Afni

I am rejecting this response because: The ANFI representative said they would not remove the information from my history, and it continues to show on my credit history even though paid and closed

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On January 3, 2017, [redacted] forwarded the account, [redacted] account #: [redacted] , Afni, Incaccount #: 063444688-01, with Afni for collections on the balance of $1,The account is for cellular services established on October 17, 2011, until [redacted] considered the balance delinquent on July 7, The billing address associated with the account is [redacted] ***, [redacted] ***, which is the same address the consumer listed on the complaint, and the telephone numbers are [redacted] , [redacted] , [redacted] , [redacted] and [redacted] Afni mailed the initial notice of the account to the consumer on January 6, On February 19th, Afni furnished the credit reporting agencies with notice of the account On March 23rd, the consumer spoke to an Afni representative and disputed the account In response, Afni ceased communication and initiated an investigation The Afni representative requested the consumer send in a written letter of dispute On March 26th, Afni updated the credit reporting agencies on the disputed status of the account On April 20th and June 14th, Afni received disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriately On June 21st, Afni received an email from the consumer disputing the account In response, Afni ceased communication and initiated another investigationOn June 22nd, Afni responded to the consumer’s email that Afni is investigating the consumer’s disputeOn June 25th, Afni requested all credit reporting information to be removed from the consumer’s accountOn June 27, 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; these are provided as validation of the account To address the consumer’s concerns, the account has not been purchased by Afni Afni received the account from [redacted] and acts as an agent on behalf of [redacted] ; therefore, the consumer would not have a contract with Afni As previously stated, on June 25th, 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 Additionally, Afni did not receive the consumer’s letter of dispute until June 21st When a consumer submits a dispute through the credit reporting agencies, Afni responds directly 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, 2016/03/29) */ This is in response to your Revdex.com inquiryAfni appreciates the opportunity to respond to the consumer's concernsOn December 23, 2014, [redacted] Mobility forwarded the subject account, [redacted] Mobility account #: XXXXXXXXXXXX, Afni Incaccount #: XXXXXXXXX-XX, with Afni for collections on the balance of $ The account is for cell phone services established on December 17, 2009, until [redacted] Mobility considered the account delinquent on September 17, 2011.The billing address associated with the account is [redacted] Seattle, Washington XXXXX, and the phone number is XXX-XXX-XXXXAfni mailed the initial notice of the account on January 28, On February 25, the consumer made a payment of $via Afni's websiteOn February 26, the consumer made another payment of $via Afni's websiteOn February 26, the consumer spoke to an Afni representative and made a payment of $On March 11, one of the payments for $was returnedOn April 3, [redacted] Mobility adjusted the balance by $On April 16, the other payment of $was returnedOn June 23, the consumer spoke to an Afni representative and disputed the accountIn response, Afni ceased communication and initiated an investigationOn January 21, 2016, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriatelyOn January 25, Afni received a letter of dispute from the consumerIn response, Afni continued to cease communication and continued the investigationOn February 19, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately On March 15, Afni received this complaintIn response, Afni continued to cease communication and continued the investigationAfni will close the account as settled in full, and has attached a receipt showing thisAt one point in time Afni furnished this account to the credit reporting agencies, however Afni has since sent a request to the credit reporting agencies to remove the account from the consumer's credit reportAfni apologizes that the consumer experienced difficulties using Afni's website and for any inconvenience this has caused the consumerAfni trusts this has resolved the consumer's concernsSince the account has been settled in full, the consumer should contact [redacted] Mobility directly if she would like to discuss the account further Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/03/30) */ (The consumer indicated he/she ACCEPTED the response from the business.)

I am rejecting this response because:if not removed immediately and handled properly the attorney general has confirmed they will be of assistance to go after any reporting agency reporting information to the credit bureaus

This is in response to your Revdex.com inquiryAfni appreciates the opportunity to respond to the consumer’s concernsThis complaint covers four accounts; I will explain each account belowOn November 12, 2012, [redacted] forwarded the subject account, Advanced Medical Transport account #: [redacted] , Afni Incaccount #: [redacted] , with Afni for collections on the balance of $The account is for services, which [redacted] considered delinquent on July 18, 2012.The billing address associated with the account is [redacted] ***Afni mailed the initial notice of the account on November 14, On November 15, the consumer spoke to an Afni representative, but the call was disconnectedOn November 5, and November 6, 2014, Afni received disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriatelyOn June 20, 2016, Afni received a letter from the consumer disputing the accountIn response, Afni ceased communication and initiated an investigationOn June 27, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriatelyOn July 11, Afni sent the consumer bill copies as validation of the accountOn August 30, Afni received another letter from the consumer disputing the accountOn September 6, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriatelyOn September 25, Afni received a letter from the consumer disputing the accountOn October 4, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriatelyOn December 6, Afni received this complaintAfni has made the business decision to cease collection activities on the account and return the account to [redacted] [redacted] At one point in time Afni furnished the account to the credit reporting agencies, however Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit reportOn August 12, 2013, [redacted] forwarded the subject account, [redacted] [redacted] account #: [redacted] , Afni Incaccount #: [redacted] , with Afni for collections on the balance of $The account is for services, which [redacted] considered delinquent on April 11, 2013.The billing address associated with the account is [redacted] Afni mailed the initial notice of the account on August 14, On October 27, 2014, Afni received a letter from the consumer disputing the accountIn response, Afni ceased communication and initiated an investigationOn November 6, Afni received a dispute from the credit reporting agencies reviewed all relevant information, and responded appropriatelyOn November 24, Afni sent the consumer bill copies as validation of the accountOn August 30, 2016, Afni received another letter from the consumer disputing the accountIn response, Afni ceased communication and initiated another investigationOn September 6, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriatelyOn September 14, Afni sent the consumer bill copies as validation of the accountOn September 19, and September 28, Afni received letter from the consumer disputing the accountOn September 26, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriatelyOn December 6, Afni received this complaintAfni has made the business decision to cease collection activities on the account and return the account to [redacted] At one point in time Afni furnished the account to the credit reporting agencies, however Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit reportOn May 26, 2014, [redacted] forwarded the subject account, [redacted] account #: [redacted] , Afni Incaccount #: [redacted] , with Afni for collections on the balance of $The account is for services, which [redacted] considered delinquent on December 27, The billing address associated with the account is [redacted] [redacted] ***Afni mailed the initial notice of the account on May 27, On October 28, Afni received a letter from the consumer disputing the accountIn response, Afni ceased communication and initiated an investigationOn November 6, Afni received two disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriatelyOn November 7, Afni sent the consumer bill copies as validation of the accountOn December 19, [redacted] informed Afni of a payment on the account in the amount of $65.00, which closed the account as paid in fullOn December 6, 2016, Afni received this complaintAt one point in time Afni furnished the account to the credit reporting agencies, however Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit reportOn May 19, 2014, [redacted] forwarded the subject account, [redacted] account #: [redacted] , Afni Incaccount #: [redacted] , with Afni for collections on the balance of $The account is for services, which [redacted] considered delinquent on December 21, The billing address associated with the account is [redacted] , [redacted] ***Afni mailed the initial notice of the account on May 20, On October 28, Afni received a letter from the consumer disputing the accountIn response, Afni ceased communication and initiated an investigationOn November 6, Afni received two disputes from the credit reporting agencies, reviewed all relevant information, and responded appropriatelyOn November 7, Afni sent the consumer bill copies as validation of the accountOn December 19, [redacted] notified Afni of payment on the account in the amount of $65.00, which closed the account as paid in fullOn December 6, 2016, Afni received this complaintAt one point in time Afni furnished the account to the credit reporting agencies, however Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit reportOn December 6, 2016, Afni received this complaintIn response, Afni ceased communication and initiated an investigation of the accountsAfni has made the business decision to cease collection activities on Afni Incaccounts [redacted] and [redacted] , and return the accounts to [redacted] [redacted] and [redacted] respectivelyAfni will send requests to the credit reporting agencies to remove all of the accounts from the consumer’s credit reportThe consumer should contact [redacted] or [redacted] respectively if she would like to discuss the accounts 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 meI appreciate the responseWhen I see that the issue has been removed from my credit report I will call Afni to complete the transactionI was prepared to settle the debt on the day that I called and am still prepared to settle the debt.Thank you,***

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On January 30, 2017, Comcast forwarded the subject account, Comcast account #: [redacted] , Afni, Incaccount #: 063827948-01, 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 established on which Comcast considered the account delinquent on January 3, The billing address associated with the account is West 60th Street, Chicago, IL 60621, which is also the service address and the address the consumer listed on the complaint Afni mailed the initial notice of the account on February 2nd, to the same address listed above and did not receive any returned mail On April 2, 2017, Afni furnished the credit reporting agencies with notice of the accountOn July 30, 2017, Afni received this complaint This was Afni’s first contact with the consumer 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 mailed the consumer notification of the debt at her address, as detailed above, and received no response until this complaint was received 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 made a business decision to cease collections and return the subject account to Comcast Further questions regarding the account should be directed to Comcast

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns This complaint covers two accounts, I will explain each individuallyOn April 9, 2013, [redacted] forwarded the subject account, [redacted] account #: [redacted] , Afni Incaccount #: [redacted] , with Afni for collections on the balance of $ The account for phone services was established on April 1, 2011, until [redacted] considered the account delinquent on July 11, The service address associated with the account is [redacted] ***, and the phone number is [redacted] Afni mailed the initial notice of the account on April 10th On May 26th, Afni began furnishing the subject account to the credit reporting agencies On October 31, 2016, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately On November 6th, Afni updated the credit reporting agencies on the disputed status of the account On June22, 2017, Afni received a letter from the consumer disputing the account That same day, [redacted] requested Afni to cease collections and return the account On June 25th, Afni requested all credit reporting information to be removed Afni is no longer the collection agency handling the subject accountOn August 7, 2014, [redacted] forwarded the subject account, [redacted] account #: [redacted] , Afni Incaccount #: [redacted] , with Afni for collections on the balance of $ The account for services was established on April 1, 2011, until [redacted] considered the account delinquent on June 21, The service address associated with the account is [redacted] *** Afni mailed the initial notice of the account on September 15, On November 9th, Afni began furnishing the subject account to the credit reporting agencies On October 31, 2016, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately On November 6th, Afni updated the credit reporting agencies on the disputed status of the account On June22, 2017, Afni received a letter from the consumer disputing the account On June 23, 2017, [redacted] requested Afni to cease collections and return the account Afni is no longer the collection agency handling the subject accountOn June 17, 2017, Afni received this complaint In response, Afni ceased communication and initiated an investigation As a courtesy to the consumer, Afni sent 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 Afni is no longer the collection agency handling either account Further questions regarding the accounts should be directed to [redacted] and [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 meAlthough AFNI is lying about not contacting us they called my phone and my daughters phone on the 2-16- If the “debt” was valid and legal it would have shown up when we joined the program offered by [redacted] Law and they would have received a power of attorney The debt did not show up and is not legal or valid and they are acting fraudulently and willingly and clearly violating the law

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID 12841528, and find that this resolution is satisfactory to me Regards, [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

I am rejecting this response because: I do not have a signed contract with this company with my original signature or ever had a signed contract with this companyThis is not a valid response of validationI requested the validation in writing in which they have failed to provide me with and they have violated the Texas Finance Code 392.202(b)(2)Since they couldn’t not validate the debt in a timely response they need to remove their name from my credit reports or I will have to file a complaint with the Texas Attorney General since they have violated my rights of not accurately validating thedebt as requested in my certified mail letterA statement is not a validation of debt per the Texas Finance Code 392.202(b)(2)

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On April 3, 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 November 29, 2014, until [redacted] considered the account delinquent on January 1, The service address associated with the account is [redacted] ***, Winston Salem, NC and the billing address is [redacted] ***, Boonville, NC 27011, which is the same address listed on the complaint Afni mailed the initial notice of the account on April 4, 2017, to [redacted] **, Durham, NC and did not receive any returned mail On May 7, 2017, Afni furnished the credit reporting agencies with notice of the accountOn May 15, 2017, Afni received this complaint Afni has had no communication with the consumer until receiving this complaintIn response, Afni ceased communication and initiated an investigation Afni has attached copies of the account billing ledger to this response; these are provided as validation of the account On May 17th, Afni received a dispute from the credit reporting agencies; while Afni has not responded yet, Afni will respond appropriately To address the consumer’s concerns, Afni mailed the first notice to [redacted] **, Durham, NC and did not receive any returned mail 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 August 29, 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 December 28, 2014, until [redacted] considered the account delinquent on October 18, The billing address associated with the account is [redacted] Lawrenceville, GA 30044, and the phone number is [redacted] Afni mailed the initial notice of the account on September 1, On October 16, 2016, Afni furnished the credit reporting agencies with notice of the accountOn 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; 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 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 accounts, it furnished the date of delinquency as August 29, Therefore, Afni has not re-aged the accountAs the consumer has requested, Afni will no longer contact the consumer about this account 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: This is not me, its evident that someone has utilized my information as in identity theft and has the account in question under my nameThis is not my account period!!! I will repeat that I DO NOT HAVE any kind of contract with AFNI

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On June 13, 2016, [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 12, The billing and service address associated with the account is [redacted] Apartment C, Elkhart, IN Afni attempted to mail the initial notice of the account to the consumer on or about June 16, Afni received notice that the address was incorrect and did not receive an updated address On August 14, 2016, Afni furnished the credit reporting agencies with notice of the accountOn February 28, 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, Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit report Please be aware that it can take the credit reporting agencies up to days to update consumer credit reports Afni has no control over how quickly the credit reporting agencies update consumer credit reports However, this does not mean that the account is not due and owing, simply that Afni will no longer furnish the account to the credit reporting agencies Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if he would like to discuss the account, he may contact a Consumer Relations Specialist at [redacted]

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concernsOn June 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 services established on November 21, 2014, until [redacted] considered the account delinquent on February 28, 2015.The billing address associated with the account is [redacted] ***Afni mailed the initial notice of the account on June 25, On July 24, Afni furnished the credit reporting agencies with notice of the accountOn October 7, Afni received a letter from the consumer disputing the accountIn response, Afni ceased communication and initiated an investigationOn October 16, Afni furnished the credit reporting agencies with notice of the disputed status of the accountOn October 24, Afni sent the consumer bill copies as validation of the accountOn November 16, Afni received five letters from the consumer disputing the account On December 4, Afni received this complaintIn response, Afni ceased communication and initiated another investigationOn December 9, [redacted] adjusted the balance of the account by $400.00, leaving the account with a balance of $Afni has attached the bill copies previously sent to the consumer, along with additional bill copies, as validationTo address the consumer’s concern, Afni is licensed to collect debt in all states that require Afni to do soIn 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 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 further

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 12303850, 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 [redacted] , and find that this resolution is satisfactory to mePer your request I [redacted] ***, will be more than willing to contact a Compliance Specialist in order to assist Afni in determining that I am NOT the account holder of this account

Revdex.com: I have reviewed the response however there are many inaccuracies, especially with dates I have never contacted their company twice Only once and it was to dispute this charge I have a FINAL bill from directTV showing a CREDIT of $dated 10/17/15, because my account was debited for an amount I did not owe When I called into dorectTV I informed them also this account was turned off in JULY I paid my account in full and returned all necessary equipment If need be, I will file a complaint with directTV too seeing I have no Bill’s, emails, or anything from them including a credit This $was taken out of my account without consent and this is why it was disputed with my bank No credit was ever issued to me I appreciate you removing it from my credit I will get in touch with directTV to dispute this with them and verify you were a 3rd party for them and you did not in fact buy this account from them and them write it off as a bad debt for as most companies do with 90+ old accounts