Afni, Inc.

Initial Business Response /* (1000, 5, 2016/03/29) */
This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer's concerns. On December 23, 2014, [redacted] Mobility forwarded the subject account, [redacted] Mobility account #: XXXXXXXXXXXX, Afni Inc. account #:...

XXXXXXXXX-XX, with Afni for collections on the balance of $328.05.
The account is for cell phone services established on December 17, 2009, until [redacted] Mobility considered the account delinquent on September 17, 2011.The billing address associated with the account is [redacted] Seattle, Washington XXXXX, and the phone number is XXX-XXX-XXXX. Afni mailed the initial notice of the account on January 28, 2015. On February 25, the consumer made a payment of $164.02 via Afni's website. On February 26, the consumer made another payment of $164.02 via Afni's website. On February 26, the consumer spoke to an Afni representative and made a payment of $82.02. On March 11, one of the payments for $164.02 was returned. On April 3, [redacted] Mobility adjusted the balance by $164.02. On April 16, the other payment of $164.02 was returned. On June 23, the consumer spoke to an Afni representative and disputed the account. In response, Afni ceased communication and initiated an investigation. On January 21, 2016, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately. On January 25, Afni received a letter of dispute from the consumer. In response, Afni continued to cease communication and continued the investigation. On February 19, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately.
On March 15, Afni received this complaint. In response, Afni continued to cease communication and continued the investigation. Afni will close the account as settled in full, and has attached a receipt showing this. At one point in time Afni furnished this account to the credit reporting agencies, however Afni has since sent a request to the credit reporting agencies to remove the account from the consumer's credit report. Afni apologizes that the consumer experienced difficulties using Afni's website and for any inconvenience this has caused the consumer. Afni trusts this has resolved the consumer's concerns. Since the account has been settled in full, the consumer should contact [redacted] Mobility directly if she would like to discuss the account further.
Initial Consumer Rebuttal /* (2000, 7, 2016/03/30) */
(The consumer indicated he/she ACCEPTED the response from the business.)

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On March 6, 2018, [redacted] Mobility forwarded the subject account, [redacted] Mobility account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the...

balance of $687.37. The account is for cellular services established on September 12, 2015, until [redacted] Mobility considered the account delinquent on September 7, 2016.  The billing address associated with the account is [redacted], Charleston, SC 294121, which is the same address the consumer listed as her address on this complaint, and the phone number is [redacted].  Afni mailed the initial notice of the account on or about March 12, 2018.  On April 22, 2018, Afni furnished the credit reporting agencies with notice of the account. On April 27, 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 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] Mobility and acts as an agent on behalf of [redacted] Mobility; therefore, the consumer would not have a contract with Afni.  On April 29, 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 (866) 716-1284.

I am rejecting this response because:I have already contacted the originally creditor [redacted] 4 times to notify them that I was a victim of identity theft and that there were incorrect procedures done by their staff which caused me to be a victim and having an unauthorized account open in my name using my name,address and also ssn.This item needs to be immediatelyimmediately removed off of my credit report due to the fact it was not authorized by me.I will seek further protocol with a legal representative if this is not done asap and will seek a lawsuit.

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.  CAN AFNI PLEASE MAIL A WRITTEN LETTER TO ME ADVISING ME OF THE FACT THAT THIS ACCOUNT WILL BE SENT BACK TO [redacted].  THANK YOU, Revdex.com

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. Per your request I [redacted], will be more than willing to contact a Compliance Specialist in order to assist Afni in determining that I am NOT the account holder of this account.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On January 3, 2017, [redacted] forwarded the account, [redacted] account #: [redacted], Afni, Inc. account #: 063444688-01, with Afni for collections on the balance...

of $1,193.81. The account is for cellular services established on October 17, 2011, until [redacted] considered the balance delinquent on July 7, 2015.  The billing address associated with the account is [redacted], which is the same address the consumer listed on the complaint, and the telephone numbers are [redacted] and [redacted].  Afni mailed the initial notice of the account to the consumer on January 6, 2017.  On February 19th, Afni furnished the credit reporting agencies with notice of the account.  On March 23rd, the consumer spoke to an Afni representative and disputed the account.  In response, Afni ceased communication and initiated an investigation.  The Afni representative requested the consumer send in a written letter of dispute.  On March 26th, Afni updated the credit reporting agencies on the disputed status of the account.  On April 20th and June 14th, Afni received disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately.  On June 21st, Afni received an email from the consumer disputing the account.  In response, Afni ceased communication and initiated another investigation. On June 22nd, Afni responded to the consumer’s email that Afni is investigating the consumer’s dispute. On June 25th, Afni requested all credit reporting information to be removed from the consumer’s account. On June 27, 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 previously stated, on June 25th, 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.  Additionally, Afni did not receive the consumer’s letter of dispute until June 21st.  When a consumer submits a dispute through the credit reporting agencies, Afni responds directly 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 complaint ID 12456757.  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 24th, Afni responded to the consumer’s duplicate complaint filed through the Revdex.com Portal on October 23rd. On October 26, 2017, Afni received this rejection complaint.  In response, Afni ceased communication and initiated a new investigation.  Per the consumer’s rejection complaint, Afni reached out to [redacted] for the lease agreement and retail installment contract that initiated Ms. [redacted]’s [redacted] service.  Afni has attached these documents to the response as proof of service on the debt.  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.  Due to this, Afni will not be removing this tradeline from the consumer’s credit report at this time.  Afni trusts this response has addressed the consumer’s concerns and considers the matter closed.

Initial Business Response /* (1000, 5, 2015/06/30) */
This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer's concerns. On April 16, 2015, [redacted] forwarded the subject account, [redacted] account #: XXXXXXXXX, Afni Inc. account #: XXXXXXXXX-XX...

with Afni for collections on the balance of 354.46.
The account is for television and internet services established on March 1, 2012, until [redacted] U-Verse considered the account delinquent on September 11, 2013.The billing address associated with the account is [redacted] Franklin [redacted] Ohio 44107. Afni mailed the initial notice of the account on April 18, 2015. On June 7, 2015, Afni furnished the credit reporting agencies with notice of the account. On June 12, the consumer twice spoke to an Afni representative and attempted to negotiate a settlement on the account, however, no arrangement was able to be reached, as the call was disconnected before the details of the arrangement could be finalized.
On June 16, Afni received this complaint. In response, Afni ceased communication and initiated an investigation. On June 25, Afni received a complaint from the Illinois Attorney General's Office. In response, Afni continued to cease communication and continued the investigation. To address the consumer's concerns, it is Afni policy to not exchange payment of an account for removal of an account from a consumer's credit report. Afni simply updates the credit reporting agencies to reflect the current status of the account. Additionally the representative that the consumer spoke to will receive coaching in order to eliminate the behavior from occurring again. Afni mailed the initial notice of the account to the consumer on April 18, and began furnishing the subject account to the credit reporting agencies on June 7. Afni continued to try to contact the consumer by mail and phone, but did not have any success until the consumer called an Afni representative on June 12. Afni will continue to cease communication on the account. The consumer may contact a Consumer Relations Specialist at 866-716-1284, if she would like to discuss the account further.
Initial Consumer Rebuttal /* (3000, 7, 2015/07/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
THIS IS A BLATANT LIE!!! THE ONLY TRUTH IS THAT I CALLED TWICE. I DID RECIEVE A LETTER IN JUNE, AND WAS TOLD THAT THE OFFER HAD EXPIRED. I TRIED TO GET THE REDUCED RATE, BECAUSE SOME HOW THE LETTER DIDN'T GET TO ME UNTIL JUNE. THE FIRST TIME I SPOKE TO A REPRESENTATIVE WHO OFFERED A HIGH SETTLEMENT, THE SECOND TIME I TRIED TO CALLED BACK I ASKED IF I WOULD RECEIVE A LETTER IN THE MAIL WITH THE NEW SETTLEMENT AND ASKED IF THEY HAD REPORTED THIS INFORMATION TO MY CREDIT REPORT. AS YET, I HAVE NOT RECEIVED A LETTER FROM THIS COMPANY. THE LAST PERSON I SPOKE TO, I STATED THAT I WOULD MAKE THE PAYMENT ON JULY 16TH, THE REPRESENTATIVE SAID THIS WAS FINE. I HAVE NOT RECEIVED A LETTER STATING THAT THIS ARRANGEMENT WAS ACCEPTED. NO ONE HUNG UP. IF THIS IS THE CASE, SAVE THE TAPE FOR MY ATTORNEY. THE TRIGGER WAS THE SECOND TIME I CALLED AND ASKED IF THIS HAD BEEN REPORTED ON MY CREDIT REPORT. THEY SHOULD HAVE SENT A CERTIFIED LETTER OF THE FIRST ATTEMPT TO MAKE SURE THE OFFER WAS RECEIVED AND TO LET THE CONSUMER KNOW THAT THEY ARE COLLECTING A DEBT ON BEHALF OF SAID COMPANY. MAIL GETS LOST. THERE HAVE BEEN TIME WHEN MY MAIL HAS GONE TO SOMEONE ELSE'S ADDRESS OR VICE VERSA. I WILL BE TAKING THIS UP WITH A HIGHER AUTHORITY. THIS BLEMISH IS A RUIN ON A PERSON'S CREDIT. I AM NOT DISPUTING THE DEBT, BUT THE ACTION AND NOT GIVEN ME TIME TO RECTIFY THIS SITUATION IS WHAT I AM DISPUTING. THE FACT THAT THE AUTHOR IS LYING, MAKES ME NOT WANT TO DO ANY BUSINESS WITH THIS COMPANY. NOTE: DON'T BE JUST A MEDIATOR. INVESTIGATE, GO AFTER THESE COMPANIES SO THESE SCAM TACTICS WILL STOP. IF THEY HAVE PROOF FROM A CERTIFIED LETTER OR PHONE CALL, ASK THEM TO PROVIDE THAT. THIS WAY THESE TACTICS WON'T CONTINUE AND THESE ISSUES CAN BE EASILY RESOLVED.

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.  At the time that this account was open I was only 13 years of age   It’s likely that it was an account that my dad opened   Which therefore makes me not responsible for that account   I’ve seen that the account has been removed from my credit report   And I just want to make sure and validate that it was removed permanently.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns. On September 6, 2016, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni Inc. account #: [redacted], with Afni for collections on the balance of $1,316.71....

  The account is for services established on May 6, 2015, until [redacted] considered the account delinquent on August 13, 2015.The billing address associated with the account is [redacted] Hartford, Connecticut 06114, and the phone numbers are [redacted] and [redacted]. Afni mailed the initial notice of the account on September 9, 2016. On October 23, Afni furnished the credit reporting agencies with notice of the account.   On January 13, 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 bill copies from the account, as validation. To address the consumer’s concern, Afni mailed the initial notice of the account September 9, 2016, to the consumer’s address listed on her complaint. In an effort to assist the consumer Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit report. However, this does not mean the account is not still due and owing. It simply means that Afni has made the decision to no longer furnish the account to the credit reporting agencies. Afni will continue to cease communication on the account. The consumer may contact a Compliance Specialist at [redacted], if she would like to discuss the account further.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On January 13, 2017, Dish Network forwarded the account, Dish Network account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the...

balance of $280.35.  Afni does not have any DirecTV accounts for the consumer. The account is for satellite service which Dish Network considered the balance delinquent on May 16, 2016.  The billing address associated with the account is [redacted] Bay St. Louis, MS 39520.  Afni mailed the initial notice of the account to the consumer on January 14, 2017.  On February 19th, Afni furnished the credit reporting agencies with notice of the account.  On June 6, 2017, Afni received this complaint.  This was Afni’s first contact with the consumer.  In response, Afni ceased communication and initiated an investigation.  Afni has attached copies of the account billing statements to this response; these are provided as validation of the account.  To address the consumer’s concerns, the account has not been purchased by Afni.  Afni received the account from Dish Network and acts as an agent on behalf of Dish Network; 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 he would like to discuss the account, he 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 January 30, 2017, Comcast forwarded the subject account, Comcast account #: [redacted], Afni, Inc. account #: 063827948-01, with Afni for collections on the balance...

of $349.20. 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 established on which Comcast considered the account delinquent on January 3, 2015.  The billing address associated with the account is 647 West 60th Street, Chicago, IL 60621, which is also the service address and the address the consumer listed on the complaint.  Afni mailed the initial notice of the account on February 2nd, to the same address listed above and did not receive any returned mail.  On April 2, 2017, Afni furnished the credit reporting agencies with notice of the account. On July 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 provided bill copies for the consumer's reference.  To address the consumer’s concern, Afni mailed the consumer notification of the debt at her address, as detailed above, and received no response until this complaint was received.  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.  Afni made a business decision to cease collections and return the subject account to Comcast.  Further questions regarding the account should be directed to Comcast.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On October 11, 2016, Sprint forwarded the account, Sprint account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance of $339.05. The...

account is for cellular services established on March 5, 2012, until Sprint considered the balance delinquent on September 4, 2015.  The billing address associated with the account is [redacted], PA 19027 and the phone number is 215-421-9811.  Afni mailed the initial notice of the account to the consumer on October 14, 2016.  On November 27th, Afni furnished the credit reporting agencies with notice of the account.  Between April 21st through June 15th, Afni received multiple disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately.  On April 23rd, Afni updated the credit reporting agencies on the disputed status of the account.  On June 26, 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 Sprint and acts as an agent on behalf of Sprint; 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 [redacted]

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns. On July 18, 2016, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni Inc. account #: [redacted], with Afni for collections on the balance of $281.35.  ...

The account is for services established on August 9, 2013, until [redacted] considered the account delinquent on March 12, 2015.The billing address associated with the account is [redacted]. Afni mailed the initial notice of the account on July 20, 2016. On August 21, Afni furnished the credit reporting agencies with notice of the account. On October 3, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately. On October 9, Afni furnished the credit reporting agencies with notice of the disputed status of the account. On November 17, Afni received a letter from the consumer disputing the account. In response, Afni ceased communication and initiated an investigation. On December 5, Afni sent the consumer bill copies as validation of the account. On December 5, and December 8, Afni received disputes from the credit reporting agencies, while Afni has not responded yet, Afni will respond appropriately.   On December 10, Afni received this complaint and a complaint from the [redacted]. In response, Afni ceased communication and initiated another investigation. 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. To address the consumer’s concern, Afni validated the account accurately and appropriately. The consumer should contact [redacted] directly if she would like to discuss the account furtherTell us why here...

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12303850, and find that this resolution is satisfactory to me.

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

balance of $629.78. The account is for cellular services established on December 27, 1994, until [redacted] Mobility considered the account delinquent on July 3, 2012.  The billing address associated with the account is [redacted], Trenton, NJ 08619, which is the same address the consumer listed on the complaint, and the phone numbers are [redacted], [redacted], [redacted], [redacted], and [redacted].  Afni mailed the initial notice of the account on or about January 16, 2017, to [redacted], Trenton, NJ 08619, which is the same address the consumer listed on her complaint.  Afni did not receive any notice of returned mail, and as a result, can infer that the notice of rights was received. On March 19, 2017, Afni furnished the credit reporting agencies with notice of the account. On February 19, 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, as stated, Afni mailed the initial notice of the account on or about January 16, 2017, to the address the consumer listed on her 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 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 12, 2014, [redacted] Mobility forwarded the subject account, [redacted] Mobility account #: 43[redacted], Afni, Inc. account #: [redacted]-01, with Afni for collections on the...

balance of $2,201.96. The account is for cellular services established on June 3, 2008, until [redacted] Mobility considered the account delinquent on February 26, 2012.  The billing address associated with the account is  [redacted] , CA 95482, and the phone numbers are  and .  Afni mailed the initial notice of the account on or about February 7, 2015.  On March 29, 2015, Afni furnished the credit reporting agencies with notice of the account. On January 23, 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, Afni mailed the consumer the initial notice six weeks prior to furnishing the credit reporting agencies with notice of the account.  Afni has attached the consumer’s signed service agreement, or contract, for the consumer’s reference.  When a consumer submits a dispute through the credit reporting agencies, Afni responds directly to the credit reporting agencies.  Additionally, the subject account has not been purchased by Afni.  Afni received the account from [redacted] Mobility and acts as an agent on behalf of [redacted] Mobility.  Afni does not possess the authority to sell or transfer the debt as Afni does not own the debt.  Afni only contacts consumers at the allowable times and frequency as regulated by state and federal law.  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) 71[redacted].

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns. On August 24, 2016, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni Inc. account #: [redacted], with Afni for collections on the balance of $1,027.15....

  The account is for services established on June 24, 2015, until [redacted] considered the account delinquent on August 17, 2015.The billing address associated with the account is 1015 West 59th Street Apt 2A Chicago, Illinois 60621, and the phone numbers are [redacted] and [redacted]. Afni mailed the initial notice of the account on August 27, 2016. On October 9, Afni furnished the credit reporting agencies with notice of the account. On November 10, Afni received a letter from the consumer disputing the account. In response, Afni ceased communication and initiated an investigation. On November 14, Afni sent the consumer verification of the account. On December 28, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately.   On January 19, 2017, Afni received this complaint. In response, Afni ceased communication and initiated another investigation. Afni has attached bill copies and the contract from service, as validation. To address the consumer’s concern, Afni received the consumer’s letter disputing the account on November 10, 2016, and responded four days later on November 14, with bill copies as validation. In an effort to assist the consumer, Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit report. However, this does not mean that the account is not still due and owing. It simply means that Afni has made the decision to no longer furnish the account to the credit reporting agencies. Afni will continue to cease communication on the account. The consumer may contact a Compliance Specialist at [redacted], if she would like to discuss the account further.

Initial Business Response /* (1000, 5, 2016/06/29) */
This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer's concerns. On July 30, 2015, [redacted] forwarded the subject account, [redacted] account #: XXXXXXXXX, Afni Inc. account #: XXXXXXXXX-XX, with Afni...

for collections on the balance of $434.40.
The account is for cell phone services established on March 30, 2014, until [redacted] considered the account delinquent on June 1, 2014.The billing address associated with the account is [redacted] Drive Southington, Connecticut XXXXX, and the phone number is XXX-XXX-XXXX. Afni mailed the initial notice of the account on August 1, 2015. On September 13, Afni furnished the credit reporting agencies with notice of the account. On May 24, 2016, Afni received a letter from the consumer disputing the account. In response, Afni ceased communication and initiated an investigation. On May 29, Afni furnished the credit reporting agencies with the disputed status of the account. On May 31, Afni sent the consumer bill copies as validation of the account. On June 10, the consumer spoke to an Afni representative and stated that she was disputing the account. In response, Afni ceased communication and initiated another investigation. On June 13, Afni sent the consumer verification of the account.
On June 16, Afni received this complaint. In response, Afni ceased communication and initiated another investigation. Afni has attached bill copies from the account, as validation of the account. To address the consumer's concern, Afni responded to the consumer's letter of dispute on May 31, with bill copies as validation and responded to the consumer's verbal dispute with verification of the account on June 13. 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, 2016/07/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I don't see the payment that I made on 4/1/14 for $262.69 being applied anywhere. See attached.
Final Business Response /* (4000, 9, 2016/07/14) */
This is in response to your further Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer's concerns. On July 30, 2015, [redacted] forwarded the subject account, [redacted] account #: XXXXXXXXX, Afni Inc. account #: XXXXXXXXX-XX, with Afni for collections on the balance of $434.40.
The account is for cell phone services established on March 30, 2014, until [redacted] considered the account delinquent on June 1, 2014.The billing address associated with the account is [redacted] Drive [redacted] XXXXX, and the phone number is XXX-XXX-XXXX. Afni mailed the initial notice of the account on August 1, 2015. On September 13, Afni furnished the credit reporting agencies with notice of the account. On May 24, 2016, Afni received a letter from the consumer disputing the account. In response, Afni ceased communication and initiated an investigation. On May 29, Afni furnished the credit reporting agencies with the disputed status of the account. On May 31, Afni sent the consumer bill copies as validation of the account. On June 10, the consumer spoke to an Afni representative and stated that she was disputing the account. In response, Afni ceased communication and initiated another investigation. On June 13, Afni sent the consumer verification of the account. On June 16, Afni received the initial complaint from the Revdex.com, which Afni responded to on June 29.
On July 4, Afni received this further correspondence. In response, Afni initiated another investigation. On July 12, Afni received a letter from the consumer disputing the account. In response, Afni continued to cease communication and continued the investigation. Afni has attached bill copies from the account, for the consumer's reference. To address the consumer's concern, Afni responded to the consumer's letter of dispute on May 31, with bill copies as validation and responded to the consumer's verbal dispute with verification of the account on June 13. 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.
Final Consumer Response /* (2000, 11, 2016/07/19) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept this as long as they remove from all three credit bureaus.

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

$492.66. The account is for satellite service established on July 18, 2013, until [redacted] considered the balance delinquent on July 19, 2016.  The billing address associated with the account is [redacted], which is also the service address.  Afni mailed the initial notice of the account to the consumer on November 16, 2016.  On November 19, the consumer spoke to an Afni representative. The Afni representative was able to confirm that he was speaking with the consumer; however, the call disconnected just after verifying the account.  On December 18, Afni furnished the credit reporting agencies with notice of the account.  On May 12, 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 mailed a validation letter to the consumer on May 16. Additionally, that same day, Afni mailed the account billing statements to the consumer as validation on the account.  On May 18, 2017, [redacted] requested Afni to cease collections and return the account.  On May 21, Afni requested all credit reporting information to be removed. On June 20, 2017, Afni received this complaint.  In response, Afni ceased communication and initiated another investigation.  Afni has attached copies of the account billing statements 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] and acts as an agent on behalf of [redacted], therefore the consumer would not have a contract with Afni.  Afni is no longer the collection agency handling the subject account.  Further questions regarding the account should be directed to [redacted].