Afni

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On November 14, 2016, [redacted] forwarded the subject account, [redacted] account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $The account is for satellite service established on July 18, 2013, until [redacted] considered the balance delinquent on July 19, The billing address associated with the account is [redacted] , [redacted] , [redacted] ***, which is also the service address Afni mailed the initial notice of the account to the consumer on November 16, On November 19, the consumer spoke to an Afni representativeThe Afni representative was able to confirm that he was speaking with the consumer; however, the call disconnected just after verifying the account On December 18, Afni furnished the credit reporting agencies with notice of the account On May 12, Afni received a letter from the consumer disputing the account In response, Afni ceased communication and initiated an investigation As a result of the investigation, Afni mailed a validation letter to the consumer on May Additionally, that same day, Afni mailed the account billing statements to the consumer as validation on the account On May 18, 2017, [redacted] requested Afni to cease collections and return the account On May 21, Afni requested all credit reporting information to be removedOn June 20, 2017, Afni received this complaint In response, Afni ceased communication and initiated another investigation Afni has attached copies of the account billing statements for the consumer’s reference 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 is no longer the collection agency handling the subject account Further questions regarding the account 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 29, 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 May 24, The billing and service address associated with the account is [redacted] ***, which is the same address the consumer listed on the complaint Afni mailed the initial notice of the account on July 3, An Afni representative called the consumer on July 5th, to discuss the account and the consumer then disputed the account In response, Afni ceased communication and initiated an investigation On July 30th, Afni furnished the credit reporting agencies with the disputed status of the account On August 14th, Afni mailed a validation letter to the consumerAdditionally, that same day, Afni mailed the account billing statements to the consumer as validation on the accountOn September 5, 2017, Afni received this complaint In response, Afni ceased communication and initiated another investigation Afni has attached copies of the account billing statements to this response; these are provided as validation of the account To address the consumer’s 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] As the consumer has requested, Afni will no longer contact the consumer about this account 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 he would like to discuss the account, he may contact a Regulatory Specialist at [redacted]

This is in response to your Revdex.com inquiryAfni appreciates the opportunity to respond to the consumer’s concernsOn January 6, 2015, [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 November 24, Afni mailed the initial notice of the account on January 7, On February 22, Afni furnished the credit reporting agencies with notice of the accountOn February 28, the consumer made a payment of $via Afni’s website, which closed the account as settled in fullOn March 22, Afni furnished the credit reporting agencies with notice of the settled in full status of the account On January 20, 2017, Afni received this complaintThis was Afni’s first contact with the consumerIn response, Afni initiated an investigationIn an effort to assist the consumer, Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit reportTo address the consumer’s concern, this complaint was Afni’s first contact with the consumerSince the account has been settled in full, the consumer should contact [redacted] directly if he would like to discuss the account further

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On November 16, 2016, [redacted] forwarded the account, [redacted] account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $1,The account is for cellular services established on November 10, 2009, until [redacted] considered the balance delinquent on September 11, The billing address associated with the account is [redacted] *** and the phone numbers are [redacted] , [redacted] and [redacted] Afni attempted to mail the initial notice of the account to the consumer on January 17, 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 May 12th and May 15th, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriately On May 22nd, Afni received a letter from the consumer disputing the account In response, Afni ceased communication and initiated an investigation On June 9, 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 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]

Initial Business Response / [redacted] (1000, 5, 2016/03/18) */ This is in response to your Revdex.com inquiryAfni appreciates the opportunity to respond to the consumer's concernsOn July 2, 2015, [redacted] forwarded the subject account, [redacted] account #: XXXXXXXX, Afni Incaccount #: XXXXXXXXX-XX, with Afni for collections on the balance of $ The account is for satellite services established on May 4, 2010, until [redacted] considered the account delinquent on April 4, 2015.The billing address associated with the account is [redacted] Paso Robles, California Afni mailed the initial notice of the account on July 4, On August 2, Afni furnished the credit reporting agencies with notice of the accountOn February 24, 2016, the consumer spoke to an Afni representative and stated that the account was the result of identity theftOn February 25, Afni received a dispute from the credit reporting agencies, reviewed all relevant information, and responded appropriatelyLater that same day, the consumer spoke to an Afni representativeOn February 28, Afni sent a request to the credit reporting agencies to remove the account from the consumer's credit reportOn February 29, [redacted] requested that Afni cease collection activities on the account and return the account to [redacted] , which Afni did On March 4, Afni received this complaintIn response, Afni initiated another investigation, as the initial investigation was unable to be completed due to [redacted] requesting that Afni return the account to [redacted] Afni has attached bill copies from the account, for the consumer's referenceAfni sent a request to the credit reporting agencies to remove the account from the consumer's credit report on February Since the account is no longer in Afni's office, the 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 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 $1,The account is for cellular services established on April 14, 2006, until [redacted] Mobility considered the account delinquent on August 22, The billing address associated with the account is [redacted] ***, Jacksonville, FL 32218, and the phone numbers are [redacted] , [redacted] , [redacted] , [redacted] , and [redacted] The service was active and the account was being paid for over years Afni mailed the initial notice of the account on or about March 24, On May 7, 2017, Afni furnished the credit reporting agencies with notice of the account On October 12th, the consumer called an Afni representative to request a lower settlement than Afni could offer On December 11th, the consumer called an Afni representative to request to settle the account in full for $and to state that he was no longer disputing the accountOn February 14, 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, Afni has not received any correspondence from the consumer When a consumer submits a dispute through the credit reporting agencies, Afni responds directly to the credit reporting agencies 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 (866) 716-

Initial Business Response / [redacted] (1000, 5, 2015/07/28) */ This is in response to your Revdex.com inquiryAfni appreciates the opportunity to respond to the consumer's concernsOn March 6, 2015, [redacted] forwarded the subject account, [redacted] account #: [redacted] , Afni Incaccount #: XXXXXXXXX-XX, with Afni for collections on the balance of $ The account is for television, internet, and home phone services established on November 1, 2012, until [redacted] considered the account delinquent on October 28, 2013.The billing address associated with the account is [redacted] Santa Clarita, [redacted] , and the phone number is [redacted] Afni mailed the initial notice of the account on March 8, On April 26, Afni furnished the credit reporting agencies with notice of the account On July 14, Afni received this complaintThis was Afni's first contact with the consumerIn response, Afni ceased communication and initiated an investigationOn July 19, Afni furnished the credit reporting agencies with notice of the disputed status of the accountAfni has attached the final bill copy from the account, as validationAfni has also attached an [redacted] Fraud packet, to aid the consumer in filing identity theft on the account if she chooses to do soTo address the consumer's concerns, Afni does not own the account, and is simply working the account on behalf of [redacted] Additionally, as Afni is not privy to conversations between the consumer and another collection agency, Afni is unable to discuss those conversationsAfni will continue to cease communication on the accountThe consumer may contact a Consumer Relations Specialist at XXX-XXX-XXXX, if she would like to discuss the account further Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) I copied all of the info they require, about pages, when I wanted to fax it, I couldn't find the form to sign so they can do a Fraud InvestigationIt wasn't attached to this info as statedI called AFNI to see if they can fax one to me or e-mail, they said they can't do either, but will mail one which takes to business daysI am afraid this will go over my allowed time to have the resolvedThey said they could have faxed it if they hadn't already put in a request to have it mailedI find this hard to believeI hate giving all of my personal info to a place like thisIt appears I have no rights and there is nothing to protect me They want proof of residence, which is a lot of personal info, such as pay stubs, bank statements and the suchThey want a copy of my Driver's License and other I.DI don't feel like I can trust this place and am feeling very put out and taken advantage ofI have lived in Arizona since and this debt took place in These collection companies have all the rights and authority and the consumer has nothing on their sideWhen I spoke with [redacted] in [redacted] 2015, which is the first time I knew anything of this accountThey wouldn't accept anything I had to say, but were willing to accept a lesser amount to pay this offThey couldn't even find an account in my name at [redacted] because they had already sent it to a Collection AgencyI explained this isn't mine as I live in [redacted] , they were not interestedAt that time the account had been sent to [redacted] Credit System Acct # XXXXXXXX and now it belongs to a different Collection Agency, AFNI, Acc: XXXXXXXXX and they couldn't find it under that number, I had to give more personal info to themThis is very frustrating and has taken a lot of my time The biggest thing I don't understand is why [redacted] would open an account without proof of I.Dand residence,

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On August 8, 2014, [redacted] U-Verse forwarded the subject account, [redacted] U-Verse account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $The account is for services established on May 1, 2009, until [redacted] U-Verse considered the account delinquent on July 11, The service address associated with the account is [redacted] ***, Santa Rosa, CA 95407, which is the same address the consumer listed on the complaint Afni mailed the initial notice of the account on or about September 16, On November 9, 2014, Afni furnished the credit reporting agencies with notice of the account On May 14, 2017, Afni has sent a request to the credit reporting agencies to remove the account from the consumer’s credit report On February 23, 2018, Afni received this complaint This was Afni’s first contact with the consumer In response, Afni ceased communication and initiated an investigationIn regard to the consumer’s concerns regarding allegations about Afni on the internet, be assured that Afni takes every consumer complaint and dispute seriously Afni investigates each account thoroughly and, if applicable, offers the consumer validation of the account in a timely manner Afni 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 the consumer has requested, Afni will no longer contact the consumer about this account Afni made a business decision to cease collections and return the subject account to [redacted] U-Verse Further questions regarding the account should be directed to [redacted] U-Verse

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 12298148, 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 July 5, 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 January 1, 2015, until [redacted] considered the account delinquent on November 25, The billing address associated with the account is [redacted] ***, and the phone number is [redacted] Afni attempted to mail the initial notice of the account to the consumer on July 10, Afni received notice that the address was incorrect and did not receive an updated addressOn August 28, 2017, Afni furnished the credit reporting agencies with notice of the accountOn October 23, 2017, Afni received this complaint This was Afni’s first contact with the consumer In response, Afni ceased communication and initiated an investigation Afni has attached copies of the account billing statements to this response; these are provided as validation of the account To address the consumer’s concern, the subject account has not been purchased by 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 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 14, 2016, [redacted] Mobility forwarded the subject account, [redacted] Mobility account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $1,The account is for cellular services established on February 21, 2012, until [redacted] Mobility considered the account delinquent on December 16, The billing address associated with the account is [redacted] **, Palm Bay, FL 32907, which is the same address the consumer listed on the complaint, and the phone numbers are [redacted] , [redacted] , [redacted] and [redacted] Afni mailed the initial notice of the account on or about January 19, Afni did not receive any notice of returned mail, and as a result, can infer that the notice of rights was receivedOn March 19, 2017, Afni furnished the credit reporting agencies with notice of the accountOn January 8, 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] Mobility and acts as an agent on behalf of [redacted] Mobility; therefore, the consumer would not have a contract with Afni Afni will send a request to the credit reporting agencies to remove the account from the consumer’s credit report Please be aware that it can take the credit reporting agencies up to days to update consumer credit reports Afni has no control over how quickly the credit reporting agencies update consumer credit reports However, this does not mean that the account is not due and owing, simply that Afni will no longer furnish the account to the credit reporting agencies Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if he would like to discuss the account, he may contact a Regulatory Specialist at [redacted]

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On December 2, 2016, AT&T U-Verse forwarded the subject account, AT&T U-Verse account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $The account is for services established on March 1, 2015, until AT&T U-Verse considered the account delinquent on May 20, The billing address associated with the account is PO [redacted] Raceland, LA Afni attempted to mail the initial notice of the account to the consumer on December 5th Afni received notice that the address was incorrect and did not receive an updated address On January 22, 2017, Afni furnished the subject account to the credit reporting agencies On July 19, 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 After receipt of the complaint on July 19th, Afni received a written notice of the consumer’s dispute on July 25thAs a result, Afni continued to cease collections and continued to investigate the account 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 U-Verse and acts as an agent on behalf of AT&T U-Verse; therefore, the consumer would not have a contract with Afni On July 23rd, Afni sent a request to the credit reporting agencies to remove the account from the consumer’s credit report Please be aware that it can take the credit reporting agencies anywhere from to days to update consumer credit reports Afni has no control over how quickly the credit reporting agencies update consumer credit reports However, this does not mean that the account is not due and owing, simply that Afni will no longer furnish the account to the credit reporting agencies Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if she would like to discuss the account, she may contact a Regulatory Specialist at (877) 859-

I am rejecting this response because: I am not liable for this accountThis is not my account and needs to be removedNo signed copy of any contracts have been submitted

This is in response to your Revdex.com inquiry Afni appreciates the opportunity to respond to the consumer’s concerns On February 13, 2017, [redacted] forwarded the subject account, [redacted] account #: 312457104, Afni, Incaccount #: 063996718-01, with Afni for collections on the balance of $The account is for cellular services established on October 23, 2006, until [redacted] considered the account delinquent on April 24, The billing address associated with the account is [redacted] ***, Rock Hill, SC 29730, which is the same address the consumer listed on the complaint, and the phone number is ( [redacted] Afni mailed the initial notice of the account on or about February 16, On April 2, 2017, Afni furnished the credit reporting agencies with notice of the accountOn March 8, 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] The charges are for a leased 3G/4G Samsung Ntablet with a 25MB Data Plan The consumer’s last payment on the account occurred on January 19, 2016, in the amount of $45.00; however, the service was not cancelled until April 24, Afni has attached a copy of the consumers signed lease agreement for the Samsung tablet and the lease agreement for his cell phone Afni understands that the consumer is seeking removal of this tradeline from their credit report; however, to remain in good standing with the credit reporting agencies, Afni’s policy is to furnish the accurate status only Afni trusts this response has addressed the consumer’s concerns, but if questions remain, or if he would like to discuss the account, he 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 March 23, 2017, [redacted] forwarded the subject account, [redacted] account #: [redacted] , Afni, Incaccount #: [redacted] , with Afni for collections on the balance of $The account is for cellular services established on August 20, 2005, until [redacted] considered the account delinquent on September 14, The billing address associated with the account is [redacted] *** and the telephone numbers are [redacted] , [redacted] and [redacted] Afni mailed the initial notice of the account on March 25, 2017, and did not receive any returned mail Afni has not, and will not furnish the subject account to the credit reporting agencies On June 26th, the consumer spoke to an Afni representative and disputed the account In response, Afni ceased communication and initiated an investigation On June 6, 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 In response to the consumer’s complaint regarding personal identifying information, [redacted] provided Afni the account holder’s date of birth and the social security number ending in ***To address the consumer’s concern, the subject account has not been purchased by Afni Afni received the account from [redacted] and acts as an agent on behalf of [redacted] Afni will not use the consumer’s personal information for any other purpose than collecting on a debt for our client, [redacted] Afni has not, and will not furnish the subject account to the credit reporting agenciesHowever, this does not mean that the account is not due and owing, simply that Afni will not 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]