Afni, Inc.

I am rejecting this response because:if not removed immediately and handled properly the attorney general has confirmed they will be of assistance to go after any reporting agency reporting false information to the credit bureaus

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  Please note I was unable to open the attached files sent by AFNI.

Initial Business Response /* (1000, 5, 2016/02/03) */
This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer's concerns. On September 2, 2015, AT&T Mobility forwarded the subject account, AT&T Mobility account #: XXXXXXXXXXXX, Afni Inc. account #:...

XXXXXXXXX-XX, with Afni for collections on the balance of $156.95.
The account is for cell phone services established on September 3, 3013, until AT&T Mobility considered the account delinquent on March 30, 2014.The billing address associated with the account is [redacted] XXXXX, and the phone number is XXX-XXX-XXXX. Afni mailed the initial notice of the account on September 4, 2015. On October 25, Afni furnished the credit reporting agencies with notice of the account. On January 11, 2016, the consumer spoke to an Afni representative and made a payment of $156.95, which closed the account as paid in full. On January 19, the consumer spoke to an Afni representative and asked if the account would be deleted from his credit report because he paid it. Afni informed the consumer that it is Afni policy to not trade payment of an account in exchange for deletion of an account from a consumer's credit report, and that Afni would furnish the credit reporting agencies with notice of the paid in full status of the account.
On January 21, Afni received this complaint. In response, Afni initiated an investigation. On January 31, Afni furnished the credit reporting agencies with notice of the paid in full status of the account. To address the consumer's concerns, the consumer was not told that the account would be removed from his credit report in exchange for payment, the consumer was told that the account would not be removed from his credit report in exchange for payment, as that is Afni policy. In an effort to assist the consumer, Afni will submit a 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 has been paid in full, the consumer should contact AT&T Mobility directly if he would like to discuss the account further.
Initial Consumer Rebuttal /* (2000, 7, 2016/02/04) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept this response from AFNI, provided that they actually follow through with their promise to submit a request to all credit reporting agencies to remove the account from the my credit report.
I want to thank AFNI for looking into this matter and I'm glad we were able to resolve this amicably!

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On April 26, 2016, [redacted] forwarded the account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the ba**nce of $99.65. The...

account is for services established on April 1, 2014, until [redacted] considered the ba**nce delinquent on December 22, 2014.  The billing address associated with the account is [redacted], [redacted], [redacted], which is also the service address, and the phone number is [redacted].  Afni attempted to mail the initial notice of the account to the consumer on April 29, 2016.  Afni received notice that the address was incorrect and did not receive an updated address.  On June 12th, Afni furnished the credit reporting agencies with notice of the account.  On May 9th and May 30th, Afni received disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately.  On May 21st Afni received a letter from the consumer disputing the account.  In response, Afni ceased communication and initiated an investigation.  As a result of the investigation, Afni reached out to [redacted]. Afni mailed a validation letter to [redacted], [redacted], [redacted] on June 5th. Additionally, that same day, Afni mailed the account billing statements to the consumer as validation on the account.  On June 21, 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.  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, 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 June 12, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance of...

$586.53. The account is for satellite services which [redacted] considered the account delinquent on March 30, 2015.  The billing and service address associated with the account is [redacted], Kennesaw, GA 30152, which is the same address the consumer listed on the complaint.  Afni mailed the initial notice of the account on June 14, 2017.  On August 13, 2017, Afni furnished the credit reporting agencies with notice of the account. On October 19, 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 had no communication with the consumer, be it verbal, written or otherwise, until receiving this complaint.  Ergo, no Afni representative made any statements to the consumer in regard to garnishing the consumer’s wages or referencing the consumer’s children.  The consumer may have Afni confused with a different debt collection agency.  Afni has not violated the consumer’s FDCPA rights in any way.  The consumer never received a response to his request for validation as Afni never received any correspondence from Mr. [redacted]  Afni investigates and validates, if applicable, every dispute received by consumers.  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 does not have the authority to sell or transfer the debt.  As the consumer has requested, Afni will no longer contact the consumer about this account.  On October 22, 2017, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report and has attached a letter confirming said action took place.  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.

This is in response to your Revdex.com inquiry.  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 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 11, 2017, Afni received this complaint.  In response, Afni continued to cease communication and continued with the investigation.  Afni has attached copies of the account billing statements for both accounts to this response; these are provided as validation of the accounts.  To address the consumer’s concern, Afni has attached the consumer’s [redacted] lease agreement with the consumer’s signature.  Afni mailed the initial notice in regard to the [redacted] account to the consumer on July 21, 2017.  Afni did not receive notice of returned mail, and as a result, can infer that the notice of rights was received.  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. As the consumer has requested, Afni will no longer contact the consumer about these accounts. Afni has 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 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 [redacted] account is not due and owing, simply that Afni will no longer furnish the account to the credit reporting agencies.  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.  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 Consumer Relations Specialist at [redacted].

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On December 2, 2016, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the...

balance of $611.84. The account is for cellular services established on July 8, 2013, until [redacted] considered the account delinquent on July 29, 2013.  The billing address associated with the account is [redacted], Compton, CA 90221, and the phone number is [redacted].  Afni attempted to mail the initial notice of the account to the consumer on or about January 16, 2017.  Afni received notice that the address was incorrect and did not receive an updated address until March 19, 2018. Afni mailed a new initial notice on the account on or about March 20, 2018.  On March 19, 2017, Afni furnished the credit reporting agencies with notice of the account. On April 13, 2018, Afni received this complaint.  This was Afni’s first contact with the consumer.  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, the account was updated as identity theft as Ms. [redacted] denied knowledge of any service with [redacted].  A fraud packet is attached for Ms. [redacted] 's completion.  Afni encourages the consumer to return the Fraud Affidavit within 21 days to [redacted] for investigation.  The completed affidavit can be faxed to [redacted] at (866) 761-0538.  Additionally, [redacted] does not require a police report.  Placing a fraud alert with the credit reporting agencies is a suggestion and not required to investigate a fraud claim.  The consumer may also contact [redacted]'s Fraud Department at (866) 718-2011 if she has any questions regarding the fraud process.  On April 15, 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.  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 (866) 716-1284.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns. On March 11, 2016, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni Inc. account #: [redacted], with Afni for collections on the balance of $268.59.  ...

The account is for services established on January 11, 2014, until [redacted] considered the account delinquent on October 11, 2014.The billing address associated with the account is [redacted], and the phone number is [redacted]. Afni mailed the initial notice of the account on March 13, 2016. On May 1, Afni furnished the credit reporting agencies with notice of the account. On June 17, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately. On June 19, Afni furnished the credit reporting agencies with notice of the disputed status of the account. On July 7, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately. On August 9, the consumer spoke to an Afni representative and attempted to reach a settlement on the account, but a settlement could not be agreed upon. On September 27, the consumer spoke to an Afni representative and agreed to a payment arrangement. On September 28, the consumer spoke to an Afni representative to request how to make the payment via Afni’s website. Later that same day, the consumer made a payment of $161.15 via Afni’s website, which closed the account as settled in full. On October 3, the consumer spoke to an Afni representative and requested the account be removed from his credit report since he had paid the account. The consumer was advised it is Afni policy to not trade payment of an account in exchange for deletion of an account from a consumer’s credit report. On October 23, Afni furnished the credit reporting agencies with notice of the settled in full status of the account. On October 26, the consumer spoke to an Afni representative and requested the account be removed from his credit report since he had paid the account. The consumer was advised it is Afni policy to not trade payment of an account in exchange for deletion of an account from a consumer’s credit report. On October 27, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately. On December 29, the consumer spoke to an Afni representative and requested the account be removed from his credit report since he had paid the account. The consumer was advised it is Afni policy to not trade payment of an account in exchange for deletion of an account from a consumer’s credit report. On January 5, 2017, Afni received an email from the consumer requesting the account be deleted from his credit report since he had paid it. The consumer was advised that it is Afni policy to not trade payment of an account in exchange for deletion of an account from a consumer’s credit report. On January 6, the consumer spoke to an Afni representative and requested the account be removed from his credit report since he had paid the account. The consumer was advised it is Afni policy to not trade payment of an account in exchange for deletion of an account from a consumer’s credit report.   Later that same day, Afni received this complaint. In response, Afni initiated an investigation. On January 9, January 11, and January 12, the consumer spoke to an Afni representative and was advised that Afni was investigating his complaint. On January 12, Afni received an email from the consumer requesting a credit deletion. In an effort to assist the consumer, on January 12, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report. Afni has attached a letter stating this, for the consumer’s reference. Afni has attached bill copies from the account, as validation. Afni trusts this has resolved the consumer’s concerns. Since the account has been settled in full, 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 February 13, 2017, [redacted] forwarded the subject account, [redacted] account #: 312457104, Afni, Inc. account #: 063996718-01, with Afni for collections on the balance of...

$709.61. The account is for cellular services established on October 23, 2006, until [redacted] considered the account delinquent on April 24, 2016.  The billing address associated with the account is 9[redacted], Rock Hill, SC 29730, 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 or about February 16, 2017.  On April 2, 2017, Afni furnished the credit reporting agencies with notice of the account. On March 8, 2018, 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.  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].  The charges are for a leased 3G/4G Samsung N910 tablet with a 25MB Data Plan.  The consumer’s last payment on the account occurred on January 19, 2016, in the amount of $45.00; however, the service was not cancelled until April 24, 2016.  Afni has attached a copy of the consumers signed lease agreement for the Samsung tablet and the lease agreement for his cell phone.  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 he would like to discuss the account, he may contact a Consumer Relations Specialist at (866) 716-1284.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On December 1, 2014, [redacted] Mobility forwarded the subject account, [redacted] Mobility account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the...

balance of $180.88. The account is for cellular services established on December 23, 2009, until [redacted] Mobility considered the account delinquent on January 21, 2012.  The billing address associated with the account is [redacted] Camp Hill, PA 17011, which is the same address the consumer listed on the complaint, and the phone numbers are [redacted] and [redacted].  Afni mailed the initial notice of the account on January 15, 2015.  On March 22, 2015, Afni furnished the credit reporting agencies with notice of the account. On August 30, 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, this complaint was Afni’s first contact or communication from the consumer.  In regards to the consumer's concerns about the age of the account, the statute of limitations applies to the legal remedy taken in a court of law.  Afni does not file suit on collection accounts.  As the consumer has requested, Afni will no longer contact the consumer about this account.  On September 3, 2017, 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.  This response cover two accounts, I will address them individually. 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 $576.60.  The account is for services established on December 15, 2013, until [redacted] Communications considered the account delinquent on February 20, 2014. The service address associated with the account is [redacted], Oklahoma City, OK 73132.  Afni mailed the initial notice of the account on August 8, 2017.  Afni has not, and will not furnish the subject account to the credit reporting agencies. On September 25, 20017, [redacted] Communications forwarded the subject account, [redacted] Communications account #: 017423313001, Afni, Inc. account #: 067213455-01, with Afni for collections on the balance of $1809.56.  The account is for services established on April 17, 2014, until [redacted] Communications considered the account delinquent on July 25, 2014.  The service address associated with the account is 1241 Northeast 37th Street Apartment A, Oklahoma City, OK 73111.  Afni mailed the initial notice of the account on September 26, 2017.  Afni has not, and will not furnish the subject account to the credit reporting agencies. 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. To address the consumer’s concern, Afni has not, and will not furnish the subject accounts to the credit reporting agencies.  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 the consumer has requested, Afni will no longer contact the consumer about these accounts.  Afni made a business decision to cease collections and return the subject account to [redacted] Communications.  Further questions regarding the account should be directed to [redacted] Communications.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution  to remove this past due account to my credit reports is satisfactory to me.On December 14, 2017 around 9:20 in the morning, I received a call from [redacted] in an attempt to collect an unpaid debt from [redacted]  I told the customer representative that im disputing this debt and further explained that I have disputed this directly to [redacted] in the past, sending disputing letter 2x to their dispute center, called [redacted] several times to follow-up, only to be told they will look more into the account and they'll get back to me but they never did.  The representative clearly said, I CAN DISPUTE YOUR ACCOUNT AND I'LL MARK IT DISPUTED, WHICH WILL UPDATE THE STATUS WITH THE CREDIT BUREAUS....she further explained, I CAN DISPUTE IT FOR YOU IN OUR OFFFICE, YOU HAVE TO SEND IN YOUR DISPUTE IN WRITTING, YOU CAN EITHER MAIL IT OR EMAIL IT, WE'LL DO OUR OWN INVESTATION ALSO.  She confirmed my mailing address, EMAIL ADDRESS and phone number to reach me at.  She then ask me if I can write down their info, and started saying RECOVERY TEAM..., I further added, can you just email me this information so I wont forget.  She said, WITHIN 24 HOURS, AN EMAIL WILL BE SENT TO YOU REQUESTING AUTHORIZATION...WE'LL SEND YOU AN EMAIL,YOU HAVE TO AUTHORIZE US TO DO FURTHER COMMUNICATION, ALL OUR INFO SHOULD BE ON THAT EMAIL AS WELL.  I replied, ok I think that should be enough, she concluded, OK, BUT YOU HAVE TO AUTHORIZE US TO SEND YOU FURTHER EMAILS OK, I said OK and she said in closing, ILL MARK THIS ON MY END.  I was also advised at the begining of the conversation that the phone call was recorded, which should confirm this conversation.After that phone conversation, I didnt receive any MAIL communications from AFNI, I wasnt expecting any because I was waiting for a request for authorization from RECOVERY TEAM, which I thought is the name of the collection agency, it was the only name I remember from the phone conversation.  The only email I got was an from EXPERIAN that there's a potentially negative impact on my report, and when I checked it out that its from AFNI, I dont remember the name and disputed it without knowing which account it was.   I called experian on January 23rd and they explained it was a debt from AT&T, which reminded me of my conversation with "recovery team".  As a consumer, I felt betrayed after my phone conversation with Experian that recovery team (AFNI) has reported this debt on my credit report when afni repeatedly said they can dispute this for me from their office which should update the status with credit bureaus.  I spent worki,ng hours talking to these representatives, doing my research when it should have all been avoided after that one phone conversation with AFNI.I expect that AFNI will follow-through their word this time that THEY WILL REMOVE THIS UNPAID COLLECTION FROM MY CREDIT REPORT, I will again reach out to [redacted] and force them to look into this 2016 account I that ive repeatedly disputed.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 1[redacted] and find that this resolution is satisfactory to me based on the following response from AFNI: "However, Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit report."

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On November 16, 2016, [redacted] forwarded the account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance...

of $1,149.70. The account is for cellular services established on November 10, 2009, until [redacted] considered the balance delinquent on September 11, 2012.  The billing address associated with the account is [redacted] and the phone numbers are [redacted] and [redacted].  Afni attempted to mail the initial notice of the account to the consumer on January 17, 2017.  Afni received notice that the address was incorrect and did not receive an updated address.  On March 19th, Afni furnished the credit reporting agencies with notice of the account.  On May 12th and May 15th, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately.  On May 22nd, Afni received a letter from the consumer disputing the account.  In response, Afni ceased communication and initiated an investigation.  On June 9, 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.  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.  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 not liable for this account. This is not my account and needs to be removed. No signed copy of any contracts have been submitted.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.I received a recent mailing to address [redacted]9 Monroe, La 71201

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns. On August 16, 2016, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni Inc. account #: [redacted], with Afni for collections on the...

balance of $452.90.   The account is for services, which [redacted] considered delinquent on December 14, 2015.The billing address associated with the account is [redacted]. Afni mailed the initial notice of the account on August 18, 2016. On September 18, Afni furnished the credit reporting agencies with notice of the account. On December 9, the consumer spoke to an Afni representative and stated she was disputing the account. In response, Afni ceased communication and initiated an investigation. Later that same day, Afni received an email from the consumer disputing the account. In response, Afni continued to cease communication and continued the investigation.   Later that same day, Afni received this complaint. In response, Afni continued to cease communication and continued the investigation. On December 11, Afni furnished the credit reporting agencies with notice of the disputed status of the account. Afni has made the business decision to cease collection activities on the account and return the account to [redacted]. Afni will also send a request to the credit reporting agencies to remove the account from the consumer’s credit report. The consumer should contact [redacted] directly if she would like to discuss the account further. Tell us why here...

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On December 9, 2016, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the...

balance of $371.98. The account is for cellular services established on July 29, 2007, until [redacted] considered the account delinquent on January 28, 2013.  The billing address associated with the account is 565 West 188th Street Apartment A, New York, NY 10040, which is the same address the consumer listed as his address on the complaint, and the phone number is (917) 721-3249.  Afni mailed the initial notice of the account on or about January 19, 2017.  On April 9, 2017, Afni furnished the credit reporting agencies with notice of the account.  On December 11, 2017, Afni received a letter from the consumer’s attorney disputing the account and requesting validation of the debt.  In response, Afni ceased communication and initiated an investigation.  As a result of the investigation, Afni mailed a validation letter to the consumer on January 8, 2018. Additionally, that same day, Afni mailed the account billing statements to the consumer as validation on the account. On April 17, 2018, 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.  To address the consumer’s concern, this account has been validated with [redacted] and the requested validation was mailed to the consumer.  Additionally, the service was active and the bills were being paid for over five years.  As previously stated, the service address is the same physical address the consumer listed as his address on the complaint.  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 he would like to discuss the account, he may contact a Consumer Relations Specialist at (866) 716-1284.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  This complaint covers two accounts. On September 19, 2014, [redacted] forwarded the subject account, [redacted] account #: [redacted] Afni, Inc. account #:...

[redacted], with Afni for collections on the balance of $721.41.  The account is for services established on August 14, 2007, until [redacted] considered the account delinquent on January 21, 2013.  The billing address associated with the account is [redacted] FL 32877 and the phone numbers are [redacted] and [redacted]9.  Afni attempted to mail the initial notice of the account to the consumer on September 20, 2014. Afni received notice that the address was incorrect and did not receive an updated address.   On November 9th, Afni furnished the credit reporting agencies with notice of the account.  Afni had no communication with the consumer while the account was with Afni.  On March 16, 2015, [redacted] requested Afni to cease collections and return the account.  On March 22, 2015, Afni requested all credit reporting be removed. On December 27, 2016, [redacted] forwarded the subject account, [redacted] account #: [redacted] the same account referred to above, Afni, Inc. account #: 063295448-01, with Afni for collections on the balance of $721.41.  The account is for services established on August 14, 2007, until [redacted] considered the account delinquent on January 21, 2013.  The billing address associated with the account is [redacted] FL 32877 and the phone numbers are [redacted] and [redacted]9.  Afni mailed the initial notice of the account on January 26, 2017.  On March 19th, Afni furnished the credit reporting agencies with notice of the account.  On April 25, 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, purely for the consumer’s reference.   To address the consumer’s concerns, Afni mailed the initial notice on January 26, 2017, to [redacted], Orlando, FL 32877, which is the same address the consumer listed on this complaint.  Afni received no returned mail on this account.  The notice of dispute was attached to the initial notice.  Afni reached out to [redacted] and they and Afni do not have any accounts for the consumer in the amount of $54.00.  As a courtesy to the consumer, Afni has requested all credit reporting information to be removed.  The account was updated as identity theft as Mr. [redacted] denied knowledge of any service with [redacted]  A fraud packet is attached for Mr. [redacted] for completion.  Afni encourages the consumer to return the Fraud Affidavit within 21 days to [redacted] for investigation.  The completed affidavit can be faxed to [redacted] at (866) 761-0538.  Additionally, [redacted] does not require a police report. Placing a fraud alert with the credit reporting agencies is a suggestion and not required to investigate a fraud claim.  On May 2, 2017, [redacted] requested Afni to cease collections and return the account.  Afni is no longer the collection agency handling the subject account.  Further questions regarding the account should be directed to [redacted].

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  This complaint covers two accounts, I will explain each individually. On April 9, 2013, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni Inc. account...

#: [redacted], with Afni for collections on the balance of $101.52.  The account for phone services was established on April 1, 2011, until [redacted] considered the account delinquent on July 11, 2011.  The service address associated with the account is [redacted], and the phone number is [redacted].  Afni mailed the initial notice of the account on April 10th.  On May 26th, Afni began furnishing the subject account to the credit reporting agencies.  On October 31, 2016, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately.  On November 6th, Afni updated the credit reporting agencies on the disputed status of the account.  On June22, 2017, Afni received a letter from the consumer disputing the account.  That same day, [redacted] requested Afni to cease collections and return the account.  On June 25th, Afni requested all credit reporting information to be removed.  Afni is no longer the collection agency handling the subject account. On August 7, 2014, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni Inc. account #: [redacted], with Afni for collections on the balance of $216.21.  The account for services was established on April 1, 2011, until [redacted] considered the account delinquent on June 21, 2011.  The service address associated with the account is [redacted].  Afni mailed the initial notice of the account on September 15, 2014.  On November 9th, Afni began furnishing the subject account to the credit reporting agencies.  On October 31, 2016, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately.  On November 6th, Afni updated the credit reporting agencies on the disputed status of the account.  On June22, 2017, Afni received a letter from the consumer disputing the account.  On June 23, 2017, [redacted] requested Afni to cease collections and return the account.  Afni is no longer the collection agency handling the subject account. On June 17, 2017, Afni received this complaint.  In response, Afni ceased communication and initiated an investigation.  As a courtesy to the consumer, Afni sent a request to the credit reporting agencies to remove [redacted] account #: [redacted], Afni Inc. account #: [redacted] and [redacted] account #: [redacted], Afni Inc. account #: [redacted] from the consumer’s credit report.  Afni is no longer the collection agency handling either account.  Further questions regarding the accounts should be directed to [redacted] and [redacted].