Afni, Inc.

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On December 18, 2014, *** *** forwarded the subject account, *** account #: ***, Afni Incaccount #: ***, with Afni for collections on the balance
of $The account for cellular phone services was established on May 16, 2011, until *** *** considered the account delinquent on June 14, 2011. The billing address associated with the account is *** *** *** *** *** ** ***, which is the same address the consumer listed on her complaint, and the phone number is ***. Afni mailed the initial notice of the account to the consumer on February 19, 2015. On April 12th, Afni furnished the subject account to the credit reporting agencies. On July 17th, the consumer called an Afni representative to claim identity theft on the account. In response, Afni ceased communication and initiated an investigation. On July 18th, Afni Ani mailed the consumer a fraud affidavit for completion. On July 21, 2017, Afni received this complaint. That same day, Afni received a letter from the consumer disputing the account and stating she refused to pay the account. In response, Afni continued to cease communication and continued the investigation. Afni has attached billing statements, solely for the consumer’s reference. To address the consumer’s concerns, the account was updated as identity theft as Ms*** denied knowledge of any service with *** ***. A previously sent fraud packet is attached for Ms*** for completion. Afni encourages the consumer to return the Fraud Affidavit within days to *** *** for investigation. The completed affidavit can be faxed to *** at *** ***If the consumer has any questions regarding the fraud process, Afni encourages her to contact *** ***’s Fraud Department at *** ***. Additionally, *** does not require a police report. Placing a fraud alert with the credit reporting agencies is a suggestion and not required to investigate a fraud claim. On July 23, 2017, Afni requested all credit reporting information to be removed. 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 September 12, 2016, Dish Network forwarded the subject account, Dish Network account #: ***, Afni, Incaccount #: *** with Afni for collections on
the balance of $The account is for services which Dish Network considered the account delinquent on June 22, 2015. The billing address associated with the account is Stringtown Road, Helena, AR 72342, which is the same address the consumer listed on the complaint. Afni attempted to mail the initial notice of the account to the consumer on September 14, 2017. On October 16, 2016, Afni furnished the credit reporting agencies with notice of the account. On March 10, 2017, the consumer called in and spoke to an Afni representative, but was unable to commit to a payment arrangement at that time. On March 24th, the consumer called in and spoke to an Afni representative and made a payment arrangement to settle the account in full for $62.52, stating he would mail in the payment. On March 30, 2017, Dish Network requested Afni to cease collections and return the accountOn April 2nd, Afni has requested all credit reporting information to be removed. On April 5th, a payment of $was received by Dish Network. On April 18th, the consumer called in and spoke to an Afni representative that he was upset that Dish Network had recalled the account. On April 26th, Afni received a letter from the consumer disputing the account and stating the account had been paid in full. In response, Afni ceased communication and initiated an investigation. On May 22, 2017, Afni received this complaint. In response, Afni continued to cease communication and continued with the investigation. Afni has attached copies of billing statements, for the consumer’s reference. In an effort to assist the consumer, Afni has requested all credit reporting information to be removedTo address the consumer’s concerns, the payment made on April 5th was made directly to Dish Network, not Afni. Afni is no longer the collection agency handling the subject account. Further questions regarding the account should be directed to Dish Network

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 1[redacted], and find that this resolution is satisfactory to me.

Initial Business Response /* (1000, 5, 2015/11/25) */
This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer's concerns. On July 13, 2015, Directv forwarded the subject account, Directv account #: XXXXXXXX, Afni Inc. account #: XXXXXXXXX-XX, with Afni...

for collections on the balance of $335.76.
The account is for satellite services established on August 8, 2013, until Directv considered the account delinquent on March 14, 2015.The billing address associated with the account is [redacted] Coral Springs, Florida 33067. Afni mailed the initial notice of the account on July 15, 2015. That same day the consumer spoke to an Afni representative and stated that she was disputing the account. In response, Afni ceased communication and initiated an investigation. On August 15, Afni sent the consumer verification of the account. On August 16, Afni furnished the credit reporting agencies with notice of the disputed status of the account. Between September 14, and November 9, Afni received three disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately.
On November 12, Afni received this complaint. In response, Afni ceased communication and initiated another investigation. Afni has attached bill copies from the account as validation. To address the consumer's concerns regarding not being aware of this account. The consumer spoke to an Afni representative on July 15, prior to Afni furnishing the account to the credit reporting agencies on August 15. Afni will continue to cease communication on the account. The consumer may contact a Consumer Relations Specialist at XXX-XXX-XXXX, 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 27, 2016, [redacted] Mobility forwarded the subject account, [redacted] Mobility account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the...

balance of $1,897.98. The account is for cellular services established on January 26, 2010, until [redacted] Mobility considered the account delinquent on June 26, 2012.  The billing address associated with the account is [redacted], Franklin, VA 23851, and the phone numbers are [redacted] and [redacted].  Afni mailed the initial notice of the account on or about January 28, 2017.  On March 19, 2017, Afni furnished the credit reporting agencies with notice of the account. On March 26, 2018, Afni received this complaint.  This was Afni’s first contact with the consumer.  In response, Afni ceased communication and initiated an investigation. Afni has attached copies of the account billing statements to this response; these are provided as validation of the account.  To address the consumer’s concern, the subject account has not been purchased by Afni.  Afni received the account from [redacted] Mobility and acts as an agent on behalf of [redacted] Mobility; therefore, the consumer would not have a contract with Afni.  Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit report.  Please be aware that it can take the credit reporting agencies up to 60 days to update consumer credit reports.  Afni has no control over how quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account is not due and owing, simply that Afni will no longer furnish the account to the credit reporting agencies.  Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if she would like to discuss the account, she may contact a Consumer Relations Specialist at ([redacted].

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On January 9, 2018, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted]1, with Afni for collections on the balance of $2,942.15.  The account is for cellular services established on March 3, 2012, until [redacted] considered the account delinquent on March 19, 2017.  The billing address associated with the account is [redacted], Grand Prairie, TX 75052, and the phone numbers are [redacted].  Afni mailed the initial notice of the account on or about January 31, 2018.  On February 23, 2018, Afni received a letter from the consumer disputing the account.  In response, Afni ceased communication and initiated an investigation.  On February 25, 2018, Afni furnished the credit reporting agencies with notice of the account.  As a result of the investigation, Afni reached out to [redacted] for validation on the account.  Afni responded to the consumer’s duplicate complaint filed through the Revdex.com on April 5, 2018. On April 13, 2018, 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, billing statements are indeed considered validation of a debt; however, as previously stated, Afni validated the account with [redacted].  As previously stated in Afni’s last response, the subject account has not been purchased by Afni.  Afni received the account from [redacted] and acts as an agent on behalf of [redacted]; therefore, the consumer would not have a contract with Afni.  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.  On April 16, 2018, Afni requested all credit reporting information to be removed.  Please be aware that it can take the credit reporting agencies up to 60 days to update consumer credit reports.  Afni has no control over how quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account is not due and owing, simply that Afni will no longer furnish the account to the credit reporting agencies.  Afni trusts this response has addressed the consumer’s concerns and considers the matter closed.

This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer's concerns. On July 15, 2016, [redacted] (Formerly [redacted]) forwarded the subject account, [redacted] (Formerly [redacted]) account #: [redacted], Afni Inc. account #: [redacted], with Afni for...

collections on the balance of $106.49.
The account is for services, which [redacted] (Formerly [redacted]) considered delinquent on January 26, 2015.The billing address associated with the account is [redacted]. Afni mailed the initial notice of the account on July 17, 2016. On August 1, the consumer spoke to an Afni representative and stated that he was disputing the account. In response, Afni ceased communication and initiated an investigation. On August 2, Afni received an email from the consumer disputing the account along with the consumer's equipment return receipt. In response, Afni continued to cease communication and continued the investigation. During the investigation Afni forwarded the consumer's equipment return receipt to [redacted] (Formerly [redacted]) for investigation. On September 26, Afni received an email from the consumer requesting the status of the investigation. On September 27, Afni replied to the consumer that Afni was still investigating the account. On September 30, [redacted] (Formerly [redacted]) informed Afni that the consumer's receipt was acceptable as indicating that the consumer had returned the equipment. On October 3, [redacted] (Formerly [redacted]) adjusted the balance of the account by $106.49, leaving the account with a zero balance. On October 24, Afni received an email from the consumer disputing the account.
On October 26, Afni received this complaint. In response, Afni ceased communication and initiated another investigation. On October 31, Afni received an email from the consumer disputing the account. In response, Afni continued to cease communication and continued the investigation. To address the consumer's concern, Afni did forward the consumer's receipt to [redacted] (Formerly [redacted]) and [redacted] (Formerly [redacted]) did adjust the account to a zero balance on October 3. Additionally [redacted] (Formerly [redacted]) did confirm that the equipment was returned to Afni. Afni has not and will not furnish this account to the credit reporting agencies. Since the account has been adjusted in full, the consumer should contact [redacted] (Formerly [redacted]) 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 August 14, 2017, [redacted] Communications forwarded the subject account, [redacted] Communications account #: [redacted], Afni, Inc. account #: [redacted], with Afni for...

collections on the balance of $303.91. The account is for services established on February 16, 2005, until [redacted] Communications considered the account delinquent on May 1, 2012.  The service address associated with the account is [redacted] Apartment 2172, Tucson, AZ 85713.  Afni mailed the initial notice of the account on or about August 17, 2017.  On December 10, 2017, Afni furnished the credit reporting agencies with notice of the account. On February 28, 2018, Afni received this complaint.  In response, Afni ceased communication and initiated an investigation. We have validated the subject account with [redacted] Communications.  Per [redacted] Communications, the final balance on the account was in the amount of $328.91.  The consumer had another account that had a $25.00 credit balance, which was transferred to this account, making the new balance owed $303.91.  [redacted] Communications address is [redacted], Atlanta, GA 30328.  To address the consumer’s concern 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.  With regard to the consumer’s statement that Afni has re-aged the account.  Afni has furnished accurate information to the credit reporting agencies at all times.  The credit reporting agencies require Afni to furnish the date Afni received the account as the open date.  However, the age of obsolescence for credit reporting is determined by the date of delinquency furnished to the credit reporting agencies.  When Afni furnished information on the account, it furnished the date of delinquency as August 14, 2017.  Therefore, Afni has not re-aged the account.  As previously stated, the date of delinquency on the account is May 1, 2012.  Additionally, Afni does not trade credit deletions for payments. Our agreements with the credit reporting agencies prevent us from trading payment for deletion.  On March 4, 2018, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report.  Please be aware that it can take the credit reporting agencies up to 60 days to update consumer credit reports.  Afni has no control over how quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account is not due and owing, simply that Afni will no longer furnish the account to the credit reporting agencies.  Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if he would like to discuss the account, he may contact a Consumer Relations Specialist at [redacted].

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  This response covers 2 accounts, I will address them individually. On August 21, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted],...

Afni, Inc. account #: [redacted], with Afni for collections on the balance of $1,148.12.  The account is for cellular services established on January 20, 2015, until [redacted] considered the account delinquent on January 13, 2016.  The billing address associated with the account is [redacted], Waukegan, IL 60087, and the phone numbers are [redacted], and [redacted].  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 account. On August 1, 2014, [redacted] forwarded the account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance of $634.18.  The account is for services established on June 1, 2008, until [redacted] considered the account delinquent on November 12, 2009.  The service address associated with the account is [redacted] Apartment 301, Gurnee, IL 60031.  Afni has not, and will not furnish the account to the credit reporting agencies. On April 3, 2018, Afni received this complaint.  This was Afni’s first contact with the consumer.  In response, Afni ceased communication and initiated an investigation.  Afni has attached copies of the account billing statements for [redacted] account #: [redacted], Afni, Inc. account #: [redacted], to this response; these are provided as validation of the subject account.  To address the consumer’s concern, the accounts have not been purchased by Afni.  Afni received the accounts from [redacted] and [redacted] and acts as an agent on behalf of [redacted] and [redacted]; therefore, the consumer would not have a contract with Afni.  Additionally, a signed contract is not always required to initiate [redacted] and [redacted] 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 [redacted] account #: [redacted], Afni, Inc. account #: [redacted], from the consumer’s credit report.  Please be aware that it can take the credit reporting agencies up to 60 days to update consumer credit reports.  Afni has no control over how quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the accounts are not due and owing, simply that Afni will no longer furnish [redacted] account #: [redacted], Afni, Inc. account #: [redacted] 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 [redacted].

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 #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance of $785.57. 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 [redacted], La Marque, TX 77568, which is the same address the consumer listed on the complaint, and the phone number is [redacted].  Afni mailed the initial notice of the account 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 account. On 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; these are provided as validation of the account.  On July 25th, Afni received two disputes from the credit reporting agencies; while Afni has not responded yet, Afni will respond appropriately. 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 $78.00 and on March 19, 2016 in the amount of $80.00.  There was a failed payment on this account on April 16, 2016 in the amount of $119.32, with credit/debit card ending in [redacted], bringing the unpaid balance to $785.57.  By making these payments, the consumer has taken ownership of the account.  Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if he would like to discuss the account, he may contact a Regulatory Specialist at (877) 859-8783.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12309443, 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 June 29, 2017, [redacted] forwarded the subject account, [redacted] account #:[redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance of...

$364.13.  Please note that this is for bundled services and all equipment charges are not included in the balance Afni is collecting upon.  The account is for satellite services which [redacted] considered the account delinquent on May 24, 2017.  The billing and service address associated with the account is [redacted], which is the same address the consumer listed on the complaint.  Afni mailed the initial notice of the account on July 3, 2017. An Afni representative called the consumer on July 5th, to discuss the account and the consumer then disputed the account.  In response, Afni ceased communication and initiated an investigation.  On July 30th, Afni furnished the credit reporting agencies with the disputed status of the account.  On August 14th, Afni mailed a validation letter to the consumer. Additionally, that same day, Afni mailed the account billing statements to the consumer as validation on the account. On September 5, 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, the subject account has not been purchased by Afni.  Afni received the account from [redacted] and acts as an agent on behalf of [redacted].  As the consumer has requested, Afni will no longer contact the consumer about this account.  Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit report.  Please be aware that it can take the credit reporting agencies anywhere from 0 to 90 days to update consumer credit reports.  Afni has no control over how quickly the credit reporting agencies update consumer credit reports.  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 [redacted].

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. I appreciate the response. When I see that the issue has been removed from my credit report I will call Afni to complete the transaction. I was prepared to settle the debt on the day that I called and am still prepared to settle the debt.Thank you,[redacted]

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On July 5, 2016, Dish Network forwarded the account, Dish Network account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance...

of $136.64. The account is for satellite service established on August 11, 2012, until Dish Network considered the balance delinquent on October 30, 2015.  The billing address associated with the account is [redacted], Phenix City, AL 36869.   Afni mailed the initial notice of the account to the consumer on July 7th.  On August 7th, Afni furnished the credit reporting agencies with notice of the account.  On February 2, 2017, the consumer called an Afni representative to set a payment arrangement to settle the account in full for $68.32.  On February 7th, requested Afni to cease collections and return the account as it had been settled in full.  On February 12th, Afni updated the credit reporting agencies on the Settled in Full status of the account. On August 2, 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 for the consumer’s reference.  To address the consumer’s concerns, the account has not been purchased by Afni.  Afni received the account from Dish Network and acts as an agent on behalf of Dish Network; therefore the consumer would not have a contract with Afni.  Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit report.  Please be aware that it can take the credit reporting agencies anywhere from 0 to 90 days to update consumer credit reports.  Afni has no control over how quickly the credit reporting agencies update consumer credit reports.  Afni is no longer the collection agency handling the subject account.  Further questions regarding the account should be directed to Dish Network.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On March 15, 2016, [redacted] forwarded the subject account, [redacted] account #: [redacted] Afni, Inc. account #: [redacted], with Afni for collections on the balance of $646.99....

The account is for cellular services which [redacted] considered the account delinquent on January 13, 2015.  The billing address associated with the account is [redacted], Moses Lake, WA 98837, and the phone numbers are [redacted] and [redacted].  Afni mailed the initial notice of the account on or about March 18, 2017.  On September 4, 2016, Afni furnished the credit reporting agencies with notice of the account.  An Afni representative called the consumer on March 7, 2017, to discuss the account.  The consumer agreed to a payment arrangement to settle the account in full for $355.84.  On March 13th, the consumer called an Afni representative and made an electronic payment in the amount of $355.84 to settle the account in full. On March 21st, Afni mailed the consumer a settled in full letter which stated: “This letter serves as confirmation that the account listed above has been closed as settled in full.  If Afni has reported information on this account to the credit bureaus, Afni will send notification to the credit bureaus with the appropriate updates to accurately reflect this status.”  On March 26th, Afni updated the credit reporting agencies on the settled in full status of the account.  On October 3rd, the consumer called an Afni representative to request another settled in full letter.  On October 5th, mailed the consumer an additional settled in full letter.  Between October 9th and November 1st, Afni received multiple disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately.  On October 15th, Afni updated the credit reporting agencies on the disputed status of the account.  On November 21st, Afni received an email from the consumer requesting a credit deletion.  Later that same day, Afni responded via email to the consumer stating it was Afni’s policy to only furnish accurate information to the credit reporting agencies. On November 21, 2017, Afni received this complaint.  In response, Afni ceased communication and initiated an investigation. Afni has provided bill copies for the consumer's reference.  To address the consumer’s concern, Afni reviewed the consumer’s telephone calls.  When the consumer made her payment to settle the account in full on March 13th, the Afni representative clearly stated the account would be closed as settled in full.  No promise was ever given to the consumer that the account would be deleted from the credit reporting agencies.  Additionally, on October 3rd, the consumer was told the account was updated as settled in full on March 26th.  The mailing address was also confirmed with the consumer during the same call.  When a consumer submits a dispute through the credit reporting agencies, Afni responds directly to the credit reporting agencies.  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 account is settled in full, further questions should be directed to [redacted].  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 April 27, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the...

balance of $1,149.41. The account is for cellular services established on December 6, 2010, until [redacted] considered the account delinquent on September 29, 2015.  The billing address associated with the account is [redacted], and the phone numbers are [redacted] and [redacted].  Afni mailed the initial notice of the account on May 1, 2017.  On June 18, 2017, Afni furnished the credit reporting agencies with notice of the account. On September 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, the account was updated as identity theft as Ms. [redacted] denied all knowledge of the subject account.  A fraud packet is attached for Ms. [redacted] for completion.  Afni encourages the consumer to return the Fraud Affidavit within 21 days to [redacted] for investigation.  The completed affidavit can be faxed to [redacted] at [redacted].  Additionally, [redacted] does not require a police report.  Placing a fraud alert with the credit reporting agencies is a suggestion and not required to investigate a fraud claim.  If the consumer has questions regarding the fraud process, please contact [redacted]’s Fraud Department at [redacted].  As the consumer has requested, Afni will no longer contact the consumer about this account.  Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit report.  Please be aware that it can take the credit reporting agencies anywhere from 0 to 90 days to update consumer credit reports.  Afni has no control over how quickly the credit reporting agencies update consumer credit reports.  Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if she would like to discuss the account, she may contact a Regulatory Specialist at [redacted].

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12014710, and find that this resolution is satisfactory to me, pending removal from Equifax.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On April 10, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance...

of $51.71. The account is for services established on August 1, 2014, until [redacted] considered the account delinquent on September 11, 2015.  The billing address associated with the account is [redacted], Orlando, FL 32811.  Afni mailed the initial notice of the account on April 13, 2017.  On May 28th, Afni furnished the credit reporting agencies with notice of the account.  On July 24th, [redacted] notified Afni that a payment was received in the amount of $51.71 to close the account as paid in full.  That same day, [redacted] requested Afni to cease collections and return the account.  On July 30th, Afni updated the credit reporting agencies on the paid in full status of the account.  On July 31st, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately.  On August 6th, Afni updated the credit reporting agencies on the disputed status of the account.  On August 16, 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 for the consumer’s reference.  To address the consumer’s concern, Afni updates the credit reporting agencies with the accurate status of the account.  On August 20, 2017Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report.  Please be aware that it can take the credit reporting agencies anywhere from 0 to 90 days to update consumer credit reports.  Afni has no control over how quickly the credit reporting agencies update consumer credit reports. As the account is paid in full, further questions regarding the account should be directed to [redacted].

Initial Business Response /* (1000, 5, 2016/03/18) */
This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer's concerns. On July 2, 2015, [redacted] forwarded the subject account, [redacted] account #: XXXXXXXX, Afni Inc. account #: XXXXXXXXX-XX, with Afni...

for collections on the balance of $545.22.
The account is for satellite services established on May 4, 2010, until [redacted] considered the account delinquent on April 4, 2015.The billing address associated with the account is [redacted] Paso Robles, California 93446. Afni mailed the initial notice of the account on July 4, 2015. On August 2, Afni furnished the credit reporting agencies with notice of the account. On February 24, 2016, the consumer spoke to an Afni representative and stated that the account was the result of identity theft. On February 25, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately. Later that same day, the consumer spoke to an Afni representative. On February 28, Afni sent a request to the credit reporting agencies to remove the account from the consumer's credit report. On February 29, [redacted] requested that Afni cease collection activities on the account and return the account to [redacted], which Afni did.
On March 4, Afni received this complaint. In response, Afni initiated another investigation, as the initial investigation was unable to be completed due to [redacted] requesting that Afni return the account to [redacted]. Afni has attached bill copies from the account, for the consumer's reference. Afni sent a request to the credit reporting agencies to remove the account from the consumer's credit report on February 28. Since the account is no longer in Afni's office, the consumer should contact [redacted] directly if she would like to discuss the account further.

I am rejecting this response because: This is exactly why I made my complaint both companies are actually pointing at each other and now the finger is pointing at me.  this complaint was never about when the account was established nor who can sent the account to the credit bureau. It is so frustrating and that is conflict of interest at it's finest. what a shame.   Now if they did read my complaint and gave themselves a chance to listen to me on the phone calls, they would  have had a much better responses and explanations.  On 11/10/2016 the purpose of my call to AFNI was  to verify and confirming any affiliation to the collection agency that took me to Court ([redacted].)   But the manager and Representative I spoke to  did mentioned about the payment. so it is so phony how [redacted] does not accept the letter I sent stated the payment was fully satisfied as proof. have any knowledge about [redacted] nor the payment and at the same time  AFNI  toll me they were going to send a letter to [redacted] to investigate. it is ridiculous how the manager from AFNI was trying to rush me of the phone but yet was trying to convince me  [redacted] will investigate this case.  and now they're so quick to offer an apology it is laughable.   I don't know why on their response they are asking to call [redacted].  so I would love to know who's going to take responsibility to fix this issues not trying to collect money from?  sincerely [redacted]