on November 1, 2012, until [redacted] considered the account delinquent on October 28, 2013.The billing address associated with the account is [redacted] Santa Clarita, [redacted], and the phone number is [redacted]. Afni mailed the initial notice of the account on March 8, 2015. On April 26, Afni furnished the credit reporting agencies with notice of the account.
On July 14, Afni received this complaint. This was Afni's first contact with the consumer. In response, Afni ceased communication and initiated an investigation. On July 19, Afni furnished the credit reporting agencies with notice of the disputed status of the account. Afni has attached the final bill copy from the account, as validation. Afni has also attached an [redacted] Fraud packet, to aid the consumer in filing identity theft on the account if she chooses to do so. To address the consumer's concerns, Afni does not own the account, and is simply working the account on behalf of [redacted]. Additionally, as Afni is not privy to conversations between the consumer and another collection agency, Afni is unable to discuss those conversations. Afni will continue to cease communication on the account. The consumer may contact a Consumer Relations Specialist at XXX-XXX-XXXX, if she would like to discuss the account further.
Initial Consumer Rebuttal /* (3000, 7, 2015/07/30) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I copied all of the info they require, about 100 pages, when I wanted to fax it, I couldn't find the form to sign so they can do a Fraud Investigation. It wasn't attached to this info as stated. I called AFNI to see if they can fax one to me or e-mail, they said they can't do either, but will mail one which takes 7 to 10 business days. I am afraid this will go over my allowed time to have the resolved. They said they could have faxed it if they hadn't already put in a request to have it mailed. I find this hard to believe. I hate giving all of my personal info to a place like this. It appears I have no rights and there is nothing to protect me They want proof of residence, which is a lot of personal info, such as pay stubs, bank statements and the such. They want a copy of my Driver's License and other I.D. I don't feel like I can trust this place and am feeling very put out and taken advantage of. I have lived in Arizona since 2010 and this debt took place in 2012. These collection companies have all the rights and authority and the consumer has nothing on their side. When I spoke with [redacted] in [redacted] 2015, which is the first time I knew anything of this account. They wouldn't accept anything I had to say, but were willing to accept a lesser amount to pay this off. They couldn't even find an account in my name at [redacted] because they had already sent it to a Collection Agency. I explained this isn't mine as I live in [redacted], they were not interested. At that time the account had been sent to [redacted] Credit System Acct # XXXXXXXX and now it belongs to a different Collection Agency, AFNI, Acc: XXXXXXXXX and they couldn't find it under that number, I had to give more personal info to them. This is very frustrating and has taken a lot of my time . The biggest thing I don't understand is why [redacted] would open an account without proof of I.D. and residence,

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns. On December 8, 2014, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni Inc. account #: [redacted], with Afni for collections on the balance of $306.61....

  The account is for satellite services established on March 31, 2010, until [redacted] considered the account delinquent on August 1, 2013.The billing address associated with the account is [redacted] Tallahassee, Florida 32303. Afni mailed the initial notice of the account on December 10, 2014. On January 11, 2015, Afni furnished the credit reporting agencies with notice of the account. On February 5, the consumer spoke to an Afni representative and stated that he had paid the account to [redacted] the previous day. On February 6, [redacted] notified Afni of a payment on the account in the amount of $306.61, which closed the account as paid in full. On February 22, Afni furnished the credit reporting agencies with notice of the paid in full status of the account. On November 14, 2016, the consumer spoke to an Afni representative and requested to have this removed from his credit report. On November 16, Afni received a dispute from the credit reporting agencies, while Afni has not responded yet, Afni will respond appropriately.   Later that same day, Afni received this complaint. In response, Afni initiated an investigation. 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. Since the account has been paid in full, the consumer should contact [redacted] directly if he would like to discuss the account further.

I am rejecting this response because: AFNI has lied directly on this matter they have called several different times even after being provided with a POA from my lawyer they have called my husbands phone they have called both of our children’s phones AFNI has been told to stop calling us and call [redacted] Law at the number provided on their power of attorney form.  They continue to violate the law and deserve severe punishment I am sure the law states that after proving I owe the debt and being provided a power of attorney to contact who is resolving all of our debt they can not legally call us. There is a healthy fine that comes along with this violation and I would like to receive the $1000.00 fine with in ten days from today 02-16-2018.  I will pursue further legal action with my legal team if AFNI tries to continue with collection attempts or phone and or written contact to anyone at our address.  If AFNI has any questions they call the [redacted] Law Office at [redacted]

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On January 31, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the...

balance of $433.86.  Please note that this is for bundled services and all equipment charges are not included in the balance Afni is collecting upon. The account is for satellite services which [redacted] considered the account delinquent on April 7, 20105.  The billing and service address associated with the account is [redacted], which is the same address the consumer listed on the complaint.  Afni mailed the initial notice of the account on February 3, 2017, to [redacted] and did not receive any returned mail.  On April 2nd, Afni furnished the credit reporting agencies with notice of the account.  On May 31st, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately.  On June 4th, Afni updated the credit reporting agencies on the disputed status of the account.  On June 6th and June 16th, Afni received disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately.    On August 9, 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 has received no communication from the consumer prior to receiving this complaint.  Additionally, when a consumer submits a dispute through the credit reporting agencies, Afni responds directly to the credit reporting agencies.  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 [redacted].

I am rejecting this response because: I am rejecting this response because: the verbiage in the letter states that the balance is still owed. The way the letter reads it states that AFNI is not a debt purchaser they are just a collector for the original creditor [redacted]. This debt has is not owed to [redacted] to be collected by AFNI. The debt or bill sent to me recently is not a valid debt. It has been disputed several times and the last customer service representative I spoke to advised that my account was closed with a zero balance. I request to resolve this matter that my file is closed, not put in dispute. The balance is zero. I agree with you terminating call collections activities. I agree also that AFNI request the credit bureaus to delete their trade line from my credit bureau file. Fair Debt Collection practices Act, allows me to defend myself against predatory collectors by contacting the consumer protection agency.

Initial Business Response /* (1000, 10, 2015/11/27) */
This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer's concerns. On October 14, 2013, [redacted] forwarded the subject account, [redacted] account #: [redacted] Afni Inc. account #: [redacted], with...

Afni for collections on the balance of $1,437.97.
The account is for cell phone services established on November 16, 2011, until [redacted] considered the account delinquent on December 17, 2012.The billing address associated with the account is [redacted] Colorado Springs, Colorado XXXXX, and the phone numbers are [redacted]. Afni mailed the initial notice of the account on October 16, 2013. On December 1, Afni furnished the credit reporting agencies with notice of the account. On April 1, 2014, Afni was notified that the account was included in a bankruptcy. On April 6, Afni furnished the credit reporting agencies with notice of the bankruptcy status of the account. On August 24, 2015, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately. On November 10, the consumer spoke to an Afni representative and stated that the account was showing as being included in a bankruptcy on her credit report. In response, Afni sent another request to the credit reporting agencies to update the status of the account as being included in a bankruptcy. On November 11, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded to delete the account from the consumer's credit report.
On November 13, Afni received this complaint. In response, Afni initiated an investigation. On November 15, Afni sent a request to the credit reporting agencies to remove the account from the consumer's credit report. Afni has attached bill copies from the account for the consumer's reference. In an effort to assist the consumer, Afni will send another request to the credit reporting agencies to remove the account from the consumer's credit report. Afni apologizes for any inconvenience this has caused the consumer. Afni trusts this has resolved the consumer's concerns. Since the account has been closed as being included in a bankruptcy, the consumer should contact [redacted] directly if she would like to discuss the account further.
Initial Consumer Rebuttal /* (2000, 12, 2015/12/01) */
(The consumer indicated he/she ACCEPTED the response from the business.)
As long as they have reported this information to the credit reporting agencies I am fine.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On January 27, 2017, AT&T forwarded the subject account, AT&T account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance...

of $208.06. The account is for telephone services established on April 1, 2010, until AT&T considered the account delinquent on August 25, 2015.  The billing address associated with the account is [redacted] Summerville, SC 29485, and the phone number is ([redacted].  Afni mailed the initial notice of the account on January 30, 2017, to [redacted], Charleston, SC 29414, which is the same address the consumer listed on the complaint.  Afni did not receive notice of returned mail, and as a result can infer that the initial notice of rights was received.   On March 19, 2017, Afni furnished the credit reporting agencies with notice of the account.  On September 28th and September 29th, Afni received disputes from the credit reporting agencies; while Afni has not responded yet, Afni will respond appropriately.  On October 1st, Afni updated the credit reporting agencies on the disputed status of the account.   On October 5, 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 subject account has not been purchased by Afni.  Afni received the account from AT&T and acts as an agent on behalf of AT&T; therefore, the consumer would not have a contract with Afni.  Additionally, as previously stated, Afni mailed the initial notice of the account on January 30, 2017, to [redacted], Charleston, SC 29414.  On October 8th, Afni sent 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 he would like to discuss the account, he 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 January 6, 2015, [redacted] forwarded the subject account, [redacted] account #: 4[redacted], Afni Inc. account #: [redacted], with Afni for collections on the balance of $328.37.   The...

account is for services, which [redacted] considered delinquent on November 24, 2013. Afni mailed the initial notice of the account on January 7, 2015. On February 22, Afni furnished the credit reporting agencies with notice of the account. On February 28, the consumer made a payment of $164.18 via Afni’s website, which closed the account as settled in full. On March 22, Afni furnished the credit reporting agencies with notice of the settled in full status of the account.   On January 20, 2017, Afni received this complaint. This was Afni’s first contact with the consumer. In response, Afni initiated an investigation. 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. To address the consumer’s concern, this complaint was Afni’s first contact with the consumer. Since the account has been settled in full, the consumer should contact [redacted] directly if he would like to discuss the account further.

Initial Business Response /* (1000, 5, 2016/08/05) */
This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer's concerns. On December 22, 2014, [redacted] Mobility forwarded the subject account, [redacted] Mobility account #: XXXXXXXXXXXX, Afni Inc. account #:...

XXXXXXXXX-XX, with Afni for collections on the balance of $145.36.
The account is for cell phone services established on July 30, 2009, until [redacted] Mobility considered the account delinquent on October 21, 2011.The billing address associated with the account is [redacted], California XXXXX, and the phone numbers are XXX-XXX-XXXX, XXX-XXX-XXXX, XXX-XXX-XXXX, XXX-XXX-XXXX, and XXX-XXX-XXXX. Afni mailed the initial notice of the account on January 28, 2015. On March 22, Afni furnished the credit reporting agencies with notice of the account. On May 26, Afni received a letter from the consumer disputing the account. In response, Afni ceased communication and initiated an investigation. On May 31, Afni furnished the credit reporting agencies with notice of the disputed status of the account. On June 25, Afni sent the consumer bill copies as validation of the account. On July 16, Afni received another letter from the consumer disputing the account. On March 3, 2016, the consumer spoke to an Afni representative. On March 22, the consumer spoke to an Afni representative, and made a payment of $145.36, which closed the account as paid in full. On April 10, Afni furnished the credit reporting agencies with notice of the paid in full status of the account. On May 16, Afni received another letter from the consumer disputing the account. On May 20, Afni received two disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately.
On July 27, Afni received this complaint. In response, Afni initiated another investigation. On August 1, Afni received another letter from the consumer disputing the account. In response, Afni continued the investigation. During the investigation Afni reached out to [redacted] Mobility for more information. [redacted] Mobility provided Afni with bill copies from the account, which are attached as validation. To address the consumer's concern, Afni provided the consumer bill copies as validation previously on June 25, 2015. 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. Since the account has been paid in full, the consumer should contact [redacted] Mobility 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 12, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance of...

$537.26.  The account is for satellite services which [redacted] considered the account delinquent on July 1, 2015.  The billing and service address associated with the account is [redacted], Lake Worth, FL 33461.  Afni mailed the initial notice of the account on June 15, 2017.  On August 13, 2017, Afni furnished the credit reporting agencies with notice of the account. On October 16, 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 subject account has not been purchased by Afni.  Afni received the account from [redacted] and acts as an agent on behalf of [redacted].  Additionally, Afni is indeed licensed to collect on a debt in state of Florida; our license number is CCA0900303.  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 up to 60 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 [redacted]

This is in response to your Revdex.com rejection.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On August 21, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance of $2,329.77. The account is for cellular services established on November 26, 2015, until [redacted] considered the account delinquent on June 4, 2016.  The billing address associated with the account is 623 West 3rd Street, Niles, IH 44446, which is the same address the consumer listed on her complaint, and the phone numbers are [redacted] (which is the same telephone number the consumer listed on her complaint), [redacted], and [redacted].  Afni mailed the initial notice of the account on or about August 24, 2017.  On October 8, 2017, Afni furnished the credit reporting agencies with notice of the account.  Afni has responded to the consumer’s duplicate complaint filed through the Revdex.com on February 15th. On February 19, 2018, Afni received this rejection.  In response, Afni ceased communication and initiated another investigation. Afni has attached copies of the account billing statements previously sent to the consumer to this response; these are provided as validation of the account.  Afni has also provided signed lease agreements for the consumer's reference; these are located after the consumer’s billing statements.  To address the consumer’s concern, Afni has never received a power of attorney from this consumer with an attorney listed.  Hence, Afni has not and will not, contact Gitmead Law.  Afni has had no communication with the consumer since receiving the initial complaint on February 15th.  As previously stated, Afni only contacts consumers at the allowable times and frequency as regulated by state and federal law.  Afni searched its account management system for any other accounts that may be linked to the telephone number in question and removed the number.  As an extra precaution, Afni has also added telephone numbers [redacted], and [redacted] (which is every phone number associated with the account) to its internal do not call list, which should prevent further calls being placed to these numbers.  As previously stated, Afni will no longer contact the consumer about this account. Afni trusts this response has addressed the consumer’s concerns, and considers the matter closed.

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 account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the...

balance of $747.46. The account is for satellite service which [redacted] considered the balance delinquent on December 12, 2015.  The billing address associated with the account is [redacted], which is the same address listed on the complaint.  Afni mailed the initial notice of the account to the consumer on September 8, to [redacted] and did not receive any returned mail.  On October 9th, Afni furnished the credit reporting agencies with notice of the account.  Afni mailed additional notices to the consumer at the same address on November 5, January 4, 2017, and May 4, and did not receive any returned mail.  On March 7, [redacted] informed Afni that a credit adjustment was made to the account in the amount of $374.76, bringing the balance owed to $372.70.  All calls placed to telephone number [redacted], which is the same telephone number listed on this complaint, were made appropriately Monday through Saturday between the hours of 8:00am to 9:00pm of the consumer’s local time.  Afni performed due diligence by attempting to contact the consumer appropriately regarding the debt. On June 12, 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 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].  As the consumer has requested, Afni will no longer contact the consumer about this account.  As a courtesy to 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 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 August 4, 2017, [redacted] Communications forwarded the subject account, [redacted] Communications account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections...

on the balance of $153.90. The account is for services established on June 14, 2014, until [redacted] Communications considered the account delinquent on March 22, 2016.  The service address associated with the account is [redacted] Apartment B, Warner Robbins, GA 31093.  Afni mailed the initial notice of the account on or about August 8, 2017.  On December 10, 2017, Afni furnished the credit reporting agencies with notice of the account.  On March 20, 2018, the consumer called in and spoke to an Afni representative to inquire about payment for deletion.  The Afni representative responded that Afni does not trade payment for deletion.  The consumer stated her credit counselor told her not to pay the debt if Afni would not delete from her credit report; however, the call then became disconnected. On March 22, 2018, Afni received this complaint.  In response, Afni ceased communication and initiated an investigation. Afni has validated the subject account with [redacted] Communications.  Per [redacted] Communications, the original statement beginning balance was $279.22.  On February 26, 2016, [redacted] Communications made a credit on the account in the amount of $133.15, making the new balance owed $146.07.  That same day a debit was made on the account in the amount of $7.83, bringing the total balance owed to $153.90.  [redacted] Communications address is [redacted], Atlanta, GA 30328.  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; therefore, the consumer would not have a contract with Afni.  On March 25, 2018, Afni sent 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 up to 60 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 Consumer Relations Specialist at [redacted].