Afni, Inc.

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On May 15, 2017, Sprint forwarded the subject account, Sprint account #: ***, Afni, Incaccount #: *** with Afni for collections on the balance of $
The account is for cellular services established on April 25, 2014, until Sprint considered the account delinquent on April 20, 2016. The billing address associated with the account is 6*** *** *** *** Milwaukee, WI 53224, which is the same address the consumer listed on her complaint, and the phone numbers are *** *** and (*** ***. Afni mailed the initial notice of the account on May 18, 2017. On July 2, 2017, Afni furnished the credit reporting agencies with notice of the accountOn October 5, 2017, Afni received this complaint. This was Afni’s first contact with the consumer. In response, Afni ceased communication and initiated an investigation. Afni has attached copies of the account billing statements to this response; these are provided as validation of the account. To address the consumer’s concern, the subject account has not been purchased by Afni. Afni received the account from Sprint and acts as an agent on behalf of Sprint; therefore, the consumer would not have a contract with Afni. Additionally, Afni does not require a license to collect on a debt in the state of Wisconsin as Afni only collects by interstate means, does not have any clients incorporated in Wisconsin and Afni does not enter Wisconsin to solicit business. 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. As the consumer has requested, Afni will no longer contact the consumer about this accountAfni 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 (*** ***

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On August 21, 2017, *** forwarded the subject account, *** account #: ***, Afni, Incaccount #: ***, with Afni for collections on the balance of
$2,The account is for cellular services established on November 26, 2015, until *** considered the account delinquent on June 4, 2016. The billing address associated with the account is West 3rd Street, Niles, IH 44446, which is the same address the consumer listed on her complaint, and the phone numbers are *** (which is the same telephone number the consumer listed on her complaint), ***, ***, and ***. Afni mailed the initial notice of the account on or about August 24, 2017. On October 8, 2017, Afni furnished the credit reporting agencies with notice of the accountOn February 15, 2018, Afni received this complaint. This was Afni’s first contact with the consumer. In response, Afni ceased communication and initiated an investigationAfni has attached copies of the account billing statements to this response; these are provided as validation of the account. Afni has also provided signed lease agreements for the consumer's reference; these are located after the consumer’s billing statements. To address the consumer’s concern, Afni has had no communication with the consumer until receiving this complaint. Additionally, Afni only contacts consumers at the allowable times and frequency as regulated by state and federal law. Afni searched its account management system for any other accounts that may be linked to the telephone number in question and removed the number. As an extra precaution, Afni has also added telephone numbers ***, ***, and *** to its internal do not call list, which should prevent further calls being placed to these numbers. As the consumer has requested, Afni will no longer contact the consumer about this account. Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if she would like to discuss the account, she may contact a Consumer Relations Specialist at (866) 716-

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 each one individuallyOn November 6, 2013, AT&T forwarded the subject account, AT&T account #: ***, Afni,
Incaccount #: ***, with Afni for collections on the balance of $180.91. The account is for services established on January 1, 2010, until AT&T considered the account delinquent on March 31, 2010. The service address associated with the account is *** *** * *** ***, Texas City, TX 77591. Afni mailed the initial notice of the account on January 20, Afni has not, and will not furnish the subject account to the credit reporting agenciesOn June 14, 207, Dish forwarded the account, Dish account #: ***, Afni, Incaccount #: ***, with Afni for collections on the balance of $1,393.15. The account is for satellite services which Dish considered the account delinquent on March 23, 2016. The billing address associated with the account is *** *** *** ** ***, TX 77568, which is the same address the consumer listed on the complaint. Afni mailed the initial notice of the account on June 16, 2017. On July 16th, Afni furnished the credit reporting agencies with notice of the accountOn August 9, 2017, Afni received this complaint. This was Afni’s first contact with the consumer. In response, Afni ceased communication and initiated an investigation. Afni has attached copies of the account billing statements to this response; these are provided as validation of the account for Dish account #: ***, Afni, Incaccount #: ***To address the consumer’s concern, Afni has not, and will not furnish AT&T account #: ***, Afni, Incaccount #: *** to the credit reporting agencies. Afni will send a request to the credit reporting agencies to remove Dish account #: ***, Afni, Incaccount #: *** from the consumer’s credit report. Please be aware that it can take the credit reporting agencies anywhere from to 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 (877) 859-

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On March 31, 2017, *** forwarded the subject account, *** account #: ***, Afni, Incaccount #: ***, with Afni for collections on the
balance of $The account is for services which *** considered the account delinquent on November 18, 2015. The billing address associated with the account is *** *** *** ***, Park City, UT 84060, and the phone number is *** Afni mailed the initial notice of the account on April 3, Afni has not, and will not furnish the subject account to the credit reporting agenciesOn August 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 provided bill copies for the consumer's reference. To address the consumer’s concern, as the consumer has requested, Afni will no longer contact the consumer about this account. As stated, Afni has not, and will not furnish the subject account to the credit reporting agencies. On August 14, 2017, *** 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 ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12468374, 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 concernsOn November 25, 2014, *** *** forwarded the subject account, *** *** account #: ***, Afni Incaccount #: ***, with Afni for collections on the
balance of $ The account is for services established on July 15, 2008, until *** *** considered the account delinquent on November 28, 2011.The billing address associated with the account is *** *** *** *** *** *** *** ***, and the phone number is ***Afni mailed the initial notice of the account on February 20, On April 12, Afni furnished the credit reporting agencies with notice of the accountBetween July 27, 2016, and December 5, 2016, Afni received three disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriatelyOn July 31, Afni furnished the credit reporting agencies with notice of the disputed status of the account On December 6, Afni received this complaintThis was Afni’s first contact with the consumerIn response, Afni ceased communication and initiated an investigationDuring the investigation Afni reached out to *** *** for more information*** *** provided Afni with bill copies from the account, which are attached as validationIn 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 reportHowever, this does not mean that the account is not still due and owingIt simply means that Afni has made the decision to no longer furnish the account to the credit reporting agenciesAfni will continue to cease communication on the accountThe consumer may contact a Compliance Specialist at ***, if he would like to discuss the account furtherTell us why here

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On March 22, 201*, *** Mobility forwarded the subject account, *** Mobility account #: ***, Afni, Incaccount #: ***, with Afni for collections on the
balance of $1,The account is for cellular services established on October 2, 2010, until *** Mobility considered the account delinquent on September 22, 2015. The billing address associated with the account is *** *** ***, Lakewood, OH 4410*, which is the same address the consumer listed on the complaint, and the phone numbers are ***, ***, *** and ***. Afni mailed the initial notice of the account to the consumer’s listed address at *** *** ***, Lakewood, OH 4410*, on March 2*, 201*. Afni did not receive any notice of returned mail, and as a result, can infer that the notice of rights was received. On May 14, 201*, Afni furnished the credit reporting agencies with notice of the account. On October 11, 201*, the consumer called an Afni representative to dispute the account. In response, Afni ceased communication and initiated an investigation. On October 12th, Afni received an email letter from the consumer again disputing the account. In response, Afni continued to cease communication, as the consumer indicated she was seeking legal representation, and continued the investigation. On October 15th, Afni updated the credit reporting agencies on the disputed status of the account. As a result of the investigation, Afni reached out to *** Mobility. Afni mailed a validation letter to the consumer on October 24thAdditionally, that same day, Afni mailed the account billing statements to the consumer as validation on the account. Afni has responded to the consumer’s duplicate complaint filed through the *** portal on November 1, On November 1, 2017, Afni received this complaint. In response, Afni ceased communication and initiated another investigation. Afni has attached copies of the account billing statements to this response; these are provided as validation of the account. To address the consumer’s concern, Afni has no knowledge of the details of the discussions between the consumer and any previous collections agencies. The consumer would need to contact whichever collection agency held the account before it was placed with Afni. However, if a check was returned to the consumer, it would not have been applied to her account balance, as it appears the check was never cashed. Afni sends all correspondence in plain, white envelopes to protect consumer’s privacy. Additionally, as previously stated, Afni mailed the initial notice to Ms*** on March 2*th, which detailed her right to dispute the debt. 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 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 *** ***

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On June 28, 2017, *** forwarded the subject account, *** account #: ***, Afni, Incaccount #: ***, with Afni for collections on the balance of
$The account is for satellite services established on June 29, 2014, until *** considered the account delinquent on October 25, 2016. The billing address associated with the account is 57th Street, Philadelphia, PA 19139. Afni mailed the initial notice of the account on or about June 30, 2017. On July 30, 2017, Afni furnished the credit reporting agencies with notice of the account. Afni has responded to the consumer’s duplicate complaint filed through the CFPB on February 13, On February 13, 2018, Afni received this complaint. In response, Afni ceased communication and initiated an investigationAfni 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 until receiving the complaints. When a consumer submits a dispute through the credit reporting agencies, Afni responds directly to the credit reporting agencies. Additionally, a signed contract is not always required to initiate *** services, as orders for services can be taken over the phone or via the internet, which are considered verbal and electronic signatures, respectively. 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 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) ***

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 individuallyOn December 8, 2016, AT&T Mobility forwarded the subject account, AT&T Mobility account #:
***, Afni, Incaccount #: ***, with Afni for collections on the balance of $1,613.98. The account is for cellular services established on June 7, 2013, until AT&T Mobility considered the account delinquent on October 9, 2013. The billing address associated with the account is 3*** *** *** *** *** **, Solon, OH 44139, and the phone numbers are *** *** *** and ***. Afni mailed the initial notice of the account on February 9, 2017, to *** *** *** Chantilly, VA 20152, which is the same address the consumer listed on the complaint, and did not receive notice of any returned mail. On March 26, 2017, Afni furnished the credit reporting agencies with notice of the account. On August 23rd, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately. On August 28th, Afni updated the credit reporting agencies on the disputed status of the accountOn November 30, 2016, AT&T Mobility forwarded the subject account, AT&T Mobility account #: *** Afni, Incaccount #: ***, with Afni for collections on the balance of $136.92. The account is for cellular services established on June 6, 2013, until AT&T Mobility considered the account delinquent on August 7, 2013. The billing address associated with the account is 3*** *** *** *** *** **, Solon, OH 44139, and the phone numbers are 2*** and ***. Afni mailed the initial notice of the account on February 8, 2017, to *** *** *** *** *** ***, Twinsburg, OH 44087, and did not receive notice on any returned mail. On March 26, 2017, Afni furnished the credit reporting agencies with notice of the accountOn August 23rd, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately. On August 28th, Afni updated the credit reporting agencies on the disputed status of the accountOn September 20, 2017, Afni received this complaint. This was Afni’s first contact with the consumer. In response, Afni ceased communication and initiated an investigation. Afni has attached copies of the account billing statements to this response; these are provided as validation of the account. To address the consumer’s concern, the subject account has not been purchased by Afni. Afni received the account from AT&T Mobility and acts as an agent on behalf of AT&T Mobility. Additionally, when a consumer submits a dispute through the credit reporting agencies, Afni responds directly to the credit reporting agencies. Afni will send a request to the credit reporting agencies to remove the accounts from the consumer’s credit report. Please be aware that it can take the credit reporting agencies anywhere from to 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 *** ***

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 individuallyOn August 4, 2017, *** Communications forwarded the subject account, *** Communications account #: ***, Afni, Incaccount #: ***, with Afni for collections on the balance of $576.60. The account is for services established on December 15, 2013, until *** Communications considered the account delinquent on February 20, The service address associated with the account is *** *** *** ***, 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 agenciesOn September 25, 20017, *** Communications forwarded the subject account, *** Communications account #: 017423313001, Afni, Incaccount #: 067213455-01, with Afni for collections on the balance of $1809.56. The account is for services established on April 17, 2014, until *** Communications considered the account delinquent on July 25, 2014. The service address associated with the account is 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 agenciesOn October 17, 2017, Afni received this complaint. In response, Afni ceased communication and initiated an investigationTo address the consumer’s concern, Afni has not, and will not furnish the subject accounts to the credit reporting agencies. As stated in Afni’s previous response: In regard to the consumer’s concerns regarding 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 accounts 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 accounts to *** Communications. As Afni is no longer the collection agency handling the subject accounts, further questions regarding the accounts need to be directed to *** Communications. 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. On July 11, 2017, *** forwarded the subject account, *** account #: ***, Afni, Incaccount #: ***, with Afni for collections on the balance of $
The account is for satellite services established on August 4, 2013, until *** considered the account delinquent on March 11, 2016. The billing and service address associated with the account is *** *** *** McAllen, TX 78504. Afni mailed the initial notice of the account on July 13, 2017. On August 28, 2017, Afni furnished the credit reporting agencies with notice of the account. On September 11th, Afni received a dispute from the credit reporting agencies; while Afni has not responded yet, Afni will respond appropriatelyOn September 12, 2017, Afni received this complaint. This was Afni’s first contact with the consumerIn response to the consumer’s complaint that Afni failed to validate the account upon receipt of correspondence, Afni did not receive any communication from the consumer until the Revdex.com complaint was received on September 12th. In response, Afni ceased collections 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 never spoken to the consumer. As stated, on July 13th, Afni sent the initial notice detailing the consumer’s right to dispute to *** *** *** McAllen, TX 78504, which is the same address the consumer listed on the complaint, and did not receive any returned mail. As the consumer has requested, Afni will no longer contact the consumer about this account. 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 to 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 (*** ***

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On March 8, 2017, *** *** forwarded the subject account, *** *** account #: ***, Afni, Incaccount #: ***, with Afni for collections on the balance
of $The account is for services established on February 1, 2015, until *** *** considered the account delinquent on September 1, 2015. The billing and service address associated with the account is 2** *** ***, Fountain Inn, SC 29644. Afni mailed the initial notice of the account on March 11, 2017. On April 30, 2017, Afni furnished the credit reporting agencies with notice of the account. Afni has responded to the consumer’s duplicate complaint filed through the CFPB on November 9thLater that same day, on November 9, 2017, Afni received this complaint. In response, Afni ceased communication and initiated another investigation. Afni has attached copies of the account billing statements previously supplied to the consumer 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 *** *** and acts as an agent on behalf of *** ***. Additionally, Afni has forwarded the documentation provided in the complaint to *** ***. Afni does not furnish, nor is Afni required to furnish, our agreement with *** *** granting us the authority to collect on a debt. A license is not required to collect on a debt in the state of California. Afni will no longer contact the consumer about this accountAfni 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 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

Revdex.com:
I had a zero balance with *** *** and sent proof showing such Though some of the statements in this response are inaccurate, I will accept this response as my main goal is to remove this from my credit report I have reviewed the response made by the business in reference to complaint ID ***, 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 concernsOn December 23, 2014, *** *** forwarded the subject account, *** *** account #: ***, Afni Incaccount #: ***, with Afni for collections on the
balance of $ The account is for services established on December 20, 2010, until *** *** considered the account delinquent on November 22, 2011.The phone numbers associated with the account are *** and ***Afni mailed the initial notice of the account on January 14, On March 22, Afni furnished the credit reporting agencies with notice of the accountOn March 23, the consumer spoke to an Afni representative and made a payment of $221.74, which closed the account as settled in fullOn April 11, the consumer spoke to an Afni representative to see when her credit reporting would be updatedOn April 19, Afni furnished the credit reporting agencies with notice of the settled in full status of the accountOn September 30, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriatelyOn December 2, 2016, the consumer spoke to an Afni representative and was advised that the account was furnished appropriately to the credit reporting agencies Later that same day, Afni received this complaintIn response, Afni initiated an investigationTo address the consumer’s concern, Afni has furnished this account to the credit reporting agencies accurately and appropriatelyIn 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 reportAfni trusts this has resolved the consumer’s concernSince the account has been settled in full, the consumer should contact *** *** 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 ***, and find that this resolution is satisfactory to me. Thank you for your timely response and action taken

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concernsOn December 8, 2014, *** Mobility forwarded the subject account, *** Mobility account #: ***, Afni Incaccount #: ***1, with Afni for collections on the balance
of $ The account is for services established on October 6, 2011, until *** Mobility considered the account delinquent on May 30, 2013.The billing address associated with the account is *** *** *** Charlotte, North Carolina 28213, and the phone numbers are *** and ***Afni mailed the initial notice of the account on December 10, On January 25, 2015, Afni furnished the credit reporting agencies with notice of the accountOn March 31, the consumer spoke to an Afni representative and made a payment of $215.99, which closed the account as settled in fullOn April 26, Afni furnished the credit reporting agencies with notice of the settled in full status of the accountOn May 13, 2016, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately On November 25, Afni received this complaintIn response, Afni initiated an investigationAfni has attached bill copies from the account, as validationIn 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 reportAfni has attached a letter stating this, for the consumer’s referenceAfni trusts this has resolved the consumer’s concernsSince the account has been settled in full, the consumer should contact *** Mobility directly if he would like to discuss the account further

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On January 11, 2017, *** forwarded the subject account, *** account #: ***, Afni, Incaccount #: ***, with Afni for collections on the balance of
$The account is for cellular services established on October 8, 2014, until *** considered the account delinquent on December 12, 2015. The billing address associated with the account is *** *** *** *** ** *** *** ** ***, and the phone numbers are *** and ***. Afni attempted to mail the initial notice of the account to the consumer on January 14, 2017. Afni received notice that the address was incorrect and did not receive an updated address. On February 26, 2017, Afni furnished the credit reporting agencies with notice of the accountOn October 5, 2017, Afni received this complaint. This was Afni’s first contact with the consumer. In response, Afni ceased communication and initiated an investigationAfni 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 *** and acts as an agent on behalf of ***; therefore, the consumer would not have a contract with Afni. As the consumer did not receive the initial notice due to returned mail, on October 5, 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 to 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 *** ***

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On December 14, 2016, *** *** forwarded the subject account, *** *** account #: ***, Afni, Incaccount #: ***, with Afni for collections on the
balance of $1,The account is for cellular services established on February 17, 2012, until *** *** considered the account delinquent on January 17, 2013. The billing address associated with the account is *** *** *** *** *** ** ***, and the phone numbers are ***, *** and ***. Afni mailed the initial notice of the account on or about January 17, 2017, to *** *** *** *** *** ** ***, which is the same address the consumer listed on the complaint, and did not receive notice of any returned mail. On March 19, 2017, Afni furnished the credit reporting agencies with notice of the account. On January 12, 2018, the consumer spoke to an Afni representative and set up a payment arrangement to settle the account in full for $899.33. During that same call, after the Afni representative gave the consumer all of the account information, the consumer recollected that the account did indeed belong to him and stated he was no longer disputing the account. On January 14, 2018, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report On January 16, 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 mailed the initial notice sent to the consumer’s address two months before the subject account was reported the credit reporting agencies. Additionally, Afni reached out to *** *** for a contract. However, *** *** informed Afni that they do not have a signed contract for this account as the account was opened online through *** ***. A signed contract is not always required to initiate *** *** services, as orders for services can be taken over the phone or via the internet, which are considered verbal and electronic signatures, respectively. As the consumer has requested, Afni will no longer contact the consumer about this account. Please be aware that it can take the credit reporting agencies up to 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 he would like to discuss the account, he may contact a Consumer Relations Specialist at *** ***

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concernsOn October 11, 2016, *** *** forwarded the subject account, *** *** account #: ***, Afni Incaccount #: ***, with Afni for collections on the balance
of $1, The account is for services established on December 18, 1998, until *** *** considered the account delinquent on May 16, 2015.The billing address associated with the account is *** *** *** *** *** ***, and the phone numbers are ***, ***, ***, ***, and ***Afni mailed the initial notice of the account on October 14, On November 27, Afni furnished the credit reporting agencies with notice of the accountOn December 1, the consumer spoke to an Afni representative, but the call was disconnected On December 2, Afni received this complaintIn response, Afni ceased communication and initiated an investigationOn December 5, and December 6, Afni received letters from the consumer disputing the accountIn response, Afni continued to cease communication and continued the investigationAfni has attached bill copies from the account, for the consumer’s referenceAfni has made the business decision to cease collection activities on the account and return the account to *** ***Afni will also send a request to the credit reporting agencies to remove the account from the consumer’s credit reportThe consumer should contact *** *** 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 December 7, 2011, *** forwarded the subject account, *** account #: ***, Afni, Incaccount #: ***, with Afni for collections on the balance of
$The account is for services established on September 23, 2010, until *** considered the account delinquent on September 8, 2011. The service address is US Highway South Apartment 14A, Leesburg, GA Afni mailed the initial notice of the account on December 9, 2011. On January 8, 2012, Afni furnished the credit reporting agencies with notice of the account. On January 13th, the consumer spoke to an Afni representative to dispute the account. In response, Afni ceased communication and initiated an investigation. On January 15th, Afni updated the credit reporting agencies on the disputed status of the account. On January 16th, *** made a credit adjustment of $240.00; that same day, *** requested Afni to cease collections and return the account. On February 5th, Afni updated the credit reporting agencies of the paid in full status of the accountOn June 5, 2017, Afni received this complaint. In response, Afni ceased communication and initiated an investigation. To address the consumer’s concern, Afni has furnished accurate information to the credit reporting agencies at all times. In an effort to assist the consumer, on June 6th, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report. Afni has attached a credit deletion letter confirming this action took place. Afni trusts this response has addressed the consumer’s concerns. Afni is no longer the collection agency handling the subject account. As the account is paid in full, further questions regarding the account should be directed to ***