Afni

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On June 19, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $1,The account is for cellular services established on September 17, 2015, until [redacted] considered the account delinquent on August 7, The billing address associated with the account is [redacted] ***, and the phone number is [redacted] Afni attempted to mail the initial notice of the account to the consumer on June 22, Afni received notice that the address was incorrect and did not receive an updated address On August 6, 2017, Afni furnished the credit reporting agencies with notice of the accountOn September 1, 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, 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 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 [redacted]

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On December 4, 2012, [redacted] forwarded the subject account, [redacted] account #: [redacted] , Afni, Incaccount #: [redacted] with Afni for collections on the balance of $The account is for services established on April 1, 2006, until [redacted] considered the account delinquent on May 17, The billing and service address associated with the account is [redacted] ***, Dallas, TX 75241, and the phone number is [redacted] Afni mailed the initial notice of the account on December 6, On January 20, 2013, Afni furnished the credit reporting agencies with notice of the account Between June 24, and August 16, 2017, Afni received fifteen disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately On June 26, 2016, Afni updated the credit reporting agencies on the disputed status of the accountOn October 17, 2016, 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 mailed a validation letter to the consumer on October 25thAdditionally, that same day, Afni mailed the account billing statements to the consumer as validation on the account Afni resent the same information to the consumer on November 10th On July 27, 2017, Afni received an additional letter from the consumer disputing the account In response, Afni ceased communication and initiated another investigation On August 18, 2017, Afni mailed verification of the account to the consumerOn September 7, 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] 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 to days to update consumer credit reports Afni has no control over how quickly the credit reporting agencies update consumer credit reports However, this does not mean that the account is not due and owing, simply that Afni will no longer furnish the account to the credit reporting agencies Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if he would like to discuss the account, he may contact a Regulatory Specialist at ( [redacted]

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On October 6, 2015, [redacted] forwarded the subject account, [redacted] account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $The account is for services established on July 1, 2003, until [redacted] considered the account delinquent on June 27, The service was active and the bills were paid for almost years The billing and service address associated with the account is [redacted] , Alamo, TX 78516, 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 on or about October 9, On November 22, 2015, Afni furnished the credit reporting agencies with notice of the account On September 19, 2017, [redacted] requested Afni to cease collections and return the account On September 24, 2017, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report On February 19, 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, Afni has had no communication with the consumer until receiving this complaint 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 ***

I am rejecting this response because: It is clear that this is a case of fraud but it is not incumbent upon me to prove this is fraudI would argue that it is your business and the burden of proof is upon Sprint to deal with the fact that this is not my signatureI will not sign your fraud document as it not appropriate for this situationPlease contact me if you have found any new information on this subject otherwise I will consider this matter closed

Initial Business Response / [redacted] (1000, 10, 2016/08/09) */ This is in response to your Revdex.com inquiryAfni appreciates the opportunity to respond to the consumer's concernsOn April 11, 2016, [redacted] forwarded the subject account, [redacted] account #: XXXXXXXXX, Afni Incaccount #: XXXXXXXXX-XX, with Afni for resolution on the balance of $ The account is from an accident which occurred on March 19, The details of the accident are that the consumer was driving a car which was involved in an accident and the consumer either was not covered by insurance or did not have insurance at the time of the accidentAfni mailed the initial notice of the account on May 5, On June 23, Afni received a letter from the consumer disputing the account On July 18, Afni received this complaintIn response, Afni ceased communication and initiated an investigationThat same day Afni received a letter from the consumer disputing the accountDuring the investigation Afni reached out to [redacted] for more information [redacted] provided Afni with the name of the owner of the vehicle that the consumer was driving, [redacted] Afni is attempting to make contact with Mr [redacted] regarding the accidentHowever, Afni is looking for assistance from Ms [redacted] , as Afni needs the insurance informationThe consumer may contact a representative at XXX-XXX-XXXX Initial Consumer Rebuttal / [redacted] (3000, 12, 2016/08/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) I initially asked for a written statement from [redacted] that shows proof of the incident and the amount owedUntil I receive this information, we can not proceedI need an official statement from the original consumer ( [redacted] ), not AfniI will not speak to a business that does not know the whereabouts of the incident

I am rejecting this response because: The [redacted] account was closed in good standing by myselfA [redacted] representative assisted me in closing the account and I paid any and all balances to close the account and switch to at&tThe information provided in the response from the collection agency is inaccurate The account was closed in and I find it hard to believe that it would of taken well over a year for an outstanding balance to show up at a collection agency [redacted] at no point may any contact after cancellation and I had to send back my old wireless phone at the time the account was closedAgain this account was closed by myself and no due to any negative balanceI am still requesting the debt be cleared and removed from my credit report

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 contingent upon it is REMOVED and DELETED from my credit reports immediately

I am rejecting this response because: AFNI continues to make inquiries on my credit report regarding this fraudulent account and I want all inquiries deleted from my credit report immediately

This is in response to your Revdex.com rejection Afni appreciates the opportunity to respond to the consumer’s concerns On November 10, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $The account is for services established on March 1, 2016, until [redacted] considered the account delinquent on May 10, The billing address associated with the account is [redacted] ***, and the phone number is [redacted] Afni mailed the initial notice of the account on or about November 13, On December 31, 2017, Afni furnished the credit reporting agencies with notice of the account Afni has responded to the consumer’s duplicate complaint filed through the Revdex.com on January 10thOn January 17, 2018, Afni received this Revdex.com rejection In response, Afni ceased communication and initiated another investigation To address the consumer’s concern, in Afni’s original response it was clearly stated that Afni would send a request to the credit reporting agencies to remove the account from the consumer’s credit report Afni has also attached the original response for the consumer’s reference As previously promised in the original response to the consumer, on January 14, 2018, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report Please be aware that it can take the credit reporting agencies up to days to update consumer credit reports Afni has no control over how quickly the credit reporting agencies update consumer credit reports Afni 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 12, 2014, [redacted] Mobility forwarded the subject account, [redacted] Mobility account #: [redacted] , Afni, Incaccount #: [redacted] -01, with Afni for collections on the balance of $2,The account is for cellular services established on June 3, 2008, until [redacted] Mobility considered the account delinquent on February 26, The billing address associated with the account is [redacted] , CA 95482, and the phone numbers are and Afni mailed the initial notice of the account on or about February 7, On March 29, 2015, Afni furnished the credit reporting agencies with notice of the accountOn 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 mailed the consumer the initial notice six weeks prior to furnishing the credit reporting agencies with notice of the account Afni has attached the consumer’s signed service agreement, or contract, for the consumer’s reference When a consumer submits a dispute through the credit reporting agencies, Afni responds directly to the credit reporting agencies Additionally, 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 Afni does not possess the authority to sell or transfer the debt as Afni does not own the debt 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 (866) [redacted]

I am rejecting this response because:I have already contacted the originally creditor [redacted] times to notify them that I was a victim of identity theft and that there were incorrect procedures done by their staff which caused me to be a victim and having an unauthorized account open in my name using my name,address and also ssn.This item needs to be immediatelyimmediately removed off of my credit report due to the fact it was not authorized by me.I will seek further protocol with a legal representative if this is not done asap and will seek a lawsuit

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On May 30, 2017, [redacted] Communications forwarded the subject account, [redacted] Communications account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $The account is for services established on October 30, 2009, until [redacted] Communications considered the account delinquent on June 10, The billing and service address associated with the account is [redacted] , Fairfax, VA Afni mailed the initial notice of the account on or about January 4, On February 18, 2018, Afni furnished the credit reporting agencies with notice of the accountOn February 26, 2018, Afni received this complaint This was Afni’s first contact with the consumer In response, Afni ceased communication and initiated an investigationAfni has validated the subject account with [redacted] Communications Per [redacted] Communications, the final bill dated June 12, 2013, was in the amount of $ However, [redacted] Communications made a credit adjustment on the account in the amount of $125.53, making the new balance owed $ [redacted] Communications address is [redacted] Road, Atlanta, GA To address the consumer’s concern, the subject account has not been purchased by Afni Afni received the account from [redacted] Communications and acts as an agent on behalf of [redacted] Communications 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 May 30, As previously stated, the date of delinquency on the account is June 10, Therefore, Afni has not re-aged the account In regard to the consumer's concerns about the age of the account, the statute of limitations applies to the legal remedy taken in a court of law Afni does not file suit on collection accounts On 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 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 concernsOn November 9, 2016, [redacted] forwarded the subject account, [redacted] account #: [redacted] , Afni Incaccount #: [redacted] , with Afni for collections on the balance of $ The account is for services, which [redacted] considered delinquent on April 17, 2015.The billing address associated with the account is [redacted] ***, [redacted] ***Afni mailed the initial notice of the account on November 11, On December 11, Afni furnished the credit reporting agencies with notice of the accountOn December 19, the consumer spoke to an Afni representative and stated he was disputing the accountIn response, Afni ceased communication and initiated an investigationOn December 19, Afni received a complaint from the ***In response, Afni continued to cease communication and continued the investigation On December 20, Afni received this complaintIn response, Afni continued to cease communication and continued the investigationOn December 25, Afni furnished the credit reporting agencies with notice of the disputed status of the accountAfni has made the business decision to cease collection activities on the account and return the account to [redacted] Afni will also send a request to the credit reporting agencies to remove the account from the consumer’s credit reportTo address the consumer’s concern, Afni did send the consumer the initial notice of the account on November The consumer should contact [redacted] directly if he would like to discuss the account further

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 12363734, and find that this resolution is satisfactory to me

Initial Business Response / [redacted] (1000, 5, 2015/08/20) */ This is in response to your Revdex.com inquiryAfni appreciates the opportunity to respond to the consumer's concernsOn July 28, 2015, [redacted] forwarded the subject account, [redacted] account #: XXXXXXXXXXXXXXXX, Afni Incaccount #: XXXXXXXXX-XX, with Afni for collections on the balance of $ The account is for satellite services established on May 14, 2011, until [redacted] considered the account delinquent on April 24, 2014.The billing address associated with the account is [redacted] Omaha, Nebraska XXXXXAfni mailed the initial notice of the account on July 30, On August 6, Afni received this complaintThis was Afni's first contact with the consumerIn response, Afni ceased communication and initiated an investigationAfni has attached bill copies from the account for the consumer's referenceAfni has also attached an I.Dtheft affidavit to aid the consumer in filing identity theft on the account, if she chooses to do soAfni has made the business decision to cease collection activities on the account and return the account to [redacted] Afni never furnished this account to the credit reporting agenciesThe consumer should contact [redacted] directly if she would like to discuss the account further

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 At the time that this account was open I was only years of age It’s likely that it was an account that my dad opened Which therefore makes me not responsible for that account I’ve seen that the account has been removed from my credit report And I just want to make sure and validate that it was removed permanently

Initial Business Response / [redacted] (1000, 5, 2015/06/30) */ This is in response to your Revdex.com inquiryAfni appreciates the opportunity to respond to the consumer's concernsOn April 16, 2015, [redacted] forwarded the subject account, [redacted] account #: XXXXXXXXX, Afni Incaccount #: XXXXXXXXX-XX with Afni for collections on the balance of The account is for television and internet services established on March 1, 2012, until [redacted] U-Verse considered the account delinquent on September 11, 2013.The billing address associated with the account is [redacted] Franklin [redacted] Ohio Afni mailed the initial notice of the account on April 18, On June 7, 2015, Afni furnished the credit reporting agencies with notice of the accountOn June 12, the consumer twice spoke to an Afni representative and attempted to negotiate a settlement on the account, however, no arrangement was able to be reached, as the call was disconnected before the details of the arrangement could be finalized On June 16, Afni received this complaintIn response, Afni ceased communication and initiated an investigationOn June 25, Afni received a complaint from the Illinois Attorney General's OfficeIn response, Afni continued to cease communication and continued the investigationTo address the consumer's concerns, it is Afni policy to not exchange payment of an account for removal of an account from a consumer's credit reportAfni simply updates the credit reporting agencies to reflect the current status of the accountAdditionally the representative that the consumer spoke to will receive coaching in order to eliminate the behavior from occurring againAfni mailed the initial notice of the account to the consumer on April 18, and began furnishing the subject account to the credit reporting agencies on June Afni continued to try to contact the consumer by mail and phone, but did not have any success until the consumer called an Afni representative on June Afni will continue to cease communication on the accountThe consumer may contact a Consumer Relations Specialist at 866-716-1284, if she would like to discuss the account further Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) THIS IS A BLATANT LIE!!! THE ONLY TRUTH IS THAT I CALLED TWICEI DID RECIEVE A LETTER IN JUNE, AND WAS TOLD THAT THE OFFER HAD EXPIREDI TRIED TO GET THE REDUCED RATE, BECAUSE SOME HOW THE LETTER DIDN'T GET TO ME UNTIL JUNETHE FIRST TIME I SPOKE TO A REPRESENTATIVE WHO OFFERED A HIGH SETTLEMENT, THE SECOND TIME I TRIED TO CALLED BACK I ASKED IF I WOULD RECEIVE A LETTER IN THE MAIL WITH THE NEW SETTLEMENT AND ASKED IF THEY HAD REPORTED THIS INFORMATION TO MY CREDIT REPORTAS YET, I HAVE NOT RECEIVED A LETTER FROM THIS COMPANYTHE LAST PERSON I SPOKE TO, I STATED THAT I WOULD MAKE THE PAYMENT ON JULY 16TH, THE REPRESENTATIVE SAID THIS WAS FINEI HAVE NOT RECEIVED A LETTER STATING THAT THIS ARRANGEMENT WAS ACCEPTEDNO ONE HUNG UPIF THIS IS THE CASE, SAVE THE TAPE FOR MY ATTORNEYTHE TRIGGER WAS THE SECOND TIME I CALLED AND ASKED IF THIS HAD BEEN REPORTED ON MY CREDIT REPORTTHEY SHOULD HAVE SENT A CERTIFIED LETTER OF THE FIRST ATTEMPT TO MAKE SURE THE OFFER WAS RECEIVED AND TO LET THE CONSUMER KNOW THAT THEY ARE COLLECTING A DEBT ON BEHALF OF SAID COMPANYMAIL GETS LOSTTHERE HAVE BEEN TIME WHEN MY MAIL HAS GONE TO SOMEONE ELSE'S ADDRESS OR VICE VERSAI WILL BE TAKING THIS UP WITH A HIGHER AUTHORITYTHIS BLEMISH IS A RUIN ON A PERSON'S CREDITI AM NOT DISPUTING THE DEBT, BUT THE ACTION AND NOT GIVEN ME TIME TO RECTIFY THIS SITUATION IS WHAT I AM DISPUTINGTHE FACT THAT THE AUTHOR IS LYING, MAKES ME NOT WANT TO DO ANY BUSINESS WITH THIS COMPANYNOTE: DON'T BE JUST A MEDIATORINVESTIGATE, GO AFTER THESE COMPANIES SO THESE SCAM TACTICS WILL STOPIF THEY HAVE PROOF FROM A CERTIFIED LETTER OR PHONE CALL, ASK THEM TO PROVIDE THATTHIS WAY THESE TACTICS WON'T CONTINUE AND THESE ISSUES CAN BE EASILY RESOLVED

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concernsOn July 13, 2013, AT&T forwarded the subject account, AT&T account #: [redacted] , Afni Incaccount #: [redacted] , with Afni for collections on the balance of $ The account is for services established on June 1, 2005, until AT&T considered the account delinquent on May 6, 2011.The phone number associated with the account is [redacted] Afni mailed the initial notice of the account on July 18, On September 1, Afni furnished the credit reporting agencies with notice of the account On December 26, Afni received this complaintThis was Afni’s first contact with the consumerIn response, Afni ceased communication and initiated an investigationOn January 1, Afni furnished the credit reporting agencies with notice of the disputed status of the accountAfni has made the business decision to cease collection activities on the account and return the account to AT&TAfni will also send a request to the credit reporting agencies to remove the account from the consumer’s credit reportAfni has attached a letter stating this request has been sent, for the consumer’s referenceThe consumer should contact AT&T directly if he would like to discuss the account further

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 12156516, and find that this resolution is satisfactory to me please send me a copy of this so I can keep it for my recordsthank you

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On December 2, 2016, [redacted] forwarded the subject account, [redacted] account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $The account is for cellular services established on July 8, 2013, until [redacted] considered the account delinquent on July 29, The billing address associated with the account is [redacted] , Compton, CA 90221, and the phone number is [redacted] Afni attempted to mail the initial notice of the account to the consumer on or about January 16, Afni received notice that the address was incorrect and did not receive an updated address until March 19, Afni mailed a new initial notice on the account on or about March 20, On March 19, 2017, Afni furnished the credit reporting agencies with notice of the accountOn April 13, 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 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 knowledge of any service with *** A fraud packet is attached for Ms [redacted] 's completion Afni encourages the consumer to return the Fraud Affidavit within days to [redacted] for investigation The completed affidavit can be faxed to [redacted] at (866) 761- 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 The consumer may also contact ***'s Fraud Department at (866) 718-if she has any questions regarding the fraud process On April 15, 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 trusts this response has addressed the consumer’s concerns, but if questions remain, or if she would like to discuss the account, she may contact a Consumer Relations Specialist at (866) 716-