Afni

This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On August 24, 2016, [redacted] forwarded the subject account, [redacted] account #: [redacted] , Afni Inc. account #: [redacted] , with Afni for collections on the balance of $1,027.15.... The account is for services established on June 24, 2015, until [redacted] considered the account delinquent on August 17, 2015.The billing address associated with the account is 1015 West 59th Street Apt 2A Chicago, Illinois 60621, and the phone numbers are [redacted] and [redacted] . Afni mailed the initial notice of the account on August 27, 2016. On October 9, Afni furnished the credit reporting agencies with notice of the account. On November 10, Afni received a letter from the consumer disputing the account. In response, Afni ceased communication and initiated an investigation. On November 14, Afni sent the consumer verification of the account. On December 28, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately. On January 19, 2017, Afni received this complaint. In response, Afni ceased communication and initiated another investigation. Afni has attached bill copies and the contract from service, as validation. To address the consumer’s concern, Afni received the consumer’s letter disputing the account on November 10, 2016, and responded four days later on November 14, with bill copies as validation. In 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 report. However, this does not mean that the account is not still due and owing. It simply means that Afni has made the decision to no longer furnish the account to the credit reporting agencies. Afni will continue to cease communication on the account. The 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 November 23, 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 January 28, 2006, until [redacted] considered the account delinquent on December 30, The billing address associated with the account is [redacted] ***, Monroe, CT 06468, which is the same address the consumer listed on this complaint, and the phone numbers are [redacted] , [redacted] and [redacted] Afni mailed the initial notice of the account on January 18, 2017, to [redacted] ***, Monroe, CT 06468, which is the same address the consumer listed on her complaint On April 9, 2017, Afni furnished the credit reporting agencies with notice of the account On April 13th, the consumer called in to speak to an Afni representative along with a third party The Afni representative was able to confirm the consumer’s name, however she refused to verify her address when requested, and the call endedOn April 17, 2017, Afni received this complaint In response, Afni ceased communication and initiated an investigation Afni has attached copies of the account billing statements to this response; these are provided as validation of the account In regard to the consumer’s concerns regarding allegations about Afni on the internet, be assured that Afni takes every consumer complaint and dispute seriouslyAfni investigates each account thoroughly and, if applicable, offers the consumer validation of the account in a timely mannerAfni is aware that some websites portray Afni’s reputation in a negative way; however, Afni does not respond to consumer inquiries made in public forums in order to protect the privacy of consumers As a courtesy to the consumer, Afni has sent a request to the credit reporting agencies to remove the account from the consumer’s credit report However, this does not mean that the account is not due and owing, simply that Afni will no longer furnish the account 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 July 5, 2016, Dish Network forwarded the account, Dish Network account #: [redacted] , Afni, Incaccount #: [redacted] ***, with Afni for collections on the balance of $The account is for satellite service established on August 11, 2012, until Dish Network considered the balance delinquent on October 30, The billing address associated with the account is [redacted] ***, Phenix City, AL Afni mailed the initial notice of the account to the consumer on July 7th On August 7th, Afni furnished the credit reporting agencies with notice of the account On February 2, 2017, the consumer called an Afni representative to set a payment arrangement to settle the account in full for $ On February 7th, requested Afni to cease collections and return the account as it had been settled in full On February 12th, Afni updated the credit reporting agencies on the Settled in Full status of the accountOn August 2, 2017, Afni received this complaint In response, Afni continued to cease communication and continued the investigation Afni has attached copies of the account billing statements to this response for the consumer’s reference To address the consumer’s concerns, the account has not been purchased by Afni Afni received the account from Dish Network and acts as an agent on behalf of Dish Network; therefore the consumer would not have a contract with Afni Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit report Please be aware that it can take the credit reporting agencies anywhere from 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 Dish Network

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On May 30, 20107, [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 which [redacted] Communications considered the account delinquent on October 16, The service address associated with the account is 20th Street Apartment 46, Gretna, LA Afni mailed the initial notice of the account on July 11, On August 13, 2017, Afni furnished the credit reporting agencies with notice of the accountOn August 18, 2017, 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, on August 20, 2017, 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 reportsAfni 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 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 February 16, 2012, until [redacted] Communications considered the account delinquent on February 20, The service address associated with the account is [redacted] *, Viej Sahuarita, AZ Afni mailed the initial notice of the account on or about August 17, On December 10, 2017, Afni furnished the credit reporting agencies with the disputed status of the accountOn January 4, 2018, Afni received this complaint In response, Afni ceased communication and initiated an investigationTo address the consumer’s concern, the account was updated as identity theft as Ms [redacted] denied knowledge of any service with [redacted] Communications Placing a fraud alert with the credit reporting agencies is a suggestion and not required to investigate a fraud claim An FTC fraud affidavit will be sent to the address on file; however, one is included for Ms [redacted] for completion This document and any supporting documents should be completed and returned directly to [redacted] Communications A notary signature and a copy of a police report are required As of now, your claim of fraud will cease all collections by Afni on this account If any information has been reported to the credit reporting agencies, it will be requested to be removed Please contact [redacted] Customer Support at [redacted] 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 Due to the allegations by the consumer that the Afni representative was rude, Afni reviewed the call in question The Afni representative did state, “this is not an English class, this is a debt collection agency.” However, the Afni representative did not display any anger on the call, but used a poor choice of words in an attempt to explain the situation Afni apologizes for any inconvenience this may have caused the consumer, and appreciates the opportunity to resolve this matter Additionally, Afni has addressed the situation with the representative that the consumer spoke with and apologizes for the negative experience that she had Afni 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

I am rejecting this response because: I am rejecting this response because: the verbiage in the letter states that the balance is still owedThe way the letter reads it states that AFNI is not a debt purchaser they are just a collector for the original creditor [redacted] This debt has is not owed to [redacted] to be collected by AFNIThe debt or bill sent to me recently is not a valid debtIt has been disputed several times and the last customer service representative I spoke to advised that my account was closed with a zero balanceI request to resolve this matter that my file is closed, not put in disputeThe balance is zeroI agree with you terminating call collections activitiesI agree also that AFNI request the credit bureaus to delete their trade line from my credit bureau fileFair Debt Collection practices Act, allows me to defend myself against predatory collectors by contacting the consumer protection agency

I am rejecting this response because:Because I never lived at the address statedI never lived in OklahomaI keep asking for proofThis is definitely a SCAM!

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On December 14, 2016, [redacted] Mobility forwarded the subject account, [redacted] Mobility account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $The account is for services established on May 10, 2012, until [redacted] Mobility considered the account delinquent on January 13, The billing address associated with the account is [redacted] ***, Greenville, NC and the phone number is [redacted] Afni mailed the initial notice of the account on January 17, On April 9, Afni furnished the credit reporting agencies with notice of the account On April 24, 2017, Afni received this complaint This was Afni’s first contact with the consumer In response, Afni ceased communication and initiated an investigation Afni has attached copies of the account billing statements to this response for the consumer’s reference With regard to the consumer’s statement that Afni has re-aged the accountAfni 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 dateHowever, the age of obsolescence for credit reporting is determined by the date of delinquency furnished to the credit reporting agenciesWhen Afni furnished information the accounts, it furnished the date of delinquency as December 14, Therefore, Afni has not re-aged the account Additionally, this complaint was Afni’s first communication with the consumer; Afni did not place any silent calls to the consumer As a courtesy to the consumer, Afni has sent a request to the credit reporting agencies to remove the account from the consumer’s credit report On April 28, 2017, [redacted] Mobility requested Afni to cease collections and return the account Afni is no longer the collection agency handling the subject account Further questions regarding the account should be directed to [redacted] Mobility

This is in response to your BBB inquiry. Afni appreciates the opportunity to respond to the consumer’s concerns. On June 21, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted] , Afni, Inc. account #: [redacted] , with Afni for collections on the balance of... $164.48. 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 April 6, 2015. The billing address associated with the account is [redacted] Statham, GA 30666. Afni mailed the initial notice of the account on or about June 23, 2017. On August 28, 2017, Afni furnished the credit reporting agencies with notice of the account. On March 6, 2018, the consumer paid $164.48 via Afni’s website to close the account as paid in full. On March 11th, Afni updated the credit reporting agencies on the paid in full status of the account. On April 3, 2018, Afni received this complaint. This was Afni’s first contact with the consumer. In response, Afni ceased communication and initiated an investigation. Afni has provided bill copies for the consumer's reference. To address the consumer’s concern, Afni’s standard operating procedure is to request removal of this account from the credit reporting agencies 365 days after the account is closed by Afni as paid or settled in full unless other deletion criteria, such as the 7 year age of obsolescence, occurs first. However, in an effort to assist the consumer, Afni has sent a request to the credit reporting agencies to remove the account from the consumer’s credit report and has also attached a letter confirming said action took place. The attached credit deletion letter should suffice to assist the consumer with any financing he may be pursuing until the credit reporting agencies update his credit report. Please be aware that it can take the credit reporting agencies up to 60 days to update consumer credit reports. Afni has no control over how quickly the credit reporting agencies update consumer credit reports. As the account has been closed as paid in full, further inquiries should be directed to [redacted]

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On June 27, 2016, Comcast forwarded the account, Comcast account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $ The account is for services which Comcast considered the balance delinquent on October 14, The billing address associated with the account is [redacted] *st Court, Mobile, AL Afni attempted to mail the initial notice of the account to the consumer on June 30, Afni received notice that the address was incorrect and did not receive an updated address On August 28, Afni furnished the credit reporting agencies with notice of the accountOn June 23, 2017, Afni received this complaint Afni has had no communication with the consumer until receiving this complaint 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 On June 25, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report On June 27, Afni received a dispute from the credit reporting agencies; while Afni has not responded yet, Afni will respond appropriately However, this does not mean that the account is not due and owing, simply that Afni will no longer furnish the account to the credit reporting agencies Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if she would like to discuss the account, she may contact a Regulatory Specialist at (877) 859-

This is in response to your Revdex.com Rejection complaint ID 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 account On October 24th, Afni responded to the consumer’s duplicate complaint filed through the Revdex.com Portal on October 23rdOn October 26, 2017, Afni received this rejection complaint In response, Afni ceased communication and initiated a new investigation Per the consumer’s rejection complaint, Afni reached out to [redacted] for the lease agreement and retail installment contract that initiated Ms [redacted] ’s [redacted] service Afni has attached these documents to the response as proof of service on the debt 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 Due to this, Afni will not be removing this tradeline from the consumer’s credit report at this 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 18, 2016, [redacted] forwarded the subject account, [redacted] account #: 8220111104087350, Afni, Incaccount #: 060588629-01, with Afni for collections on the balance of $The account is for satellite services which [redacted] considered the account delinquent on August 6, The billing and service address associated with the account is [redacted] , Marietta, GA Afni mailed the initial notice of the account on August 21, On October 23rd, Afni furnished the credit reporting agencies with notice of the account On January 3, 2017, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately On January 8th, Afni updated the credit reporting agencies on the disputed status of the account On January 29th, Afni received a letter from the consumer disputing the account with a refusal to pay In response, Afni ceased communication and initiated an investigation As a result of the investigation, Afni mailed a validation letter to the consumer on February 1stAdditionally, that same day, Afni mailed the account billing statements to the consumer as validation on the account On August 16th, the consumer called in and spoke to an Afni representative and made a payment of $to close the account as paid in fullLater that same day on August 16, 2017, Afni received this complaint In response, Afni ceased communication and initiated an investigation Afni has provided bill copies for the consumer's reference To address the consumer’s concern, Afni 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 As the account is paid in full, further questions should be directed to [redacted] as Afni is no longer handling the account

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concernsOn February 15, 2016, [redacted] (Formerly ***) forwarded the subject account, [redacted] (Formerly ***) account #: [redacted] , Afni Incaccount #: [redacted] , with Afni for collections on the balance of $ The account is for services, which [redacted] (Formerly ***) considered delinquent on September 16, 2014.The billing address associated with the account is [redacted] ***Afni mailed the initial notice of the account on February 17, On February 29, the consumer spoke to an Afni representative and stated she was disputing the accountIn response, Afni ceased communication and initiated an investigationOn March 10, Afni received a letter from the consumer disputing the accountIn response, Afni continued to cease communication and continued the investigationOn March 21, Afni sent the consumer bill copies as validation of the accountLater that same day, [redacted] (Formerly ***) requested that Afni cease collection activities on the account and return the account to [redacted] (Formerly ***), which Afni didOn May 2, Afni received another letter from the consumer disputing the account On December 20, Afni received this complaintIn response, Afni initiated another investigationAfni has attached the bill copies previously sent to the consumer, for the consumer’s referenceTo address the consumer’s concern, Afni responded to her letter disputing the account with bill copies as validation, on March To address the consumer’s concern regarding Afni refusing to remove this account from her credit report, Afni has not and will not furnish the account to the credit reporting agenciesSince the account is no longer in Afni’s office, the consumer should contact [redacted] (Formerly ***) 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 Thank you so much for your helpI now have faith that there are resources that will help the vunerable consumer

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On August 25, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $The account is for cellular services established on November21, 2014, until [redacted] considered the account delinquent on July 22, The billing address associated with the account is [redacted] ***, Prattville, AL 36066, and the phone numbers are [redacted] and [redacted] Afni mailed the initial notice of the account on or about August 29, On October 15, 2017, Afni furnished the credit reporting agencies with notice of the account On February 2, 2018, the consumer called in and spoke to an Afni representative and agreed to a payment arrangement to settle the account in full for $ Later that same day, the consumer made a payment via Afni’s website in the amount of $to close the account as paid in fullOn March 22, 2013, Afni received this complaint In response, Afni ceased communication and initiated an investigation With regard to the consumer’s statement that Afni has re-aged the account Afni has furnished accurate information to the credit reporting agencies at all times The credit reporting agencies require Afni to furnish the date Afni received the account as the open date However, the age of obsolescence for credit reporting is determined by the date of delinquency furnished to the credit reporting agencies When Afni furnished information on the account, it furnished the open date as August 25, Therefore, Afni has not re-aged the account As previously stated, the date of delinquency on the account is July 22, 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 As the account is now paid in full, further inquiries should be directed to [redacted]

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

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

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns This response covers accounts, I will address them individuallyOn August 21, 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 January 20, 2015, until [redacted] considered the account delinquent on January 13, The billing address associated with the account is [redacted] , Waukegan, IL 60087, and the phone numbers are [redacted] , [redacted] , [redacted] , and [redacted] Afni mailed the initial notice of the account on or about August 24, On October 8, 2017, Afni furnished the credit reporting agencies with notice of the accountOn August 1, 2014, [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 June 1, 2008, until [redacted] considered the account delinquent on November 12, The service address associated with the account is [redacted] Apartment 301, Gurnee, IL Afni has not, and will not furnish the account to the credit reporting agenciesOn April 3, 2018, Afni received this complaint This was Afni’s first contact with the consumer In response, Afni ceased communication and initiated an investigation Afni has attached copies of the account billing statements for [redacted] account #: [redacted] , Afni, Incaccount #: [redacted] , to this response; these are provided as validation of the subject account To address the consumer’s concern, the accounts have not been purchased by Afni Afni received the accounts from [redacted] and [redacted] and acts as an agent on behalf of [redacted] and [redacted] ; therefore, the consumer would not have a contract with Afni Additionally, a signed contract is not always required to initiate [redacted] and [redacted] services, as orders for services can be taken over the phone or via the internet, which are considered verbal and electronic signatures, respectively Afni will send a request to the credit reporting agencies to remove [redacted] account #: [redacted] , Afni, 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 [redacted] account #: [redacted] , Afni, Incaccount #: [redacted] account to the credit reporting agencies Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if he would like to discuss the account, he may contact a Consumer Relations Specialist at [redacted]

This is in response to your Revdex.com Response Rejection Afni appreciates the opportunity to respond to the consumer’s concerns On November 20, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted] Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $The account is for satellite services established on July 5, until [redacted] considered the account delinquent on January 10, The billing and service address associated with the account is [redacted] ***, Chester, SC Afni mailed the initial notice of the account on or about November 22, On January 7, 2018, Afni furnished the credit reporting agencies with notice of the account Afni has responded to the consumer’s previous complaint filed through the Revdex.com on January 10thOn January 19, 2018, Afni received this rejection complaint In response, Afni ceased communication and initiated another investigation To address the consumer’s concern, on January 19th, Afni sent another request to the credit reporting agencies to remove the account from the consumer’s credit report and has attached a letter to this response confirming said action took place This letter should assist the consumer with any financing she may be pursuing until the credit reporting agencies update the consumer’s credit report Additionally, Afni does not furnish credit reporting information to Equifax Please be aware that it can take the credit reporting agencies up to 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 8, 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 August 17, 2012, until [redacted] considered the balance delinquent on February 9, The billing address associated with the account is [redacted] CA 94533, which is the same address the consumer listed on the complaint, and the phone number is [redacted] Afni attempted to mail the initial notice of the account to the consumer on January 27, Afni received notice that the address was incorrect and did not receive an updated address On March 19th, Afni furnished the credit reporting agencies with notice of the account On 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 That same day, Afni received a dispute from the credit reporting agencies; while Afni has not responded yet, Afni will respond appropriately Afni has provided bill copies for the consumer's reference 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, on June 11th, 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]