Afni

I am rejecting this response because: I have submitted this Fraud Package along with the requested information several timesEach time the rep states that I need to send in additional informationThis account was open fraudulently and I have been more than fair with this companyAs you can see there were never any payments made on the account what so everI have provided pay stubs, bank statements, rental lease, as well as a photo copy of my identification for this to be removed from my credit reportThe last rep stated that it would be removed immediately and yet it still remains on my credit reportI refuse to send in anything elseThis needs to be removed or *** needs to provide proof of me living at this addressBesides the bill that they haveThis is not proof that I live hereI want to see a signed contract or agreement that has my signature on itIf this was open online, I would like the IP address that was used to open this accountI would like to know what measures did this company use before allowing services to be operated at this location? Did the technician ask for a copy of identification? I have a number on my credit report that request that I be called before extending creditThis method was not usedSo therefore, I reject this statement

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On April 10, 2018, [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 8, 2014, until [redacted] Communications considered the account delinquent on August 31, The service address associated with the account is [redacted] Road, Parma, OH Afni has not, and will not furnish the subject account to the credit reporting agencies On April 24, 2048, Afni received this complaint This was Afni’s first contact with the consumer In response, Afni ceased communication and initiated an investigationTo address the consumer’s concern, Afni has had no communication with the consumer until receiving this complaint Additionally, as previously stated, Afni just received this account from [redacted] Communications on April 10, It is possible that the consumer has Afni confused with a different collection agency As the consumer has requested, Afni will no longer contact the consumer about this accountAfni made a business decision to cease collections and return the subject account to [redacted] Communications 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 December 8, 2014, [redacted] forwarded the subject account, [redacted] account #: [redacted] , Afni Incaccount #: [redacted] , with Afni for collections on the balance of $ The account is for satellite services established on March 31, 2010, until [redacted] considered the account delinquent on August 1, 2013.The billing address associated with the account is [redacted] Tallahassee, Florida Afni mailed the initial notice of the account on December 10, On January 11, 2015, Afni furnished the credit reporting agencies with notice of the accountOn February 5, the consumer spoke to an Afni representative and stated that he had paid the account to [redacted] the previous dayOn February 6, [redacted] notified Afni of a payment on the account in the amount of $306.61, which closed the account as paid in fullOn February 22, Afni furnished the credit reporting agencies with notice of the paid in full status of the accountOn November 14, 2016, the consumer spoke to an Afni representative and requested to have this removed from his credit reportOn November 16, Afni received a dispute from the credit reporting agencies, while Afni has not responded yet, Afni will respond appropriately Later that same day, Afni received this complaintIn response, Afni initiated an investigationIn an effort to assist the consumer, Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit reportSince the account has been paid in full, the consumer should contact [redacted] directly if he would like to discuss the account further

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concernsOn December 12, 2016, [redacted] forwarded the subject account, [redacted] account #: 7927702330326, Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $ The account is for services established on March 1, 2014, until [redacted] considered the account delinquent on June 8, The billing address associated with the account is [redacted] Road Southeast, Apartment ***, Marietta, GA and the phone number is [redacted] Afni mailed the initial notice of the account on December 15, On January 29th, Afni furnished the credit reporting agencies with notice of the account On February 7th, Afni received a letter from the consumer disputing the account, requesting Afni cease communication and requesting validation on the account In response, Afni ceased communication and initiated an investigation As a result of the investigation, Afni re [redacted] out to ***Afni mailed a validation letter and the account billing statements to [redacted] Apartment ***, Dallas, TX 75287-on February 16th, as validation on the account On February 20th, Afni received an indirect dispute from the credit reporting agencies reviewed all relevant information and responded appropriatelyOn March 1, 20147, Afni received this complaint In response, Afni continued to cease communication per the consumer’s request and initiated another investigation To address the consumer’s concerns, upon receipt of the consumer’s dispute, Afni conducted an investigation and confirmed that the account information was correct according to *** The information was provided in the form of bill copies from *** Afni has [redacted] copies of billing statements for the consumer’s reference Additionally, Afni has requested all credit reporting information to be removed Afni made a business decision to cease collections and return the subject account to *** Further questions regarding the account should be directed to ***

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concernsOn March 11, 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 established on January 11, 2014, until [redacted] considered the account delinquent on October 11, 2014.The billing address associated with the account is [redacted] ***, and the phone number is [redacted] Afni mailed the initial notice of the account on March 13, On May 1, Afni furnished the credit reporting agencies with notice of the accountOn June 17, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriatelyOn June 19, Afni furnished the credit reporting agencies with notice of the disputed status of the accountOn July 7, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriatelyOn August 9, the consumer spoke to an Afni representative and attempted to reach a settlement on the account, but a settlement could not be agreed uponOn September 27, the consumer spoke to an Afni representative and agreed to a payment arrangementOn September 28, the consumer spoke to an Afni representative to request how to make the payment via Afni’s websiteLater that same day, the consumer made a payment of $via Afni’s website, which closed the account as settled in fullOn October 3, the consumer spoke to an Afni representative and requested the account be removed from his credit report since he had paid the accountThe consumer was advised it is Afni policy to not trade payment of an account in exchange for deletion of an account from a consumer’s credit reportOn October 23, Afni furnished the credit reporting agencies with notice of the settled in full status of the accountOn October 26, the consumer spoke to an Afni representative and requested the account be removed from his credit report since he had paid the accountThe consumer was advised it is Afni policy to not trade payment of an account in exchange for deletion of an account from a consumer’s credit reportOn October 27, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriatelyOn December 29, the consumer spoke to an Afni representative and requested the account be removed from his credit report since he had paid the accountThe consumer was advised it is Afni policy to not trade payment of an account in exchange for deletion of an account from a consumer’s credit reportOn January 5, 2017, Afni received an email from the consumer requesting the account be deleted from his credit report since he had paid itThe consumer was advised that it is Afni policy to not trade payment of an account in exchange for deletion of an account from a consumer’s credit reportOn January 6, the consumer spoke to an Afni representative and requested the account be removed from his credit report since he had paid the accountThe consumer was advised it is Afni policy to not trade payment of an account in exchange for deletion of an account from a consumer’s credit report Later that same day, Afni received this complaintIn response, Afni initiated an investigationOn January 9, January 11, and January 12, the consumer spoke to an Afni representative and was advised that Afni was investigating his complaintOn January 12, Afni received an email from the consumer requesting a credit deletionIn an effort to assist the consumer, on January 12, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit reportAfni has attached a letter stating this, for the consumer’s referenceAfni has attached bill copies from the account, as validationAfni trusts this has resolved the consumer’s concernsSince the account has been settled in full, the consumer should contact [redacted] directly if he would like to discuss the account further

Initial Business Response / [redacted] (1000, 5, 2016/06/01) */ This is in response to your Revdex.com inquiryAfni appreciates the opportunity to respond to the consumer's concernsOn January 6, 2016, AT&T U-Verse forwarded the subject account, [redacted] account #: XXXXXXXXX, Afni Incaccount #: XXXXXXXXX-XX, with Afni for collections on the balance of $ The account is for services established on July 1, 2011, until [redacted] considered the account delinquent on July 26, 2014.The billing address associated with the account is XXXXX [redacted] XXXXXAfni mailed the initial notice of the account on January 8, On February 28, Afni furnished the credit reporting agencies with notice of the accountOn March 4, the consumer spoke to an Afni representative and agreed to a payment arrangementOn May 10, a payment was made on the account in the amount of $50.00, leaving the account with a balance of $On March 11, the consumer spoke to an Afni representativeOn March 13, Afni furnished the credit reporting agencies with notice of the balance of the accountOn March 15, March 22, April 6, April 18, April 20, and May 3, the consumer spoke to an Afni representative to adjust the dates of her payment arrangementOn May 16, the consumer spoke to an Afni representative, requested to cancel her payment arrangement, which was done, and disputed the accountIn response, Afni ceased communication and initiated an investigation On May 18, Afni received this complaintIn response, Afni continued to cease communication and continued the investigationOn May 29, Afni furnished the credit reporting agencies with notice of the disputed status of the accountAfni has attached the final bill copy from the account, as validationTo address the consumer's concern regarding [redacted] not having a balance for her, it could be that the representative that she spoke to did not have access to delinquent accounts, however Afni cannot confirm thisTo address the consumer's concern regarding another collection agency handling the account, Afni confirmed during the investigation with [redacted] that Afni is the only collection agency handling this account currentlyTo address the consumer's concern regarding the representative that she spoke to at AfniThat representative has received coaching to ensure that the behavior does not occur againAfni apologizes for any inconvenience this has caused the consumerAfni will continue to cease communication on the accountThe consumer may contact a Compliance Specialist at XXX-XXX-XXXX, if she would like to discuss the account further Initial Consumer Rebuttal / [redacted] (3000, 7, 2016/06/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) A company by the name of Diversifised collections inc ( DCI) is handling an ATT account with a similar balanceI understand the charges I'm responsible for, however, I don't understand how or why companies would have the same account

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, 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 uponThe account is for satellite services which Comcast considered the account delinquent on June 5, 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, On August 13, 2017, Afni furnished the credit reporting agencies with notice of the accountOn 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 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]

I am rejecting this response because: AFNI INCis claiming I owe them (AFNI INC.) a debt with no valid proof of contract (meeting of the minds) or any other documentatioin between I and them (AFNI INC.) A [redacted] "BILL" is not proof what-so-ever that I owe AFNI INCor have an alledged debt with AFNI INC

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution to remove this past due account to my credit reports is satisfactory to me.On December 14, around 9:in the morning, I received a call from [redacted] in an attempt to collect an unpaid debt from *** I told the customer representative that im disputing this debt and further explained that I have disputed this directly to [redacted] in the past, sending disputing letter 2x to their dispute center, called [redacted] several times to follow-up, only to be told they will look more into the account and they'll get back to me but they never did The representative clearly said, I CAN DISPUTE YOUR ACCOUNT AND I'LL MARK IT DISPUTED, WHICH WILL UPDATE THE STATUS WITH THE CREDIT BUREAUS....she further explained, I CAN DISPUTE IT FOR YOU IN OUR OFFFICE, YOU HAVE TO SEND IN YOUR DISPUTE IN WRITTING, YOU CAN EITHER MAIL IT OR EMAIL IT, WE'LL DO OUR OWN INVESTATION ALSO She confirmed my mailing address, EMAIL ADDRESS and phone number to reach me at She then ask me if I can write down their info, and started saying RECOVERY TEAM..., I further added, can you just email me this information so I wont forget She said, WITHIN HOURS, AN EMAIL WILL BE SENT TO YOU REQUESTING AUTHORIZATION...WE'LL SEND YOU AN EMAIL,YOU HAVE TO AUTHORIZE US TO DO FURTHER COMMUNICATION, ALL OUR INFO SHOULD BE ON THAT EMAIL AS WELL I replied, ok I think that should be enough, she concluded, OK, BUT YOU HAVE TO AUTHORIZE US TO SEND YOU FURTHER EMAILS OK, I said OK and she said in closing, ILL MARK THIS ON MY END I was also advised at the begining of the conversation that the phone call was recorded, which should confirm this conversation.After that phone conversation, I didnt receive any MAIL communications from AFNI, I wasnt expecting any because I was waiting for a request for authorization from RECOVERY TEAM, which I thought is the name of the collection agency, it was the only name I remember from the phone conversation The only email I got was an from EXPERIAN that there's a potentially negative impact on my report, and when I checked it out that its from AFNI, I dont remember the name and disputed it without knowing which account it was I called experian on January 23rd and they explained it was a debt from AT&T, which reminded me of my conversation with "recovery team" As a consumer, I felt betrayed after my phone conversation with Experian that recovery team (AFNI) has reported this debt on my credit report when afni repeatedly said they can dispute this for me from their office which should update the status with credit bureaus I spent worki,ng hours talking to these representatives, doing my research when it should have all been avoided after that one phone conversation with AFNI.I expect that AFNI will follow-through their word this time that THEY WILL REMOVE THIS UNPAID COLLECTION FROM MY CREDIT REPORT, I will again reach out to [redacted] and force them to look into this account I that ive repeatedly disputed

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concernsOn September 6, 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 established on October 22, 2015, until [redacted] considered the account delinquent on January 2, 2016.The billing address associated with the account is [redacted] ***Afni mailed the initial notice of the account on September 8, On October 9, Afni furnished the credit reporting agencies with notice of the account On October 31, Afni received this complaintThis was Afni’s first contact with the consumerIn response, Afni ceased communication and initiated an investigationOn November 6, Afni furnished the credit reporting agencies with notice of the disputed status of the accountAfni has attached bill copies from the account as validationIn an effort to assist the consumer, Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit reportAfni has attached a letter stating this, for the consumer’s referenceHowever, this does not mean that the account is not still due and owingIt simply means that Afni has made the decision to no longer furnish the account to the credit reporting agenciesAfni will continue to cease communication on the accountThe consumer may contact a Compliance Specialist at [redacted] , if he would like to discuss the account furtherTell us why here

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concernsOn 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 services established on May 6, 2015, until [redacted] considered the account delinquent on August 13, 2015.The billing address associated with the account is [redacted] Hartford, Connecticut 06114, and the phone numbers are [redacted] and [redacted] Afni mailed the initial notice of the account on September 9, On October 23, Afni furnished the credit reporting agencies with notice of the account On January 13, 2017, 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, as validationTo address the consumer’s concern, Afni mailed the initial notice of the account September 9, 2016, to the consumer’s address listed on her complaintIn an effort to assist the consumer Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit reportHowever, this does not mean the account is not still due and owingIt simply means that Afni has made the decision to no longer furnish the account to the credit reporting agenciesAfni will continue to cease communication on the accountThe consumer may contact a Compliance Specialist at [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 December 27, 2016, [redacted] Mobility forwarded the subject account, [redacted] Mobility account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $1,The account is for cellular services established on January 26, 2010, until [redacted] Mobility considered the account delinquent on June 26, The billing address associated with the account is [redacted] , Franklin, VA 23851, and the phone numbers are [redacted] and [redacted] Afni mailed the initial notice of the account on or about January 28, On March 19, 2017, Afni furnished the credit reporting agencies with notice of the accountOn March 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 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 ( [redacted]

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On August 30, 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 March 4, 2016, until [redacted] considered the account delinquent on November 2, The billing address associated with the account is [redacted] , Richmond, VA 23222, and the phone numbers are [redacted] and [redacted] Afni mailed the initial notice of the account on September 4, On October 15, 2017, Afni furnished the credit reporting agencies with notice of the account On October 19th, Afni received a dispute from the credit reporting agencies; while Afni has not responded yet, Afni will respond appropriately On October 22nd, Afni updated the credit reporting agencies on the disputed status of the accountOn October 23, 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 AfniAfni 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 understands that the consumer is seeking removal of this tradeline from their credit report; however, to remain in good standing with the credit reporting agencies, Afni’s policy is to furnish the accurate status only Afni trusts this response has addressed the consumer’s concerns, 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 December 18, 2014, [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 mobile phone services established on September 3, 2010, until [redacted] Mobility considered the account delinquent on October 28, The phone number is [redacted] Afni mailed the initial notice of the account on February 6, On March 29, 2015, Afni furnished information to the credit reporting agencies regarding the account On September 9, 2016, Afni received a dispute from the credit reporting agencies, reviewed all relevant information and responded appropriately On September 11, Afni furnished the credit reporting agencies with notice of the disputed status of the account On December and December 19, Afni received two disputes from the credit reporting agencies, reviewed all relevant information and responded appropriately On February 1, 2017, Afni received this complaint This was Afni’s first contact with the consumer In response, Afni ceased communication and initiated an investigation To address the consumer’s concerns, Afni reviewed the claims of bankruptcy upon receipt of the disputes from the credit reporting agenciesAfni has not refused to include this account; it appears from our research that this account has not been included in MsPrice’s bankruptcyHer bankruptcy was filed on April 1, 2011, and discharged on August 15, This account did not become delinquent until October 28, 2011, two months after the bankruptcy was finalized Additionally, the account was used post discharge, the account was used the entire month of November Regardless, Afni has made a business decision to cease collection activities on the account and return the account to [redacted] MobilityAfni also requested all credit reporting information to be removed from the consumer’s credit report Documentation of the account is attached for the consumer’s reference The consumer should contact [redacted] Mobility directly if she would like to discuss the account further

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On June 23, 2015, [redacted] forwarded the account, [redacted] account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $The account is for services established on July 1, 2012, until [redacted] considered the balance delinquent on January 20, The phone number associated with the account is (321) 631- Afni attempted to mail the initial notice of the account to the consumer on June 25, Afni received notice that the address was incorrect and did not receive an updated address On May 9th, Afni furnished the credit reporting agencies with notice of the account On December 22, 2015, [redacted] requested Afni to cease collections and return the accountOn December 27th, Afni requested all credit reporting information to be removedOn June 6, 2017, Afni received this complaint This was Afni’s first contact with the consumer In response, Afni ceased communication and initiated an investigation To address the consumer’s concerns, the account has not been purchased by AfniAfni received the account from [redacted] and acts as an agent on behalf of ***; therefore the consumer would not have a contract with Afni On June 6th, Afni again requested all credit reporting information to be removed from the consumer’s account Afni has attached a letter confirming this action took place Afni is no longer the collection agency handling the subject account Further questions regarding the account should be directed to ***

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] forwarded the account, [redacted] account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $The account is for cellular services established on May 24, 2012, until [redacted] considered the balance delinquent on June 16, 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 January 24, Afni received notice that the address was incorrect and did not receive an updated address until April 8thAfni mailed a new initial notice on the account on April 9th On March 19th, Afni furnished the credit reporting agencies with notice of the account On March 22nd, the consumer spoke to an Afni representative and disputed the account In response, Afni ceased communication and initiated an investigation On March 23rd, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately On March 26th, Afni updated the credit reporting agencies on the disputed status of the account On June 30, 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 On July 2nd, 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]

Initial Business Response / [redacted] (1000, 5, 2015/12/29) */ This is in response to your Revdex.com inquiryAfni appreciates the opportunity to respond to the consumer's concernsOn October 8, 2015, [redacted] forwarded the subject account, [redacted] account #: XXXXXXXXX, Afni Incaccount # [redacted] 9-01, with Afni for collections on the balance of $ The account is for services established on November 1, 2013, until [redacted] considered the account delinquent on December 20, 2013.The billing address associated with the account is [redacted] Fishers, Indiana XXXXXAfni mailed the initial notice of the account on October 10, On November 29, Afni furnished the credit reporting agencies with notice of the accountOn December 4, the consumer spoke to an Afni representativeLater that same day, Afni received an email from the consumer requesting that she pay a settlement on the account in exchange for deletion of the account from her credit reportAfni replied to the consumer that it is Afni policy to not trade payment of an account for deletion of an account from a consumer's credit reportOn December 9, and December 11, Afni received disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriatelyOn December 13, Afni furnished the credit reporting agencies with notice of the disputed status of the accountOn December 13, 14, and Afni received emails from the consumer requesting payment of the account in exchange for deletion of the account and an email stating that the consumer's husband had opened the account in her name without her permissionIn response, Afni ceased communication and initiated an investigation On December 16, Afni received this complaintIn response, Afni continued to cease communication and continued the investigationOn December 21, Afni received a letter claiming that the account is the result of identity theft from the consumerIn response, Afni continued to cease communication and continued the investigationOn December 28, [redacted] informed Afni of a payment on the account in the amount of $402.11, which closed the account as paid in fullAfni 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 soTo address the consumer's concerns, the consumer did not claim identity theft on the account until December via emailAt that point in time Afni ceased communication and initiated an investigationAfni received this complaint on December 16, two days laterDue to the short time frame, Afni was still in the process of investigating the consumer's accountIn an effort to assist the consumer, Afni will send a request to the credit reporting agencies to remove the account from the consumer's credit reportThe consumer should contact [redacted] directly if she would like to discuss the account further Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/12/30) */ (The consumer indicated he/she ACCEPTED the response from the business.) Afni is not being transparent about the reason that they are deleting the account but at the end of the day as long as it is promptly removed from my credit reports that is all that matters

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On August 4, 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 June 14, 2014, until [redacted] Communications considered the account delinquent on March 22, The service address associated with the account is [redacted] Apartment B, Warner Robbins, GA Afni mailed the initial notice of the account on or about August 8, On December 10, 2017, Afni furnished the credit reporting agencies with notice of the account On March 20, 2018, the consumer called in and spoke to an Afni representative to inquire about payment for deletion The Afni representative responded that Afni does not trade payment for deletion The consumer stated her credit counselor told her not to pay the debt if Afni would not delete from her credit report; however, the call then became disconnectedOn March 22, 2018, Afni received this complaint In response, Afni ceased communication and initiated an investigationAfni has validated the subject account with [redacted] Communications Per [redacted] Communications, the original statement beginning balance was $ On February 26, 2016, [redacted] Communications made a credit on the account in the amount of $133.15, making the new balance owed $ That same day a debit was made on the account in the amount of $7.83, bringing the total balance owed to $ [redacted] Communications address is [redacted] ***, 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; therefore, the consumer would not have a contract with Afni 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 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 This response covers three accounts; they will be addressed individually On November 10, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted] , Afni, Inc account #: [redacted] , with Afni for collections on the balance of $ The account is for satellite services established on March 18, 2016, until [redacted] considered the account delinquent on October 15, The billing address associated with the account is [redacted] , Detroit, MI Afni mailed the initial notice of the account on or about November 12, On December 31, 2017, Afni furnished the credit reporting agencies with notice of the accountOn December 8, 2015, [redacted] forwarded the account, [redacted] account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $ The account is for satellite services which [redacted] considered the account delinquent on December 20, The billing address associated with the account is 1st Street Apartment 1214, Detroit, MI Afni mailed the initial notice of the account on or about January 2, Afni has not, and will not furnish the subject account to the credit reporting agenciesOn January 18, 2018, [redacted] forwarded the account, [redacted] account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $ The account is for satellite services which [redacted] considered the account delinquent on February 11, The billing address associated with the account is [redacted] ***, New Baltimore, MI Afni attempted to mail the initial notice of the account to the consumer on or about January 21, Afni received notice that the address was incorrect and did not receive an updated address until March 26, Afni mailed a new initial notice on the account on or about March 27, On March 25, 2018, Afni furnished the credit reporting agencies with notice of the accountOn March 26, 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 for all three accounts; these are provided as validation of the accounts To address the consumer’s concern, 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 Afni will send a request to the credit reporting agencies to remove [redacted] account #: [redacted] , Afni, Incaccount #: [redacted] and [redacted] account #: [redacted] , Afni, Incaccount #: [redacted] , 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 accounts are not due and owing, simply that Afni will no longer furnish the accounts 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 June 23, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $The account is for satellite services which [redacted] considered the account delinquent on October 6, The billing and service address associated with the account is [redacted] ***, Lithonia, GA Afni mailed the initial notice of the account on June 26, On August 28, 2017, Afni furnished the credit reporting agencies with notice of the accountOn September 12, 2017, Afni received this complaint This was Afni’s first contact with the consumerIn 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] and acts as an agent on behalf of [redacted] ; therefore, the consumer would not have a contract with Afni On September 14th, 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 she would like to discuss the account, she may contact a Regulatory Specialist at ( [redacted]