Afni

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On February 24, 2017, [redacted] forwarded the account, [redacted] account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $The account is for services which [redacted] considered the balance delinquent on November 22, The billing address associated with the account is [redacted] ***, [redacted] , [redacted] ***, which also the service address and the address the consumer listed on this complaint Afni mailed the initial notice of the account to the consumer on February 27, On March 7th, an Afni representative called the consumer to discuss the account During the call the consumer disputed the account In response, Afni ceased communication and initiated an investigation As a result of the investigation, Afni reached out to [redacted] Afni mailed a validation letter to [redacted] ***, [redacted] , [redacted] on March 13thAdditionally, that same day, Afni mailed the account billing statements to the consumer at the same address as validation on the account On April 30th, Afni updated the credit reporting agencies on the disputed status of the accountOn June 22, 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 concerns, the 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 As a courtesy to the consumer, Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit report However, this does not mean that the account is not due and owing, simply that Afni will no longer furnish the account to the credit reporting agencies Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if she would like to discuss the account, she may contact a Regulatory Specialist at [redacted]

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On May 24, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $ 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 December 7, The billing and service address associated with the account is [redacted] *** Afni mailed the initial notice of the account on May 30, On July 30, 2017, Afni furnished the credit reporting agencies with notice of the accountOn November 3, 2017, Afni received this complaint This was Afni’s first contact with the consumer In response, Afni ceased communication and initiated an investigationAfni has attached copies of the account billing statements to this response; these are provided as validation of the account To address the consumer’s concern, the subject account has not been purchased by Afni Afni received the account from [redacted] and acts as an agent on behalf of [redacted] Afni does not furnish, nor is Afni required to furnish, our agreement with [redacted] granting us the authority to collect on a debt A signed contract is not always required to initiate [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 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 does not have the ability to send updated credit reports to consumers Additionally, Afni does not furnish consumer information to Innovis 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]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 12040714, and find that this resolution is satisfactory to me.However, can you get a date that they requested the credit bureaus delete the account and how long that will take?

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On January 27, 2017, 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 telephone services established on April 1, 2010, until AT&T considered the account delinquent on August 25, The billing address associated with the account is [redacted] Summerville, SC 29485, and the phone number is ( [redacted] Afni mailed the initial notice of the account on January 30, 2017, to [redacted] ***, Charleston, SC 29414, which is the same address the consumer listed on the complaint Afni did not receive notice of returned mail, and as a result can infer that the initial notice of rights was received On March 19, 2017, Afni furnished the credit reporting agencies with notice of the account On September 28th and September 29th, Afni received disputes from the credit reporting agencies; while Afni has not responded yet, Afni will respond appropriately On October 1st, Afni updated the credit reporting agencies on the disputed status of the account On October 5, 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 AT&T and acts as an agent on behalf of AT&T; therefore, the consumer would not have a contract with Afni Additionally, as previously stated, Afni mailed the initial notice of the account on January 30, 2017, to [redacted] ***, Charleston, SC On October 8th, 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 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 March 20, 2017, Comcast forwarded the subject account, Comcast account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $ 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 January 17, The service and billing address associated with the account is Northwest 56th Street Apartment 206, Miami, FL Afni attempted to mail the initial notice of the account to the consumer on March 23, Afni received notice that the address was incorrect and did not receive an updated address On May 21, 2017, Afni furnished the credit reporting agencies with notice of the accountOn October 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; 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 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 Regulatory Specialist at [redacted]

This is in response to your Revdex.com complaint Afni appreciates the opportunity to respond to the claimant’s concerns On February 13, 2018, [redacted] Insurance forwarded the subject account, [redacted] Insurance account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for resolution on the balance of $2,The account is from an [redacted] which occurred on June 15, 2017, in a vehicle that the claimant, [redacted] ***, is listed as the driver The incident occurred when the claimant’s vehicle struck our insured’s vehicle in a parking lot The billing address associated with the account is [redacted] , Valpraiso, NE Afni mailed the initial notice of the account to the claimant on or about February 18, On February 21st, the claimant spoke to an Afni representative and stated that he was the driver of the vehicle that hit our insured’s vehicle and that the vehicle he was operating is covered under United States government who is self-insured However, when asked what company the claimant works for, the call became disconnected Later that same day, a representative from [redacted] called in and spoke to an Afni representative stating that the claimant would be calling back in with his insurance information On February 24th, Mr [redacted] called in and provided the contact information for the [redacted] Management Center for the US Government Once that contact information was provided Afni updated our file to contact the [redacted] Management Center and cease communication with Mr***On February 26, 2018, Afni received this complaint In response, Afni ceased communication and initiated an investigation To address the claimant’s concerns, the account has been referred to Afni’s Insurance Department, and they will be handling this claim directly with [redacted] Management Center for resolutionIf you have any further questions, Afni’s Insurance Department can be reached at (888) [redacted]

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concernsAfni is unable to verify if the consumer is the account using the information provided by the consumer in his complaintDue to this, Afni is requesting the consumer contact a Compliance Specialist at [redacted] , in order to assist Afni in determining if he is the account holderAfni looks forward to being able to assist the consumer in resolving his concerns in the future

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On November 23, 2016, [redacted] Mobility forwarded the subject account, [redacted] Mobility account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $The account is for cellular services established on January 21, 2012, until [redacted] Mobility considered the account delinquent on July 20, The billing address associated with the account is [redacted] Avenue, Darby, PA 19023, and the phone numbers are [redacted] , [redacted] , [redacted] , and [redacted] Afni mailed the initial notice of the account on or about January 17, On March 19, 2017, Afni furnished the credit reporting agencies with notice of the account Afni has responded to the consumer’s duplicate complaint filed through the CFPB on April 19, On April 20, 2018, Afni received this complaint In response, Afni ceased communication and initiated an investigation Afni has attached copies of the account billing statements to this response; these are provided as validation of the account To address the consumer’s concern, the subject account has not been purchased by Afni Afni received the account from [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 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 (866) 716-

Initial Business Response / [redacted] (1000, 5, 2015/11/25) */ This is in response to your Revdex.com inquiryAfni appreciates the opportunity to respond to the consumer's concernsOn July 13, 2015, Directv forwarded the subject account, Directv account #: XXXXXXXX, Afni Incaccount #: XXXXXXXXX-XX, with Afni for collections on the balance of $ 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 Afni mailed the initial notice of the account on July 15, That same day the consumer spoke to an Afni representative and stated that she was disputing the accountIn response, Afni ceased communication and initiated an investigationOn August 15, Afni sent the consumer verification of the accountOn August 16, Afni furnished the credit reporting agencies with notice of the disputed status of the accountBetween 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 complaintIn response, Afni ceased communication and initiated another investigationAfni has attached bill copies from the account as validationTo address the consumer's concerns regarding not being aware of this accountThe consumer spoke to an Afni representative on July 15, prior to Afni furnishing the account to the credit reporting agencies on August Afni will continue to cease communication on the accountThe consumer may contact a Consumer Relations Specialist at XXX-XXX-XXXX, if she would like to discuss the account further

Initial Business Response / [redacted] (1000, 10, 2015/11/27) */ This is in response to your Revdex.com inquiryAfni appreciates the opportunity to respond to the consumer's concernsOn October 14, 2013, [redacted] forwarded the subject account, [redacted] account #: [redacted] Afni Incaccount #: [redacted] , with Afni for collections on the balance of $1, The account is for cell phone services established on November 16, 2011, until [redacted] considered the account delinquent on December 17, 2012.The billing address associated with the account is [redacted] Colorado Springs, Colorado XXXXX, and the phone numbers are [redacted] Afni mailed the initial notice of the account on October 16, On December 1, Afni furnished the credit reporting agencies with notice of the accountOn April 1, 2014, Afni was notified that the account was included in a bankruptcyOn April 6, Afni furnished the credit reporting agencies with notice of the bankruptcy status of the accountOn August 24, 2015, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriatelyOn November 10, the consumer spoke to an Afni representative and stated that the account was showing as being included in a bankruptcy on her credit reportIn response, Afni sent another request to the credit reporting agencies to update the status of the account as being included in a bankruptcyOn November 11, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded to delete the account from the consumer's credit report On November 13, Afni received this complaintIn response, Afni initiated an investigationOn November 15, Afni sent a request to the credit reporting agencies to remove the account from the consumer's credit reportAfni has attached bill copies from the account for the consumer's referenceIn an effort to assist the consumer, Afni will send another request to the credit reporting agencies to remove the account from the consumer's credit reportAfni apologizes for any inconvenience this has caused the consumerAfni trusts this has resolved the consumer's concernsSince the account has been closed as being included in a bankruptcy, the consumer should contact [redacted] directly if she would like to discuss the account further Initial Consumer Rebuttal / [redacted] (2000, 12, 2015/12/01) */ (The consumer indicated he/she ACCEPTED the response from the business.) As long as they have reported this information to the credit reporting agencies I am fine

I am rejecting this response because: it does not belong to me

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 received a recent mailing to address [redacted] *Monroe, La

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

This is in response to your Revdex.com inquiry 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 accountOn January 7, 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***’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 [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 The consumer may also contact ***'s Fraud Department at [redacted] if they have any questions regarding the fraud process Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit report Please be aware that it can take the credit reporting agencies up to days to update consumer credit reports Afni has no control over how quickly the credit reporting agencies update consumer credit reports Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if she would like to discuss the account, she may contact a Regulatory Specialist at [redacted]

This is in response to your Revdex.com Rejection complaint ID [redacted] Afni appreciates the opportunity to respond to the consumer’s concerns This response covers two accounts; I will address them individuallyOn July 18, 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 May 26, 2016, until [redacted] considered the account delinquent on September 25, The billing address associated with the account is [redacted] , Chicago, IL 60609, and the phone numbers are [redacted] and [redacted] Afni mailed the initial notice of the account on July 21, 2017, to [redacted] , Hammond, IN 46324, and did not receive notice of returned mail On September 3, 2017, Afni furnished the credit reporting agencies with notice of the account On September 18th and September 22nd, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately On September 24, 2017, Afni updated the credit reporting agencies on the disputed status of the account On October 10th, Afni received a letter from the consumer disputing the account In response, Afni ceased communication and initiated an investigation On October 17th, Afni responded to the consumer’s duplicate complaint filed through the Revdex.com portal on October 11th Afni has attached the consumer’s [redacted] lease agreements with the consumer’s signature, thus, supplying Mr [redacted] with the verifiable account proof he is requestingOn June 27, 2016, [redacted] forwarded the account, [redacted] account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $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 August 22, The billing and service address associated with the account is [redacted] , Gary, IN Afni attempted to mail the initial notice of the account to the consumer on July 1, Afni received notice that the address was incorrect and did not receive an updated address On August 28, 2016, Afni furnished the credit reporting agencies with notice of the account Between September 18th and September 22, 2017, Afni received multiple disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately On September 24th, Afni updated the credit reporting agencies on the disputed status of the account On September 18th, Afni received a letter from the consumer disputing the account In response, Afni ceased communication and initiated an investigation Afni received subsequent letters from the consumer on October 4th and October 10th In response, Afni continued to cease communication and continued the investigation On October 17th, Afni responded to the consumer’s duplicate complaint filed through the Revdex.com portal on October 11thOn October 27, 2017, Afni received this rejection complaint In response, Afni continued to cease communication and initiated a new investigation Afni has attached copies of the account billing statements previously supplied to the consumer for both the [redacted] and [redacted] accounts to this response for the consumer’s reference To address the consumer’s concern, the [redacted] account has been updated as identity theft as Mr [redacted] denied knowledge of any service with [redacted] Afni encourages the consumer to visit [redacted] 's fraud website at [redacted] , which discusses the process and documentation needed for the fraud investigation Additionally, the consumer should contact [redacted] 's Identity Theft Department at [redacted] if he believes the account is not his or feels this is a case of identity theft The accounts have not been purchased by Afni Afni received the accounts from [redacted] and [redacted] , respectively, and acts as an agent on behalf of [redacted] and [redacted] ; therefore, the consumer would not have a contract with Afni To address the consumer’s concern, the [redacted] account was updated as identity theft as Mr [redacted] denied knowledge of any service with [redacted] A [redacted] Fraud Affidavit is attached for completion by Mr [redacted] Afni encourages Mr [redacted] to complete and return the Fraud Affidavit to: [redacted] Fraud Management, OCA Dispute, KSOPHE0202-2C516, [redacted] Parkway, Overland Park, KS for investigation Placing a fraud alert with the credit reporting agencies is a suggestion and not required to investigate a fraud claim Mr [redacted] may also contact [redacted] 's Fraud Department directly if he has any questions regarding the fraud process at (888) 788- As the consumer has requested, Afni will no longer contact the consumer about these accounts On October 15, 2017, Afni sent a request to the credit reporting agencies to remove the [redacted] 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 In regard to the [redacted] account, 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 and to meet our obligation with [redacted] , Afni’s policy is to furnish the accurate status only Once Mr [redacted] returns his fraud affidavit to [redacted] and the investigation has been completed, if appropriate, the credit reporting agencies will be notified of any updates at that time 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 August 14, 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 March 31, 2011, until [redacted] Communications considered the account delinquent on June 11, The service address associated with the account is [redacted] *, Tucson, AZ Afni mailed the initial notice of the account on August 17, Afni has not, and will not furnish the subject account to the credit reporting agencies On August 23, 2017, [redacted] Communications requested Afni to cease collections and return the account On August 28th, the consumer called an Afni representative to state that the account did not belong to him In response, Afni ceased communication and initiated an investigation On August 29, 2017, Afni received this complaint In response, Afni continued to cease communication and continued the investigationTo 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 Afni is no longer the collection agency handling the subject account Further questions regarding the account should be directed to [redacted] Communications

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concernsOn May 4, 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 September 3, 2015.The billing address associated with the account is [redacted] ***, and the service address is [redacted] ***Afni mailed the initial notice of the account on May 6, On June 5, Afni furnished the credit reporting agencies with notice of the accountOn December 16, Afni received a complaint from the ***, which Afni responded to on December On December 19, Afni received this complaintIn response, Afni continued to cease communication and continued the investigation of both complaintsOn December 20, Afni received a dispute from the credit reporting agencies, while Afni has not responded yet, Afni will respond appropriatelyOn December 25, Afni furnished the credit reporting agencies with notice of the disputed status of the accountAfni has attached bill copies from the account, as validationAfni will continue to cease communication on the accountThe consumer may contact a Compliance Specialist at [redacted] , 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 September 6, 2016, [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 December 12, 2012, until [redacted] considered the account delinquent on November 11, The billing address associated with the account is [redacted] ***, Fort Worth, TX 76112, 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 September 9, On October 23, 2016, Afni furnished the credit reporting agencies with notice of the account Between May 4th and July 12, 2017, Afni received multiple disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately On May 7th, Afni updated the credit reporting agencies on the disputed status of the account On August 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; these are provided as validation of the account To address the consumer’s concern, the state of Texas does not require a license to collect on a debt As the consumer has requested, Afni will no longer contact the consumer about this account Additionally, 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 onlyAfni 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: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 October 11, 2016, Sprint forwarded the account, Sprint account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $The account is for cellular services established on March 5, 2012, until Sprint considered the balance delinquent on September 4, The billing address associated with the account is [redacted] ***, PA and the phone number is 215-421- Afni mailed the initial notice of the account to the consumer on October 14, On November 27th, Afni furnished the credit reporting agencies with notice of the account Between April 21st through June 15th, Afni received multiple disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately On April 23rd, Afni updated the credit reporting agencies on the disputed status of the account On June 26, 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 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 Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit report However, this does not mean that the account is not due and owing, simply that Afni will no longer furnish the account to the credit reporting agencies Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if she would like to discuss the account, she may contact a Regulatory Specialist at [redacted]