Afni

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concernsOn July 18, 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 August 9, 2013, until [redacted] considered the account delinquent on March 12, 2015.The billing address associated with the account is [redacted] ***Afni mailed the initial notice of the account on July 20, On August 21, Afni furnished the credit reporting agencies with notice of the accountOn October 3, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriatelyOn October 9, Afni furnished the credit reporting agencies with notice of the disputed status of the accountOn November 17, Afni received a letter from the consumer disputing the accountIn response, Afni ceased communication and initiated an investigationOn December 5, Afni sent the consumer bill copies as validation of the accountOn December 5, and December 8, Afni received disputes from the credit reporting agencies, while Afni has not responded yet, Afni will respond appropriately On December 10, Afni received this complaint and a complaint from the ***In response, Afni ceased communication and initiated another investigationAfni has made the business decision to cease collection activities on the account and return the account to [redacted] Afni will also send a request to the credit reporting agencies to remove the account from the consumer’s credit reportTo address the consumer’s concern, Afni validated the account accurately and appropriatelyThe consumer should contact [redacted] directly if she 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 concerns On May 10, 2017, Dish forwarded the subject account, Dish account #: [redacted] , Afni, Incaccount #: 065109809-01, with Afni for collections on the balance of $The account is for satellite services which Dish considered the account delinquent on February 16, The billing address associated with the account is [redacted] Lehigh Acres, FL Afni mailed the initial notice of the account on May 12, On June 11, 2017, Afni furnished the credit reporting agencies with notice of the account On September 11th and September 12th, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately On September 14th, Afni updated the credit reporting agencies on the disputed status of the account On October 11th, Afni received another dispute from the credit reporting agencies; while Afni has not responded yet, Afni will respond appropriatelyOn October 11, 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, Afni is indeed licensed to collect on a debt in the state of Florida; our license number is CCA Additionally, the subject account has not been purchased by Afni Afni received the account from Dish and acts as an agent on behalf of Dish; 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 (877) 859-

Initial Business Response / [redacted] (1000, 5, 2016/06/29) */ This is in response to your Revdex.com inquiryAfni appreciates the opportunity to respond to the consumer's concernsOn July 30, 2015, [redacted] forwarded the subject account, [redacted] account #: XXXXXXXXX, Afni Incaccount #: XXXXXXXXX-XX, with Afni for collections on the balance of $ The account is for cell phone services established on March 30, 2014, until [redacted] considered the account delinquent on June 1, 2014.The billing address associated with the account is [redacted] Drive Southington, Connecticut XXXXX, and the phone number is XXX-XXX-XXXXAfni mailed the initial notice of the account on August 1, On September 13, Afni furnished the credit reporting agencies with notice of the accountOn May 24, 2016, Afni received a letter from the consumer disputing the accountIn response, Afni ceased communication and initiated an investigationOn May 29, Afni furnished the credit reporting agencies with the disputed status of the accountOn May 31, Afni sent the consumer bill copies as validation of the accountOn June 10, the consumer spoke to an Afni representative and stated that she was disputing the accountIn response, Afni ceased communication and initiated another investigationOn June 13, Afni sent the consumer verification of the account On June 16, Afni received this complaintIn response, Afni ceased communication and initiated another investigationAfni has attached bill copies from the account, as validation of the accountTo address the consumer's concern, Afni responded to the consumer's letter of dispute on May 31, with bill copies as validation and responded to the consumer's verbal dispute with verification of the account on June Afni 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, 2016/07/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) I don't see the payment that I made on 4/1/for $being applied anywhereSee attached Final Business Response / [redacted] (4000, 9, 2016/07/14) */ This is in response to your further Revdex.com inquiryAfni appreciates the opportunity to respond to the consumer's concernsOn July 30, 2015, [redacted] forwarded the subject account, [redacted] account #: XXXXXXXXX, Afni Incaccount #: XXXXXXXXX-XX, with Afni for collections on the balance of $ The account is for cell phone services established on March 30, 2014, until [redacted] considered the account delinquent on June 1, 2014.The billing address associated with the account is [redacted] Drive [redacted] XXXXX, and the phone number is XXX-XXX-XXXXAfni mailed the initial notice of the account on August 1, On September 13, Afni furnished the credit reporting agencies with notice of the accountOn May 24, 2016, Afni received a letter from the consumer disputing the accountIn response, Afni ceased communication and initiated an investigationOn May 29, Afni furnished the credit reporting agencies with the disputed status of the accountOn May 31, Afni sent the consumer bill copies as validation of the accountOn June 10, the consumer spoke to an Afni representative and stated that she was disputing the accountIn response, Afni ceased communication and initiated another investigationOn June 13, Afni sent the consumer verification of the accountOn June 16, Afni received the initial complaint from the Revdex.com, which Afni responded to on June On July 4, Afni received this further correspondenceIn response, Afni initiated another investigationOn July 12, Afni received a letter from the consumer disputing the accountIn response, Afni continued to cease communication and continued the investigationAfni has attached bill copies from the account, for the consumer's referenceTo address the consumer's concern, Afni responded to the consumer's letter of dispute on May 31, with bill copies as validation and responded to the consumer's verbal dispute with verification of the account on June Afni has made the business decision to cease collection activities on the account and return the account to [redacted] Afni will also send a request to the credit reporting agencies to remove the account from the consumer's credit reportThe consumer should contact [redacted] directly if she would like to discuss the account further Final Consumer Response / [redacted] (2000, 11, 2016/07/19) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept this as long as they remove from all three credit bureaus

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, 2005, until [redacted] Communications considered the account delinquent on May 1, The service address associated with the account is [redacted] Apartment 2172, Tucson, 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 notice of the accountOn February 28, 2018, Afni received this complaint In response, Afni ceased communication and initiated an investigationWe have validated the subject account with [redacted] Communications Per [redacted] Communications, the final balance on the account was in the amount of $ The consumer had another account that had a $credit balance, which was transferred to this account, making the new balance owed $ [redacted] Communications address is [redacted] ***, Atlanta, GA To address the consumer’s concern in regard to the consumer's concerns about the age of the account, the statute of limitations applies to the legal remedy taken in a court of law Afni does not file suit on collection accounts 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 date of delinquency as August 14, Therefore, Afni has not re-aged the account As previously stated, the date of delinquency on the account is May 1, Additionally, Afni does not trade credit deletions for paymentsOur agreements with the credit reporting agencies prevent us from trading payment for deletion On March 4, 2018, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report Please be aware that it can take the credit reporting agencies up to days to update consumer credit reports Afni has no control over how quickly the credit reporting agencies update consumer credit reports However, this does not mean that the account is not due and owing, simply that Afni will no longer furnish the account to the credit reporting agencies Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if he would like to discuss the account, he may contact a Consumer Relations Specialist at [redacted]

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On March 6, 2018, [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 September 12, 2015, until [redacted] Mobility considered the account delinquent on September 7, The billing address associated with the account is [redacted] ***, Charleston, SC 294121, which is the same address the consumer listed as her address on this complaint, and the phone number is [redacted] Afni mailed the initial notice of the account on or about March 12, On April 22, 2018, Afni furnished the credit reporting agencies with notice of the accountOn April 27, 2018, Afni received this complaint This was Afni’s first contact with the consumer In response, Afni ceased communication and initiated an investigation Afni has attached copies of the account billing statements to this response; these are provided as validation of the account To address the consumer’s concern, 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 On April 29, 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 (866) 716-

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On July 27, 2016, Sprint forwarded the subject account, Sprint account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $ The account is for cellular services established on June 14, 2011, until Sprint considered the account delinquent on May 22, The billing address associated with the account is [redacted] Apartment 316, Houston, TX and the phone number is [redacted] Afni mailed the initial notice of the account on July 30, On September 11th, Afni furnished the credit reporting agencies with notice of the account Between March 6, 2017, and March 13th, Afni received two disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriatelyOn June 5, 2017, Afni received this complaint This was Afni’s first contact with the consumerIn 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 To address the consumer’s concern, the subject account has not been purchased by AfniAfni received the account from Sprint and acts as an agent on behalf of Sprint; therefore the consumer does 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 (877) 859-

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On November 30, 2016, [redacted] Mobility forwarded the subject account, [redacted] Mobility account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $The account is for cellular services established on April 27, 2013, until [redacted] Mobility considered the account delinquent on May 25, The billing address associated with the account is [redacted] **, Springfield, IL and the phone numbers are [redacted] , [redacted] and [redacted] Afni mailed the initial notice of the account to the consumer on March 24, On May 7, 2017, Afni furnished the credit reporting agencies with notice of the accountOn May 13, 2017, Afni received this complaint Afni has had no communication with the consumer until receiving this complaint In response, Afni ceased communication and initiated an investigation Afni has attached copies of the account billing statements to this response; these are provided as validation of the account As a courtesy to the consumer, Afni has sent a request to the credit reporting agencies to remove the account from the consumer’s credit reportAfni trusts this response has addressed the consumer’s concerns, but if the consumer has no recollection of this account, he should contact AT&T’s Fraud Department at [redacted]

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On April 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 August 1, 2014, until [redacted] considered the account delinquent on September 11, The billing address associated with the account is [redacted] , Orlando, FL Afni mailed the initial notice of the account on April 13, On May 28th, Afni furnished the credit reporting agencies with notice of the account On July 24th, [redacted] notified Afni that a payment was received in the amount of $to close the account as paid in full That same day, [redacted] requested Afni to cease collections and return the account On July 30th, Afni updated the credit reporting agencies on the paid in full status of the account On July 31st, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately On August 6th, Afni updated the credit reporting agencies on the disputed status of the account On August 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 for the consumer’s reference To address the consumer’s concern, Afni updates the credit reporting agencies with the accurate status of the account On August 20, 2017Afni 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 reportsAs the account is paid in full, further questions regarding the account should be directed to [redacted]

This is in response to your Revdex.com inquiryAfni appreciates the opportunity to respond to the consumer’s concernsOn January 9, 2017, [redacted] forwarded the account, [redacted] account #: [redacted] Afni, Incaccount #: [redacted] with Afni for collections on the balance of $1,682.33.The account is for cellular service established on January 5, 2015, until [redacted] considered the balance delinquent on December 11, The billing address associated with the account is [redacted] Marietta, GA and the phone numbers are [redacted] and [redacted] Afni mailed the initial notice of the account to the consumer on January 11, On February 26th, Afni furnished the credit reporting agencies with notice of the accountOn March 1st, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately.On June 6, 2017, Afni received this complaintThis was Afni’s first contact with the consumerIn response, Afni ceased communication and initiated an investigationAfni has attached copies of the account billing statements to this response; these are provided as validation of the accountTo 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 AfniAs 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 reportHowever, 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 agenciesOn June 13th, Afni received a dispute from the credit reporting agencies; while Afni has not responded yet, Afni will respond appropriatelyAfni 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 inquiry Afni appreciates the opportunity to respond to the consumer’s concernsOn October 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 September 11, 2013, until [redacted] considered the account delinquent on April 13, 2016.The billing address associated with the account is [redacted] ***Afni mailed the initial notice of the account on October 13, On October 31, the consumer spoke to an Afni representativeLater that same day, Afni received a letter from the consumer disputing the accountIn response, Afni ceased communication and initiated an investigationOn November 7, Afni received this complaintIn response, Afni continued to cease communication and continued the investigationAfni has made the business decision to cease collection activities on the account and return the account to [redacted] Afni will also send a request to the credit reporting agencies to remove the account from the consumer’s credit reportAfni has attached a letter stating this, for the consumer’s referenceThe consumer should contact [redacted] 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 claimant’s concerns On February 16, 2018, [redacted] Insurance forwarded the subject account, [redacted] Insurance account number: [redacted] , Afni, Incaccount number: [redacted] , with Afni for resolution on the balance of $12,The account is from an accident which occurred on January 6, 2017, involving a vehicle that was listed as belonging to and driven by [redacted] ; a Subaru Outback with license plate: [redacted] The address associated with the account is [redacted] ***, Las Cruces, NM Afni mailed the initial notice of the account on or about March 30th On [redacted] 26, 2018, Afni received this complaint In response, Afni ceased communication and initiated an investigation To address the claimant’s concern, Afni reviewed all of the calls Afni representatives had with the claimant At no time did the claimant provide Afni with her credit card information Afni never took a payment from the consumer’s credit card; hence, she did not see that payment on her statement As Afni has clearly stated to the claimant on several occasions, Afni cannot accept postdated credit card payments for security purposes The Afni representative furnished accurate information when she told the claimant that Afni can only accept postdated ACH payments from a checking accountAfni can only accept immediate credit card payments Afni has explained to the claimant numerous times that if she wishes to pay by credit card she needs to call in each time to make the payment Afni also has a website, www.afnicollections.com, that she can make secure payments online using her debit card, VISA, Mastercard or checking accountThe claimant refused to do this Additionally, Afni representative, Kim, never stated to the claimant that she worked for [redacted] *** The Afni representative stated that the payment arrangement was for $per month but that it was up to the claimant if she wanted to pay $twice per month In regard to the notarized document, the Afni representative stated it was up to the claimant on whether she got the document notarized and that Afni could not and would not force her This is a tort, or wrongful act, and [redacted] Insurance is pursuing Ms [redacted] as she was the driver of the vehicle that failed to yield and struck the [redacted] insured Ms [redacted] was found to be responsible for the accident based on the investigation completed by [redacted] Insurance Afni trusts this response has addressed the claimant’s concerns, but if questions remain, or if she would like to discuss the [redacted] Insurance account further, she may contact an Afni representative at (866) 889-

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On November 15, 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 14, The billing address associated with the account is [redacted] 4th Avenue Apartment ***, North Miami, FL Afni mailed the initial notice of the account on or about November 18, On January 21, 2018, Afni furnished the credit reporting agencies with notice of the accountOn January 24, 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] and acts as an agent on behalf of [redacted] ; therefore, the consumer would not have a contract with Afni Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit report Please be aware that it can take the credit reporting agencies 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]

I am rejecting this response because: This is exactly why I made my complaint both companies are actually pointing at each other and now the finger is pointing at me this complaint was never about when the account was established nor who can sent the account to the credit bureauIt is so frustrating and that is conflict of interest at it's finestwhat a shame Now if they did read my complaint and gave themselves a chance to listen to me on the phone calls, they would have had a much better responses and explanations On 11/10/the purpose of my call to AFNI was to verify and confirming any affiliation to the collection agency that took me to Court ( [redacted] ***.) But the manager and Representative I spoke to did mentioned about the paymentso it is so phony how *** does not accept the letter I sent stated the payment was fully satisfied as proofhave any knowledge about [redacted] [redacted] nor the payment and at the same time AFNI toll me they were going to send a letter to [redacted] to investigateit is ridiculous how the manager from AFNI was trying to rush me of the phone but yet was trying to convince me [redacted] will investigate this case and now they're so quick to offer an apology it is laughable I don't know why on their response they are asking to call *** so I would love to know who's going to take responsibility to fix this issues not trying to collect money from? sincerely [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 12309443, 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 March 15, 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 which [redacted] considered the account delinquent on January 13, The billing address associated with the account is [redacted] ***, Moses Lake, WA 98837, and the phone numbers are [redacted] and [redacted] Afni mailed the initial notice of the account on or about March 18, On September 4, 2016, Afni furnished the credit reporting agencies with notice of the account An Afni representative called the consumer on March 7, 2017, to discuss the account The consumer agreed to a payment arrangement to settle the account in full for $ On March 13th, the consumer called an Afni representative and made an electronic payment in the amount of $to settle the account in fullOn March 21st, Afni mailed the consumer a settled in full letter which stated: “This letter serves as confirmation that the account listed above has been closed as settled in full If Afni has reported information on this account to the credit bureaus, Afni will send notification to the credit bureaus with the appropriate updates to accurately reflect this status.” On March 26th, Afni updated the credit reporting agencies on the settled in full status of the account On October 3rd, the consumer called an Afni representative to request another settled in full letter On October 5th, mailed the consumer an additional settled in full letter Between October 9th and November 1st, Afni received multiple disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately On October 15th, Afni updated the credit reporting agencies on the disputed status of the account On November 21st, Afni received an email from the consumer requesting a credit deletion Later that same day, Afni responded via email to the consumer stating it was Afni’s policy to only furnish accurate information to the credit reporting agenciesOn November 21, 2017, Afni received this complaint In response, Afni ceased communication and initiated an investigationAfni has provided bill copies for the consumer's reference To address the consumer’s concern, Afni reviewed the consumer’s telephone calls When the consumer made her payment to settle the account in full on March 13th, the Afni representative clearly stated the account would be closed as settled in full No promise was ever given to the consumer that the account would be deleted from the credit reporting agencies Additionally, on October 3rd, the consumer was told the account was updated as settled in full on March 26th The mailing address was also confirmed with the consumer during the same call When a consumer submits a dispute through the credit reporting agencies, Afni responds directly to the credit reporting agencies 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 As the account is settled in full, further questions should be directed to [redacted] 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 concernsOn April 21, 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 June 1, 2014, until [redacted] considered the account delinquent on December 12, 2014.The billing address associated with the account is [redacted] ***Afni mailed the initial notice of the account on April 24, On June 12, Afni furnished the credit reporting agencies with notice of the accountOn October 20, Afni received a complaint from the Revdex.com, which Afni responded to on October Later that same day, October 20, [redacted] requested that Afni cease collection activities on the account and return the account to ***, which Afni didOn October 23, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit reportOn December 6, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriatelyOn December 29, Afni received this complaintIn response, Afni initiated another investigationOn January 3, 2017, Afni sent another request to the credit reporting agencies to remove the account from the consumer’s credit reportAfni trusts this has resolved the consumer’s concernsSince the account is no longer in Afni’s office, 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 concerns On June 12, 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 July 1, The billing and service address associated with the account is [redacted] ***, Lake Worth, FL Afni mailed the initial notice of the account on June 15, On August 13, 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 accountTo address the consumer’s concern, the subject account has not been purchased by Afni Afni received the account from [redacted] and acts as an agent on behalf of [redacted] Additionally, Afni is indeed licensed to collect on a debt in state of Florida; our license number is CCA 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 Regulatory Specialist at [redacted]

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 Please note I was unable to open the attached files sent by AFNI

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On March 8, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $The account is for services established on July 1, 2014, until [redacted] considered the account delinquent on August 11, The billing address associated with the account is [redacted] *** Afni mailed the initial notice of the account March 10, 2017, to [redacted] ***, which is the same address the consumer listed on the complaint, and did not receive any returned mail On April 30, Afni furnished the subject account to the credit reporting agencies On May and May 25, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately On May 26, Afni received a letter from the consumer disputing the account In response, Afni ceased communication and initiated an investigationOn May 28, Afni updated the credit reporting agencies on the disputed status of the account On June and June 26, Afni received disputes from the credit reporting agencies; while Afni has not responded yet, Afni will respond appropriately On June 22, 2017, Afni received this complaint In response, Afni continued to cease communication and continued the investigation Afni has attached copies of the account billing statements previously sent to the consumer to this response; these are provided as validation of the account To address the consumer’s concern, the subject account has not been purchased by Afni Afni received the account from [redacted] and acts as an agent on behalf of [redacted] Additionally, Afni sent the first notice to the consumer to the address listed on the complaint on March and did not furnish the subject account to the credit reporting agencies until April As a courtesy to the consumer, on June 25, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report However, this does not mean that the account is not due and owing, simply that Afni will no longer furnish the account to the credit reporting agencies Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if she would like to discuss the account, she may contact a Regulatory Specialist at [redacted]

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On December 21, 2016, AT&T Mobility forwarded the subject account, AT&T Mobility account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $2,The account is for cellular services established on July 26, 2004, until AT&T Mobility considered the account delinquent on May 27, The billing address associated with the account is [redacted] , Racine, WI 53403, which is the same address the consumer listed on the complaint, and the phone numbers are [redacted] and [redacted] Afni mailed the initial notice of the account on December 27, On February 12, 2017, Afni furnished the credit reporting agencies with notice of the account Between July 19th and July 25th, Afni received two disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately On July 23rd, Afni updated the credit reporting agencies on the disputed status of the account On July 25th, Afni received a letter from the consumer disputing the account In response, Afni ceased communication and initiated an investigation On August 25th, Afni mailed a validation letter to the consumerAdditionally, that same day, Afni mailed the account billing statements to the consumer as validation on the account On August 28th, Afni requested all credit reporting information to be removedOn September 1, 2017, Afni received this complaint In response, Afni ceased communication and initiated an investigation Afni has attached copies of the account billing statements to this response; these are provided as validation of the account To address the consumer’s concern, the subject account has not been purchased by Afni Afni received the account from AT&T Mobility and acts as an agent on behalf of AT&T Mobility; therefore, the consumer would not have a contract with Afni As the consumer has requested, Afni will no longer contact the consumer about this account Afni has sent a request to the credit reporting agencies to remove the account from the consumer’s credit report Please be aware that it can take the credit reporting agencies anywhere from 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 (877) 859-