Afni, Inc.

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On September 12, 2016, *** forwarded the subject account, *** account #: *** Afni, Incaccount #: ***, with Afni for collections on the balance of
$1,The account is for cellular service established on February 3, 2014, until *** considered the balance delinquent on November 18, 2015. The billing address associated with the account is ** *** *** *** ** McKeesport, PA 15132, 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 on September 15, On October 30th, Afni furnished the credit reporting agencies with notice of the account. Between November 16, and May 12, 2017, Afni received multiple disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately. On November 20, 2016, Afni updated the credit reporting agencies on the disputed status of the account. On March 2, 2017, the consumer called an Afni representative to dispute the account; however the call became disconnected. In response, Afni ceased communication and initiated an investigation. As a result of the investigation, Afni reached out to SprintAfni mailed a verification letter to ** *** *** *** ** McKeesport, PA on March 8th. On May 15th, Afni received a letter from the consumer disputing the account. In response, Afni ceased communication and initiated another investigation. On June 6, 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 *** and acts as an agent on behalf of Sprint; therefore the consumer would not have a contract with Afni. As a courtesy to the consumer, on June 11th, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report. However, this does not mean that the account is not due and owing, simply that Afni will no longer furnish the account to the credit reporting agencies. Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if she would like to discuss the account, she may contact a Regulatory Specialist at *** ***

Initial Business Response /* (1000, 5, 2016/05/26) */
This is in response to your Revdex.com inquiryAfni appreciates the opportunity to respond to the consumer's concernsOn December 6, 2010, *** *** forwarded the subject account, *** *** account #: XXXXXXXXXXXXXXXX, Afni Incaccount #:
XXXXXXXXX-XX, with Afni for collections on the balance of $
The account is for satellite services established on August 24, 2008, until *** *** considered the account delinquent on August 31, 2009.The billing address associated with the account is *** *** *** *** *** XXXXXAfni mailed the initial notice of the account on December 7, On January 9, 2011, Afni furnished the credit reporting agencies with notice of the accountOn April 20, *** *** notified Afni of a payment on the account for $120.00, which closed the account as paid in fullOn May 8, Afni furnished the credit reporting agencies with notice of the paid in full status of the accountOn May 13, 2016, the consumer spoke to an Afni representative and requested a receipt for the account, which was faxed to her that dayLater that same day the consumer spoke to an Afni representative twice and requested the account be removed from her credit report, since it had been paidThe consumer was advised that it is Afni policy to not trade payment on an account in exchange for deletion of an account from a consumer's credit reportThat Afni had already updated the credit reporting agencies with notice of the paid in full status of the accountLater that same day Afni received an email from the consumer requesting the account be removed from her credit report
On May 16, Afni received this complaintIn response, Afni initiated an investigationIn 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 that this has resolved the consumer's concernsSince the account has been paid in full, the consumer should contact *** *** directly 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 December 6, 2016, *** forwarded the subject account, *** account #: ***, Afni, Incaccount #: ***, with Afni for collections on the balance of
$The account is for cellular services established on May 31, 2008, until *** considered the account delinquent on October 26, 2015. The billing address associated with the account is ** *** *** *** ***, Bronx, NY 10453, which is the same address the consumer listed on the complaint, and the phone number is Afni mailed the initial notice of the account on December 10, 2016. On January 22, 2017, Afni furnished the credit reporting agencies with notice of the account. Between February 3rd and July 24th, Afni received multiple disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriatelyOn September 11, 2017, Afni received this complaint. This was Afni’s first contact with the consumerIn 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. Additionally, when a consumer submits a dispute through the credit reporting agencies, Afni responds directly to the credit reporting agencies. The final payment made on the account was in the amount of $on August 25, 2015, and the service was active until October 26, 2015. 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

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On November 1, 2016, *** forwarded the account, *** account #: 0957747262720, Afni, Incaccount #: 061563008-01, with Afni for collections on the balance of $
The account is for services which *** considered the balance delinquent on December 30, 2013. The billing and service address associated with the account is *** *** *** *** *, Monroe, LA 71201. Afni mailed the initial notice of the account to the consumer on November 4, 2016. On January 1, 2017, Afni furnished the credit reporting agencies with notice of the account. On February 20th, Afni received a letter from the consumer disputing the account. In response, Afni ceased communication and initiated an investigation. On February 26th, 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 the consumer a validation letter on March 1stAdditionally, that same day, Afni mailed the account billing statements to the consumer as validation on the account. On March 6th, the consumer called in and spoke to an Afni representative to discuss the account, but stated she would call back at a later dateOn June 20, 2017, Afni received this complaint. In response, Afni ceased communication and initiated the 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. 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 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 August 8, 2014, *** U-Verse forwarded the subject account, *** U-Verse account #: ***, Afni, Incaccount #: ***, with Afni for collections on the balance
of $The account is for services established on November 1, 2010, until *** U-Verse considered the account delinquent on October 3, 2011. The billing and service address associated with the account is *** *** *** ***, Kansas City, MO 64155. Afni mailed the initial notice of the account on or about August 28, 2014. On November 9, 2014, Afni furnished the credit reporting agencies with notice of the accountOn April 3, 2018, Afni received this complaint. In response, Afni ceased communication and initiated an investigation. Afni has provided bill copies for the consumer's reference. To address the consumer’s concern, the subject account has not been purchased by Afni. Afni received the account and all account information from *** U-Verse and acts as an agent on behalf of *** U-Verse. Additionally, Afni has furnished accurate and truthful information to the credit reporting agencies at all times in regard to the subject account. On April 8, 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 *** U-Verse. Further questions regarding the account should be directed to *** U-Verse

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On March 20, 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 October 9, 2014. The billing and service address associated with the account is *** *** *** Covington, TN Afni attempted to mail the initial notice of the account to the consumer on March 23, 2017. Afni received notice that the address was incorrect and did not receive an updated address. On May 21, 2017, Afni furnished the credit reporting agencies with notice of the account. On September 7th, Afni received a dispute from the credit reporting agencies; while Afni has not responded yet, Afni will respond appropriately. On September 14th, Afni updated the credit reporting agencies on the disputed status of the accountOn September 19, 20174, 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, as the initial notice was not received by the consumer, on September 20, 2017, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report and has attached a letter confirming said action took place. The consumer can take this letter to her financial institution in the interim to assist in any financing she may be pursuing. 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 (*** ***

I am rejecting this response because:
This is not my bill and I do not owe thisPlease do not resell or trade this collection and cise and desist all collection activitiesThank you

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On September 18, 2017, *** forwarded the subject account, *** account #: ***, Afni, Incaccount #: ***, with Afni for collections on the balance of $1,The account is for cellular services established on July 27, 2016, until *** considered the account delinquent on November 26, 2016. The billing address associated with the account is ** *** *** *** ** ***, and the phone numbers are *** and ***. Afni mailed the initial notice of the account on September 20, 2017. Afni has not, and will not furnish the subject account to the credit reporting agenciesOn October 11, 2017, Afni received this complaint. In response, Afni ceased communication and initiated an investigation. Afni has attached copies of the account billing statements for the consumer's reference. To address the consumer’s concern, the account was updated as identity theft as Mr*** denied knowledge of any service with *** and stated this account was established through fraudulent means. A *** Fraud Affidavit is attached for completion by Mr***. Afni encourages Mr*** to complete and return the Fraud Affidavit to: *** Fraud Management, OCA Dispute, *** *** *** *** *** *** ** *** for investigation. Placing a fraud alert with the credit reporting agencies is a suggestion and not required to investigate a fraud claim. Mr*** may also contact ***'s Fraud Department directly if he has any questions regarding the fraud process at *** ***. Afni trusts this response has addressed the consumer’s concerns

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

I am rejecting this response because: I have never owned both *** or *** I have also never resided at the address provided by the creditorThe validation that this company is providing only shows an adress and a bill while those things may be correct they do not belong to myself *** C*** JrI own no liability and have since filed a identity theft report with all major credit bureau's I will also be obtaining a police report to go along with my claimThe company also mentioned a bill with my signature why was that not provided as they specified in their reply? I *** C*** have not signed a contract or conducted any business with ***, ***, or ApniAccording to the Fair Credit Reporting ActSection (a) (1) (a) the credit or anyone representing the creditor are required by law to verify any accountI demand to see verifiable proof such as an original consumer contract with my signature on itUnder the FCRA unverified accounts must be removed and if you are unable to provide me with verifiable proof, you must remove the accounts because it is fraud

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On May 3, 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 September 29, 2014, until *** considered the account delinquent on July 19, 2015. The billing address associated with the account is *** *** *** ***, Cleveland, TN 37323, and the phone numbers are *** and ***. Afni attempted to mail the initial notice of the account to the consumer on or about May 7, 2016. Afni received notice of potential incorrect information that the letter was suppressed and did not receive an updated address until March 15, 2017. Afni mailed a new initial notice on the account on March 16th. On June 19, 2016, Afni furnished the credit reporting agencies with notice of the account. On March 15, 2017, the consumer made a payment in the amount $to close the account as settled in fullOn March 14, 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. 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 is no longer the collection agency handling the subject account. Further questions regarding the account should be directed to ***

Initial Business Response /* (1000, 5, 2016/03/09) */
This is in response to your Revdex.com inquiryAfni appreciates the opportunity to respond to the consumer's concernsOn November 12, 2013, *** forwarded the subject account, *** account #: XXXXXXXXXXXXX, Afni Incaccount #: XXXXXXXwith
Afni for collections on the balance of $
The account is for high speed internet services established on July 1, 2007, until *** considered the account delinquent on September 24, 2010.The billing address associated with the account is *** Wichita, Kansas XXXXXAfni mailed the initial notice of the account on January 17, On February 22, 2016, the consumer spoke to an Afni representative three times and stated that she was disputing the accountIn response, Afni ceased communication and initiated an investigationLater that same day, Afni received an email from the consumer disputing the accountIn response, Afni continued to cease communication and continued the investigation
On February 24, Afni received this complaintIn response, Afni continued to cease communication and continued the investigationDuring the investigation Afni reached out to *** for more information*** requested that Afni cease collection activities on the account and return the account to ***, which Afni didTo address the consumer's concerns, Afni was working the account on behalf of ***Afni has not and will not furnish this account to the credit reporting agenciesAfni apologizes for any inconvenience this has caused the consumer and trusts this has resolved her concernsThe consumer should contact *** directly if she would like to discuss the account further
Initial Consumer Rebuttal /* (3000, 7, 2016/03/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I did in fact reach out to *** regarding this matter*** says that the account was indeed placed in collection on the date that Afni citesWITH A DIFFERENT AGENCYAfni did not have this account from *** according to *** themselvesSO how can they "return" something they were never given? I believe they are scamming people and that is why they don't report to the credit bureauThis company needs to be investigated further for their unlawful practicesFor the record, the correct agency with which this account was placed did reflect on my credit reportPerhaps because they were the legitimate company contracted to collect my debt? The legit company had the exact same account information and received it on the same date from *** that Afni said they didOnce again *** directly confirmed this info BUT TO A DIFFERENT AGENCYI hope others are doing their due diligence and verifying accounts before they pay Afni any moneySomeone is not telling the truthEither *** or Afni
Final Business Response /* (4000, 11, 2016/03/22) */
This is in response to your Revdex.com inquiryAfni appreciates the opportunity to respond to the consumer's concernsOn November 12, 2013, *** forwarded the subject account, *** account #: XXXXXXXXXXXXX, Afni Incaccount #: XXXXXXXwith Afni for collections on the balance of $
The account is for high speed internet services established on July 1, 2007, until *** considered the account delinquent on September 24, 2010.The billing address associated with the account is *** Wichita, Kansas XXXXXAfni mailed the initial notice of the account on January 17, On February 22, 2016, the consumer spoke to an Afni representative three times and stated that she was disputing the accountIn response, Afni ceased communication and initiated an investigationLater that same day, Afni received an email from the consumer disputing the accountIn response, Afni continued to cease communication and continued the investigationOn February 24, Afni received this initial complaint, which Afni responded to on March
On March 11, Afni received this further correspondenceThis is all of the further information that Afni has to provide on the matterIn response, Afni initiated another investigationTo address the consumer's concerns, Afni was working the account on behalf of ***Afni has not and will not furnish this account to the credit reporting agenciesAfni apologizes for any inconvenience this has caused the consumer and trusts this has resolved her concernsThe consumer should contact *** directly 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 concernsOn August 15, 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 May 9, 2016.The billing address associated with the account is *** *** *** *** *** * *** *** ***Afni mailed the initial notice of the account on August 18, On August 22, the consumer spoke to an Afni representative and stated he was disputing the accountIn response, Afni ceased communication and initiated an investigationOn October 11, Afni sent the consumer bill copies as validation of the accountOn October 16, Afni furnished the credit reporting agencies with notice of the account, and of the disputed status of the account On December 12, Afni received this complaintIn response, Afni ceased communication and initiated another investigationAfni has attached the bill copies previously sent to the consumer, 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 agenciesTo address the consumer’s concern, Afni did send the consumer bill copies as validation of the account on October 11, prior to furnishing the account to the credit reporting agencies on October Afni will continue to cease communication on the accountThe consumer may contact a Compliance Specialist at ***, if he would like to discuss the account further

Initial Business Response /* (1000, 5, 2016/02/10) */
This is in response to your Revdex.com inquiryAfni appreciates the opportunity to respond to the consumer's concernsOn September 30, 2015, *** *** Insurance forwarded the subject account, *** *** Insurance account # ***, Afni Inc
account #: XXXXXXXXX, with Afni for resolution on the balance of $2,
The account is from an accident which occurred on July 30, In which the consumer's vehicle hit another vehicleAfni mailed the initial notice of the account on October 1,
On January 27, 2016, Afni received this complaintThis was Afni's first contact with the consumerIn response, Afni ceased communication and initiated an investigationOn February 8, *** *** Insurance notified Afni of additional charges in the amount of $249.75, leaving the account with a balance of $2,Afni is currently in communication with the consumer's insurance company regarding their coverage of the accidentAfni will continue to cease communication on the accountThe consumer may contact a representative at XXX-XXX-XXXX, if he would like to discuss the account further
Initial Consumer Rebuttal /* (3000, 7, 2016/02/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have contacted my insurance company as well as *** *** regarding this complaint multiple timesThese "charges" are covered by my insuranceBoth *** *** and my insurance have confirmed thatWhy would *** *** tell me one thing and a collection agency another? This is unbelievableAgain, I will not be paying AFNI and I do NOT want these fraudulent charges showing up on my credit history!

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On October 10, 2017, *** Mobility forwarded the subject account, *** Mobility account #: ***, Afni, Incaccount #: ***, with Afni for collections on the
balance of $The account is for cellular services established on September 5, 2007, until *** Mobility considered the account delinquent on April 4, 2016. The billing address associated with the account is 6* *** ***, Watertown, CT 06795, and the phone numbers are ***, ***, ***, ***, and ***. Afni mailed the initial notice of the account on or about October 13, 2017. Afni did not receive any notice of returned mail, and as a result, can infer that the notice of rights was received. On November 26, 2017, Afni furnished the credit reporting agencies with notice of the accountOn February 28, 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. To address the consumer’s concern, as stated, Afni mailed the initial notice of the account on or about October 13, 2017, and did not receive any notice of returned mail. Additionally, 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 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 *** ***

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On December 2, 2016, *** 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 April 15, 2013, until *** Mobility considered the account delinquent on May 6, 2013. The billing address associated with the account is Harrison Avenue, Centralia, WA 98531, and the phone numbers are ***, ***, and ***. Afni mailed the initial notice of the account on or about March 24, 2017. On May 7, 2017, Afni furnished the credit reporting agencies with notice of the account. On January 8, 2018, the consumer made a payment in the amount of $to settle the account in full. On January 16th, *** Mobility notified Afni of a credit adjustment made on the account in the amount of $879.14, bringing the account balance to $On February 14, 2018, Afni received this complaint. In response, Afni ceased communication and initiated an investigation. Afni has provided bill copies for the consumer's reference. To address the consumer’s concern, the account was not paid in full until January 16th; therefore, the consumer received accurate information from all Afni representatives in regard to the time frame on a credit deletion. 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 reportsIn an effort to assist the consumer, Afni has included a credit deletion letter which will assist the consumer with any financing he may be pursuing. Afni trusts this response has addressed the consumer’s concerns. As the account is now paid in full, further questions should be directed to *** Mobility

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concernsOn October 6, 2016, *** forwarded the subject account, *** account #: *** Afni Incaccount #: ***, with Afni for collections on the balance of $1,
The account is for services established on January 9, 2006, until *** considered the account delinquent on December 15, 2015.The billing address associated with the account is *** *** *** Orlando, Florida 32868, and the phone numbers are ***, ***, and ***Afni mailed the initial notice of the account on October 9, On October 20, Afni received a letter from the consumer disputing the accountIn response, Afni ceased communication and initiated an investigationOn October 26, Afni sent the consumer verification of the accountOn November 10, Afni received another letter from the consumer disputing the accountIn response, Afni ceased communication and initiated another investigationOn December 1, Afni sent the consumer bill copies as validation of the accountOn December 4, Afni furnished the credit reporting agencies with notice of the account, and of the disputed status of the accountOn December 15, Afni received another letter from the consumer disputing the accountOn December 21, 2016, and January 5, 2017, Afni received disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately On January 9, 2017, Afni received this complaintIn response, Afni ceased communication and initiated another investigationOn January 10, Afni received a complaint from the CFPBIn response, Afni continued to cease communication and continued the investigationAfni has attached the bill copies previously sent to the consumer, along with additional bill copies, as validationTo address the consumer’s concern, Afni responded to the consumer letters of dispute 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 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 further Tell us why here

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On May 30, 2017, Sprint forwarded the account, Sprint account #: ***, Afni, Incaccount #: ***, with Afni for collections on the balance of $The account is for cellular services established on February 1, 2016, until Sprint considered the balance delinquent on April 22, 2016. The billing address associated with the account is *** *** ***, La Marque, TX 77568, which is the same address the consumer listed on the complaint, and the phone number is ***. Afni mailed the initial notice of the account to the consumer on June 2, 2017. On July 16th, Afni furnished the credit reporting agencies with notice of the account. On July 21st, Afni received a dispute from the credit reporting agencies; while Afni has not responded yet, Afni will respond appropriately. On July 23rd, Afni updated the credit reporting agencies on the disputed status of the accountOn July 24, 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 for the consumer’s reference. On July 25th, Afni received two disputes from the credit reporting agencies; while Afni has not responded yet, Afni will respond appropriatelyOn July 31st, Afni responded to the consumer’s original complaint with validation and payment history. 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. The last payments made on this account were on March 5, 2016, in the amount of $and on March 19, in the amount of $80.00. There was a failed payment on this account on April 16, in the amount of $119.32, with credit/debit card ending in ***, bringing the unpaid balance to $785.57. To address the consumer’s concern regarding the rejection to the original response, Afni has updated the account as identity theft as the consumer is claiming no knowledge of the account. Additionally, Afni has attached identity theft information for completion by the consumer. The consumer should fill out this information and return it to Sprint Fraud Management, OCA Dispute, KSOPHE0202-2C516, Sprint Parkway, Overland Park, KS The consumer may also contact Sprint Fraud directly if he would like to discuss the account further at 888-788-Afni will no longer contact the consumer about this account

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concernsOn December 2, 2016, *** forwarded the subject account, *** account #: ***, Afni, Incaccount #: ***, with Afni for collections on the balance
of $ The account is for services until *** considered the account delinquent on August 5, 2015. The billing phone number associated with the account is *** ***Afni mailed the initial notice of the account on December 3, 2016. On January 9, 2017, Afni received a letter from the consumer stating she was disputing the account. In response, Afni ceased communication, initiated an investigation and sent the dispute to *** for review On January 31, 2017, Afni received this complaintIn response, Afni continued to cease communication and investigate. That same day, *** requested Afni to cease collections and return the account. Afni has not, and will not furnish the subject account to the credit reporting agenciesTo address the consumer’s concern, Afni was not notified of any payments on the account while it was placed with AfniAfni is no longer handling the subject account. The consumer should contact *** directly if she would like to discuss the account further

I am rejecting this response because: If you have my correct address, I would have received communication via writing, I did notI remember getting a call in which I would not verify address because I did not know who I was speaking with and they would not verify to whom they were - As I tell every and did on that day to send me a letter - I NEVER got the letter. Per the Fair Credit Reporting Act: The law: Within five days of initially contacting you, the collector must send written notice of the debt that includes:The amount of the debtThe name of the original creditor to whom the debt is owedA statement describing your right to dispute the debtAgain, I was NOT properly notified of this debt and this collection needs to be removed and the legal channels need to be followedI NEVER received communication from this third party debt collector