Afni, Inc.

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

$1,087.26.  The account is for services which Comcast considered the balance delinquent on May 16, 2015.  The billing address associated with the account is [redacted], TN 38124, which is also the service address and the address the consumer listed on the complaint.  Afni mailed the initial notice of the account to the consumer on December 24th.  On February 26, 2017, Afni furnished the credit reporting agencies with notice of the account.  On June 5th, Afni received a letter form the consumer disputing the account.  In response, Afni ceased communication and initiated an investigation.  On June 26, 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 Comcast and acts as an agent on behalf of Comcast; 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.  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 December 12, 2016, [redacted] forwarded the subject account, [redacted] account #: 7927702330326, Afni, Inc. account #: [redacted], with Afni for collections on the balance of $141.62....

The account is for services established on March 1, 2014, until [redacted] considered the account delinquent on June 8, 2015.  The billing address associated with the account is [redacted] Road Southeast, Apartment [redacted], Marietta, GA 30067 and the phone number is [redacted]. Afni mailed the initial notice of the account on December 15, 2016. On January 29th, Afni furnished the credit reporting agencies with notice of the account.  On February 7th, Afni received a letter from the consumer disputing the account, requesting Afni cease communication and requesting validation on the account.  In response, Afni ceased communication and initiated an investigation.   As a result of the investigation, Afni re[redacted] out to [redacted]. Afni mailed a validation letter and the account billing statements to [redacted] Apartment [redacted], Dallas, TX 75287-4257 on February 16th, as validation on the account.  On February 20th, Afni received an indirect dispute from the credit reporting agencies reviewed all relevant information and responded appropriately. On March 1, 20147, Afni received this complaint.  In response, Afni continued to cease communication per the consumer’s request and initiated another investigation.  To address the consumer’s concerns, upon receipt of the consumer’s dispute, Afni conducted an investigation and confirmed that the account information was correct according to [redacted].  The information was provided in the form of bill copies from [redacted].  Afni has [redacted] copies of billing statements for the consumer’s reference.  Additionally, Afni has requested all credit reporting information to be removed.  Afni made a business decision to cease collections and return the subject account to [redacted].  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.  On April 26, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the...

balance of $$121.60. The account is for satellite services considered the delinquent on February 3, 2016.  The billing address associated with the account is [redacted].  Afni mailed the initial notice of the account on or about April 27, 2017.  On May 28, 2017, Afni furnished the credit reporting agencies with notice of the account.  On October 18, 2017, Afni received a general letter of dispute from the consumer.  As a result, Afni ceased collections and initiated an investigation of the account.  As a result of the investigation, Afni mailed a validation letter to the consumer on October 19, 2017. On December 9, 2017, Afni received this complaint.  Afni has provided bill copies for the consumer's reference.  To address the consumer’s concern, on November 14, 2017, [redacted] requested Afni to cease collections and return the account.  Afni is no longer the collection agency handling the subject account.  Afni has 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 [redacted] at [redacted].

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

of $755.90. The account is for cellular services established on January 15, 2015, until [redacted] considered the balance delinquent on August 1, 2015.  The billing address associated with the account is [redacted], 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 to the consumer on February 6, 2017.  On March 26th, Afni furnished the credit reporting agencies with notice of the account.  On June 13th, Afni received a dispute from the credit reporting agencies; while Afni has not responded yet, Afni will respond appropriately. On June 14, 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, 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].

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12156516, and find that this resolution is satisfactory to me.  please send me a copy of this so I can keep it for my records. thank you.

Revdex.com:
I have reviewed the response however there are many inaccuracies, especially with dates.  I have never contacted their company twice.  Only once and it was to dispute this charge.  I have a FINAL bill from directTV showing a CREDIT of $386.82 dated 10/17/15, because my account was debited for an amount I did not owe.  When I called into dorectTV I informed them also this account was turned off in JULY 2015.   I paid my account in full and returned all necessary equipment.  If need be, I will file a complaint with directTV too seeing I have no Bill’s, emails, or anything from them including a credit.  This $386.82 was taken out of my account without consent and this is why it was disputed with my bank.  No credit was ever issued to me.  I appreciate you removing it from my credit.  I will get in touch with directTV to dispute this with them and verify you were a 3rd party for them and you did not in fact buy this account from them and them write it off as a bad debt for 2016 as most companies do with 90+ old accounts.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On November 15, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance...

of $643.31.  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 December 14, 2015.  The billing address associated with the account is [redacted] 4th Avenue Apartment [redacted], North Miami, FL 33161.  Afni mailed the initial notice of the account on or about November 18, 2017.  On January 21, 2018, Afni furnished the credit reporting agencies with notice of the account. On January 24, 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]; 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 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]

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On August 30, 2017, [redacted] forwarded the subject account, [redacted] account #:[redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance of...

$1,349.42. The account is for cellular services established on March 4, 2016, until [redacted] considered the account delinquent on November 2, 2016.  The billing address associated with the account is [redacted], Richmond, VA 23222, and the phone numbers are [redacted] and [redacted].  Afni mailed the initial notice of the account on September 4, 2017.  On October 15, 2017, Afni furnished the credit reporting agencies with notice of the account.  On October 19th, Afni received a dispute from the credit reporting agencies; while Afni has not responded yet, Afni will respond appropriately.  On October 22nd, Afni updated the credit reporting agencies on the disputed status of the account. On October 23, 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]; therefore, the consumer would not have a contract with Afni.  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 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, AT&T U-Verse forwarded the subject account, AT&T U-Verse account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on...

the balance of $338.06. The account is for services established on March 1, 2015, until AT&T U-Verse considered the account delinquent on May 20, 2015. The billing address associated with the account is PO [redacted] Raceland, LA 70394.  Afni attempted to mail the initial notice of the account to the consumer on December 5th.  Afni received notice that the address was incorrect and did not receive an updated address.  On January 22, 2017, Afni furnished the subject account to the credit reporting agencies.  On July 19, 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.  After receipt of the complaint on July 19th, Afni received a written notice of the consumer’s dispute on July 25th. As a result, Afni continued to cease collections and continued to investigate the account.  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 U-Verse and acts as an agent on behalf of AT&T U-Verse; therefore, the consumer would not have a contract with Afni.  On July 23rd, 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 she would like to discuss the account, she may contact a Regulatory Specialist at (877) 859-8783.

I am rejecting this response because I do not believe the phone number referenced in the bill was active in 2015 and I would like time to research on my own before responding to AFNI and their claim a payment for a past due bill is required.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On November 20, 2017, [redacted]V forwarded the subject account, [redacted]V account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance of...

$611.87. The account is for satellite services established on July 5, 2016 until [redacted]V considered the account delinquent on January 10, 2017.  The billing and service address associated with the account is [redacted], Chester, SC 29706.  Afni mailed the initial notice of the account on or about November 22, 2017.  On January 7, 2018, Afni furnished the credit reporting agencies with notice of the account. On January 9, 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 subject account has not been purchased by Afni.  Afni received the account from [redacted]V and acts as an agent on behalf of [redacted]V; therefore, the consumer would not have a contract with Afni.  The account was updated as identity theft as Ms. [redacted] denied knowledge of any service with [redacted]V.  A fraud packet is attached for Ms. [redacted]’s completion.  Afni encourages Ms. [redacted] to return the Fraud Affidavit within 21 days to [redacted]V for investigation.  The completed affidavit can be faxed to [redacted]V at [redacted].  Additionally, [redacted]V 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.  Ms. [redacted] may also contact [redacted]V's Fraud Department at ([redacted] if they have any questions regarding the fraud process.  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.  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].

Initial Business Response /* (1000, 5, 2015/12/29) */
This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer's concerns. On October 8, 2015, [redacted] forwarded the subject account, [redacted] account #: XXXXXXXXX, Afni Inc. account...

#[redacted]9-01, with Afni for collections on the balance of $402.11.
The account is for services established on November 1, 2013, until [redacted] considered the account delinquent on December 20, 2013.The billing address associated with the account is [redacted] Fishers, Indiana XXXXX. Afni mailed the initial notice of the account on October 10, 2015. On November 29, Afni furnished the credit reporting agencies with notice of the account. On December 4, the consumer spoke to an Afni representative. Later that same day, Afni received an email from the consumer requesting that she pay a settlement on the account in exchange for deletion of the account from her credit report. Afni replied to the consumer that it is Afni policy to not trade payment of an account for deletion of an account from a consumer's credit report. On December 9, and December 11, Afni received disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately. On December 13, Afni furnished the credit reporting agencies with notice of the disputed status of the account. On December 13, 14, and 15 Afni received emails from the consumer requesting payment of the account in exchange for deletion of the account and an email stating that the consumer's husband had opened the account in her name without her permission. In response, Afni ceased communication and initiated an investigation.
On December 16, Afni received this complaint. In response, Afni continued to cease communication and continued the investigation. On December 21, Afni received a letter claiming that the account is the result of identity theft from the consumer. In response, Afni continued to cease communication and continued the investigation. On December 28, [redacted] informed Afni of a payment on the account in the amount of $402.11, which closed the account as paid in full. 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. To address the consumer's concerns, the consumer did not claim identity theft on the account until December 14 via email. At that point in time Afni ceased communication and initiated an investigation. Afni received this complaint on December 16, two days later. Due to the short time frame, Afni was still in the process of investigating the consumer's account. 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. The consumer should contact [redacted] directly if she would like to discuss the account further.
Initial Consumer Rebuttal /* (2000, 7, 2015/12/30) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Afni is not being transparent about the reason that they are deleting the account but at the end of the day as long as it is promptly removed from my credit reports that is all that matters.

Initial Business Response /* (1000, 5, 2016/06/01) */
This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer's concerns. On January 6, 2016, AT&T U-Verse forwarded the subject account, [redacted] account #: XXXXXXXXX, Afni Inc. account #:...

XXXXXXXXX-XX, with Afni for collections on the balance of $668.34.
The account is for services established on July 1, 2011, until [redacted] considered the account delinquent on July 26, 2014.The billing address associated with the account is XXXXX [redacted] XXXXX. Afni mailed the initial notice of the account on January 8, 2016. On February 28, Afni furnished the credit reporting agencies with notice of the account. On March 4, the consumer spoke to an Afni representative and agreed to a payment arrangement. On May 10, a payment was made on the account in the amount of $50.00, leaving the account with a balance of $618.34. On March 11, the consumer spoke to an Afni representative. On March 13, Afni furnished the credit reporting agencies with notice of the balance of the account. On March 15, March 22, April 6, April 18, April 20, and May 3, the consumer spoke to an Afni representative to adjust the dates of her payment arrangement. On May 16, the consumer spoke to an Afni representative, requested to cancel her payment arrangement, which was done, and disputed the account. In response, Afni ceased communication and initiated an investigation.
On May 18, Afni received this complaint. In response, Afni continued to cease communication and continued the investigation. On May 29, 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. To address the consumer's concern regarding [redacted] not having a balance for her, it could be that the representative that she spoke to did not have access to delinquent accounts, however Afni cannot confirm this. To address the consumer's concern regarding another collection agency handling the account, Afni confirmed during the investigation with [redacted] that Afni is the only collection agency handling this account currently. To address the consumer's concern regarding the representative that she spoke to at Afni. That representative has received coaching to ensure that the behavior does not occur again. Afni apologizes for any inconvenience this has caused the consumer. Afni will continue to cease communication on the account. The consumer may contact a Compliance Specialist at XXX-XXX-XXXX, if she would like to discuss the account further.
Initial Consumer Rebuttal /* (3000, 7, 2016/06/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
A company by the name of Diversifised collections inc ( DCI) is handling an ATT account with a similar balance. I understand the charges I'm responsible for, however, I don't understand how or why 2 companies would have the same account.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On April 10, 2018, [redacted] Communications forwarded the subject account, [redacted] Communications account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections...

on the balance of $27.65. The account is for services established on October 8, 2014, until [redacted] Communications considered the account delinquent on August 31, 2016.  The service address associated with the account is [redacted] Road, Parma, OH 44134. Afni has not, and will not furnish the subject account to the credit reporting agencies.     On April 24, 2048, 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 had no communication with the consumer until receiving this complaint.  Additionally, as previously stated, Afni just received this account from [redacted] Communications on April 10, 2018.  It is possible that the consumer has Afni confused with a different collection agency.  As the consumer has requested, Afni will no longer contact the consumer about this account. 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.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On December 26, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance...

of $263.84. The account is for satellite services which [redacted] considered the account delinquent on July 13, 2015.  The billing address associated with the account is [redacted], Lake Placid, FL 33852.  Afni mailed the initial notice of the account on or about December 28, 2017. Afni has not, and will not furnish the subject account to the credit reporting agencies. On December 29, 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 concern, Afni has only placed one call to this consumer, which occurred on December 29th.  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 number [redacted]  to its internal do not call list, which should prevent further calls being placed to this number. As the consumer has requested, Afni will no longer contact the consumer about this account. 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 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 October 6, 2015, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance of...

$270.12. The account is for services established on July 1, 2003, until [redacted] considered the account delinquent on June 27, 2014.  The service was active and the bills were paid for almost 11 years.  The billing and service address associated with the account is [redacted], Alamo, TX 78516, 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 October 9, 2015.  On November 22, 2015, Afni furnished the credit reporting agencies with notice of the account.  On September 19, 2017, [redacted] requested Afni to cease collections and return the account.  On September 24, 2017, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report.  On February 19, 2018, 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 has had no communication with the consumer until receiving this complaint.  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 is no longer the collection agency handling the subject account.  Further questions regarding the account should be directed to [redacted].

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 as long as they follow thru with the removal of the account from my reports.

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

$439.86. The account is for satellite services which [redacted] considered the account delinquent on October 6, 2011.  The billing and service address associated with the account is [redacted], Lithonia, GA 30038. Afni mailed the initial notice of the account on June 26, 2017.  On August 28, 2017, Afni furnished the credit reporting agencies with notice of the account. On September 12, 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]; therefore, the consumer would not have a contract with Afni.  On September 14th, 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 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 December 11, 2014, AT&T Mobility forwarded the subject account, AT&T Mobility account #: [redacted] Afni, Inc. account #: [redacted], with Afni for...

collections on the balance of $2,127.80. The account is for cellular services established on March 23, 2005, until AT&T Mobility considered the account delinquent on March 11, 2011.  The billing address associated with the account is [redacted], Little Rock, AR 72223, and the phone numbers are [redacted].  Afni mailed the initial notice of the account on January 13, 2015.  On March 22, 2015, Afni furnished the credit reporting agencies with notice of the account.  Between December 14, 2015 and March 4, 2017, Afni received multiple disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately.  On April 6, 2017, Afni received an email from the consumer requesting settlement options.  In response, Afni requested the consumer call Afni to discuss her options. On April 12, 2017, Afni received this complaint.  In response to the consumer's dispute, Afni has reached out to AT&T Mobility to confirm the charges on the account, and to provide validation documents for the account.  Afni has attached copies of the account billing statements to this response; these are provided as validation of the account.   AT&T Mobility informed Afni that the account was cancelled and turned over to collections due to multiple payment  agreements that were not paid , the early termination fee is valid and no credit adjustments are due.  To address the consumer’s concern, please call Afni at 1-877-859-8781 to discuss any possible settlement options with an Afni representative.  Afni looks forward to assisting the consumer with account resolution.  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 (877) 859-8783.

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 $63.00. The account is for services established on February 16, 2012, until [redacted] Communications considered the account delinquent on February 20, 2013.  The service address associated with the account is [redacted], Viej Sahuarita, AZ 85629.  Afni mailed the initial notice of the account on or about August 17, 2017.  On December 10, 2017, Afni furnished the credit reporting agencies with the disputed status of the account. On January 4, 2018, Afni received this complaint.  In response, Afni ceased communication and initiated an investigation. To address the consumer’s concern, the account was updated as identity theft as Ms. [redacted] denied knowledge of any service with [redacted] Communications.  Placing a fraud alert with the credit reporting agencies is a suggestion and not required to investigate a fraud claim.  An FTC fraud affidavit will be sent to the address on file; however, one is included for Ms. [redacted] for completion.  This document and any supporting documents should be completed and returned directly to [redacted] Communications.  A notary signature and a copy of a police report are required.  As of now, your claim of fraud will cease all collections by Afni on this account.  If any information has been reported to the credit reporting agencies, it will be requested to be removed.  Please contact [redacted] Customer Support at [redacted].  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.  Due to the allegations by the consumer that the Afni representative was rude, Afni reviewed the call in question.  The Afni representative did state, “this is not an English class, this is a debt collection agency.”  However, the Afni representative did not display any anger on the call, but used a poor choice of words in an attempt to explain the situation.  Afni apologizes for any inconvenience this may have caused the consumer, and appreciates the opportunity to resolve this matter.  Additionally, Afni has addressed the situation with the representative that the consumer spoke with and apologizes for the negative experience that she had.  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.