Afni, Inc.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On April 25, 2016, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance of $539.93....

The account is for cellular services established on April 21, 2013, until [redacted] considered the account delinquent on June 16, 2015.  The billing address associated with the account is [redacted], Ruleville, MS 38771, and the phone number is [redacted].  Afni attempted to mail the initial notice of the account to the consumer on or about April 27, 2016.  Afni received notice that the address was incorrect and did not receive an updated address until March 8, 2017. Afni mailed a new initial notice on the account on or about March 9, 2017.  On June 12, 2016, Afni furnished the credit reporting agencies with notice of the account.  On March 9, 2017 Afni mailed verification of the account to the consumer. On March 14, 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, Afni does not furnish, nor is Afni required to furnish, our agreement with [redacted] granting us the authority to collect on a debt.  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.  The state of Texas does not require a license to collect on a debt.  Due to the consumer having returned mail on the 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 up to 60 days to update consumer credit reports. Afni has no control over how quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account is not due and owing, simply that Afni will no longer furnish the account to the credit reporting agencies.  Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if he would like to discuss the account, he may contact a Consumer Relations Specialist at (866) 716-1284.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On August 8, 2014, [redacted] U-Verse forwarded the subject account, [redacted] U-Verse account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance...

of $274.91. The account is for services established on May 1, 2009, until [redacted] U-Verse considered the account delinquent on July 11, 2010.  The service address associated with the account is [redacted], Santa Rosa, CA 95407, which is the same address the consumer listed on the complaint.  Afni mailed the initial notice of the account on or about September 16, 2014.  On November 9, 2014, Afni furnished the credit reporting agencies with notice of the account.  On May 14, 2017, Afni has sent a request to the credit reporting agencies to remove the account from the consumer’s credit report.  On February 23, 2018, Afni received this complaint.  This was Afni’s first contact with the consumer.  In response, Afni ceased communication and initiated an investigation. In regard to the consumer’s concerns regarding false allegations about Afni on the internet, be assured that Afni takes every consumer complaint and dispute seriously.  Afni investigates each account thoroughly and, if applicable, offers the consumer validation of the account in a timely manner.  Afni is aware that some websites portray Afni’s reputation in a negative way; however, Afni does not respond to consumer inquiries made in public forums in order to protect the privacy of consumers.  As the consumer has requested, Afni will no longer contact the consumer about this account.  Afni made a business decision to cease collections and return the subject account to [redacted] U-Verse.  Further questions regarding the account should be directed to [redacted] U-Verse.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On November 16, 2016, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni Inc. account #: [redacted], with Afni for collections on the...

balance of $131.48. The account for cellular phone services was established on October 18, 2012, until [redacted] considered the account delinquent on December 8, 2012. The billing address associated with the account is [redacted], Webster, TX 77598 and the phone number is [redacted].  Afni mailed the initial notice of the account on January 26, 2017.  On March 19, 2017, Afni furnished the subject account to the credit reporting agencies.  On April 4th, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately.  On May 4th, Afni received another dispute from the credit reporting agencies.  While Afni has not responded yet, Afni will respond appropriately.  On May 6, 2017, Afni received this complaint.  In response, Afni ceased communication and initiated an investigation.  Afni has attached bill statements, solely for the consumer’s reference.  Between May 8th and May 9th, Afni received several emails from the consumer requesting a credit deletion and disputing the account.  In response, Afni continued to cease communication and continued the investigation.  To address the consumer’s concerns, the account was updated as identity theft as Ms. [redacted] denied knowledge of any service with [redacted].  On May 11th, Afni mailed a fraud packet to Ms. [redacted] to complete and return to [redacted].  For the consumer’s convenience, Afni has attached an additional fraud packet to this response.  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 any questions regarding the fraud process, she should call [redacted]’s Fraud Department at [redacted].  In an effort to assist the consumer, Afni will request all credit reporting information to be removed from the subject account.  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 December 1, 2014, AT&T Mobility forwarded the subject account, AT&T Mobility account #:  [redacted], Afni, Inc. account #: 0[redacted]1, with Afni for...

collections on the balance of $418.01. The account is for cellular services established on June 27, 2011, until AT&T Mobility considered the account delinquent on April 25, 2012.  The billing address associated with the account is 815 2nd Avenue South, South Saint Paul, MN 55075 and the phone number is [redacted].  Afni mailed the initial notice of the account on February 12, 2015.  On April 5th, Afni furnished the credit reporting agencies with notice of the account.  On April 20, 2016, Afni received a letter form the consumer offering to settle to the account in full for a balance far lower than Afni would be able to settle for, as Afni does not own the account.  Between April 28th and April 29th, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately.  On May 1st, Afni updated the credit reporting agencies on the disputed status of the account.  On May 13th, Afni received a letter from the consumer disputing the account. In response, Afni ceased communication and initiated an investigation.  As a result of the investigation, Afni reached out to AT&T Mobility. Afni mailed a validation letter to the consumer on June 1st. Additionally, that same day, Afni mailed the account billing statements to the consumer validation on the account.  On June 3rd, Afni received a letter from the consumer requesting Afni cease all communication.  In response, Afni ceased all communication with the consumer.  On June 14th, Afni received another letter from the consumer disputing the account.  In response, Afni ceased communication and initiated another investigation.  On July 13th, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately. On July 18th, Afni received another letter from the consumer disputing the account.  In response, Afni continued to cease communication and continued the investigation.  On August 29th, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately.  On October 24th, Afni received another letter from the consumer disputing the account.  In response, Afni continued to cease communication and continued the investigation.  Between November 1, 2016 and July 14, 2017, Afni received multiple disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately.  On November 21, 2016, Afni received a letter from the consumer disputing the account.  In response, Afni continued to cease communication and continued the investigation.  The account had previously been validated on June 1, 2016. On August 2, 2017, Afni received this complaint.  In response, Afni ceased communication and initiated an 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. The account had previously been validated on June 1, 2016.  To address the consumer’s concerns, Afni has never spoken to the consumer.  Additionally, when a consumer submits a dispute through the credit reporting agencies, Afni responds directly to the credit reporting agencies.  Afni does not accept payment for deletion on any account.  On August 6th, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report.  Please be aware that it can take the credit reporting agencies anywhere from 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 or a settlement in full offer, he may contact a Consumer Relations Specialist at (866) 716-1284.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 12261302, and find that this resolution is satisfactory to me.

Initial Business Response /* (1000, 5, 2016/07/05) */
This is in response to your Revdex.com inquiry. Afni appreciates the opportunity to respond to the consumer's concerns. On June 13, 2016, [redacted] forwarded the subject account, [redacted] account #: XXXXXXXXXXXXXXXX, Afni Inc. account #: XXXXXXXXX-XX,...

with Afni for collections on the balance of $253.50.
The account is for cable services, which [redacted] considered delinquent on April 14, 2010.The billing address associated with the account is [redacted] Avenue Apt 3 La Porte, Indiana 46350. Afni mailed the initial notice of the account on June 16, 2016. On June 23, the consumer spoke to an Afni representative and stated that the account was the result of identity theft. In response, Afni ceased communication and initiated an investigation.
On June 27, Afni received this complaint. In response, Afni continued to cease communication and continued the investigation. Afni has attached bill copies from the account, for the consumer's reference. Afni has made the business decision to cease collection activities on the account and return the account to [redacted]. Afni has not and will not furnish this account to the credit reporting agencies. The consumer should contact [redacted] directly if she would like to discuss the account further.
Initial Consumer Rebuttal /* (2000, 7, 2016/07/08) */
(The consumer indicated he/she ACCEPTED the response from the business.)
It was dropped as asked

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On June 12, 2017, Comcast forwarded the subject account, Comcast account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance of...

$720.50.  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 Comcast considered the account delinquent on June 5, 2015. The billing and service address associated with the account is [redacted] Hephzibah, GA 30815, which is the same address the consumer listed on the complaint.  Afni mailed the initial notice of the account on June 14, 2017.  On August 13, 2017, Afni furnished the credit reporting agencies with notice of the account. On September 18, 2017, Afni received this complaint.  This was Afni’s first contact with the consumer.  In response, Afni ceased communication and initiated an investigation.  Afni has attached copies of the account billing statements to this response; these are provided as validation of the account.  To address the consumer’s concern, the subject account has not been purchased by Afni.  Afni received the account from Comcast and acts as an agent on behalf of Comcast; 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.  However, this does not mean that the account is not due and owing, simply that Afni will no longer furnish the account to the credit reporting agencies.  Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if she would like to discuss the account, she may contact a Regulatory Specialist at ([redacted].

This is in response to your Revdex.com Response Rejection.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On November 20, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted] Afni, Inc. account #: [redacted], with Afni for collections on the balance of $611.87. The account is for satellite services established on July 5, 2016 until [redacted] considered the account delinquent on January 10, 2017.  The billing and service address associated with the account is [redacted], Chester, SC 29706.  Afni mailed the initial notice of the account on or about November 22, 2017.  On January 7, 2018, Afni furnished the credit reporting agencies with notice of the account.  Afni has responded to the consumer’s previous complaint filed through the Revdex.com on January 10th. On January 19, 2018, Afni received this rejection complaint.  In response, Afni ceased communication and initiated another investigation.  To address the consumer’s concern, on January 19th, Afni sent another request to the credit reporting agencies to remove the account from the consumer’s credit report and has attached a letter to this response confirming said action took place.  This letter should assist the consumer with any financing she may be pursuing until the credit reporting agencies update the consumer’s credit report.  Additionally, Afni does not furnish credit reporting information to Equifax.  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.  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 [redacted], and find that this resolution is satisfactory to me. Although AFNI is lying about not contacting us they called my phone and my daughters phone on the 2-16-18.  If the “debt” was valid and legal it would have shown up when we joined the program offered by [redacted] Law and they would have received a power of attorney.  The debt did not show up and is not legal or valid and they are acting fraudulently and willingly and clearly violating the law.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On August 25, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance of...

$810.56. The account is for cellular services established on November21, 2014, until [redacted] considered the account delinquent on July 22, 2016.  The billing address associated with the account is [redacted], Prattville, AL 36066, and the phone numbers are [redacted] and [redacted].  Afni mailed the initial notice of the account on or about August 29, 2017.  On October 15, 2017, Afni furnished the credit reporting agencies with notice of the account.  On February 2, 2018, the consumer called in and spoke to an Afni representative and agreed to a payment arrangement to settle the account in full for $405.28.  Later that same day, the consumer made a payment via Afni’s website in the amount of $810.56 to close the account as paid in full. On March 22, 2013, Afni received this complaint.  In response, Afni ceased communication and initiated an investigation.  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 open date as August 25, 2017.  Therefore, Afni has not re-aged the account.  As previously stated, the date of delinquency on the account is July 22, 2016.  On March 25, 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.  As the account is now paid in full, further inquiries should be directed to [redacted]

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On October 30, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted] Afni, Inc. account #: [redacted], with Afni for collections on the...

balance of $417.09. The account is for services established on January 1, 2016, until [redacted] considered the account delinquent on May 2, 2016.  The billing address associated with the account is [redacted], Anaheim, CA 92805, which is the same address the consumer listed on the complaint.  Afni mailed the initial notice of the account on or about November 2, 2017, to [redacted], Anaheim, CA 92805, which is the same address the consumer listed on the complaint.  Afni did not receive any notice of returned mail, and as a result, can infer that the notice of rights was received.  On January 14, 2018, Afni furnished the credit reporting agencies with notice of the account. On January 23, 2018, Afni received this complaint.  In response, Afni ceased communication and initiated an investigation.  Afni has attached copies of the account billing statements to this response; these are provided as validation of the account.  To address the consumer’s concern, Afni has forwarded the documentation provided in the complaint to [redacted].  Additionally, Afni mailed the consumer the initial notice detailing her right to dispute the debt on or about November 2, 2017, to the address the consumer listed in her complaint.  Afni mailed a validation letter to the consumer on January 11th. Additionally, that same day, Afni mailed the account billing statements to the consumer as validation on the 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 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 24, 2017, Sprint forwarded the account, Sprint account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance of $939.99. The...

account is for cellular services established on April 19, 2014, until Sprint considered the balance delinquent on April 2, 2016.  The billing address associated with the account is [redacted], Phoenix, AZ 85060 and the phone numbers are [redacted] and [redacted].  Afni attempted to mail the initial notice of the account to the consumer on January 26.  Afni received notice that the address was incorrect and did not receive an updated address.  On March 12, Afni furnished the credit reporting agencies with notice of the account.  On June 9, Afni received a letter from the consumer disputing the account and refusing to pay.  In response, Afni ceased communication and initiated an investigation. On June 18, Afni updated the credit reporting agencies on the disputed status of the account.  On June 23, 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.  On June 25, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report.  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.  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 (877) 859-8783.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On December 21, 2016, AT&T Mobility forwarded the subject account, AT&T Mobility account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections...

on the balance of $2,636.62. The account is for cellular services established on July 26, 2004, until AT&T Mobility considered the account delinquent on May 27, 2015.  The billing address associated with the account is [redacted], Racine, WI 53403, which is the same address the consumer listed on the complaint, and the phone numbers are [redacted] and [redacted].  Afni mailed the initial notice of the account on December 27, 2016.  On February 12, 2017, Afni furnished the credit reporting agencies with notice of the account.  Between July 19th and July 25th, Afni received two disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately.  On July 23rd, Afni updated the credit reporting agencies on the disputed status of the account.  On July 25th, Afni received a letter from the consumer disputing the account.  In response, Afni ceased communication and initiated an investigation.  On August 25th, 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 August 28th, Afni requested all credit reporting information to be removed. On September 1, 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 AT&T Mobility and acts as an agent on behalf of AT&T Mobility; therefore, the consumer would not have a contract with Afni.  As the consumer has requested, Afni will no longer contact the consumer about this account.  Afni has 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.  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 (877) 859-8783.

I am rejecting this response because: I do not have a signed contract with this company with my original signature or ever had a signed contract with this company. This is not a valid response of validation. I requested the validation in writing in which they have failed to provide me with and they have violated the Texas Finance Code 392.202(b)(2). Since they couldn’t not validate the debt in a timely response they need to remove their name from my credit reports or I will have to file a complaint with the Texas Attorney General since they have violated my rights of not accurately validating thedebt as requested in my certified mail letter. A statement is not a validation of debt per the Texas Finance Code 392.202(b)(2).

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

balance of $483.48. The account is for services established on May 10, 2012, until [redacted] Mobility considered the account delinquent on January 13, 2013.  The billing address associated with the account is [redacted], Greenville, NC 27834 and the phone number is [redacted]76.  Afni mailed the initial notice of the account on January 17, 2017.  On April 9, Afni furnished the credit reporting agencies with notice of the account.  On April 24, 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.   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 the accounts, it furnished the date of delinquency as December 14, 2016. Therefore, Afni has not re-aged the account.  Additionally, this complaint was Afni’s first communication with the consumer; Afni did not place any silent calls to the consumer.  As a courtesy to the consumer, Afni has sent a request to the credit reporting agencies to remove the account from the consumer’s credit report.  On April 28, 2017, [redacted] Mobility requested Afni to cease collections and return the account.  Afni is no longer the collection agency handling the subject account.  Further questions regarding the account should be directed to [redacted] Mobility.

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On March 8, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the balance...

of $142.68. The account is for services established on July 1, 2014, until [redacted] considered the account delinquent on August 11, 2015. The billing address associated with the account is [redacted].  Afni mailed the initial notice of the account March 10, 2017, to [redacted], which is the same address the consumer listed on the complaint, and did not receive any returned mail.  On April 30, Afni furnished the subject account to the credit reporting agencies.  On May 24 and May 25, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately.  On May 26, Afni received a letter from the consumer disputing the account.  In response, Afni ceased communication and initiated an investigation. On May 28, Afni updated the credit reporting agencies on the disputed status of the account.  On June 16 and June 26, Afni received disputes from the credit reporting agencies; while Afni has not responded yet, Afni will respond appropriately.  On June 22, 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 previously sent to the consumer to this response; these are provided as validation of the account.  To address the consumer’s concern, the subject account has not been purchased by Afni.  Afni received the account from [redacted] and acts as an agent on behalf of [redacted].  Additionally, Afni sent the first notice to the consumer to the address listed on the complaint on March 10 and did not furnish the subject account to the credit reporting agencies until April 30.  As a courtesy to the consumer, on June 25, 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 [redacted].

I am rejecting this response because: The ANFI representative said they would not remove the information from my history, and it continues to show on my credit history even though paid and closed.

I am rejecting this response because:What type of proof will I have that AFNI will not longer furnish these accounts to the credit bureau

This is in response to your Revdex.com inquiry.  Afni appreciates the opportunity to respond to the consumer’s concerns.  On January 31, 2018, [redacted] Communications forwarded the subject account, [redacted] Communications account #: [redacted], Afni, Inc. account #: [redacted], with Afni for...

collections on the balance of $83.83. The account is for services established on November 22, 2013, until [redacted] Communications considered the account delinquent on June 6, 2014.  The billing and service address associated with the account is [redacted], Tulsa, OK 74105.  Afni mailed the initial notice of the account on or about February 13, 2018.  Afni has not, and will not furnish the subject account to the credit reporting agencies.  On February 26th, Afni received a letter from the consumer disputing the account.   In response, Afni ceased communication and initiated an investigation.  As a result of the investigation, Afni reached out to [redacted] Communications.  On February 28th, Afni mailed verification of the account to the consumer.  On March 12, 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, on June 6, 2014, [redacted] Communications made a credit adjustment in the amount of $71.48, making the new balance owed $83.83.  Additionally, on March 18, 2018, [redacted] Communications made an additional credit adjust to the account in the amount of $61.18, making the new balance owed $22.65.  [redacted] Communications address is 6205-B Peachtree Dunwoody Road, Atlanta, GA 30328.  To address the consumer’s concern, Afni does not furnish, nor is Afni required to furnish, our agreement with [redacted] Communications granting us the authority to collect on a debt.  A signed contract is not always required to initiate [redacted] Communications services, as orders for services can be taken over the phone or via the internet, which are considered verbal and electronic signatures, respectively.  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.  Additionally, the consumer stated that he was due a refund from [redacted] Communications.  As previously stated, Afni has verified this debt with [redacted] Communications and sent the consumer a letter confirming said information.  However, this does not mean that the account is not due and owing, simply that Afni will not 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.  On November 30, 2016, [redacted] Mobility forwarded the subject account, [redacted] Mobility account #: [redacted], Afni, Inc. account #: [redacted], with Afni for collections on the...

balance of $921.03. The account is for cellular services established on April 27, 2013, until [redacted] Mobility considered the account delinquent on May 25, 2013.  The billing address associated with the account is [redacted], Springfield, IL 62704 and the phone numbers are [redacted] and [redacted].  Afni mailed the initial notice of the account to the consumer on March 24, 2017.  On May 7, 2017, Afni furnished the credit reporting agencies with notice of the account. On May 13, 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.  As a courtesy to the consumer, Afni has sent a request to the credit reporting agencies to remove the account from the consumer’s credit report. Afni trusts this response has addressed the consumer’s concerns, but if the consumer has no recollection of this account, he should contact AT&T’s Fraud Department at [redacted].