Afni, Inc.

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On February 27, 2017, *** *** forwarded the account, *** *** account #: ***, Afni, Incaccount #: ***, with Afni for collections on the
balance of $1,The account is for satellite service which *** *** considered the balance delinquent on June 29, 2016. The billing address associated with the account is *** *** ***, North Augusta, SC Afni mailed the initial notice of the account to the consumer on February 28, 2017. On April 2nd, Afni furnished the credit reporting agencies with notice of the account. On April 14th, Afni received a letter from the consumer disputing the account. In response, Afni ceased communication and initiated an investigation. On April 23rd, Afni updated the credit reporting agencies on the disputed status of the account. As a result of the investigation, Afni reached out to *** ***Afni mailed a cease communication and validation letter to *** *** ***, North Augusta, SC on April 28thAdditionally, that same day, Afni mailed the account billing statements to the consumer at the same address, as validation on the account. On May 31st, Afni received a dispute from the credit reporting agencies; while Afni has not responded yet, Afni will respond appropriatelyOn June 14, 2017, Afni received this complaint. In response, Afni continued to cease communication and initiated another investigation. Afni has attached copies of the account billing statements previously sent to the consumer to this response; these are provided as validation of the account. As the consumer has requested, Afni will no longer contact the consumer about this account. To address the consumer’s concerns, the 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 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 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. This response covers two accounts, I will address them individuallyOn July 5, 2017, *** forwarded the subject account, *** account #: ***, Afni, Incaccount #:
***, with Afni for collections on the balance of $369.91. The account is for an installment loan established on October 29, 2016, until *** considered the account delinquent on June 29, 2017. The billing address associated with the account is ** *** ***, Patterson, NY 12563, which is the same address the consumer listed on the complaint. Afni mailed the initial notice of the account on July 7, 2017. Afni has not, and will not furnish the subject account to the credit reporting agenciesThe original loan amount was $454.95. The installment payments were to be $for monthsOn September 6, 2017, *** forwarded the account, *** account #: *** Afni, Incaccount #: ***1, with Afni for collections on the balance of $69.98. The account is for an installment loan established on October 2, 2016, until *** considered the account delinquent on August 31, 2017. The billing address associated with the account is ** *** ***, Patterson, NY 12563, which is the same address the consumer listed on the complaintAfni has not, and will not furnish the subject account to the credit reporting agencies. The original loan amount was $139.94. The installment payments were to be $for monthsThe total balance owed on both accounts is $439.89. With regard to the installment loan, *** has notified Afni that the merchant was ***, an online jewelry store, and *** is an alternative financing company for purchases online. On September 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 loan confirmation for both accounts to this response for the consumer's reference. To address the consumer’s concern, Afni has had no communication with or spoken to the consumer by telephone. As the consumer has requested, Afni will not contact the consumer about this accountAs an extra precaution, Afni has also added phone number (*** *** to its internal do not call list, which should prevent any calls being placed to this number. Afni made a business decision to cease collections and return the subject account to ***. Further questions regarding the account should be directed to ***

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concernsOn January 6, 2016, *** forwarded the subject account, *** account #: ***, Afni Incaccount #: ***, with Afni for collections on the balance of $
The account is for services established on June 12, 2014, until *** considered the account delinquent on September 8, 2015.The billing address associated with the account is *** *** *** *** ***, *** ***Afni mailed the initial notice of the account on January 8, On February 7, Afni furnished the credit reporting agencies with notice of the accountOn September 6, Afni received a letter from the consumer disputing the accountIn response, Afni ceased communication and initiated an investigationOn September 9, Afni sent the consumer bill copies as validation of the accountOn September 11, Afni furnished the credit reporting agencies with notice of the disputed status of the accountOn October 14, Afni received another letter from the consumer disputing the accountOn December 6, Afni received complaint from the CFPB, which Afni responded to on December In response, Afni ceased communication and initiated another investigationBetween December 9, and December 16, Afni received three disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately On December 19, Afni received this complaintIn response, Afni continued to cease communication and continued the investigation of both complaintsOn December 22, *** requested that Afni cease collection activities on the account and return the account to ***, which Afni didOn December 25, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit reportDuring the investigation Afni reached out to *** for more information*** provided Afni with information, the billing ledger, and the signed agreement from service, which are attached for the consumer’s referenceAfni has also attached the bill copies previously sent to the consumer, for the consumer’s referenceSince the account is no longer in Afni’s office, the 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 November 20, 2017, *** forwarded the subject account, *** account #: ***, Afni, Incaccount #: ***, with Afni for collections on the balance of
$The account is for satellite services established on November 11, 2015, until *** considered the account delinquent on December 12, 2016. The billing and service address associated with the account is *** ** *** ***, Port Saint Lucie, FL 34984, which is the same address the consumer listed on the complaintAfni attempted to mail the initial notice of the account to the consumer on or about November 22, 2017. Afni received notice that the address was incorrect and did not receive an updated address. On January 7, 2018, Afni furnished the credit reporting agencies with notice of the accountOn January 10, 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. In response to the consumer’s complaint that Afni failed to validate the account upon receipt of a dispute, Afni did not receive any communication from the consumer until this Revdex.com complaint was receivedIn response, Afni ceased collections and initiated an investigation. 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 she would like to discuss the account, she may contact a Regulatory Specialist at (*** ***

I am rejecting this response because: I do not have a contract with this company

I am rejecting this response because: It still doesn't produce a signed contract with AFNI and since there is no signed contract from that company it is indeed a violation and has to be removed from my credit report

I am rejecting this response because: I talked to a representative with *** on 4/4/to make a pay arrangement to pay with them to close out my accountI am Active Duty and they are willing to resolve this old account

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On November 30, 2016, Comcast forwarded the subject account, Comcast account #: ***, Afni, Incaccount #: ***, with Afni for collections on the balance of
$The account is for satellite services which Comcast considered the account delinquent on March 28, 2012. The billing and service address associated with the account is *** *** *** *** *** ***, Shreveport, LA 71119. Afni mailed the initial notice of the account on December 5, 2016. On February 5, 2017, Afni furnished the credit reporting agencies with notice of the account. On July 26th, Afni received a letter from the consumer disputing the account. In response, Afni ceased communication and initiated an investigation. On July 30th, Afni updated the credit reporting agencies on the disputed status of the account. On August 28th, Afni has sent a request to the credit reporting agencies to remove the account from the consumer’s credit report. On September 18, 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, the subject 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. 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 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 concernsOn May 22, 2015, *** forwarded the subject account, *** account #: ***, Afni Incaccount #: ***, with Afni for collections on the balance of $1,
The account is for services established on February 15, 2014, until *** considered the account delinquent on July 30, Afni mailed the initial notice of the account on May 24, On July 12, Afni furnished the credit reporting agencies with notice of the accountOn June 15, 2016, *** requested that Afni cease collection activities on the account and return the account to ***, which Afni didOn June 19, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report On December 10, Afni received this complaintThis was Afni’s first contact with the consumerIn response, Afni initiated an investigationTo address the consumer’s concern, *** requested that Afni return the account to *** on June 15, which Afni didAfni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report on June Since the account is no longer in Afni’s office, the consumer should contact *** directly if they 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 concernsOn December 14, 2016, *** forwarded the subject account, *** account #: ***, Afni Incaccount #: ***, with Afni for collections on the balance of $
The account is for services, which *** considered delinquent on September 23, 2015.The billing address associated with the account is *** *** *** Sandy, Oregon 97055, and the phone number is ***Afni mailed the initial notice of the account on December 19, On January 16, Afni received this complaintThis was Afni’s first contact with the consumerIn response, Afni ceased communication and initiated an investigationAfni has attached bill copies from the account, for the consumer’s referenceAfni has not and will not furnish the account to the credit reporting agenciesAfni has made the business decision to cease collection activities on the account and return the account to ***The 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 January 9, 2018, *** forwarded the subject account, *** account #: ***, Afni, Incaccount #: ***1, with Afni for collections on the balance of
$2,942.15. The account is for cellular services established on March 3, 2012, until *** considered the account delinquent on March 19, 2017. The billing address associated with the account is *** *** ***, Grand Prairie, TX 75052, and the phone numbers are *** *** *** *** *** ***. Afni mailed the initial notice of the account on or about January 31, 2018. On February 25, 2018, Afni furnished the credit reporting agencies with notice of the accountOn April 4, 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 *** and acts as an agent on behalf of ***; therefore, the consumer would not have a contract with Afni. Additionally, the service lasted for five years until it was disconnected due to non-payment. The last payment on the account occurred on November 9, 2016, in the amount of $457.35. As previously stated, the account was considered delinquent on March 19, 2017. 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 (866) 716-

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meNevertheless, I maintain that I did not open that account with ***, I never received any correspondence from either *** or AFNI and I will continue to monitor my credit reports to ensure that their collection is removed from them.Thank you,*** ***

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concernsOn November 25, 2014, *** Mobility forwarded the subject account, *** Mobility account #: ***, Afni Incaccount #: ***, with Afni for collections on the
balance of $ The account is for services established on July 15, 2008, until *** Mobility considered the account delinquent on November 28, The billing address associated with the account is *** *** *** ***, Charlotte, NC 28277, which is the same address the consumer listed on the compliant, and the phone numbers are *** and ***Afni mailed the initial notice of the account on February 20, On April 12, 2015, Afni furnished the credit reporting agencies with notice of the accountBetween July 27, 2016, and August 21, 2017, Afni received multiple disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriatelyOn July 31, 2016, Afni furnished the credit reporting agencies with notice of the disputed status of the account. On January 4, 2017, an automatic credit deletion request was sent to the credit reporting agencies On August 21, 2017, Afni received this complaintIn response, Afni ceased communication and initiated an investigationAs a result of the investigation Afni reached out to *** Mobility for more information*** Mobility provided Afni with bill copies from the account, which are attached as validationAs the consumer has requested, Afni will no longer contact the consumer about this account. To address the consumer’s concerns, Afni mailed letters to the consumer at *** *** *** ***, Charlotte, NC 28277, on February 20, and February 11, 2016, which is the same address the consumer listed on the complaint, and did not receive any returned mail. In regards to the consumer's concerns about the age of the account, the statute of limitations applies to the legal remedy taken in a court of law. Afni does not file suit on collection accounts. 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 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

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On August 16, 2017, *** *** forwarded the subject account, *** *** account #: ***, Afni, Incaccount #: ***, with Afni for collections
on the balance of $The account is for satellite services established on September 24, 2011, until *** *** considered the account delinquent on April 6, 2012. The service address associated with the account is *** *** *** *** ** *** ** ***. Afni mailed the initial notice of the account on or about August 18, 2017. On December 10, 2017, Afni furnished the credit reporting agencies with notice of the account On December 22nd, Afni mailed the consumer verification of the account upon receipt of her dispute on December 15thOn January 9, 2017, Afni received this complaint In response, Afni ceased communication and initiated an investigation In regard to the consumer's concerns about the age of the account, the statute of limitations applies to the legal remedy taken in a court of law. Afni does not file suit on collection accounts. On January 14, 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 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 *** ***. 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 12444643, 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 August 25, 2017, *** forwarded the subject account, *** account #: ***, Afni, Incaccount #: ***, with Afni for collections on the balance
of $The account is for satellite services which *** considered the account delinquent on September 1, 2015. The billing and service address associated with the account is ** *** *** *** ** ***. Afni mailed the initial notice of the account on August 28, 2017. On October 29, 2017, Afni furnished the credit reporting agencies with notice of the account. November 1st, Afni responded to the consumer’s duplicate complaint filed through the *** portal on November 1stOn November 1, 2017, Afni received this complaint. In response, Afni ceased communication and initiated an investigationAfni has provided bill copies for the consumer's reference. To address the consumer’s concern, the account was updated as identity theft as Ms*** denied knowledge of any service with ***. Afni encourages Ms*** to visit ***'s fraud website at ***, which discusses the process and documentation needed for the fraud investigation. Additionally, Ms*** should contact ***'s Identity Theft Department at *** if she believes the account is not hers or feels this is a case of identity theft. 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. 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 *** ***

Unfortunately, we are unable to locate your account with the information you have provided. Please provide additional information, such as the telephone number to which Afni may have placed calls, the address to which we have sent correspondence or the Afni or original creditor account number
which are located on any letter you may have received from us. The Afni account number is the easiest way to locate your account. You are also welcome to call 1-*** to speak with an Afni representative

Initial Business Response /* (1000, 5, 2015/10/06) */
This is in response to your Revdex.com inquiryAfni appreciates the opportunity to respond to the consumer's concernsOn June 24, 2013, ** *** forwarded the subject account, ** *** account #: XXXXXXXXX, Afni Incaccount #: XXXXXXXXX-XX,
with Afni for collections on the balance of $
The account is for cell phone services, which ** *** considered delinquent on January 1, 2012.The billing address associated with the account is *** *** *** *** New Hampshire 03609, and the phone number is XXX-XXX-XXXXAfni mailed the initial notice of the account on June 26, On July 28, Afni furnished the credit reporting agencies with notice of the accountOn September 10, Afni received a payment on the account in the amount of $219.20, which closed the account as settled in fullOn September 29, Afni furnished the credit reporting agencies with notice of the settled in full status of the account
On September 22, 2015, Afni received this complaintThis was Afni's first contact with the consumerIn response, Afni ceased communication and initiated an investigationAfni has attached bill copies from the account as validationTo address the consumer's concerns, due to the long period of time between the payment being made on September 10, 2013, and the consumer checking her credit report recently, some confusion may have been createdTo address the consumer's concern regarding why this is hurting her credit, that is something that she would need to consult a credit expert regardingIn 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 reportSince the account has been settled in full, the consumer should contact ** *** directly if she would like to discuss the account further
Initial Consumer Rebuttal /* (2000, 7, 2015/10/07) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept this response if the account that is due is removed from my credit statement

Initial Business Response /* (1000, 5, 2016/06/21) */
This is in response to your Revdex.com inquiryAfni appreciates the opportunity to respond to the consumer's concernsOn April 29, 2015, *** Network forwarded the subject account, *** Network account #: XXXXXXXXXXXXXXXX, Afni Incaccount #:
XXXXXXXXX-XX, with Afni for collections on the balance of $
The account is for satellite services established on August 10, 2012, until *** Network considered the account delinquent on August 15, 2014.The billing address associated with the account is ** ***, Connecticut XXXXXAfni mailed the initial notice of the account on May 1, On May 31, Afni furnished the credit reporting agencies with notice of the accountOn May 19, 2016, *** Network requested that Afni cease collection activities on the account and return the account to *** Network, which Afni didOn May 22, Afni sent a request to the credit reporting agencies to remove the account from the consumer's credit report
On June 9, Afni received this complaintThis was Afni's first contact with the consumerIn response, Afni initiated an investigationAfni has attached bill copies from the account, for the consumer's referenceTo address the consumer's concern regarding Afni not responding to his correspondence, this complaint was Afni's first contact with the consumerAfni did not receive any correspondence from the consumer prior to this complaintSince the account is no longer in Afni's office, the consumer should contact *** Network directly if he would like to discuss the account further

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On June 13, 2016, Comcast forwarded the account, Comcast account #: ***, Afni, Incaccount #: 059939736-01, with Afni for collections on the balance of
$120.87. 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 services which Comcast considered the balance delinquent on December 2, 2011. The billing address associated with the account is *** *** *** Apartment 320, Jacksonville, FL 32225, which is also the service address. Afni mailed the initial notice of the account to the consumer on June 16th. On August 14th, Afni furnished the credit reporting agencies with notice of the account. Between September 20, and January 3, 2017, Afni received two disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately. On September 25th, Afni updated the credit reporting agencies on the disputed status of the account. On June 7th, Afni received a letter from the consumer disputing the account. In response, Afni ceased communication and initiated an investigationOn June 19, 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. 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 agenciesAfni 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-