AFNI INC. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
09/01/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	SC 291XX	Web	Servicemember
The company that I am not aware of have reported a debt in my name for {$530.00}. They never notified me via mail of this debt. And If they did I need to see proof that they did..certified delivery letter proof. So, I did not get a chance to ask for validation and verification before they even placed on my credit report. This company is committing identity theft towards my personal information. I sent a letter and it was ignored XXXX/XXXX/XXXX. So, this time I faxed it to their fax number and I have confirmation of their receipt attached of the letter that I needed a response to. But, since they failed to respond or even notify me of this debt, it is against the FDCPA to report this account to my credit reports. The letter was typed as shown below and I needed proof of everything within the letter : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC, XXXX AFNI XXXX XXXX XXXX XXXX IL XXXX XXXX/XXXX/XXXX XXXX : Acct # { XXXX } To Whom It May Concern : Ive received a copy of my credit report and you are claiming I have an account with you or I owe you something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you. Also, because you are a 3rd party collector, you have no permission to furnish any information on my credit report in the first place. The law states that before you collect any information, about me, you have to get my authorization to access my credit report for any reason. You didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me on my credit reports. Heres the law in case you never read it before. ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; Now, I am also exercising my right under the FDCPA to dispute the alleged account and demand validation from you. Ill break it down very easy for you. But know this, should you fail to provide every single thing I request form you, and dont worry, the list will be short, sweet and to the point, you will be required to cease all collection activity immediately. Notify me in writing that you indeed are ceasing and deleting all information you have furnished to any and every one of my credit reports from every single credit repository to which youve submitted this unverified and un-validated information. This is request of PROOF OF CONTRACT to substantiate your claim. Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature, specifically naming, AFNI INC, as an entity entitled to enforce a commercial claim You do not conduct commerce ) against me. *Certified shall be done through the presence of a notary public, who authenticates and duly swears the copy made is in fact a copy of the original paper contract in question ( meaning the original contract from the original creditor would need be provide to the notary, and the notary would need to make the copy themselves ). You will also need to provide the following : 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. Your failure to respond and provide strict proof of contracts and all the items noted above, presented to me in certified format, sworn under Penalty and Perjury and Authenticated by a notary will constitute your tactic agreement that you are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : 1. File a complaint with the Attorney General 2. File a complaint with the Better Business Bureau 3. File a complaint with the Consumer Financial Protection Bureau 4. File a complaint with the Federal Trade Commission 5. File a Police Report against your company for harassment, invasion or privacy and attempting to extort money. 6. File a Law Suit against you for harassment, fraud, extortion, and invasion or privacy. You have 15 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. IN ADDITION - Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist WHICH MEANS THAT REPORTING IT TO THE CREDIT BUREAUS ALONG WITH VERIFYING IT WITH THE CREDIT BUREAUS IS STILL COLLECTION ACTIVITY. I KNOW THE LAW AND MY RIGHTS. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. PLEASE KEEP IN MIND THAT I NEED THAT PROOF ON CONTRACT INFORMATION WITHIN 15 DAYS. YOU HAVE AN ADDITIONAL 15 DAYS TO SEND ME THE REMAINDER OF INFORMATION REQUIRED BY LAW. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX CC : FTC, BBB, CFPB,
02/03/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19144	Web
NOTICE TO CEASE AND DESIST I AM DEMANDING YOU CEASE AND DESIST ALL COMMUNICATION WITH ME REGARDING THIS DEBT. INCLUDING ILLEGAL REPORTING ON MY CONSUMER REPORT. I never gave sprint any written consent to use my private non public consumer information with any affiliated or non affiliated third party. Nor have I ever contracted with Afni Inc . Whom put a total balance of {$690.00} on my consumer report which is damaging to my reputation and my character. Detailed Request for validation of the debt : I am requesting a validation of the debt that was collected by Afni Inc. along with this complaint. The Truth in Lending Act ( TILA ), which is part of the Consumer Credit Protection Act ( CCPA ) of 1968, requires creditors to disclose important information about the cost and terms of credit to consumers before they enter into a credit transaction. This helps consumers understand the terms and costs of a credit transaction and make informed decisions about whether to enter into the transaction. Debt collectors, on the other hand, are regulated by the Fair Debt Collection Practices Act ( FDCPA ), which regulates their behavior and communication with consumers. In any request for validation of the debt, these laws work in tandem. TILA addresses issues between a creditor and a consumer, while the FDCPA addresses issues between a debt collector and a consumer. In this case, SPRINT/Afni Inc. assumed both the role of creditor and collector, by buying the debt from the original creditor. I am requesting detailed proof that the debt was valid, including a copy of the original contract or agreement with my wet signature, and a detailed and signed contract or agreement that the debt collector had the legal right to collect on the debt, including the signed terms between the creditor and collector ( SPRINT/AFNI INC ) sold along with the debt, the amount of the debt, and the name, address, and phone number of the original creditor. Under the FDCPA, Section ( a ) states that a debt collector ( AFNI INC/SPRINT ) must provide validation of the debt to the consumer within five days of the initial communication. I did not receive this validation, which constitutes a violation of the law. Furthermore, the failure to validate this debt violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g ( b ). I request AFNI INC. to send me the validation of this debt as requested above. If AFNI INC. fails to validate the debt, I dispute the reporting of this debt, and request AFNI INC. to contact the credit reporting agencies to remove the debt report from my credit report, as per 15 U.S.C. 1681s-2 ( a ). Detailed Request for verification of the debt : I am also writing within this complaint, a direct and official request for information from AFNI INC. regarding the original contract of the debt that they collected. Pursuant to the Fair Credit Reporting Act ( FCRA ), as a consumer, I have the right to request verification of the debt. The information I am requesting ( 15 items ) includes : The original creditor 's name and account number associated with the debt The name and address associated with the debt The date the account was opened and the date it was charged off or sent to collections The date the account was first reported as delinquent to the original creditor ( original default date ) Itemized billing and payment history associated with this debt The original amount of the debt and the current balance A signed copy of the original contract or agreement, including any terms and conditions that were agreed upon A signed agreement/contract that shows the debt has been assigned or sold to the collection agency The signed terms of debt assignment to the collections agency by the original creditor Information about any interest, fees, or penalties that have been added to the debt Signed proof of ownership of this alleged debt, including documentation or proof that the collection agency has the legal right to collect the debt, such as a signed copy of the original contract or loan agreement The current account number associated with the debt A breakdown of any fees or interest that have been added to the debt Information on any previous collection agencies that attempted to collect the debt The statute of limitations on the debt in Pennsylvania The FCRA requires Afni Inc. to provide this information within 30 days of receipt of this request ( 15 U.S.C. 1692g ( a ) ). Any failure to verify this debt as requested above violates the FCRA, specifically 15 U.S.C. 1692g ( b ). In the event that AFNI INC. fails to verify the debt, I dispute the reporting of this debt and request AFNI INC. to contact the credit reporting agencies to remove the debt report from my credit report, as per 15 U.S.C. 1681s-2 ( a ). However, if XXXX XXXX XXXX can verify the debt with the above request, I will accept the reporting as accurate. It is important for XXXX XXXX XXXX to note the written nature of these requests for validation and verification of information on the debt. Similarly, the responses must be made in writing, and failure by XXXX XXXX XXXX to comply with these requests may result in a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Furthermore, these requests are in line with the FCRA which requires the collections agency to provide me with the documentation that I have requested. I am calling on the Consumer Financial Protection Bureau ( CFPB ) to closely monitor their practices and hold AFNI INC. accountable for their actions. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to reinvestigate credit reports when they receive notice of a dispute, as per 15 U.S.C. 1681i ( a ) ( 1 ) ( B ). I believe that the CFPB has an important role to play in ensuring that credit reporting agencies comply with this requirement and that consumers like myself are protected from unfair treatment. I respectfully request the CFPB to require an update of my credit report to reflect the accurate reporting anticipated out of this complaint. Just like all Americans, I believe that my credit report should only contain accurate and verified information. I appreciate your attention to my long complaint and to this matter and look forward to your response.
12/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75229	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. AFNI bal. {$2800.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX
07/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33326	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. XXXX XXXX XXXX XXXX. bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
10/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19141	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. AFNI bal. {$1100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75243	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. AFNI bal. {$380.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
12/06/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19020	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. AFNI & {$1300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX
11/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76112	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. AFNI bal. {$180.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
11/04/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WA 98042	Web	Servicemember
I come to XXXX every XXXX to run a festival. This year, I got into a car accident 2 days before I was due to come back to North Carolina. I didn't have insurance on the vehicle I was driving. I own the vehicle but it sits at a friend 's house all year long while I'm gone. When I got back, we were in the middle of going through the hurricanes out here and my husband was super busy with school in the military and wanted me to wait to call our insurance back until he could be with me so I didn't say the wrong thing. When I did call, they didn't call me back. We called the adjuster 3 times. Our insurance ended up sending us two letters, exactly the same, one to him and one to me, stating that they weren't paying for anything due to the fact that I didn't have insurance on my vehicle in WA. The other gentleman was getting the payout and that I needed to contact his insurance. Here 's where it's convoluted. While on the scene, WA law states that you must get off the road if your car is drivable - we were sitting in the carpool lane of 5 lanes almost under XXXX headed XXXX on XXXX. There were 2 people in the car even though they claim there were 4 to their insurance. The driver refused to talk to me and said he would not move his vehicle out of the carpool lane even though I stated multiple times that we needed to stop blocking all lanes of rush hour traffic. The other gentleman kept trying to get me to get away from their vehicle and go back to mine. The driver of the vehicle, while I was trying to talk him into moving to the opposite side of the road tried to slam my head in the door getting back into his vehicle but clearly stated he wasn't going to move. An unmarked car showed up and helped us move across the road to the other side where we sat until a state patrolman showed up. The patrolman made sure we had exchanged ID 's and Insurance cards via photographs. The patrolman states that he could not take a report because no one was hurt and there was basically no damage to the vehicles. Mine is a huge XXXX and his is a new smallish SUV. My bumper is basically too high to make any mark on the bumper of the their vehicle and the officer was siding with me so the guy said I'm late for a concert and I got ta go and left the scene. The officer then went and checked on my son in the truck whom said his stomach hurt and the officer said it was probably just from the seat belt locking from my old truck. He asked if I had damages and I said no. We've tried calling XXXX sporadically ( the other guys insurance ), again due to the hurricanes, but they wouldn't call us back either. Now I receive a paper in the mail on Friday, XX/XX/XXXX dated XX/XX/XXXX from AFNI Subrogation Dept claiming they are collections for XXXX and that my license will be revoked and I also won't be able to register any vehicles anymore. I looked up AFNI Subrogation Dept on the internet and there is a slew of fraud cases about them. One thing I found is that they will put on your credit report the first instance with the original complainant ( XXXX ) and then come back later and do it again with themselves ( AFNI ) ultimately charging you twice for the same thing. Another thing I've found is that they don't put on the paperwork anything about the vehicles in the accident. Another thing I've found is that they prefer your checking account info for payments. They have a habit of being beligerant towards people when calling and we've experienced this ourselves. They also can not get my name correct. XXXX ( the other gentleman 's company ) even though they have a copy of my info in two forms, has my name incorrect, AFNI has my name a different way but also incorrect as well. And this major thing that I've found where I talk about the 6 days to act above is this complaint from the internet that mimics mine a lot among many others where they say : " My wife and I received a letter from " XXXX XXXX XXXX Subrogation Department '' claiming that we had caused a car accident on XX/XX/XXXX and we were responsible for damages totaling {$2500.00}! I asked them why we had not received a police report and why we are getting a bill through the mail in such a manner and they had told me that they are in the process of ordering the police report. We received the letter XX/XX/XXXX, two months after this purported accident. I interrupted the first agent I spoke with and said I would like to go on record as declaring that this was a fraud and she said she would put that on file and hung up. Interesting! Second agent I spoke to was a man and he became belligerent with me as I recorded his conversation and told me he would recommend I be quiet or else he was going to file suit against me and contact the state to suspend my driving privileges. He told me never to call back again and he also hung up on me. I called a third time and spoke with another female agent and I requested to speak with the manager or supervisor. I recorded my message with " XXXX '' the supervisor and am waiting for her response. I will record her conversation if she dares to call me back. AFNI is a well know fraudulent company and the best thing you can do is do not contact them, instead contact the XXXX XXXX XXXX or the Federal Trade Commission. They will direct you towards the next step. Usually you will have to send a letter to the fraudulent company seeking legitimate documentation within 30 days. You must also contact your local and state governments by contacting the mayor, or governor and filing a report with them. '' My car accident date : XX/XX/XXXX Amount of claim : {$1600.00} Actions Taken : We called both insurance companies sporadically but neither of them responded to our voicemails.
01/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 483XX	Web
YOUR COMPLAINT Last year I was a victum of identify theft. Supposed someone used my identity to have XXXX XXXX XXXX in my name. So XXXX XXXX turned me into collections and that's how I found about all this. So ok I completed a police report, FTC identity theft report, Identify theft dispute letter, Copy of credit report, Fair credit credit reporting act 609e, FTC notice of furnishings, Copy of my ID, and faxed all this info to XXXX with the supplied fax number they told me to send it too. I'm including proof attached. Ok fast forward a few weeks after that all 3 credit reporting agencies XXXX, XXXX, ,XXXX and the dept collector at that time XXXX XXXX XXXX they all removed and deleted the dept from my credit report all around XXXX. So I thought this nightmare was over. Well fast forward to today XXXX I was recently getting calls on my phone from different collection companies calling about this same dept that was deleted off my credit report on XXXX well XXXX the original collector must of not wanted to delete this so they must of sold the debt to other collection agency 's because the same dept is back on my credit report with different collections companies calling me saying I owe debt when I don't. So XXXX currently refuses to end this even though I sent all the needed documentation to them with proof this was identify theft. A few key notes I would like to provide please. I have talked to so many Cox people on the phone most of of them agree this is crazy and just the information they have about this whole thing they can see its clearly fraud and was not me. I never lived in Kansas, never had a XXXX account in my life, Clearly its not hard for XXXX to see whom lived in this place in question the phone reps told me yes they don't see my name ever anywhere around this address. They know it was not me yet they refuse too take action. Also should be noted I'm the one whom first called XXXX and gave them all my info, my address my phone number my ssn my email basically any info they wanted because they dint know nothing about me because I never used them before that's why. OK heres another fact seems to me if someone was getting Cable services and equipment then a persons ID would be checked and copied so I asked them ok is someone walking around with my ID and they would not answer. Clearly XXXX dint check anything otherwise they would of seen my ID has been the same address since XXXX in MI. And again XXXX knew nothing about me until I called them and gave all my info to them that alone proves they had no ID. So if you ask me with the facts presenting themselves someone either just used my name and SSN to get services and XXXX dint check anything if they did they would of had my ID and known how to contact me. XXXX wont release any info to me because they know this is fraud either on XXXX Part or Identify theft some one using my SSN that's why I did the identify theft report and police report because I had these charges on my credit report and XXXX claims someone was using my info. Very important to state XXXX will not send me any proof of anything even though I sent them a notice of furnishings in the 17 pages I faxed them on info they was requesting. It would of been nice to know if someone is walking around Kansas with a fake ID pretending to be me or was this all just made up by XXXX and they pinned it on my and my SSN that someone just said and that's all XXXX asked for. XXXX needs to be investigated for fraudulent behavior on this account. I tried with all my power with XXXX emailing all sorts of info, documents and it falls on deaths ears. Ok this brings me too the lastest information today. Yesterday On XXXX I filled out the Identity theft verification form I guess XXXX Is now using online stuff so I filled it out again including 7 documents again, police report. FTC id theft, Copies of my ID this current one issued XXXX and my old ID that was issued XXXX both have same addresses as I lived here since XXXX just to prove hey here 's my addresses is has not changed. So more game playing by XXXX as this email comes back today with a ladie from the Fraud Analyst department at XXXX XXXX XXXXXXXX XXXX, XXXX KS. office number XXXX that's the person I guess in charge of account now. She said I need 2 proofs of residency between XXXX and XX/XX/XXXX and a notarized affidavit I told her on the phone you received everything you need and then some but these people will not budge they are crooks and need investigating. I have wasted {$16.00} dollars of my own money faxing everything they asked for back on XXXX, I have followed all rules by the book with a FTC id theft report, a police report, Sending XXXX copies of my ID, several calls to XXXX on the phone giving all my info trying to get this straight telling them any info they want, my credit has been affected severely, the stress these people have put on me is crazy, I get phone calls from debt collectors only to be hung up on when I try to explain this is fraud identify theft, I spent several hours of my time emailing sending documents. If XXXX would actually take 5 min to review stuff I sent several times now they would see this is not right but so far they been unwilling. XXXX is in violation of Federal Fair Credit Reporting Act. On XX/XX/XXXX, I faxed 17 pages asking XXXX to disclose all records on their 609E. I received no records. Under Notice of Furnishing of Information Act, XXXX violated my rights under " Duties when Identity Theft occurs '', Section 623A and 605B. All and future dept collections are in violations as they know this is ID theft they have been told over the phone today Afni is the latest ones harassing with letters
10/23/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28451	Web	Servicemember
This is the letter that I am sending to both XXXX and Afni , Inc. Debt Collection I am XXXX XXXX XXXX and I am responding to your letter concerning the debt of {$1200.00} that XXXX XXXX claims I owe. I am going to describe the series of events in detail below, but to quickly summarize : someone unknown to me and without my permission purchased an XXXX without my authorization using my closed XXXX account. I disputed the charge with XXXX customer service and fraud department, as well as with my bank, XXXX. I am not exaggerating when I say I have been on the phone with XXXX customer service for upwards of 10 hours, with half of that time on hold. This has been an extremely frustrating couple of months : XXXX customer service failed to understand the situation and did not take responsibility for their error. Below is a chronological order of events to help you understand the situation in its entirety. ______________________________________________________________________________ XXXX : I switched my phone service from XXXX to XXXX, and disconnected my XXXX account with only one more monthly phone service bill remaining on my balance, which was paid in its entirety of {$75.00} on XXXX. I had paid off my current XXXX XXXX that I bought through XXXX back in XXXX, so the only bill I received from XXXX is my unlimited data, talk and text bill every month. All obligations to XXXX were fully satisfied and paid in full at the conclusion of my service. The account was closed. XXXX : I checked my online banking and saw a massive charge of {$1200.00} from XXXX taken from my checking account. I immediately went to the local XXXX store in order to have an associate look into this unknown and unauthorized charge on my closed account. A transaction for a new XXXX XXXX XXXX had been billed on my XXXX account with my debit card. The XXXX employee instructed me to call the XXXX customer service, so I stayed in the store and called. They transferred me to the XXXX fraud department, who told me, this is not a XXXX fraud issue, this is your banks issue. So I hung up, contacted my bank, disputed the charge, canceled my debit card, and received my temporary fraud refund from XXXX the following day, XXXX. XXXX : I received a refund from XXXX that was deposited into my checking account for {$1200.00}. I assumed the fraudulent activity had been resolved, so I contacted my bank and notified them that I had received a refund from XXXX. XXXX : I received an email from XXXX stating that I owe them the {$1200.00}, so the issue resurfaced. I called the XXXX customer service and was transferred around to multiple departments for a grand total of 3 hours and 59 minutes. I alerted them that there was a mistake and that I did not authorize that original transaction and it was a fraudulent charge. I was finally transferred to the fraud department. I asked them to investigate and report the charge on my account. They put me on hold for 45 minutes until the call timed out. XXXX - XXXX : I called multiple times in an attempt to resolve this issue with the XXXX customer service for a grand total of an additional 1 hour and 55 minutes. I continued to run into the same issue of being put on hold by the fraud department until the calls timed out. One piece of evidence that came to fruition is that the XXXX XXXX XXXX was purchased at an XXXX XXXX in XXXX, IL. I live in XXXX, NC, and Ive never traveled to XXXX. I contacted my bank, again, to reopen the fraudulent charge and conduct an investigation since it was in fact a clear fraudulent charge ; my bank provided these additional details about the fraudulent provider. XXXX : I received another email stating that I owe XXXX the balance of {$1200.00}. I, again, visited the XXXX store to seek the support and resolution from an associate ; a note was made on my old account concerning the fraudulent charge, but no other steps were offered by the in-person XXXX associate XXXX I called the XXXX customer service a final time and their fraud department redirected me to your debt collection customer service line, where I was placed on hold for 27 minutes. XXXX : I received the Afni debt collection notice in the mail. ______________________________________________________________________________ I want it be made known that I am not trying to dodge a payment from XXXX. I am a XXXX XXXX XXXXXXXX Veteran XXXX who is now in college pursuing a XXXX XXXX. I have an outstanding credit score. I just bought a house at the beginning of summer as well as a new vehicle. I know how to balance my income and debt ratio and I have never missed a mortgage payment or car loan payment and my credit card debt is {$0.00}. I have worked hard to build my credit score and I am not negligent with my money. I am not responsible for the {$1200.00} XXXX charge. XXXX permitted an unauthorized purchase on my closed account. XXXX failed to acknowledge - much less remedy - their egregious error in allowing fraudulent purchases to occur. It is not short of theft. Moving forward : Afni is hereby notified that I am taking the following steps in order to rescind this erroneous collection notification. On XXXX XX/XX/XXXX at XXXX XXXX I submitted a consumer complaint with the North Carolina Office of the Attorney General. On XXXX XX/XX/XXXX at XXXX XXXX I made a formal report of identity theft to the Federal Trade Commission. Concomitantly, I filed a fraud report to the Federal Trade Commission citing both XXXX and Afni as facilitating and supporting fraudulent business practices. XXXX XXXX Contact Information : Email : XXXX Phone : ( XXXX ) XXXX
12/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IA 52402	Web
This is what I sent to AFNI , Inc after receiving their debt collection letter : I recently received your letter dated XXXX XXXX XXXX about an alleged XXXX XXXX debt totaling a staggering {$3900.00} that you and XXXX say Im responsible for. I do not owe this debt and will continue to object to anything remotely close to what your client tries to claim. Based on their letter ( attached ), youll note that my account was closed on XXXX XXXX XXXX and XX/XX/XXXX they put us on another plan on a line with XXXX usage that Ive requested be cancelled numerous times. They point out the amount remaining on our final device is {$390.00}. There should be NO other charges or connections to XXXX XXXX after this amount is paid. Your client failed to resolve several issues with our cellular lines and continued to charge us for lines we never activated and never had any usage on. Within the past four to six months, Ive talked to XXXX XXXX XXXX and Customer Service representatives multiple times pleading that they remove the three unused lines with XXXX resolution. I was in disbelief looking back at months of charges I wrongfully paid ( still have not received any reimbursement for amounts wrongly paid with our XXXX XXXX bankruptcy ). Two letters to the bankruptcy department at XXXX and not even an acknowledgment. After 15 years of loyal service to XXXX, paying an average of $ XXXX, we were forced into a sudden right to cure ( attached ) which had no merit. Repeated attempts to figure this out with representatives and repeating myself over and over not only wastes time and money, but I have yet to receive an explaination for how we got these three lines! I would look at documents, receipts, and statements on my account, but I havent been able to access it since XXXX ( minus the one time I called XXXX XXXX to get my password reset, which was a one-time access code ). Maybe I could provide the proper documentation if XXXX would allow me access to my complete account, which seems nonsensical ; nevertheless I still have NO access to important statements, documents, or receipts because they have blocked my access. Also, why is it I canceled XXXX XXXX as of XXXX XXXX XXXX yet I am charged through XX/XX/? Why is my XXXX XXXX XXXX locked and repeats the message Sorry you cant switch carriers right now? It is a paid off device as you can see from previous statements months ago. I can not use MY phone because XXXX locked itwhy? At any rate, I need all of the following information via postal mail : 1. The amount of the alleged debt, detailed and itemized line by line ; 2. Full name and mailing and contact address of the original creditor with the alleged debt ; 3. Documentation showing you have verified that I or we are responsible for this debt and why I havent received Bankruptcy relief for payments I made that you wrongfully requested and accepted ( included is list of creditors claimed and XXXX is highlighted ), and, 4. Documentation showing you, AFNI , Inc., are licensed to collect debts in Iowa. As Im writing to you within 30 days of being notified by your company about this alleged debt, kindly cease all collection activities until weve received the correct, requested information and XXXX suggested proposal for resolution. We will discuss options with our attorney and the Consumer Financial Protection Bureau. If you continue to collect on this alleged debt, or seek judgment for payment without first providing written verification, youll be in violation of the Fair Debt Collection Practices Act, which Im sure youre familiar with. Further, the alleged debt can not accrue any fees or interest beyond whats allowed by state law or contract with the original creditor. I will continue to accurately keep written record of any phone calls, messages, and correspondence from you and your client and without proper and just solution, I will report XXXX XXXX violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX I have disputed this debt. Therefore, until it is legally validated, your information concerning this debt is assumed to be inaccurate. Accordingly, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) , then you must at once inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly, violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without confirming this debt or offering resolution, I will inform the judge and request that a counter-claim or dismissal is just based on your failure to comply with the FDCPA. Finally, if AFNI , Inc. does not own this debt, I need a copy of this dispute sent to the original creditor immediately, so they are also aware that I dispute the debt in its entirety and am pursuing legal recourse. A fine start would include XXXX unlocking my XXXX phone. This was rightfully and justly moved to XXXX and weve yet to get it unlocked which is something you claim you never do. Representatives cant give me any information as to why this particular phone is locked when it was paid in full and moved XX/XX/XXXX. Again, the entire account was closed XX/XX/XXXX so why are we charged through XX/XX/XXXX? Im quite certain, after 15 years, we will be due refunds for amounts paid to XXXX under bankruptcy ill-practices and therefore, should apply towards the illegal charges you list in your letter with the remaining issued to me.
08/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web
On or about XX/XX/XXXX, I received a call from a representative of AFNI , Inc., a disreputable debt collector. The AFNI, Inc. representative informed me they were calling about a debt due to XXXX XXXX XXXX in the amount of {$380.00}. I informed the representative that this was not a valid debt, that they were the fifth debt collection company that XXXX XXXX XXXX has used to collect this invalid debt, and that any further attempts to collect the debt would result in another complaint about this matter to the CFPB. The very next day, AFNI , Inc. reported this invalid debt to the credit reporting companies as a means to intimidate me into paying the invalid debt. It is worth noting that AFNI, Inc. made one effort to communicate with me and did not request any additional information. It is also worth noting that XXXX XXXX XXXX has likely defrauded at least five debt collection companies by repeatedly selling this same invalid debt. On XX/XX/XXXX, I contacted XXXX XXXX XXXX regarding my Internet service account, XXXX, to inform them I had closed the bank account I had been using for automatic payment deductions and to inform them of my new account. I was directed to a customer service center that was clearly not in the United States, where the XXXX XXXX XXXX representative proceeded to go over my payment details for this account. This XXXX XXXX XXXX representative inaccurately stated that my monthly payment for Internet service was {$70.00} per month. I corrected the representative and advised her it was {$30.00} per month and that this had been my monthly payment, which XXXX XXXX XXXX had been deducting without complaint or notice of change, for more than two years. The representative placed me on hold several times and then told me that the price was {$70.00} per month because I had discontinued XXXX service. I informed the representative that I discontinued XXXX service in XXXX, nearly two years prior to that time, and maintained only the Internet service that XXXX XXXX XXXX had been billing and receiving payment for {$30.00} per month since. It is important to note that XXXX XXXX XXXX never informed me that the Internet service was subject to a price increase and continued to process the automatic deduction for $ XXXX monthly for nearly two years. Of course, had XXXX XXXX XXXX ever attempted to more than double the price for this Internet service, I would have cancelled it immediately. At this point, I informed the XXXX XXXX XXXX representative that I had simply called to change my bank account information and that her repeated insistence that the price was more than double what I had been paying was going to instead result in XXXX XXXX XXXX losing my business. After a few minutes more of this intolerable customer service, the XXXX XXXX XXXX representative informed me she would transfer me to another customer service center. I informed her I would not wait to be transferred and directed her to simply cancel my XXXX XXXX XXXX Internet service. The XXXX XXXX XXXX representative protested and stated she was transferring me, and I advised her that I had now authorized her to only cancel my account immediately. Later that same day, XX/XX/XXXX, I received a voicemail from XXXX XXXX XXXX wanting to discuss my cancellation. Clearly, since all customer service calls are recorded and XXXX XXXX XXXX contacted me regarding such, XXXX XXXX XXXX was well aware of my direction to cancel the service. Somehow, within 30 days, on XX/XX/XXXX, XXXX XXXX XXXX sent me a bill for {$170.00} for Internet service and informed me that the service I demanded they cancel was suspended. On XX/XX/XXXX, XXXX XXXX XXXX sent me another Internet service bill for {$290.00}. ( Notably, XXXX XXXX XXXX bills for XXXX and XXXX suggest they increased the Internet service to more than $ 100 monthly. ) Based on this interaction and egregiously awful customer service, I made a decision to also terminate all of my business with XXXX XXXX XXXX, which included my XXXX XXXX XXXX cellular phone service, account number XXXX. On XX/XX/XXXX, I transferred my cellular service to XXXX and discontinued my XXXX XXXX XXXX cellular service effective immediately that day. However, XXXX XXXX XXXX somehow did not make this connection and continued to attempt to bill me, sending a bill on XX/XX/XXXX for {$380.00} and threatening to suspend the cellular service that I had voluntarily disconnected and transferred on XX/XX/XXXX. It is important to note the disconnect between XXXX XXXX XXXX website and their billing department ; immediately after transferring my service to XXXX, I was unable to log into my XXXX XXXX XXXX account. Clearly, XXXX XXXX XXXX was well aware I had terminated service, yet continued to attempt to bill me for a service they were not providing. At the time I transferred my service to XXXX, my cellular balance was {$0.00} as I had made an XXXX XXXX XXXX cellular service payment on XX/XX/XXXX in the amount of {$150.00}. Clearly, I had no balance at the time I transferred my cellular service to XXXX. XXXX XXXX XXXX has subsequently sold this invalid debt to XXXX, XXXX and now AFNI , Inc. collection companies.
05/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 35613	Web
My dispute is with claims put forth by AFNI their case # XXXX for XXXX XXXX XXXX / XXXX XXXX for an unpaid balance due of {$160.00} As supported by a letter from another collection agency XXXX ( copy of letter attached ) which could not substantiate the charges or reply successfully to my dispute letter filed directly with them they dropped the claim and stated that they would request the removal of any such claim from my credit report. AFNI was supplied the same records - but have refused to answer any of my inquires or disputes and continue to seek collection for money I do not owe. The charges represented have ( 1 ) already been paid in full. ( 2 ) Account closed ( 3 ) Charges being pursued are fraudulent and a result of miss leading, deceptive and fraudulent marketing and sales tactics and have been reported to the XXXX, FTC and appropriate State and Federal agencies as a result XXXX XXXX XXXX and XXXX XXXX had ceased collections prior to being turned over to any collection agency. I have addressed this with numerous collection agencies as well as gone back to XXXX XXXX XXXX and XXXX XXXX and had all of this matter resolved and then XXXX attempted collection and I supplied them with detailed explanation and they replied with attached letter stating unfortunately we are unable to provide the requested documentation within a reasonable time frame and as such XXXX has ceased all collection activity. Further we have requested the account be deleted from any consumer credit reporting agency files this because I DO NOT OWE THE MONEY. Brief History : I had an XXXX XXXX XXXX and XXXX account in XXXX for over ten years, I transferred for employment to XXXX and rented a house. I called XXXX XXXX XXXX and set up an account for the XXXX address ( still maintaining the XXXX account at the same time ). Same scenario with XXXX other than when I asked about the two year contract explaining I may only be in XXXX for 12-18 months I was told that was not a problem, that all I had to do was call them and merge the accounts to my XXXX account since I was a long time customer in good standing. As long as I merged the accounts before I closed the XXXX account there would be no cancellation fees. After a year I found I would be in XXXX longer than expected ( all the time maintain both XXXX XXXX XXXX accounts and both XXXX accounts in good standing paying on time consistently. I decided I would buy a house in XXXX and inquired about moving my XXXX account to a new address XXXX XXXX XXXX and XXXX had merged and the same or like services were NOT available in the area I was moving to. So I instructed them that I wanted to merge my accounts as previously instructed and I was told we dont do that I spoke to numerous managers and finally they agreed to cancel the XXXX account without penalty I paid both the final XXXX XXXX XXXX bill and XXXX XXXX over the phone for the XXXX account. Returned the equipment and kept maintaining the XXXX accounts for a few more months. Once the move was complete I cancelled the XXXX accounts paid the final bills over the phone on both XXXX XXXX XXXX and XXXX and returned the equipment. Some months later I received additional bills which I questioned and it was explained that they were charges made and due after my final payment had been made but were due prior to that billing date seemed reasonable so I paid them over the phone. After a few months I received additional billing which I disputed providing XXXX XXXX XXXX and XXXX with full payment information only to find the charges were for early cancellation which had been previously waived by a manager. I refused to pay. Upon further investigation I realized they were billing me not only for cancellation but also fees already previously paid. I provided them with proof I had over paid by {$78.00} and requested an immediate refund all correspondence ceased until a few collection agencies began sending bills. I responded to all of these with the proof the account had been properly paid ( actually over paid ) and that any demand for payment would be tied back to early cancellation fees which I was not going to pay due to the fraudulent marketing tactics and misrepresentations made by the series of managers that took them off my bill. All was quiet for about a year and then I got collection letters from AFNI and XXXX about the same time I responded to each identically and eventually XXXX acknowledged that they had no grounds for collection and could not dispute with proper documentation my claims against the collection. AFNI has refused to acknowledge nor respond to my dispute and as a result have filed negative information on my credit report causing a negative reflection on my credit score - their tactics and false claims should not be allowed to continue. All three credit reporting bureaus have been notified and all have removed this same collection report from my credit prior as claimed by other agencies - but not AFNI - though I just recently submitted new disputes for this same claim.
07/31/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60617	Web	Servicemember
This is a request as authorized by the FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] This request is regarding the account listed below XXXX XXXX XXXX. This account has previously been reported on my credit file and was subsequently deleted after the item was disputed and could not be verified. On XXXX XXXX. I requested a copy of my credit report under my rights through the FACTA act. This item was not contained in my credit file on that date. On XX/XX/XXXX, XXXX, after being denied credit for a home student based upon negative information being reported through XXXX XXXX XXXX. I requested a second copy of my credit report under my rights to review my credit report after denial of credit. The account in question suddenly reappeared on the report dated XX/XX/2021. I immediately completed an online dispute for this account. In response to this dispute you sent me a letter dated XX/XX/2021 ( with confirmation number XXXX ). In this letter it stated that my investigation was completed and that you verified that this item belongs to me. I have two problems with the way reporting on this account has been handled by Equifax. First, according to my XX/XX/XXXX credit report, this item was reported in XXXX. Even giving you a very generous assumption that this item was reported to you on XX/XX/2021. I find it very difficult to believe that " additional information regarding this item '' sufficient enough to prove this is my account could have been provided to you by XX/XX/XXXX, only one day after the account was re-reported to you. Furthermore, I find it very odd that you're letter " verifying this account '' predates my dispute of this account. Additionally, you are in violation of FCRA 611 Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] for your failure to notify me in a timely manner of this tradeline being reinserted into my credit file. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions as follows : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( : blink : ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. ( ii ) If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data. Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph and a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please furnish me with a full description of the procedures used to determine the accuracy of the information. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( ( iii ) by not later than 15 days after receiving a request from the consumer for that description. In accordance with the above requirements of the FCRA, please furnish me with all requested material within 15 days
05/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21236	Web
This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You { AFNI XXXX } You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST { AFNI } 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something 15 USC 1681 s-2 Says you { AFNI } are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. YOU HAVE 10 Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k. DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. AFNI Acct # XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
12/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 357XX	Web
On XX/XX/2020 the mortgage company that I have been working with to obtain a mortgage to buy a home contacted me by phone and stated that in order for my loan to proceed I would need to contact the collection account holder ( AFNI , Inc. ) that is reporting on my XXXX and XXXX credit reports and reach a resolution on the XXXX XXXX account with a balance of {$280.00}, I was advised to request a pay for deletion of the account. On XX/XX/2020 after I had obtained the contact information as well as account information I called AFNI, Inc. at XXXX XXXX. and explained to the gentleman that answered the phone that I was needing to reach an agreement of paying the negative account in full and having the collection account permanently removed from my credit reports so that my home loan would be able to close on XX/XX/2020 as scheduled. The operator advised me that if I paid the account in the full amount of {$280.00}, he would submit a request to the credit bureaus to remove the account from my reports. Before I provided my debit card information to pay the {$280.00} I asked specifically how I would be protected with the collection agency upholding their end of the agreement and was told that AFNI, Inc. would be mailing me 2 letters of the transaction in 5 to 10 days time. The first letter would be a statement of the account showing the balance having been paid in full and the second would be a copy of their request to the credit bureaus of the account being deleted from my reports. I then paid the full balance of {$280.00} with my debit card and was told the charge would show on my bank statement as XXXX XXXX as they were the original creditor and he provided me with a confirmation number of XXXX of the whole days transactions of the payment, letters to me, and credit bureau requests, to provide to AFNI, Inc. if I ever were to need to contact them again on this account. I thanked the operator and hung up the phone. I then contacted the mortgage company by phone and updated the transaction that had just taken place. I was asked to call AFNI, Inc. back and request if they would either email or fax the request letter to the credit bureaus that AFNI , Inc. was going to send to me in the mail instead be sent electronically to the mortgage company. I called AFNI, Inc. back at XXXX XXXX. and made the request to have the letter either emailed or faxed to the mortgage company. The male operator I spoke to looked up the account information and said that no letters could be sent in any format whether it be through the mail or electronically and AFNI , Inc. wouldnt request the removal from the credit bureaus until the payment I sent cleared their account. On XX/XX/2020 the payment cleared my account so I called AFNI, Inc. at XXXXXXXX XXXX and was advised the letters would be mailed that day. When I requested that the letter pertaining to the credit bureaus deletion request be emailed or faxed to the mortgage company I was advised that AFNI, Inc. has no access to sending electronic information via fax nor email that I would simply have to wait for the mail to run. On XX/XX/2020 I received a notification on my phone from my credit monitoring service that there had been an update to my credit file. When I checked the update AFNI, Inc. had updated the account as being paid in full, they did not remove the account as they had stated they would do. I called AFNI, Inc. at XXXX XXXX. and explained to the male operator that AFNI , Inc. had only updated the account and not deleted it as the agreement had been. I explained to this gentleman again the importance of this request as I can not close on my home loan without the account being deleted and that my family will be facing homelessness as our apartment that we are currently in has already been leased to another tenant on XX/XX/2020. The operator stated that AFNI, Inc. does not remove accounts from credit bureaus after being paid in full. When I explained the contact that Ive had with AFNI, Inc. in regards to our agreement and provided him with the confirmation number that had been provided to me that would verify the payment, the letters, and the credit bureaus request, he again stated AFNI , Inc. doesnt offer that and hung up on me.
12/27/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32250	Web
Summary complaint : I was told by a XXXX XXXX representative at an XXXX XXXX XXXX that any device agreement has a 30 day reversible period. I returned the device within 30 days. The device returned was not credited to my account and I was unable to receive my traded-in device. There was a {$600.00} credit offered on the trade-in device but that was never credited to my account either. These companies set a 30 day return policy that they can not cover and this is the beginning of my complaint. A second part of my complaint is that a device had to be charged to my account ( an XXXX XXXX ) to be activated and try on but I never took it home that day and it was still listed on my account due. I am in dispute about being charged for a device that I did not receive. XX/XX/XXXX Trade in XXXX XXXX for XXXX XXXX for {$600.00} value Traded Device market value {$100.00}, Promotional value applied {$490.00} unable to get device back that was traded-in. I was then told that all trade-ins are final. This was not told to me on the initial date of trade-in by the representative. XX/XX/XXXX - called @ XXXX XXXX XXXX {$480.00} current charges, credit {$67.00} line disconnected on XX/XX/XXXX. sending bill by mail arrival on XX/XX/XXXX XX/XX/XXXX - received final bill in mail with final bill {$550.00} - current balance {$2800.00} including past due {$480.00} - called XXXX customer service @ XXXX CST - Spoke with XXXX - She helped me identify which phone numbers went with each device- I requested a copy of the Device Payment Buyout Charge Agreements- XXXX couldn't tell me to which devices the buyouts applied because my account was closed - XXXX told me to go to store that made the agreements and get a copy from them - call ended @ XXXX CST XX/XX/XXXX @ XXXX CST spoke with XXXX? put on hold for 7 min will email me the service agreements, returns, and charge backs via email. -- I received the attachments XX/XX/XXXX @ XXXX CST Called XXXX customer service. Spoke with someone at Customer service who said Three way call with XXXX at XXXX XXXX. XXXX unable to verify my account. Ended call at XXXX CST XX/XX/XXXX @ XXXX CST Called XXXX XXXX Customer Hotline and spoke with XXXX XXXX account Total {$1800.00} : {$490.00} for XXXX, {$760.00} for XXXX XXXX, {$600.00} credit for XXXX XXXX XXXX Escalated to " Upper Management '' for review by researcher Expect email/phone response for review in 7-10 days Call ended at XXXX XXXX CST XX/XX/XXXX @ XXXX CST called XXXX Customer Service 8 minutes to get through the automated phone bank Spoke with XXXX. I informed them that I am still working on the refund from XXXX XXXX and am not ignoring their final bill. Call ended @ XXXX CST XX/XX/XXXX Sent copy of XXXX final bill along with other documentation to XXXX XXXX Customer Service @ XXXX EST I called XXXX customer service to remind them I am in dispute with XXXX XXXX and waiting for a credit to final bill. XX/XX/XXXX @ XXXX EST called XXXX XXXX, spoke with XXXX I told her the problem. She said the case was closed but she re-opened it. XXXX said a Researcher will get back to me in 2-4 business days. XX/XX/XXXX Received email from XXXX XXXX XXXX about this information being reviewed and " Please allow up to 10 business days for the next update. '' XX/XX/XXXX I received a debt collection paper from Afni , Inc for {$2800.00} @ XXXX I called XXXX : I spoke with XXXX XXXX spoke with XXXX : She reports the only note in my system is that I be transferred to Afni, Inc. She specifically said that there are no notes about my previous calls. I asked to speak with a supervisor, XXXX. I spoke with XXXX who is in Financial Services. He repeated that the note is to transfer me to Afni Collections. He did offer to transfer me to billing since there is a dispute. XXXX transferred me to the billing department. @ XXXX, I spoke with XXXX in customer service and he was helpful. He said he was recording our information for others to hear about. He recommended that I try the store again about the returns. He did confirm that the {$760.00} has been credited to my account which is for the XXXX XXXX. This amount was credited to the account today.
10/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30318	Web	Servicemember
AFNI has added an account showing me as being deliquent with them. I have previously let XXXX know that they allowed someone to open an account in my name without my permission. That person is XXXX XXXX. This person stole my personal documents specifically my social security card/number. I have never contracted to do business nor are they in receipt of any such request on my behalf. I am sending them a cease and desist letter because of the following : Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information from them because I have some questions. I need to hear from them to make an informed decision about your claim that I owe this money. I am open to communicating for this purpose. In order to make sure that I am not put at any disadvantage. Please remove this entry until all research and validations are completed. THIS DEBT IS NOT MINE.
07/05/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77449	Web	Servicemember
I was unintentional to the fact that my XXXX insurance policy was being canceled on XX/XX/XXXX. At this time I suffered from various illness without successful treatment, diagnosis 's, or tolerable maintenance of day to day : normal functioning. Due to various doctors ; as well as specialist, that were continually unable to diagnose ; let alone treat or even aliviate my daily debilitating symptoms I suffered from, life became a day to day achievement to accomplish simple daily or work task. Clearly I was not equipped to prepare for, let alone physically or financially fight for my justice in this situation ... .initially. Now, Due to having my XXXX insurance packet ; which stated XX/XX/XXXX to XX/XX/XXXX I was left under the assumption that my insurance policy was still active upon the occurrence of the accident on XX/XX/XXXX and XXXX would handle the claim with Mr. XXXX as they typically do for all their clientele. This is when things started to go south. XX/XX/XXXX XXXX sent a letter acknowledging I made the claim against myself. And from there I thought the situation would be handled through the two insurance companies as they typically are. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX. It stated I needed to pay {$1300.00} otherwise the threatening ultimatems were listed on the document below such as : if I did not make the payment they would take me to court litigation and require me to not only cover my fees, but Mr. XXXX fees as well. Also threatened to have my wages garnished and bank accounts seized. I am a single mother on Public Assistance and even after explaining that to him stated well skip some bills, or borrow from your parents, you can not get a loan? At this point I was in uncharted territory and although I knew he wasn't performing his job to the best of his ability or even professionally, I was truly trying to to the right thing and pay back Mr. XXXX. That did not matter The agent forced me to pay two installments of XXXX $ within a 30 day period at that point he stated if I did not make the payment within the month he would then go forth with further retaliation. He basically continually verbally implying that I needed to make this payment today or else I would have serious financial repercussions to follow. On XX/XX/XXXX I paid {$900.00} to the company AFNI. As the agent forced me to agree to have to again on XX/XX/XXXX pay another {$900.00} to which it was then claimed to be paid in full to AFNI for Mr. XXXX. HOWEVER, the issues mainly arise with 1. the two year statute from the day of accident. ( I'm not too knowledgeable on this criterion ), also the false threats to garnish my wages, take my car and home. On top of all this the price was initially stated to be XXXX $ by AFNI on the date I paid XXXX . The balance stated on the XX/XX/XXXX statement for the last {$900.00} payment stated the same damage to the vehicle and total owed was XXXX XXXX Now during this whole conversation I understand that XXXX $ + XXXX $ clearly already exceeds the damage total I was told I owed. I spoke with an XXXX representative about the case today he clearly explained how regardless if I was in a financial situation and unable to pay the damage total should've never continually climbed to a grand total of almost {$2000.00} when initially it was claimed to be XXXX XXXX So the fact that I am a single working mother I am enraged I was fully taken advantage of due to my ignorance of legalize. What made his actions even more unethical and unjust was his awarenesses of my situation ie : poverty level and being on public assistance he continually harassed me through phone calls and statements that if I did not pay I would have legal litigation come against that me that would of cost me more money in the long run. Potentially resulting in me losing my house and my car because he asked me the value of my vehicle. That's the situation, I would truly appreciate if you could help me or at least point me in the direction to someone who can. Thank You
11/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
THE COMPANY " AFNI '' HAS MAILED CORRESPONDENCE IN THE MAIL STATING I OWE THEM AAN ALLEGED DEBT.I HAVE NO AGREEMENT WITH AFNI. THEY HAVE PURCHASED A DEBT WITHOUT ME BEING INVOLVED IN THE TRANSACTION. AFNI INC HAS CREATED A DUPLICATE ACCOUNT. PURSUANT TO 15 USC 3002 I AM A NATURAL PERSON. PURSUANT TO 15 U.S. Code 1692e.False or misleading representations. USC 1692 NOTES A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ( 13 ) The false representation or implication that documents are legal process. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title. ( Pub. L. 90321, title VIII, 807, as added Pub. L. 95109, XXXX XXXX XXXX, 91 Stat. 877 ; amended Pub. L. 104208, div. A, title II, 2305 ( a ), XX/XX/XXXX, 110 Stat. 3009425. )
04/29/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	LA 70817	Web
I was a XXXX customer and my 2-year agreement ended on or around XX/XX/XXXX, and when the price increased and they refused to reinstate the " perks '' of my previous agreement, I requested the account be closed. I had also gotten XXXX XXXX XXXX to install internet service at my residence around XX/XX/XXXX with no agreement to maintain the service. On XX/XX/XXXX, I contacted XXXX XXXX XXXX ( who had purchased XXXX after my agreement with them began ) to have them terminate the XXXX XXXX as well as the internet service. This was four ( 4 ) days into the new billing cycle and the representative told me that she could not cancel the service once the new billing cycle had begun because XXXX XXXX XXXX does not do " pro-rated billing. '' Because I was no longer contractually obligated to XXXX or XXXX XXXX XXXX, I insisted that the service be terminated immediately as I was not willing to pay for services I no longer wanted nor was contractually or legally obligated to maintain. Again I was told my service couldn't be terminated until the billing cycle ended so I informed this representative that I would only pay for the four ( 4 ) days that I had used the services. The services in question are always billed in advance ; therefore, only the four ( 4 ) days of service should've been in question. I have had countless conversations with various XXXX XXXX XXXX individuals regarding this issue yet XXXX XXXX XXXX has refused to budge. I have been contacted by three ( 3 ) different credit collection agencies regarding this situation and have explained to each of them that my only legal obligation to XXXX XXXX XXXX is for four ( 4 ) days of service, and that is all I'm willing to pay XXXX XXXX XXXX. Approximately 1-year had lapsed from my last contact about this issue but I was recently contacted by a fourth ( 4th ) collection agency ( AFNI ) again insisting I owed XXXX XXXX XXXX {$140.00} for the entire month of service. This agency ( AFNI ) sent a negative report to the credit bureaus several days ago and my credit score dropped from XXXX to XXXX. I had written the credit bureaus in XXXX of XXXX explaining the dispute I was involved in with XXXX XXXX XXXX and requested they not place negative information in my credit report regarding this issue yet they did anyway. It appears that although this issue began approximately two ( 2 ) years ago, AFNI falsely reported it to the credit bureaus with the date of XX/XX/XXXX, as if it just occurred. I do not intend to allow myself to be extorted by XXXX XXXX XXXX under threat or fear of my excellent credit rating to be more severely and or irreparably damaged by their actions. My attempts to resolve this issue with XXXX XXXX XXXX have fallen on deaf ears and they refuse to realize that their internal rules regarding " pro-rated billing '' does not apply to me because I never entered into any agreement with XXXX XXXX XXXX, nor was I notified that this policy was in effect. I learned about the policy when I decided to terminate the service. The only legally binding agreement I entered into was when I agreed to XXXX service for a two-year term, which I completed and then sought to not renew. XXXX even refunded me {$60.00} as a credit for overpayment, which I received via a debit card. The billing department at XXXX XXXX XXXX apparently is separate from XXXX because as they are telling me I owe them {$140.00}, XXXX refunded me the overpayment based on when I had the service terminated ( always billed in advance ). I have numerous documents, emails, promotional letters, etc. which clearly show that I was not contractually obligated to maintain any service with XXXX XXXX XXXX any longer than I did and feel as though this is corruption at its finest! XXXX XXXX XXXX is committing extortion on me for my refusal to pay {$140.00} by severely damaging my excellent credit rating. I intend to send another letter to the credit bureaus regarding this and hope I can get some fairness. I need help with this issue!
11/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77084	Web
THE COMPANY " AFNI '' SENT CORRESPONDENCE IN THE MAIL STATING I OWE AN ALLEDGED DEBT. I HAVE NO CONTRACTUAL AGREEMENT WITH " AFNI " NOR WAS I INVOLVED IN THEIR PURCHASE OF THIS ALLEDGED DEBT, FROM ANOTHER COMPANY. AFNI HAS CREATED A DUPLICATE ACCOUNT. PURSUANT TO U.S. Code 1692e. False or misleading representations. XXXX : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. ( 13 ) The false representation or implication that documents are legal process. ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. ( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title. ( Pub. L. 90321, title VIII, 807, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 877 ; amended Pub. L. 104208, div. A, title II, 2305 ( a ), Sept. 30, 1996, 110 Stat. 3009425. )
06/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30152	Web
The debt I'm filing this complaint about is ANFI, a collection agency. The original debtor is XXXX. My complaint is two fold : 1 ) This is not a valid debt. When I left XXXX ( more than 3 - 4 years ago I had a -XXXX- balance ... I paid in full what was owed when I closed the account, thus I owed / owe no money. XXXX contacted me a few months after I closed it saying I had a balance I owed. I explained to them that my balance was paid in full, thus I owed them nothing. I stopped answering any of their NUMEROUS phone calls ( bordering on harassment ) and didn't realize that they had turned this false debt to a collection agency ( AFNI ) until I began receiving " Collection Notices '' from them for this invalid / incorrect debt. I didn't answer any of these notices, and had NO CONTACT with them, either via phone or written, at all. I disputed this debt via XXXX XXXX twice, and both times it was deemed as a valid debt and no action was taken to remove this from my credit report. 2 ) I haven't had XXXX as my telecommunications company in NUMEROUS ( 3 - 4 ) years, yet my credit report states that this debt was " opened '' on XX/XX/2020 ( just 9 months ago ) ... .THIS IS NOT / CAN'T BE TRUE!!!!! I was told that negative items will drop off your credit report in 7 years provided that I had no communications with either the original debtor ( XXXX ), nor the collection agency ( ANFI ), which I hadn't since my initial / one time contact with XXXX when I was 1st billed. By them changing the account opened date to just 9 months ago they've fraudulently changed the date in an effort to HARASS, and in fact, HARM me. I first became aware that this debt was turned over to ANFI 2 1/2 years ago, thus the Date Opened of XX/XX/2020 is a lie ... .an obvious attempt to negatively affect my credit score for years OVER the 7 years it would have dropped off ... .like I stated before, I haven't had XXXX as a provider in NUMEROUS ( 3 - 4 ) years ... not since the stated date XX/XX/XXXX I'm not in a financial position to retain an attorney about this debt, thus I was forced to wait out the 7 years before it dropped. I was under the assumption that I wouldn't need credit for the rest of my life, but I was incorrect as every aspect of life depends on your credit score, and having this negative INVALID mark on my report damages me extensively!!!! I can not obtain a credit card, receive a loan from any financial institution, obtain any services without a deposit needed, nor change my place of residence because all of these are determined solely via your credit score ... .having this incorrect ( INVALID ) negative mark lowers my score significantly, to the point where it is now ... .AND SHOULDN'T BE!!!! Please investigate this matter and take the appropriate actions against both XXXX and AFNI due to both of their practices to attempt to HARRASS, or better said, downright HARM me. This shouldn't happen to anyone, and the fact that it's happened to me is downright MADDENING. I would be more than happy to bring legal action against both companies, but as stated before, I'm not financially able to. I do not have specific dates of when I obtained XXXX as my provider, nor when I left them, due to it being such a long time ago ... I've discarded anything and everything concerning this thinking I wouldn't ever need to need them. I also discarded all communications from AFNI because I had no intention of contacting them. The years I've given are an estimate, and I've actually under represented them so that my complaint doesn't seem like an exaggeration ... .this INVALID debt might be well be over the years I stated that I left them ... it might well be over 4 years. The amount of the stated debt is {$250.00}. Please help me and please take appropriate actions against both companies before they continue to do this to me, and also to protect other consumers who will have this same problem with them. Thank you very much.
08/30/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85037	Web	Servicemember
AFNI, Inc contacted me in XX/XX/XXXX claiming I owe them for an alleged debt from XXXX XXXX from XX/XX/XXXX. I asked them to validate the debt and they sent me a letter from their company claiming the attached documents showed to validate the debt however all they did was attach old XX/XX/XXXX XXXX XXXX phone bills. I asked them to provide me with validation according to the Fair Credit Reporting Act which is either an executed contract with true signatures of myself and their organization showing we have done business, or in the case of a third party debt collector, they must provide a chain of assignment as proof they legally acquired the debt from XXXX XXXX and every organization within the chain of custody. They refused to provide me with any further information. I then attempted to dispute this item with the three major credit bureaus ( XXXX, XXXX, and XXXX ). I wrote each a certified letter with return receipt three times within the last four months. Each time each of the credit bureaus would conclude the information was verified and continue to report. I would follow up each dispute after the 30 day period and call. Each rep would tell me the same thing that basically it does not matter what I put on my dispute if AFNI responds and simply states the collection is validated and verified then each bureau would continue to allow them to report regardless if they have provided proof or not. On the third attempt at dispute however AFNI did not respond to XXXX and they have removed this item from my report. I also sent a certified letter with return receipt to AFNI a month and a half ago demanding validation of the debt before I submitted the third dispute to the three credit bureaus and AFNI has not responded to me at all. I called AFNI today before contacting the Consumer Financial Protection Bureau to give them a final chance to resolve this issue. They stated on the phone verbally to me that they do not have a signed contract nor do they have a chain of assignment. They simply stated they have a right to collect on any alleged debt because they have a license to do business in my state. They refused to cooperate any further. When I called XXXX and XXXX today to give them their final chance to resolve the issue they each came back with the same results. The XXXX representative even went so far as to tell me that it does not matter what I place in the dispute they will submit it to AFNI as disputing inaccurate information and as long as AFNI responds to them with a statement that says This account is validated and verified the bureau will continue to allow the collection agency to report to my credit account without any further investigation or proof. They knowingly allow this fraudulent activity to continue. I also have let AFNI and all three of the credit bureaus know that AFNI continues to report this alleged debt account as being opened on XX/XX/XXXX even though the XXXX XXXX bills they present are from XX/XX/XXXX. None of the entities will correct this incorrect aging of the account. Doing research on AFNI, Inc they are well known for their immoral and often illegal debt collection practices. They have a long history of consumer complaints about aging debt, collecting on invalid debt, debt that has already been paid, or debt that a consumer never had. On the CFPB site there is at least 1800 complaints on file, there are 732 complaints with the BBB, and thousands of other complaints on other consumer complaint and fraud warning sights. AFNI continues to operate outside of the FCRA and the FDCPA at the expense of consumers by way of damaged credit reports and ultimately higher interests loans and services and often times denial of credit, new accounts or even employment. I have attached proof of correspondence as copies of the certified return receipts to each entity as well as an example of an original dated letter to each entity.
03/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 93304	Web
Back on XXXX XXXX I contacted AFNI INC because there was an XXXX account that was on my credit report. I had disputed it the month prior and had received investigation results from the credit bureaus stating that the account had been verified with the collection agency AFNI. Because I 've had my XXXX account since it was XXXX XXXX I was very disappointed and frustated to see that there is a debt owed to XXXX and that it was being verified. When I spoke with AFNI I spoke with a representative named XXXX. Besides the fact that it took 21 minutes to be able to get a hold of a regular collector, I was very concerned to hear that the debt stemmed from an account I co-signed for a friend from XXXX XXXX to XXXX XXXX. Although I did sign for this account, I was never once notified that there was ever any deficiency balance. Because the service lasted the entire 2 year contract with no notifications of any money owed, I asked where the bills were being sent to. I was given an address that I never lived at. When I asked the collector where the collection agency was sending the collection notices I was more shocked to hear they said it was my address I live at now. I was shocked to hear that because I 've only lived at my current address for 2 years. This debt originated in XXXX until XXXX. This was years before I lived at my current address. Furthermore, I 've never received any notices that they claimed were sent to my address. When I asked if they had ever tried calling me they also gave me XXXX numbers that did not belong to me. They did state that no phone contact was ever made. When I asked if I could simply pay the debt and have it removed from my credit report because I have never received any notification of the debt and therefore never given an opportunity to dispute the debt they said no because they never " got any return mail. '' I then asked to speak to a supervisor. The supervisor who spoke with me was named XXXX. I re-explained the situation to XXXX on how I only found out about this debt because I saw it on my report recently. I was never notified about it by mail nor by phone and now that I am finding out about it trough the credit reporting, I would like to take care of it and have it removed from my credit report for that same reason. The supervisor said no because she claimed I was receiving notices and that they sent me the notices to my current address. Furthermore, she said that XXXX XXXX XXXX had provided an e-mail address of XXXXXXXXXXXX and therefore I had been contacted. I informed the supervisor that I 've never had that e-mail address and that now I was gravely concerned. I 've had the same yahoo e-mail address for over 10 years and that is n't it. She also said she got my address for this debt from XXXX XXXX XXXX which is highly unlikely since my current address did not exist at the time this debt originated from. After much arguing and deliberating back and forth, she simply tried to transfer me to another supervisor and then to the customer relations department. I was sent straight to a voicemail. I understand that this is possibly a debt I owe. I did sign for it many years ago and the possibility that a balance exists is something I wo n't deny even thought the fact that the phone service was completed raises many questions its even legitimate. My concern is that I 've never been given notification of the debt and therefore never been given the proper chance to dispute it or even acknowledge it 's legitimacy. As I quoted the law to the collection agency ( XXXX ) a statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; The law says after receipt of notice not simply when they sent it. Because they have no proof that this was ever received by me, they are in violation.
07/08/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33023	Web
on XXXX 2020 a collection was placed ion my consumer credit file by the company AFNI for the amount of {$930.00}, i never received no proper documents when i asked for this company to validate this date, they have violated my rights as a consumer under fair debt collection practices & fair credit reporting act ..the list below is where this company has violated my consumers rights 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt.
08/16/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55426	Web
XXXX XXXX Afni Inc Date : XX/XX/XXXX Re : Acct # To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of Appellee at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from you within 15 days. I look forward to hearing from you, XXXX XXXX
06/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30518	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX AFNI, INC. XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX RE : Collection account : XXXX ( {$1000.00} ) To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal. Best Regards, XXXX XXXX.
10/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95125	Web	Older American
Note : This complaint is a repeat of complaints XXXX and XXXX, but involving a third collection agency, Anfi. We dropped XXXX as our mobile provider in late XX/XX/XXXX. XXXX XXXX account XXXX, XXXX. XXXX Ref. No : XXXX, XXXX XXXX XXXX, acct # XXXX, Anfi account # XXXX. ) We returned all 5 leased phones, all of which XXXX acknowledges receiving. The 3rd from last bill ( XX/XX/XXXX XXXX XXXX, XXXX ) was for {$940.00}, prior to their receipt of the 5 phones. The 2nd from last bill ( XXXX XXXX XX/XX/XXXX ) was for {$340.00} with a credit of {$720.00}, apparently for the returned phones. The last bill XXXX XX/XX/XXXX XX/XX/XXXX ) was for {$27.00}. I also received a check from XXXX, dated XX/XX/XXXX, for {$350.00} which is apparently the reconciliation of the above amounts. I have participated in several chats with XXXX ( for which I have transcripts ) trying in vain to get an explanation for several XXXX dollars in charges. On XX/XX/XXXX, I received an email from XXXX demanding immediate payment of {$950.00}, this despite the last bill above stating " This is your final bill for wireless services '' with a balance of {$0.00} ( copy attached ). The XXXX email included : It's important that you resolve this immediately to prevent further collection action that may include : Your account being sent to an outside collection agency. Your account classified as " bad debt '' with XXXX if the account remains unpaid at the collection agency. Your account reported to the three national credit bureaus as past due. One more chat with XXXX ( XX/XX/XXXX ) to inquire about this includes the following : XXXX XXXX : As I check here that this charge of {$940.00} on your account was your previous payment on XX/XX/XXXX that has been refunded on you back on your account. I verified that XXXX did indeed credit our Mastercard with that amount on XX/XX/XXXX. ( The difference is presumably charging me interest which extrapolates to about 10.8 %. ) I immediately asked : " Why was this done and why was I not informed? '' However, no explanation was provided. I was transferred to XXXX 's " finance team '', but the only explanation I received was : XXXX : I do want to assist you with your concern. However, upon checking, there is a specific department handling the account. All payment or financial related concerns of this account must be handled by that dedicated team. It will be best if you contact them for assistance. You can reach them by calling this number XXXX to have your concern resolved at your satisfaction. You : Can I chat with them? I would like a record, please. XXXX : I am sorry but they do not operate via chat ; over the phones only. You : And you can explain none of this? XXXX : I am really sorry ; please do not feel that I am refusing to assist you because I will if only I have the right access. I am assuring you that if you contact them, they can answer your inquires. On XXXX XX/XX/XXXX, XXXX debited my credit card for {$950.00}. I disputed this charge with my card TYPE OF ISSUE Debt was paid provider ( XXXX ). XXXX offered no response or justification to this dispute, so the charge was reversed. I received a letter from XXXX. XXXX, a collection agency, on XXXX XXXX saying that I owed {$950.00} and have 30 days to respond. Presumably as a result of my prior CFPB complaint ( XXXX ), XXXX. XXXX withdrew it's request for payment. I subsequently received a letter from XXXX XXXX XXXX dated XXXX XX/XX/XXXX, received XXXX XX/XX/XXXX attempting to collect a slightly larger amount of {$960.00}. Presumably as a result of my prior CFPB complaint ( XXXX ), XXXX XXXX XXXX withdrew it's request for payment. I have now received a letter from Anfi dated XXXX XX/XX/XXXX, attempting again to collect {$960.00}.
12/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IN 46307	Web
On XX/XX/XXXX I had XXXX telephone conversations with a XXXX with XXXX customer service department. On our XXXX phone conversation I cancelled my contract with XXXX and asked XXXX what my final bills and cancellation fees would be. He gave me a figure of approximately {$240.00}. I made payment over the phone with him using a credit card I had been a loyal XXXX customer since XXXX, but the issue that I had with XXXX started a couple of weeks prior to my cancelling my contract. I order a new phone via XXXX customer service over the phone. The CS rep who processed my order and then told me I was eligible for a free tablet. I asked about activation fees and what the monthly fee for the tablet would be. He stated the tablet would only be a {$10.00} fee. So, I accepted. When the phone and the tablet arrived via mail, they had sent me the wrong phone. I had ordered the Galaxy S6 Edge and they had sent the Galaxy S6. I also checked my XXXX bill online and there was a charge for the tablet of approximately {$240.00} along a premium insurance charge of {$30.00} along with {$10.00} fee I was quoted for the tablet. I called XXXX customer service and explain the issue and XXXX customer service said they would send this to their " Account Resolution team '' to listen to the phone conversation when I ordered the phone. They stated someone from the account resolution team would get back to me within 3 business days. A XXXX ( or possibly XXXX ) from the XXXX Account resolution team left me a voice mail message within a couple of days. In the message, he stated that yes, I was sent the wrong phone and that I was also given misinformation about the tablet. He said they would send me a box to return the phone and that they would credit my account by {$10.00} each billing cycle for the tablet. He also left me the number to the Account Resolution Team if I wanted to discuss the issue. I called the number and I spoke with female rep that I no longer remember her name. I tried to explain that I did not want the tablet anymore and I did not understand why they would charge me for the tablet that they confirmed I was given false billing information about. At this point in the conversation she said she would have to transfer me to Account resolution team which was the number that I called and got to he??. I was put on hold and the call disconnected. I made several other calls to XXXX customer service to get this resolved and every single time I told them I did not want the tablet, that I was not satisfied with their billing solution, I was put on hold and the call would disconnect. Becoming frustrated I took both the phone and the tablet to a XXXX Store In XXXX Indiana and spoke with the store manager. He told me that I could not return the devices to his store that I would have to take them to corporate store and told me that a corporate store was in XXXX Indiana. On XX/XX/XXXX, I took both devices that I had not activated because I did not want them to the corporate XXXX store located in XXXX Indiana. I waited 25 minutes to get a store rep to help me. She got on the computer pulled up my bill. Did not understand the issue and made a phone call to someone within the XXXX organization. They could explain through their phone records the issue and she finally understood. Once she understood the situation I told her that I never had received the box to return the phone and that I also wanted to return the tablet, she stated that I would have to pay a restocking fee of {$120.00} if I returned them to her at the store. I told her that the mistake was XXXX so the restocking fee should be waived. She said she could not do that. I have attached the complete complaint as it does is longer than this box allows. Thank you
08/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 712XX	Web	Servicemember
In XX/XX/, I contacted XXXX XXXX XXXX inquiring about the availability of home internet service, for a home in the XXXX, LA area, being occupied by my wife. The XXXX XXXX XXXX representative, in XXXX, informed me that XXXX XXXX XXXX provided home internet service to the area, so I signed up for the service. Within a few days of service activation, I realized that XXXX XXXX XXXX provided a hotspot service and not home XXXX XXXX as I had inquired about and thought I would be paying for, because the account was being charged on an hourly basis for exceeding the daily data usage limit. On XX/XX/18, five days after opening service, I called XXXX XXXX XXXX to cancel the service I had not requested initially, and informed that I would be returning the equipment, which the representative acknowledged was a ongoing complaint from customers, who had requested home internet, but instead received a hotspot service plan. XXXX XXXX XXXX did not cancel the service and continued to overcharge my account for a whole month of service. Upon noticing the billing problem, since I was living in California at the time, and after receiving a bill for {$370.00}, I contacted XXXX XXXX XXXX to resolve this inappropriate billing issue. After two hours of transfers to the billing dept., then collections dept., back to billing, then collections again, a rep finally referred me to XXXX XXXX XXXX Loyalty program. The individual I spoke with reassured me that the issue would be resolved by the time I got off the phone. Two hours later, after being placed on multiple holds, I was informed that I would not be receiving resolution, so therefore, I would be required to pay the bill of {$370.00}. In order to maintain my excellent credit and history of on time payments, I paid the bill, but contacted my credit card company for advice/assistance. A decision was made to dispute the charge for misrepresentation of goods and services, since XXXX XXXX XXXX did not live up to their promises of providing home internet services. XXXX XXXX XXXXXXXX accepted my dispute claim and investigated my complaint. I provided XXXX with an initial letter of the circumstances and evidence, then they requested additional evidence as a follow-up, which I subsequently provided to them. After approximately two months, XXXX adjudicated the claim in my favor and informed me that based on the evidence provided, they issued credit to my account for the {$370.00} and considered my dispute resolved. I considered this issue, no longer an issue. Approximately 3-6 months later, XXXX XXXX XXXX recharged my account for the chargeback amount of {$370.00} and would not accept my attempts to explain the disputed claim circumstances that had been finalized. At some point, they sent the bill to collections, despite a valid investigation and measured decision by XXXX to validate my dispute claim. XXXX XXXX XXXX falsely pretended that I defaulted on the debt and falsely placed my name and reputation into collections, though I have never defaulted on any of my financial obligations in over 25 years of credit card usage or bill payments. Prior to the collections actions, my credit score was above XXXX and it immediately took a XXXX point deduction due to this unlawful action by XXXX XXXX XXXX. XXXX XXXX XXXX did not pursue any action throughout XXXX 's diligent process of investigation. Nor did they contest the chargeback through the representment process, therefore, they obviously did not have any compelling evidence, any rebuttal or a valid dispute response to XXXX 's final decision and action. XXXX XXXX XXXX chose to underhandedly and inappropriately recharge my account without just cause, which landed my good name into collections, where it stands today.
08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 190XX	Web
NOTICE AND DEMAND FOR CEASE AND DESIST FOR ACCOUNT # XXXX To Whom It May Concern : I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an account that you can not prove is mine. You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) - Failure to validate this alleged debt. I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt. 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account. Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt. FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( XXXX ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( XXXX ) in the case of an action not described in paragraph ( XXXX ), bring such action only in the judicial district or similar legal entity -- ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney. FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual da mage sustained by such person as a result of such failure. ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Your Options are as follows : Delete this account and cease and desist with all collection activities. Settlement ; or We go to court and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages.
04/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30016	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/2018 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : Account # XXXX # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
02/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30044	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX AFNI, INC. XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with m e MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
01/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 342XX	Web	Servicemember
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX AFNI, INC. XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
02/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	OH 43230	Web
This is a complaint concerning XXXX XXXX, their illegal charges ( which I believe constitutes fraud ) and their refusal to correct their actions. I have been trying to get this issue resolved for over two ( 3 ) years. I have spoken to over 2 dozen XXXX XXXX officials, all claiming that they have no authority to fix their illegal actions, but also do not know who in their company that can. This is a sham. How many college kids or other un-expecting adults has XXXX XXXX falsely and fraudulently billed and collected service fees from that simply give up and stop fighting this injustice? I tried to file a complaint of your website, but the system would not work. XXXX XXXX had a XXXX account ( XXXX ) at an address - XXXX in XXXX and the beginning of XXXX. XXXX XXXX from XXXX in XXXX XXXX and called XXXX ( XXXX XXXX, XXXX ) to cancel his account, and moved to XXXX, and then XXXX to start a job. XXXX had XXXX roommates in XXXX ; XXXX XXXX and XXXX XXXX who knew the account password. XXXX and XXXX decided to call XXXX, without XXXX ' permission, and XXXX then added himself ( XXXX with his phone number XXXX ) to the account as an authorized user, then kept the account open, again without XXXX ' permission or knowledge. Roughly one year later, XXXX applied for an apartment in XXXX and found a collections acct. ( AFNI - acct. XXXX ; phone XXXX ) for XXXX XXXX on his credit. XXXX called AFNI and learned what had happened. XXXX and XXXX then moved XXXX ' XXXX account to another address ( XXXX ) without XXXX ' knowledge, and tried to connect XXXX to the new address using XXXX ' account because XXXX and XXXX credit was not sufficient to set up their own account. XXXX could not install the satellite dish because there was not sufficient line-of-sight to get reception. However, XXXX decided to start charging XXXX ' account in XXXX XXXX for satellite service even though XXXX could not provide service at this new address due to lack of reception, and sent billing notices to the new address which XXXX, being in XXXX did not receive. XXXX then cancelled the account in XXXX XXXX for non-payment of services, and submitted XXXX to the collection service stated above for service amounts of which XXXX never performed. I have fought with XXXX XXXX to get this resolved for over three ( 3 ) years to no avail. They have claimed several times to correct the situation, but never have. In essence, 1 ) XXXX ' account was a victim of identity theft which despite documentation submitted, XXXX will not correct ; 2 ) XXXX closed his account in XXXX XXXX ( verified by XXXX ) after he XXXX, but XXXX allowed non-authorized people to re-open his account with un-authorized users and change the account address and associated phone number, 3 ) XXXX then charged XXXX for the services that were never performed, and then turned him into a collections agency for non-payment of those charges. XXXX ended up finding out when he applied for credit for an apartment over a year later, for which he was denied leaving him with no place to live. All I am asking is that the negative information on XXXX ' credit be removed, and that XXXX be admonished for their illegal and fraudulent charges against XXXX. The {$270.00} in false/fraudulent charges is insignificant to the damage to XXXX ' credit. Again, how many times has XXXX XXXX falsely and fraudulently charged consumers for XXXX of dollars, of who have neither the financial, emotional nor physical resources to fight them? Where and when does this end? Thank you for your time, effort and consideration in this matter. Please help me get this injustice corrected.
10/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	NJ 08831	Web	Older American, Servicemember
On XX/XX/XXXX, I signed a 2-year agreement with XXXX XXXX for TV services. XX/XX/XXXX, they blocked the channel network that I watched every day for my news. I informed them that if they do n't restore the channel network that I watched XX/XX/XXXX, I have to terminate the agreement. Since they failed to restore the channel network that I watched every day, it impacted me. Hence, I got another provider. I had paid them until XX/XX/XXXX which is the balance due after taking into consideration the one month down payment according to their representative that took the payment. However, they came back to me telling me that I owe them for the remaining unused months of the agreement. I insisted that I do n't owe them because it was their fault that they blocked the channel network that I watch which was on their line up when I signed the agreement. XX/XX/XXXX I moved from XXXX, XXXX to XXXX. I stayed in XXXX XXXX in XXXX while waiting for the completion and closing of the house that I was going to purchase. While in XXXX XXXX, I got a letter from XXXX XXXX crediting my account. It 's unfortunate that because of the move from XXXX to XXXX XXXX in XXXX to the house that I purchased I lost documents including the letter from XXXX XXXX crediting or cancelling what they said I owe them. Had I known that it will haunt me later on, I would had treasured that letter. That was around XX/XX/XXXX or XX/XX/XXXX. I had not received any communication from them since I got that letter cancelling or crediting the so-called debt. However, in XXXX XXXX, I got a letter from Afni, the collection agency that XXXX XXXX hired to reply within 30 days if I dispute the amount. I replied to Afni 's letter disputing or explaining what transpired. However, Afni replied stating that my letter served as a verification of the debt and if I have a question, I will communicate with them. Since I did n't have time to go through the hassle, I paid the {$260.00} that Afni was collecting without a slight idea that Afni will report me to the credit bureaus under " collection. '' I strongly believe the unfair treatment of XXXX XXXX that they hired Afni, the collection agency without communicating with me for a year after they sent me a letter cancelling the so-called debt nor warn me of their intent to hire a collection agency if I refuse to pay the so-called debt. I have a forwarding address with the postal office since I left Nevada to XXXX XXXX in XXXX and eventually to my new purchased home. That 's how I got their letter cancelling the debt. When I pulled up my credit report recently, I found out that Afni had reported the {$260.00} under collection. This is outrageous. I was never ever late in my credit cards or loan payments in my whole life and for the {$260.00}, my credit is tremendously damage. I, therefore, respectfully request that proper action should be taken towards XXXX XXXX and for Afni who reported this under collection when they did n't even had a hard time collecting the amount. Afni sent a letter dated XX/XX/XXXX that I received on XX/XX/XXXX requesting to reply within 30 days if I dispute the amount. I replied on XX/XX/XXXX. They replied dated XX/XX/XXXX stating that my letter was a verification of debt and if I have question I have to call them. I did n't have time to go through the hassle of further aggravation, hence, I just paid the {$260.00} on XX/XX/XXXX, not knowing that they will report this to the credit bureaus. I appreciate the necessary action of FTC towards XXXX XXXX and Afni to remove the derogatory remarks on the credit bureaus. I appreciate it. Thank you.
01/16/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	PR 007XX	Web
AFNI send me a letter about a debt that I supposed had with XXXX on XX/XX/XXXX. I decided to call and ask for the legitimacy of that debt and I ask for the original contract of that account and see if the debt that I supposed owe is legit. AFNI in that conversation told me that they can proof the debt and supposed to send via email the contract but they fail and they send me a letter like offering a discount the first amount was {$900.00}. The discount offer when I ask for the contract they dont gave me proof of the contract but decide to make an offer I dont know why. Because the first communication I was clear about my rights under the FDCPA and I ask to the collector the original contract for see the legitimacy of the debt but THEY FAIL. When I received the discount offer of {$450.00} without a reason about that because I ask in that call to the AFNI collector the original contract for the legitimacy of the debt because I want to see my supposed sign in that contract. They fail the first time and send a offer, I decided call again to AFNI and the person that I talk was very unprofessional and was rude. I ask multiple times on the call for the original contract to see the legitimacy of the debt. The AFNI collector when I ask again for the contract of that supposed debt, she gets angry and start argue things like, that I need to pay the debt trying to intimidating me that I dont had rights about ask for the contract the only thing she can do is ask SPRINT but at the moment AFNI cant send me the original contract and they decided by today send me another letter with a bill but I dont ask for any bill. This people are using tactics very unprofessional to make me pay something that they cant verify thats a crime I think I was clear and I ask for the original contract and they fail two times and still sending letter. This year I want to buy my home and AFNI can affect my credit and I want to make a claim because if they could proof that the debt its not mine they need to stop reach me because they fail two times to show me the legitimacy of the debt. I had all the letter from AFNI and the discount offer that I never ask for I ask for the original contract and all the calls with AFNI are recorded. The first person that I reach was very professional but they fail on send me that first time the original contract and send a offer. The discount offer that AFNI send was of {$450.00}. This people are very unprofessional and they want that I pay something that they dont can proof its mine. I was very very clear in my verification debt and that was the original contract. AFNI had all that conversations in record I was very clear and I ask multiple times for the original contract but the female that I talk that day was very disrespectful. At the end of the call she was very unprofessional she start say hello a lot of time to make me angry and hang the phone. I want to resolve this thing I never had problems with my credit and this situation can affect my credit score and this year I want to buy a home I dont had any collection of any type. If AFNI cant proof thats my debt they need to leave me alone because they still sending letters without proof that its my debt. I know all the conversations are recorded and I was clear in my order. The days that I make communication with AFNI was on XX/XX/XXXX and the second call was XX/XX/XXXX. They had all the conversations recorded of those phone calls that I make and I was clear of my order in those 2 conversations, I ask for the ORIGINAL CONTRACT, not a bill. Sorry for my bad English my first language is XXXX.
04/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NJ 083XX	Web
My wife and I contacted XXXX around XXXX to see if we could restart service with XXXX using the Overdrive Pro device that we still had but was out of contract. After further conversation with some potential hope that we could activate it we were told that we could n't because the device was outdated. We explained that we were looking for something that would allow us to watch my daughter 's basketball games and for my son 's x-box. We were offered a newer device that was supposed to be better and the lady checked the coverage area and said we should have good coverage. We agreed on a XXXX plan to start and was told that we could monitor data used right from the device itself. We received the XXXX XXXX and called XXXX to activate it. We were told to really use the device to see if its something that 's going to work for you. We were told that just in case that you see its not going to work you have 14 days to cancel otherwise we would be obligated to contract. We used the device for a few hours and could not get the device to reveal data use. We called and reported this to sprint thinking we were not doing something right and was told that we would have to go on line to check our data. The first time we checked data on line we were well under the XXXX. We used the device the next day for a few hours and when we checked on line it said we were over our limit ( but no way near the limit that they are reporting as " overage ''? I immediately took out batteries and repacked the unit in its original container contacted sprint and reported that we were sending the unit back because its not going to work for us. I was told that we had just started the plan and we sill have 14 days to try it and I told them I did n't need 14 days to know that it 's not for us. I was told that we had to pay a re-stocking fee of {$35.00} and we had to wait for a return package to arrive and to send it back in that package. I was not happy about the restock fee but paid it and returned the unit in new condition. I totally dispute the validity of this referenced dept. for the following reasons. 1. We did not receive the device that was agreed upon during our order. During initial order conversation with the lady we were told that " we could monitor the data used from the device '' That was False. 2. We were told to really use the device to see if it is something that 's going to work for you. We were told that we had 14 days to try out and if there were any problems we would have to cancel before the XXXX day, after that we would be obligated to contract. ( By looking at the first bill of {$57.00} to now {$510.00} that was false ) and for what two days of use for hours at a time? 3. After seeing the overage of more than XXXX but not the amount they are reporting we contacted XXXX immediately and the device was returned ASAP in new condition. According to the initial representative we could have still continued to use the device up until the 13 day and then cancel and return it with no obligation. 4. After receiving first bill of {$57.00} bill dated XXXX XXXX XXXX I contacted XXXX told them what happened and that I did n't know why I was being charged? I was told that they could see that there was a problem and that they would have a supervisor call me to fix problem. I gave them my cell number, They never called. XXXX. On XXXX/XXXX/XXXX I contacted XXXX collection agency to make them aware of my dispute, during that conversation I was told that part of this bill was for early termination fee? How is that possible when I never was in contract?
10/15/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MA 011XX	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively . My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am I making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : XXXX XXXX XXXXXXXX Fair Debt Collection Practices Act : XXXX : XXXX CREDITOR CONTACT INFORMATION : AFNI XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ACCOUNT # N/A REFERENCE NUMBER ON PAYOFF : XXXX COVID RELIEF, AGREED UPON COLLECTION DELETION. DELETE ITEM IMMEDIATELY!!! Please be advised that this is not a dispute, but a request to review the above listed tradeline, collection or item of public record. I realize that your job as a subscriber to the affiliated credit reporting agencies is a valuable service to the credit community, but as there are over XXXX, ( XXXX ) individuals just in the United States alone that depend on fairness on credit reporting, and mistakes do happen. At no time consider my objective to be a dispute against any of the bureaus, XXXX, XXXX, XXXX XXXX and XXXX respectively. I believe all medical collections if applied against me, should be removed without exception. However, I will negotiate any of those encumbrances if the collection is legal on its merits. I also request the deletion of tradelines if any prior payment histories have been removed or cut from my credit bureaus. In most cases, the 84-month timeline is valid, and my account, if showing a late payment within that 84-month timeline means under FCRA that the account should be removed, or if still a current account, brought to positive status. I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act by-laws as mandated. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
08/07/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30518	Web
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : Account # To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a vAriginal creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX.
12/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CO 80129	Web	Older American
After some 20 years of service with XXXX I found out that I was paying for XXXX recorders even though XXXX had a " new '' recorder that could do the same with only XXXX recorder. I was upset and checked my account and realized I was paying about {$250.00} per month for service I did not use. I canceled XXXX XXXX and switched to XXXX. My bill dropped to less than {$75.00}. XXXX sent me instructions for returning the equipment. t turns out that most of the equipment was worthless, but they wanted XXXX pieces to be returned to them. About three weeks later I received instructions to pack the XXXX pieces of equipment in the boxes that would be delivered to me. The rest could be brought to XXXX for disposal. However, the serial numbers for the XXXX pieces of equipment did not match any of the XXXX pieces I had. I called XXXX and eventually the agent I spoke with gave me the XXXX serial numbers of the equipment I wanted. In the meantime XXXX box arrived with XXXX sections and I was told to put the XXXX pieces in the box and take both the XXXX pieces and the rest to XXXX and they would dispose of the old unwanted equipment and bring the boxed equipment to XXXX XXXX. About one month later a received a letter telling me I had never returned the equipment and that I owed them {$230.00} for the equipment. I called them and explained what had happened and they disputed that they had ever told me to take any thing to XXXX. I told them to check all the recorded phone calls to me that they said were being recorded and if I was lying I would pay the bill and if not they would have to write it off. After a few more bills telling me I owed the money I received a letter from AFNI, a debt collector. I called them and explained what happened and they said they knew nothing about the debt only that they were empowered to collect it. If I did not pay they would file a complaint. I have no idea what they filed but during this time I was surprised that I was unable to get a loan to pay for an XXXX that I had ordered. I thought it might be my age ( I am XXXX years old ) but I had a great XXXX score ( XXXX ) and the financial ability to pay for the XXXX myself. Last week I received a call and a letter from AFNI offering me a 25 % discount off the current balance and telling me that my this had been reported to the XXXX credit agencies. I went on line to my XXXX to check my XXXX credit score and I was stunned to find out that my rating had been dropped from XXXX to XXXX two months ago. No one had contacted me from the agencies to notify until after I contacted the Afni. Given this action, I immediately called and paid the bill under duress because it was not a debt but a dispute. XXXX XXXX filed it as an unpaid bill. For over 20 years, every bill I ever received from XXXX was paid on time and in full, automatically, as are most of monthly bills I have that do n't vary from month to month. None of this history counted in my credit report. All this for a dispute. And now, to rub it in my face Afni the debt collector told me to call XXXX direct to speak to a supervisor about adjusting my rating back to where it was at XXXX. Another call was transferred to a random phone number. I am a retired XXXX with the resources to fire back at them but I do n't want to waste my family 's inheritance. So I want to file a complaint and hopefully amend the law to distinguish between a debt and a dispute. Especially when a person 's credit rating indicates no unpaid debts in their credit history.
02/01/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OH 432XX	Web
My name is XXXX XXXX. The company harassing me is Afni Collections file number XXXX. They threatened to have my license suspended and they've followed through by claiming that I allegedly owe {$1600.00} for damages caused to a bumper. This allegedly happened XX/XX/21. There was no police report filed. There were no witnesses. The driver who ended up filing a claim initially said there was no damage. There was no insurance information exchanged. This seems like a scam to me. I have had no contact with the driver that filed the claim. I've had no contact with their insurance company. Afni was able to immediately cause my license to be suspended beginning XX/XX/XXXX if a solution isn't reached before then. Afni hasn't responded to my attempts to contact them but they were able to contact the XXXX. I've read lots of consumer reports on Afni and sadly they're always harassing people. There were over 570 complaints on the XXXX site alone. I also saw the US government took them to court for violating consumer laws. I would like an itemized list explaining these charges. {$1600.00} for allegedly repairing a bumper is ridiculous. It sounds like a scam. I would like to see proof that I'm responsible for {$1600.00} worth of damage to a bumper. I need my license to continue going to life sustaining doctors appointments and frequent therapy sessions.Afni has endangered my health and wellbeing by taking away my ability to care for myself. I'm diagnosed with XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, etc. I'm being looked at for XXXX XXXX as well. I can provide documentation proving my diagnosis '. I struggle with communicating on the phone ( due to my disorders ) but email and text is totally fine. My stepmother XXXX XXXX XXXX ) completed XXXX last month and I'm struggling with that and the death of another friend a few weeks later. I have XXXX. I have no real income. I'm extremely distressed from this entire situation. I'm grieving. I'm XXXX. I have nothing worth taking. Afni is also endangering my harm reduction outreach work. There is a very real possibility that if I can't reach these folks that they could become very sick or even die. My group visits houseless camps, folks staying in immobile vehicles, folks staying in abandoned buildings, folks stuck in packed houses, etc. These folks are freezing and have no transportation to speak of. If we don't show up no one else is coming. If I ca n't drive due to an outrageous suspension they'll suffer because of it. If it's ruled that I have to pay this thing is there a way to reduce it to a more reasonable amount and can I start a payment plan? I can't believe Afni can tear my whole life apart for an accident that there is no proof of. Afni just takes money away from whoever they want by holding licenses and credit scores hostage. I would need Afni to notify the XXXX to release my license after making a payment arrangement. They're going to suspend my license XX/XX/XXXX. I have a completely clean driving record. I've never been in an accident. I've never been arrested. I have one speeding ticket and it is two years old. If I'm forced to hire a lawyer who should they contact to discuss this? What email address should I give them? I've never had to deal with this before. I need this resolved immediately. My birthday is in less than a week and I can't even enjoy that with this ax hanging above my head. Thanks for taking the time to read this. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Oh XXXX XXXX XXXX
09/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 31405	Web
To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards,
01/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 710XX	Web
AFNI is illegally collecting and reporting a fraudulent account to the credit reporting agencies. This is a violation of the FCRA, and being that this is the third collection agency that I have had to fight on this, it is borderline harassment. I have sent the documentation that unequivocally proves that I owe XXXX nothing, to no avail. Instead it has been reported to the credit reporting agencies, causing irrevocable harm and stress. ( Background ) In XX/XX/XXXX I was made aware of a collection notice for a company which shall be known in this document as XXXX XXXX XXXX XXXX XXXX ). This company stated that I owed a bill of {$210.00} to XXXX from XXXX and XX/XX/XXXX. I called XXXX XXXX XX/XX/XXXX ), and I was transferred to young man named XXXX who found my account, could see where I turned in my equipment on XX/XX/XXXX ( I have this receipt ) at the local branch. He stated that he could see my last payment on XX/XX/XXXX for the period ending XX/XX/XXXX, and stated that I should have been billed a pro-rated amount from XXXX. XXXX also stated that he did not have the authority to credit that amount and that he would escalate to his supervisor that would call me back before XX/XX/XXXX. After receiving no phone call, I called back on XX/XX/XXXX and was escalated to the complaint department, they then told me that they could not credit me and that the the XXXX had to do so. They also stated that XXXX had all of the account information. On XX/XX/XXXX I called XXXX who then told me that they had to get the information from XXXX and that they would open an investigation. On XX/XX/XXXX I filed a complaint with the Minnesota XXXX XXXX XXXX That complaint was answered with a mailing from XXXX with statements from XX/XX/XXXX, and XX/XX/XXXX. The XXXX months following my equipment turn-in, and cancellation of service. I did not have a contract, and was billed for services not rendered. This is fraudulent billing, and it is being reported to the credit agencies, which is a violation of the FCRA. I have documentation showing that I turned in my equipment and cancelled my service XX/XX/XXXX and was billed the following two months. After filing several complaints to the XXXX, Attorney General, CFPB, and XXXX, XXXX, and XXXX, XXXX agreed, and closed the account and removed from my credit reports. Now, XXXX is trying to collect on this fraudulent debt. If you look at XXXX there are countless complaints of AFNI reporting inaccurate information to the credit reporting agencies and they even entered into a consent order with the United States of America Bureau of Consumer Financial Protection that stated Afni " furnished information to consumer reporting agencies ( CRAs ) that it knew or had reasonable cause to believe was inaccurate and failed to report to CRAs. '' I have attached documents that include my receipt for picking up and returning my equipment, payment on my last bill and emails from XXXX for coming into the branch and returning my equipment, and an email from a phone call made after I paid my payment thru XX/XX/XXXX. on this call I was told that I would receive a pro-rated bill for XXXX. This bill also shows that I was billed for XXXX and part of XXXX. These documents, which have been shared with AFNI, show reasonable cause and by ignoring them they are in violation of the consent order signed just 3 months ago. This matter with XXXX has been escalated to the FTC by the CFPB, and closed by both previous collection houses for cause.
03/09/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NC 27105	Web
XXXX overcharged my account under false statements/representation. Attached are some notes that I took to help me to remember what took place and when : XXXX Notes : On XX/XX/2014 spoke to XXXX regarding their XXXX plans/services mentioned they had 4g/3g plan and supplied my personal information and current phone no. XXXX. Some shared details about the Mi-fi XXXX ( XXXX meters ) 1. Waived fees with the exception of {$36.00} activation and {$12.00} shipping fee. 2. Send via XXXX 2-5 days. 3. Small device with 12gigs. 4. Early cancellation fee of {$350.00} for 2-years would apply after 14-day free trial period and with activation of phone. Supervisor guaranteed that I would be 100 % satisfied with service. 5. Would receive XXXX cordless phones for free. 6. Up to 5-lines 7. A {$36.00} activation fee refundable within 3 days. A {$35.00} restocking fee 8. Created XXXX digit pin based on service inquiry date XX/XX/2014 with XXXX as XXXX key. 9. Confirmation of XXXX. Shipping calls XXXX. Dropped off equipment with XXXX XXXX on Friday, XX/XX/2014 because store denied equipment. This was after XXXX, XXXX representative and another representative tried to help me send it back. The representative gave me a confirmation to ship it via XXXX. XXXX Tracking # XXXX. Recorded XXXX-phone XXXX 10. XX/XX/XXXX phone and internet activated 11. Spoke to XXXX to activate at XXXX and password XXXX 12. Spoke to Lovely on XX/XX/2014 for clarifications about plan. * Received numerous XXXX mail within a month 's period ( advertising, etc. ) very confusing did n't know which was the bill/advertisement. 13. Spoke to a XXXX to about issues/dissatisfaction with service ( voicemail sounded scratchy and continuous drops from internet ). She gave me the XXXX address that was XXXX miles from my home off of XXXX to drop device off before XX/XX/XXXX. ( XX/XX/XXXX plus 14 days = XX/XX/XXXX. 14. On XX/XX/XXXX, confirmed cancellation date with XXXX by phone XXXX 15. Received bill before I could barely get the equipment shipped back to XXXX ( not good service ) 16. Spoke to XXXX representative on today ( XXXX ), Wed. XX/XX/XXXX between XXXX and strongly expressed my concerns about the bizarre bill charges. Representative kept trying to refer me to a ridiculous number of overcharges and could n't explain in details why the bill had jumped from $ XXXX dollars to {$980.00} extra when I clearly did n't have the equipment. She said that she would have her supervisor ( XXXX ) contact me within requested 30 mins. to an hour. However, I never got a return call. Decided that I should construct a dispute letter ( copy enclosed ) will send out early today XX/XX/XXXX Thursday. Confirmation : XXXX 17. XXXX billed me in the amount of XXXX for Bill period XX/XX/XXXX. Bill date XX/XX/2014. I will send another certified letter to both XXXX XXXX, XXXX, KS XXXX office and the XXXX, KY XXXX office. 18. Today, XX/XX/XXXX Wed. XXXX mailed me a Collection agency alert letter dated for XX/XX/2014 stating that they valued me as a customer and would like to resolve any issue that may have caused my account to become past due in the amount of {$930.00}. I have tried to resolve the issues through sending a couple of dispute letters, but XXXX insist that I owe them the ridiculous amount for overages of data use. We did n't even keep the plan for the 14 days, because the " guaranteed '' service was terrible! On XX/XX/XXXX, called XXXX regarding a new service plan for internet and phone.
01/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI 48045	Web
We were charged for a wireless router when we switched service providers from XXXX XXXX XXXX XXXX to XXXX. This was 5 years ago. XXXX XXXX XXXX has since acknowledged that they did, indeed, receive the router as required, since we produced the tracking number and a copy of the delivery receipt signed by their shipment center. However, they sold the erroneous collection, and never cancelled it with the original collection company they hired - which began this circus years ago. Since then, XXXX has cleared our credit report, but new collection companies attempt to charge us, and report the collection as a recent debt when it is neither recent XXXX XXXX XXXX and nor outstanding. In fact, if the collection companies contact the original creditor, XXXX, they will confirm it is not outstanding. However, that does not stop them from reselling the debt after we prove the collection is an error. We have filed disputes with the bureaus and he collection drops off for a while. Then, a new company reports it, and it 's back on. It 's reprehensible. Hopefully a letter from the CFPB will resolve it once and for all. Because, really, if you can not, who can? So, every year, we receive collection notices from yet another collection company for this debt. And because they KNOWINGLY REPORT IT AS RECENT ( XXXX ), they are causing us harm by intentionally misreporting false information and refusing to check the validity of the debt. This has been going on for 5 years. 5 years. Every time it happens, we must sit on the phone for hours, track down or paperwork AGAIN, and argue with yet another collection company that gets paid pennies to collect debts. Further, after we resolve it, these horrible companies sell it AGAIN, and it reports on our credit again. It 's beyond stressful, frustrating and criminal. Please help us make this cycle stop. We are trying to refinance, and this has effected the interest rate we will receive. We have to pay more to order a re-score credit report, to have our score improve in order to get a more favorable rate. Why is this allowed? How come these collection companies have to perform NO DUE DILIGENCE before they negatively effect our credit, yet we have to deal with their incompetence for years? This has meant the difference between XXXX % in interest rates, all because there is no one enforcing the rules. This is simply criminal and we are at our wits end. I am in tears every time another collection company starts the cycle again. Why ca n't they just stop selling this erroneous debt to other collectors, intentionally ruining our credit month after month. It is a fact - we prove the debt is not ours, and the collection company sells it to Someone else, starting the cycle again. AFNI, Inc. is no different. They have proof we do not owe this. But they have reported the debt as created XXXX - that is NOT accurate! This debt is from XXXX. XXXX is likely when THEY purchased the debt. But, since they only earn money if it is paid, they will keep misreporting it because, who is going to stop them? Really? The disputes do not. They just start reporting again. DO we have any financial reparations for this? Is XXXX Responsible? Are n't the collections companies required to perform due diligence before they report on credit? And, do n't they have to actually report CORRECT info? They are INTENTIONALLY reporting the date wrong, to maker our credit look worse AND not confirming the debt is erroneous.
08/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NH 038XX	Web	Older American
To maintain credible documentation with creditors and collection agencies I refuse to discuss anything over a phone conversation. I will only communicate via email or USPS mail. For personal background, almost all my recurring charges are paid by either credit card or direct withdraw from my bank account. It has been that way since I began to travel extensively for business and did not want to incur late fees by missing a payment date. All our credit cards are paid in full monthly by direct charges to our checking account. The only obligation that I really have is to make sure I transfer enough money into our checking account to cover the coming 2 months. I have no debt in my name beyond a home mortgage which based on my last real estate agent valuation was approximately less than 20 % of the valuation. My wife has a used vehicle loan she took out this spring. Both long-term debts are paid by direct charges to our checking account. I assume you can check my credit report if so inclined. I am appalled that collection agencies are allowed to flag an individuals account without having copies of the documents that support the amount they allege is owed. If I were a conspiracy nut it isnt a leap to assume that AT & T XXXX is pulling a fast one like XXXX XXXX by pumping up statistics for accounts and revenues. To date, to my best knowledge, no one has even attempted to provide me with a copy of the original invoice, detailed bill breakdown, nor call log data. It is unfathomable to me that anyone would pay an alleged collection agency charge without knowing what the charge is for. I have plenty of capital, I pay my bills timely, give me a valid bill and I will pay it. To date I have received no communications from XXXX, XXXX XXXX nor AT & T XXXX. I made one direct credit card payment ( {$460.00} ) to AT & T XXXX on XXXX XX/XX/XXXX which I believe was for a cell phone. Probably from that date through XXXX XX/XX/XXXX I used the AT & T XXXX network and services as a family member participant as part of my brothers account, I did not have an account with AT & T XXXX XXXX AT & T XXXX. On XXXX XX/XX/XXXX, my wife and I happily switched our cellular service to XXXX where we have been to date. I have no other record of any relationship with AT & T since XX/XX/XXXX except for briefly being a stockholder for a few months in early XXXX. I have included as attachments the communications between AFNI and myself. At one point, AFNI thought I had said I was a victim of id theft. They said they contacted AT & T Mobility ( correspondence included in filing ) and I was sent a form to report identity theft to my local police and then provide AT & T XXXX with proof of residency from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX and 2 forms of identification. I responded to AFNI that they were confused and I didnt claim to be a victim of identity theft as there is no evidence of such except for AT & T XXXX attempting to pin something on me. I also found this humorous as AT & T Mobility and the agents continue to refuse to present a copy of the original invoice with billed to name and address along with detailed bill breakdown and a full call log detail. They should be required to show me first what they got then, if necessary, I will then provide my information. That letter was the first time I was told when the alleged misdeeds on my part were to have occurred. I declined to provide AFNI nor AT & T XXXX with any personnel information.
02/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 28443	Web
In XXXX XXXX I cancelled my broadband DSL internet services with XXXX when I moved from XXXX to XXXX. On the way out of town I returned the DSL modem to a XXXX kiosk at XXXX. I gave the modem directly to a XXXX employee who accepted the modem from me. The employee provided me a business card and wrote a confirmation number on the back as a receipt. I continued to receive electronic billing statements from XXXX and provided them with my new address when I cancelled service. I paid all invoices I received from XXXX. After several months I determined it was no longer necessary to retain the XXXX business card because there was no idication of a problem, so I disagreed it. In XXXX XXXX I received a collection notice from Afni , Inc dated XXXX/XXXX/XXXX indicating an alleged debt with XXXX for XXXX. Discussions with Afni and XXXX personnel indicated that the alleged debt was due to an unreturned modem. Naturally, I disputed the alleged debt exercising my rights under FDCPA. I received a letter from Afni , Inc dated XXXX/XXXX/XXXX indicating XXXX had provided debt validation. Attached was a " Revised Statement '' dated XXXX/XXXX/XXXX. The statement indicated a Previous Balance of {$0.00} and new charges of XXXX as of XXXX/XXXX/XXXX for the alleged unreturned modem. It appears XXXX just made up the alleged debt on the spot. It should be noted that this was the very first communication directly from XXXX indicating that the modem had allegedly not been returned, nearly 18 months after I returned the modem. Again, I called representatives from XXXX and Afni , Inc to explain the situation, and my stories fell on deaf ears. A XXXX representative told me I should return to the kiosk ( XXXX miles away ) and see if anyone ( of the high school kids working there ) remembered me returning a modem 18 months ago. An Afni , Inc representative indicated that XXXX typically does not accept modems returned at kiosks, ignoring the fact that in this case, a XXXX employee certainly did. The underlying unfair, deceptive, and potentially abusive practice here is that XXXX has no incentive to note document when DSL modems are received. Both XXXX and Afni , Inc indicated that since the modem was not recorded as received, that the alleged debt was owed, whether or not I actually returned the modem to XXXX. If XXXX could charge XXXX for not marking a modem received, why would they ever mark one as received? A simple XXXX search indicates this problem is not isolated to my case, and XXXX consistently claims DSL modems are not received, not holding their own receiving department accountable in any way, but consumers, like me, who in good faith returned equipment as required. It is deceptive for an employee to accept return of a modem if that is not the correct process. It is unfair and abusive to charge a consumer for " unreturned equipment '' when it has in fact been returned. Further, as noted above, Afni , Inc did not provide verification of any debt upon my request under FDCPA, they simply indicated a new alleged debt was incurred on XXXX/XXXX/XXXX even though I had long since closed my account with XXXX. Despite claims to the contrary, I have satisfied all requirements XXXX placed on me, and should have no dealings with Afni , Inc in any was as a result. My credit is spotless, and I will not allow unfair, deceptive, and abusive tactics by these companies to stain my records.
08/23/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32210	Web
AFNI , INC RE : Partial Account # XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. ( XXXX REQUEST ) Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor. ( XXXX REQUEST ) Any insurance claims been made by any creditor regarding this account. ( XXXX REQUEST ) Any Judgments obtained by any creditor regarding this account. ( XXXX REQUEST ) Name and address of alleged creditor. ( XXXX REQUEST ) Name on file of alleged debtor. ( XXXX REQUEST ) Alleged account number. ( XXXX REQUEST ) Address on file for alleged debtor. ( XXXX REQUEST ) Amount of alleged debt. ( XXXX REQUEST ) Date this alleged debt became payable. ( XXXX REQUEST ) Date of original charge off or delinquency. ( XXXX REQUEST ) Verification that this debt was assigned or sold to collector. ( XXXX REQUEST ) Complete accounting of alleged debt. ( XXXX REQUEST ) Commission for debt collector if collection efforts are successful. ( XXXX REQUEST ) Please provide
03/09/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NV XXXXX	Web
When reviewing my credit report I discovered that this company " AFNI, INC " illegally re-inserted a XXXX XXXX collection account to my credit file in the amount of {$630.00}. Per FCRA requirements listed below, I am supposed to be notified within 5 days of re-inserting a previously deleted item and as of XX/XX/2018 I still haven't received the required notification. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. Also, I have never done business with AFNI, INC. I don't have a signed contract nor any other type of contract with AFNI, INC. I have the right to demand to see a signed contract between myself and this company as well as validation ( not verification ) of this debt. I am requesting that this matter is investigated and the account is deleted from my credit files immediately or provide me with physical proof of a signed contract between me and AFNI, Inc and complete validation of the debt pursuant to FDCPA. Lastly, this account was illegally re-aged once the alleged debt was placed back on my credit report. Per Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
04/08/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	SC 29673	Web
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX : Social XXXXTo Whom It May Concern : I have attempted on multiple occasions to contact your company via USPS yet you have failed to respond. At this time I feel it is necessary to file this complaint and advise you of the following. Due to your company violating FCRA ( Title 15 United States Code Section 1681 ), FDCPA ( 5 U.S.C. 1692 -1692p ), and UDAPP this letter will serve as my Notice Of Intent to File Suit. Pursuant to South Carolina Code Annotated, Title 22, Ch. 3, Article 1, Sections 10-30 ; Title 22, Ch. 3, XXXX 3, Sections 110-320 ; Title 15, Ch. 7, Sections 10-30 ; Title 18, Ch. 7, Article 1, Section 20 ; Administrative and Procedural Rules for Magistrate 's Court, Rules 1-19. I will be filing suit in South Carolina District XXXX Court in the amount of {$10000.00} that is to include Statutory and Actual damages incurred by myself as a result of increased APR 's as well as out right denial of credit. As we both know companies tend to wait until the suit is filed and wait until the last day before their answer is due to the court to offer settlement. I will advise you once the case is filed I will not even entertain an offer for settlement. I have already spoke with a law firm and advised them of the situation and if an agreement for settlement is not reached between myself and your company 14 calendar days from today he will be retained and take over the case in its entirety. But he will hold no settlement authority due to the disrespect your company displayed when ignoring documentation and request for validation of this fraudulent account. Your company listed an account with XXXX XXXX XXXX in the amount of {$290.00} on my credit. These account were opened fraudulently and I had notified the original creditor as soon as I had seen them listed on my credit. Apparently they must have received the Fraud Affidavit and Dispute after selling it to your company. Never the less your company without mailing any documentation attempted to collect on this debt. FDCPA requires mailed documentation within 5 business days which to this day has still not been done. Now even after mailing the request for Validation of Debt and my letter of dispute for the second time back on XX/XX/XXXX I have still have not received any response or correspondence. Yet, the account is still being listed on my credit as a derogatory account thus violating FCRA and FDCPA. What I am proposing as an agreeable settlement would be your company immediately updates all three credit bureaus to remove this charge off account as well as any associated inquiries and pays me {$5000.00} payment to settle any and all violations. Payment must be made to myself at the address listed above on or before XX/XX/XXXX. Considering the cost of hiring representation in South Carolina plus the cost you would incur for my court cost and attorneys fees I believe that is a fair offer. Once a settlement is agreed to I would be willing to sign a " Release of all claims ''. As far as contacting me in reference to this offer for resolution I am giving you permission to speak with my husband XXXX XXXX at XXXX he can also be reached by email at XXXXXXXXXXXX. If an agreement is not reached on or before XX/XX/XXXX we will move forward with the legal proceedings. Thank you for your prompt attention to this matter, XXXX XXXX
04/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48188	Web
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX RE : Account # XXXX To Whom It May Concern : I am opening a consumer complaint against AFNI, Inc. for a debt that was opened due to identity fraud. On XX/XX/XXXX, I opened a dispute with XXXX Credit Bureau regarding unfair and inaccurate debt reporting. AFNI , IncXXXX continues to report a collections account on my credit file with XXXX see attached documentation. On XX/XX/XXXX, I received an alert on my XXXX credit bureau monitoring services of a collections account from AFNI XXXX Inc. for a debt I have no prior knowledge of in the amount of {$1400.00}. According to the data provided to the credit bureaus, this account was placed for collections on XX/XX/XXXX ; however, I never received any communication from this company before the account was added to my credit report. As a result, I called the XXXX credit bureau to dispute the account. On Wednesday, XX/XX/XXXX, I sent AFNI, IncXXXX a debt validation letter disputing the debt and notifying them of the fraudulent activity via US mail ( copy of the letter attached ) as well as via email ( XXXX ). As of XX/XX/XXXX, I have yet to receive a response from AFNI , IncXXXX regarding this debt. I have a stellar payment history current on all payments for 19+ years and have always paid my debts on time. By listing an account that is knowingly fraudulent with an incorrect balance and falsely updating this information monthly with XXXX, AFNI , Inc. is violating the FCRA and FDCPA. I ask for your assistance in remedying this situation by having this account removed from my credit report. AFNI , IncXXXX must correct its records and cease all debt collection on this unverified, unvalidated and fraudulent debt. I greatly appreciate your assistance in resolving this error and removing this blemish from my account. Please feel free to contact me with any questions. Additional Background AFNI, Inc. is the third Debt Collector that has been assigned this fraudulent account. I have contacted the CFPB as well as the Attorney General for the State of Michigan regarding these matters on multiple occasions, resulting in this account being moved to a different debt collection agency XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. This exact account first appeared on my credit bureau reports in XXXX of XXXX with XXXX XXXX XXXX under a fraudulent North Carolina address. I immediately contacted all major credit bureaus and placed identity fraud remarks on my reports, as well as security freezes. After contacting the CFPB, this account was removed. The account was later acquired by XXXX XXXX, and they began to report a fraudulent account using the same fraudulent North Carolina address. Again, I reached out to the State of Michigan Attorney Generals office and filed a complaint with the CFPB. The account was closed and once again sent to a different collection agency, this time AFNI , Inc. I am yet again disputing this debt with the CFPB and will contact my Attorney Generals office if they do not remove this fraudulent account from my credit report. AFNI has yet to provide me with any record of this account, service address, statements, or any documentation that would provide the validity of this debt. Best regards, XXXX XXXX XXXX Attachments - XXXXn Credit report - Debt validation letter
07/23/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 322XX	Web
Back in XX/XX/XXXX, I went into a local XXXX XXXX XXXX authorized re seller to purchase a new XXXX XXXX I was not currently an XXXX XXXX XXXX customer ( previously a XXXX customer ) so to preorder the phone, they had to setup a new phone line and create an account for me. I came back to the store a few weeks later when the phone came in stock, and unknowingly, the representative created another phone line for my account even though they already created one when I first preordered the phone. We later noticed the issue when I received my first phone bill that was for 2 phone lines ( each with XXXX installments being charged to it ) but I was only in possession of 1 phone. I went back into the store to have the phone line removed, but I was told that we were no longer in the 14 day window when they would be able to cancel the additional phone line from my plan in person and they would need to submit a ticket to have the additional line cancelled. I was told the issue would be resolved on my next billing cycle and that the representative from XXXX XXXX XXXX was going to be handling the correction. In the mean time, my phone bill was not correct because I was being charged for the duplicate phone installment and an additional phone line, so I refused to pay the phone bill until the issue was resolved. In early XX/XX/XXXX, I was informed that the bill was going to be sent to a collections agency due to the outstanding payment and that my phone service was going to be suspended. To resolve the issue, I then had to drive over to the corporate XXXX XXXX XXXX store in XXXX XXXX, XXXX, where I explained the issue and ended up speaking with the district manager for the authorized resellers. I was told multiple times that the issue was going to be resolved however the issue kept getting worse. To fix the issue, they had to accelerate the installment plan on my XXXX XXXX, and then my current invoice included the full {$1000.00} to pay off the entire phone. I was told that once the phone was paid off, they would be able to cancel the duplicate phone line. It took a few weeks for them to actually credit off the full XXXX charge, and to keep my service on, I ended up making a partial payment for the services incurred on one of the phone lines. The district manager finally assisted with cancelling the XXXX charge from my additional phone line, and then they were able to cancel the extra phone line and correct the installment of my XXXX back on to the correct phone line that I transferred over from XXXX. I was also told that my phone bills were corrected due to the duplicate charges and additional fees that were being assessed due to non-payment when the original invoices were incorrect. Since then, I no longer thought there was an issue of an outstanding balance due to XXXX XXXX XXXX and thought that the issue was resolved with the original amount going to collections. Also, since this issue arose I also signed up for XXXX XXXX XXXX home internet and my bill was always paid in full, and there has never been any indication that there was an outstanding balance. Today ( XX/XX/XXXX ) I received another call from a collections agency on behalf of XXXX XXXX XXXX to collect on an outstanding {$30.00} ( of which I don't even believe that I owe ).
08/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA XXXXX	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. The next step will be a Notice of Arbitration to the Federal District court where evidence of a CUSIP number for my social security account number will be presented which is a clear violation of the FCRA, lest any wrongdoings to my credit report be corrected and amended effective immediately upon receipt of this notice.
03/10/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80917	Web
I used to have XXXX as my service provider in XXXX, but I was unhappy with their service and the level of consumer dissatisfaction, so on XX/XX/XXXX I switched to XXXX. XXXX had a promotion that they would pay the outstanding balance owed on each device to another provider for switching over. XXXX needed proof of the amount owed for each line transferred so they could cover such costs. I had 3 lines and for months after the transfer I had contacted XXXX to ask for the final bill with exact amounts owed for each line. They always answered that it would be sent by mail, but all I ever received was a lumpsome bill showing the total amount owed. That was not enough for XXXX, understandably. I tried go into my account online, but had lost access to the account because I was no longer an active client. I tried going directly to the store and they always told me they could not print it there. the last time I contacted XXXX customer service was online, so I requested a copy of our chat transcript which shows that I have been trying to retrieve my personal information before without any success. My struggle continued and to make this story short I went to the store for the last time and finally a manger was able to print the itemized bill. The same store that denied me to print the bill before and this time it was the store XXXX and I told him I was recording our conversation. That's the only reason he helped me. By the time I presented the bill to XXXX, the promotion had ended and they could no longer honor the offer since 3 months had passed since I switched over to them. Few months went by and XXXX presented me with a bill for {$2000.00} which was outrageous! It went from {$700.00} to over XXXX! My services with XXXX started on XX/XX/XXXX at exactly XXXX at the sore located at XXXX XXXX XXXX XXXX Unit B in XXXX CO XXXX. And yes I have records of it all. So I have been paying on the monthly cost of the cellphone devices for a little over a year and they still claim I owed over XXXX XXXX dollars! Absurd! So on XX/XX/XXXX I hired XXXX XXXX XXXX firm to resolve this issue with me. I have copies of all the mail sent by XXXX XXXX, XXXX. on my behalf. At that time XXXX had turn the case over to a collection agency named XXXX XXXX XXXX XXXX. XXXX never replied to my attorney and for months I never heard from XXXX either. I requested response on the case but never got anything. Just recently a new collection agency named XXXX Collections located at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX started sending me settlement letters by mail. Their contact number is XXXX on behalf of XXXX account number XXXX for the settlement amount of {$1000.00}. I want to dispute that charge too. So XXXX did not respond to my attorney in nearly a year and now they just hire yet another collection agency to start this charge all over again? How about replying to my previous attorneys request?? I not only want to dispute this charge, but I want to charge XXXX for damaging my credit, for defamation and for the fact that I pay higher interests due to this allegations on my credit report! Not even accounting for the harrassing calls! It's about time someone fights back against all the injustice caused by reckless cell phone companies! Sincerely, XXXX XXXX
09/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33069	Web
XXXX had FRAUDULANTY CREATED and continues its FRAUDULANT REPORTING of a fabricated delinquent account that they have full knowledge was fraudulently created by their own sales representative seeking a commission. Some 3 years ago now, a XXXX installer knocked on my door to install XXXX XXXX service that 1 ) I never ordered, 2 ) had no knowledge of and 3 ) I DECLINED ANY INSTALLATION OF OR SERVICE. This all took place after I moved to my current residence at XXXX XXXX XXXX XXXX, XXXX XXXX Florida, where I have NEVER HAD XXXX EQUIPMENT OR SERVICE OF ANY KIND ( including without limitation internet, cable or any other service from XXXX ). The installer determined that some XXXX SALES REP created the fake account to earn a commission ( likely based on some list of new owners ). The XXXX installer told me that I needed to call XXXX to correct, which I did on at least 5 occasions ( with no good explanation as to why I had to do the work, when the installer they sent had first hand knowledge that the service was never ordered and that he was declined access to install, an in fact never installed based on knowing any order - if in fact XXXX existed - was fraudulent ). Rather than XXXX following the paperwork to determine WHO AT XXXX CREATED THE FRAUDULANT ACCOUNT TO BEGIN WITH, XXXX continued to arrogantly make it my problem. XXXX HAS NEVER PROVIDED EVEN A DAYS WORTH OR SERVICE OF ANY KIND TO ME AT THIS HOME ( we have and continue to use XXXX XXXX from day 1 ). XXXX and their collection agencies have been notified of the FRAUD ad nauseum, but XXXX continues to take no responsibility to fix the problem ( which could easily be fixed by them merely tracking their sale rep that created the fake account to begin with ). Instead, they merely continue their improper and HARASSING false reporting and collection efforts ( on a debt XXXX fabricated on its own doing ). They are a company that is too big to care. They CONTINUE to WRONGFULLY AND FRAUDULANTLY make the intentional bad faith decision to report this fake account to my credit, causing significant actual damages to me and my finances ( I can not refinance my mortgage with this impacting my credit score - which would otherwise be north of 800 - because their false reporting is causing higher interest rates and fees according to multiple potential lenders ). XXXX 's actions are wrongful, intentional and deserving of PUNITIVE DAMAGES - they need to be punished for these careless, lazy and completely wrongful bad-faith actions. XXXX has been notified of the above NUMEROUS TIMES on RECORDED LINES and through a formal complaint submitted through this site - XXXX conveniently failed to provide ANY response to the last complaint ( the collection agency they hired at the time made the right choice and dropped the account ), XXXX IGNORANTLY AND ARROGANTLY simply hired another collection agency to continue their fraudulent, abusive and reckless actions - even with full knowledge of the details included herein. THERE ARE NO MORE WARNINGS - PUNITIVE DAMAGES WILL BE SOUGHT IN FEDERAL COURT. I AM SURE AM NOT ALONE ON THIS - THESE ABUSIVE ACTIONS NEED TO STOP - THE BEHEMOTH SIZE OF XXXX SHOULF NOT PROVIDE IMMUNITY TO THEIR RECKLESS AND INTENTIONAL WRONGDOINGS.
01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Received unwanted marketing or advertising	GA 30281	Web
Please supply the following information in entire detail : >Why you think I owe the debt, and to whom I owe it, including : >The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. >If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I potentially can know them, if that is different from the official name. In addition, tell me when the Current creditor obtained the debt and who the present creditor obtained it from. >Provide verification and documentation ( retail installment contract etc. ) that there is a valid basis for claiming that I am required to pay the debt to the extant creditor. >If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, specifically : >A copy of the last billing statement sent to me by the original creditor. >If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. >If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. >If there have been any other changes or adjustments since the last billing statement, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. >Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Due Diligence and Rights to Collect : >If you fail to provide any of the info or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or catalog your claims. >I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. >If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
01/05/2017	Yes	Credit reporting	Credit reporting company's investigation No notice of investigation status/result	FL 330XX	Web	Older American, Servicemember
I closed my account with XXXX on XX/XX/XXXX. I returned all equipment and the bill was prepaid for a month in advance of the closing date. XXXX said they would prorate the bill and send me the money instead they auto billed my credit card for {$160.00} on XX/XX/XXXX, taking charges for XX/XX/XXXX which was not right because the service was closed. I tried to straight out over phone could not resolve any thing with their foreign call center person in XXXX. In XX/XX/XXXX Disputed their {$160.00} Charge thru XXXX card. XXXX investigated and reversed the charges back to XXXX. Did n't hear any thing from XXXX or get any kind of Bill, thought it was done, heard nothing for over a year and they had my forward address and mail was being forwarded for over a year thru XXXX. In XX/XX/XXXX looking at my annual credit report I see a collection agency negative report for {$160.00}. Contacted the XXXX in XXXX XXXX about this. They said it was for non payment to XXXX For {$160.00} told them the story for the last year and this was the first I had heard about it and that XXXX never sent me a final bill. Asked both XXXX and XXXX to send me an itemized bill and tell me what the breakdown of the charges are for because I had paid ahead and returned all the equipment so {$160.00} was an overcharge and I said I would be glad to pay it if they would just tell me what I was paying all this extra money for. Neither company ever sent me an itemized bill and just stated I owed that amount. Then in XX/XX/XXXX I get another letter from a different collection agency called AFNI in XXXX XXXX. They send me a collection letter for the same XXXX debt that XXXX contacted me for {$160.00}. I explain the whole situation to them and tell them XXXX has already put it on my credit report. They ignore my explanation Do NOT send me and itemized bill and then as of XX/XX/XXXX they put another negative collection debt under their name for the same thing on my credit report for {$160.00}. I am complaining about these two debt collector 's and XXXX they all refused to acknowledge my request for an itemized bill. They put the same debt on my credit reports twice, six months apart just to further lower my credit score and make it look like I had two bad debts instead of just one. Are this Fair Practices? I 've contacted everyone in writing with explanations : XXXX Billing Complaint department refuses to respond and i know they got it because I certified it. XXXX and AFNI collection companies just keep telling me what its for and do n't do any investigation or answer any of my Questions. I sent them certified letters also. Is this practice fair and legal to me as a consumer just to have XXXX contact a different debt collection agency every six months send me letters for the same thing and keep putting it on my credit report to make it look like I have a whole mess of bad debts? They wo n't even break the bill down for me and tell me what this money is being paid for, their customer service is horrible and inept. Yes I am complaining about all 3 of these companies for unfair practices : XXXX XXXX and AFNI in XXXX XXXX.
01/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 323XX	Web
XX/XX/2022 AFNI Inc XXXX XXXX XXXX System XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX To : The Office of Registered Agent for AFNI Inc From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt with my signature. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number that gives you rights to collect in my state. You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXXXXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The Better Business Bureau to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. By : XXXX XXXX XXXX I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party and authorize the cfpb to move forward with this complaint.
03/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web	Servicemember
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Re : Acct # XXXX AFNI, INC. Partial account # XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I owe {$80.00} as of XX/XX/XXXX, collection account. $ XXXX Monthly payment past due as of XX/XX/XXXX, This is a formal notice that your erroneous claim is now disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? Please also be aware that any negative mark found on my credit reports including ( XXXX XXXX XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
07/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10030	Web
XXXX XXXXAfni Account # XXXX XXXX, 2015I am writing because I would like to open an investigation against Afni Collections, ( a debt collection agency for XXXX ), at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX . The reason for the request, is that there was an account opened with XXXX, at an address that I NEVER resided at- as the account was not opened by me. The discovery was made, when I went to apply for credit and was denied. After reviewing my credit profile I realized there was a collection account on my profile for an account that I had not opened. I called the collection agency associated with the account ( AFNI ), to advise them of the discrepancy, and inform them that the debt was not mine, and that I never resided at the address that the service was opened. I also advised them that I was upset that my credit was affected as a result, and maintaining a good credit profile was is important to me. I was advised to pay the debt, and I felt the only way to regain good standing with my credit profile was to pay the debt ( even though I did not open the account. ). I offered to make a settlement on the account, they did not accept the settlement amount that I offered, and provided a counter offer. I eventually accepted and paid the counter offer- because I was desperate to preserve my credit profile. Afni advised that they would NOT remove the item from my profile, because this is NOT what they do- ( even though I made EVERYONE I spoke with aware that I did NOT open the account, and NEVER resided at the address where service was opened ). Because I felt I had no other recourse to attempt to restore my credit, I paid the settlement amount. I stated that this was not fair because I NEVER LIVED at the address where service was opened. During my initial telephone conversation with AFNI ( XXXX XXXX, 2015 ) - I gave them my address and telephone number, ( the ONLY address I have resided at for the last 5 years ). Shortly there after, I received a letter dated XXXX XXXX, 2015- stating that I had 30 days to reply to the letter, or they would assume that the debt was valid, and report it to the credit bureaus. However, they had ALREADY reported the debt to the credit reporting agencies- prior to me receiving the letter- giving me NO opportunity to respond- AND they advised me that they would NOT remove the item from my credit report. Tell them that you are requesting that this agency be required to remove this item from tourncredit entirely and be instructed to stop extorting funds from people under the threat that they will and can ruin their credit. At this time I am requesting that this agency be required to remove this item from my credit report entirely, and be instructed to stop extorting funds from people under the threat that they will ( and can ) ruin their credit!!!! Again, I am also requesting that the practices of this agency be investigated, as I am certain that they are in complete violation of the FTC Consumer Protection act, and the Fair Credit Reporting Act.
05/25/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34957	Web
To whom it may concern, A blight is on my credit and yet the verification is simply a years billing no proof of contract nothing. The existence of a bill does not verify the debt. The issue with them is not resolved it is about Monthly billing fee is not the {$49.00} promised. But somewhere around {$69.00} monthly. They asked me to lock in a 2-year contract for a higher some and I refused repeatedly saying I would shop for a {$50.00} affordable plan if it went up not pay more to lock in a price. the fraudulent billing of my bank account ( They promised to just run a {$1.00} in verification we had accounts and were credit worthy not take a {$99.00} fee we still do not know what is for because they never said and we were promised free set up and installation. ( found fraudulent and returned by the bank. ) ) ****See the bank letter. They later found it fraud and returned the money but we had to close the account because they could not guarantee it not happening again. and lastly the length of terms in the face of the incorrect monthly billing. I see no contract that says they can bill me for a year. Nor did I agree to one at all. I said no to the 2 year and said no repeatedly to any contracts. When they recorded the transaction, I interrupted the recording to say the cost, the promised free set up, and that they would only charge a $ XXXX to the account which all should have been recorded. Those are the things I insisted on saying instead just saying yes to the recorded questions which did not include those details. I inserted the offered costs and promises. They kept the rights to the collection but hired an outside agency to collect this last year which I served certified mail on with these facts and my evidences. They then sent a letter through that collection agency AFNI they were done withdrawing and removing from my credit. Problem solved co rrect? No now they hired a different agency still working for them XXXX and were starting all over again like I never disputed or sent proof or complained or discussed. If they representative says there done, then it should be done this is in of itself its own abuse. Essential point they are being taken to small claims court we are done. in the meantime, the debt is indeed not verified they have not verified any agreement to cost or length of service. Therefore, I am once again writing to you the credit reporting agencies remove this fraud or be included in the suit. You are responsible to the people you are reporting on not just to take the word of the companies reporting. I am including proof they were held liable for fraudulent b illing in the State of Florida therefore making it clear to you, the reporting agencies, you can not rely on their word to report on my credit. Otherwise you are culpable with them for any harm done. Proof again of the fraud on the bank account, the liability in the state of Florida, and emails to them trying to discuss this is included. They never had a manager contact me or discuss this.
07/20/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43207	Web
In XX/XX/XXXX, my 2 year contract was finished with XXXX. I chose not to renew my contract and was told to return XXXX XXXX XXXX, since the phone was still on a lease. I was advised to call XXXX and get directions on sending back the phone. When I called XXXX I was told that I need to go into a XXXX store to return device. I went back to XXXX store in XXXX XXXX, Ohio one week later to return phone. I was told again that the store rep can not take the device it must be sent via post mail to XXXX. I was then given the same number to call and get directions to send back phone. When calling into XXXX for the second time a few days after my visit the store I was told a second time to drop phone in XXXX store. My girlfriend then called XXXX store and was told we were not able to drop phone off at store, she then called XXXX customer service and was able to get box/directions to send back phone. While in contact with XXXX regarding returning the device no one communicated with us I had an outstanding bill of {$170.00}. While checking my official credit report last year I was made aware of a collection of {$170.00} with a company AFNI. I called AFNI regarding this debt and spoke with male CSR and was told debt was for the device. I explained phone was sent back to the company but it was sent back 2 months after contract ended to being misinformed by both the store as well as customer service. He advised debt will not be removed until payment is made in full. I called AFNI 3 months later regarding debt. I spoke with female CSR and she explained to me that debt of {$170.00} was for the last phone bill. After speaking with my mortgage lender he advised me get a letter stating if balance was paid the debt will be removed completely from my credit. I called AFNI back the following day and spoke with male representative. The CSR confirmed with me that once the balance was paid he would send letter reflecting debt will be taken off account. On XX/XX/XXXX, XXXX XXXX and XXXX dollars was paid to AFNI. The following day I received letter stating the account has been paid and a notification would be sent to the credit agencies reflecting the current status. I called the same day to AFNI, to discuss letter. The letter does not state the debt will be removed from account as promised. I was told regardless if I paid the balance the debt would stay on my account for up to 7 years. I truly believe that the debt does not reflect my creditworthiness and the debts have been repaid. We are planning to apply for a mortgage loan and unable to do so with this debt on my credit report. We spoke with multiple XXXX representatives and no one brought the past due bill to my attention and did not try to collect balance from me before it was sent to the debt agency AFNI. The AFNI representative was deceiving and did not tell the truth regarding the debt after the balance was paid. It would help me immensely if the debt can be removed from all the credit agencies and the account was put in satisfactory standing.
04/10/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28027	Web
XXXX Account, no contract, paid auto-pay each month with XXXX XXXX, when son graduated, we canceled the account on XX/XX/XXXX and turned in the equipment as directed by XXXX and were given a XXXX Return Receipt XX/XX/XXXX # XXXX XXXX TV Equipment 2 pieces XXXX. Again, no contract, account closed and equipment turned in with receipt on XXXX. On XXXX AFNI, Inc. reported to my credit reports that I owed {$430.00} past due to XXXX and it was now in collections. Creditor # XXXX and AFNI Account # XXXX. I immediately disputed and provided proof of account termination and equipment return with receipt, AFNI removed the collection action from my credit report. XX/XX/XXXX, XXXX XXXX now reports the same amount {$430.00} on my credit report as being owed to XXXX and they are now initiating a new collection action, seemingly starting the entire process over again, just using a different Credit Collection Company, XXXX now AFNI before. I've disputed with XXXX and they have not provided detailed billing and debt information as requested, and AFNI did not either. Both have simply said they have " certified '' that the debt is owed and only provide a summary of current balance owed, no detailed debt with dates of what the debt is and was, and I continue to maintain the account was paid in full, current at the time of cancellation and equipment turn in. It is my belief, all alleged debt is for date after XXXX when the account was cancelled and equipment turned in, wrongfully charged for which I've disputed and have not been provided any proof of debt with dates and description. This looks and feels predatory and/or fraudulent in practice. With that said, my son was attending the University XXXX XXXX XXXX, renting a house, and I paid for the XXXX account via auto-pay each month, no contract, just month to month for nearly 2 years. When he graduated, we terminated the account and returned the equipment, with proof of receipt at the time. Months later, AFNI dinged my credit report with a past due collections, apparently on behalf of XXXX. I immediately disputed and provided proof of closing the account and returning the equipment, that was the last I heard of it, and the derogatory hit on my credit report by AFNI was removed. Months later, I get a notice that XXXX XXXX is now saying it has a past due account and in collections for XXXX, its like the process started all over again but with a different collection company, related or affiliated to AFNI I have no idea, but it seems " fishy, '' and predatory to me in my experience. I want to contest and do whatever is necessary, within reason, to help stop this kind of predatory behavior on consumers. I've attached a copy of my credit report, XXXX XXXX and a copy of my prior dispute with AFNI. Is this a matter for which you represent, albeit small, and what would you charge to dispute and take whatever other appropriate action necessary?
02/20/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32210	Web
AFNI CONTINUALLY TRIES TO COLLECT A DEBT THE XXXX HAS STATED I DO NOT OWE I HAVE MADE THIS PLEASE OVER 6 TIMES FOR VALIDATION FOR 2 YEARS AND NO RESPONSE/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : ( XXXX United States ) XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX : ( XXXX United States ) XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Attn : Consumer Services Department XXXX Name Removal Option XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/2016 AFNI RE : ALLEGED Account # Partial XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
04/06/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 90045	Web
I opened a joint XXXX XXXX XXXX account with my sister. I then changed carriers, and so did my sister. On XX/XX/XXXX, she closed our joint account, in-person at an XXXX XXXX XXXX store, with {$0.00} as its remaining balance. XXXX XXXX XXXX went to a 3rd party debt collection company, XXXX, XXXX, to collect an incorrect debt of {$85.00}. I raised a dispute with XXXX and on XX/XX/XXXX they told me this case has been put on hold as they investigate the validity. They then followed up with a notification via mail confirming that I do not owe any debt to XXXX XXXX XXXX and that XXXX will stop harassing me on this issue. I considered the matter closed. On XX/XX/XXXX, another debt collection agency, Afni, Inc., contacted me about a debt of {$85.00} to XXXX XXXX XXXX. I contacted Afni directly and told them I do not owe XXXX XXXX XXXX money, and have already provided proof to XXXX, the previous debt collection company, that we have resolved this matter. I forwarded the communications to Afni, including proof that my balance was {$0.00} when I closed my XXXX XXXX XXXX account. I suspect one of the two scenarios had happened : Either scenario 1 ), XXXX did not actually close my case but passed it on to Afni to unfairly collect this amount of {$85.00} from me. Or, scenario 2 ), where XXXX XXXX XXXX directly contacted Afni after XXXX was unsuccessful in collecting the non-existent debt from me. Either way, I contacted XXXX XXXX XXXX directly on XX/XX/XXXX and they sent me on a wild goose chase across all their extension and phone channels - more than 4 hours spent on the phone, kicked around 3+ departments, and I finally landed on a young lad who was able to use my old XXXX XXXX XXXX account number to access his system and actually confirm that my balance with them, was indeed, {$0.00}. I asked him to screenshot this and email it to me so I can provide further proof ( right from the horse 's mouth ) to Afni to stop harassing me, or worse, pass this case on to yet another debt collection agency. By this point, the young lad seemed very scared and wanted to " pass me on to a specialist ''. Alas, there was nothing on the other end ( surprise, surprise ), and I suspect he did not want to deal with me even though we both have our own separate proofs that I do not owe XXXX XXXX XXXX a single cent. What to do now? XXXX XXXX XXXX claimed that since my account is closed, the " debt '' is in the debt collectors ' hands now. Yes, collectors plural. They can't do anything about it on their end. Afni will acknowledge my dispute, and just pass it on to another debt collection agency. The vicious cycle will continue until I finally break down emotionally, mentally, and physically, and give in to these telecom tyrants and pay them this non-existent debt. Capitalism at its finest. In the meantime, I want to continue to fight this for as long as I have my sanity.
05/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 78741	Web
I moved XXXX and let my recently widowed stepfather and motherless sister move in after me. I left the cable plan going for them, too, which I had with XXXX. They bounced checks and did not tell me, nor did XXXX. Once XXXX had had enough, they canceled the service, seized the equipment in person, and put on fees for returned checks, early termination, and for the equipment that was seized. They sent the debt to a company called AFNI. AFNI asked that I pay some {$1400.00} for not paying a cable bill - when asked to justify that amount they said I had to call XXXX. I did. XXXX said they charged me for the equipment - I said I 'd pay what I owed, but not the equipment, since my family told me that someone came and took it. XXXX said to wait while they did inventory, and to not pay anything to anyone until they did, and then after to pay them directly. I waited. XXXX said they found it and the new amount was some {$970.00}. I asked if it was on my credit report yet, they said no. I asked what I had to do to keep it out of my credit report, and did exactly what they said I had to do. They offered a payment schedule plan and I said I could do it in two months, and did. After the first month 's payment AFNI put a hit on my credit report. I called XXXX and they said it was a mistake, that they 'd delete it, and that once I paid the rest they would do so. I did. Nothing happened on their end. I called back over the course of months trying to get them to do what they said they would do, to honor their original agreement to not put anything on my report or to delete it once it was put on there. I got mixed answers ranging from " some other department will do it '' to " we will call you back '' to " the last person lied we do n't do that at all. '' I appealed directly to the credit agencies and XXXX and XXXX deleted it quickly, without incident. XXXX says that I " settled and paid less than the full amount '' ( I did not, they asked me to pay more than I owed in the first place! ) and that I defaulted ( I did not, I paid exactly as they told me to, and explicitly asked what to do to keep it off of my credit report, and did as told ). XXXX states that AFNI claims they own the debt and that it 's mine, despite XXXX being paid by me directly and AFNI 's refusal to work with me regarding the amount I actually owed. XXXX refuses to either delete it or correctly remark that I did not settle for anything, but rather paid what I was told I actually owed in the first place. XXXX records all of their phone calls and refuses to give me copies of these calls despite telling me they would in XXXX6 weeks in XXXX. It is now mid XXXX. Do not trust XXXX. Do not trust AFNI. Do not do anything without getting it in writing. Stay persistent if this ever happens to you, and do n't try to throw your family a bone after your mother died.
06/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 183XX	Web
XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX Just received a phone call from this company, AFNI, and I informed them, yet again because I have requested a validation of debt previously, to send me a validation of the alleged debt to the address that they have on file the representative told me that they did send it, and to check the mailbox. I have not received anything from this company, and yet AFNI still proceeded to attempt to collect on a debt that is still going through a validation process. Pursuant to 15 USC 1692g ( b ) collection efforts must cease when a debt is disputed.Therefore, the phone call was in violation of 15 USC 1692, and AFNI has called me numerous times within the past couple of weeks prior to this phone call about this disputed debt. The representative also attempted to threaten me by saying that " the debt is not yet reporting to my consumer report yet so it would be best to settle the account. '' I informed the representative that reporting the alleged debt will be in violation of the FDCPA, as I still have not received a validation of the debt therefore all collection efforts must cease. He told me that I was incorrect, and that according to the FDCPA they are able to still collect on the debt. That is false, as that goes against the federal statute that was put in place in order to protect me, the consumer from abusive and deceptive debt collectors. Reporting a disputed, unverified debt to a consumer reporting agency qualifies as a collection of the debt, and all further attempts to collect on the debt including any subsequent reports to the consumer reporting agencies violates 15 USC 1692g ( b ) ( Semper v. JBC Legal Grp., XXXX WL 2172377, *4 ( W.D. Wash. XXXX XXXX XXXX ). When I told the representative that the debt was an alleged debt he laughed and said " alleged? would you like me to tell you the balance on the account. '' I did not appreciate the accusation nor the abusive and condescending tone that this representative displayed. Again, I have never received any documentation about this alleged debt from AFNI so for them to slander me for something that they have yet to prove and then threaten to report it to my consumer report is extremely harmful to me and my reputation as a consumer. At the end of the call I told him again to send me validation of the debt to the address that they have on file and that all collection efforts must cease, he said okay and we will still continue to collect on the debt. I was blatantly threatened by this company while at work, which is a violation of 15 USC 1692d that is in place to protect me from such harmful actions. This phone call has put me in a stressful position which led me to have to finish work early because I was not able to do my job at a level of efficiency that is expected of me due to my mind being distracted by this phone call.
04/06/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 90241	Web	Older American
I purchased a phone from XXXX XXXX with XXXX XXXX XXXX provider. I purchased onXX/XX/XXXX and XXXX XXXX XXXX could not transfer my old phone number onto the new purchased phone, so being unsatisfied I returned the phone to XXXX on XX/XX/XXXX, 8 days later. I was given a receipt that I was fully refunded and the account was cancelled since I did not use the phone only to activate. XXXX XXXX XXXX XXXX XXXX started sending me computer generated bills stating I owed them for over {$600.00}. Then XXXX revised bill and continue to state that I owed {$100.00}. I am now receiving debt collection threat letters. I have visited and called XXXX XXXX XXXX provider stores trying to resolve this. I went back to XXXX in XXXX XXXX, CA that the phone was indeed returned within 14 days and a full refund was issued. XXXX XXXX XXXX has now discredit me by placing a collection debt on my credit reports. After calling XXXX XXXX XXXX for the 4th time and explaining and giving receipt info, XXXX XXXX XXXX still refused to stop discrediting my credit reports with a negative rating. Please see attached documents showing proof I do not owe {$100.00}. XXXX XXXX XXXX is misleading the consumer and practicing unauthorized accounting practices, by charging a consumer for unfair fee charges. CFPB needs to have this audit/investigate so they don't continue to overcharge consumers. As a consumer, XXXX XXXX XXXX failed to transfer my old phone number which had all my business contacts then consumer, I, did return the phone within 8 days. XXXX was trying to force me to purchase another phone number and I did not want that for my business established with my old phone number. After speaking to a few XXXX XXXX XXXX customer reps, I was told this account would be closed and no monies owed. I asked for a confirmation email and a letter in writing. XXXX XXXX XXXX customer service stated that everything was removed and they could not send me a letter or email. This is unfair to the consumer. I told them I was a senior and wanted to keep my credit update and in a positive reporting status. I was told again that, not to worry that they noted everything on the account and it was fine. I feel that XXXX XXXX XXXX took advantage of me as a senior and I also believe they are bias in the their customer service. The 5th time I called to complain that I continued to get not only bills from XXXX XXXX XXXX but not a collection agency. I was met with a very rude customer service who said I was not understanding or listening that I don't need to do anything, because everything was removed and closed! All of the conversations, I asked for an ID or name and was never given one. I was constantly transferred and put on hold for over an hour. XXXX XXXX XXXX does not care about the consumer, only to gouge money out of seniors and make them pay for overcharged fees!
04/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OH 43219	Web
XXXX XXXX XXXX the Director/Executor/Beneficiary/Grantor/Sole-Shareholder for ( legal name XXXX XXXX XXXX ) To Whom it May Concern and that of management staff This letter is being to you in response to a computer generated, entry, letter view by XXXX XXXX XXXX XXXX XXXX of the accounts for XXXX XXXX XXXX , on XXXX XXXX , XXXX and the information obtained stated that your companyAFNI # XXXX is handling this debt. Be advised that this is not a refusal to pay, but a notice sent pursuant to NATIOANL BANK ACT, THE FAIR CREDIT REPORTING ACT, THE UNIFORMED COMMERCIAL CODE as well as THE FAIR DEBT COLLECTION PRACTICE ACT. This is a continuing effort and attempt to validate a Debt. Be advised that your claim is questionable and validation, proof of claim and lawful verification is demanded. This is a lawful request in accords with the aforementioned and the following : Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( a ) There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. ( b ) Existing laws and procedures for redressing these injuries are inadequate to protect consumers. ( c ) Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. ( d ) Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce. ( e ) It is the purpose of this title to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. I DO NOT HAVE ANY CONTRACT WITH AFNI AND I DO NOT WISH TO DO BUSINESS WITH THEM.
12/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30274	Web
On XX/XX/21, I received an email from my credit monitoring service. It informed me that my credit score had dropped over XXXX points. I logged on and found that AFNI , Inc. had illegally posted a collection account and the original creditor was XXXX. I have never heard of nor had an account with either of this company. My report shows that it is an open account and was opened on XX/XX/21 with a balance of {$270.00} I have no know knowledge of this company nor this debt. I have never had an account not any dealings with them. By federal law, a debt collector is supposed to make contact with a supposed debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies or me to go further with this account, I need ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this a scam or someone is attempting to hack my credit file or not. What I do know is that this company has broken FCRA and FDCPA laws but reporting a false account to my credit report without informing me through mail, email, phone, etc. My credit score has dropped tremendously in the middle of purchasing a home. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with the purchase of my home and business ventures that have to be delayed until this illegal account is removed. AFNI , Inc. XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX ( XXXX ) XXXX
12/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 91605	Web
I would like to submit another complaint regarding my AFNI , INC collection account. I am so disappointed to see this inaccurate and illegal item still appearing on my credit report. I have asked AFNI, INC. to remove their unlawful account from my credit reports with the XXXX bureaus and they still refuse. I have told them repeatedly that I was aware of their illegal tactics they utilized to obtain my debt, attack and harsh me regarding this debt and finally fail to validate this debt or show me any signatures or anything owning up too it. All they have sent me is my statements from XXXX XXXX which SHOULD NEVER have been sent to collection as I explained to XXXX and AFNI that this account was overdue on the account of MAIL THEFT at my home. I have my police report number to provide XXXX. I spoke to both parties involved and was specifically told that once the debt was paid to XXXX i would have this account removed from my credit report. But, instead, in order to shoo me off and shut me up AFNI, INC. sent me a BOGUS recipe through your portal dated XX/XX/2015. starting that my debt was resolved and that it would be updated with the bureaus. Well this is WRONg, my debt was resolves a longs time ago with XXXX, i never receive a payment slip or anything from AFNI , INC ad they have no right to hold my credit report hostage anymore. If their employees are liars and they are scamming me out of money and saying whatever they think i was n't to hear just so they get my money and then refusing me what they promised then i would like their to be a record of their lies and cheating. I will not stop until they removed this account from my files with the bureaus completely. Their account is riddled with misinformation and because they have SIGNIFICANTLY violated CFPB laws i require that they remove this account immediately. I will not suffer because of them anymore. Already they harassed me and abused me over the cell phone with their robotic messengers and they forced me to pay to delete, though i had informed everyone that i was a victim of statement theft and identity theft. I can not believe these people. they forge documents and send them through your federal database and pretend that they follow the law and that they are a legitimate company but they are NOT! They are liars and sneaky and aggressive and they forge paper work and do not validate or verify any forwarded information! As a victim of identity theft and mail fraud i should NOT have to suffer! XXXX is also at fault here, obviously they did not communicate this withe their " vendors '' who abusively collect on their behalf. They all should have know that this should NEVER have been sent to collection. Then to lie to me and say pay it so it goes away, well where? LET IT BE REMOVED or I WILL PURSUE LITIGATION! I
02/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MN 56303	Web
I received a call from AFNI stating that I have an outstanding debt from XXXX in the amount of {$470.00} from account XXXX from XX/XX/XXXX. I explained to them that it could not be me and that I had closed my account which has a different number entirely of XXXX XX/XX/XXXX due to switching carriers. They asked for the last XXXX of my social security number, which I provided and they said yes, that is what we have on file. I then provided my entire social security number and they stated that this was the number that they have attached to the account. I was then told to file a police report, but per my credit report, this was not on my credit so I did not feel it necessary to file a police report for identity theft. I was given a contact for XXXX XXXX and spoke with a gentleman by the name of XXXX who stated that the social security number attached to account XXXX was not my social security number and that he believe it to be a clerical error on the AFNI 's part. I asked if he could conference and he stated that he did not have the ability to do that. I called AFNI back to inform them of what I was told by XXXX and they stated that the social security number they have is what was provided to them by XXXX. I spoke with a supervisor by the name of XXXX who stated they would flag my account for possible fraud and would contact me with further information. Also, I have never resided at the address attached to the account. The address they have is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. I have resided at my current address for almost 6 years. I waited two weeks before contacting AFNI back for status and when I called, the representative I spoke with stated that the current status was that they were waiting for me to file a police report. I told him that his supervisor was supposed to be flagging the account for fraud and that I am not going to file a police report because my identity had no been stolen. he transferred me to his supervisors voicemail and I have yet to receive a call back. I have sent them a certified letter with a receipt request asking AFNI to validate my debt and I now have the Minnesota Office of the Attorney General involved. They mailed letter to both XXXX XXXX and AFNI on XX/XX/XXXX. I feel as though AFNI obtained my social security number because I provided it to them. I have researched this company online and it seems as though they are not very honest with their attempts to collect debt. This company should not be allowed to operate if they are trying to collect debt dishonestly. This debt is not mine and they are not willing to help in any way. AFNI and XXXX are pointing the finger at each other putting the blame on one another. Meanwhile, I have been doing all of this footwork to prove that this debt is not mine and never has been.
04/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 45140	Web
Issue descriptions shown- Debt is not mine is closest to describing the situation. There is NO debt. Alleged creditor is XXXX. Purchased phones from XXXX XXXX 2013. Not satisfied with service. Returned phones within 10 day satisfaction period. XXXX attempted to collect {$320.00} for termination. At first attempted to not allow portage of phone numbers to XXXX. After 3 1/2 hours at XXXX, vendor in store was finally successful in accomplishing this. When I requested for XXXX to provide a copy of the contract proving the debt was valid, they did not. After attempting for several months to collect by making harassing phone calls, XXXX turned the {$320.00} amount to an initial debt collector. This debt collector actually sent written communication about collection. I requested that they provide written documentation that the debt was valid ( any documents such as a contract ). Just like XXXX, they did not. This debt collector then apparently sold the alleged debt to another collector- AFNI. I did not receive any written communication from them about collection. I believe this may be in violation of the FCRA. They made several harassing phone calls. I requested that they provide written notification about attempted debt and to not contact me anymore until they have provided that. They never have. They also have not provided written documentation that the debt is valid. Since they never gave written notification as to what the debt was ( XXXX ), it has not even gotten to the step of my requesting that they provide written proof of the debt. Instead, they have added this item to my credit report and show it is in collection. As well, it is showing in the report that they have turned it over to attorneys for collection. I believe this may also be a violation of the FCRA since it is merely an intimidation ploy. Based upon complaints I have read about AFNI, they are unscrupulous in their methods and have many violations of the FCRA on their record. They added it to my credit report without providing any written documentation about the collection OR written documentation showing proof that the debt is valid. They add it to a credit report as leverage to collect the debt and did not act either ethically or legally. My credit score was XXXX prior to this item. I have had only XXXX missed credit card payment due to a delay in the mail on my report prior to this. It is now down to XXXX because of this item. I disputed it and Experian indicated that it is valid. I am not sure how AFNI was able to prove that it was valid since they have never communicated with me via any written form. I would like to have this item removed from my report entirely and also pursue legal action against AFNI due to violations of the FCRA. Please advise. Thank you.
06/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	PA 19382	Web
XXXX XXXX XXXX had an outstanding debt for {$710.00}, which was news to me. I learned this information in XXXX XXXX and further found it to be true when I located it on my credit score. Having disconnected my account with XXXX XXXX XXXX in XXXX XXXX when I switched to cheaper rates with XXXX XXXX, I decided to investigate the claim XXXX - In contacting XXXX XXXX XXXX, they told me that I had a delinquent bill on XXXX XXXX, XXXX and reiterated an amount of {$710.00} ; however, they were unable to provide me with physical proof of said bill as the finance department can only send a hard copy of an account 's bill to the address on record, which, they told me, was in XXXX. Having never XXXX lived in XXXX, I found this quite odd - and, furthermore, I was unable to acquire the exact address ( as they can only verify the address and not actually tell me what they had listed ). So, right off the bat, I 'm prevented from receiving a physical copy ( in any format ) of the actual, original delinquent bill for which I 'm being charged. Personally, I was curious how a phone bill could reach {$710.00} without being shut off, but, having a claim against me, first and foremost I would like to view the claim and its details. This, according to XXXX XXXX XXXX, is impossible for me. Therefore, I find this claim to be fraudulent as it is n't quantifiable in the any physical way ; though it does n't end there ... XXXX - I tracked the creditors that have since purchased this specific debt, which includes XXXX in XXXX XXXX and XXXX XXXX in XXXX XXXX. Neither of these credits felt obligated to contact me XXXX or, they contacted the mysterious XXXX address to which the bill belonged XXXX ; on top of that, they changed the total of the debt from {$710.00} to the obligatory amount of {$840.00} XXXX for their hard work, I presume ). XXXX the final knife in the fight, AFNI has been in contact with me since XXXX XXXX, offering a settlement to a debt I had n't been aware of. They seem to be the XXXX in the bunch to actually locate me and inform me of this debt, though I 'm not even certain that I am the XXXX XXXX they 're looking for, as I can not get a hard copy of the original bill and debt - presumably because that debt belongs to someone that lives in XXXX. I find everything about this debt to be fraudulent, from the fact that I can not see a copy of the bill and its contents adding up to such a massive sum for a phone bill, to the numerous negligent creditors that have tossed the bill around, to the final creditor that has placed it on my credit score XXXX as of XXXX XXXX, XXXX years after the supposed debt was accumulated ) and offered settlement. There is a massive negligence in the way this account and its debt has been handled.
02/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60477	Web
I just looked at my credit report and was shocked to see the errors listed in this correspondence. I am writing to have you remove these erroneous items from my credit profile immediately. The following accounts needs to be removed immediately : Account Name : XXXX Account Number : XXXX Amount : {$53.00} Reason : XXXX verify and validate all data for this account, every notation, dates and balances, whether reported or not. Account Name : XXXX Account Number : XXXX Amount : {$3900.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$540.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. Account Name : AFNI Account Number : XXXX Amount : {$3800.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. Account Name : AFNI Account Number : XXXX Amount : {$230.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. Account Name : XXXX Account Number : XXXX Amount : {$390.00} Reason : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. The following Inquiries need to be removed immediately from my credit profile : Creditor Name : XXXX Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately. Creditor Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately. Creditor Name : us small bus admin oda Date of Inquiry : XX/XX/20 Reason : This inquiry was made without my knowledge or consent and I would like to be provided proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof of any or one, remove it immediately. By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit profile. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the above address.
06/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MI 48036	Web
I owed an outstanding balance of {$120.00} to XXXX XXXX XXXX for a land-line service that I no longer needed. I paid the outstanding amount of {$120.00}, based on my billing statment from XXXX XXXX XXXX ( including late fees & penalties ). I had no indication other than that XXXX XXXX XXXX accepted my payment in full. It appears that XXXX XXXX XXXX either sent this debt to XXXX different Debt Collection Agencies or this debt was sold from one debt collector to another ( XXXX XXXX XXXX phone XXXX ) and ( AFNI phone XXXX ). Both debt collectors are based in MN. One company ( XXXX. XXXX XXXX ) submitted this information to the Credit Reporting Agencies twice, using a different account number, so it showed up twice on my credit report. Some time after, the other Debt Collection Company ( AFNI ) reported the same debt with somewhat different information, to the Credit Reporting Agencies, using yet another different account number. This resulted in this SAME debt being listed 3 times on my credit report, even though the debt had already been paided in full ( based on my billing stmt ) directly to XXXX XXXX XXXX ( confirmed pmt received {$120.00} on XXXX/XXXX/2014 ). I filed several disputes with the Credit Reporting Agencies, explaining that this debt had been paid in full directly to the original creditor and that there were multiple listings of the same debt on my credit profile. The result of the dispute was that they removed one of the OLDEST debt collection records from my credit report ( which would have removed from my credit profile soonest ) and update the remaining NEWER debt collection company record with the INACCURATE information of " settled-less than full balance. The account had already been closed. This debt was " paid-in-full, based on the last billing statement ( including late fees and penalties ) from XXXX XXXX XXXX. A debt collector should not be able to request more than the amount of the outstanding debt. My contention is that my credit profile should not be negatively affected by the mistakes of XXXX seperate debt collectors reporting different information on the same debt. Who decides which one is valid? Why was the oldest record removed and not the newest? Can one debt collection company sell a debt to another, thus possibly increasing the time that the information remains on my credit profile? Because of these obvious mistakes in reporting by XXXX different debt collectors and the fact that my debt had already been paid directly to, and accecpted by, the original debt holder ( XXXX XXXX XXXX ), I contend that this erroneous and arbitrarily selected remaining debt collection record still remaining on my credit profile for AFNI, should be removed immediately.
10/14/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60504	Web
I am writing to file a complaint against XXXX and AFNI, Inc. On XX/XX/XXXX a collection item was reported on my XXXX credit file by AFNI , Inc. on behalf of XXXX in the amount of {$470.00}. I deny owing this debt and I want a full investigation and removal of this information immediately. I want sound evidence from XXXX detailing the events of my service transfer in XXXX and details to support the debt of {$470.00}. Over the past several months to a year, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with XXXX XXXX AFNI, Inc to date. Accordingly, I am requesting that you investigate my dispute under the Fair Credit Reporting Act, 611 ( a ) [ 15 USC 1681i ( a ) ]. I am requesting your assistance in putting an end to this matter. Please review the attached details and other documents. If you have any questions or need additional information, please contact me at the address listed below. Thank you for your assistance. Details : 1. In XX/XX/XXXX I was living in apartment at XXXX XXXX XXXX. XXXX XXXX, XXXX, IL XXXX. During that time I had, and still have, XXXX cable. 2. During the same month of XX/XX/XXXX, I switched apartments moving from XXXX XXXX to XXXX XXXX. I made arrangements with XXXX to have the service transferred. 3. On XX/XX/XXXX, the attached XXXX bill shows a balance of {$230.00} for XXXX XXXX. 4. On XX/XX/XXXX, the attached bill show a credit {$230.00} and a {$0.00} balance. 5. Conversations with a XXXX representative said they would link the new account, because I wanted to keep my email & same land line phone number. The attached document dated XX/XX/XXXX is a confirmation email from XXXX stating the accounts have been linked. 6. XX/XX/XXXX is a summary of new service. See attached document. 7. XX/XX/XXXX is new service address for XXXX XXXX, with an amount due of {$2.00}. 8. XX/XX/XXXX payment was received {$2.00}. 9. The rest of the story is history. I am still residing at XXXX XXXX XXXX. XXXX XXXX, with the same XXXX service from XXXX. 10. Over the past several months I have disputed this matter with XXXX directly & I have gotten no answers and more importantly no evidence or details proving that I owe this debt to them. 11. On XX/XX/XXXX, I received an alert from XXXX stating that a collection item was reported on my file by AFNI, Inc. I called AFNI to confirm if this was from XXXX. 12. If, I owed them past due balance they would have ended my service with them. Its been over 2 years & I still have no answers. XXXX is clearly in the error and they are trying to push their poor record keeping on me. I will not stand by and be robbed by this giant who is bullying customers.
05/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 349XX	Web	Servicemember
For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. The court has ruled that in XXXX v. XXXX XXXX XXXX XXXX XXXX, that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA se ction 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
03/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33065	Web
This collection agency has been harassing me for a couple of years to the point of psychological abuse. A couple of years ago the started calling about a XXXX XXXX XXXX XXXX account, which my wife opened up in my name. At the time I was unemployed and not even a XXXX XXXX, but because she was filling for me she decided to take advantage of the situation and did whatever she felt she could get away with. However to cut along story short a couple of collection agencies contacted me about the debt over the years, which I believed was accrued around XX/XX/XXXX/XX/XX/XXXX, I can't recall. I always addressed the situation and they all let me. Around XX/XX/XXXX, I had prolonged interaction/communication with the aforementioned collection agency, for which I have evidence in which this same matter was addressed. I believe I initiated an identity theft action but when they asked if I wished to get the police involved, i decided against it, but the matter was left I guess unresolved, however, this account was further disputed on my credit report around XX/XX/XXXX, it was actually removed from my credit report. However today I got a new credit alert a new file was added to my credit report claiming unpaid debt, and my credit score tanked. When I contacted Afni Inc earlier today they asserted that this account has just come into their hands in XXXX and that they have have never had any past interaction/correspondence with regard to this report hence i have to file an identity theft report, in short start the whole process all over again. I have filed a dispute on this account with XXXX, and Afni asserted that they would temporarily remove the derogatory remark on my credit report, while the matter was under investigation, again. Let me be explicit the Supervisor/Representative who I communicated with at Afni Inc and who initiated the identity theft report was adamant that this account only came to Afni Inc in XX/XX/XXXX and they have absolutely no record any correspondence with me in the matter. That is absolutely false and misleading. My impression is that they are either being vindictive and/or trying to get the account reset so as to pursue the debt ( {$140.00} ). I have NEVER attempted to hide from this situation and have addressed the matter at length over the years and I know the statue of limitations on this debt has expired after. This company NEVER made any attempt to contact me via phone or mail in their latest effort and it definitely false that they just got this account in XX/XX/XXXX as I have extensive proof that Afni Inc and I were in extensive contact in mid XXXX regarding this debt. i wish they they leave me alone I DO NOT OWE THEM OR XXXX XXXX XXXX XXXX ANYTHING.
10/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32608	Web
On or about XX/XX/2018 I received my annual credit report from XXXX XXXX which contained a number of items that did not belong to me and was seriously affecting my credit score. Among the accounts reported in error that did not belong to myself was from AFNI ( ACCT XXXX ) in the amount {$270.00}, for a XXXX Account I never had. On or about XX/XX/2018 I drafted a letter to XXXX XXXX directing the wrongfully reported items be removed pursuant to 15 USC 1681 ( i ) including that of AFNI. Said letter was send via facsimile to XXXX XXXX XXXX with confirmation of fax received. ( A true and accurate copy of letter and fax confirmation are attached to this complaint ). On or about XX/XX/2018 I received a completed dispute notice from XXXX XXXX in which they removed most of the disputed items, however AFNI remained, claiming it was verified. On that same date, I also contacted AFNI and demanded any contractual documentation from the original creditor and anything with my signature, or the assignment contract from the alleged original creditor to AFNI giving them authority. AFNI has never responded, because the information regarding myself does not exist. On XX/XX/2018, I drafted a second dispute letter to XXXX XXXX directing them to remove the AFNI account as it is not mine and any verification of same would be fraudulent. XXXX XXXX again did not remove the AFNI account. OnXX/XX/XXXXI faxed to XXXX XXXX a Request For Method Of Verification pursuant to FCRA 611 ( a ) and FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) for the AFNI account ( copy attached and fax confirmation attached ) to which they have fifteen days to respond under the statute. As of XX/XX/2018, XXXX XXXX has not responded in any fashion therefore on that basis alone the account must be removed. It is not my responsibility to do what is deemed XXXX XXXX 's responsibility under the FCRA as it the credit reporting agency 's legal obligation to make sure that what they are reporting is truthful and accurate. When a consumer informs the agency that the reporting is in error or fraudulent, the credit reporting agency as a heightened duty under the statute to do a proper and complete investigation. All XXXX XXXX would have to do is demand from AFNI any original contractual documentation by and between myself and the original creditor, which they would then find out it does not exist. Also, as the account is not mine, I can not give them any supporting documentation as there is none to give. Because I have disputed his claim 3 times with XXXX XXXX as well as the collection agency, and because I have received nothing by way of supporting documentation from either, the AFNI account must be removed from my credit file.
03/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39503	Web
AFNI INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : The Office of Registered Agent for AFNI INC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt with my signature. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number that give you rights to collect in my state. You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. By : XXXX XXXX XXXX
06/13/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33541	Web
In XX/XX/2021 I request a telephone service with XXXX XXXX XXXX Which was an account opened under postpayment With my social security number paying a monthly payment Of the telephone service plus the equipment equipment Team which disappeared while sleeping in a shelter called XXXX XXXX in XXXX Florida, The account was opened in XXXX XXXX XXXX but after a few days I moved to XXXX due to the pandemic I was left homeless I only had about a month with the phone equipment when it disappeared though. Yes, however, assuming my responsibility and contract with XXXX, I called to report the stolen phone and report that I would continue to pay the debt for it Once in XXXX I went to an office directly from XXXXXXXX XXXX XXXX in XXXX XXXX .They notified me that there was a debt of approximately {$800.00}, which indicates that this was not the amount since I had barely a month with the account and that amount to debt was not possibleIn the store, they told me that the equipment was still active, something that I never understood because I reported it as stolen and apart from them, services such as television and others were still lined XXXX the store they literally ignored what I was saying and my hands were tied because I had no way to communicate with the company since I didn't have a phone and I didn't have money to buy another.After that telephone equipment was lost, I lost access to many things, such as my social security account, my ucis account, my bank account and many more, which has resulted in the, XXXX account XXXX account and Gmail account by then that was installed on the same phone but I was left totally incommunicado And if the access to all those accounts that were already included and open within the telephone equipment.Today a little more stable and with a little more access to my information I am seeing under my report behind and union that there is a collection account under AFNI # XXXXEntered by the same XXXX company under cable and cellular services for an amount of $ XXXXAnd I can honestly tell you that both personally at the XXXX XXXX XXXX I asked for a verification of it since I only had about a month with the service the phone at the time I tried and communicated the fact of what was happening .Having this information, I have tried to communicate with the company but it is impossible. It is always busy and there is no way to be able to communicate with it for that very reason. Well, I am writing to you and ask for advice or how to resolve this situation that really it has me worried Because apart from all this situation, I believe that my data was disclosed since online as
01/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MT 597XX	Web
My wife and I cancelled XXXX because they changed our rates without warning when we had a set amount we were paying and tried to bill us for a coaxial product. We moved from XXXX XXXX XXXX in XXXX, Montana to XXXX XXXX XXXX XXXX, XXXX, Montana. We had used there free move program in the past and everything went smooth but this time they tried to charge us for coax that we already had at old house and could have taken or we could have but they never mentioned it and that I also had plenty of new to use. We were not under any contract. I spoke to XXXX before they turned this over to collections and i was told this was closed. We ended up turning our service off prior to coming to a resolution with XXXX and we now use XXXX. XXXX tried to say we signed a new contract upon installation at our new home but I told them that was not true and they said they were documenting this. At a, later date I contacted them about this and they said we signed something on the installers electronic device. I explained that I was not even home. We assumed the tech must have just marked it himself. I asked XXXX why the tech would have even had something for us to sign since we were already customers, the agent said he was not sure and would need to look into the status of our account. my wife and I thought that it sounded kinda shady that they would even be trying to get us to sign anything like this since we were just moving locations. We are not sure but after that XXXX said to just pay the last bill and our account would be closed but this was after multiple calls and after service had been ended. Later a collection company called AFNI started sending us bill letters about XXXX and we told them about our resolution and about how I paid the last bill with XXXX and that it was closed. They said they would check it out and if there was any problem they would let us know. They never said anything but sometime ago I noticed they had put a negative on my credit report and said in collection which is a lie and I have tried to contact them about fixing it and they never write or call me back and never take the call. They have no evidence of any bill and they know it. AFNI address and phone is : XXXX XXXX XXXX XXXX XXXX ... ... ... ... ... ... ... .. Afni Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX P. XXXX XXXX XXXX XXXX XXXXXXXXXXXX Hours : Monday through Friday XXXX - XXXX CST We do not owe this bill and XXXX has their equipment and the last time I talked with XXXX they said they did not know what I was talking about when I spoke with customer care but that has been a couple of months ago. Thanks
03/12/2016	Yes	Debt collection I do not know	Communication tactics Used obscene/profane/abusive language	PA 19143	Web
I called AFNI yesterday XXXX/XXXX/16 after receiving an unfamiliar bill in the mail several times. I tried to explain to the rep ( XXXX XXXX ) that I have disputed this debt before to no avail and sent in a letter requesting validity. I asked if I could speak with a supervisor as I would like this resolved, because I would like resolution and verification I owe it. She immediately became defensive and aggressive. First she stated, " All of the managers are in a meeting and I 'm the Senior Manager on the floor right now. '' I asked if I could call back and speak with the supervisor directly? XXXX stated " He 's gon na tell you the same thing I 'm telling you! '' This is where the conversation took a turn for the worse. I asked XXXX if I could have her supervisors name, so I could call back and speak with him. She aggressively said " XXXX! '' I asked if he had a last name ( XXXX is quite common ). She said " He can give it to you when he answers! '' Confusion set in. I could n't figure out why she became upset when I asked for her superior and I do n't understand why she treated me so aggressively. My intent was not to get her in trouble, but to get someone to verify this debt or at the very least point me in the right direction. I explained my plight to her again.When the call started ( check the recordings ) I told XXXX that this was an ongoing issue and I still have not received validity of debt. I told her I was frustrated and I made it a point to mention I was NOT taking my frustrations out on her. I let XXXX know I am interested in resolving this, and she did not try to assist me. I told her I would like this removed from my credit if there is no verification of debt. I even offered to just pay a settlement to have it deleted. I ca n't sleep at night!! XXXX screamed " We do n't do pay for deletes!! '' I asked for a supervisor again with the intent to get resolution and to get my point across because she became to aggressive to deal with and she kept over talking me. Reluctantly, she said I can talk to XXXX XXXX in the consumer relations department. I left her a message, but after my experience with AnitaI am scared to speak with another rep from this company. I do n't like being attacked when I clearly said I want to get to the bottom of this. Im certain this is a form of harassment according to the FDCPA. This bill is hindering me from progressing in life. Please remove this debt and all negative reporting from my report because I have NOT been furnished with validity of debt after numerous attempts Thanks in advance for what I hope is a timely resolution.
09/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80205	Web
I have called XXXX multiple times throughout this process, then disputed with not one but two collection agencies, AFNI and XXXX XXXX so far after months of attempting to resolve this dispute they have just changed hands with who I am dealing with in an attempt to force me into paying this debt that they are responsible for. My phone was stolen on XXXX XXXX XXXX XXXX this year. On XXXX second I had reported my phone as stolen to XXXX on my account online, then received an email on XX/XX/XXXX about high usage on my account. I called XXXX immediately upon receiving this email, and l I told the operator that my phone was stolen as I had marked online ( as viewable from the text proof from XXXX that I had them send me later for a stolen phone insurance claim ) and told them to pause the account, and that I would be moving that number over to Visible. He told me that there would be no issue with that and I would not have to worry about future charges and that the current charges would be marked as fraudulent and set to {$0.00} for me. Proceeding from there more charges occurred with a foreign contact in XXXX during which after each warning email I received I called XXXX and told them these were again fraudulent and to confirm that I would not be responsible for the charges since they continued to grow. From this point forward I was told varying information each time. After the final dispute, I told them that they should send the charges to dispute as they were not me and I had been transparent and honest with each representative. the appropriate phone/service balance with XXXX has been paid off as has the last account/contract charge. The only charge left is the international fraudulent charges. I do not have any specific names of the three representatives I spoke with, just that the contacts started on XX/XX/XXXX, but that I had marked my phone as stolen on XX/XX/XXXX as is verified by the XXXX text message I received after trying to look into my trail of communication. The real issue which I would like the CFCB to look into is that I have sent this information to XXXX, AFNI, and XXXX XXXX, all three of which asked for the info and for me to call, then have proceeded to move the debt to another company for me to deal with. I am currently in the process of trying to get a mortgage and this has significantly impacted my ability to do so. This debt should be removed and if further action is needed against XXXX/AFNI/XXXX XXXX about harassment of customers I would be willing to testify and take this to court as there needs to be clearer protection from this.
09/21/2020	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33467	Web
XXXX Dispute Department XXXX. XXXX XXXX XXXX, PA XXXX Equifax Dispute Department XXXX. XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : XX/XX/XXXX XXXX XXXX ACCT # - XXXX XX/XX/XXXX AFNI, INC ACCT # - XXXX XX/XX/XXXX XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX XXXX XXXX ACCT # - XXXX XX/XX/XXXX XXXX XXXX ACCT # - XXXX XXXX -- XXXX MEDICAL PAYMENT ACCT # - XXXX XXXX -- XXXX MEDICAL PAYMENT ACCT # - XXXX XX/XX/XXXX XXXX/XXXX ACCT # - XXXX XX/XX/XXXX XXXX/XXXX ACCT # - XXXX XX/XX/XXXX XXXX/XXXX ACCT # - XXXX XX/XX/XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX Requested Correction : Please update any and all information to my credit reports and, take notice I have sent all the necessary evidence to support my claim ; therefore, I expect swift result on your part. In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correct any and all the item accordingly. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my state issued identification along with other personal documents that entail my name and current address. Please let me know if you need any other information from me that may aid you in resolving this matter promptly. Sincerely, XXXX XXXX
09/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90501	Web
XXXX XXXX XXXX XXXX XXXX sent us to a collection Agency, AFNI ( XXXX XXXX XXXX, XXXX Illinois XXXX ) for a {$930.00} balance stemming from XXXX or XXXX XXXX. ( Account # XXXX ) There have been no attempts to collect this debt. We first saw this item on my credit report as part of a refinance attempt in XXXX. ( 1 ) we attempted to contact XXXX XXXX XXXX to find out what this debt was for. We remember cancelling the service in XXXX XXXX and returned the equipment at that time using the shipping labels provided by XXXX XXXX XXXX. We have no records of this however, as it occured more than 6 years ago. ( 2 ) XXXX XXXX XXXX can not provide us with any invoices nor can they tell us what this debt was for. As they stated themselves it was over 6 years ago. We have been told many different things by many different depts. and really got the runaround. They have stated they would try and look in their archives to validate this debt but we have not received any notification of this so far. ( 3 ) We did reach someone at AFNI and after several attempts to get to their " XXXX XXXX XXXX accounts '' department., A XXXX XXXX XXXX informed us that this debt was for the non return of some equipment and that the balance was {$930.00}. We asked him for the invoices or paperwork to substantiate this debt. He at first asked us to send him an email requesting this ( XXXXXXXXXXXX / XXXX ). When I asked to verify this, he recanted saying, he first would put this account in dispute and then go back to XXXX XXXX XXXX to request them to send me this documentation. ( 4 ) There have been no attempts that i know of to collect this debt since the XXXX time frame. I have purchased a home, and refinanced twice since this time frame and there was never any delinquencies nor any collection account. A credit report from XXXX can verify this information. I have always paid my bills on time and have never been late. ( XXXX ) I have been informed by my lender that a dispute of this item would not suffice for the new mortgage. There can not be a dispute notated on my credit report. My only options right now are either to dispute this item and delay my refinance or pay this item to the debt collector and then try and seek a refund after my refinance. neither are equitable options. I am seeking your help for a timely resolution to this item. I can not believe a collection item like this would magically appear 6 years after the fact. And I can imagine XXXX not being able to substantiate this debt. Can someone at the CFPB help me with this?
09/09/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AL 35124	Web
XXXX XXXX put on all 3 of my credit reports that I owed them {$1100.00} in XX/XX/XXXX, with XXXX XXXX, which I disputed, due to the fact that I have the XXXX signed receipt from XXXX XXXX showing they received their equipment back on XX/XX/XXXX, so it was removed, then XXXX XXXX put in back on all 3 credit reports the same {$1100.00} again with XXXX XXXX in XX/XX/XXXX, which again, I disputed with my same records, and it was removed from all 3 again. Then XXXX XXXX put in on all 3 of my credit reports again for the {$1100.00} on XX/XX/XXXX with AFNI, by changing the original opened date to XX/XX/XXXX which on XX/XX/XXXX, I hired an attorney with the XXXX XXXX XXXX, in XXXX Texas, whom took my {$250.00} retainer, never had me sign anything, never followed up with me to this very day, phone number XXXX, which I sent them all the information I had showing it was an open and shut case of my rights with the FCRA, and when I was able to get ahold of them myself, I was told they sent AFNI a certified letter to asking them to remove the it from my XXXX credit report, as I believe that is the last one it still remains one, as it was removed from the other 2, but all that happened was AFNI lowered the amount to {$350.00}, saying it was now for prorated services I owed. From my understanding, once it was reported that I owed the {$1100.00} the first time, months after they had already received their equipment, which is what I was told the balance was for the first time, they broke the law? Then to do it again with XXXX XXXX, they broke the law again, just to do it a 3rd time, by changing the date the account was opened, which was almost a year after I have proof they had actually received their own equipment back, then broke it again, by just changing the amount and I have disputed this myself at least 15 times, and Ive paid for an attorney that has failed me as well. This has now been going on for over 2 and a half years of ruining my credit, my name, and stress you would not believe. I been on meds now because they just keep getting away with it. And when I called AFNI, they even told me that if it was at their collections agency, then they knew it had already been through the other 2, because they are the last of 3 collection agencies XXXX XXXX uses. I know I am not the only person this has happened to, I 'm sure. But I dont know what else to do. Disputes dont help, when I have all the actual paperwork, and documents showing they received it before it was ever placed in collection the first time.
01/11/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 320XX	Web
My XXXX ( XXXX ) Account number for Internet services is XXXX. I was paying my all outstanding billing payments regulalrly without fail since inception of the account. I moved into new home in XXXX XXXX, Florida ( XXXX ) within the same city and requested XXXX ( XXXX ) in XX/XX/2019 to transfer Internet services to my new home address effective XX/XX/2019 XXXX ( XXXX ) advised that they do not offer services in XXXX hence I have to perforce terminate the internet contract and will also have to bear penalty charges ( {$80.00} ) for contract termination. I advised XXXX ( XXXX ) that contract termation charges being levied are unfair since I am not the one seeking termination but rather mere transfer of internet services. If the service provider is unable to offer services in a particular location within the same city then it is service provider who should bear the terminatiion charges and not me. I spoke to Ms. XXXX of XXXX ( XXXX ) on XX/XX/2019 at contact number XXXX which is XXXX Movers Department number, and requested for transfer of services. Ms. XXXX gave me ticket numbers XXXX and XXXX. On same day ( XX/XX/2019 ) I called XXXX ( XXXX ) corporate office number XXXX and spoke to Ms XXXX who advised that they are reviweing the request for transfer of services. Since I did not hear further from XXXX, I again called corporate office number on XX/XX/2019 and this time spoke to Mr XXXX who advised that account would have to be cancelled and I will have to bear penalty charges for contract termination. No reference number was given by Mr XXXX despite being asked. Mr XXXX advised that he has documented our conversation. Subsequently my account was terminated on XX/XX/2019and XXXX levied {$80.00} as contract termination charges. Subsequently on XX/XX/2019, XXXX ( XXXX ) transferred my outstanding balance to collection agency AFNI Inc, XXXX XXXX XXXX XXXX, ILXXXX ( XXXX ). Collection agency has since been harrassing me over the phone and I have not received a single letter in writing from collection agency formally advising charge of {$80.00}. I am extremely disappointed that my credit score is being adversely impacted by collections despite my request for transfer of internet services. I repeat that I merely asked for transfer of internet services and not cancellation, if XXXX ( XXXX ) cant provide service at my current residential address than service provider is/was the one which cancelled the contract and accordingly should bear termination charges.
03/31/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 43214	Web
My husband received a letter dated XXXX XXXX from a Collection agency ( afni ) stating that he owed {$640.00} to XXXX XXXX XXXX. In the letter they ( afni ) indicated that they were willing to accept {$420.00} to resolve the account. In the second paragraph they ( afni ) indicated that unless we notified their office within 30 days of the notice they would assume the debt is valid. And if we did not dispute the validity of the debt in writing within 30 days they would obtain a judgement and mail us a copy of the judgement. We are very suspicious of companies trying to scam people and try to get their personal information. The issue is -- - my husband has never had an individual account with XXXX XXXX XXXX. On XX/XX/XXXX we contacted the billing department with XXXX XXXX XXXX and I spoke with an XXXX. XXXX researched our current account with XXXX XXXX XXXX and could not see any evidence of a past due amount. He transferred me to the XXXX XXXX at XXXX XXXX XXXX. I spoke with a XXXX. He pulled up the XXXX XXXX XXXX acct. number and asked me what the passcode was for the account. we told him we didn't know a passcode as we did not have that account. He could not give us any information about that account like DOB or any other information for the person other than my husbands first and last name. he kept asking for the passcode and we kept telling him we did not know the passcode for that account. Today XXXX, we went to an XXXX XXXX XXXX XXXX - they were able to look up that account for us and told us it was cancelled on XX/XX/XXXX. He helped us get a passcode and the security question and the email address, which was for a email that we did NOT know. The XXXX of the XXXX XXXX XXXX XXXX told us that the account was an XXXX XXXX account ''. We don't even know what that means. He told us he didn't have the authority to correct the situation but to call the fraud unit at XXXX XXXX XXXX and tell them all the information and they could stop the collection agency. When we got home my husband called XXXX XXXX XXXX asked for the Fraud unit and it just directed him to the XXXX XXXX XXXX website. Needless to say we are being given the run around by XXXX XXXX XXXX and can not get this stopped we don't want to call the AFNI collection agency as we do not want to give them any of our personal information as we believe this is a phishing scam. But we also do not want our credit ruined by this falsehood. Any help you can give us would be greatly appreciated. Thank You.
03/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AL 352XX	Web
I received my 1st letter ever from AFNI Collections on XX/XX/XXXX about an account I owed XXXX XXXX XXXX XXXX. The letter was dated XX/XX/XXXX. In the letter they wanted to offer a settlement and stated I had 30 days to call them to dispute the balance or validate the debt and if I didn't respond it would be placed on my credit report. I immediately contacted AFNI Collections. I was told by the representative that it was an account from XX/XX/XXXX that was from a address of XXXX XXXX XXXX XXXX, AL. I told them that I didn't owe XXXX XXXX XXXX anything and I can not even remember the account, but I do know XXXX XXXX XXXX was placed into Chapter XXXX Bankruptcy that was filed on XX/XX/XXXX and was not discharged until XX/XX/XXXX. I informed them that the home was put into Chapter XXXX and all debts for that address was placed into Chapter XXXX. The representative became aggressive and said they just received the account from XXXX XXXX XXXX XX/XX/XXXX. The representative took down my attorney name, XXXX XXXX who was my bankruptcy lawyer at the time, I gave them the information pertaining to my bankruptcy case in which XXXX shouldve already had. There were violations that have now taken place by AFNI & XXXX XXXX XXXX. I was told by AFNI that they were returning the account back to XXXX XXXX XXXX on XX/XX/XXXX but as of today I received an alert from all 3 credit bureaus that AFNI has reported this XXXX XXXX XXXX account as a collections of {$1100.00} to my credit report and I just disputed it on XX/XX/XXXX after I received my 1st letter which is not even past 30 days. I called AFNI and complained and the representative tried to refer me back to XXXX XXXX XXXX, but they were the ones who reported it after the fact I informed them I was protected under the Bankruptcy Law. I then asked for a supervisor whose name was XXXX who asked me to email XXXX and to tell my situation. She stated she would request an investigation as to why this was reported to my credit report and it had not even been 30 days. She too confirme that this was the 1st letter that they had sent me, and she wanted to know if their notes show I filed bankruptcy and they were suppose to investigate as of XX/XX/XXXX then why nothing was halted to prevent such measures and why report occurred before 30 days. This should never happen to anyone and AFNI collection tactics are aggressive and they are not following the 30 day law nor bankruptcy law when it comes to collection accounts.
06/08/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30189	Web
I realized in XX/XX/XXXX that AFNI, Inc. had reported information to the 3 credit bureaus that I owed {$940.00} for a debt to XXXX XXXX XXXX. I requested validation of the debt onXX/XX/XXXX. I received some documents in the mail from AFNI , Inc. in regards to the alledged account. I also contacted XXXX XXXX XXXX regarding this account and they told me that they had no record of this account and that I would have to speak with the collection agency that is reporting on all three Credit Reporting Agencies. I am very concerned about fraud as I have no knowledge of this account nor no knowledge of the phone number listed on the alledged account. I have had the same phone number since XX/XX/XXXX -- which happens to be very smiliar to one of the phone numbers on the " bills '' that were sent to me " validating '' the account -- alledgely from XXXX XXXX XXXX. It is obvious that something was suspicious about this account because there were only 3 bills, two stating that my balance was {$940.00} and the last one had no charges on it.AFNI, Inc. did not provide me proof that I signed an agreement with XXXX XXXX XXXX or that XXXX XXXX XXXX can show proof that I had an account with them. I have no proof to say that this is not my account -- how could I when I have NEVER had this phone number, I have no idea where this account came from and XXXX XXXX XXXX has no record of this account? I reached out to AFNI, Inc. on the following dates via email :XX/XX/XXXX -- Request to validate debt -- no responseXX/XX/XXXX -- Second Request -- no response XX/XX/XXXX -- in response to AFNI , Inc. 's response that there would be an investigation XX/XX/XXXX -- Request for status update since it had been 30 days -- no responseXX/XX/XXXX -- Request for status update -- no response XX/XX/XXXX -- received a response in the mail. AFNI, Inc. sent me 3 alleged bills from XXXX XXXX XXXX. Two had a balance of {$940.00} with various charges and the third had no charges. How does a billing cycle go from new account {$0.00} balance to {$940.00} in charges in two months for phone service and then no charges? This is fraud. XX/XX/XXXX -- Request to remove account from Credit Bureaus since there was no proof of debt XX/XX/XXXX -- Request to remove accounts -- no response XX/XX/XXXX -- Request for response to remove accounts -- no responseXX/XX/XXXX -- Request for response to remove accounts -- no response XX/XX/XXXX -- Request for response to remove accounts -- no response
04/03/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	LA 71203	Web
On XX/XX/2017, Afni sent me a dunning ( collection ) letter stating that they were trying to attempt to collect a debt for XXXX. I received a call from a representative named XXXX, ID number XXXX, who advised me that they were attempting to collect a debt for XXXX, I advised XXXX over the phone that I did n't have a debt with XXXX, and if he could send me validation of the debt. XXXX was very rude, got loud with me, and advised me that he was going to put this debt on my account in 3 days. I also notified AFNI in writing that this debt was not mine and to provide me proof. I also advised them that it was unlawful to report unvalidated debt on my credit report. Afni still reported this debt on my credit report, although they did n't provide proof. Afni responded to my debt validation letter with the EXACT same dunning letter they sent to me initially, but this time they manipulated the information on the dunning letter to make it look like a " STATEMENT OF ACCOUNT '' They are intentionally trying to destroy my credit, and using intimidation tactics to get me to pay for a debt that is not mine by placing false information on my credit report. On the dunning letter that was sent to me, they advised me that if I notify them within 30 days of receiving their collection letter, they will obtain proof of the debt, which they did not. I did n't receive a signed contract bearing my signature, I did n't receive a billing statement showing the breakdown of any fees on XXXX XXXX letterhead, nor did I received an assignment of the debt to AFNI, proving that they have the rights to collect a debt on behalf of XXXX. I have never heard of Afni nor have I did any business with them. I have attached my dispute letter to Afni, my overnight delivery receipt w/signature showing delivery of the letter, the initial dunning letter that AFNI sent to me, the dunning letter that AFNI sent to me in response to my debt validation dispute letter, and my current credit report showing where they inserted this false information on my credit report. I will be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-3 ) Afni, will be required to appear in a court venue local to me, in order to formally defend themselves.
11/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA XXXXX	Web	Servicemember
As a Federally Protected Consumer, Original Creditor, Principal of all accounts created by my seal/signature, I order XXXX to make recompense and pay redress and compensation for their trespass against me. XXXX has been attempting to extort and rob me using deceptive, false and misleading, abusive practices against me personally, my family and my household. This is criminal activity at least and is unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you. 5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name. 18. Invasion of Individual and Family Privacy
09/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 088XX	Web
Please CFPB look into these collections practices. I am applying for a new home to help my family under this pandemic and my loan officerlooked at my credit mentioning theres a problem and he can not move further with myapplication. He mentioned AFNI is a new account and I have to fix this problem. Thereis an account listed on my credit report that just popped up under AFNI collecting for a company called XXXX for {$2300.00}. This company is operating unethically and in violation of my rights. This is a company who has never sent me a letter or called ever. I've never done business with them and have no financial obligation to them. This account was on mycredit previously in XXXX with XXXX XXXX... I wasn't familiar with this account and the balance from XXXX and asked them to SUBSTANTIATE this claim that I owe them because I have XXXX XXXX NOT XXXX.. this is an error. I Have been a victim of ID theft before and I monitor my financial affairs very closely. XXXX XXXX then removed the debt and placed it with another company called AFNI. All this happened under a month ( see attached screenshots ) so how would XXXX send me a right to dispute or explain my rights to I can address and let them know the problem. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers ' credit reports to coerce them to pay the debts. They label this as DEPT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports.The defendants used this illegal debt parking to coerce people to pay debts they didn't owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THISCOMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. I need this taken off my credit because If I am out of my apartment least and can not get my home to move my kids into, I will file suit with an attorney of my choice. I have attached images from my XXXX XXXX
12/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
Good Evening ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
09/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30087	Web
AFNI , Inc. ( XXXX XXXX XXXX XXXX ) has reported on my credit report that I owe {$250.00}. from a so called debt that I owe on a cell phone bill from XX/XX/XXXX. The date they have it as an " Open Account '' on my credit report is XX/XX/XXXX. I called XXXX XXXX XXXX back in XX/XX/XXXXwhen it was listed on my credit report and disputed that I owed them because I did n't. I paid my final bill with them when I left and moved my number and phone. ( They would n't even release my number if I had n't ). They told me that they would take care of the mistake that it was with collections. They gave me the number to the collections and I called and disputed it with them myself as well ( because I did n't trust XXXX XXXX XXXX to do it ). I was told they would research it and take care of it. I pull up my credit report today ( XX/XX/XXXX ) and noticed that it is still on my report. I called AFNI, Inc today and spoke to XXXX XXXX employee number XXXX. He said that on XX/XX/XXXX that, " they received a message from their client XXXX XXXX XXXX that to hold off on reporting ''. ( which was pass the 30 day credit verification period and after I had called them to dispute the charges ). I asked him at that point what was the date that their client XXXX XXXX XXXX contacted AFNI and told them to move forward with reporting a collection to the credit bureau. He than stated, " well ANFI is a furnisher of credit ''. I said I never asked ANFI to furnish me with credit and the XXXX XXXX XXXX whom I did have credit with but that I do n't owe told you to hold off on reporting but you ca n't tell me a date when they contacted you to tell you to move forward with reporting. He then said that they ( AFNI ) reported to the agencies onXX/XX/XXXX. I said I do n't owe AFNI nor do I owe AFNI and you all have caused my credit score to be adversely affected by {$250.00} dollars yet have cost me probably thousands since I have had to pay higher interest rates due to this error. He said there is nothing he can due except file a dispute but I have no faith in that because he also told me that this was the first time that they have heard from me or anybody on my account and that simply is not true. I have called them complaining about this very issue before. Please help. I have an audio recording of the entire conversation. It is too large to attach ( 27 MB ) as a file but here is the link. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 37421	Web
1.I have never had an account with this company AFNI XXXX XXXX REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are AFNI the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
06/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MN 55347	Web
I signed up for XXXX XXXX services XX/XX/XXXX through a bundle service offering through XXXX. I move during the month of XXXX and had the XXXX services transferred to my new place of residence. When I received my XX/XX/XXXX bill from XXXX I had been overcharged by XXXX {$200.00} transfer fee for services. This error in billing, which XXXX XXXX admitted to, cause an undue burden on my finances which in turn made me unable to pay my XXXX bill which collected payment on behalf of XXXX and themselves. The billing became so skewed from being over charger and XXXX putting the XXXX charges on hold to get the corrected information from XXXX, that throughout this process I got further behind because at XXXX point I was presented with a monthly bill for approximately {$400.00} when I typically paid {$120.00} for XXXX services. From XX/XX/XXXX through XX/XX/XXXX I attempted to get my billing corrected. Meanwhile I was paying late because there where wrong charges on mybil and I was unable to pay them. Finally, XX/XX/XXXX I asked XXXX to unbundle my services as I had never been more than a week late paying my paying my XX/XX/XXXX bill prior to them bundling the services with XX/XX/XXXX. Once XX/XX/XXXX unbundled my services I asked XX/XX/XXXX to cancel my services and XXXX swayed me to keep the services which I thought would be at the same rate I was paying through XX/XX/XXXX. However, they neglected to explain that I would actually being signing up for a new service contract and the rate would be nearly $ XXXX versus $ XXXX I had paid with XXXX. I found this out in XX/XX/XXXX When I objected, I was told that my service contract with XXXX had been discontinued due to excessively late payments. I explained it was their billing error that made me late and put me behind. The agent check and came back and said, " Yes, I do see where we overcharged you and then the payments started being late. However, I can not do anything about that and the billing will continue to be at the new rate plan '' XXXX said this is fraud your company 's accounting error cause me to get behind in the XXXX place and then you cancel my the rate plan I got with XXXX and say the only way for me to continue is on an increase rate plan or pay a cancellation fee of {$300.00}. The rep said, " Sorry Ma'am, there is nothing I can do ''. This past week ( started XX/XX/XXXX ) I started receiving call from a debt collector saying I now owe {$340.00}.
10/17/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33407	Web
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
05/23/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32907	Web
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPRATMENT : AFNI XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX Your company have violated FCR A 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No perso n ( comp any ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under se ction 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under secti on 1681c-2 of thi s title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AFNI I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX , XXXX Telephone Consumer Protection Act Liti gation, Case No. XXXX , in the U.S. District Court fo r the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX
06/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75052	Web
In XX/XX/XXXX I canceled service with XXXX XXXX XXXX XXXX, and was required to return XXXX boxes via XXXX. The boxes were returned, several months later I was advised by an XXXX XXXX XXXX Customer Service Rep that I had a past due balance due to unreturned boxes. I disputed this information, provided the location of the XXXX store that the boxes were returned to ( as per XXXX XXXX XXXX 's explicit instructions ), and the date of return. Upon following up with the company a few days later, I was advised that the charge for unreturned boxes would be removed from my account. Instead of being removed, this balance was sold to Afni, Inc. I noticed this balance on my credit report initially in XXXX. I disputed the amount as it was incorrect, and the report was removed. Afni, Inc. reinstated the charge on my credit report in XXXX fraudulently as a " new collection '' ( so that the credit bureau was not required to advise me of the reinstatement ), for the exact same amount due as the previous account ( {$970.00} ). I again disputed the charge as it was incorrect, and the report was removed from my credit report. In XX/XX/XXXX, Afni, Inc. fraudulently reported this same collection account to the credit bureaus for the third time, although it has been disputed and removed twice from my credit report thus far as it is incorrect and the balance is not owed. Again, the company fraudulently reported this as a " new collection '', citing that the account was " Opened XX/XX/XXXX ''. The practices of this company are horrific. First, not only was the balance reported incorrectly as my boxes were returned and I did not owe a balance, but even after being disputed and removed, the company continued to attempt to collect on an account that they knew was incorrect, aggressively reporting it to the credit bureaus as a " new collection account '' on multiple occasions and masking their tactics by disclosing a fraudulent " opened '' date, in an effort to collect a falsified debt. I would like this mark permanently removed from my credit report immediately, and assurance that it will not reappear as a " new collection account '' with a new reported " opened date '' of the company 's choosing, at a later date. Company in question : Afni, Inc XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Collection : XXXX XXXX XXXX XXXX Amount : {$970.00} Fraudulent " Account Opened '' date : XX/XX/XXXX XXXX
09/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33441	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX AFNI, INC. XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
12/06/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 11590	Web
Below is a description of events and the chronology in which they occurred, while dealing with Afni collections. On XX/XX/18, I received an email from XXXX XXXX informing me of a new account under my name. I opened and read that email on XX/XX/18. It stated that a new AFNI account was added to my XXXX report. I followed the link and found out they had placed a collection on my account for {$370.00}. They claimed it was an XXXX XXXX XXXX account I owed money on. I have no knowledge of this account. I was unable to contact Afni until XX/XX/18. A XXXX answered the phone and asked me for some identifying information. Once she was able to bring up the account, I was transferred to an XXXX XXXX. After she went through her legal statement, she asked how I wanted to pay for the debt. I informed her I have no knowledge of this account, nor have I received any information from Afni regarding this. I asked for proof of any communications sent to me. This is what I was told by XXXX according to her, Afni received the account on XX/XX/18. She stated that a letter went out on that date describing the debt. I asked for proof of this letter and she was unable to provide it to me. She then directed me to their website where I could find all of the communications sent to me. XXXX provided me with the instructions on how to login to my account. I told her I would look into this and call her back. On the website, I found only 1 letter dated XX/XX/18. This letter states that it confirms the original creditor and the balance owed. I could not find a letter dated XX/XX/18 as told to me by XXXX. I called her back and explained that I could not locate the XXXX letter and if she could assist me on finding this letter. She asked to place me on hold so she could speak to her support department. When she returned to the call she stated the following .... According to her support department, because Im in NY when I access the letter online it defaults to the date in which I access the account. Not sure how that happens when it is in .pdf format but Im no computer whiz anyway. I asked simply on how I could get a hold of the XXXX letter. After some divisive wording by her, she told me they were going to close the account and have it deleted. I specifically asked if they were going to send communication to the credit bureau notifying them of this deletion. She clearly stated YES.
03/21/2017	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	CA 94587	Web
In XX/XX/XXXX my car was totaled as a result of a hit by a drunk driver. XXXX XXXX offered a settlement value for my car and deducted {$500.00} ( my deductible ) from the offered value.I have disputed the settlement value offered since XXXX XXXX did not calculate the repairs conducted two weeks prior to the accident : new tires, new brakes front and back, new shock absorbers, etc. In a letter dated XX/XX/XXXX, XXXX XXXX from the Presidential team, agreed to pay me an extra {$500.00}, based on the Invoices received for the upgrades/repairs and the comparables from the area. I have received only one check from XXXX XXXX in the value of {$500.00}, and this was towards the settlement value of my car based on the invoices that were not fully considered. As stated, XXXX XXXX already deducted the {$500.00} deductible from the settlement value proposed, hence that deductible was already paid as per my contractual agreement. The drunk driver did not have a license, however, the truck he was driving was insured under XXXX XXXX. XXXX XXXX reimbursed me the deductible. Initially I got contacted by XXXX XXXX XXXX from XXXX XXXX, NY to claim that I owe XXXX {$500.00} for deductible. I sent all the evidence and they closed the debt. In XX/XX/XXXX I got another debt collector AFNI , Inc, claiming the same debt. I responded to them by fax on XX/XX/XXXX to dispute the debt and to provide the evidence that I do not owe this debt. AFNI Inc failed to validate the debt and prove that I actually owe it.XXXX sold them a debt that has no legal basis or factual evidence and AFNI is employing unorthodox procedures of harassment and intimidation to coerce me to pay this debt, when in fact they have no evidence to prove the debt owed is accurate or valid. I have notified them in writing within the 30-day period and provided evidence the debt is not valid I also requested them you cease collection of the debt, based on the evidence submitted.I asked them to stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. They continue to call me, claiming they are attorneys and will file a legal action against me, send me letters and emails asking for the same evidence I sent them multiple times and they confirmed the receival. I feel I ca n't get anywhere with these people and their threats. What can I do?
03/25/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30188	Web	Servicemember
I am requesting DELETION of the collections from AFNI, INC On XX/XX/2019 and XX/XX/2019, I returned equipment that we rented from XXXX that is worth approximately {$550.00} in balance ( could be {$540.00} according to the XXXX phone representative ). XXXX received the equipment and told me in the store on those dates that any balance owed to XXXX is now a XXXX balance and that they will make sure that my account reads XXXX balance to all associated departments. 2. On XX/XX/2019 I received an alert from XXXX and XXXX that a Collection from AFNI was added to my credit file for a debt owed to XXXX for {$550.00}. I also saw that it was reported by them on XX/XX/2019. On the debt they reported that is owed to XXXX it stated that the balance date was XX/XX/2019. That is at least thirty-five days ( 35 ) after I returned ALL equipment to XXXX XXXX in XXXX GA store and have a XXXX balance in the XXXX location. 3. This ERROR in their system that caused this problem occurred within their system. 4. I received no warning that after I returned the equipment to XXXX that this collector named AFNI Inc. would post a debt that does not truly exist toward XXXX on my credit file with the Credit Bureau. Even to, there is NO debt owed to XXXX on and AFTER XXXX XX/XX/2019 because all equipment was returned to them in and AUTHORIZED EQUIPMENT RECEIPT LOCATION, an XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX - ( XXXX ) XXXX ), as evidenced by the receipts ATTACHED and the correspondence from them that I include. I have ALSO included the business cards of the representatives I dealt with PERSONALLY in the store. I have, with due diligence, recorded all communication with XXXX and my attempted communication with AFNI Inc . The attempted communication with AFNI Inc. proved useless, but it is recorded, and they were not helpful. XXXX conceded that it was XXXX ERROR / fault and I have it on recording conversations between themselves at the store in XXXX GA and XXXX customer service. They are also sending more information to me in connection with this apology and have stated that they will try to correct it also. It has caused me significant damage for the report of a recent collections on my credit file to my business dealings of such an insignificantly small amount of money that represents such recent activity of fiscal irresponsibility.
09/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77079	Web
Notice for Proof of Claim Account : Afni, Inc. LP BAL {$640.00} To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
10/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33461	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
06/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 18103	Web
I had an account with XXXX XXXX XXXX for a cell phone over 5 years ago. i call altleast 10 times because my bill was so high because there was always extra charges on my bill ( data, games, apps ect. ) that i did not purchase. The customer service agent woulsld apologize and tsake off the charges and assure me this would not happen again. but it did a lot. the final incident was when my checking account bounced because my XXXX XXXX XXXX bill was so high from being frivolously charged for stuff i did not purchase or data. i was so upset i demanded to speak to a supervisor because i was so upset. The supervisor apologized and took off all the frivolous charges, i told the supervisor i did not want service from XXXX XXXX XXXX anymore that i could n't afford my bank account being over charged and i was so unhappy with the service. i wantedmy account closed. the supervisor tried to give me every offer she could so i would stay with XXXX XXXX XXXX. i finally told the XXXX XXXX XXXX supervisor that i was going to cal the XXXX and file a complaint against them for breach of contract and their horrible service. The supervisor said sahe would close the account, i still had to pay for that month and the XXXX XXXX XXXX supervisor closed my account with a {$0.00} balance. and i went to a different company. In XXXX 2016 i became a member of credit Karma and i was looking over my credit report and saw a account in collections for AFNI for {$480.00}. The collections account was for XXXX XXXX XXXX mobility. I cALLED XXXX XXXX XXXX and the customer representive said there was nothing they could do because the account was turned over to a collection agency. I said a {$0.00} balance account? XXXX XXXX XXXX were rude and said to call AFNI. I called AFNI and explained what happened with XXXX XXXX XXXX and that i disputed the claim through transunion and equifax, AFNI would not work with me or listen to anything i had to say. the representitive said just pay it, or set up a payment plan. i even faxed AFNI a settlement i received from XXXX XXXX XXXX because there was a class action lawsuit against XXXX XXXX XXXX for what happened to me. AFNI did n't care and just wanted me to make a payment plan. I am so upset with XXXX XXXX XXXX and AFNI for the way i was treated by both companies. i am so upset i do n't know what to do anymore. please help
04/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 920XX	Web
I had a XXXX account in XXXX, XXXX and 3 months of XXXX. It included XXXX XXXX XXXX home phone XXXX XXXX XXXX XXXX High Speed Internet and XXXX XXXX XXXX XXXX XXXX on XXXX bill. My bill was about {$150.00} on average per month. My wife took care of the bills. In XXXX of XXXX I looked at my XXXX XXXX XXXX monthly billing statement that was on the coffee table. I about blew a gasket, the bill was over {$400.00} for the month of XX/XX/XXXX. Under Billing Summary there was a new service included, XXXX XXXX XXXX Wireless. My daughter and her boyfriend XXXX XXXX ordered XXXX XXXX XXXX wireless and somehow added it to my XXXX XXXX XXXX account without my knowledge or permission. I called XXXX XXXX XXXX and asked who authorized the wireless service on my XXXX XXXX XXXX account? They said XXXX XXXX did. I said no I did n't, besides that 's not my name. I 've never used XXXX XXXX for anything I 've ever subscribed to or signed up for. I cancelled my complete account. XXXX XXXX XXXX home phone, XXXX XXXX XXXX high speed internet, XXXX XXXX XXXX XXXX and of course XXXX XXXX XXXX wireless. It was shut off on XXXX XXXX, XXXX. I have a Final Bill that shows under Billing Summary everything was shut off except XXXX XXXX XXXX XXXX, that they charged me an extra month for {$40.00} even though I cancelled it with the other services. I paid my final bill and that was that. WRONG! I did n't receive anymore bills, but the wireless service continued without my permission or knowledge. The service statements changed to XXXX XXXX XXXX Mobility, different color bill statements, billing address was different, account number was n't my account number from the XXXX XXXX XXXX service I had. XXXX XXXX was the name they used on this new account even though I freaked out at them for it being on my previous XXXX XXXX XXXX account that I paid and closed. So this new wireless account used XXXX XXXX ( I 've never used ) had a different billing address and a different billing company and a different account number. XXXX last thing, on the final bill for this unauthorized collection account there after me for they changed the billing address back to my address on the XXXX XXXX XXXX account I had previously closed. So they changed the billing address on the very last bill statement to my address. Is n't that illegal? I think so, I know it 's not right.
02/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33411	Web
XXXX, XXXX XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
03/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34771	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX AFNI, INCXXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. 11-MD-2295-JAH-BGS, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
06/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 344XX	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX AFNI, INC. XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
07/31/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33487	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Attention dispute department Afni, Inc. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious Afni, Inc. I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
08/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32955	Web
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XXXX AFNI, XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1964 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
04/08/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33186	Web
Todays date:XX/XX/XXXX To whom it may concern : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX AFNI Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AFNI I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX , XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
08/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33418	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1958 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATE:XXXX AFNI Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AFNI I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1958 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
02/27/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33460	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX AFNI, INC. XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. XXXX XXXX for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
06/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web	Servicemember
XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attention to AFNI : Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XXXX of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AFNI I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30224	Web
AFNI, INC has engaged in collection activity prior to validating a debt and has not submitted any documentation to support their claim. I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2021. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested to receive notarized validation from AFNI via certified mail RR # XXXX XXXX XXXX XXXX XXXX and the company has ignored my request. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
09/29/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11550	Web
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX
05/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34953	Web
Attention dispute department Todays XXXX AFNI, INC. XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AFNI, INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1985 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
08/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33462	Web
XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX AFNI , INC XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AFNI , INC. XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1998 ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
04/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78238	Web
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AFNI, XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/1971 ADDRESS XXXX XXXX XXXX APT XXXX, XXXX XXXX, TX XXXX
07/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	GA 30294	Web
I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR AFNI, INC., or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. This DEBT COLLECTOR AFNI, INC., has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for a CORPORATION. I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR AFNI, INC., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR AFNI to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR AFNI, INC., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime.
06/21/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30034	Web
I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have send a request to AFNI demanding a CERTIFICATE OF ASSESSMENT and other relevant information. AFNI has refused to respond. I sent the letter to AFNI via certified mail XXXX XXXX XXXX XXXX XXXX. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
11/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21742	Web
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your company notice pursuant to 15 USC 1602 [ a ] that your Company never that your company never provided adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement. According to 15 USC 1602 [ k ] the terms adequate notice means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder. Since adequate notice was not given as per the above-mentioned section, I couldnt understand its meaning which is a violation un 15 USC 1602 [ k ]. Further pursuant to 15 USC 1601 [ a ] consumer must be aware of the cost of transaction. Since I was not aware of the transaction therefore made an uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. From your end I have not benefited from this transaction which again is a violation of 15 USC 1602 [ p ]. According to 15 USC 1602 [ p ] The term unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. I hereby request you to do the below mentioned things : DELET THESE ACCOUNTS AND VALIDATE THE DEBT 15 USC 1602G [ 4 ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX now ALSO UPDATE THE LATE PAYMENTS TO PAID ON TIME If you accept my request, I will not escalate this matter to the Federal Court. in case, you dont accept the above request a legal action shall be taken against your Company for compensatory damages. Thank you for your attention to this matter. Since XXXX XXXX XXXX. ALL RIGHTS RESERVED WITHOUT PREJUDICE UCC1-308
04/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	WA 98391	Web	Older American, Servicemember
I discontinued my telephone and internet service with XXXX XXXX in XXXX of XXXX. I paid the XXXX bill of XXXX on XXXX/XXXX/XXXX. XXXX XXXX TV was bundled with XXXX XXXX phone and internet service and it took 2 months for them to stop billing me for XXXX and release me to pay them directly rather than through XXXX and they would not release me until I had a final bill from XXXX XXXX and had paid it. I paid XXXX XXXX XXXX on XXXX/XXXX/XXXX and XXXX on XXXX/XXXX/XXXX. I was told at that time that I had paid all I owed. I paid my XXXX bill for XXXX to XXXX on XXXX/XXXX/XXXX and continued to pay them from that point forward. In XXXX of XXXX I received a notice from a collection agency demanding payment of {$51.00} due to a balance due on my account with XXXX XXXX. This was 9 months after I had discontinued my service with XXXX XXXX and 7 months after I had been told by XXXX that I had paid the final bill with them. Rather than contact or bill me directly, they turned what they claimed I owed them over to a collection agency. I spent over an hour on the phone with several different people at XXXX XXXX trying to get an explanation for the charge. I was finally told that the amount came from money they paid to XXXX on my behalf. The problem is that I never missed a payment to XXXX. I had paid XXXX for XXXX and XXXX and then I paid XXXX directly starting in XXXX of XXXX. If XXXX XXXX paid money to XXXX after XXXX then they paid money that was n't owed and they need to talk to XXXX about refunding it. XXXX XXXX reported me to the credit reporting companies and my credit rating took a big drop from almost XXXX to under XXXX. I contacted the agencies and disputed the debt. They researched it and deleted it. My credit rating went back up to over XXXX. Then XXXX XXXX turned my account over to another debt collector and I got another demand for payment dated XXXX/XXXX/XXXX from the new agency. I assume they will report me to the credit agencies again and I will have to go through the whole process again. I do n't owe them any money and it is nothing short of harassment for them to be demanding payment from me. The debt they claim I owe is the result of their inability to manage their own account records.
07/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 20772	Web
I received a collection notice from AFNI dated XXXX/XXXX/XXXX. The alleged amount owed was {$59.00}. This allegedly represented the final amount due on for cable services from a XXXX account I had in XX/XX/XXXX while living in with XXXX XXXX county XXXX service area. I called the AFNI to dispute the bill as I am certain the final bill was paid. I left XXXX on XXXX XXXX, XXXX so that I could move into temporary housing provided by my new employer in the XXXX XXXX area. As the temporary housing was paid by my employer, including all utilities for a six month period. I did not attempt to transfer XXXX services. I turned in the cable box and paid the final bill in XXXX XXXX and relied upon a hotspot I had with another ISP for internet service after I turned in the equipment to the XXXX XXXX XXXX in XXXX XXXX XXXX. After I left the temporary housing in XXXX, XXXX I moved to XXXX, XXXX and established service with XXXX once again XX/XX/XXXX. Although I have been with XXXX since that time, I have turned in equipment from one market, ( XXXX ) and reused new equipment in a new market ( XXXX ). I am well aware of the protocol. On XXXX XXXX, XXXX I received another bill from AFNI for {$500.00}. This is nothing less than extortion. It has been roughly 6 years since I turned in the XXXX equipment from XXXX county XXXX. I have been with XXXX since that time with the exception of the time I was in temporary housing. If I had not turned in the original equipment XXXX would have billed me for it by now. I do keep records for 3 years but it is long past that time. I was informed by the AFNI representative that absent documentation from 6 years ago they would pursue this issue. It is simply unreasonable to allow a subsidiary of XXXX ( AFNI ) to extort consumers who do n't maintain paper receipts of a transaction with their organization from years past. XXXX left hand is n't talking to it 's right hand. This bungling bureaucracy can not be allowed to extort consumers, let alone its own customers. I specifically dispute the original {$59.00} charge and the additional {$450.00} AFNI tacked on to extort me into paying the original {$59.00}. Perhaps this is one of the reasons XXXX is such a hated company.
09/26/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 31520	Web
I have noticed AFNI, Inc, and told them to CEASE and DESIST and I've demanded information from them as well as demand that they delete this account from my credit file. I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with AFNI, INC or anyone they claim to represent. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
04/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 30047	Web
I was with XXXX for 10+ years and never have I been late on my monthly payment. The account was always paid in full and on time. When I decide to move my account to XXXX and port my XXXX numbers ( XXXX, XXXX, XXXX, XXXX ) my XXXX account goes haywire and starts to add numbers I have never used before after I left. I contacted XXXX at XXXX authorized store and asked him what is going on, he told me he will look into it since I provided him my personal information to switch my account over since he did XXXX and XXXX both. Next thing I know there are couple of iPhones and new numbers on my account I do n't recognize or authorized anyone to make changes other than port my XXXX numbers mentioned above. I contact XXXX when I received a bill questioned them about the charges and told them these are fraud charges not authorized by me, they did n't do anything and told me I have to pay for it. I even went to the XXXX store physical to get this resolved presented my identity but failed to remove the charges and telling me someone on the account made the changes. I explained to them that the changes are done by one of the representation ( XXXX ) at your authorized retail store in NJ without my authorization but nothing was done. I even contacted XXXX to straight this out but he claimed he handle it and I thought it was gone for good but when I went to refinance my house, the agent pulled my credit report and informed me my credit report is too low and there is collection on my credit report. I still have the current XXXX numbers mentioned above and are the only number I have ever used. I tried to contact XXXX and XXXX but they are not taking any action, so I have filed a police report with local authorities and want to get this remove from my credit report completely and settle this once and for all, please help. For conclusion, I should not be liable for {$2100.00} after reaching out to XXXX numerous times mentioning fraud done at the store level without my authorization, they were clueless and unwilling to help in timely manner and are dealing with a clearly broken system to resolve issues, especially those pertaining to fraud. Please contact me at XXXX if you have any questions.
04/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
When I purchased a house in XX/XX/XXXX, someone was able to get my SS #, and opened a mobile XXXX XXXX XXXX account. They used a variation on my name, but my correct address for billing at some point in XX/XX/XXXX. The thief purchased a new phone and services, and racked up nearly {$1400.00} in debt. I only found out about it when XXXX XXXX XXXX sent the bill to collections, and then I was contacted in XXXX of this year ( XXXX ). After contacting them, I was sent a fraud packet, which I returned as requested, with a police report, forms of identification showing my legal name, copies of bills, and my actual XXXX XXXX XXXX bill ( I've had them for service for over a decade ). My request to decline the fraudulent bill was denied, and I was informed that I still was responsible for the money owed. When I challenged this ( XX/XX/XXXX ), I was told they would investigate it again, and XXXX weeks later ( XX/XX/XXXX ), XXXX XXXX XXXX sent me the exact same fraud packet, asking for the exact same information I'd already sent them, which will do nothing but put me through their same system again. At no point has anyone actually spoken to me, or compared the bills showing that I've been a customer in good standing for as long as I have. Nothing 'new ' can possibly come from sending them the same information again, and I have no intention of paying for a bill I did not accrue. Attempting to contact their fraud department via phone, leads to a message stating 'high call volume ' and to set up a report online ( which I did as well ), but at no point does it send you to an operator. The call then hangs up with no other recourse. Calling a line for 'assistance in setting up the online report ' does get a live operator, but they are unable to help in advancing any other information to 'powers that be '. To reiterate : I have been a customer in good standing for over a decade, and have not missed or been late on any payments in the same time. Someone else opened an account with a misspelling of my name. Attempted resolution of the debt has been declined for reasons not stated. Challenging this decision puts me back through the exact same process that has been denied already.
08/14/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	TX 77498	Web	Servicemember
The root of the problem goes about 6 months ago when my son 's XXXX XXXX got involved on an accident with XXXX XXXX, client of XXXX XXXX, reference # XXXX : XXXX/XXXX/2014. The accident was resolved and declared as mutual responsibility. However, XXXX claimed it different to XXXX, who paid her claim and after filled a collection bill on my name and my son 's name. Soon, I started receiving letters and threating phone calls from a company called AFNI, saying they were legal representatives of XXXX and telling us we need it to pay the bill immediately or face jail time, drivers license suspension and claims on the credit bureaus instead. After reporting this situation to XXXX, XXXX representative XXXX XXXX closed the case and sent me a letter saying the collection was definitely resolved and apologized for the inconvenience. I have this letter on my possession, showing that the case was closed and resolved. We moved on, but two weeks ago my son got pulled over to find out his license had been suspended by XXXX and AFNI collection company since the accident took place. He was driving without a license for months and we did n't know because we were not notified by either of these companies. We have contacted the State and pertinent authorities and they have told us, they need form XXXX signed in order to reinstate my son 's driver license. We have repeatedly called AFNI collection company and asked them to signed this form giving the proof that the case was closed and resolved, but this company supervisor refused to signed and laughing told me " you can paid the amount ( collection bil ) or you will never see your son 's driver license again '' " this is not my problem, contact XXXX and have them sign ''. I contacted XXXX and faxed them the letter they sent me stating that the case was closed, and I have got nothing but promises that someone is going to help me, but no one has. In the process, my son has no driver license and I 'm sending off to college. Also, I requested a proof of debt which I never received, most likely because this case has been closed and resolved and because we never went to court over this debt that was falsified by XXXX, client of USAA.
07/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AZ 85716	Web
I ordered phone and internet from XXXX years ago, they were not able to provide the service to my house in accordance with the agreement to me getting the service. It was something about the phone lines on the poles outside being too old. Since nobody was on that pole, they did n't want to put a new one in just for me, so my service was terrible, it did n't work. I called and they agreed to cancel it. We parted ways. I got service that cost me more from a different provider. Then they started calling me a week later saying that I owed them since we had a contract for when I signed up. I explained that they could n't provide the service, no sense in me paying for something I am not getting. They were threatening and intimidating me, saying that they have a signed contract with my signature and me on voice recording agreeing to their terms. I got irritated and told them to take a hike, and hung up. They would call and I would try to reason with them, explaining that I do not have any of their equipment or service. These tactics of verbal intimidation and agressiveness continued for a few months and then stopped. And then the collections agencies started calling. I simply told them to validate the debt within 30 days or take it off my credit report. None of them to this date have provided me any validation of the debt, I have yet to see one bill or anything that shows I owe what they say I owe. They have sent me a copy of my first bill, which I paid, because they gave it to me a few days after install, before the service was cancelled. So this " debt '' was sold or transferred around to several different debt collectors until it ended up with AFNI, who is now reporting it against me on my credit. I can see on my credit report that it shows that it is still in dispute, since XXXX 2014 when I last talked to them. They need to take it off of my credit report. This is unacceptable. They have had plenty of days to provide validation of the debt. It is unfair to continue to pursue bad debt. These are bullying techniques. I do n't see how this is allowed. If a company sells off bad debt and then the buyer finds out, they ca n't hold that against the consumer.
08/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70461	Web
First main issue is that Afni , Inc account appeared on my Credit File as a new opened account XXXX, XXXX, in the amount of {$2100.00} that went into collection the same month it was opened. Which is showing as derogatory and hurting my good credit that I have worked tirelessly to build. I have disputed with all 3 bureaus because 1 ) I have never been in a contractual agreement with the reporting company 2 ) I have never been late with payment or delinquent with XXXX XXXX XXXX because I DO NOT have an individual account with XXXX XXXX XXXX. 3 ) The obvious how can you be delinquent the same month an account supposedly was opened. 4 ) This is fraudulent scamming activity and 5 ) this happened in XXXX twice and earlier this year but under a different name for XXXX XXXX XXXX with the same issue that I opened the account the same month is went delinquent. However, when I disputed it was removed according to FCRA practices. 6 ) I have done my due diligence with disputing this XXXX XXXX XXXX collection and requesting they provide proof, and they always tell me they do not have me owing them because I do not have an account with them. In fact, two of the bureaus XXXX and XXXX I have opened more than one dispute because I was dissatisfied with result. Which has led me to use my right to make formal complaint against XXXX, XXXX and AFNI , INC. It should also be noted that because of the last complaint and issue with this fraudulent item that fraud alert has been placed on all three bureaus. I do not owe anyone any money. As my credit file indicates 100 % excellent payment history because I pay my bills and creditors on time every month. The right and fair thing to have the credit bureaus remove this inaccurate/fraudulent information from my credit file because it is not mine. As well, as for AFNI , INC, to cease from reporting this inaccurate information and or provide documented proof that this account belongs to me. There are no documents for me to provide because again I have never been in a signed contract with AFNI , INC nor am I in default or have been delinquent with an individual account with XXXX XXXX XXXX. Respectfully Submitted, XXXX XXXX XXXX
10/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	CA 92647	Web	Servicemember
I received XXXX letters on XXXX different dates ( see attached XXXX letter ) from AFNI Inc. that I am liable to XXXX XXXX XXXX for {$2100.00} regarding an incident ( auto accident ) that occurred on XXXX with XXXX XXXX XXXX. The letter clearly states that the facts of the case indicate I am liable for a loss incurred. The letter also states that the Department of Transportation may have been notified to determine compliance with the Financial Responsibility Act, along with the Secretary of States ( XXXX ) Office to possibly suspend my driving or registration privileges. Additionally the letter indicates that I may be charged {$4.00} for processing. I phoned the customer service center on XXXX at approximately XXXX PST and spoke with an unidentified female customer service representative. After providing the AFNI file number, the representative claimed that I was involved in an auto accident at XXXX and XXXX in XXXX XXXX, CA. I told the representative that I was not in any accident at which time she asked if my license ended in XXXX. I told her it did not and she replied " how about XXXX? ". Again, I responded no. She then said that was supposed to be my driver 's license number, not license plate. At this point, it was clear to me that she was fishing for information and I stated such. I also advised her that my last name was not the same last name on the attached letter. My last name is XXXX and the letter shows XXXX. She told me cops make typos all the time and I advised her that as a XXXX, I can assure her that we are required to file accurate reports. At this point I asked to speak to a supervisor, which she declined, then hung up. I am concerned that this company is using aggressive and flawed investigation and recovery techniques that would cause serious financial problems to people that are n't familiar with law enforcement reporting and investigation. I was targeted for financial recovery without cause and due diligence. There is no preponderance of the evidence, which was not listed, to find me liable in any way. I am not confident that this company will cease attempts to collect this debt for which I did not incur nor am responsible for.
12/13/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30349	Web
I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/XXXX. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I sent a request to AFNI, Inc via certified mail XXXX XXXX XXXX XXXX XXXX and AFNI, Inc has not responded and did not provide the information requested. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
06/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	RI 02860	Web	Servicemember
I requested to join XXXX XXXX online on their website on XX/XX/XXXX, and they sent me XXXX cards for my devices. I did not receive the XXXX cards and requested via online chat for XXXX XXXX to cancel my order and close the account on XX/XX/XXXX. I received email confirmation that my request to cancel was initiated. I decided to try in-store to create my account with XXXX XXXX instead . I went to the store on XX/XX/XXXX and was told that there was still an active account preventing me from opening a new account and was told to try over the phone with XXXX XXXX customer service. On the phone with customer service, I was told until the first account is completely purged from their system, I could not open a new account. My case was forwarded to a supervisor, I was told. I called back a few days later as instructed and was able to open my new account with XXXX XXXX ( which I currently maintain and pay the bill monthly on time ). I was told that whatever account was active before is no longer open and was resolved. In XX/XX/XXXX I received a letter of collection from Afni, XXXX XXXX ' collection agency. I called Afni on XX/XX/XXXX and explained the situation. I was told that the issue would be forwarded for review and instructed to call back. Afni 's hours are during my work hours, and it is not easy for me to call each day. Afni never made any attempt to contact me of their findings or any further action of debt collection. On XX/XX/XXXX I received a notification of change to my credit report for a negative report made on behalf of XXXX XXXX. I contacted Afni on XX/XX/XXXX where I was told that their review determined that the debt was valid?! And that because I did not follow up with them after the initial call, they forwarded my debt to XXXX XXXX! This business practice is very unprofessional. I do not owe anything as I cancelled the XXXX XXXX account within 6 days of requesting it, without any services rendered. I have recently contacted XXXX XXXX and filed a dispute with them on their website, however, they have not allowed for me to upload my proof of documentation. This is a farce, and XXXX XXXX is ruining my credit for an error on their end.
11/17/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL XXXXX	Web	Servicemember
RE : Existing complaint # : XXXX XXXX has sent the bill to : Afni, a collection agency. I do not owe this bill. Neither XXXX or Afni has heard my side of this wroglfully accessed debt. Afni just takes the word of XXXX becaue they are a big corporation and can get away with ruining a persons credit without merit or cause. Below is my original complaint. Afni needs to read this. Collection agencies should not have the right to assume a debt is owed without talking with me first. XX/XX/2020 XXXX you will see I purchased an XXXX from XXXX XXXX. The XXXX didn't work properly and I made seven ( 7 ) calls within fifteen ( 15 ) days to XXXX. I also took the XXXX back to XXXX XXXX and I took it to a local computer/phone repair shop. It would be fixed for a day and go back to not working. My carrier was XXXX. The first thing of note is the people I talked with at XXXX had me calling them back until I had PAST THE FOURTEEN DAY return policy. All of my calls to XXXX are verifiable. On DAY FIFTEEN when I called I was told I was out of luck having them do anything for me. I refused to give up and got through to a " specialist '' within XXXX. I'll make a very very very long story short, I was told I had a right to a FREE replacement or upgrade as I had bought insurance that covered a one time replacement. I received that XXXX and it has been working fine. One day I received a bill for the free replacement XXXX. I am being harassed by XXXX and they are putting this debt in for collection. I returned the old ( 15 days old XXXX XXXX as requested ( see attached ). XXXX sent the instructions and a box on how to return the XXXX, which I followed. I sent it back within the timeframe stipulated. XXXX is absolutely in the wrong. I will not pay this bill and it should not go into collection. Not until I got farther up the line of employees at XXXX was I told I had the replacement coming to me. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. This debt needs to be canceled and taken out of collection. I did everything I could to resolve the issue with that phone and it was not fixable.
06/01/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77584	Web
AFNI INC CORPORATION SERVICE COMPANY XXXX, GA, XXXX, United States To : The Office of Registered Agent for AFNI INC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! I swear under penalty of perjury that all of the above mentioned information is true and accurate. By : XXXX XXXX XXXX
12/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MA 02143	Web
I received a letter in the mail today from a company called afni, attempting to collect {$86.00} on behalf of XXXX XXXX XXXX. They just keep selling this balance to a new collection agency and I keep disputing. I win the dispute and then find out it's been sold to another company. THIS SHOULD BE ILLEGAL! When I was with XXXX XXXX XXXX, I did NOT have the service I was paying for. I run an online business from my phone and was not getting internet service. If you review my records with XXXX XXXX XXXX, you will see that I called them MULTIPLE times, saying that I could not work like this, without the internet working. Also, before even signing up for XXXX XXXX XXXX, I went into an XXXX XXXX XXXX store and a sales representative quoted me for a monthly service, after we discussed plan options. He wrote the monthly amount on the back of his business card for the plan we decided upon, but I told him I would think it over and come back the next day. ( I was with my previous company for 15 years. ) I DID go back the next day and was told that the promotional plan rate we talked about had ended -- but not to worry! I could sign up, and then call customer service and they'd honor it because I had just been in the store. Well, guess what? That did not happen! They did not honor the agreed on monthly amount that I signed up for! So, also look at my account for that. I called on DAY ONE! I am tired of huge companies like this being bullies, changing things, and not caring at all about the violation. It's wrong! Why should I have to pay for ( 1 ) a price offered that was not honored and ( 2 ) I did not even receive the service that was to be included in the plan! The collection agency told me I could " just pay {$50.00} '' to make sure it " didn't get on my credit bureau '' but that too should be illegal! Why should I have to pay a single XXXX to avoid having something put on my credit bureau that I don't owe, under a company that used misleading tactics and didn't provide the service they provided? Also, once a dispute has been determined to NOT be owed, why is it allowed to then be passed on to another collection agency?!!
04/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43110	Web
XXXX, XXXX # XXXX After a careful review of my credit report, I notice that I owe an outstanding balance. I would like to let your company know that I am disputing your claim. Under the FDCPA, I can request verification from third-party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC. Under the FDCPA Section 807,811 ( a ) ( 2 ), 1692 e ( 3 ), and 1692 e ( 10 ) ; and the Ohio Law 1319.12 ORC Taking Assignment of Debt, you failed to submit the proper documentations to validate the debt. So, I am asking that your company supply me with a copy of the following : 1. Proof that you either own or were assigned that debt from the creditor. 2. Proof that you have the right to collect this debt in my state. 3. Proof that your company carries a bond. 4. Proof on how your company assessed the outstanding debt. 5. Payment history from the original creditor. 6. Name and address from the original creditor. 7. Company if the original contract bearing my signature. 8. Where is the notification of debt? 9. Proof of transfer of debt. 10. How was the interest and accounting principles accrued? 11. Where is the exchange of title of ownership? 12. Where is the contract for 1319.12 ORC Taking Assignment of Debt ( C ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Thank you for your time and cooperation.
05/24/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32258	Web
In XXXX XXXX I received a letter fr om Afni Collections , Inc. regar ding a debt with XXXX as the creditor and the balance as {$4500.00}. I mailed a certified letter of dispute stating I do not owe this debt and requesting they verify the debt as required by FDCPA. Within 30 days I received what appeared the exact same lett er ( s ). I then followed that with another certified letter of dispute but stated they must validate the debt and to asked for the following : 1. Agr eement with your client that authorizes you to collect on this alleged debt. 2. Agreement that bears signature of the alleged debtor where he promises to pay the original creditor. 3. C omplete payment history on this account, to prove that the amount you wish to collect is accurate. Within 30 days of my second letter I received another letter fr om Afni but all they included of the requested items above was a bill. The bill reflects a bill period of XXXX XXXX - XXXX XXXX XXXX and the same name as mine with an address in New York ... the bill shows the following devices : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With that said, I have never lived in New York nor have I ever set foot there and have been a Florida resident 100 % since birth. I have never owned/purchased/leased any of the above items and I have not had an account with XXXX for near ly 10yrs if no t greater. I believe this to be a result of identity theft. When filing my XXXX taxes in early XXXX I became aware of a fraudulent attempt of a filing in my name. Fortunately that filing was flagged and held and with me being an early filer it was never processed. There was no compromise to my knowledge and the IRS handled it well and assigned me a PIN, etc. My XXXX filing earlier this year was smooth and successful and my credit shows now compromise as well and it certainly does n't show any XXXX account or reflect such neglected behavior which I stated to Afni in my last letter to them. This is not my debt and Afni nee ds to cease their actions towards me. Kind regards
03/09/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MS 39047	Web
We sold our home at XXXX XXXX XXXX, XXXX, XXXX XXXX on XX/XX/XXXX. I personally took all of the XXXX equipment to the store located at XXXX XXXX, XXXX, XXXX XXXX, on XX/XX/XXXX to return and requested the account be closed. The account was in good standing at the time and I even paid the bill that came due on XX/XX/XXXX for {$240.00}. I received late payment notices from XXXX starting after XX/XX/XXXX stating I was past due for XX/XX/XXXX. I contacted XXXX a total of ( 5 ) Five times between XX/XX/XXXX and XX/XX/XXXX. Three time in person at the store ( including the original return of equipment date on XX/XX/XXXX and two times by phone ). During one of the two times by phone I received a " ticket '' number XXXX from the XXXX representative on the phone and was told the account would be updated and closed per my initial contact on XX/XX/XXXX. On XX/XX/XXXX, I received another statement in the mail stating I was now past due for the months of XXXX and XXXX, XXXX. I went back to the XXXX store located at XXXX XXXX, XXXX, XXXX and informed the XXXX representative of the situation. He pulled the account up and informed he corrected it and showed it closed per XX/XX/XXXX. I left the store and received an email about 10 minutes later from XXXX showing where the account was closed, but dated XX/XX/XXXX and NOT XX/XX/XXXX. I returned to the store and spoke with the same representative, again, and he assured me he specifically put in the notes for the account to be closed XX/XX/XXXX. I now learned as of XX/XX/XXXX, that XXXX has turned me over collections. I am disputing this claim. I have documentation showing where the house was sold on XX/XX/XXXX and we moved into a new home the same day. This is absolutely ridiculous. I did everything required to close the account and still not resolved. I have also filed a complaint with the XXXX XXXX XXXX. I have attached a copy of the closing paperwork on our house located at the residence where service was provided relation to the bill and also a copy of one of the " XXXX ticket '' numbers I received during one of the 5 conversations with XXXX representatives. Thank you.
09/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85210	Web
XXXX, badge number XXXX, from a company AFNI called at XXXX on XX/XX/2019. I have a portion of the call recorded. He identified himself and said I had a debt that had gone to collection from XXXX. I disputed that fact and asked how he got his information. He gave an account number and service address that was not associated with me. I said that his information is incorrect. He went on to pressure me saying it was my debt and that he would work out a " deal '' but only if I paid him today. I repeated that his information is incorrect and he said it was valid and because he got ahold of me it was the same as verifying it as legitimate. I told him I had no unpaid bill from XXXX but he persisted by raising his voice, insisting that this debt would go to collection to the credit reporting agencies and negatively effect my credit. He refused to acknowledge the fact that his information was wrong and that it was most likely a mistake and even said I would not accomplish anything by calling XXXX because they had already transferred the debt to AFNI. I asked him to repeat the information he had. He again recited an account number and service address that was not associated with me so I asked how he could report anything to credit agencies if the debt wasn't mine. In response he actually said that the effect of the negative report would be more costly on me than the actual debt which he said was only {$120.00}, however, he would discount it to {$90.00} if I paid it now. I then started recording and asked him to identify himself which he at first refused saying he would never give me his last name. He then argued that I had been dodging him by not answering previous calls. I stated typically don't answer unknown numbers especially if they don't leave a message. He said they never leave messages. His overall language was threatening and harassing in nature. At this point I fully believe based on this conversation that AFNI will take action even though the debt isn't valid and they only made contact by phone. I have not received any official notice by mail, from XXXX or from AFNI establishing that I had any unpaid bill.
08/29/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 323XX	Web
I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice AFNI, Inc did not respond when I requested information from them regarding the alleged account
08/29/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	PA 19104	Web
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT AFNI INC Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious AFNI, INC Reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
11/14/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 19061	Web
TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT for AFNI INC. Reported : XX/XX/XXXX Account # XXXX. Your company has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious Afni Inc . I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
03/14/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30263	Web
AFNI, INC HAS BEEN NOTIFIED. SEE ATTACHMENT I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate AFNI, Inc has committed the following violations : Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
06/24/2020	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	CA 93306	Web
XXXX XXXX XXXX XXXX, XXXX, CA XXXX. I visited location after receiving a bill. Employee, told me that I had purchased a tablet on my account. I never purchased a tablet, then he said it was a lab top, I never purchased a lab top. He did not show me the alleged receipt or my signature for this item. I made numerous telephone calls to XXXX, I was treated badly, left on hold for hours. Desperate I contacted the XXXX, as a result a man who stated he was from XXXX called me, tried to speak to him, but he was threating me, he was very nasty and rude. Never heard from him again. As a result they placed on collections for XXXX something I do not owe. I disputed this item on my credit report 3 times already, it was removed deleted all 3 times. However it was placed on my credit report again. I contacted the collection agency, AFNI, INC XXXX. XXXX XXXX XXXX, IL XXXX, spoke with XXXX, explained this collection is not accurate not mine, it has been removed and deleted 3 times. She was very stern and short, accused me of not contacting the police for identity theft. I told her I contacted the XXXX, after I tried to resolve with XXXX. She said she didn't care, this item was not sold to the collection agency, she stated it belongs to XXXX, and they can do what ever they want! She also threatened me by saying it was going to start being on my credit for 7 years. I told her that I was going to contact you the CFPB and she stated " you can contact who ever you want, but until you have a police report there is nothing you can do. She demanded that I provide them with a police report, wanted my home address and telephone number. She stated she would mail me paperwork to fill out and an affidavit. I currently live with someone who is battling XXXX, I'm limited to time, and the outside public exposure, I'm desperate these people wont leave me alone. I'm really hoping you can help me. I also contacted XXXX to let them know they helped me dispute this item in the past, they know this item needs to be deleted. Why is it still in my credit report? I filled out a dispute with XXXX.
10/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MN 553XX	Web
On XXXX/XXXX/2016 I started the process to get a debt from AFNI , Inc validated after seeing a trade line on my report in the collections tab. I sent a certified letter dated XXXX/XXXX/2016 to the address listed on my credit report ( XXXX. XXXX XXXX XXXX, IL XXXX ) disputing this debt and requesting validation of said debt within my rights of the Fair Debt Collection Practices Act Statute 807 { 15 USC 1962e ], which requires them to send me validation containing MY signature for the debt owed to them within 30 days of receipt of my letter. The letter was received on XXXX/XXXX/2016. Within the 30 days as allocated by the aforementioned statute. they sent back copies of a phone bill totaling {$890.00}, and a letter stating ways to pay them. NO SIGNATURE ELECTRONIC OR OTHERWISE was contained in the response from AFNI , Inc . Anyone can make a phone bill with enough know how with Photoshop or many other free programs on the internet, I can take the same bill they mailed me and change it in about 5 min to make it look like THEY owe the bill. That to me is NOT validation of a debt, and none of the forms mailed to me contained any signatures of mine electronic or handwritten. They did mark their trade line on my report as " Disputed ''. Already with no proof of MY signature validating the debt, they have already broken Federal law, by not supplying it within 30 days. I sent a follow up letter dated XXXX/XXXX/2016, received and signed for on XXXX/XXXX/2016, stating to them that by not providing me with validation of the debt, that they have broken Federal law, as good will giving them one last chance to have them to validate the debt, by furnishing proof of contract and signature with them, and demanding removal of their trade line from my credit report immediately if no validation can be provided. Today is now XXXX/XXXX/2016, and there has been one response from this agency. My follow up letter has been ignored, I have all documentation of my attempts of correspondence with AFNI , Inc, and will also be attached with my complaint. This is LEGALLY unacceptable.
12/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98107	Web
Afin Collections Incorporated mailed a collections notice with its account number XXXX dated XXXX XX/XX/XXXX regarding a {$1100.00} debt from XXXX XXXX XXXX XXXX the original creditor, with account number XXXX. A collections specialist informed me the account was open from XX/XX/XXXX to XX/XX/XXXX and went to collections in XX/XX/XXXX. Afin Collections then reported the unpaid as collections to all credit reporting agencies in XX/XX/XXXX. In a XXXX XXXX telephone call I stated to the collections specialist someone had committed identity theft with my social security number, an old telephone number and billing address to open a fraudulent mobile account. I stated that I did make a police report about my stolen property which contained my personal information. I also stated it was highly probable someone from XXXX XXXX XXXX gained access to personal information from an old application for credit. Later that day, I made four attempts to rectify the situation by telephone between XXXXXXXX XXXX and XXXXXXXX XXXX with XXXX XXXX XXXX customer service on XXXX XX/XX/XXXX. Each time I identified myself and requested to speak with someone that stole my personal information to open a fraudulent account, the customer service agents disconnected the calls. This direct action indicated XXXX XXXX XXXX has no intention of resolving the identity theft that resulted in a fraudulent account. The key issues originate with XXXX XXXX XXXX whereby an unscrupulous employee gained access to my personal information and used it to open an account. The information included a former landline number and social security number from an old account application that XXXX XXXX XXXX had rejected. Though my credit did not suffice to open an account by my own merits, someone at XXXX XXXX XXXX used my personal information to get service and run up a bill. To add insult to injury, XXXX XXXX XXXX ignored the fact there are security restrictions on my credit file to prevent identity fraud and theft. However, XXXX XXXX XXXX decision makers believe their company is too big to fail.
02/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76137	Web
Afni , Inc . XXXX XXXX XXXX, XXXX, IL, XXXX To : The Office of Registered Agent for Afni , Inc . From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to repre-sent that you and XXXX AT T are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX , together with a certified copies of signatures contract between you and XXXX XXXX XXXX , you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any XXXX Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly vio-lates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have XXXX days from the date of this letter to respond with all items re-quested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! I swear under penalty of perjury that all of the above mentioned information is true and accurate. By : XXXX XXXX XXXX
11/01/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	IL 60617	Web
A loss was incurred through the occurrence of a minor accident on XXXX which caused the damage of a rea fender of a XXXX XXXX XXXX ( XXXX XXXX ). As at the time of the accident, the damaged fender was still attached to the rear of the car, and this was the singular damage to the car. At the point of the accident, the car was drivable, and the fender was reasonably intact. I agreed to pay for the repairs, but my overture was severely rebuffed. Subsequently, I received a letter from the other parties insurance- XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX making a claim in the total sum of $ XXXX enable a response from an informed point of view, I took the initiative of finding out the cost of a brand new fender and was shocked to know that it costs less than {$200.00}. Upon this astounding discovery, I requested for details of the invoice, the body shop telephone number and other details to verify this claim in my response dated XXXX XXXX XXXX, but rather than providing me with all the crucial details, I received a phone call from AFNI ( A Collection Agency ) Subrogation Officer threatening me that I have no right or privilege to ask for these details and informing me that I could lose my driving privileges and that my alleged debt would go on my credit report. I disputed this claim and insisted that I needed more details of this expenses to enable me verify. But to my shock, I received another letter dated XXXX, XXXX, increasing the alleged claim from AFNI to the sum of {$2.00}, XXXX, which is contradictory to the first letter from the insurance company. Subsequently, I received several phone calls during which several threats were issued by AFNI personnel and a letter stating outrageous estimates, without phone numbers, addresses or invoices of the amount incurred which in effect prevented me from checking the validity of any claim whatsoever. In the same call, they agreed to accept {$2400.00} only if I made the payment over the phone, if not, that they would come after me for {$2900.00}. This is proof that the added {$500.00} is wrongful.
10/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30315	Web
On XX/XX/2021, I disputed AFNI, INC account on my consumer report via XXXX as inaccurate. The account showed a balance of {$680.00} and listed XXXX XXXX as the original creditor. According to Congress, once I dispute the validity of any alleged debts, I will be provided with all 5 requirements to validate the debt pursuant to federal law 15USC1692G. I never received validation. On XX/XX/2021, I contacted XXXX and on XX/XX/2021 I contacted XXXX and XXXX via telephone and informed them of the invalidated and inaccurate information being reported. I asked all involved to stop communicating and reporting for all purposes in regards to me, the consumer, because I, XXXX XXXX XXXX never directed them verbally or in writing to report or communicate anything about me. On XX/XX/2021 and XX/XX/2021 I submitted a complaint via CFPB website. On XX/XX/2021 I contacted AFNI, INC via telephone. Representative XXXX asked for my social security number to verify my identity and I replied I did not feel comfortable with giving out my social, and asked if there was another option to verify. XXXX asked me to confirm my first and last name and address, I confirmed my name and stated XXXX had an old and bad address and that I did not currently have an address. I asked XXXX for a copy of my contract and a payoff quote to be sent to me via email. XXXX replied they were a collection agency and could not provide me with the contract but confirmed the balance on the account as {$680.00}. XXXX stated they could offer a settlement offer of 45 % which would bring the balance to {$370.00} to settle. XXXX then directed me to the website ( XXXX ) and stated everything I was asking for could be found online. XXXX confirmed my account number and information I would need to login online. I downloaded the exhibit offline from the website. As of today, XX/XX/2021, AFNI, INC is still being furnished on my consumer report via XXXX. I, XXXX XXXX XXXX, never gave AFNI, INC permission to report anything to the credit reporting agency pursuant to 15USC1681b ( a ) ( 2 ).
09/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	DE 19711	Web
A two year contract was initiated with XXXX XXXX. After one year the contract was requested to be canceled due to new residency obtained, and the new independent landlord did not allow the XXXX to be placed on the roof of the rental house. XXXX was unable to obtain a signal on the ground of the rental property due to trees around the property. Dish was contacted, and after several attempts the Office of the President agreed to remove the early cancelation fee and the additional 12 months of the contract with notification from the landlord that the XXXX equipment could not be placed on the roof. On XXXX XXXX, an email from the landlord was provided to XXXX XXXX who was employed within XXXX 's Office of the President. Within one week the XXXX box was returned to XXXX via the slip provided from XXXX ( note the name on the slip was addressed to XXXX, not XXXX ). Two years later, XXXX XXXX collection letters began from AFNI. Responses to AFNI along with the notification Email provided to XXXX in XXXX XXXX was provided tot he collection agency in XXXX and XXXX. When the third collection notification was received in XXXX, a phone call was placed to be told the debt is valid. Subsequent to the phone call to AFNI, a call was placed to XXXX XXXX. After several escalation requests, the Office of the President was reached, where we were informed that the debit is valid and I was notified previously that the landlord had to provide in writing on their company letter head that the XXXX equipment can not be placed on the roof. This statement was told to me, two years later for the first time, and is not even a possibility. The landlord is an independent landlord that rents to college students houses she owns independently, not through a leases company. XXXX clearly indicated the early cancellation fee would be removed in XXXX XXXX, and should be held to adhering to their obligation as I held to mine and obtained written notification from the landlord. the {$680.00} comprises of early cancelation fee, interest and late fees.
08/28/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 63020	Web
This dispute has been going on now since the end of XXXXbeginning of XXXX of XXXX with XXXX XXXX XXXX as we had them and their partner XXXX for both our internet provider and satellite TV provider. We would receive one bill and they would split it up as that was the deal that was given to us when signing up with them. When we decided to cancel with both of them at the end of XXXXbeginning of XXXX, we paid our final bill and was told by XXXX billing that we had a refund coming back to us which we received after turning all of our equipment in and making our final payment. XXXX XXXX XXXX has since stated we never made our final payment to them even though we paid the invoice received showing final bill. All of our payments were made online through their billing system in the total amount of {$160.00} each month and XXXX XXXX XXXX would distribute it as needed. They stated it was the portion for XXXX. Starting in XXXX XXXX we chose to switch to XXXX XXXX. The communication between the companies billing departments I explained to them needs to be worked on because the customers money needs to be applied to the correct accounts so these type of issues don't keep happening. I've now been dealing with this for several years and it just keep going from one collection agency to another all because 2 billing departments won't communicate with each other. I paid my final bill with XXXX XXXX XXXX and XXXX. One company says it's a XXXX balance while the other won't listen every time I contact them. I've disputed this before on my other credit report and it was removed now they've put it on the 2 that they didn't have it on previously. It's for {$100.00} and they keep trying to ruin my credit for that. When looking at the rest of my credit you would be able to see that I pay all of my bills so for this one company to try to lie about this over and over is ridiculous. I know other customers of theirs that have had problems with their billing department as well. They should seriously be looked at as to how they do business.
01/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OK 73170	Web
I filed a complaint on 2 companies regarding the same issue back in XX/XX/XXXX - First one on XXXX XXXX = Complaint # XXXX & Second on XXXX XXXX Complaint # XXXX. This is now the 4th time. Below is the history with XXXX XXXX - In XX/XX/XXXX, this was on my credit report with ( 1 ) XXXX XXXX XXXX for {$530.00} ( 2 accounts {$360.00} & {$160.00} = {$530.00} ) I disputed these with the credit bureaus and it was removed from my credit report. I began looking for a home in early XX/XX/XXXX and ordered my credit reports to find XXXX XXXX had placed these 2 accounts with ( 2 ) XXXX XXXX XXXX for {$530.00} ( 2 accounts {$360.00} & {$160.00} = {$530.00} ) again I dispute & it is removed. I was a few days from closing on my home in XX/XX/XXXX when I recieved a call from the Mortgage Broker telling me I could not have the loan because a collection was just filed on my report. I was in complete amazement to find that it was XXXX XXXX again, they had placed 1 account for {$530.00} with ( 3 ) XXXX XXXX. I filed a dispute with the credit bureaus and filed 2 complaints with Consumer FInancial Protection Bureau, 1 on XXXX XXXX = Complaint # XXXX & the result was the CFPB referred complaint to the Federal Trade Commission ( FTC ) on XX/XX/XXXX and on XXXX XXXX Complaint # XXXX & the result was the Company responded on XX/XX/XXXX & was removed from my credit report. On XX/XX/XXXX, I called my bank regarding a car loan & was told no because I had a recent collection. Ordered my credit reports again & now for the 4th time XXXX XXXX has placed that {$530.00} account with ( 4 ) AFNI, INC. Each time XXXX XXXX has sent the account to a collection agency, they change the account number & the date opened. This causes a collection to be on my report & shows late payments which has caused me a lot of grief at a minimum. I have attached copies of the previous complaints I filed with your agency, pages from my credit report reflecting the XXXX XXXX account with the different collection agencies over a period of time. Please Help Me!
05/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MN 553XX	Web
I am writing to dispute charges of AFNI account # XXXX that stemmed from past due charge at XXXX account # XXXX. I entered into a bundled package with XXXX and XXXX while living in XXXX, CO during the time frame between XX/XX/XXXX and XX/XX/XXXX. We moved to XXXX XXXX in XXXX XXXX and transferred our XXXX account at that time ; however, XXXX did not provide service in XXXX XXXX so we had to terminate the service which we did in XXXX XXXX. We paid our final bill upon leaving XXXX ( which was combined as XXXX bill with XXXX ) and then began paying XXXX XXXX directly. In XXXX XXXX, my agency ran a credit check and I was notified of a delinquent balance that was owed to XXXX. I had never received a bill or notification of this bill of any sort. Although I disagreed with the billing because I knew we paid our final bill, I paid the past due balance. The agent confirmed that our mail was returned and assured me that this would be removed from my credit report given that I had never received a bill. Although I thought the issue was resolved, yesterday I received a call from my agencies security personnel who asked me about a past due charge from XXXX. I explained the situation and they ran a new credit check to see if it had been removed. They notified me that a {$150.00} past due account was still showing up on the credit report. After multiple phone disconnections and well over an hour of being on hold, I spoke to an AFNI agent and explained the situation. They confirmed that the prior bill had been removed from my credit report, but informed me that there was another account with past due balance of {$150.00}. I was not informed of this in XX/XX/XXXX and, again, have never received any form of notification of this past due balance. Additionally, the AFNI agents were unable to detail what the charges were for. I am disputing these charges as I know I paid the last bill in the billing cycle prior to moving and I just paid an additional {$120.00} in XX/XX/XXXX. I do not believe the current charge is legitimate.
07/23/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30813	Web	Servicemember
I noticed a collection from AFNI on my credit report in XX/XX/XXXX. The comments on my report stated the original creditor as XXXX. I contacted XXXX in XX/XX/XXXX to inquire about the debt. Although XXXX was able to confirm that I was a prior customer they were unable to retrieve any account information. XXXX informed me that if my account went to a collection agency the agency would be able to verify any debt by providing itemized account statements. On XX/XX/XXXX I contacted AFNI and requested account statements from XXXX. AFNI refused to send any account statements rather they just told me I owed them {$1000.00}. On XX/XX/XXXXI completed an online dispute through XXXX. Upon completion of that dispute on XX/XX/XXXX, no changes were made to the AFNI collections on my credit report. On XX/XX/XXXX, I again called AFNI and requested an account statement with XXXX charges verifying the debt they have placed in collections on my credit file. The representative offered me a settlement and I told him I was not interested in a settlement and that I only wanted verification of the debt. He told me he could send verification of the debt. I have not received that verification. On XX/XX/XXXX I contacted AFNI again to request an account statement showing specific XXXX charges. The representative became somewhat aggressive and asked me what was taking me so long to pay my debt. He told me that the prior representative I spoke to inXX/XX/XXXX offered me a settlement and that I needed to help him understand why 9 months had passed and I still had n't paid this debt. I explained to him that I do not feel comfortable paying for a debt that I may not even owe. I again requested an account statement showing specific XXXX charges. He told me he was unable to provide an account statement and that the only thing I could do is dispute the debt with the credit bureaus. On XX/XX/XXXX I disputed the debt through XXXX. Upon completion of the dispute onXX/XX/XXXX, no changes were made to the AFNI collection on my credit report.
06/17/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30097	Web
I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2020. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which XXXX XXXX XXXX XXXX authorized AFNI INC as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
10/19/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30064	Web
I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
02/03/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30291	Web
I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
04/24/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CT 06902	Web
I had a cellular account with XXXX which I transferred to another carrier in XXXX . XXXX sent me a an incorrect bill for the month I transferred the service. I did not ignore the bill. I contacted XXXX and they confirmed that the bill was incorrect. I have this documentation in writing as a online chat transcript from XXXX that I will be submitting with this complaint. XXXX never corrected the bill. Rather, they first turned it over to collection agency called XXXX XXXX XXXX XXXX in, and around, XXXX XXXX . I became aware of this when my excellent credit rating dropped. I immediately notified the XXXX credit rating bureaus and they removed this from my file when I provided them the XXXX transcript. XXXX in, or around XXXX XXXX , then turned it over to another collection company call ed Afni, Inc. They reported it as negative on at least XXXX credit reporting agencies XXXX & XXXX . I again, reported it as a dispute and XXXX deleted if from my file. However, XXXX came back and reported to me that it was a correct bill based on the feedback fr om Afni, Inc. a nd still have it as a negative in my file. On XXXX XXXX , XXXX I wrote to both XXXX & Afni, Inc ou tlining the situation including the transcript directly from the vendor, XXXX , that indicates the bill is not correct. They both have come back and reported to me that XXXX now says the bill is correct and XXXX will not remove it from my credit file and Afni , Inc. indic ates they may resume collection activities. Apparently if a vendor tells XXXX and Afni, Inc that a bill is correct, even if they have themselves verified it as a incorrect bill, XXXX and Afni , Inc. will take the word of the vendor over the customer. I have a XXXX plus year credit file with no negatives. This has been a tremendous amount of work and has negatively impacted m y credit score by XXXX to XXXX points. I respectfully request that you assist me with resolution of this matter.
06/25/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30030	Web
I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2019. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
08/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32905	Web	Older American
In XX/XX/2022, I contacted online XXXX asking for internet service. From my conversation with company representative, the best choice for my service, was a discounted service plan for 1 year service. I told to that employee that my house will be soon on the market for sale, and he told me that still on that condition, when I move after selling my house, XXXX will move my service to the new address, they cover the entire USA teritorry, only to accept continuing their service for the entire year. I mention that I was their customer for many years, so will not be a problem from my part. After 1 or 2 month, I sold the house of 26 years and I and my family relocated from the old address in XXXX XXXX XXXX to meet our only relatives, our son family. I tried to fill up the moving process of internet service with XXXX, but they did not serve my new address, so I contacted other provider with double price for same service. After a wile, I was receiving letters from XXXX with a {$240.00} charge without any explanation for what service or reason. I mention that I was not able to contact XXXX, only way to contact them is when you ask for a new service contract. I receive a letter from a debt collector on behaf of XXXX for a unexplain reason of {$240.00}, I replay to them I don't have any debt to XXXX explaining all the above and they understood. After a while, another debt collector, AFNI INC, with a debt of {$240.00} that I own to XXXX, not specifying the reason. I reject the debt because I paied all my service bills, and if thy charge me as a penalty of moving I told them how XXXX promised me they will move the service not matter where in USA, so I am ready to receive their service to the new address, as our conversation on the beginning of the contract, the only issue that may be with them. ANFI INC, send me another letter to pay {$240.00} to XXXX because they verified my account with XXXX and there is written my debt. .I do not accept this charge, I did not do anything to pay this amount.
11/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35215	Web
AFNI INC has place derogatory information on my consumer credit report harming my reputation. I DO NOT HAVE AN AGREEMENT WITH AFNI INC, AFNI INC WAS NOT AND NEVER WAS PARTY TO ANY AGREEMENT ON BEHALF OF OR BETWEEN ME THE NATURAL PERSON AND ANY OTHER PERSON., I never gave them permissible purpose pursuant to 15 USC 1681b ( 2 ) to furnish any information on my credit report, nor was I notified about this alleged debt. AFNI INC, is in violation of the FDCPA and my consumer right to privacy. This is active identity theft. No written notice was received within five days of the initial communication as the first communication received from this debt collector was on my consumer report. Therefore this debt is unverified, does not follow the requirements and is a violation of 15 USC 1692g. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt pursuant to 15 USC 1692e. AFNI INC furnished derogatory information on my consumer report creating a false belief that I am contracted with the and owe a debt. Pursuant to 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. In accordance with 28 U.S. Code 3002 ( 1 ) ( B ) AFNI INC. is not a US attorney, an assistant or designated to act on behalf of the US attorney, or an attorney or the US Dept. of Justice or a Federal agency with litigation authority, which means the head of agency with any accompanied private attorney must have a contract made in accordance with section 3718 of title 31 to conduct any litigation or collection of debts pursuant to 18 USC 8 on behalf of the United States and otherwise would have no rights to collect.
04/22/2020	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33312	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
05/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CT 060XX	Web
Approximately 8 years ago I signed up for XXXX services at an indirect store which I later found out is not a corporate store. I had XXXX until last year when all of a sudden I found out that all these years this account was under someone else social security number and that they have added phones to my account. I contacted XXXX right away and they told me that they would get back to by email several times and that never happened. Then I see I received my first debt collector which was very rude and did not know what was going on with my account. I tried to explain to them that they are going after the wrong person and that my social security number is not matching with the one you have. They filled the claim to collections and I saw that in my XXXX report. I reported immediately and they were able to remove the claim to collections verifying that it was the incorrect social security number. For 8 years I been using this account to build my credit and got nothing out of it but this fraud case. So after that first debt collector I contacted the XXXX XXXX XXXX complaint # XXXX and a member of the XXXX Customer Service team got in contact with me. They apologized for what happened and then asked me for my social security number to look into what happened and credit me for the mistake. Instead I found out that they used it to file another claim now with AFNI to come after me for this debt of {$2100.00}. There was also another debt collector before them and I asked for the original copy of the contract to show that this is not my account legally. AFNI collections has called me once and said that they will send me a packet with a copy of the original form instead on XX/XX/2018 I received another bill from the collection company. I would really like help in solving this matter, I spent countless time with many phone calls and nothing seems to work. Please be aware that XXXX has many cases like mine and has not done anything to protect its customers information.
04/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	LA 711XX	Web
XXXX XXXX XXXX cell phone customer since late XXXX 's, they went out of business and when they came back around XXXX I returned. I added another line in XXXX or XXXX maybe earlier had no problems while I lived abroad. When I arrived in XXXX and provided the phone to my aunt around XXXX , I continuously experienced disconnects to my second line and while I was always able to have the line reinstated without incident the issues continued as well in that to my dismay, I discovered the " hard '' way that they changed their original agreement that listed minutes were to " rollover '' so I lost over a thousand minut es on the second line. I was offered to disconnect services since I continued to have problems with their services and that I had not been on contract for several years. Both lines were disconnected by representative with a balance of $ XXXX due to a " reconnect '' fee ( I disputed ) that was promised to be credited to account. I received a {$170.00} bill about 3 months later and when I inquired about this amount, I was informed that the second line was still under contract. I spent " innumerable '' hours speaking to agents concerning " notes '' on my accounts but to no avail. I contacted FCC and did not get results. I joined a class action lawsuit against XXXX XXXX XXXX for overcharge of service fees and received a small check via which I believe that my monies for my " overages '' were possibly deducted from my check! XXXX XXXX XXXX has listed this debt for the year XXXX when the account was closed in XXXX ! I have had a similar incident with XXXX XXXX XXXX in XXXX via which I had business set up in my office building and my son had a XXXX which forced us to relocate to our home in XXXX for treatment and while XXXX XXXX XXXX promised to clear the slate ( never had services set up ) I had to obtain legal representation to remove bill because there were no " notes '' to verify conversations.
02/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	FL 349XX	Web
Dear Collection Agency Rep. THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains I am requesting, under the provisions of the FCRA, 15 USC section 168ii, that you investigate this account. I am requesting that you provide validation of these debts. True validation should not be simply verifying the original creditor, my name, and my social security number. Validation must have the requisites to enable it to be recognized and enforced by the law. In Hinkle v. Midland Credit Management , IncXXXX, the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collection or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract or similar proof ; not just a printout of the payments that were made. It does not suffice. Provide me with the following : A copy of the original contract you alleged I signed. An accounting of how payments were applied. The interest that was added along with any ancillary charges. Identify the original creditor. Prove the Statute of Limitations has not expired. Provide verification or copy of a judgement if there is one. Provide licensing information that allows you to collect in my state. Per the FDCPA 1692G, all collection activity must cease until validation is supplied. Collection activity includes credit reporting. Per the FDCPA this should not be reported to an CRA until validation is provided. If you fail to comply to this request to investigate and delete 30 days from the date of this letter, I will be forced to file a complaint with the CFPB. I will avail myself to pursue all my rights of private action under the FDCPA and or the FCRA where appropriate.
03/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	AZ 85741	Web
On XXXX XXXX, my Chapter XXXX Bankruptcy was discharged without protest. This debt, AFNI, for a XXXX bill, was certainly included. AFNI refuses to close and take this account off of Reporting agencies. I have complained to XXXX, XXXX, and XXXX to take this account off of their listings. They have all refused, and this is the only one remaining derogatory report ( other than bankruptcy ) on all my reports. Not only should it be closed and removed, but the reporting agencies list it as " open ''! I had XXXX pages of creditors. All of them honored the discharged and removed their listings from the agencies like XXXX. This is the only lone creditor account that refuses not only to close the account, but also to remove it. They even list the account as having a {$0.00} balance! Still, they mark the collection as " open '', when the account was reported as being opened in XXXX, XXXX. The actual open date was a couple of years before that. All of these dates surely fell before the filing of my Ch XXXX Bankruptcy in XXXX, XXXX and discharged in XXXX XXXX. Just the fact that this creditor is listed on my report- and especially " open '' is hurting my credit score. I have worked hard to rebuild my credit in 2.5 years, and have been successful. This derogatory mark from this company ( that by law, I was entitled to have discharged ; they did n't even dispute it! ) is sticking out like a sore thumb on my credit report. I have rebuilt my credit very well, but have been turned down for credit due specifically to this " open '' collection account- that is n't even valid! This is a terrible thing to deal with after all the work I 've done to rebuild my credit ; especially since I have done extensive work in disputing this entry to the individual credit reporting agencies themselves! And then, the agencies not removing the entry! Please help me get this last awful derogatory remark- that I am entitled to under the bankruptcy provision- off of my record. Thank you
03/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 38930	Web
My name is ( XXXX XXXX ), a federally protected consumer, and I am making this complaint against ( Afni Inc. ) for committing identity theft. I have never given ( Afni Inc. ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from ( Afni Inc. ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( Afni Inc. ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Afni Inc. ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Afni Inc ) continues its collection efforts, I will file for litigation for actual damages caused and ( Afni Inc ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. XXXX XXXX
06/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OR 974XX	Web
I am a victim of identity theft. An identity thief used my personal information without my permission to open an account with XXXX. The debt was turned over to collections and that is how I found out that I had become a victim of identity theft. I notified XXXX XXXX, XXXX XXXX XXXX and XXXX with phone calls and letters. On : XX/XX/21 I provided all three companies with a letter stating that I was a victim of Identity theft along with ; Identity Theft Report, Police Report, Proof of Identity, Notice to Furnishers of Information. On : XX/XX/21 I sent a follow-up letter with all the previous information. On XX/XX/21 I still had not heard back or received any information. Again, I sent another letter with all previous information. I then contacted all three credit reporting agencies and sent them the information that I had sent XXXX XXXX, XXXX XXXX and XXXX. They did an investigation and found that I was indeed a victim of identity theft and removed the collection from my credit report. I believed this situation had been resolved. In XX/XX/2021 I received a phone call from AFNI Collections in attempt to collect a debt on behalf of XXXX. I explained to them that this has already been resolved and that they should contact XXXX. They sent me a packet, with a list of items, stating that I need to provide them to properly process the fraud claim. I have already spent so many hours working on this fraud claim only to have it start-up again with an another collection agency. XXXX has never provided me with an account application made on paper, online, or by telephone, account statements, signatures on applications and accounts, investigators report, and any information where the account was opened. All XXXX has done is keep sending this to a new collection agency for them to try and collect on a fraudulent account. XXXX needs to be held accountable for their poor business practices that allowed this to happen in the first place.
09/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NH 032XX	Web
I originally had a debt with XXXX cable for {$1000.00}. The debt was sent to XXXX XXXX XXXX ( XXXX ). The account was settled with XXXX for {$510.00} on XXXX ( approval code XXXX ), in order to close the account. Within a month or two another credit collection company ( AFNI INC ) was trying to collect for XXXX {$510.00} ( which would have been the remaining balance to XXXX, had I not provided a lump sum to XXXX to settle the debt ). XX/XX/XXXX -I called AFNI around XX/XX/XXXX to let them know that this debt had already been settled with XXXX . They told me that they were hired by XXXX and that I had to contact XXXX to fix it. I then called XXXX who told me they did not have the settlement in full letter from XXXX. I called XXXX back, and they said they absolutely sent that info to XXXX and they would send it again. XXXX XXXX- I called XXXX and XXXX again to resolve this matter. Assured by XXXX it would be handled, nothing changed XX/XX/XXXX-Again called XXXX to ensure XXXX was sent proper info to realize debt was settled. Given file # XXXX XX/XX/XXXX- Called XXXX again to straighten this out, given reference # XXXX XX/XX/XXXX-called XXXX again. Transferred 3 times, on the phone over an hour and the final person pretended to be from another cable company!! XX/XX/XXXX- disputed AFNI XX/XX/XXXX-disputed AFNI I provided what was a large sum of money for me, to settle this debt and improve my credit almost 2 and a half years ago. Instead of improving my credit, I received another negative account to further affect my credit negatively. I have tried to resolve this matter and been unsuccessful. XXXX was always helpful and I feel reported honestly. XXXX has been rude and incompetent, and AFNI negligent. They were provided with proof of my settlement in full receipt from XXXX and still attempt to collect on me, negatively affecting my credit score for years and thus costing me extra money in the current loans I have.
12/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33157	Web
AFNI , INC . ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AFNI, INC. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AFNI, INC. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
07/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43224	Web
THIS IS A REQUEST FOR AN ACCOUNT CHAIN OF TITLE/OWNERSHIP VERIFICATION OF DEBT. RE : AFNI, INC # XXXX To whom it may concern this is the 3rd or 4th Debt collection agency attempting to collect a debt that has never been verified, never sent noticed before placing it on my credit file violation of both FDCPA & FRCA FEDERAL LAWS. This account has been illegally re-aged 4time prior to landing in the current office database of AFNI INC XXXX XXXX XXXX, XXXX IL XXXX. This complaint is submitted under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill , or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. PLEASE DELETE THIS FILE AT ONCE. IT HAS BEEN IN DISPUTE SINCE XX/XX/XXXX BEFORE IT WAS TRANSFERRED TO THE AFNI, INC # XXXX.
02/21/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 302XX	Web
On XX/XX/XXXX, I retrieved a copy of my 3 bureau credit report and noticed that AFNI had placed a collection account on my XXXX credit report ( Account # XXXX ). I was notified through my credit monitoring subscription on XX/XX/XXXX that AFNI had inserted the account ( s ) on my XXXX credit report. I have never did any business with this company, never heard of this company, nor have I received any correspondence ( dunning letter in particular ) from this company on the alleged debt they are stating is owed to them. I have no knowledge of who the original creditor is and no basis to justify my paying them for a debt that is alleged and not validated. Being that I never received a letter from this company to dispute the validity of these erroneous accounts, these entries must be deleted from my credit report. Per FDCPA, AFNI was required to notify me of this debt prior to inserting it on my credit report and then allowed me 30 days to dispute the validity of such allegation. I DID NOT RECEIVE ANY NOTIFICATION FROM THEM. As such, AFNI should have provide me with an agreement that stated their authority to collect on this alleged debt, an agreement with the signature of the alleged debtor wherein he/she agreed to pay creditor, alleged account number, date this alleged debt became payable, original delinquency date, verification that this debt was assigned or sold to collector, complete accounting of alleged debt and name and address of the bonding agent for collection agency in case legal action becomes necessary. All requested documents must be submitted to me in order for me to determine that the debt is indeed due payable to them. Should AFNI not be able to provide ALL documents, they will need to delete these errneous, unverifiable entries from my report and send a letter communicating such. For AFNI to blatantly violate my consumer rights by placing these accounts on my report directly violates FDCPA.
12/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OR 97478	Web
I ended my XXXX service in XX/XX/XXXX. In XX/XX/XXXX, XXXX sent me to XXXX XXXX XXXX for collection of my account balance. I settled this account for 50% of the amount owed on XX/XX/XXXX, approximately $XXXX. XXXX paid the money to XXXX, and discharged the account back to them on XX/XX/XXXXOn XX/XX/XXXX, I received a notice my credit score had dropped 20 points due to a collection by AFNI being placed on my credit.I was NEVER BILLED BY AFNI. I called AFNI on XX/XX/XXXX and pointed this out, they said it was for the same XXXX account and bill. I explained this account was settled in XX/XX/XXXX, the remaining balance was the 50% written off by the settlement. They didn’t care that they posted to my credit without billing me and told me to resolve it myself. After hours on the phone with XXXX, and XXXX XXXX XXXX, XXXX said they had no record of my settlement (even though they had the payment and claimed I made it on the automated system), or ever sending me to XXXX, and told me the only way to resolve this was to PAY THE REMAINDER of my bill. I got proof of settlement from XXXX, and called AFNI again, today, XX/XX/XXXX, and spoke to XXXX, who spoke to his Supervisor XXXX, who confirmed AFNI never billed me to give me a chance to resolve this, before hitting my credit and dropping my score 20 points! This call; AFNI acknowledged this violation, and said they would fix it immediately and remove it from my credit.However, XXXX continues to state they only ever sent me to AFNI, and said I would need to mail in a dispute. XXXX continues to claim no record of sending me to XXXX and basically called me a liar. XXXX claims they sent them the settlement information on XX/XX/XXXX, and XX/XX/XXXX. I am XXXX and don’t have a printer, nor am I able to get to the post office, I asked for an alternative way to get this info to XXXX and was refused any alternate communication to accommodate my XXXX.
06/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NV 89123	Web
Dear Sir or Madam : I am writing to dispute the following information in my file. I have enclosed the account statement of which I am referring to. This account is inaccurate and incomplete because : 1. On XX/XX/XXXX at XXXX XXXX a call was placed to XXXX XXXX at XXXX during which four employees of XXXX XXXX did confirm that the account was closed on XX/XX/XXXX. 2. The system noted and was confirmed by four employees of XXXX XXXX ( XXXX, XXXX, XXXX and XXXX ) that the account holder did call on XX/XX/XXXX to pay the account. 3. The system noted and was confirmed by XXXX of XXXX XXXX that the account was Written Off in XX/XX/XXXX. 4. Four Customer Service Representatives ( XXXX, XXXX, XXXX and XXXX ) of XXXX XXXX confirmed that they had no record of the account after XX/XX/XXXX or any record of XXXX XXXX or the collection service company Anfi making contact with the borrower requesting payment of the account after XX/XX/XXXX, until now which is 18 months after the borrower called to pay the account. 5. All 4 representatives stated that they could not view nor send the account holder any account history relating to this account and had no evidence in their system of contacting the borrower at any time about the account going to collections. 6. When asked, Supervisor XXXX also refused to send a screen shot of the information that all 4 employees used to view the account when referencing that account. I am requesting that the item be removed from all credit reporting bureaus ; that XXXX XXXX and Anfi cease and desist any further action against this former account holder and to correct the information in their system and any information about this account with any affiliates so that this does not happen again. Enclosed are copies of the collection letter from Anfi dated XX/XX/XXXX supporting my position. Please reinvestigate these matters and delete the disputed item as soon as possible.
11/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33435	Web
AFNI ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AFNI or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AFNI or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX F SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
05/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 77014	Web
XXXX XXXX XXXX XXXX address : address : XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX. Phone number : XXXX This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. XXXX XXXX XXXX XXXX, is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. If this alleged item is not deleted from my report, I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
11/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90805	Web
XXXX continues to report inaccurate information on my credit report. XXXX responded that the debt was verified. How is this possible? What was your method for verification? Who did you contact? I have disputed this account several times requesting physical verification from AFNI. I mailed all letters certified mail with signed return receipt in XXXX, XXXX, and XX/XX/2018. I do not have a legal agreement/contract with AFNI to pay this debt. I asked them several times to remove this account from my credit report. Per my rights, I requested a copy of the original consumer contract with my signature that says I agreed to pay AFNI. AFNI refuses to provide me a copy. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through physical verification of the original signed consumer contract for any and all accounts you post on a credit report within 30 days. Since AFNI refuses to provide me a copy of a legal agreement with my signature that says I agreed to pay their company for this debt, they must REMOVE this account from my credit report. AFNI has and continues to violate my rights according to the FCRA. AFNI is illegally reporting this account on my credit report without the legal verification required by the law ( FCRA ). Please remove the following account from my credit report immediately : Account # XXXX Currently, I do not have a lawsuit pending but I will exercise my rights if AFNI continues to violate my rights under the FCRA and fails to comply with the law. According to FCRA, I may recover actual damages or statutory damages. Statutory damages are up to 1,000 dollars per violation. Under the FCRA, I am also entitled to attorney 's fees and punitive damages. The company has to pay my lawyer, in addition to their lawyer, as compensation for breaking the law. They will also have to pay litigation costs.
02/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38104	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against AFNI for committing identity theft. I have never given AFNI any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from AFNI before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If AFNI can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until AFNI can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and AFNI continues its collection efforts, I will file for litigation for actual damages caused and AFNI will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
09/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	WV XXXXX	Web	Older American, Servicemember
PLEASE MAKE ''AFNI COLLECTION AGENCY '' TAKE OFF THE " FRAUD BILL '' ( THAT I PAID OFF, & THEY TOLD ME THEY WERE GOING TO TAKE THIS NEGATIVE REPORT OFF OF ALL XXXXCREDIT AGENCIES ... .CONCERNING MY CREDIT REPORTS, ( WITH XXXX, XXXX, XXXX XXXX XXXX ). BELOW IS PART OF THE ONGOING CLAIM CONCERNING MY CREDIT REPORT ... ... CONTACT " AFNI '' & MAKE THEM REMOVE ALL FRAUD CONCERNING XXXX XXXX XXXX ( XXXX : ENDING IN XXXX ) ; FROM ALL XXXX ( XXXX ) CREDIT REPORTS OF XXXX XXXX ... .ALSO WRITE XXXX XXXX A PERSONAL LETTER OF SORRY, TO XXXX XXXX, AS THEY LIED TO HIM, AS THEY TOLD XXXX XXXX, THAT ONCE " AFNI '' PAID THIS ( XXXX MOBILE CELL PHONE OFF ) ; THAT " AFNI '' WOULD IN FACT TAKE ANY & ALL NEGATIVE REPORTS OFF OF SAID, ( XXXX XXXX 'S CREDIT REPORT )! Also, make sure ALL XXXXCREDIT AGENCIES take off ''AFNI COLLECTION AGENCY '' report of the FRAUD .... ( already filed a report or claim to your Agency : # XXXX ). I PAID this XXXX XXXX XXXX Mobile Cell Phone XXXX off, via my ''XXXX '', in XXXX 2015 ... .for : $ XXXX. Despite me paying this off, ( even thou I did ''NOT '' owe it ). After I discovered I DID NOT OWE THIS BILL, I ASK MY BANK TO REFUND MY MONEY OF $ XXXX ... which they are yet to do. I have filed a Dispute with ''XXXX '', for the above amount. Even thou I paid this FRAUD OFF ... .. '' AFNI COLLECTION AGENCY '' STILL IS REPORTING THIS ON XXXX '' & XXXX '', as still being on my Account, ( as PAID OR CLOSED ), BUT STILL LISTING THIS ''FRAUD '', on my XXXX Credit Agencies. I requested ' '' AFNI COLLECTON Agency '' to take this FRAUD OFF OF ALL XXXXCREDIT AGENCIES, & they ''AFNI COLLECTION AGENCY '', has ''NOT '' done this, despite THEM telling me that they would. So I would like to file a REPORT on ... .. '' AFNI COLLECTION AGENCY '' ... ... for ''NOT '' doing what they PROMISED me that they would do, ... ..*IF I PAID THIS FRAUD OFF*, THEY LIED TO ME!
01/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33407	Web
AFNI , INC . ACCOUNT NUMBERs : XXXX XXXX/XXXX/2016 XXXX, IL XXXX PHONE : XXXX FAX : Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AFNI, INC. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
11/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 980XX	Web
I called XXXX in early XX/XX/XXXX to setup internet access. The sales rep and I negotiated the service package and price I'd be paying and set up a date for their technician to come install my service ( XX/XX/XXXX ). Following that call, I then called XXXX and got a better service package for a lower rate than XXXX, which I decided to take. I then called XXXX back and asked them to cancel my previous order. I believed my order was indeed cancelled since the technician did not show up on the scheduled installment date of XX/XX/XXXX. But in XX/XX/XXXX, I received mail from XXXX saying I owed them {$40.00} for a month of internet service. I called XXXX again and explained to them the situation - that I received a bill for an amount I did not owe. I explained that I had cancelled my order before installment and they confirmed that my services were never installed and agreed to close my account and wipe out the debt. I then received another bill from XXXX in XX/XX/XXXX for {$72.00} which I ignored because I believe I had already settled the issue with them. In XX/XX/XXXX, I received mail from XXXX XXXX XXXX XXXX, a debt collection firm, saying that XXXX had sold them my debt in the amount of {$72.00}. I wrote them within 30 days disputing the debt and asking for proof that XXXX had sold them my debt. They responded in XX/XX/XXXX with copies of monthly bills from XXXX for my account. I replied to them again specifically asking for " all copies of documents between them and XXXX that incontrovertibly show that XXXX sold them a debt that they ( XXXX ) claimed belonged to me ''. XXXX XXXX XXXX never responded after that. In XX/XX/XXXX, I again received mail from another debt collector ( Afni, Inc ) regarding my {$72.00} XXXX debt. It would seem that not only did XXXX XXXX XXXX fail to invalidate my debt, but my debt had again been purchased by another collector.
11/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web	Servicemember
I received a letter dated XX/XX/XXXX, from a company named Afni, Inc. stating they represented another company by the name of XXXX. Afni, Inc is attempting to collect {$590.00} for XXXX. I wrote to this company Afni, Inc. in XXXX, XXXX on or about XX/XX/XXXX disputing this alleged account with XXXX of {$590.00}. In the original letter Afni , Inc. also states that the " original creditor '' is XXXX XXXX XXXX out of New Jersey. After checking my credit report Afni, Inc. has disregarded my dispute letter and reported this negative information to XXXX credit report. According to my credit report Afni, Inc. is not even listed as a third party collector nor is the " original creditor '' XXXX XXXX XXXX listed on my credit report. My credit report indicates that XXXX XXXX XXXX out of XXXX XXXX, California is the original creditor, not XXXX XXXX XXXX. I need answers from Afni, Inc. regarding whom they are representing and why this negative information is listed on my credit report because clearly, I notified Afni, Inc. in writing disputing in a timely manner. And Afni, Inc. needs to honor that they received this letter. The letter from Afni, Inc. is misleading. However, I never heard back from Afni regarding disputing or validating the alleged debt. I have never heard of or had any business dealings with XXXX XXXX XXXX & XXXX because I live in Texas. I have not lived at the address on the letter since XX/XX/XXXX but my mail was forwarded to me. Again, I am disputing this debt and requesting for Afni, Inc. to remove this negative information from my credit report immediately because Afni, Inc. clearly did not follow up with me and reported this negative information. In addition, I do not owe any alleged debt of {$590.00} referenced for collection. Also, as my right, I have no desire to work with any of the three collection agencies listed under any circumstances.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Problem with personal statement of dispute	NY 115XX	Web
I owned a XXXX in Florida and used it approximately 3 months a year. I used it as a snowbird. I signed up for a package deal with XXXX XXXX and XXXX for service. I advised that I was only going to use it when I was there. For the other months I would have to pay a fee to continue the service. I also told that I might sell the property. I was not there for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX because of Covid 19. I paid for when I was there and the partial fee for both companies. I was there for approximately 6 weeks in XXXXXXXX XXXX XXXX XXXX XXXX When I left I advised that I was going to sell the properety. I had no problem with XXXX XXXX. When I left, I returned XXXX equipment with me and returned the equipment thereby rendering the use of the service useless. XXXX CONTINUES TO BILL ME AND THE SERVICE WAS NOT WORKING SINCE i HAD RETURNED THE EQUIPMENT. I contacted them but could not resolve the problem since the wanted payment even thought the service was inoperable.. I was contacted by a credit agency and they advised me that I OWED THE MONEY AND DID NOT RETURN THE EQUIPMENT EVEN THOUGHI had a receipt indicating that I HAD RETURNED THE EQUIPMENT. i also learned that XXXX HAD INCREASE THE monthly fee to about {$90.00} PER MONTH WITHOUT TELLING ME. Then AFNI BECOMES NEW COLLECTION AGENT AND CALLS AND HARASSES ME AT LEAST TWICE A DAY. I requested a monthly bill from when the service started which I have not receivede The woman I SPOKE TO WAS DIFFICULT TO UNDERSTAND. i SOLD THE PROPERTY FROM NEW YORK BECAUSE i was diagnosed with XXXX i WAS NOT IN FLORIDA LAST IN XX/XX/XXXX. Once before I had a problem with XXXX when they billed me for a phone that I retuned for over 3 months. I hope that AFNI SUES ME XXXX SINCE THEY HAVE EFFECTED MY OVER XXXX CREDIT SCORE. I will be looking for compensatory damages and substantial punitive damages.
03/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 93455	Web	Servicemember
At the end of last year I discontinued my XXXX service after nearly 20 years. The customer service rep I spoke with indicated I would be billed for the partial month of service in the amount of approximately {$35.00}. During that conversation the customer service rep mentioned I was also liable for a two-year " contract '' that included a {$150.00} fee, and that my final bill was {$180.00}. I asked to see this " contract '' I had allegedly signed and was told the contract automatically kicked in when I upgraded my service package a year earlier. I spent nearly XXXX minutes on the phone ( much of it on hold ) while I objected to this early terminate fee. Eventually the customer service rep conceded I did not owe the fee, and that I would be receiving a final bill for the {$35.00}. However, when the bill arrived it included the {$150.00} early termination fee. I again called XXXX XXXX and this time the customer service rep was very short with me, and insisted the {$150.00} fee was valid. I explained that XXXX weeks earlier I was assured the fee would not be applied to my final bill. The rep refused to budge, and informed me that if I failed to pay the additional {$150.00} XXXX XXXX would submit to remaining fee to a bill collection agency. They told me not to bother sending a check for {$35.00} because it was insufficient to close my account. Two weeks ago a firm called XXXX started calling my home phone number XXXX-XXXX times per day, at all hours, leaving messages that the purpose of their call was an attempt to collect a debt and any information I provided would be used for that purpose. I have not answered any of these calls, and they have sent invoices in the amount of {$180.00} so I am assuming that this is related to XXXX as I do not have any other outstanding debts, and am concerned this will impact my otherwise unblemished credit rating.
06/08/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 302XX	Web
This letter is regarding account # XXXX , which you claim I owe {$280.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I h ave ( o r ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX , XXXX and XXXX ) from y our company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDC PA 807 [ 15 USC 1962e ] ; the refore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. XXXX XXXX
10/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91362	Web
Checking my Experian credit report last week, I noticed that there was " key derogatory '' on the report. A collection agency, AFNI , Inc, filed a key derogatory report stating that I have an outstanding balance of {$1800.00} for a debt owed to XXXX XXXX. However, I have never had any type of service or business relationship with Dish network. I have disputed the report with all XXXX credit reporting agencies. I also called AFNI to try to clear this issue up. After spending all weekend and today ( Monday XXXX/XXXX/2015 ) filling out online forms and waiting on hold to speak to a representative with the various credit reporting agencies I am still being told by AFNI that I have to call Dish Network to " PROVE '' that this is not my debt. AFNI gave me the address of the residence where the service was installed and the birth date of the person that ordered the service. The address that they gave me and the birth date were not mine. Both of these pieces of information are on my credit report. So, AFNI should have known from the start that this was not my debt. So my complaint is this:1. AFNI should have known that this was not my debt and so I believe that they fraudulently reported this debt as mine when as I say I have never had Dish Network service. 2. I should not have to file a dispute or contact XXXX XXXX because of obvious errors that AFNI made in reporting this debt as mine. 3. XXXX XXXX should not be allow to sell their bad debt to AFNI or any collection agency if they have not verified the identity of their customers to a much greater degree than have in my case. I believe that this is also fraud on XXXX XXXX part and grossly irresponsible. Why is it my responsibility to clean up their mess ... because they did not do a good job of verifying their customer. I would like to file a complaint against both XXXX XXXX and AFNI.
12/07/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 127XX	Web
On XX/XX/XXXX a letter was sent to my address along with a bill. On XX/XX/XXXX @ XXXX I faxed a validation letter to afni asking them to provide validation of said debt. I also included the XX/XX/XXXX letter and bill that the sent. I asked for validation. Then a few weeks later I received another letter, that they did not have enough information to verify ( which I asked for validation ) and they wanted me to provide my information to them. On XX/XX/XXXX I responded to that letter and told them it is not my job to validate, it was theirs since they were collecting debt. I told them if they could not validate said debt, cease communications with me about this said debt and remove from all remarks of this debt from all my credit reports. After doing some more research on this company I found out that they re age ( as per bill AFNI sent me was dated XX/XX/XXXX-XX/XX/XXXX ) the said debt. I also found out that as of XX/XX/XXXX in New York State there was a new law passed. Statue CLRP 202 if the company that your originally owe said debt to is not based out of New York the statue of limitations on collections will be based on the original creditor Home state. According to the bill that AFNI has sent me, XXXX XXXX XXXX the creditors head quarters is in Texas. Texas SOL is 4 years. 4 years is XX/XX/XXXX. Because the home state SOL is 4 years in Texas where the head quarters is, I would like AFNI to stop reporting to credit bureaus and remove all negative remarks and their account from all my credit reports. I have not heard back from AFNI regarding my second letter dated XX/XX/XXXX. Again I did ask if debt could not be validate by them, then to remove account from credit reports and cease and desist with attempts of collection of said that they can not validate. As of XX/XX/XXXX, their accounts and remarks are still on my credit reports.
06/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 760XX	Web
This debt is not mine and has previously been removed from my XXXX Credit report. This company " AFNI '' continues to keep putting this collection account on my credit reports even after the have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my XXXX credit report then they resubmitted it on my XXXX credit report. I disputed it on XXXX credit report # XXXX, but XXXX stated it was verified by AFNI to be mine, but XXXX companies have failed to show how it was verified and refuse to show proof this disputed account belongs to me after several attempts of requesting the information. These companies need to be held accountable for their false reporting of collection accounts. I am requesting AFNI provide proof this collection account is valid and belongs to me. I request they provide me with a document bearing my signature showing I am the responsible party for this debt. When they fail to provide such information I request this false collection account be IMMEDIATELY DELETED from my XXXX credit file until such document can be provided bearing my signature showing I am responsible for this debt. This companies continued actions has cause severe damage to my credit rating without providing me any document bearing my signature showing I have agreed to pay this debt or that this debt belongs to me. They have verified this account as my account with XXXX on XXXX XXXX, 2015 and failed to provide me proof how this collection account was verified to be mine. If AFNI denies this I can down load proof they are liars because my ( XXXX dispute confirmation number is # XXXX ) and AFNI needs to be held responsible for the damage they have caused to my credit rating. I am demanding this collection account be deleted from any and all XXXX of my credit files where it is listed XXXX.
12/06/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33173	Web
XXXX ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you XXXX. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXX. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX
11/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92240	Web
To Whom it May Concern : This is a complaint against XXXX and their debt collecting agency Afni. On XX/XX/XXXX my family switched from XXXX to XXXX by going to the XXXX store in XXXX XXXX, CA. I got a new phone from XXXX as well. My family stayed 2 days on XXXX and realizing that this company doesn't work for us, we switched back to XX/XX/XXXX. I returned the phone and canceled my service. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX informing me that Afni on behalf of XXXX is collecting " my debt '' ( {$510.00} ) for the phone that supposedly I never returned. The letter also stated that in case I don't dispute it in 30 days from the date of the notice, it will negatively impact my credit. I called Afni and was instructed to email them the proof that the phone was returned. The only proof I had was a statement from my bank which showed a refund for XXXX equipment on XX/XX/XXXX. I emailed this proof on XX/XX/XXXX. I received no reply. On XX/XX/XXXX I called Afni and the representative told me that my email was not received. We double checked to make sure the email address was correct and it was. I resent the email with the bank account proof on XX/XX/XXXX. Still no reply. Today is XX/XX/XXXX - in two days thirty days from the initial date of the notice will expire and Afni will contact credit agency to lower my credit. So here is the question : In your practice, how many times do emails get lost? And if they do, don't you receive a notification that the email was not delivered? Afni doesn't want to believe that I returned the phone, treating me as a thief from the start. At the same time, they can't find 3 of my emails with my bank account proof demonstrating that the phone was returned. If things so easily get lost in XX/XX/XXXX/Afni world, could the same thing happen to the phone that I returned?
12/14/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33176	Web
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX Re : Identity Theft and Unresolved Collection Account with XXXX Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of significant concern regarding my identity and credit profile. In XX/XX/2020, I fell victim to identity theft, and as a consequence, my personal information was compromised. Since then, I have been diligently working to rectify the aftermath of this incident. Among the various challenges I am facing, one specific issue pertains to an unresolved collection account with XXXX. Despite my efforts to dispute the validity of this account, the company has refused to delete it from my credit report. I have attached relevant documentation, including a copy of the police report filed in connection with the identity theft, to support my case. The incident of identity theft has had severe implications on my financial standing, and the inclusion of an unjustified collection account on my credit report only exacerbates the situation. I believe that the persistence of this entry is unwarranted, considering the circumstances surrounding the theft and the steps I have taken to rectify the matter. I kindly request the Consumer Financial Protection Bureau 's assistance in investigating this matter and facilitating the removal of the XXXX collection account from my credit report. I have made multiple attempts to resolve this issue directly with XXXX through the dispute process, but my efforts have been unsuccessful. I trust that your agency, with its commitment to consumer protection, can help bring resolution to this matter. I appreciate your prompt attention to this issue and look forward to a swift and favorable resolution. Thank you for your time and consideration. Sincerely, XXXX XXXX
12/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33435	Web
XXXX, XXXX XXXX ... XXXX of XXXX XXXX, XXXX XXXX. Telephone : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify AFNI, INC. XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AFNI, INC. XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX XXXX
08/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 92882	Web
On approximately XXXX XXXX, 2015 I mailed in a payment of {$120.00} to Afni Inc for collection account XXXX. In my envelope I included with my payment, a letter stating the following : '' Dear Afni : I 've included a payment of {$120.00} for the above mentioned account. By accepting and cashing said payment, you agree to delete your listing/tradeline regarding the above mentioned account from my credit report and you will notify the credit bureaus accordingly. If you do not agree to delete your listing/tradeline regarding the above mentioned account from my credit report, please send this check back to me at the address found above. Regards, XXXX XXXX '' In addition to the information above, I wrote on said check on the memo line : " By cashing this check you agree to the deletion of acct # XXXX " On XXXX XXXX, 2015, Afni Inc deposited my check into their bank account thereby agreeing to the terms of the letter as well as the terms written on the check submitted. On XXXX XXXX, 2015 I called into Afni after seeing in my bank account that my check had been cashed, to confirm deletion of the account on my credit reports. The customer service agent was not able to help me at the time and no supervisor was available to discuss the matter with me directly so, I left a VM for return call. I had received no call back so I called again on XXXX XXXX, 2015. Again the agent on the line could n't help me and no supervisor available to discuss so, I leave another VM for return call. On XXXX XXXX, 2015, I place another call into Afni Inc since no return call and I find that they have released a payment back to me and my account is now showing not paid. This is certainly not the case since I have a copy of my cashed check from my banking institution showing the withdraw of funds from my bank account from Afni Inc .
05/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	ID 83814	Web
On XX/XX/XXXX I was alerted by my XXXX credit app there was a collection placed on my credit from AFNI for XXXX XXXX XXXX XXXX for {$560.00}. I did NOT receive any call or correspondence to notify me. I called XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX spoke to Employee ID XXXX. I provided him the tracking numbers for the equipment returned on XX/XX/XXXX. He confirmed seeing the items received by XXXX XXXX XXXX on XX/XX/XXXX and indicated I should not have any charges and they would mark for review and call me in 24-48 hours. They never did. I called AFNI on XX/XX/XXXX at XXXX spoke to a woman who did not have a employee #. I explained to her what XXXX XXXX XXXX said. That this is inaccurate and I was not notified and wanted this resolved and removed from my credit. She said they would mark it " paid '' if I paid it that day. I continued to reiterate I was not legally notified and it was inaccurate. When I asked her what day they mailed me a notice she said " I see the letter was suppressed and it did not go out. I will request deletion from the credit bureaus '' I requested a letter in writing confirming that she said they would mail one. To date I have not received a deletion letter and it is still on my credit. On XX/XX/XXXX I received the first and only notice of collection. Still trying to collect the account regardless of my disputes and proof of tracking numbers. Neither party has done what they said and rectified this matter and my credit has not been corrected per the conversations. I have not had XXXX XXXX since XXXX and once I returned the equipment I was never notified of anything since. In accordance to federal Fair Credit Reporting Act 611 I am disputing the information and also reporting violation of the lack of notification prior to putting the erroneous account on my credit.
05/25/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 326XX	Web
I hit debris in my car on a n Interstate highw ay on XXXX XXXX , XXXX because another driver did not tie down materials on a trailer being towed behind a pickup truck, my understanding is 6 cars were disabled from the trailer debris. My insurer XXXX XXXX had me tow the car to a nearby repair shop and I had to make accommodations to stay overnight and proceed home in the morning, I was 2 h ours from my house after XXXX on XXXX XXXX , XXXX . I incurred expenses and when I contacted XXXX XXXX about expenses, they told me to pursue reimbursement from the insurance company of the driver of the truck and trailer who was responsible for the accident. XXXX was the insurance company of the driver responsible for the accident, XXXX stated they had XXXX claims from this accident and a limit on pay out so they would divide the payment to all claimants. XXXX mailed me a check for {$1600.00} on XXXX XXXX XXXX . I picked up my car from the repair sho p 2 ho urs from my house on XXXX / XXXX / XXXX after paying a {$500.00} deductible. XXXX XXXX billed me for cost of repairs of my car on XXXX / XXXX / XXXX , I sent XXXX XXXX a letter on XXXX XXXX , XXXX stating that XXXX sent to me a reimbursement check for expenses. XXXX XXXX never responded to my letter and turned it over to the AFNI Inc coll ection agency in XXXX of XXXX . The collection Agen cy ( AFNI Inc. ) s ent an invoice to me which I responded to with a letter on XXXX XXXX , XXXX stating that I dispute the validity of the debt and aske d AFNI Inc. not to contact me until they provide documentation that supports their belief that I owe this deb t. AFNI Inc has not responded to my letter and have been leaving messages on my phone and sending threatening letters affecting my credit rating.
02/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	TX 75088	Web
Prior to XX/XX/XXXX I was with XX/XX/XXXX for home dsl service. I moved in XXXX and left owing no bill. By the time I got settled, able to take off work, and instructions on where to send the equipment back to covid happened and I couldn't go to the post office to send them back. On XX/XX/XXXX I received a hit on my credit from XXXX XXXX. Then on XX/XX/XXXX I received ANOTHER hit on my credit from XXXX XXXX XXXX saying I owed XXXX for XXXX XXXX XXXX and they said it was equipment charges for failure to return. Both collection companies were claiming I owed for the same thing. I paid XXXX XXXX XXXX in full XXXX on XX/XX/XXXX. I have a letter from them confirming I paid in full. I forwarded that letter to XXXX XXXX a rep for XXXX XXXX on XX/XX/XXXX and she responded back saying she wasn't finding anything with the information. I then responded back with other identifiers and never heard another word until today XX/XX/XXXX when a company called AFNI reported the same XXXX that I was disputing with XXXX XXXX on my credit as a bad debt. When I called them they immediately opened a dispute and investigation. I then called XXXX XXXX back and spoke to a manager that said thatXX/XX/XXXX had closed the account with them as unpaid. They further told me that XXXX XXXX XXXX told them that I had two accounts that I owed for equipment which i only had one account.. Yet both AFNI and XXXX XXXX are reporting the same debt negative on me. I called XXXX XX/XX/XXXX today and they can't even find the information because they misspelled my name on my account, another issue I had with them correcting and I had service for a while. I have emails, letter copies, numbers and addresses for all of these companies involved. XX/XX/XXXX has correctly reported this as paid in full so they're not the issue.
10/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60153	Web
I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Afni, Inc violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8
03/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	DE 197XX	Web
XX/XX/2015, an item appeared on all three of my credit reports from AFNI , inc for an ATT debt. I contacted them by phone XX/XX/XXXX regarding the debt. During that discussion, I explained to them that this was an error and that I was disputing. About few weeks later, I received a letter in the mail from AFNI informing me that my dispute have been investigated and based on their investigation this account has been closed and Afni , Inc will take no further collection action and request the credit reporting agencies to remove. After receiving there letter, I monitored my credit report for four months waiting for AFNi to direct the credit agency to remove entry. In XXXX 2015, I sent a certified letter to AFNI requesting removal and validations in which they refuse to respond. So I sent a second letter in XXXX 2015 again requesting validation in which response was received. I also disputed this items with all XXXX credit reporting agencies twice between XXXX 2015 and XXXX 2015 and both times the disputes came back verified. With AFNI continuing to report this incorrect information on my credit reports, they have violated on numerous occasions the Fair Debt Collections Practices Act and my rights. They are purposely ignoring all my request for resolution and continue to report erroneous information which is a violation. I have reatined all my correspondence with AFNI 's, including copies of the XXXX certified letters I sent and a copy of the letter they sent me dated for XXXX XXXX. 2015 which indicated they will direct the credit reporting agencies to remove the incorrect account information from my credit files. This has not occurred. I 'm hoping the CFPB can assist me with resolving this matter before my next course of action of a lawsuit. Thanks XXXX XXXX
07/21/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70802	Web
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
08/06/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32256	Web
On XX/XX/XXXX, I switched my cell phone XXXX from XXXX XXXX to another provider. My decision to leave XXXX was influenced by encountering my fourth billing issue within a relatively short XXXX period. On XX/XX/XXXX, XXXX incorrectly billed me for XXXX lines despite XXXX of the devices not being delivered ( the XXXX could not find my condo unit, the line was not yet activated ). Upon contacting customer service, the representative not only pressured me to pay the erroneous charges but also mocked my name and insulted my social standing ( called me a lower class person ). Consequently, I filed a complaint against XXXX with the Federal Trade Commission. In XX/XX/XXXX, I eventually obtained the trade-in credit that was pending for XXXX months due to an oversight by XXXX. It necessitated a visit to your store to inquire about the traded-in phone that I had mailed Additionally, a 15 % corporate discount was promoted by XXXX in XXXX with my employer. However, after being transferred among numerous departments for several months, I was informed in XX/XX/XXXX that my plan would not be eligible for the discount. On XX/XX/XXXX, I received a bill inside a XXXX envelope from your office, indicating device payments of XX/XX/XXXX and XX/XX/XXXX. The second package showed payments of XX/XX/XXXX and XX/XX/XXXX. Regarding the devices, in XX/XX/XXXX, I had inquired about purchasing them outright as leasing proved more expensive over the XXXX period. However, the representative falsely informed me that this option was exclusive to lease agreements, not purchases. Consequently, I discovered the device prices significantly deviated from those presented in-store. XXXX also sold this account 's collections rights to XXXX XXXX and Afni Inc before the final bill 's issuance.
04/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL XXXXX	Web	Servicemember
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
05/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30013	Web
In XX/XX/2018, I retrieved a copy of my credit report and noticed that AFNI had placed an entry on my report and did not provide me a dunning letter nor any notice regarding an alleged debt. To that end, I sent AFNI a letter dated XXXX.XXXX.18 whereby I disputed the validity of the alleged debt that they had placed on my credit reports. To date, I have not received any communication from them. I have never did any business with this company, never heard of this company and as previously mentioned, never received any correspondence from them. Being that I never received a letter from this company to dispute the validity of these erroneous accounts, these entries must be deleted from my credit report. Per FDCPA, AFNI as required to notify me of this debt prior to inserting it on my credit report and then allowed me 30 days to dispute the validity of such allegation. As such, AFNI should have provided me with an agreement that stated their authority to collect on this alleged debt, an agreement with the signature of the alleged debtor wherin he/she agreed to pay creditor, alleged account number, date this alleged debt became payable, original delinquency date, verification that this debt was assigned or sold to collector, complete accounting of alleged debt and and name and address of the bonding agent for collection agency in case legal actions become necessary. All requested document must be submitted to me in order for me to determine that the debt is indeed due payable to them. Should AFNI not be able to provide ALL documents, they will need to delete this erroneous, unverifiable entry from my report and send a letter communicating such. For AFNI to blatantly violate my consumer rights by placing this entry on my report directly violates FDCPA.
05/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MN 55404	Web
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand that the following accounts be verified or removed immediately : Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office.
03/18/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30331	Web
I started service with XXXX in XXXX of XXXX and by XXXX they were already overcharging and services were not working so I canceled the internet and resumed service with the home security. They continued to overcharge and services were still not working properly so I told them if they did not correct the bill and fix the service issues I would not be moving forward. They did not do either so I requested the services to be disconnected. They instead disconnected for non-payment and then billed me for equipment charges and service charges ( although the services were not working and there are daily chat transcripts showing this ). I noticed today that there was a collection account on my credit report asking for the service charges and for equipment charges and the company has had the equipment in their possession. I was told by a customer service representative that the {$500.00} in installation charges for the security equipment are considered early termination fees and that I still have to pay for the equipment although the equipment has been returned to them. He also stated I signed this in the contract when service was started on XX/XX/XXXX and when the service was changed on XX/XX/XXXX. I read the agreement and nothing in there states that I have an ETF of any sort if the service is disconnected nor does it state that I am liable for continued equipment charges. I asked to speak with a manager or their legal team to discuss the contract that I signed and I was placed on hold for over 30 mins and no one has yet to come back to the line. I am actually typing this complaint as I sit on hold for the representative. They have now disconnected the line. I dialed in at XXXX XXXX eastern today XX/XX/XXXX, and the total call was for 41 mins.
05/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80130	Web
I subscribed to XXXX through a XXXX offer. I never had any direct dealings with XXXX. I paid for XXXX on my XXXX bill. When I moved, I returned all equipment per their instructions. XXXX first began to harass and bill me for the equipment. I supplied the XXXX tracking numbers which showed that the equipment had been returned and they stopped trying to bill for that. The final amount due to XXXX on the XXXX bill was {$120.00}. I paid that bill in full. In fact, I overpaid and was refunded {$42.00}. XXXX began to harass me for the {$120.00}. I have checked with XXXX numerous times and was informed that XXXX had been paid, that I correctly paid the final bill, and that I didn't owe anything to XXXX nor should I pay them directly. I also spoke with XXXX and thought it was finally resolved. Then I started receiving collection notices which I initially responded to but they just argued that I was supposed to pay XXXX not XXXX. I had never done that. They filed a collection notice and that impacted my excellent credit report rating. I disputed that claim. It was resolved and removed. Not too long ago, out of the blue, I received a collection notice once again offerring to reduce the {$120.00} to about {$76.00} - I don't remember the exact amount as I threw it away. Today, I received a notice of a collection notice filed on my credit report. It's from AFNI, Inc for the same {$120.00} bill that I have previously been harassed on and that I cleared from my report once already. The last payment in full to XXXX was made on XX/XX/19 which included the {$120.00} for XXXX. This new report has dropped my credit score by 63 points ( and my score was " very good '' with only a few points to go to hit " excellent '' in the 780 's. This has to stop.
11/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10011	Web
Afni is a collection agency sent to persecute me for a debt I do not owe to XXXX. XXXX is charging me for a phone that I returned within one week of obtaining it through their authorized dealer, XXXX XXXX. On the XXXX of XXXX I mistook an " authorized dealer '' for an authentic XXXX store. The shop has a XXXX sign displayed with no disclaimer that it is an independent shop. The manager sold me a plan that included an XXXX XXXX that he said I would only have to pay the taxes on. The amount he charged me for tax on the XXXX XXXX was {$170.00}. Tax in XXXX is XXXX and the XXXX XXXX cost {$590.00} at the XXXX store that day. ( https : XXXX ). I took the phone to a proper XXXX store and the staff said they found the receipt bizarre ; and advised me to return the phone and cancel the contract as XXXX XXXX was not a XXXX XXXX, but merely an authorized dealer. I also discovered that the XXXX monthly charges were nearly double the monthly fees XXXX outlined. I immediately cancelled an appointment for XXXX to install XXXX, and transferred my phone service to another carrier. On the XXXX of XXXX, I returned the XXXX to XXXX XXXX at XXXX XXXX, but he never returned the XXXX XXXX to XXXX, so they continue to pursue me for charges of {$760.00} for the phone and service that I never used. I sent XXXX copies of the receipts -- the original and for the refund for RETURN OF THE XXXX XXXX -- plus notes from my meeting with XXXX, and a description of my history of encounters in attempting to resolve this fraud. Despite all of my efforts, XXXX has unleashed the collection agency Afni to further plague me with demands for funds I do not owe. I sent Afni all of the same documentation proving that the phone was returned and XXXX notified.
04/01/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	WA 98445	Web
I received a notice that I owed over {$43000.00} for a vehicle accident I was involved in, but I was not the at-fault party in the incident. Out of the blue, over a year after the incident I get contacted by a collection agency asking for the money. I spoke to my family 's lawyer and he helped me draft a cease and desist letter via Certified Mail asking that they not contact me regarding this matter. This was on XX/XX/XXXX. On XX/XX/XXXX a new company sent me a letter regarding the same debt. Again, I sent a cease and desist letter which was received by the company on XX/XX/XXXX. On XX/XX/XXXX, I received another letter from the XXXX comapny - AFNI - which was dated XX/XX/XXXX. 6 days after they received my cease and desist letter. I want them to stop contacting me. The debt is not mine and how they decided to assign it to me months or years after I thought this was resolved is not something I can figure out. I am concerned becuase I purchased my first home in XX/XX/XXXX and now have something to lose shoudl someone try to come after me, even if they debt is not actualyl mine to pay. I don't know if the purchase of my home is public record and possibly these creditors or Insurance companies saw that I now had assets that they could go after - but the timing does make me suspicious. I don't know what to do. I am not overly concerned as I know the accident was not my fault and that if this ended up in court I would be fine based on the facts - but I also know that Insurance Companies, Lawyers and Collection Agency can be predatory and often have no regard for the truth. I researched my options and filing a complaint seemed like the logical next step in protecting myself and my family from this harrasment. Thank you
12/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90025	Web
On XXXX XXXX, 2015 I sent a formal letter via Certified Mail with Return Receipt requested by USPS to this company disputing and requesting validation for a debt they have listed on my credits reports. This account was posted to my credit reports without my having ever received an initial notice from the company that the debt existed or informing me of my right to dispute it. I have received proof from USPS that my letter was accurately delivered, and according to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, the business legally has 30 days to respond to this validation request, otherwise it is illegal to continue collection efforts, including reporting this alleged debt to the credit bureaus ( which constitutes fraud ). It has been over the 30 days allowed by law and they have failed to respond with appropriate validation All I have received from them are a few pages with arbitrary numbers and my name attached to them, with no indication of how these amounts were calculated or that I ever agreed to pay these amounts. They have failed to verify that this debt is valid, that I have any obligation to them for the amount they are claiming against me, or that this debt is legally associated with me in any way. Furthermore, they have reported this debt as " Verified '' when I filed a dispute action against it with the credit bureaus, even though there is no provided proof that it is, in fact, valid. This action constitutes fraud and defamation of character, in addition to violating the previously mentioned debt and credit Acts. For these reasons, I sent a final deletion request to the company on XXXX XXXX, 2015, and gave them 10 days to respond before I file legal proceedings against them.
10/05/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77025	Web
Upon pulling my yearly free credit report, I became aware of a collections account from AFNI, Inc on behalf of XXXX XXXX XXXX XXXX XXXX ( XXXX ) in the amount of {$320.00}. I never received notification regarding the collection of this debt ( despite federal law requiring notification within 5 business days ), I never received any communication from this debt collector at all and they've supposedly had this debt since XX/XX/XXXX. This account with the original creditor was closed in XX/XX/XXXX and I reached out to XXXX in XX/XX/XXXX ( before finding out that I was in collections ) to make arrangements to return their equipment as they never at any time sent me instructions to return it and no XXXX XXXX would accept it. XXXX XXXX ( XXXX ) never provided a final bill despite the company having my new address despite the fact that they themselves closed the account due to my new place of residence not allowing a transfer install. I attempted to get information XXXX to get information about any possible outstanding balances at the time I made arrangements to return the equipment, and was told that they could not provide 100 % accurate information due to it being a closed account but they guessed it would be around {$80.00} and would send me an invoice - that was not done. So, either XXXX held onto the debt and not notify me of any outstanding balance so it could be sent to collections or ANFI, Inc held on to the debt for nearly a year and half so they could reage it whenever. I have made multiple attempts to dispute the debt through CRA and ANFI claims that it fits the rules of the FDCPA - which does not. Either way, I was never notified by XXXX or ANFI that I owed any money and the exact amount I owed.
09/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WA 986XX	Web
Alleged original creditor sent an account to primary collection agency that failed to validate the debt, because they ca n't. It is n't mine. Original creditor sent it to this company ( Afni , Inc ) who failed to validate the debt as well. They sent me a copy of a phone bill in my name with a phone number I have never had. This is the second letter I sent them : This letter is to inform your company that you have not sufficiently validate this debt as requested. Previous attempts to collect this alleged account have resulted in XXXX ( the original creditor ) failing to provide proof as is required by the FCRA and FDCPA. The previous collection agency, failed to provide the following proof : The amount of the debt ; The name of the creditor to whom the debt is owed ; An explanation of how the alleged charges came to be in a way that a layperson can understand ; Proof that you are licensed to collect debts in Washington State ; Proof of the last payment made on the account A signed contract with the original creditor Afni, has failed to provide the following proof : An explanation of how the alleged charges came to be in a way that a layperson can understand ; Proof that you are licensed to collect debts in Washington State ; Proof of the last payment made on the account A signed contract with the original creditor Furthermore, the documents that were sent ( postmark XXXX/XXXX/2016 ) are a printout of a bill for an account that has NEVER belonged to me ( see document page XXXX of XXXX that you sent ). The phone number XXXX has NEVER belonged to me. Therefore, the information you have provided is not only insufficient, but inaccurate. For the reasons previously stated, this debt is not valid.
07/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75070	Web
I recent filed a complaint against XXXX XXXX XXXX and several other companies that has been harassing me. XXXX XXXX XXXX has been selling my information to different companies for different amounts of owed debt. I am not liable for the debt owed as explained and solved in my previous disputes. XXXX XXXX XXXX have tried to collect debt from me through 3 different companies and has been unsuccessful due to recent investigations. I disputed Sequium XXXX solution a company that was reporting for XXXX XXXX XXXX and trying to collect a debt in the amount of XXXX After a thorough investigation The account was deleted. There was also a company XXXX XXXX XXXX, inc contacting me about the same debt with a different amount for XXXX, threatening to attach an inaccurate account to my credit report. In the recent complaint I ask them to do not contact me, since then I have been harassed with letters. I received a copy of a bill which violates section XXXX. I canceled my account with XXXX XXXX XXXX XX/XX/2019 and returned the equipment due to the service not working properly in my area. XXXX XXXX XXXX attempted to go into my checking account in XX/XX/2019 and take an unauthorized payment after my service was canceled. I am not liable for the debt owed to XXXX XXXX XXXX. I was also told by a represented at XXXX XXXX XXXX that I would not be charge due to a technician having to come out twice in same month. After canceling my service I received a bill. Im now facing harassment for a new company XXXX for the same account but a different amount owed. I would like this company to stop harassing me about charges I do not owe and delete this inaccurate and negative account from my credit profile.
12/16/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30214	Web
afni collections XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX,XX/XX/XXXXXXXX Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX and its agent ( afni collections ) states I owe a balance of {$120.00}. I have also recently found out that a settlement was offered for {$64.00}, " I do not owe any money to XXXX XXXX XXXX XXXX. '' In fact have contacted them on a number of occasions to get a copy of itemized bills for the claimed amount. Here is a list of recently documented contacts : - On XX/XX/2020 I talked to XXXX XXXX XXXX rep XXXX who stated they would send copies of bills, thereafter I was transferred to Collections Rep. Ms. XXXX, this Rep. reviewed the account and stated charged had something to do with equipment charges. I stated that impossible because I was advised there was no need to return the XXXX XXXX XXXX modem, if fact it still sits in my storage room! She opened a request and gave me reference # XXXX, and state the XXXX Back Office Team ) would contact me. I have not received any contact. - On XX/XX/2020 @ approximately XXXX talked to Rep. Ms. XXXX regarding issue she opened up a request and provided reference # XXXX. I have not received any information. -Recently on XX/XX/2020 I called and was transferred to Rep MsXXXX XXXX ID # XXXX who advised me she could not access the account due to some system issues and stated I would need to call back. I advised the Rep I would not be calling XXXX XXXX XXXX back and would pursue other legal remedies. I can not believe I am going through all of this for {$120.00}, this is erroneously affecting my credit at this point and I am seeking all avenues of relief.
06/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 85008	Web
XX/XX/XXXX :. I sent a check to Afni for XXXX for an account that was sent to collections by XXXX/XXXX. I got another letter for a bill for {$59.00}. I sent a check. Both checks cleared in XX/XX/XXXX. XX/XX/XXXX : I was trying to get service with XXXX. I was told that I had a past due balance of {$59.00} from XXXX. I sent cancelled checks from my bank showing proof that this account was paid in XX/XX/XXXX. I thought the issue was resolved because XXXX at XXXX investigated my account and informed me the payment was applied to another account. XX/XX/XXXX : I got a copy of my credit reports and there is a collection on my account from AFNI for {$59.00} from XX/XX/XXXX for a debt in XX/XX/XXXX. No one called me from this company or sent me a letter to let me know this account was in collections. I called spoke with XXXX and he attempted to mislead me saying the " check had bounced and that they had called me ''. Then he completely disregard my explanation and starting say " this is an attempt to collect a debt and ask me if I wanted to pay by check or credit card ''. I informed him that I will dispute this situation with the credit bureaus and I have. I also sent a copy of the cancelled check to AFNI at support recovery along with a copy of the my account to show that the checks cleared and I did n't have any NSF 's. This is an ongoing issue that is impacting my credit. I am upset with XXXX XXXX for not resolving the issue and AFNI for not giving me the chance to show proof of payment prior to putting this information on my credit report. Please help. BTW, my address has not changes in 5 years or my phone number and no one attempted to call me.
06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29605	Web	Servicemember
I previously reported identity theft resulting in fraud on XX/XX/XXXX. See Complaint # XXXX XXXX, XXXX, XXXX. One of the fraudulent accounts that had been opened in my name was with XXXX & XXXX for an address in XXXX. All of those accounts were removed from my credit reports. Thereafter, I placed a credit alert with all three major credit reporting agencies. I was supposed to be called should anyone attempt to open any type of credit account in my name. That did not occur. Instead, XXXX XXXX XXXX apparently opened another account with a fraudster in XXXX of XXXX. I learned of this fraudulent account when I received a notice from my credit card provider that my credit score went down due to a collection account being placed on it. I checked my credit report and found XXXX XXXX XXXX had turned over the new fraudulent account to AFNI Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. I filed a dispute of this account with all 3 credit reporting agencies. I contacted AFNI and was told by their representative that the XXXX XXXX XXXX account was associated with an address in XXXX. Neither I, nor any of my family has ever lived in XXXX, nor have we ever been XXXX customers. I informed AFNI 's representative and was told the account was under investigation. AFNI has now sent me a letter requesting I complete a detailed form, and provide them with a copy of my state issued ID, and police report. I have now placed a Credit Freeze with all three credit reporting agencies in hopes this will not occur again. XXXX XXXX XXXX needs to train its employees on how to check with credit reporting agencies before opening new accounts.
09/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NV 89130	Web
I had an outstanding bill from XXXX XXXX XXXX. The reason I had not paid the bill is because they added unauthorized charges to my account. I had a conversation and agreed to additional services, which I was told would reduce my monthly bill. That was incorrect and they demanded I pay XXXX XXXX dollars for the changes. I asked them to review the telephone conversation I had with one of their agents as it was recorded, to which they declined. I informed them I had no intent to pay the fees they charged me without my consent. They turned me into a debt collector, to which I told them about this issue numerous times. I specifically told them the debt amount was incorrect, to which they told me that was not their problem. After trying to argue this through numerous phone calls with the collection agent, I eventually agreed to a settlement to get this off of my credit. This was done through XXXX on XX/XX/2021, reference number XXXX. The settlement was a reduction of approximately {$300.00} from the original bill amount of approximately {$900.00}. Now I have just received another call from a new collection agency, AFMI Collections, phone number XXXX. Apparently I have been turned in again to collections for the amount that the previous collection agent agreed to reduce my overall bill by. I am trying to clean up my credit so I can buy a home, and these people are nothing but bullies. How is it that the first company could continue to collect on a debt after I have informed them numerous times that it was not accurate? And then how can XXXX XXXX XXXX turn me in to collections AGAIN for an amount that was supposed to be waived. I need help please!
03/11/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CA 92307	Web
Last year on XXXX XXXX, 2023 I believe that's the excact date. I personally let my boyfriend borrow my car beacuse his car was at the shop. Unfotunatly a car hit my boyfriend. My boyfriend was confuse beacuse he never hit the car and didnt knew about it until the guy started yelling that he hit him. So my boyfriend told him no i didn't he isnisted yes you did. So my boyfrien pulled over and waited for tge police officers. To arrive. Me without knowing about insurance my boyfriend wasn't able to drive it if he wasn't under my insurance. Well for my luck that month i paid a part of my insurance and gave the other part late. 2 days well they took it as i didn't had insurance. They took it as i was with no insurance i still had full coverage 3 month after the incident until they kicked me off my insurance beacuse my boyfriend was driving it. My boyfriend gave all his information with the police officer. And gave his insurance to him and everything. But AFNI is on behalf of XXXX XXXX XXXX. Has been coming at me since the car is in my name and under me. They want XXXX out of me, since then they been harrasing me, and threating me if i don't pay they will cancel my insurance and report me with the dmv to revoke my D.L. their was no total lost on the on my nor the guys their was no medical emergancy Nor nothing. only a bit of paint scruff that got on my car their is no dents neither. I have already took the guy to court now just waiting to get him served.I just don't want my D.L canceled or my insurance i commute on highways everyday to get to work. And afni acussing me without knowing who was at fault And sending me to collecting for it.
06/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 982XX	Web
I have had a bill for XXXX $ in collection as a result of a phone plan I had gotten with XXXX. After approximately 2 months of service, I recieved my first bill and the amount that was owed was not in the amount the sales person quoted me on. I disputed the amount with the store at I got the quote and they assured me that they had said the right amount. I showed them the writing that had the specific amount my bill was said to be by the sales agent which was different by 40 or 50 dollars. After showing XXXX that and them not wanting fullfill their end of the deal I chose to terminate my service before the 3 months was up that I was told to be allowed to cancel my contract. Which is what I did. Then I took my business to XXXX whom at the time had a deal to pay off any early termination fees with the current cell plan to switch over to XXXX. I chose to do that, and XXXX was to mail me a card to pay off my XXXX bill. Now that I have spent 1 yr trying to get XXXX to send me the prepaid card to do that, I have yet to have XXXX mail the card to me because of the final bill from XXXX not having enough information for XXXX, as well as the picture I was supposed to take of the XXXX bill being the right file type for the pictures to be submitted online as I was told to do by XXXX ( not to mention the 2 or 3 times going into XXXX with the bill itself only to be told they could do nothing except what I have done from home ). Now I have been stuck with a XXXX $ collection bill as I stated from XXXX, that XXXX is actually liable to pay. My credit now being hurt and my time wasted as well as 2 phones I owned having to be given to each company.
04/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 43110	Web
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 AFNI ( XXXX ) Account # XXXX ( XXXX XXXX ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1692 Section 805 A. States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the Consumer. 15 U.S.C 1693 2 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse or harass at the called number. 15 U.S.C 1692 b ( 2 ) not state that such consumer owes any debt. -any state territory possession of the United States , the district of Columbia XXXX the XXXX of XXXX XXXX or any political subdivision of any of the foregoing. 15 U.S.C 1692 b ( 5 ) not use any language or symbol on the envelope or in the contents of any communication affected by the mail or telegram that indicates that the debt collector is in a debt collection business or the communication relates to the collection of a debt. 15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt. 15 U.S.C 1692 d ( 2 ) the use of obscene or profane language or language the natural consequences of which is to abuse the hearer or reader.
01/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
I have tried multiple times to communicate via phone and in writing with this company. I have shown proof that I do not have a file in their office. I have never HAD AN ACCOUNT, ATTEMPTED TO OPEN AN ACCOUNT, DID BUSINESS WITH, OR TOOK OUTN A LOAN with this company. Upon calling their office and providing my full name, dob, and social security number the representative was not able to find a file with my name. I spoke with multiple representatives including a manager. No one was able to find my account. I attempted to explain it is on my XXXX. The manager asked me to dispute the account through the collection agency. I tried and they stated it was the original creditor that had to receive the dispute. I have tried multiple times to dispute. I have requested on two separate occasions via the USPS validation of this debt. I included a copy of my US Social Security card showing my full name and social security number. I requested VOD on XX/XX/XXXX, and XX/XX/XXXX. I provided my full name and mailing address. I have not received VOD. I suspect they are unable to verify a debt that does n't exist in my name. I am respectfully demanding what the law states. They have no provided VOD within 30 days. They do not have evidence of an account in my name. There are no records in my name housed by their company, previous company, or collection agency. I am demanding full credit bureau deletion immediately. I would like the account closed or in the least removal of my social security # and/or name from the file. Additionally, removing my mailing address and phone number from the file if it has been added DUE to MY written correspondence.
10/03/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85249	Web
In the summer of XXXX, my wife and I received a collection notice from a company calling themselves AFNI attempting to collect a {$3800.00} debt that they claim was incurred with XXXX. The notice contained a demand letter, a return envelope and was written on official looking letterhead, giving an address of XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The notice contained an offer to immediately eliminate the debt if we paid {$1900.00} ( half ) the amount due. Additionally and around the time we received the letter, we began receiving collection phone calls to a number we use for messaging. These calls were received 24 hours a day and often times occurred more than a dozen times in a 24 hour period. Neither of us has ever had an account with XXXX, although one of us was the victim of identity theft in XXXX of XXXX. We immediately pulled our credit reports and there was no appearance of a bad or delinquent debt owed to anybody. In fact, our credit scores were remarkably good. Of note, however, was an enquiry made by XXXX during the period of theft, however no other mention of this phone carriers is or has been made since. We contacted XXXX directly and verified that neither of us had ever held an account with that carrier and that none was currently in existence. We further contacted, in succession and over a couple of months time, the local police agency, the attorney general 's office in our state and the FTC, who directed us here. Reviews on the internet suggest that this is a predatory company attempting to defraud people into paying them quick cash, as indicated by the inclusion of credit card logos and forms.
06/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 92251	Web
Hello, i have XXXX collection agencies that are currently attempting to collect a delinquent debt amount which i do not agree with, furthermore these collection agencies have yet to disclose information that I requested such as proof of being a collection agency that can operate in California and proof of the contract of the actual debt, accounts recievable that shows the actual amount of debt to be collected and what attributes to these amounts. I do not agree with the amounts, for I think they are innacurrate and these collection agencies have yet to provide proof. XXXX Collection agency name : AFNI. Collecting {$160.00} on behalf of XXXX for a service or product I never recieved. I do not live at that location, address and do not recall ordering that service or recieving that service. For this reason I want proof, document stating where the debt originates from, the actual line items on a bill, etc. XXXX COLLECTION AGENCY NAME.XXXX FL \| XXXX XXXX Claiming that I owe {$400.00} for a early termination with XXXX, yet WHEN i called they can only see that {$200.00} was the fee applied for early termination, and they are not certain of where the other {$200.00} in debt came from. This is wrong, and I need once again proof that this debt is accurate by reviewing a document that they recieved from XXXX stating that my delinquent amount will be now collected by XXXX. Please do investigate these XXXX companies to see if they have the license to operate as a collection agency in california, and to make them provide proof of my debts and what attributes to the overall debt needing to be paid off. Thanks, XXXX
08/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CO 80010	Web
This COMPLAINT is being sent to you in regards to the above reference account that AFNI INC has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported Invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against AFNI INC for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
07/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CO XXXXX	Web
This letter is being sent to you in regards to the above reference account that AFNI INC has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported Invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under XXXX federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against AFNI INC for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
01/31/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75160	Web	Servicemember
This debt keeps appearing on my report after numerous attempts for proof of account, balance. I received a letter back in XXXX 2016 that it would be removed from my account and it was for few weeks then I assume bought from another debt buyer and its back on my account with another debt company. I do not have any idea of a debt owed to XXXX XXXX nor have a received a detailed bill of this debt and what the charges are for as I am required this information by law. I have sent multiple requests for months now for removal of this account with all XXXX credit bureaus and still no response from new debt collector. The first collector was XXXX XXXX and now the second collector is AFNI and I want this removed from my account due to over 30 days requested information never received, sent certified numerous times and no detailed bill received. Please help me in this situation and I am forwarding information I have pertaining to this ongoing battle with a debt I know nothing about nor have I been sent information, 30 day request for detailed information per law passed. This is unlaw practices of the fair credit law under consumer law. These debt collectors keep buying and selling this account with no required information of detailed bill as requested on numerous times, well past 30 days required by law and the credit bureau continues to allow this to happen as I have sent all XXXX of them I want documentation of this debt and 30 day period and all they send back is " it remains '', no investigation, no contacts, nothing and certainly not following consumer credit laws. Please see attached information. Thank you.
09/23/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 43213	Web
Today, XX/XX/XXXX, I was notified by my credit monitoring company that I had a new negative account on my credit report. The information listed Afni, Inc. and shows a balance of {$1200.00}. I contacted Afni. First, I spoke with XXXX who proceeded to tell me that I had several unpaid XXXX XXXX XXXX mobile and internet accounts and provided me with the amounts. I informed her that I had never had XXXX XXXX XXXX services so there must be a mistake. It was not until AFTER disclosing information did she confirm my identity and that I was in fact not the owner of those accounts. She then transferred me. I was then transferred to XXXX who told me that I have a XXXX mobile account for purchased equipment and leased equipment. She then asked if I would like to settle the account. When I told her no, I felt as though she became rude. I was not provided with an account number or any information other than it was from XX/XX/2018. I have had XXXX for years. So she explained I would need to complete a fraud packet. She also told me that her company had just received the account on XX/XX/XXXX. Outside of the HORRIBLE customer service and lack of information this company provides, I should have been notified about this so called debt. Afni received the account on XX/XX/XXXX yet made NO attempts to contact me regarding this account prior to placing it on my credit report. It is standard practice to contact the debtor and provide them with 30 days to respond or dispute the debt. Afni did NOT. They clearly received the account, held it for 30 days with NO communication at all then placed it on my report.
02/09/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NV 89134	Web
Afni collection agency is trying to collect the amount of {$440.00} from XXXX XXXX XXXX. XXXX failed to activate service and account was closed within 24 hours, failed to provide detailed for the bill and resolve the issue. XXXX supervisor of offshore billing office stated that " there nothing we could do as the bill sent to the collection agency, you have to contact them. '' Collection agency contacted issue was not resolved. I went to XXXX XXXX XXXX store back in XX/XX/XXXX to change my provider. I opened the account and left the store, when I got home I had no service, their representative did something wrong and failed to activate the service. Next day I went to the same store to close my account, XXXX XXXX XXXX representative confirmed that account is closed and I don't own anything. I wasn't getting any bills from XXXX. XX/XX/XXXX I received the letter from the collection agency Anfi that attached above. I went to the XXXX store in person, their representative failed to provide details for the bill, I still don't know what I was charge for if there was no service provided as activation failed, they could not even charge me for activation. XXXX representative was willing to help, he dialed billing department we explained the situation to supervisor of XXXX office XXXX, she stated that " there nothing I can do, as bill sent to the collection agency, you have to contact them. '' I contacted Afni collection agency, issue is not resolved as of today. XXXX sent " blank '' bill to the collection agency, as service never was provided, they failed activation, account was closed within 24 hr.
10/30/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75126	Web
This complaint is regarding AFNI , Inc. claims I have a charged off, closed account in the amount of {$2300.00} that was apparently opened XX/XX/2018. I am writing to advise you that AFNI, Inc. is in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. which prohibits a debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. After researching AFNI, Inc. on the Texas Secretary of State debt collector website I have found that XXXX XXXX XXXX is not bonded in the state of Texas. I am requesting AFNI, Inc. immediately delete this entry with all credit reporting agencies they are reporting this entry to due to being in violation of TEXAS DEBT COLLECTION ACT, TEX. FIN. CODE 392.001 et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. The TEXAS DEBT COLLECTION ACT ( TDCA ) defines a debt collector as any person who directly or indirectly engages in debt collection and further applies to creditors attempting to collect their own debts. TEX. FIN. CODE 392.001 ( 3 ). Furthermore, Sec. 392.301 ( a ) ( 4 ) of the TEX. FIN. CODE prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the consumer debt or would be subject to illegal collection attempts.
06/13/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60302	Web
To whom it may concern, I had a cable service with XXXX XXXX and due to my company merger, I had a loss of hours and income and could not continue to pay my XXXX XXXX bill. I called XXXX XXXX to inform them of this and to let them know that I would be needing to cancel my service but would try to make small payments on my balance. XXXX sent a team member out to collect their equipment that was included with the service. Literally the day after my equipment was picked up, XXXX began to call me everyday on the hour despite our previous conversation. XXXX then referred my account to a collection company called Afni Inc PXXXX. XXXX XXXX XXXX, IL XXXX XXXX I was unknowing of this until XX/XX/XXXX when I ordered my annual credit report and saw that Afni placed the XXXX cable bill on my credit profile. I have never received a call from Afni. I have never spoken with anyone from Afni but yet they took it upon themselves to place an item on my credit file from XXXX ... an entire 3 years later. Even up until recently, Afni continues to take it upon themselves to negatively report to my credit file as of XXXX and XX/XX/XXXX. Their unscrupulous reporting has eroded and damaged my credit by 70 points. In the midst of a global pandemic where my credit file may need to be referenced ... Afnis unjust business practices has cost me both economic opportunities and dwindled my credit score. They know that most people take their credit scores very seriously so they use these shadowy tactics in an effort to collect debts. Thank you for your time and attention to this matter.
01/15/2020	Yes	Vehicle loan or lease Lease	Getting a loan or lease Fraudulent loan	DC 200XX	Web
AFNI, XXXX credit provided a leased vehicle in XXXX with monthly payments. After 6 months of payments, the car which was on my private property was suddenly taken without any notice. Upon calling XXXX, I was informed that they did not have the loan number. Upon calling XXXX XXXX XXXX, I was informed that the Bank has not bough the loan from AFNI. Further, XXXX did not provide any copies of the documents after there was a robbery on the premises where all the documents were taken. Having opened suit in DC Superior Court for trespass and breach of peace which is based on the supposed default of the loan. If I did default, there has to be notice provided by the creditor on the terms and possible repossession of the vehicle. The calls as provided by the credit company do not indicate why there was no evidence of the default. After 5 months, the car is taken from the driveway without informing the leasor prior to being in Court for an important hearing which she is plaintiff. Ad the credit company contends that the loans were agreed upon by the parties and there has been no bank involvement, the vehicle has been taken by breach of peace and XXXX has committed trespass. These facts have been provided at mediation and AFNI says it has documents which prove that there is a deficiency that has to be fulfilled. Under DC consumer laws, Im requesting that my rights to be provided notice on a loan within 30 days of any possible default is protected. I also have not been provided any notice of the car being repossessed, auctioned or any activities by XXXX from XX/XX/XXXX - XX/XX/XXXX.
03/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NM 874XX	Web
XX/XX/XXXX I closed my account with XXXX XXXX. I received a final bill of {$33.00} which my wife paid. The bill was paid on XXXX/XXXX/XXXX, and I have a bank statement showing that. The following month XXXX XXXX sent a refund check for the amount of {$33.00}. I assumed they overbilled me and made things right by sending the check, and never thought another thing about it. XX/XX/XXXX, I received a collection notice from AFNI for the balance of {$33.00}. AFNI was called and a dispute was opened. My wife sent them proof of payment. On XXXX/XXXX/XXXX my wife called AFNI, and they stated they had received the documentation and had sent it to XXXX XXXX. On XXXX/XXXX/XXXX I received a letter from AFNI, saying they were resuming collection activities. We have made numerous follow up calls to both XXXX XXXX and AFNI in an effort to get this resolved. Today ( XXXX/XXXX/XXXX ) my wife and I spoke with a representative from AFNI who informed me that my credit had already been damaged as a result of this. I had a local Credit Bureau run my credit and learned that I had indeed suffered a negative mark on my credit showing that I was in collections for {$33.00}. I can not get anywhere trying to talk to either XXXX XXXX or AFNI, and continually get the run around. I would happily pay the {$33.00} if I can get assurance that my credit will be restored. I am very upset that my credit has been compromised over a mistake made by XXXX XXXX, which they refuse to admit too, but the documentation shows otherwise. I do not have a way to upload documentation, but can send it via mail if needed.
06/12/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 20772	Web
I was initially notified of AFNI, Inc., had placed collections on my credit report via credit monitoring. On XX/XX/XXXX, I contacted AFNI, Inc., to discuss and the collection notice and they asked if I had documentation to dispute what XXXX XXXX XXXX XXXX submitted. I provided this information via email and received a response they would investigate and respond in writing. I also contacted the credit bureaus to dispute the debt. On XX/XX/XXXX, I received a letter from AFNI , Inc., dated XX/XX/XXXX for a collection notice. On XX/XX/XXXX, I contacted AFNI, Inc., as to the purpose, since Id provided them documentation XX/XX/XXXX via email, and the response was that they have 45 days to investigate and are currently awaiting XXXX XXXX XXXX XXXX decision. They also indicated they would do a courtesy deletion until the investigation is over. I am providing documentation to support my assertion and would appreciate resolution with this matter. XXXX XXXX XXXX XXXX should not be able to continuously try to collect on a debt that was settled in XX/XX/XXXX. I cancelled my phone service in early XX/XX/XXXX, and the bill was {$520.00}. I was billed an additional month at {$190.00}, this bought the amount to {$720.00}. I didnt understand why I was billed an additional month that I didnt have service. I could not afford this payment and an arrangement was not made available. Complaint against AFNI , Inc., a third party collection agency that has filed false claims with the credit bureaus and not properly notifying me of collection notice prior to reporting to credit bureaus.
05/04/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 641XX	Web
In XXXX of XXXX we ordered four XXXX from XXXX. We were instructed to wait until all of the phones arrived before we go and activate them. The first three phones arrive and then the last phone never arrives. We reach out to XXXX to see where our fourth phone is located so we can proceed in activating them and are in instructed that our account has been locked for fraudulent account activity since we haven't activated the phones. Mind you, we were following the instruction of the XXXX associate. We finally receive the fourth phone in mid XX/XX/XXXX and proceed to the store to get the phones activated. We then find out that our numbers will not port into their system ( which should have been a step the XXXX associate confirmed before any phone ordering happened ) and determine that we are no longer interested in XXXX service. We work with the XXXX store manager to receive a full refund of all of our charges since none of the phones were used and were returned in unopened boxes. I have all of the receipts that show this credit. I assume everything is in good order and receive no further communication from XXXX. Fast forward to XX/XX/XXXX, I receive a bill from XXXX claiming I owe roughly $ XXXX when I have returned every phone and have all of the receipts indicating my account has been credited in full. I have been working with a customer service associate at XXXX and she has continually confirmed that this balance is not accurate and I in fact do not owe anything to XXXX. I can also provide documents of all of that communication. I appreciate your attention to this matter.
07/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NE 685XX	Web
I had an account for internet services with XXXX, now XXXX that was opened in XX/XX/XXXX. When I attempted to pay my bill online, their site was unable to locate my account because someone had transposed my last name when my account was opened. I called into customer service and they were unable to correct the issue or locate my account. My account was suspended due to late payment, the amount due at this time was around {$90.00}. Because of the poor customer service, I elected to not have my accounted reinstated and returned the equipment. I did not receive a final bill from them attempting to collect the total amount due on my account or stating the total amount due. In XXXX of this year, I received a collection notice from AFNI , Inc, for the amount of {$300.00} for this account. There was no explanation as to the final charges. I was able to settle the account by paying {$180.00} ( estimated ), but the account now is being listed as 'settled for less that the amount due ' on my credit report. I was not advised this is how it would be reported when I was offered the settlement amount when paying the collection with AFNI. This collection is now being listed on my credit report, even though I 've paid this off, and will continue to be listed until XX/XX/XXXX. I do not believe this has been a fair process in the handling of collecting on this account by either XXXX or AFNI. XXXX because they erroneously recorded my account in the first place, and AFNI because they did not inform me the payment would be listed as a settlement in reporting to the credit bureaus.
08/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92805	Web
In approximately XX/XX/XXXX, I cancelled service with XXXX ( XXXX XXXX XXXX ). I called their customer service number, and their representative told me that they would send out a box for me to return the equipment. I never received their box, so their equipment remains ( waiting ) in my garage. In XX/XX/XXXX, I noticed a credit item for {$99.00} that was related to the XXXX equipment. I called and asked if I owed them anything for their " service '' and they told me that the {$99.00} was related to their equipment. I explained that I still had their equipment, and if they would send a box, I would be happy to return their equipment. She told me that they show that they sent a box out a long time ago, but they could not give me a date. I disputed the {$99.00} on all of the credit bureaus and they removed the charge. Now in XX/XX/XXXX, I have a credit item from AFNI , Inc. for {$560.00}. The original creditor is listed as XXXX XXXX XXXX, it happens that it is related to the XXXX equipment. I am still happy to return the equipment, but they seem more intent on charging for the equipment than sending an additional box to collect it, or having a service tech stop by. I didn't owe XXXX XXXX XXXX {$99.00} for their equipment, and I don't owe their collection agency {$560.00} for the equipment. They are welcomed to send a box as they promised but I did not receive, or send someone out to pick up the equipment. At this point, everything that they are doing is simply punitive. Their reporting to the credit bureaus has zero to do with my payment history.
04/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33917	Web	Older American
I moved from XXXX to XXXX because I needed to get away from my XXXX husband and moved in with my brother. I had lived on my own and had Dish service when I left my husband. I could n't use XXXX as my brother already had his house set up with another vendor. I sent all the equipment back and then they sent me a bill for XXXX. They said I did n't return all the equiptment as well as I had a long term contract. I explained that I had no way to use it where I was but they sent me to collection. On XX/XX/2017 I called the collection company and spoke to a young lady and negotiated an end to the problem. She said that if I paid the XXXX that would take care of it. She said that the equipment they were charging for was the piece on the roof and I was n't expected to go on the roof and get it. When the next report came in from the credit bureau they now have me in there with NEW collection for XXXX and still have active collection in there for XXXX, I am buying a home and the lender says I need all this off my report and I '' m trying to get it off but getting no where after I negotiated with them in good faith and was told it would be a done deal. I am asking to have them ALL taken off the credit report AND to have my {$650.00} back. I expect that I 'm going to have to pay them more money to get this done and it 's not correct nor fair. I could n't use the program and it 's wrong to charge someone especially a senior citizen on social security for service they ca n't use when they need to move in with a relative. Please help me Sincerely XXXX
02/06/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MN 55428	Web
On XX/XX/XXXX I called XXXX XXXX XXXX Afni Account # XXXX, with the original creditor being XXXX XXXX XXXX, creditor account # XXXX to pay the the discounted amount of {$180.00} to settle me debt. This was all verified and confirm over the phone. I just received my Bank Statement and they charged me for the full amount of {$370.00}. I then called today XX/XX/XXXX at XXXX to dispute this transaction and Afni Account stated I have to wait 6-8 weeks for them to refund the money and then they will return the account to my credit report as being charged off, then I would have to repay the account again with me telling them I want to pay the discounted amount, not the full amount, which I already told them all this when I made the payment XX/XX/XXXX. Afni Inc stated I did not tell them I wanted to settle my debt at the discounted price of {$180.00} so they charged me the full amount of {$370.00}. How ridiculous is that statement? I then asked for a confirmation number or reference number for record keeping and to have proof the conversation between me and the creditor occurred on XX/XX/XXXX and the creditor who was on the other line of phone # XXXX XXXX XXXX at XXXX stated, there is no proof or record keeping of this transaction, the proof is me telling you what's going to happen, which is I wait 6-8 weeks, they then return my money of {$370.00} along with my charged off debt on my credit report, once this happens and I see it on my bank statement, I call them and tell them I want to pay the discounted amount, not the full amount. etc..
10/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 760XX	Web	Servicemember
In 2019, I had a television and internet service account with XXXX XXXX XXXX for several months. Not satisfied with their service, I called to cancel the account. I spoke with an XXXX XXXX XXXX rep over the phone who closed my account with no balance due and mailed me a shipping label to return my equipment. I shipped my equipment and the tracking number showed received. Several months later I start getting messages from XXXX XXXX XXXX that my account was overdue. I tried to tell XXXX XXXX XXXX my account was closed and that my equipment had already been returned. I contacted XXXX XXXX XXXX several times to explain the situation to them, however, they kept simply ignored my facts and asked for payment. After a few more months, XXXX XXXX XXXX sent the account to collections which I disputed as not due. When I disputed the account, the credit reporting agency agreed with us and removed the collection. XXXX XXXX XXXX used subversive actions by reporting the disputed collection to another collection company which would then show up as a collection on my credit. I have disputed this same disputed collection multiple times for over 2 years from different collection companies and each time the credit reporting bureau has agreed with me and removed the collection. I need assistance in telling XXXX XXXX XXXX to stop moving the disputed collection to a different collection agency each time I dispute the collection and have it removed from my credit by the credit reporting agency. At this point XXXX XXXX XXXX is harassing me without due cause.
05/04/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92020	Web
I was first called by Anfi in regards to owing some sort of debt due to a car accident. The total stating to be {$1500.00} USD. Not only did the man not listen to me over the phone when I was trying to communicate with them but he told me that he would report me and take legal actions. He also told me that only my insurance company could dispute a debt. Which I know is not true. This happened around XXXX of XXXX. I decided to no longer communicate over the phone and send everything through certified mail. I requested proof of the debt along with proof of other information, which I will be attaching below. This letter was sent XX/XX/XXXX. Once I actually did receive a response the only thing that was attached was an estimate. Not even any kind of receipt or proof that I specifically owe that debt. On this packet was a new amount apparently that I owed. This new total was listed at {$3000.00} USD. Why they would tell me I owe almost double what they originally claimed I owed and then not even show any proof of where this is coming from was a total shock to me. I then sent another verification of debt letter in the attempts to identify where this was coming from and why I owe them any money. Not only did they not send any information again, the only piece of mail I received from them was supposedly a discounted offer which they listed at {$1500.00} USD. Not even a settlement of any kind just some sort of discounted offer. This was sent from them on XX/XX/XXXX. I do not owe this amount and they refuse to provide anything Ive asked for.
09/28/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	WA XXXXX	Web	Servicemember
Date XX/XX/XXXX A man named XXXX XXXX XXXX born XX/XX/XXXX has driven a vehicle not fully in my name that was on a temporary loan based upon. Conditional delivery, '' or driving your new or new-to-you car home while a dealer ... If you have n't started investing yet, these tips will help get you on the right track .... to give back the down payment or trade-in if the deal is not approved. ... because the value drops precipitously once a car is driven off the lot. Too sum it these individuals took this car without permission resulting in the arrest of one individual, and other ran from the scene during this car accident. A YEAR LATER I GET A LETTER FROM AFNI SAYING I OWE XXXX IF NOT ALL THEN SOME OF THE MONEY. I EXPLAINED EVERYTHING TO THEM RESULTING IN OUR DISAGREEMENTS OF TRYING TO FIND PROOF THAT THE VEHICLE WAS N'T MINE LEGALLY IT WAS STILL THE DEALERSHIP NOR WAS I MAKING MONTHLY PAYMENTS YET WHERE I HAD NO DEALER ONLY TEMPORARY DEALERSHIP TAGS WHICH CAME FROM. XXXX XXXX will not cover this incident based on my identity being compromised and AFNI is trying to deceive me by theft and deception. They made threats that can impact my credit report saying I was negligent and I was not even the driver nor passenger. Also they made threats by notifying the DOT from suspending my drivers licence and registration privileges. XXXX XXXX XXXX at XXXX XXXX WebsiteDirections XXXX XXXX XXXX reviews XXXX dealer in XXXX XXXX, Colorado Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX Hours : Open today XXXX Phone : ( XXXX ) XXXX
03/30/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34952	Web	Older American, Servicemember
Dispute with XXXX for negative effect on credit for services not rendered or incomplete, equipment returned to facility. XX/XX/XXXX. XXXX service installation appointment made XX/XX/XXXX XXXX technician tried to install service ( unsuccessfully ) XX/XX/XXXX ( same Day of install ) all equipment returned to local facility due to incomplete new service or install. representative stated that was all that was needed and account will be credited and deactivate. XX/XX/XXXX, XX/XX/XXXX statements continued from XXXX for a amount of {$830.00} owed. XX/XX/XXXX contacted XXXX customer service they state equipment is missing XX/XX/XXXX notice of account in collections for amount of {$740.00} XX/XX/XXXX sent certified mail letter to XXXX XXXX in regards to this matter. Continued notices for collections and certified mail with copies of equipment returned and dates provided. XX/XX/XXXX notice from XXXX XXXX XX/XX/XXXX from XXXX XXXX XXXX XX/XX/XXXX notice from XXXX XXXX as of XX/XX/XXXX i am still receiving notices in collections. This is an ongoing issue i have tried to fix this issue several times but accounts keeps changing in hand to a different collections agency. I again returned equipment to local facility, person at facility stated that was all that needed to be done account will be deactivated and credited. This was all with in 30 days of new installation or service, technician had difficulty installing service in the home, installation Issue was never resolved. This has effected my credit rating and score negatively.
07/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90403	Web
To whom it may concern, A {$200.00} collections from AFNI on behalf of XXXX XXXX XXXX XXXX showed up on my XXXX credit report today. I do not owe this money and have had the same collection show up on my credit report in the past for several years now. I have repeatedly disputed the report as the various collection agencies keep changing the date. Immediately prior to this instance, the date listed was XXXX XXXX. There is no date listed for the delinquency reported today, XX/XX/XXXX, so I presume that is the date the credit bureau/ AFNI is using. I have also received phone calls and letters over the years despite my statement that " I will not pay this debt. Any further communication with me is in violation of the Fair Debt Collection Practices Act. '' Even if I did owe the money, the statute of limitations for debt collection in the state of Texas, where the debt was allegedly incurred, is 4 years ( Tex. Civ. Prac. Rem. Code Sec. 16.004 ; Tex. Fin. Code sec. 392.007 ( d ) ) That time has past. In XX/XX/XXXX, I did vacate my XXXX, Texas apartment. However, the internet services I cancelled were XXXX XXXX, with whom I had an account since XXXX ( see the attached documents ). By this writing, I respectfully request that the CFPB require XXXX XXXX XXXX XXXX recall the debt from AFNI, remove the collections from my credit report, and prohibit AFNI and XXXX XXXX XXXX XXXX from making any further reports to my credit. Should you wish to discuss this matter further, I can be contacted at : XXXX ( XXXX ) XXXX Regards, XXXX
04/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 952XX	Web
XXXX XXXX XXXX XXXX XXXX is the original creditor. 6 years 2 months ago my contract was over with XXXX XXXX XXXX I called and cancelled my service. I made it clear that I did not want to cancel before the contract was over ( unless they agreed to release me from contract ) and was told that my bills were paid in full and all requirements of the contract had been paid in full ( and or complied with and completed ) including a no obligation for fee 's for phones. Debt collector AFNI has reported a debt to the credit reporting agencies under my SS # in the amount of {$940.00} for a debt they say I originally owed to XXXX XXXX XXXX XXXX XXXX. This debt was paid in full and contract with XXXX XXXX XXXX was exhausted after all contract requirements were completed. I would also like to put on record that XXXX XXXX XXXX did not have service within 30 miles of my home for the last four months of my contract with them. I did not use my phone for several months because they did not have the ability to provide my phone with service at my residence or place of work or the local town I lived ( live ) in. XXXX XXXX, XXXX County California. I asked XXXX XXXX XXXX to please end my contract early and they refused. I paid my bill for three months with no services being provided by them to me. I did not cancel my contract with them and waited to disconnect XXXX XXXX XXXX service until my contract was over. I am requesting that this charge of {$940.00} on my credit report ( reported by AFNI ) be removed. Thank you! Respectfully, XXXX XXXX
06/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OK 73170	Web
I obtained XXXX XXXX services in XXXX XXXX against the advice of nearly everyone I knew. In XXXX XXXX, my fianc and I bought a house together, so I cancelled my contract with XXXX XXXX. Given I had a two year contract, I knew I 'd have to pay a penalty for canceling early. Given I was contractually bound to XXXX for two years, I paid the cancellation fee. XXXX XXXX sent me prepaid boxes in which to send back the equipment they had rented me. I followed the instructions exactly and left the equipment on my porch to be picked up as was instructed. It was picked up. Sometime after that, I started receiving collections calls related to not paying for the equipment. I followed up with XXXX and they refused to speak to me since the account had already been turned over to collections. Say what? After arguing with XXXX and the collection agency for several months, my wife finally paid it so that it would n't go against our credit. We went to apply for a mortgage for a new house today and guess what! My credit is XXXX - and that XXXX fee that for equipment that I RETURNED and eventually PAID FOR just to get them to leave me alone is lowering my credit by nearly XXXX points!! Given we are applying for a jumbo loan, this is catastrophic because now we no longer qualify!. I explained to my mortgage officer what happened and she mentioned to me that this is common with XXXX and XXXX - that after you return the equipment they continue to hound you for fees you do not owe. She suggested that I file a complaint through consumer finance.
04/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 191XX	Web	Older American
At some point in 2011, a representative from XXXX XXXX called my house and talked to a family member. The caller was trying to sell us credit cards. The family member, my husband - accepted the offer. Without consulting me, he gave the person my social security number, as well as his own. I never even spoke to the person, and I never would have accepted the offer of another credit card. I thought the card was my husband 's, when I used it once - to pay my annual dues to the XXXX XXXX XXXX XXXX I paid the amount due upon receipt. Two years later, I got a letter from an attorney, XXXX XXXX, who claimed to be suing me on behalf of XXXX XXXX, for over {$2000.00} in fees and interest. I wrote Ms. XXXX immediately XXXX per the legal requirement to dispute it within 30 days XXXX, to tell her that the " debt '' in question was not mine. During the last month - over ten years since the original card was improperly issued, I have gotten letters from lawyers and bills from a collection agency - for that same " debt, '' which is not mine and should not be deemed to be mine. The lawyer was actually, and appallingly, pitching a proposal whereby I would use the money I will receive due to the CARES act, to " repay '' the creditor. I believe this is called " zombie debt '' - with an additional appalling bid to get a hold of money being sent to all Americans to provide relief during an unprecedented and devastating health emergency ( one which has deeply affected my family ). I am attaching copies of several relevant documents.
12/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 36605	Web
To Whom It May Concern, On XX/XX/2020 I disputed an account reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/2020 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit Report under a New Company named AFNI, Inc. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX. Please govern yourself accordingly. XXXX XXXX XXXX XXXX XXXX. XXXX, AL XXXX Cc : Consumer Financial Protection Bureau XXXX : Attorney Generals Office Cc : XXXX XXXX XXXX
12/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 17042	Web	Servicemember
On XX/XX/XXXX after being discharged from the hospital for an aortic dissection, I cancelled my XXXX account in person, by phone, and by email since I could not log in online. For the next 6 months I tried to resolve whatever issue they thought they may have had with online chat ( XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX ), by phone ( XX/XX/XXXX and a couple more ), and in writing ( XX/XX/XXXX ), and email. After processing payment for a phone they claimed I owed, they started charging my credit card for additional monthly service! On XX/XX/XXXX I had an Army JAG lawyer contact them to try to resolve the issue. Finally I contacted my credit card company to reverse the charges they were stealing from me. On XX/XX/XXXX they sent me a cancellation email claiming I owed {$570.00}. I responded with another letter to XXXX on XX/XX/XXXX explaining why I did not owe them anything. In XX/XX/XXXX, they had XXXX XXXX ( debt collector ) start harassing me about the money. O contacted XXXX, in writing, documenting my case. XXXX sent a response that the debt was valid but stopped the harassment. The credit card company refunded my XXXX charges leaving the XXXX and XXXX charges. The XXXX had another debt collector, XXXX, being harassment. XXXX filed a delinquency report on XX/XX/XXXX with XXXX. I contacted XXXX with my documentation and they removed the delinquency report. In XXXX, XXXX had ADNI, another debt collector, begin harassing me. On XX/XX/XXXX. AFNI filed another delinquency report with XXXX. Which I will have to refute again!
01/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 190XX	Web
To Whom It XXXX Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to XXXX XXXX. XXXX. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I am writing this letter to dispute the following accounts : AFNI , INC . This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per XXXX ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, I AM NOT A CREDIT REPAIR COMPANY
03/22/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30213	Web
Afni, Inc. has placed an account that is unknown to me on my credit report. I filed on online dispute with XXXX on XXXX XXXX, XXXX however, the account is still updating and reported as 90 days late as of XXXX XXXX, XXXX. In the dispute I asked Afini to validate this debt, they are still illegally updating after I asked for validiation. Afni is illegally reporting this account to the credit bureaus and my creditors. First of all, the account is reporting a " One Month Term. '' What terms and agreements did I sign and agree to when Afni debt collector purchased the debt? None. The account is reporting as " 3 months late ''. How can this be? Collection accounts are not like original creditor accounts. Consumers do not open an account with a collection agency and promise to pay monthly payments. Afeni is NOT reporting the last status from the original creditor and they can not update lates on a monthly basis. The date of first delinquency with the original creditor is not reporting and according to the FCRA, Section 623, " ... A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. '' This account is showing a XXXX XXXX reporting date.
06/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 809XX	Web	Servicemember
I went to close out my account with XXXX because of the mistreatment and price XXXX was charging. I paid off all my lines and caught up my bill with XXXX XX/XX/XXXX- {$340.00}, XX/XX/XXXX - {$570.00}, {$110.00}, XX/XX/XXXX - {$260.00}. I called on XX/XX/XXXX to close out my account because our numbers were ported to another provider, the first gentleman I spoke to told me I couldn't close out until end of billing cycle and to call back later. I called the day before the end of the billing cycle to close out my account the lady I spoke to told me all lines were suspended and that my bill was caught up ( XX/XX/XXXX payment ) and I was good to go. Fast forward two weeks and I got another bill. I called in and spent well over an hour to make sure all accounts were closed and she assured me everything was good and finally closed. Then in the beginning of XXXX I got a bill for {$45.00} I called into XXXX to let them know I have tried to let know I've been trying to close this out for a whole month and no one was helping me that I shouldn't have this charge. It was not my fault that no one was helping actually close my account for a WHOLE MONTH. I got a call today from the collection agency ( XX/XX/XXXX ) I explained to them to look through the account notes to see that I was calling in for a whole month to close an account i no longer needed and that the lady said my account was paid in full and that I wasn't paying the {$45.00} they claim still to be owned. He told me to have a nice day and hung up.
08/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 463XX	Web	Servicemember
XXXX/XXXX would not stop billing me after services were disconnected. XXXX Called to have internet service shutoff on XX/XX/2021. XXXX Received email from XXXX/XXXX reminder that services were being terminated on XX/XX/2021. XXXX Received email from XXXX/XXXX about an updated service agreement. XXXX Received bill pay reminder email from XXXX . ( assumed it was final bill ) XXXX Received receipt for payment of bill for full month amount XXXX Received bill in email for XXXX for full month payment. Tried calling XXXX/XXXX but their phone system sent me in circles without being able to talk to a person about bill and service. XXXX Tried calling XXXX again. Automated service made me do online chat with a person who agreed that services were supposed to have ended on XX/XX/2021 and said they were going to take care off disconnection issue and refund me for the XXXX bill. Received an email saying they were canceling services on XX/XX/2021 ( have screen shots of chat conversation ) XXXX Tried calling XXXX , wasn't able to get past automated loop. XXXX Called XXXX XXXX talked to a woman who would only have me setup a payment. She said she was the customer complaint manager and that she had no boss above her and that she could not see any previous contact or the original email of canceling service. XXXX Did a chat with XXXX again. They promised to refund me for XXXX and XXXX. Asked to talk with a person and no one called me. Continued getting past due bills in mail for services after XX/XX/2021.
05/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07013	Web
ATT XXXX has been attempting to collect a debt that is not mine, and their actions have been harassing. I only found out about this matter when I pulled my credit report upon seeing an unusual decline in my XXXX score on a credit card statement. I successfully disputed the matter with the XXXX credit reporting agencies and it was removed from my transcript. I also responded to the debt collector ( XXXX in XXXX, FL ) on their website per their instructions stating the following : " I have had no business with ATT XXXX, and this is not my liability. This constitutes an error by ATT, either by attributing the item to me, or failing to properly validate the identity of the person who used their services at account opening. The issue was previously investigated and resolved by the credit reporting agencies to my satisfaction, and I expect the same from XXXX, with no further collection efforts directed at me as a result of ATT 's error. Please confirm acknowledgement and resolution of this matter. '' XXXX did not acknowledge my statement as I had asked. Instead they have now passed the matter to another debt collector called Afni in XXXX, Il, who has been sending me repeated debt collection notices. I would appreciate your assistance with this matter, as ATT XXXX, XXXX, and now Afni have mishandled this matter and are continuing to harass me over this debt that is not mine. It seems to me ATT could have simply pulled up the call logs attributed to this account and easily identified the fraudster.
06/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 21213	Web
I previously was an XXXX customer. Due to multiple better business bureau complaints XXXX told me that they will let me out of my contract if i returned the phones to an XXXX XXXX store, which i did. Several months later i started getting contact from various collection agencies regarding the XXXX account that i wasnt informed that i owed. Instead of continuing to argue with XXXX, I decided to include the XXXX account in my bankruptcy. XXXX was notified that the bankruptcy was filed. After they was notified they sold the account to AFNI. I have contacted AFNI on multiple occasions regarding this account. Once my bankruptcy was discharged i had to send AFNI my court documents proving that it was discharged. After receiving my files AFNI told me they closed the account. Then they started to harass me again. XXXX blames afni and AFNI blames XXXX. AFNI told me on XX/XX/XXXX that it didnt matter that the account was discharged i need to pay it anyway. Another rep told me to go to XXXX. I spoke to XXXX on XX/XX/XXXX Their rep XXXX XXXX told me AFNI needs to close the account. AFNI tells me i still have to pay although it has been discharged in bankruptcy, which is against federal law! The bankruptcy law states that no creditor can collect on any account that has been discharged due to bankruptcy. AFNI is a fraudulent collection agency! The government needs to shut them down. Instead of settlement in the fraudulent business practices case against AFNI the government should have shut them down
08/14/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48080	Web
To Whom It May Concern, I have an XXXX XXXX XXXX Collections on my account ; AFNI, INC. for {$180.00}. I have paid this collection and settled. This collection was a result of un-returned equipment for when I was in college. I had an out of state internship and my roommates said they would return the equipment. They did not do this immediately and I was in another state trying to get them to return the equipment. I was notified by XXXX XXXX XXXX that it was not returned and tried working with them to explain the situation. The roommate who had the router got a job in another state than the one the XXXX XXXX XXXX equipment originally was from. XXXX XXXX XXXX refused to take the equipment at a location in a different state than we had used the equipment in. In the end the ex-roommate told me they returned the equipment but XXXX XXXX XXXX never gave me credit for it. This roommate could have been lying, there is no way to know. Still XXXX XXXX XXXX was not helpful in resolving the issue. Once they marked it as deogatory they never even followed up to see if the equipment was returned. The account is paid and settled for nearly 3 years. I have been a client of XXXX XXXX XXXX for over 12 years, going back to Cingular Cell Phone. There is no reason this should still be on the report. It is negatively affecting my credit and making it more difficult to get competitive interest rates on loans or qualify for student loan consolidation. I would like this PAID collection removed and deleted. Thank you.
07/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CO 809XX	Web	Servicemember
On XX/XX/XXXX I suspended my XXXX XXXX account due to an overseas tour in XXXX XXXX ( Military ). Which I have orders to prove tour.A couple of months into my tour in XXXX I attempted to lift the suspension on my account to attempt to connect service where my dependents were staying in CA.When I tried to open the account back up my account could not be found.On XX/XX/XXXX, I opened a new XXXX XXXX account ( Account still active and still in good standing ) and made several attempts to rectify the issue having to do with the account suspended in XX/XX/XXXX.No information could be found on the suspended account. On XX/XX/XXXX after the current account had already been opened I received a letter from XXXX XXXX stating that my account had been sent to collections ( Already having a current account ). Upon receipt of letter I attempted to call XXXX XXXX directly to rectify the issue and it turned out that my information on the first account had been annotated completely wrong.Making it troublesome for me to be able to relocate my past account. When I was speaking to the representative the rep told me that there was nothing they could do, but that I could pay my account to rectify the issue.My wife 's name was completely wrong, my name was completely wrong, and my SS # had been annotated wrong by XXXX digit.This was a mistake on the provider 's part not mine.As of now, the " delinquent '' XXXX XXXX account negatively affects my credit even though I have a current XXXX XXXX account in good standing.
06/12/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 20772	Web
My complaint is about XXXX XXXX XXXX XXXX continuously using third party collection agencies to collect on a debt that was settled in XXXX XXXX . Id like to file a complaint against XXXX XXXX XXXX XXXX for the continued harassment. XXXX XXXX XXXX XXXX should not be able to continuously try to collect on a debt that was settled in XXXX XXXX . I cancelled my phone service in early XXXX XXXX , and the bill was {$520.00}. I was billed an additional month at {$190.00}, this bought the amount to {$720.00}. I didnt understand why I was billed an additional month that I didnt have service. I could not afford this payment and an arrangement was not made available. XXXX XXXX XXXX XXXX had XXXX XXXX XXXX XXXX XXXX , a third party Collection Company to contact me in XXXX XXXX , and offered a settlement of {$400.00} from the original debt of {$720.00}. I accepted the offer and it was settled. The harassment from XXXX XXXX XXXX XXXX continued and has been ongoing ( 4 ) years with no end in sight. They just use different third party collection companies to harass me. Now XXXX XXXX XXXX XXXX is trying to resubmit the debt and collect on the {$320.00}. AFNI, Inc. even submitted false information to the credit bureaus that the original debt was {$320.00} in XXXX XXXX . I have my original statement from XXXX XXXX XXXX XXXX which shows tha t AFNI , Inc. , is providing the credit bureaus false information.
08/28/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	CA 91605	Web
This company has recently tried contacting me again and again regarding a debt that I do n't even know about. I have settled alllllll of my payments with my cellular company and however they dispersed the funds is their business. Recently I disputed this account with the credit bureaus and it came back verified and they even re-aged it and said I owed a balance and that nothing was ever paid. I am utterly confused by this companies tactics and would like them investigated please. This account is so old I have no paperwork to provide They have passed the statue of limitations in everyday to report to my XXXX credit reports or to connect or attempt to collect anything from any one in my family. They even spoke to my mother, while asking for me, and she was utterly confused. Please make them go away and have them remove their account # XXXX from my credit reports immediately. I will pursue litigation if necessary, they are very aggressive. I have settled all payments I have ever had and they have recently contacted me again, I believe them to be attempting to re-collect a debt in full again. I am not sure. They have no right calling me and leaving me automated voicemails on my cellular. I do not know who this company is and I would like them investigated for harassing me. II have read the websites and have heard horror stories of this company and now I am a victim over a few hundred bucks. This account is false and illegal placed on my records. have not had any debt issues over seven years.
10/31/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 604XX	Web
An auto accident that occurred at a red light on XX/XX/2021. It is claimed I owe damages for the amount of over {$4000.00}. This accident that has been claimed against me had a police report on the scene that noted that NO DAMAGES WERE MADE for this accident. On the police report I have in my possession along with pictures of both my vehicle and the other partys vehicle show no damages on her vehicle. This claim brought against me shows parts and items of this vehicle that mine didnt make any contact that she had gotten fixed and is trying to sabotage/blackmail me into paying for. I have a lawyer for this matter and have sent many dispute forms to AFNI subrogation claims department stating they in violation of my rights and for not proving the debt I owe is caused by the accident that occurred on the date of XX/XX/2021. My vehicle bumped her hitch on the back of the other partys SUV and left no damage at all. Nobody was hurt. The officers told us to go our separate ways. I will not be paying for damages claimed against me that are separate from her own vehicle maintenance needed to be fixed. It was 2 full months after the accident that the other party decided to go get her vehicle fixed and due to the nature of the weather she may of been involved with a different accident or struck an object due to the snow/sleet/rain conditions. I have all my documents to fight this and have already filed many dispute forms for this occurrence. Please give me a call at XXXX or email me @ XXXX XXXX
01/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 14207	Web
On XX/XX/XXXX I received confirmation # XXXX from a collection company called XXXX XXXX ( XXXX ) XXXX to affirm that I had in fact resolved this matter for an old XXXX bill, by settling the payment for {$510.00}. Then a month later the same bill was requested for me to be paid by another collection agency ( who's name I don't recall because once I gave them the information I provided above they dismissed the account ). Then on XX/XX/XXXX I received a letter date XX/XX/XXXX from another collection agency called AFNI, inc. ( XXXX ) XXXX requesting that I pay XXXX again for the same XXXX XXXX I had already resolved with XXXX XXXX. I immediately called AFNI, inc. on the evening of XX/XX/XXXX to explain that this matter had already been resolved but the representative refused to accept my information and stated that if I didn't pay that they would report the account to the credit bureaus ( which they did by the very next morning an AFNI, inc. collection account was reported on my credit report ( XXXX, not sure of the others as of yet ). I contacted XXXX in which they just directed to call another credit agency who directed me to call XXXX back and explain that they must resolve this matter. I can not get ahold of anyone at XXXX to resolve this matter, and I've tried every support avenue they offer from chat to calling them directly. I am at my wits end and do not know what to do from these predatory collection agencies continuing to try and collect on a bill that has already been paid.
05/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60617	Web
On XX/XX/XXXX I received an alert from XXXX regarding a change in my credit report. After accessing my report, my score dropped 17 points due to collection that was placed on my report on XX/XX/XXXX from Afni Collections. I never received any notice regarding this debt, nor did I receive a phone call. After calling and speaking to a representative, they had complete disregard that they failed to validate this debt before placing it on my credit report where my score dropped. I am now in the process of buying a home an my realtor is not willing to move forward because I now have a negative remark on my report that sets me back another 30-45 days until this dispute has been handle and removed. This is completely illegal to place a debt that has been discharged in my chapter XXXX BK as of XX/XX/XXXX. When I tried to explain this to the representative, again I was ignored. No regarding for the fact that this debt was no longer valid and hindering me from moving forward in purchasing a home. I have disputed this debt with XXXX and Afni, providing Afni with all the details of my bankruptcy. I would also like to mention that when the rep tried to verify my information, NONE of it was correct, and I did NOT provide any updated info. Collections companies are required to verify a debt prior to reporting to a credit bureau. This is a tactic that many of them use to get you to call them so that they can collect a debt. Please note that the debt is listed for exactly 1 day on my report ...
05/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22102	Web	Older American, Servicemember
I terminated my Cable Service with XXXX XXXX in XX/XX/XXXX XXXX later contacted me to say that equipment related to the Cable service had not been returned. I provided the receipts for the returned equipment and heard nothing further from XXXX. This was documented by XXXX in XXXX Case Number XXXX and XXXX Case Number XXXX. On XX/XX/XXXX I was contacted by XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Reference Number : XXXX requesting payment of {$340.00} for XXXX Equipment. They provided no back-up for the requested payment. I provided the XXXX return receipts by US Postal Certified Return Receipt email on XX/XX/XXXX, within the required 30 day dispute period. I have the signed US Postal Receipt for delivery. I have heard nothing else from XXXX XXXX. On XX/XX/XXXXI was contacted by AFNI 1XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, AFNI Reference Number : XXXX requesting payment of {$340.00} for XXXX Equipment. They provided no back-up for the requested payment. I provided the XXXX return receipts by US Postal Certified Return Receipt email on XX/XX/XXXX, within the required 30 day dispute period. I have the signed US Postal Receipt for delivery. I received another letter from AFNI on XX/XX/XXXX continuing to demand payment of {$340.00} It appears that XXXX has sold this claim to debt collectors who seems to now be selling it to each other. What steps do I need to take to end this harrasment? I have all of the letter communication materials described above.
07/01/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77023	Web
Afni, Inc. Recovery Team - XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX . XXXX, IL XXXX XXXX Acct : XXXX Collection agency reported debt to XXXX on XX/XX/XXXX. I filed my dispute with XXXX on XX/XX/XXXX. In my dispute I requested validation of the debt. AFNI failed to respond to XXXX. As such, XXXX completed their investigation and removed the collection from my credit report on XX/XX/XXXX. I called and attempted to resolve this matter with AFNI on XX/XX/XXXX. The agent misrepresented my intentions and confirmed she noted the account as " refused to pay because mail not received. '' I clarified that was not my intention. I called AFNI to settle the account for a low amount ( {$25.00} ) because they did not respond to XXXX, or at best, to have the account removed from collection. Due to that conversation, I sent an additional formal dispute letter directly to AFNI on XX/XX/XXXX via e-mail stating all of the above. I demanded removal of the account from their ownership and a cease and desist of collection actions based on misrepresentation, FDCPA 807. I demanded removal of the account and cease and desist of collection actions due to failure to respond to verification request to XXXX, FDCPA 809 ( b ). I received a letter yesterday from AFNI with an additional attempt to collect the debt and with verification from XXXX XXXX XXXX attached. Note, the verification was simply XXXX XXXX XXXX 's letterhead and a balance owed. There was no itemization or explanation of the balance.
03/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TN 37849	Web
AFNI bought my account from XXXX. I have been dealing with this issue for several months. I am trying to buy my 1st home and this is hindering the process. I have literally been going through this since XX/XX/2016. I keep calling AFNI requesting an itemized list of the charges because I know I do not owe this amount. They sent a generic form saying I owe x amount of dollars but they wo n't tell me what I owe for. They tell me to call XXXX. I have called XXXX literally over 50 times and talked to numerous people ( because they transfer me to 4-8 different people. The last person usually " accidently '' hangs up on me. Anyway, everyone at XXXX tells me they ca n't tell me what I owe the money for because " their files are archived. '' I have told AFNI that XXXX can not give me any details. I told this to XXXX today. She says, " Well if XXXX ca n't give you any details because their files are archived, what makes you think we can? '' Therein lies the problem. They say I owe a debt of ( now ) {$930.00} but they can not support the " why '' part of the debt. I have a feeling I was charged for things such as early terminations ( I was out of contract ) and/or equipment return fees ( I hand delivered these to a representative, ) etc. Nobody can answer this question. I informed XXXX I was going to file this complaint today if I did n't have the information and she told me to go ahead and file because they do n't have any copies of bills and they only have the amount. Please help.
07/20/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NV 89118	Web
AFNI NOW OWNS THIS XXXX DEBT. I HAVE DISPUTED WITH BOTH XXXX, AFNI, AND THE FCC. HERE IS MY STORY : AS A NEW CUSTOMER I WAS PROMISED A BUNDLE DEAL WITH XXXX AND XXXX XXXX FOR {$80.00}. I DID NOT WANT TV, BUT THEY TALKED ME INTO IT BECAUSE IT WAS SUCH A GOOD DEAL. I GOT MY FIRST BILL, IT WAS {$180.00} I CALLED THEM AND THEY ASSURED ME THAT MY NEW CUSTOMER REBATES HAVE NOT KICKED IN YET, TO WAIT 30 DAYS AND THEY SHOULD REFLECT. AFTER 30 DAYS.. ANOTHER BILL FOR {$150.00}. UNHAPPY I CALLED BACK AND THEY TOLD ME THAT THE PERSON THAT SET ME UP ON THE PLAN, DID IT WRONG!! AND THAT SINCE ITS BEEN 30 DAYS, THEY CANT CHANGE IT SO THEY HAD TO ESCALATE IT TO HIGHER MANAGEMENT. SO I DID. AND IT SOLVED NOTHING. I ESCALATED IT TO THE HIGHEST DEPARTMENT AND THEY TOLD ME THERE WAS NOTHING THEY COULD DO! HOW CAN THEY DO NOTHING WHEN THEY XXXX UP? NOT ME, THEM. THEN THEY STARTED BLAMING XXXX AND SAYING IT WAS THEIR FAULT, SO I GOT THEM ON A 3 WAY CALL AND FORCED THEM TO TALK AND XXXX ADMITTED FAULT SINCE THEY ARE THE ONES THAT SET ME UP WRONG. i WROTE A LETTER TO THE PRESIDENT, WHICH WAS THE HIGHEST THING I COULD DO WITHOUT HEIR USELESS SUPPORT AND THE PRESIDENT NEVER RESPONDED! I CANCELLED MY SERVICE AND THEY BILLED ME FOR THE REMAINING SUM OF THE CONTRACT FOR CANCELLING. THEY ROBBED ME. THEY DO THIS TO EVERYONE. ITS WRONG. THEY NOW SOLD MY ACCOUNT TO AFNI COLLECTIONS FOR A TOTAL AMOUNT OF {$1000.00}, I WOULD LIKE TO GET THIS DISPUTED. I contacted afni to dispute but have not heard back.
05/23/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AR 723XX	Web
To Who m It May Conce rn, I am filing this complaint because of unfair consumer rights. I have been disputing the amount of my XXXX bill final amount due every since I completed my 2 year contract. I no longer wanted to use their service and sent them all of there equipment. This amount of {$120.00} has been in collections fo r 2 1/2 ye ars. I contacted AFNI Collections to settle the account because they sent me an offer that if I paid {$62.00}, which is half of the claimed {$120.00}, that XXXX XXXX said that I owed. So, I agreed to pay the {$62.00} ( C heck XXXX dated XXXX XXXX , XXXX ). Now that I have contacted both XXXX XXXX and AFNI Collections to have this moved off my credit report and to have it reflected as paid, both companies are giving me the run around on who owns the account and who should have received the payment. But, I was told by the collections com pany AFNI to send payment to XXXX because they could not receive money directly, but they could make the agreement to make a settlement offer because they worked for XXXX XXXX . I have paid the agreement that the company that was listed on my credit report had offered to settle this. I need to get this resolved. As you can see on the check that I paid, it lists both companies on the check. Now XXXX has another collections company trying to collect another {$62.00}. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , AR XXXX XXXX XXXX XXXX ( XXXX ) XXXX
01/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 329XX	Web
This Debt collection company AFNI is trying to collect on a debt from XXXX and reporting it as a debt that went negative in XXXX. I have contacted XXXX XXXX XXXX XXXX and they have zero accounts with my name and social security number. I contacted XXXX XXXX XXXX home internet and they have XXXX accounts with my name and social security number. I contacted XXXX XXXX which is an affiliated service with XXXX XXXX XXXX and they have zero accounts with my name and social security number. Funny story, they do have and account from XXXX that was opened with my name and zip code XXXX. Not even my social, a phone number that has been registered to a dog groomers since XXXX. I have fixed the issue with XXXX XXXX, they gave me a confirmation number of XXXX. Told me dispute it with my credit bureau and the collection agency will be forced to drop it. I disputed it, and they out and out lied. Not only are they reporting this as current but reported it was active. This is n't the first time a debt collector does n't update their facts, they just make up their own story to fit this. It is not fair for me to be responsible for something there is no contract or anything for. Its a service that you open with a name and address that is n't even mine with a phone number that was n't even mine. This was very very evident with XXXX XXXX customer services, as well as they said i have zero accounts in collections. Just my name and a zip ode i never lived in. They should be held accountable.
08/03/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89178	Web
XXXX XXXX i lived in the XXXX area of XXXX XXXX with XXXX XXXX in residence. i moved to the XXXX area and did my due diligence in contacting and and verifying the move and XXXX XXXX is working in new home. Everything was verified and XXXX was able to provide service. the day of re-install i was informed they can not provide service, when i call them i was told that service is available in my area but few condos have backward facing patios and are blocking reception. XXXX XXXX suggested that i pay for remaining 6 months and i owe this due to my contract. I have contacted them twice to install and same answer that they can not provide service. I tried to get my contract nulled base on the fact i should not pay for services that i will receive. i spoke with many rep and finally i asked for a manger i may speak with and was told " you will go no higher than me '' they have sold my debt multiple times on my credit, where some credit collecters were abusive some understood my issue and the following month i was sold to another collecter. currently i am under AFNI XXXX XXXX XXXX XXXX IL XXXX XXXX {$270.00} i feel my contract is nulled when no services are provided. Under my contract i am responsible prior to a move to setup re-install and insure that service are available in the new home. I did all i was required. if i followed the [ policy and was told under their reprensatives yes, and i shouldnt be responsible to fulfill my contract if XXXX Can not provide services.
04/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95356	Web
AFNI, INC. Account number XXXX Recent balance {$1500.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XXXX XXXX. AFNI is reporting a collection from XXXX that is NOT NOT NOT mine. I attempted to contact afni to dispute this account. At first they stated they could not find any accounts in the system under this account number. I then called XXXX, who also could not find any past due accounts under my social, address or this account number they also stated they DO NOT SELL TO AFNI, there are 2 other collections companies they work with but none of them is AFNI. So afni is fraudulently attempting to collect this debt on behalf of XXXX who has no recollection of this account or even working with them ... I called AFNI again, this time they insisted on collecting my personal information phone # s with purpose of verifying the account and NOW I'm getting non stop collections calls from them threatening to take me to court and garnish my wages ... I almost lost my job because of this fraudulent collector. please help ... I have written several letters sent certified mail to AFNI and got NO response. I went to law foundation for help and DA 's office who advised me to file my complaint with you and also to file my complaint with FTC with hopes of bringing this fraud collectors to justice. If this is not removed from my credit report I will file this with the case law attorney who is working on case against AFNI already.
04/29/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75243	Web
I 've had multiple problems with this company. The first is that the debt that they have listed on my credit reports is not valid, meaning I never owed XXXX XXXX XXXX any money. I cancelled my XXXX XXXX XXXX XXXX account years ago and there was no money owed on the account when it was closed. The problem is, the agents at AFNI ( debt collection agency ) refuse to investigate this issue and have only responded to my mail correspondence with form letters. Furthermore, they have " re-aged '' the debt illegally after I 've spoken with a phone agent ( this happen ed on two occasions ). When I say " re-aged '', I mean that they reset the beginning date that the debt was incurred causing this account to appear on my credit reports much longer than the usual 7 year time frame. My understanding is that a collection agency can only do this if I agree to a payment arrangement ( which I have not ) and then default on said arrangement. The only thing I 've ever told them by mail or over the phone is that this debt is not valid ( not mine ). I 'm getting very frustrated with them and have hired an attorney to try to get them to remove this from my XXXX and XXXX credit files ( does n't appear on my XXXX report ). I also will no longer call them due to their unscrupulous tactics. I 've uploaded the latest correspondence that I 've received from them which is essentially a form letter. They 've sent me this same letter each time that I 've written them.
08/31/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 932XX	Web
Please forgive me but I want to make a disclosure to you because I don't want to come off as deceptive. I attempted to make a complaint in XXXX but your website would only allow me to make a complaint in English. To this end, I am using a translator who is filing this complaint on my behalf while I am present to convey my words to him. I hope this is enough for you. The nature of this complaint is that I am tired of fighting an account with XXXX. For years I have been contacting XXXX because I keep receiving collection notices from various different collectors saying I owe XXXX money. For years the collectors have removed the account from collections only for the account to reappear with a different collection agency. Every time it does, I call XXXX and they swear I do not owe them money nor do they have any records of me owing them money. In the end I still have the account appearing on my credit report and hurting my credit. What am I supposed to do? I'm not familiar with procedures to go after the companies who are trying to mess with me and I'm not a person who likes to run to the courts for something which to me seems so simple. Can you please stop XXXX from either lying to me or to get them to call the collection agencies who are reporting XXXX collections and stop them from pursuing something I don't owe. If I really don't owe these bills, which I know I don't, then they shouldn't have a problem contacting people committing fraud in XXXX XXXX name.
09/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75219	Web
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Afni, INC. XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX File Number : XXXX RE : XXXX XXXX Balance {$710.00} Dear XXXX, XXXX, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas, Consumer Protection and will file a complaint with the FTC. In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. Thank you, XXXX XXXX XXXX.
07/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY XXXXX	Web
I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
03/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 926XX	Web
Around XX/XX/XXXX, we received an alert from our ProtectMyID service, as well as XXXX credit card that a major derogatory has shown up in our credit report under the name AFNI Collections. We tried resolving it through the XXXX service but after some phone tag, they seem to have no intention of helping us further. We later received another alert - XXXX XXXX. Also note that the original Creditor account numbers are the same, so I assume that the collections account was sold from AFNI to XXXX XX/XX/XXXX. I contacted XXXX XXXX, found out it's a XXXX XXXX account. I contacted XXXX XXXX, was told it's an XXXX XXXX XXXX XXXX account, and was given some information about the account, including an account number. I was then being " transferred '' to the XXXX XXXX XXXX XXXX department, but was put on a very long hold. I waited 30 minutes and gave up. Then I tried contacting AT & T UVerse directly, but the operator kept routing me to extensions where no one ever picked up the line, and the call disconnected. I am at a loss, I can't contact the company that is doing major damage to my credit. I have already submitted a report to the FTC, and planning to freeze my credit, but I need help removing this from my credit report. XXXX XXXX XXXX numbers called, did not receive help : XXXX XXXX Info on Fraud account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraud service address : XXXX XXXX XXXXXXXX XXXX. North Carolina Acct. active around XXXX - XX/XX/XXXX XX/XX/XXXX
04/14/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WA XXXXX	Web	Servicemember
Afni, continues to write me about a debt that I have no knowledge of. They also have not sent me any validation of this debt as follows : 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports you 've furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX and XXXX for code of ethics violations.
07/13/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33334	Web
I contacted ( 2 ) collections agents Afni, Inc and XXXX who are reporting a negative account on my ( 3 ) bureau credit reports. I reviewed my XXXX credit report in XXXX and found an account that is unknown to me. I wrote a letter on XX/XX/2018 and again in XX/XX/2018 to both companies who are both reporting at the same time. I explained in my letter that I had not yet used my credit in anyway and there should be nothing reporting on my credit I requested that both companies provide me with Full validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and all corresponding local state laws. I requested validation that is competent evidence bearing my signautre showing that I had or ever had some contractual obligation to pay. Because this account was fraudulently opened I insist that these ( 2 ) collections agents remove all negative marks found on my ( 3 ) bureau credit report files from your company and the company they represent. XX/XX/2018 after no response at all from both the reporting collection agents I worte to the ( 3 ) reporting bureaus XXXX ; XXXX XXXX and XXXX by certified mail and enclosed copies of the letter sent to Afni, Inc and XXXX ( see attached document ) asking for validation that the information their clients are reporting is correct and that it seems that some one used my perosnal details to open up this accounts. I requested Full Validaiton and I have not yet had any reply.
06/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WA 98311	Web	Servicemember
When I changed my residence, I tried to transfer my internet account from my old residence to my new. I called XXXX, and requested a transfer. Instead of doing what I requested, they opened a new account and left the old account active. I did n't realize this at first and started receiving notice for late payments. I would pay them, thinking I had made a mistake, and the next month I would receive a late statement for the alternate account. Many months later I realized the different account numbers, inquired to find the issue, and called the company. After many phone calls and emails, my complaint was sent up through their company for review. They came back apologizing, gave me a check for the wrongful charges, and assured me that both accounts would be closed. For a few years I heard nothing, then XX/XX/XXXX, a collection agency AFNI contacted me to inform me that I owed them {$350.00} for and account I had with XXXX. The same account that was fraudulently created. I called XXXX and emailed a complaint. I got a response back again admitting it was an error, and saying that AFNI would be informed and called off. It is now XX/XX/XXXX, I tried to apply for a home equity loan and was denied because the XXXX issue still is n't resolved. My credit score is wrongfully low, and this is now affecting my future. I need this loan for my divorce, or I will be forced to sell my house. I contacted XXXX yesterday, and my account is still showing I owe.
08/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 78251	Web
I have attempted to fix this issue with XXXX XXXX XXXX /AFNI , Inc in the amount of {$8600.00} multiple times per the information stated on my credit report I have not had XXXX services open XX/XX/XXXX after speaking to XXXX i was informed i owed for 5 lines I informed her at this time " that is incorrect information she at this point stated yes this happens alot with XXXX " I've requested for a manager to review this unknown account and was informed they do not do so and i would have to pay the amount due, Ive called back multiple times and have spoken to XXXX XXXX XXXX he stated this account is under review for fraud and should have been closed as of XX/XX/XXXX and removed. XXXX also stated the reason it keeps popping up on my credit report is because XXXX sells the accounts to 3rd parties. This is unfair/ and unjust for this company to accuse me of owing for this account Ive asked what address do they have on record and XXXX responded with your address XXXX XXXX i informed him that my address clearly pops up on my credit report that does not mean this account was taken out by me at this address, also informed him of XXXX XXXX XXXX paperless account info they have for customers. He then responded with the only amount he can receive from me at this time is {$4400.00}. I reminded him about the prior conversation where he stated on XX/XX/XXXX that as of XX/XX/XXXX this account should have been removed and was hung up on by Mr. XXXX # XXXX
06/15/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 27834	Web	Servicemember
just received a notice from A.F.N.I. debt collection from an old XXXX XXXX account that was fraudulent being misspent on female graduate student former employee 's their last count was around 5 different females the store owner was XXXX around with. after non-approriate action to close out account i the consumer had to cancel services with company after bill kept going up for no reason with the auto payment withdraw from checking account was being over-billed and after going to store to complain about the bill i was asked to leave and do not return all monies was receive and manager was satisfied with response on this timely manner situation. so, i left and started making payments in XXXX, n.c. and reached out to an employee their who was promoted to mgr position following her prmotion from XXXX site to XXXX and i explained too her what was going -on their at the XXXX site location, and she inform myself to turn in the devices that i had a contract with that was paid for at the XXXX site and inform the manager that an complaint would be filed for fraudulent overdraft withdrawal from my checking account, and now the store is closed, the women the manager was XXXX XXXX with are now managers in XXXX XXXX n.c. and XXXX XXXX s.c. and store managers in georgia as well. so, here i am complaining again for the 3rd time in 3yrs too close out account, this bill for {$1300.00} can go right back to the employee 's pocketing the money as well.
07/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29506	Web
XXXX has placed an account in collection associated with my name. On XX/XX/XXXX I attempted to gather information regarding this charge from both the collection agency ( AFNI INC. ) and XXXX. The information that was provided to me was that the charges we're regarding a account for XXXX XXXX that ended around XX/XX/XXXX per XXXX, while AFNI stated services ended in XX/XX/XXXX. I have informed XXXX and AFNI that I have never had a home security account with them and that the address for the service location was vacant starting XX/XX/XXXX pending sale of the home. I requested that the XXXX agent I first spoke with, provide me with a contract for the services and/or copy of the bill. I was not provide either information but rather a phone number to the collection agency that had already informed me to contact XXXX regarding the issue. I ask to speak to a supervisor and while on hold the call was terminated from there end. I have also request information from AFNI on the same date. I was only provide amount owed, date service ended, date it went to collection, and that it was my debt based on the fact it was associated with my name and social. Based on my records any services I had with XXXX were terminated on XX/XX/XXXX with a payment of {$150.00}, along with a final payment of {$60.00} on XX/XX/XXXX for remaining account balance. Neither company has provided me with enough information that verifies that I owe or own the account.
12/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76134	Web
XXXX lied to us and said there was no contract and it would be the same like the one we had : {$95.00} for first line and {$10.00} for second line, total bill would be {$150.00} like the one we had before. In fact, the bill was {$190.00} and we never agreed to pay that price. XXXX rep said there was no contract so we returned the phones to sprint because we knew we could n't afford $ XXXX/month and if we knew the phone was not us at the end, we would not agree. XXXX made it very difficult to return the phones. sprint customer service rep said we could return at the store and many stores said they are 3rd party stores and could n't accept it and I had to go to the original store located in XXXX XXXX, tx where we bought the phones to return them. we went to original sprint store located in XXXX, tx for XXXX8 times and they refused to accept. I asked them so what they were doing at the store and they said they only activated phone. Too tired of going back and forth to the store in XXXX when we do n't even live in XXXX, we shipped the phones back to XXXX ( with XXXX confirmation ) and it showed that they received the phones. Then XXXX sent my account to collections and reported negatively on my credit report since XXXX of this year. I sent many letters to XXXX and collection agencies and receive no response. This has affected negatively on my credit report and my employment background check for my job when I do n't owe the debt
04/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90712	Web
A member of my household received a letter from a debt collector, identified as Afni. The letter stated that {$1100.00} was owed to XXXX XXXX XXXX XXXX no address, and no date on letter ). Afni offered to settle the debt for {$600.00}, along with standard jargon about responding in 30 days. The letter was addressed to our residence, but the name of the member was misspelled. There are two key problems. 1 ) A person of that spelling does not live in this household. 2 ) The person whose name is similar to that name has never had an account with XXXX XXXX XXXX. An Internet search of similar issues suggests that this company has a history of attempting to collect debt on false accounts. There exists the possibility that someone may have opened an account in this false name, but there is no way for us to verify that possibility. Several websites suggested that calling Afni was ill-advised. Our household sent a written letter of dispute to Afni within 30 days of receiving the initial letter. Afni responded with a follow-up letter, stating that the account is verified, but offered no further evidence of when and how this debt may have accumulated. They again listed XXXX XXXX XXXX, but this time included an address of XXXX. XXXX XXXX, XXXX, TX, XXXX. An Internet search of this address revealed a XX/XX/XXXX entry for a company called XXXXXX/XX/XXXX Theft of Identity. This provides further evidence that this debt is not legitimate.
01/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33458	Web
I have a communication from AFNI regarding an attempt to collect {$23.00} of a {$47.00} debt. There is no information on the origin of the debt, how it was incurred or when. I have always paid XXXX in full and returned all of my equipment, however I have had many issues with them trying to bill me for non-existant services or equipment that they could not track. XXXX, I owe nothing to XXXX and they never tried to contact me regarding a debt. My forwarding information has been included at every place I have lived and I am currently a customer of XXXX with no issues and all bills paid. I believe that XXXX is trying to fraudulently pursue a debt that was improperly issued by their billing system or ANFI is just fraudulently trolling for money. It is interesting that XXXX engages a debt collector for a mystery {$47.00} when I am currently paying them ~ {$70.00} per month and have probably paid them over {$1000.00} in the last 2-3 years and they have never, ever contacted me about any debts. When they did contact me about debts in the past I disputed their authenticity as they were trying to get me to pay for equipment that was returned and they failed to track properly or trying to bill me for services I was receiving as part of a block purchase contract by my HOA. I can easily pay this amount, however I do not owe and the low amount strikes me as an attempt by XXXX and their debt collectors to shake me down for free money.
12/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28173	Web
In late XX/XX/XXXX, I went to the XXXX XXXX XXXX store located at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, in order to get two phones as I was replacing my personal cell and there was a special to get the 2nd phone at little to no cost. After being informed that I was not eligible to open a new account because another division of XXXX XXXX XXXX XXXX XXXX - said I owed them {$190.00}. The store manager got the clerical error resolved or so we thought but, at the end of the day I had gone across the street to XXXX and obtained two XXXX XXXX XXXX phones. My fiance and I had noticed that despite us not being XXXX XXXX XXXX customers we would see periodic collection attempts appear on my credit report for the {$190.00}. XXXX XXXX XXXX had told us both personally with store manager as witness that there wasn't any {$190.00} debt and each time the item was removed from my credit report once I filed a dispute. However, there continues to be collection attempts made and I had to file another dispute yesterday XX/XX/XXXX. This means that I have been the target of a campaign of harassment intending to use the power of a 50-60 point deduction on my XXXX score each time they do this. The most recent violator was ANFI which I found on my XXXX credit report on XX/XX/XXXX and has already been removed but I still suffer the hit to my credit score. I am asking the bureau to take action to stop this illegal and immoral harassment.
11/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 32539	Web	Servicemember
From XXXX or so of XX/XX/XXXX I had noticed on my XXXX XXXX XXXX bill that there were XXXX to XXXX extra lines added. I called and was put in touch with the Fraud department through XXXX XXXX XXXX. It was investigated and the lines were fraudulently added out of Louisiana. All charges erased/cleared. I receive calls and letters from ( XXXX ) XXXX XXXX XXXX about {$2200.00} being owed. I explain and they still say I owe this money. Then after another notice from ( XXXX ) XXXX they try and collect this same amount, I explain once again. Then I call XXXX back, they inform me once again I do not owe anything to them and to file a complaint with the FTC, in which I did in XX/XX/XXXX. Ref # XXXX I did not hear anything back untila notice from ( AFNI ) on XX/XX/XXXX trying collect his same amount from XXXX XXXX XXXX XXXX. I called AFNI myself and explained the dispute and the history of this ( mystery ) debt and that I had filed a complaint with the FTC on this and was doing so again today XX/XX/XXXX They transferred me to a XXXX XXXX who would work my dispute at # XXXX. In which I called and left a message concerning this FRAUD. I called the FTC today and they transferred me here to file this complaint. I am at my whits end dealing with the threats of collection, threats of damaging my outstanding credit on something that is not so, according to my carrier XXXX XXXX XXXX of whom I have been with for over 10 years.
07/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77346	Web	Servicemember
The below listed account has been removed from XXXX and XXXX. However, it has not been removed from XXXX. General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account NameAFNI, INC. Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusCollection account. {$1400.00} past due as of XX/XX/XXXX. Status UpdatedXX/XX/XXXX Balance {$1400.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$1400.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX I have disputed this account on-going as the account is not my account. I have requested the creditors to investigate the source of the payments that were made to the account as I have NOT ever made payment to such account. My banking statements can prove this. I have been with the same banking institute for over a decade. From XXXX and XXXX I was in the XXXX XXXX, XXXX, XXXX, and XXXX. I have two expired passport booklets that will reflect my travels as well as time-stamped photographs. Moreover, I have one domicile, in which I have resided since XXXX. There was no need for any of the amenities listed in the below accounts as all were in my spouses name and furthermore, being abroad, the below amenities were null ; there was no need for these. I am more than willing to provide the above documentation of my whereabouts. Regards, XXXX XXXX XXXX
06/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60426	Web
So i started by calling XXXX on XX/XX/2023 at XXXX to try to understand why a charge of {$430.00} is showing up on my Credit Report with the original creditor being XXXX when i finally got in touch with XXXX Customer Service Representative they look into my account that i had with them over 3 years ago they then proceeded to tell me that my account had been closed for multiple years and i had no charges pending for the amount of {$430.00} from XXXX and then began to tell me that the charges were coming from XXXX since XXXX and XXXX merged then proceeded to tell me that they would transfer me to XXXX because even though they are merged they still have separate departments so they transferred me to XXXX and i finally got in touch with a XXXX Representative they began to look into my XXXX account i also had over 3 years ago and proceeded to tell me that the account was closed 3 years ago and they have no pending or previous charges of {$430.00} and ended the conversation by telling me i should visit a XXXX store and to bring a bank statement showing the charges i proceeded to try to clarify that i wasnt charged the {$430.00} that it is showing up as a Debt Collection on my Credit Report and that it wont show up on my bank statement they continue to tell me to visit a XXXX location with a bank statement completely disregarding my explanation of it showing up as a Debit Collection on my Credit Report.
10/19/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	ID 832XX	Web
I would like to file a complaint against AFNI , Inc. for violating my rights listed in Fair Debt Collection Practices Act, 15 USC 1692g. I received a letter from AFNI on XX/XX/2018 that was dated for XX/XX/2018 regarding a debt with XXXX XXXX XXXX XXXX. I sent a dispute in response to this letter ; via certified mail, on XX/XX/2018. The letter was received and signed for on XX/XX/2018, by a XXXX XXXX. In my letter I disputed the debt, requested validation of the debt from their company, based on my rights, in reference to the Fair Debt Collection Practices Act, 15 USC 1692g. The debt is still showing on all three credit reports, and they have also stated the debt is valid in a dispute I made with XXXX on XX/XX/2018 after sending the request for validation. I sent all correspondence between AFNI, Inc. and I to XXXX, regarding this debt. Even though AFNI, Inc. had not provided me any information regarding the debt in question, AFNI, Inc. responded to XXXX that the debt was valid. I still had not received a response and the collection was still showing on my credit report on XX/XX/2018 so, I sent them another letter ; via certified mail, requesting removal of this debt from all collection agencies. This debt has not been removed from any of my three credit reports ; therefore, I would like to file a complaint against AFNI , Inc., for violating the Fair Debt Collection Practices Act, 15 USC 1692g.
09/14/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 303XX	Web
Delete Collections from AFNI from XX/XX/2022. Your company is in clear violation of the law under 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1692b Not state that such consumer owes any debt ; XXXX XXXX debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same. 15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Best Regards, XXXX XXXX
09/25/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TX 77018	Web
Date of loss : XXXX/XXXX/XXXX Total Damages : {$3200.00} On XXXX XXXX XXXX I was driving on a freeway name XXXX XXXX or XXXX East bound I aproached the intersection of XXXX and XXXX and stoped at a red light. I was in the second line wich was a either or opcion to continue straight or make a legal right hand turn. So when I had a green light to continue I began to make a right hand turn, as I was turning I saw a car go by me but by the time I stopped I felt that the car had swiped the right hand side of the service vehicle that I was driving. It was a individual that was not suppose to continue straight, because that was a right hand turn XXXX XXXX. When police arrived no parties were cited due to the lack of witnesses, the person that caused the accident is a customer of XXXX XXXX. This is the second time that they are making an illegal attempt to collect the amount shown above. There is no judgement from any court that make this legal of makes me liable for the damages. This company XXXX XXXX Department located at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX Phone ( XXXX XXXX XXXX Fax XXXX XXXX XXXX They are making treats of having my license suspended and garnishing from my bank account. I made contact with them and explained the details of the accident in wich I was involved and they refuse to acknowledge the fact that XXXX XXXX XXXX was the person who caused the accident.
04/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 718XX	Web
First, I never received any correspondence from AFNI , Inc., XXXX XXXX. A strong presumption of receipt applies when notice is sent by certified mail, because it creates actual evidence of delivery in the form of a receipt. XXXX XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX.XX/XX/XXXX ) ( emphasis added ). A weaker presumption arises where delivery is sent via regular mail, for which no receipt, or other proof of delivery, is generated. Id. In the absence of actual proof of delivery, receipt can be proven circumstantially by introducing evidence of business practices or office customs pertaining to mail. United States XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). This evidence may be in the form of a sworn statement. Id. at XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX.XX/XX/XXXX ) ( a sworn statement is credible evidence of mailing for the purposes of the mailbox rule. ). However, because the presumption is weak where proof of receipt is attempted solely by circumstantial evidence, we require the affiant to have personal knowledge of the procedures in place at the time of the mailing. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XX/XX/XXXX). The use of certified mail gets the benefit of the presumption only as long as the return receipt is presented. See, e.g., XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Az.XX/XX/XXXX ).
05/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 72223	Web
I recently submitted back towards the end of XX/XX/2020 early XX/XX/2020 a Identity theft affidavit ( # XXXX ) ( to XXXX, XXXX, and XXXX who was also included along with the affidavit ; a copy of my drivers license, social security card, and a recent copy of a utility bill. The Affidavit included specific detailed information relating to fraud related accounts due to identity theft which were XXXX XXXX # XXXX, XXXX XXXX # XXXX, AFNI # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX, and XXXX. XXXX and XXXX both failed to adhere to section 605b of blocking fraudulent information after being notified within 4 business days by a consumer. In addition XXXX failed to investigate my dispute by responding with report # XXXX for XX/XX/20 stating they are declining my request and would require a copy of an identity theft report, drivers license, and social security card which is THE SAME INFORMATION THAT I SENT TO XXXX WITH BOTH OF MY INITAL DISPUTES. This clearly violates section 609 and 611 of the Fair Credit Reporting Act and is a deliberate refusal to honor my request. Yet it has beyond 30 days and these fraudulent accounts still remain on my credit file which is against the FCRA guidelines. Due to the numerous violations these fraudulent related accounts should be removed immediately from my credit report from collectors as well as the bureaus.
04/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TN XXXXX	Web	Older American, Servicemember
I contacted XXXX to discontinue internet service on XXXX/XXXX/16. I was told at that time I had a credit balance of just over {$77.00} and would receive a check in approximately 4-6 weeks. I turned in equipment to the XXXX XXXX office in XXXX TN on XXXX/XXXX/16. When I asked the lady who I turned the equipment in to if I had any outstanding balance, she said I had a {$77.00} credit and should receive a check in 4-6 weeks. I was shocked when I received a call from Afni Inc on XXXX/XXXX/16 saying they were trying to collect a debt from XXXX for {$32.00}. i have contacted XXXX twice already to get an explanation of why my account was 1 ) turned over to a collection agency when I had been told through two different XXXX resources that I had a credit balance ; 2 ) had an autopay on my account so that any outstanding balance due on my account should be charged to the credit card I had set up and had used for an extended period of time while I had service with XXXX. This is the second time I have had issue with XXXX either charging for services not received or turning a balance over to a collection agency when either no debt was owed or any balance due was misrepresented by XXXX representatives. Neither of the XXXX representatives have responded as to why my autopay method was not used if there truly was an outstanding balance after I was told by two resources of having a credit balance.
03/28/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 752XX	Web
I received a letter from Afni , Inc in 2016 requesting payment for debt so I asked them in writing to provide me with a breakdown via USPS mail of what I allegedly owe as well as documents from account # XXXX with my signature agreeing to this account as I suspected fraud. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
10/23/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30223	Web	Servicemember
I received an alert on my credit that my score dropped 15 points. I checked my credit found company Afni Inc. located In XXXX IL. Ive never received any calls from this company or the original creditor which is XXXX. Debt is from 2014. Im not aware I had a balance with the original credit I do not feel like I owe a balance. I called Afni and told her was not notified she confirmed that no letters had been sent out. I informed her Im a Collector myself and Im aware of the fdcpa laws and this needs to be removed she said she will send a notification to the credit department to have it deleted since I was not notified. I explained to her I did not owe a balance asked her what was the charges she said did not have a breakdown of the charges because the debt is over 5 years old. Asked her how can they collect on something that they can not provide proof of what the debt is exactly for she said well if you give me your card number and pay this I can have it deleted told her Im not paying for something that she can not give me a breakdown of charges as to what Im charged for. She did tell me debt is from XX/XX/2014 and that she does she a payment made ok XX/XX/14 which was a large amount I asked was it for equipment because Ive returned all equipment she said like I said I cant give you that information. This has damaged my credit greatly and something needs to be done about it ASAP.
12/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 93041	Web
While moving out of my long time residence in XXXX, CA I began the process to cut off my services in XXXX of XXXX which included the phone, internet and XXXX, which were all included in a single bill. Initially the final date I relayed to XXXX XXXX XXXX was the XXXX of XXXX but because of delays in the move was extended to XX/XX/XXXX. Because XXXX ended up mistakenly cutting off the satellite service on the XXXX I had to call them directly to extend it to the XXXX. I left the house for the last time on XXXX XX/XX/XXXX and turn in all the equipment as required to the local XXXX office. Although I assumed all the services were ended properly I continued to get bills from XXXX ( not from XXXX XXXX XXXX ) so I called several times to rectify the mistake and finally sent a detailed escalation letter to them in XX/XX/XXXX. I felt at this point they finally realized their mistake and closed the bill but in XXXX of XXXX I then received a collection notice from Afni, Inc. for the disputed amount. I recently forwarded them a dispute letter along with other pertinent details of the situation. I have no idea why XXXX is unable to verify the fact I no longer lived at the XXXX residence, nor retained any of the receivers or remotes after the XXXX of XX/XX/XXXX. This should be an easy task on their end especially since I went above and beyond due diligence to work with them to correct this.
10/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33177	Web
On XX/XX/XXXX, I was a victim of identity fraud. Someone went into a XXXX and XXXX XXXX XXXX store and purchased 2 XXXX at both stores. I have an open XXXX account where I tried to stop the fraud, but was too late. I was able to consult with a XXXX representative the next day and the fraudulent phones and charges were removed. XXXX XXXX XXXX on the other hand has completely mishandled this situation. They do not allow you to speak with a human being, and are required to submit a form online. I submitted numerous forms ; only for XXXX XXXX XXXX to wrongfully deny and continue seeking the fraudulent debt. The {$2200.00} debt went into collections and was reported to the major credit reporting services earlier this year by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. I contact XXXX 's legal team on XX/XX/XXXX, demanding information to validate the debt, and/or demand the debt be considered fraud. On XX/XX/XXXX, XXXX XXXX counsel XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, responded that it placed the account in fraud status, and requested deleting of the derogatory tradelines appearing on my credit reports. In XX/XX/XXXX, XXXX XXXX XXXX again sent the fraudulent debt to collections with AFNI, XXXX, who also reported the debt to the major crediting reporting agencies. As a result, I was hit on the interest rate on the vehicle I purchased in XX/XX/XXXX. Damages will be demanded.
06/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76208	Web	Older American
XX/XX/XXXX I signed up for service with XXXX XXXX in XXXX XXXX, Florida. In XX/XX/XXXX, I left XXXX and moved to XXXX. There was no XXXX service where I moved. I had paid all my bills and returned all equipment. In XXXX, I began to receive bills charging a " cancellation fee '' of {$180.00}. Not remembering agreeing to any such fee, I contacted the company and asked them to please send me anything with my signature or initials that i had agreed to any " cancellation fee ''. They did not respond. I started receiving letters from collection agencies. I contacted them and told them the same thing : send me anything with my signature or initials that i had agreed to any such " fee '' and I would pay it. Nothing. Instead they reported me to the credit bureaus, I disputed the charge and it was immediately removed from my report. Now, today I recieved a letter from another collection agency : AFNI XXXX. XXXX XXXX XXXX, IL. XXXX, attempting to collect the same debt. I called, talked to rep named " XXXX '' and explained to debt was not owed unless they could produce and send me any document with my signature or initials agreeing to the debt. She argued with me for several minutes and I ended the call explaining that i did not owe the debt. I would like for XXXX and their agent to either supply me with signed documents proving the debt, in which case I will pay it or leave me alone.
12/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30043	Web	Older American
Invalid Debt was already disputed and removed from credit report. Debt validation letter sent out to first company that claimed debt was owed, XXXX never responded. XXXX came to my residence and offered XXXX phones in exchange for trading in my XXXX XXXX that I already owned. The price that XXXX XXXX XXXX presented was not the price that was discussed. I returned the XXXX XXXX and have proof along with documentation showing the sent back property. I also have emails corresponding with a supervisor about this problem. I have also not received my property that consists of a XXXX XXXX that has been Paid in full, I was promised my phone would be returned to me and no one has gotten back to me. The original Debt of {$1300.00} was disputed in XXXX XXXX XXXX was reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number for company is ( XXXX ) XXXX. Account that was reported on credit report was removed and then was placed back on credit report in XXXX XXXX XXXX for a dollar less for {$1300.00} by a different company by the name of AFNI, INC. their address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX and phone number is XXXX XXXX XXXX XXXX. Debt is being reported illegally and fraudulently. It is being reported as a duplicate account, with a different account number and a different amount for the second time. This reporting is in violation of the Fair credit reporting Act.
02/23/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33312	Web
I am consumer, fully insured individual, that has been harassed by XXXX and their abusive and unfair practices after extend my credit for in a consumer credit transaction for personal, family and household purposes. XXXX has breach their fiduciary duty and misrepresented my interested as security for the account used for phone service by several interruptions allegedly for nonpayment and harassing text messages alleging consumer owes a debt. I have sent dispute notices to XXXX regarding an alleged debt and XXXX has responded with generic letters as responses. XXXX sent a letter dated XX/XX/22 claiming to be entitled to report write-offs in effort to disgrace the consumer deliberate violation of consumer right of privacy in their refusal of exclusions of transactions or experiences via consumer reports furnished as defined under Fair Credit Reporting Act. XXXX has misrepresented the term Bureau as defined under FCRA in their letter to deceptively assume to role as credit reporting agency themselves. XXXX has in collusion with with Afni. Inc to represent their collection efforts. XXXX has been instructed cease and desist direct and indirect communication with consumer as XXXX has refused to comply with Fair Debt Collection Practices Act Verification of an alleged debt in a positive balance indicating per Fair Credit Billing Act and credit balance demanded as refund.
04/28/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 238XX	Web	Older American, Servicemember
Received notification to check credit report and found a bill from XXXX XXXX outsourced to Afni in the amount of {$1000.00}. It caused my credit score to drop 43 points. It is stating open XX/XX/XXXX. This is an account I know nothing about as I do not have cox communication where I live we can not even get cox in our area. We have been here since XX/XX/XXXX. I have not received any written correspondence about this bill at all to ascertain if it is for services rendered to my address. Prior to this address we were at another address for over three years. We did not have XXXX XXXX. Prior to the previous address we were in another state for 12 years and never had XXXX XXXX According to Virginia Fair Debt Collection : In Virginia, during the time period in which an account remains open, and no payment is made on the account, a collector has a statute of limitations of 3 years from the date of last payment or last charge for goods or services rendered on the account to file suit against a consumer. If a debt is based on a written contract ( non-Uniform Commercial Code ) the statute of limitation period is 5 years. " Protecting Consumers Rights : Debt Collection Laws - Virginia Statute of Limitations on Debt Collection. '' ( XXXX ). XXXX XXXX XXXX On my Credit Report it states : Account information disputed by consumer, meets FCRA requirements. Not sure what that means.
08/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 23238	Web
I received several bills in the mail regarding a XXXX late charge owed to sprint. XXXX was paid in full by my past bank XXXX in which I never authorized a final payment any how so not to sure why XXXX submitted a request for payment to my financial institution. When this all begin I attempted to pay in payments with XXXX was denied the option to do so. I then saw a submission to my bank at the time for 2134 I believe was the exact amount. I disputed with my bank advising I was not on auto pay with XXXX and has not given authorization for the final bill to come out of my bank account. XXXX attempted many times on different dates until XXXX allowed the payment to go through. XXXX placed me in debt stating that they authorized the payment as a courtesy, putting a client in debt for a non authorized charge isn't a courtesy. I called sprint and asked why was a XXXX late fee charged after they received the full payment from XXXX the online chat teammate advised they will waive the fee. Months and a year later im now getting harassed by a third party call afni which XXXX hired to collect on a XXXX late charge that should have not been on there. I need assistance with getting this matter resolved and of my credit. XXXX made a fraudulent action against me and it was not the way to treat a customer. When attempting to get the matter resolved I experienced long holds and hang ups.
09/21/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 349XX	Web
AFNI began correspondence with me XX/XX/XXXX regarding collections of {$130.00} for acct. # XXXX. In responding to their claim, we have been going back and forth regarding this matter with the latest letter from me dated XX/XX/XXXX. I have made countless requests asking for documented proof of an agreement between myself and their customer ; they were only able to provide my final bill. Dates of communication : XXXX XXXX - my response was XX/XX/XXXX AFNI XX/XX/XXXX mailed me a copy of my final bill- AFNI XX/XX/XXXX mailed a letter stating their verification of the acct with the customer- I responded XX/XX/XXXX AFNI XX/XX/XXXX mailed another letter stating their verification of the acct with their customer- I responded XX/XX/XXXX AFNI XX/XX/XXXX third letter stating their verification of the acct with their customer- I mailed a letter XX/XX/XXXX to both AFNI and Comcast regarding the standstill of possible resolution and their responsibility to provide due diligence to ensure accuracy of their claim. AFNI XX/XX/XXXX mailed the same form letter a fourth time stating verification of the acct.- I responded XX/XX/XXXX AFNI XX/XX/XXXX letter stating their previous investigation and how I have not provided any new facts to warrant a valid dispute.- I responded XX/XX/XXXX explaining my intention to file a complaint with CFPB and FTC. I have not received any response to date.
08/17/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48088	Web
I have retained new copies of my credit reports, and noticed that Afni did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which they signed for on XX/XX/2017, I have retained a copy of their signature and date of receipt, as well as a time-stamped copy of my credit reports, showing they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. The listed item is entirely inaccurate, and represents a very serious error in there reporting, also they have not presented me with my signature as proof of any contract with their company, as with many other consumers, we are pressured into paying collection agencies in order to maintain our good credit standings. This is a perfect example, as I was pressured to pay, as I didnt know what the Law was at the time, and in response to the threatening letter that I received. I have been in contact on numerous occasions, and they continue to be not responsive to my request to remove this entry from my report. My credit has suffered, with high interest rates, and recently rejected credit applications from banks because of this entry. Thank You
05/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 220XX	Web
I applied a credit card to a XXXX XXXX XXXX and they denied to me. Reference number : XXXX After careful review, we are unable to approve the XXXX XXXX XXXX XXXX you requested because you have current or past delinquency with one or more of your creditors. We received your report from : XXXX, please contact. I tried to contact experience three days consecutive and they did not pick up their phone. So, I used their website and I saw that in my credit report XXXX collection agency and they are : 1. AFNI , INC XXXX XXXX XXXX XXXX, IL XXXX Creditor : XXXX Account Number : XXXX I do n't have any account XXXX. I tried to contact AFNI, they do not pickup their phone and their number is XXXX. 2. XXXX Account number : XXXX creditor : My urgent care I got an accident and the company send me there, I thought that the company was paid what they charged to me. the money was {$220.00} and now they doubled and they do not contact me. 3. XXXX XXXX XXXX ; They contacted me and we agree a schedule to pay off the debt for fur payment ; I paid {$100.00} on XX/XX/2016.The other payments will be : XXXX, XXXX, XXXX XXXX, and XXXX XXXX, 2016. So, I want know that Why XXXX all the time they said my credit score is XXXX. I pay my bills on time and I do n't have any problem my credits.So, I want know that an XXXX why they decrease my credit score and denied the credit that I applied?
06/01/2015	Yes	Credit reporting	Credit monitoring or identity protection Billing dispute	NM 88011	Web
I switched cell phone service providers from XXXX to XXXX XXXX XXXX over a year ago. I asked to keep my XXXX number and XXXX XXXX XXXX processed that request. However, before they did that, they created a new phone number without my knowledge and put charges on it ( under my name ). I never knew those charges and phone number existed until I received a notice from a collection agency for non-payment of {$87.00}. In the meantime, I had been paying my bill as agreed and was not in arrears. I tried without success to speak with XXXX XXXX XXXX about this ; I 've been trying to resolve this for many months. At first I was told on the phone that the matter had been resolved, but apparently it was not, because I got another notice from AFNI, the credit collecting agency, a few months later. I now am having difficulty securing a good interest rate for a mortgage because of this derogatory report, which is NOT my fault but is adversely affecting me. I called AFNI who only told me that I could pay them or wait until the account went back to XXXX XXXX XXXX after they 'd had it a full six months. They said they 'd file a dispute but that it would n't 'stick. ' I have heard from the local XXXX XXXX XXXX store employees that this is not an uncommon issue - yet I am having to deal with this despite their knowledge that this is a problem for other people, too. Please help -
07/07/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30024	Web
Hello, I received mail yesterday ( XX/XX/XXXX ) from " Afni , Inc '', a debt collector company, regarding an owed bill from XXXX in the amount of {$650.00}. I immediately called XXXX, and upon calling the customer service number for XXXX, I was told that I have a balance of {$920.00} on my account. However, this is incorrect, and I am confused about this situation. I was a XXXX customer 2 years ago, but when I got divorced in XX/XX/XXXX, I returned all XXXX equipment and discontinued all services when I sold my house in XX/XX/XXXX. I moved to a new house in the same month of XX/XX/XXXX, and after moving, I never requested or continued XXXX service. However, XXXX still continued to charge me for service in my old house on my account. I don't owe XXXX any money. I called XXXX multiple times, and I explained my entire situation, but nobody was able to resolve this issue, and I was constantly transferred from person to person during the phone call. This issue hasn't been solved. During the call, they just expressed that they understand my situation and apologized to me, however nobody was able to fix my problem. This unfair situation due to a mistake on XXXXXXXX XXXX part is causing me a lot of distress, and I want to get to the bottom of this issue and have it taken care of immediately. Please get back to me on how you can resolve this, thank you.
07/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33311	Web
Re : AFNI, INC/XXXX Account # XXXX I am beyond exausted trying to resolve this matter I'm currently experiencing with XXXX. Due to this issue I have experience such a hard time in life with the harassing phone calls it's making me miserable as well as my kids. I have tried on numerous occasions to resolve the inaccurate information on my credit report but hey have completely ignore me however they've been calling my job, my friends, my neighbors, my husband and the camp where my children are enrolled which I don't know how they got the number to. They've called everyone in my life except my dog. This has brought on a lot of mental issues to the point I'm having difficulties all for an account I have no knowledge of. This is the last time I'm trying to resolve this issue for the inaccurate information. My attorney has advised me to sue, however I'm trying to resolve this before I have to take legal action. Should they not remove this inaccurate account off my report I will sue for deformation and financial injury. Under the FDCPA and FCRA I can sue for damages to which I know my rights. FDCPA section 809 this law allows me to sue under the same circumstances. I have demanded on several occasions for the cause to cease and desist and they've ignored it. Please assist me with working with this company to have this account removed from my credit report.
04/12/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AL 365XX	Web	Older American
AFNI a debt collection company located in Illinois reported a debt of XXXX dollars onto my sons credit AND ONTO MY CREDIT. My son XXXX reported them to the CFPB a month ago and AFNI responded and said the debt should have been taken off due to his bankruptcy. They took the debt off of his credit this past week. However the debt still remains on my credit and has not been taken off, In fact they reported it to my credit yet again after telling my son that the debt was not valid. In truth the debt did not belong to either my son or me, XXXX could not find any ( I said ANY ) evidence that the debt belonged to either I or my son. Despite what AFNI may say they have illegally reported this debt on both mine and at one time on my sons credit. I am demanding they take this off my credit ASAP. It had also better not roll back onto my sons credit. If this issue is not resolved in full that means the debt goes off my credit and my STAYS off of my sons credit they will be sued for damages. This company has a long track record of under handed tactics, I am no push over and I will not tolerate this game AFNI is playing with by my sons credit ( an expectant father ) and my credit ( a senior citizen ), I HAVE LIVED AT MY ADDRESS FOR OVER 20 YEARS. XXXX HAS NEVER BEEN AVAILABLE AT MY ADDRESS IN THOSE 20 YEARS. MY SON HAS AN ACTIVE XXXX ACCOUNT. HOW CAN WE OWE XXXX?
03/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 281XX	Web
I added my name with my son when he opened a XXXX account when he began living on his own in XX/XX/XXXX. He moved to a different location in XX/XX/XXXX and my name was removed from the account, per a XXXX XXXX representative, because he had now established a payment history with XXXX. My son got married and moved XX/XX/XXXX, however he states that his bill was current and turned in all equipment when he switched to a different carrier XX/XX/XXXX. In XXXX XX/XX/XXXX I get a letter stating my name was on this account. As i stated prior, this is not true, my name was removed from the account per XXXX when he moved his service to a different address in XX/XX/XXXX. In 7 years while my son continued service with XXXX, I never received a bill, a phone call for late payment or anything in this matter but when he cancels service, now i get a letter from a collection agency. Now this negative reporting in on my account that i have nothing to do with. I have called to talk with XXXX XXXX or should I say their collection agency ( I never had any contact directly from XXXX only the collection agency ) And I have remained and the same address and phone number for 31 years. We are unable to come upon a resolution. They state there was boxes not turned in?? I find this very troubling and almost fraudulent. Any help with be greatly appreciated. Thank you
07/22/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	KS 66061	Web
Today I received a notification on my credit there was a new derogatory account being reported by AFNI Inc for a missed payment in XX/XX/XXXX on a balance of {$200.00}. The account being reported did not give enough information to determine what this was -- and as a prior victim of identity theft -- I reached out to the company to determine what this was in regards to. Furthermore, the account is being reported as being opened on XX/XX/XXXX, and I my credit has been frozen since last year as a result of the identity theft -- I knew this could not be my account and I have not opened any new accounts since then. After speaking with XXXX of AFNI, she read a statement to me that AFNI could not sue me for this debt but mentioned they opened the account with their office on XX/XX/XXXX but the account was for a charge with XXXX XXXX on XX/XX/XXXX. Not only is this company attempting to collect incredibly old debts, they are doing so without contacting me first to allow me to dispute the debt. My information on my credit profile is up to date and in the event they were to mail me or call me ( same number since XXXX ) they would've been able to alert me of this before reporting this to the credit bureaus causing harm to my score. I want this removed from my credit report immediately as this is not in line with fair debt collection practices.
11/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43224	Web
I have an unverified account from originally XXXX XXXX XXXX # XXXX. I had previously disputed this account with XXXX XXXX XXXX they NEVER provided ANY form of Verification or Documentation and this account was deleted from my Credit report as a result.Somehow it was sold to AFNI # XXXX, ALTHOUGH IT WAS NEVER VERIFIED!!! I have never done business with AFNI Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AFNI # XXXX. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI Cease and Desist all further communications and collection actives and provide the verification of the purported debt. This debt has been bought and sold at lease 3 to 4 times already and I plan on suing AFNI if they sell this unverified debt to another collections agency!!!!
12/10/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 27612	Web	Older American
On XXXX/XXXX/XXXX, I spoke with XXXX at XXXX who switched my account to a different model for better pricing. I asked her at the time if there was any penalty if I had to cancel. She said no penalty as long as I was moving somewhere where there was no XXXX service. I moved from XXXX to XXXX, NC in late XXXX. I informed XXXX in XXXX that I would be moving and that the apartment I was moving to only gave me the option of XXXX. I gave them the address and phone number to verify. On XXXX XXXX, XXXX from XXXX indicated there would be no early termination penalty since I had no choice in the matter. Since then I have been harassed by two collection agencies. The first was XXXX XXXX, XXXX in XXXX, MO. The second is XXXX out of XXXX, IL. I wrote certified letters to XXXX executives at XXXX. I asked for proof either in writing or to get a copy of the recorded call with XXXX of the early termination charges. I was told by XXXX on XXXX XXXX, I would have to go to court to get this. I just received another letter from AFNI saying that they verified I had an account with XXXX. That is not the same as verifying that I owe the charges they claim. I want this harassment from XXXX and AFNI to stop IMMEDIATELY. They must provide in writing that I authorized these charges which they will not and can not do. Thank you for your assistance in this matter.
01/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91367	Web
I keep a close eye on my credit reports now since my car was broken into and all of my cards, checkbook, and my expired drivers license was stolen ( this was in XXXX of 2020 ). About a month later I notice a debt collection for {$260.00} on my credit report stating that I owed XXXX XXXX XXXX for some sort of service ( they would not answer as to what service when I called several times they also told me I have to give them an account number to receive any help, well seeing as how Ive never done business with XXXX XXXX XXXX, I have no such account number and was hung up on several times ) that I supposedly opened earlier that XXXX, I ended up having to dispute the collection with XXXX and the collection was later deleted from my account. I thought it was all done and handled, until I kept getting calls ( currently still receiving calls ) from a SECOND collection agency ( this time called AFNI ) about the same debt ( but apparently this same debt was opened in XXXX of 2020 ) and earlier this month the collection showed up on my credit drastically dropping my score ( AGAIN! ). This is beyond frustrating and I have gotten nowhere with this companys customer service or their fraud department. They claim they cant help me since I cant give them an account number, I DONT HAVE ONE BECAUSE I HAVE NEVER OPENED AN ACCOUNT WITH THEIR COMPANY!!
05/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85345	Web	Servicemember
I used XXXX XXXX for awhile, and it was a bundle for TV and Internet. The TV worked ok, but the internet was a total failure. After multiple service calls, each time, their technicians stated that the company 's cable in the street was old and worn out, unable to provide reliable internet. They also stated that the company is not willing to repair or replace the cables due to the expense. I cancelled both TV and the internet, since it was a bundle deal. They claimed I owed them a cancellation fee for internet they were unable to provide. I disputed the claim in writing, stated all the facts, and they continued to want a fee. They used a collection agency, and I disputed the debt with the credit agency, XXXX. XXXX found in my favor and removed the debt from my record. A short time later, the collection popped up again, this time under the name of a different company, AFNI. I disputed it again, and XXXX again, within a few minutes, found in my favor. I still get calls from AFNI, under different phone numbers. It seems that whenever XXXX is on the wrong side of a dispute, they just file a new credit collection under another name, trying to harass people into paying what they do not owe. XXXX breached the contract by failing to provide the service they promised, yet still think they can harass people to what they do not owe.
03/12/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30349	Web
I sent this collection agency a validation of account letter on XX/XX/19 trying to get information about the original creditors. I asked that they provide me with documentation showing the original creditors, account number, complete payment history. I also requested documentation showing that I agreed to pay the past due amount on this account, any agreements that were granted authorizing them to collect this alleged debt because Ive never had any written or verbal contract with this agency. The only information I was sent was original creditors address, account number, and balance. They didnt provide any clarification showing how this alleged debt was calculated or my responsibility for this account. I disputed the original creditors file on my credit report and when they couldnt provide me with the information asked for they were deleted from my credit report so they decided to give the alleged debt to this collection agency who like I said before Ive never had any sort of contract with to collect on something that they havent provided any accurate information about this alleged debt. This agency is continuously running this alleged debt every month on my credit report damaging my score which isnt fair because they have failed to provide me accurate information. Would someone please assist me in correcting this matter.
10/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	AZ 85050	Web
After reviewing my credit report I have found information, which needs to be corrected. I originally disputed a collection account from AFNI with Equifax because it was being reported as a collection with a balance. Following the laws of the FCRA it is unlawful for the account to show a derogatory status on my report due to the XXXX being discharged in my Chapter XXXX bankruptcy. AFNI changed the account to a XXXX balance, but continues to report it as a disputed account, which when run through credit algorithms still projects negatively and effects my credit rating and respectively the percent of interest I am charged for credit. I am requesting that the item be deleted to correct the information. I am also enclosing a copy of my discharge of debtor form following completion of my Chapter XXXX bankruptcy, discharged on XXXX XXXX, 2014. The original account AFNI was illegally attempting to collect on is as follows : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX Amount of dispute - {$240.00} Reference # XXXX Collection attempts on a discharged debt is a violation of the FCRA and a violation of the permanent injunction of my discharge. Thank you for your assistance with this matter. Here is the contact information for my bankruptcy lawyer : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX Fax : XXXX
08/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28079	Web	Servicemember
Early XX/XX/XXXX - I received a letter from a Collection Agency, XXXX claiming that I owed XXXX XXXX {$4500.00}. XX/XX/XXXX - I sent a certified letter to XXXX disputing the debt. I asked to see a signed contract and proof that the debt belonged to me. XX/XX/XXXX - My certified letter was received by XXXX. As of this complaint, I never received verification of the debt from XXXX or XXXX XXXX. XX/XX/XXXX - The debt was reported to all three credit bureaus as a collection. XX/XX/XXXX - I received a letter from XXXX XXXX XXXX XXXX XXXX Collection Agency. I disputed the debt with them and asked that they provide me with proof of debt. The XXXX stated that I needed to collect that from XXXX directly and they did not place the information on my reports. XX/XX/XXXX - I contacted XXXX XXXX to dispute the debt. The agent could not/would not provide me with a copy of the contract or any documentation to verify that the debt belongs to me. Instead, he directed me to contact the store where the transaction took place and wanted me to ask for security footage of who opened the account. XX/XX/XXXX - I contacted the XXXX store and asked the Representative to forward me a copy of the security camera footage to verify that it was not me. As of this complaint, I have never received any proof that this debt belongs to me.
05/15/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC XXXXX	Web
On XX/XX/2020, I received notification from my XXXX account that a collection agency by the name of AFNI, INC. added a collection account on my credit report in the amount of {$290.00}. I then called the number provided XXXX and spoke with XXXX. XXXX advised me that he is attempting to collect a debt from XXXX XXXX. I advised XXXX that he is the third collection agency representing XXXX XXXX for an account I never had with them. I explained that I have always used XXXX XXXX XXXX and then XXXX. I also advised that I never lived at XXXX XXXX XXXX XXXX and proceeded to list all my previous addresses. I informed XXXX that I had identity theft in the past and I need him to remove this from my credit report immediately. XXXX advised me to email XXXX. On the same day, I email the email address and attached my police report and my driver 's licensee. I have received no response from them. The account is still reporting the account. I want this to be removed and stop all collections on this account because it doesn't belong to me. This is the third time this has happened with this company. They NEVER NOTIFIED ME IN WRITING OF THIS DEBT. I ONLY SEEN WHEN IT REPORTED TO MY CREDIT REPORT. This has damaged my credit score. I dropped XXXX points because of this. Attached is my driver 's license and both of my police reports.
04/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	AZ 85032	Web
XXXX XXXX referred an account for collections, which I have disputed not only with XXXX but the collection agency AFNI. I had disputed this account via telephone with AFNI requesting validation of the said debt. I did receive a response which was a automated letter dated XXXX, please see attached. This communication received from AFNI gave no details, only they have verified with the creditor. I had sent my 1st dispute in writing requesting the information I had requested via the telephone. please see attached, item # 1. Item # 2 thru # 5 attachments is the response received from AFNI dated XXXX with the same automation letter only this time with 1 line " this letter serves as verification of the account '', along with a copy of the of the last statement from XXXX showing a credit for the current month but a " previous Balance '' and this is where my dispute is and has been, I have no knowledge of this " previous balance ''. The service was no longer in use and the equipment was hand-delivered to a XXXX store on XXXX XXXX. in XXXX, AZ for I had moved from the address XXXX services were installed at. Item # 6 my request once again for validation dated XXXX, I never received any response from AFNI after this. Now I just check my credit bureau and found AFNI has of XXXX has listed a derogatory rating to my report.
01/26/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60411	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are debt collectors attempting to collect a debt of {$15000.00} ( or any variations ) on behalf of XXXX XXXX XXXX I have not received any services from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I am not a party to their agreement with XXXX XXXX XXXX, I have not agreed to pay/ tender anything to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have not provided any releases of my private information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and I have no idea how XXXX XXXX XXXX XXXX XXXX XXXX XXXX obtained my private information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX are attempting to collect on an alleged debt that does not belong to me. This alleged debt was SOLD/TRANSFERRED to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to provide the accounting in accordance with G.A.A.P. XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to furnish a copy of the formal purchase agreement, and state the purchase amount for the alleged debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX failed to Furnish the name, address, and telephone number of the authorized representative that purchased this alleged debt. As per XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods.
12/04/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 652XX	Web
Received a notice in the mail for a massive debt. The debt said I owed XXXX the company a debt of over {$20000.00}. I have never had XXXX as a company, nor am I aware of any debt I have ever had for any reason with such a high amount, and the date the said XX/XX/XXXX doesn't ring a bell at all. So I responded to the debt letter with a request for verification, I did this through the USPS with certified mail with signature required so I know they received the letter as I only had 30 days to reply. The letter they sent said it was mailed XX/XX/XXXX, although I did not receive the letter until the XXXX of XXXX, so this left just a short amount of time to reply. Around XX/XX/XXXX I received my letter back saying it was refused, despite 3 attempts to deliver. I can only assume they do this on purpose to make sure no one can ask for validity within that first 30 days. I have my letter, proof they attempted to deliver the letter and proof they refused it. I couldn't send another letter and make it there within that first 30 days. The company name is Afni, Inc. The address I sent it to is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, IL XXXX The actual amount of this is supposed debt is {$20.00}, XXXX. I have included a copy of that letter on the upload area without signature since I printed it and signed then sent it.
10/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CO 80134	Web	Older American, Servicemember
I was using XXXX XXXX as my provider. At a point the recorder in my home would fill with unrequested shows preventing me from recording what I wanted to record. I called XXXX XXXX they sent out a XXXX and he worked for 3 hours and finally replaced the recorder. In about 3 days the new recorder did the same thing. I contacted XXXX XXXX and they said it was a software problem they would not come out and could not give an estimate on when it would be corrected. I told them if they could not supply the service I contracted from them, I would have their service replaced. I then got XXXX XXXX. After talking to XXXX XXXX again they sent me a refund for the partial month not used and said they would close the account. Several months later they started to attempt to collect {$230.00} from me. I sent them XXXX letters explaining they had previously sent me a refund and that they agreed they were not meeting the previous agreement. I told them if they wanted to collect the debt to please file a suit. Lately they have turned the account over to AFNI for collection. I wrote AFNI giving the same facts and asking for a suit be placed against me. AFNI has now placed this debt on my credit report with a very negative effect. I am requesting they either file a suit or remove the debt. Thank you for your assistance in this matter.
03/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 133XX	Web
This all started back in XXXX 2014. A collection agency, XXXX XXXX XXXX, reported to XXXX and claimed I owed XXXX from XXXX. I have not had XXXX service in several years. To ensure, I contacted XXXX and verified my acct was closed in good standing and was never sent to collections. They also confirmed my information was not used to open any accounts after my account was closed, which would theoretically rule out identity theft. I submit a dispute with XXXX and it gets removed almost immediately. Great! XXXX months later, I got to apply for something and get denied. Check credit report and a new collection agency by the name of XXXX has this so called debt now. I submit another dispute with TransUnion and after they went through their investigative process, they removed it as well because the Collection agency could not verify the debt. During the investigation, XXXX could not verify the debt and sold of the debt to a new collection agency, AFNI INC. That new collection agency is now looking to collect on this false debt. I am sure after I submit letter of verification, they will attempt to sell it off again. My concern is that I will be in this loop for ever. XXXX claims they can not do anything because every time it is sold to a new Collection agency, the acct numbers change. Is there anything I can do?
02/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95014	Web
I continued to receive collections letter due to a XXXX XXXX XXXX computer error. The claim was due to a computer error on the part of XXXX XXXX XXXX or possibly fraud ( I dont know ). About 3 years ago, I spoke to an XXXX XXXX XXXX consultant and I was told that this was resolved and indeed it was a computer error that occurred ( I switched carrier from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX continued to charge me after the switch ). I received collections letters ( numerous letters ). I am shocked to receive yet another collections letter re the same XXXX XXXX XXXX. Each time I call XXXX XXXX XXXX it's a time wasting exercise of talking to a ROBO voice person and spending no less than XXXX minutes to speak to a live person and then after that, XXXX to XXXX minutes to find me and the account. I have done this enough times to be extremely frustrated. I experience long wait time, cumbersome questions, often re-telling the story in entirety and speaking with someone who is not able to correct the problem. I am at my wits end. I don't know how to end the harassment letters from collections agencies. Out of principle, I don't want to pay for something which I don't owe. I ended yet another call with an XXXX XXXX XXXX representative who was dropped my call as he was trying to forward me to another department.
04/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NH 034XX	Web
I hired the service of my wife XXXX, XXXX XXXX. My attorney contacted AFNI twice and have yet received a response. This is what my attorney requested from AFNI : Agreement with your client, that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the al leged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. ; XXXX and address of alleged creditor. Name on flie of alleged debtor. Alleged account number. Address on file for alleged debtor : Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt Mas assigned or sold to collector. Complete. accounting of alleged debt ; I am attaching documentation that show proof that AFNI have received documentation from my attorney. AFNI is also not authorized to collect debt in the state of NH per this article ( also attached ) : XXXX If you follow the following link and enter AFNI, you will clearly see that AFNI is not authorized to collect debt in NH and are try to collect illegally. XXXX Before I sue I am giving AFNI the chance to do the right thing. I will not go away until this matter is resolved.
01/17/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ XXXXX	Web
This is a complaint from XXXX XXXX against AFNI for AFNIs failure to provide requested information for the debt alleged. AFNI has been attempting to collect on a debt that consumer does not recognize. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. On XX/XX/18, AFNI responded to this request providing only statements for the original account, but no chain of title or documentation showing proof of ownership. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
08/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MD 20879	Web
I pulled my XXXX credit report to find a debt of XXXX dollars the collection agency not XXXX never informed me that they were putting anything on my credit file. In XXXX XXXX I called XXXX to terminate my service with them. They charged my bank card XXXX dollars which was with XXXX XXXX XXXX XXXX. Then I called direct tv to ask them why they stated at the time it was for an early termination fee. I informed them I was under no contract with them. They stayed yes I was for two years, I asked them to provide the contract and they said that they did n't have the contract but I was under contract when I upgraded my satelite equipment. I returned the equipment via mail and then disputed the charge with my bank. XXXX XXXX XXXX XXXX reversed the charges. I thought I was now done with this, but I pulled my credit report in XXXX XXXX I noticed a collection from Afni which was a collection agency for XXXX, they had first reported it in XXXX XXXX. Afni nor XXXX never informed me that they were reporting anything to the credit bureaus. I called them in XXXX and was told the report was for XXXX dollars, and said that it was an early termination fee, unpaid service and missing equipment. My service balance was XXXX in XXXX XXXX. In addition as was previously mentioned, I returned the equipment and was under no contract.
11/17/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29170	Web
On XX/XX/XXXX I was contacted by a rep for AFNI collections agency, I was told I owed a debt I told her that I didn't owe the debt on behalf of XXXX low income because I contacted them because I was moving urgently for safety reasons, the rep at XXXX on XX/XX/XXXX told me the service wasn't available in the area I was moving to. I told him well I don't need the service because the move had taking place. Any utilities at this service address was off no later than XX/XX/XXXX so this service should of been turned of completely, which shouldn't of gone into another month of billing. The rep at AFNI took the tone as I told her this as if I refused I told her I like the steps to dispute she got mad and said she was going to report it on my credit and tell XXXX not to service me again and hang up on me. I called back that day to speak with a supervisor in which I left a detailed message and online request form for dispute with my account # I haven't received any response back. This seems to be a malicious attempt to harm my credit based on the reps actions for a minor amount. I received no notices outside of the most recent AFNI because my mail was being obstructed. AFNi was calling but never left messages so on the day in question I picked up to be upset by the manner in which the rep handled my call or didn't.
11/12/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 95821	Web
AFNI Inc, they did not send any written communication to inform me of this debt before they added it over and over again to my credit report. I have never done business with this company and was unaware of any debt I have or had with this office. I request legal proof of this debt and for AFNI to cease reporting the same debt over and over again to the credit bureau. I have a government issued Identity protection that alerted me on XXXX/XXXX/XXXX that Afni, Inc added XXXX to my XXXX report. I also received an alert today XXXX/XXXX/XXXX that it was again reported to XXXX. I have another credit monitoring company through XXXX that alerted me that this debt was reported to XXXX also on XXXX/XXXX/XXXX still without proof of debt owed. Lastly, there is another creditor named XXXX XXXX that is reporting the exact same debt ( just a dollar off ). AFNI, inc has also re-aged this debt to look like a new debt everytime they report it. My credit score is taking major hits from these fraudulent recovery activities. I will be in touch with OPM credit monitoring as well as XXXX to report this fraud if they do not cease and desist their efforts to ruin my credit. I have also contacted a lawyer who is willing to take my case due to the proof I have for fraud. This is my last attempt to get them to stop or else!
07/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NM 87114	Web
I paid my last bill with XXXX XXXX on XXXX/XXXX/2013, and that paid for my internet services up until XXXX/XXXX/2013. About a week later ( the week of XXXX XXXX ) I called to cancel my services. The representative asked if I wanted a refund or use the services I paid for up until XXXX/XXXX/2013. I chose to use what I paid for. So at midnight on the night of XXXX/XXXX/2013, they were cancelled. A month later in XXXX, they sent me a full bill for internet with charges for a full month of services with them ( XXXX XXXX ) and a bill for XXXX XXXX. XXXX I had bundled with XXXX, but cancelled the XXXX services in XXXX 2013 and received a refund for the prorated amount. I called to let them know I had already cancelled both services, paid all that I owed, and even got a pro rated refund for the XXXX XXXX XXXX I had n't had since XXXX, but XXXX refused to clear the extra bill. They sent me to collections, I disputed it and it was taken off my credit report. Now that I 've applied for a mortgage and got a copy of my credit report, I see that they re filed the bill through XXXX different collections agencies at the beginning of this year, but I was never notified of this. Looking at the report, it looks like the XXXX company is called, " XXXX '' and the XXXX is called, " AFNI '' which I have never even heard of.
12/22/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34787	Web
I have been more involved on what 's being reported n my credit report. I signed up for XXXX and XXXX XXXX and noticed that there were a few collections on my report that I was not aware of. I called the original creditor which was XXXX XXXX XXXX XXXX and spoke to a rep. I provided my information the rep and informed her that XXXX XXXX XXXX is reporting me to a collection agency stating that I had service with them. I provided the rep with additional information to search for tis account that 's in collections and the rep provided me with an address that I have never resided at. I informed the rep that I have a fraud alert on my credit report due to my identity being used before which the rep noted on this fraudulent account she pulled up. I thought that would have resolved the issue, but it was still being reported on my credit report. I then disputed online to the collections agency who is reporting me in which after the investigation the results was that the debt was valid. I reached out to them numerous of time asking for proof, or documentations with my signature but they were unable to provide me with that information. I have never lived at the address that was reported on that account, I have also never agreed to this fraudulent debt being mine, and never owned any debt to XXXX XXXX XXXX
02/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MN 55434	Web	Servicemember
I filled out a complaint on XX/XX/2016 about a collection notice I received from AFNI, XXXX On a debt from Century Link for {$82.00} and today I spent the next 3 hours on the phone with XXXX after the collection company told me that XXXX recalled the debt. Once again I was unable to verify the debt with XXXX XXXX in that amount. I spoke with XXXX different customer service reps from billing to credit and collections. NONE was able to tell me how or where this amount came from. Yet it 's been almost 2 years and this debt has been reported to all XXXX credit reporting agencies. I have tried and failed to verify this debt with the original creditor and collection agency. Neither has been very helpful other then they would be happy to clear this up after I paid them this amount. Again I would be happy to pay if I could verify the debt and when I was billed for it. Further more my XXXX XXXX account is paid via auto bill pay and once again I was told by XXXX XXXX that my account is current and show NO outstanding balance. They looked up my account using my name, account number, home phone number my wife 's name and finally my social security number all showing I do n't have any debt in said amount. So once again I got nowhere with this issue and I still have this debt being report on my credit score.
08/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 770XX	Web	Servicemember
When I left XXXX XXXX XXXX cable and phone service, all they wanted was their equipment so they would n't have to put it on my credit report. I gave XXXX XXXX XXXX all their equipment cable boxes, wires, and etc ... I ask them was we in good standards and they said yes. I check my credit report back in XXXX of 2016 and notice I had a debt from a collection company call AFNI on behalf of XXXX XXXX XXXX. I disputed the debt with all XXXX Credit Bureau and AFNI refuse to remove this debt off my credit report, their reason was XXXX XXXX XXXX said I owed the debt, but AFNI could n't prove it. I called AFNI on XXXX XXXX, 2016 and explained my situation, AFNI said yes we have received a couple of dispute from all XXXX Credit Bureau, but XXXX XXXX XXXX wo n't respond to your dispute or provide any proof since XXXX of 2016 we have not gotten any answers from them. Basically AFNI has been lying to all XXXX Credit Bureau saying they made contact with XXXX XXXX XXXX, which they have not. AFNI is a very dishonest company, from my understand if a company do n't make contact with in 30 days in a written statement or showing proof, the debt should be removed, it has been 4 months. My contract was with XXXX XXXX XXXX not AFNI which is a very dishonest collection company. I need removed off my credit ASAP ...
02/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84015	Web
AFNI collections is reporting an errenous collection on my credit. I recently checked my credit and noticed this debt reporting. I called immediatley and settled the debt. I was completely unaware about any debts because I never received calls or notices regarding this debt. This violates my 30 day right to dispute this account must be removed from my credit file This has been paid and settled. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
04/30/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33573	Web
When I lived in Georgia during the beginning of the pandemic, I rented from a place called XXXX XXXX XXXX. This was a dangerous place to live, but I always made our payments. HOWEVER, a water line leading to my apartment building bursted and water continued to flood for over a week. This SKYROCKETED my utility payments and my water bill went up ENORMOUSLY. I talked to the city about being reimbursed but they told me that while they would come out to fix the line, it is still the responsibility of the apartment management team to reimburse me, as this happened on THEIR property. The management team FAILED to fix this issue in good time, knew I had huge water bills I now had to pay through no fault of my own, and REFUSED to reimburse me for these hundreds and hundreds of dollars. I attempted to take them to civil court but was unable to. Frustrated, and without any help or financial assistance, I ended my lease early to escape that horrible, abusive environment. Despite never once helping me in an issue THEY were responsible for, they still demanded final month 's rent. I will not pay this until they are finally willing to reimburse me for the money owed due to the water leak. Fair is fair, and I hope whoever is reading this understands how companies exploit poor people like me. Thank you.
07/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33025	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Tel : ( XXXX ) XXXX Email : XXXX SS : XXXX Dated : XX/XX/2020 To Whom it May Concern : On XX/XX/2020, I received notification from XXXX, XXXX and TXXXX regarding a collection matter. I immediately open my credit file and saw that Afni place {$360.00} collection on my credit report reducing my score by 26 points. I have struggled very hard to pay my bills on time and as a result of Afni my credit score falls to shambles. I immediately called Afni and notify Afni what had happen and that Dept was a fraudulent Dept with XXXX. Afni bought a fraud Dept from XXXX not knowing the history and used that fraudulent Dept to cause severe damage to my credit report which will not allow me to get credit, or get credit at a higher interest rate and have banks reduce my credit limit. Afni is responsible for the damages done to my credit report and Afni needs to get this matter resolved immediately. Under the fair credit Act Afni violated the FDCA. I believe under this violation I am entitled to collect {$1000.00} in statutory damages. I was in the process of buying a home and because of the damages by Afni, I will not be able to buy a home for my family. Afni contact information is XXXX address XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Very truly, XXXX XXXX
10/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web	Servicemember
AFNI collection company has placed a collection on my credit reports that I do not owe. The original fault belongs to XXXX XXXX XXXX. The amount is for {$240.00} and originated from a false claim for monies due in XXXX, XXXX but was placed on my credit report on XX/XX/XXXX. In XXXX of XXXX, we switched our cellular service from XXXX XXXX XXXX to XXXX. I paid the amount due at that time and was told the account was closed and that there would be no more charges due. A month later I received a bill from XXXX XXXX XXXX for another month of service. I called them and they agreed that they saw notes where I had closed my account and paid in full and it should not have had charges after that. The representative told me she couldnt remove the charges but would have their billing dept remove it. A month later we got another bill for the same amount. I called again. This rep also told me it wasnt owed but it would have to be sent to the billing department to have it removed and that it would be no problem. I never received another bill and assumed it was taken care of. Two years later they addd it as a collection, via AFNI, on my credit report. I do not owe this bill. I believe they were angry I switched to XXXX and charges out another month and just expected people will pay it to get out of it.
01/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 43606	Web
I resolved a debt with my XXXX XXXX XXXX XXXX XXXX XXXX with XXXX. I attempted to contact XXXX XXXX XXXX directly regarding the issue but the call was disconnected and I did not hear back from them. I began to receive calls from AFNI. On XX/XX/XXXX, I spoke with a representative and informed him that I had a letter from XXXX advising that the debt was paid. The collections agent told me that XXXX must not have told XXXX XXXX XXXX that the debt was not paid and it was transferred to AFNI, and that they had another situation like that with XXXX just before contacting me. They provided me with an email address to email me the letter to and that they would send it to XXXX XXXX XXXX and clear the debt. The email address is XXXX On XX/XX/XXXX - XXXX from AFNI called me to collect the debt, and I explained to him that I sent the letter. He apologized and asked for me to resend it. I did so, and did not hear back. On XXXX- I received a call from AFNI again and the gentleman was very aggressive and abrasive. He told me that I owed the debt, and I attempted to explain that the debt was paid. He told me that the debt was not paid and that I owe the money. I told him that I sent two emails per AFNI 's instructions and he told me that I did not. I am providing proof of the emails attached.
05/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43206	Web
AFNI # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with AFNI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt AFNI purport I owe. I request that AFNI Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI Cease and Desist all further communications and collection actives and provide the verification of the purported debtNothing in this section relieves a collection agency from complying with the " Fair Debt Collection Practices Act, '' 91 Stat. 874 ( XX/XX/XXXX ), 15 U.S.C. XX/XX/XXXX, as amended, or deprives any debtor of the right to assert defenses as provided in section XXXX of the Revised Code and XXXX XXXX XXXX, as amended..The account Number # XXXX
03/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OH 432XX	Web
To Whom It May Concern, The reason for my dispute is AFNI XXXX XXXXwas required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, AFNI failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationAFNI is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where AFNI is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.AFNI has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
01/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 319XX	Web
On XX/XX/2016, this debt for {$1500.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
10/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 190XX	Web
on XX/XX/XXXX I received via Postal mail 4 letters, AFNI Account Reference Below : Account reference # XXXX. XXXX # XXXX. XXXX # XXXX. XXXX # XXXX. XXXX addressed too my personal name, by a 3rd Party Collection Company named AFNI, I called and spoke with 2 people who put me on hold then I was left to leave a message, then it hung up. I previously 4 years prior spoke with the Company claiming a debt, they couldn't verify what was purchased but said I received a product, and they finance it ... prior to this I had on record had my identity stolen, several accounts of credit opened up in my name, I did not authorize ... I have since put fraud protection on my credit file and had all 3 major credit reporting agencies updated, the company Affirm the alleged debtor, has expired the time allowed to collect, PA law is 2 years has been over 5 since prior contact, and in prior communication was alerted in XXXX that I did not purchase and was sent a fraud package, since then I had not heard from them. AFNI is not a recognized party, and I demanded they cease and desist in accordance with fair credit reporting act law. AFNI hung up both times and did not allow me to dispute, nor can I send a Cease and desist notice to their P.O.Box address, I need a physical address to do so!!!!
08/04/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30134	Web
On XX/XX/2016, this debt for {$1500.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
06/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
On XX/XX/2017, this debt for {$340.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
12/22/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34787	Web
I have been more involved on what 's being reported n my credit report. I signed up for XXXX and XXXX XXXX and noticed that there were a few collections on my report that I was not aware of. I called the original creditor which was XXXX and spoke to a rep. I provided my information the rep and informed her that XXXX is reporting me to a collection agency stating that I had service with them. I provided the rep with additional information to search for tis account that 's in collections and the rep provided me with an address that I have never resided at. I informed the rep that I have a fraud alert on my credit report due to my identity being used before which the rep noted on this fraudulent account she pulled up. I thought that would have resolved the issue, but it was still being reported on my credit report. I then disputed online to the collections agency who is reporting me in which after the investigation the results was that the debt was valid. I reached out to them numerous of time asking for proof, or documentations with my signature but they were unable to provide me with that information. I have never lived at the address that was reported on that account, I have also never agreed to this fraudulent debt being mine, and never owned any debt to XXXX
04/19/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
AFNI is reporting a collection/charge-off account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with AFNI. I have never received any correspondence from AFNI stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement & proof that AFNI owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. AFNI is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure AFNI understands the importance of properly investigating my concern. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in AFNI 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.
11/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48174	Web
This company is acting as a debt collector, and I do not recall giving them permission to contact me ( which they have NOT ) But, under more scurinty they have placed this public debt on my records to XXXX and degrade my character as if I do not pay debts owed to me. I request for admissions XXXX. The original wet blue ink contract with this XXXX. Consent I have given to you to contact me and put this alleged debt on a public record? XXXX where do private people have public debt? XXXX. What law says that private people are debtors XXXX. Do you operate under Title 12? I am a private living soul, discharged from my mother 's waters and I know private people can not have public debt, so there is nothing to. There's nothing to " discharge '' or to discharge with. This alleged debt, is causing an interference with my pursuit to enjoyment of livelihood refraining me from access to housing for my child, therefore interfering with my children 's well life and pursuit of happiness. If by any chance you can not answer all questions, that would be deemed as incomplete, and result in admission and default to the solution offered. If unanswered I will move forward with the filings of a 42 USC 1983 suit. WITH MUCH LOVE, WITHOUT RECOURSE WITHOUT PREJUDICE
08/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KY XXXXX	Web
I have received a second debt collection letter from a second collection agency for an outstanding bill from XXXX. I have never had any service or product from XXXX, and XXXX has never provided service in my state of residence. The latest collection letter from Afni , Inc. is dated XX/XX/2018 for an unpaid bill of {$850.00}, offering a settlement amount of {$550.00}, and also threatening to report this debt to credit bureaus, if not paid in full. I have called Afni, today XX/XX/2018 to inform them that I do not owe money to XXXX, and have never had any type of interaction or service with this company. In speaking with a representative, I was told that the original bill was incurred at an address in Florida, a state of which I have never resided or visited. My main concern is that this is the second collection letter, which I have received for a bill with XXXX, and wanting for these letters to cease. I am a senior citizen, and believe that I am being targeted with these types of letters demanding money, and with threats of having my information sent to credit bureau agencies, which will further ruin my credit. I plan on sending a letter to XXXX to insist that, they discontinue using my name and current addresses as a tool to collect unpaid debts.
02/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	LA 705XX	Web
I received a letter in the mail stating that I owed XXXX {$810.00}. The account is under my married name is XXXX. I am divorced and went back to my maiden name which is XXXX. I asked the representative to give me information about the account. She verbally told me the dates of service, name on account, address, and phone number. I asked for validity of the account to be sent to me. The representative stated that she would send the documents for validity and that I would have to fill out documents for an Identity theft victims complaint and affidavit form. I only received the Identity theft victims complaint and affidavit form. I called Afni ( the collection agency ) this evening and I was told a different story about the validity of the collection. I asked for an extension on filing out the Identity theft form and I was told she did not know how to request that but she would document it in the notes. I expressed that I was not paying a bill from XX/XX/2012 that I do not recall and that is why I am requesting validity. She said she would document the statement. This Identity theft form wants me to put a fraud alert on my credit files and file a police report. I am not willing to do this especially when I do not even know anything about this bill.
11/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 949XX	Web
I received a collection notice from afni, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX about a debt collection for creditor : XXXX XXXX XXXX XXXX dated XX/XX/2018, the amount of {$480.00}. My wife called both companies on my behalf because I am out of town and this needs urgent attention. She spoke to the fraud department of XXXX XXXX XXXX and explained the situation that I am being billed for the services I never ordered from XXXX XXXX XXXX. In fact, this is the second time afni colleciton company sent me a bill, the first one was last year about XXXX XXXX. This time is XXXX XXXX XXXX XXXX of which XXXX XXXX is also subsidiary. According to XXXX XXXX XXXX staff my wife spoke to, the user was from XXXX, XXXX, Michigan. There is no street name XXXX in my XXXX research. Both XXXX XXXX XXXX and afni refused to provide the street number. XXXX XXXX XXXX acknowledged that there is a fraud on this bill. The bill was sent to my address in California. My last four digit number was being used as well. I believe this is an extortion on part of afni and XXXX XXXX XXXX knowing my address in California should already make XXXX XXXX XXXX knows that the user is from XXXX, MI and yet it sent the collection notice to me at my address in California.
12/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45342	Web	Older American, Servicemember
In early 2021 I attempted to update my smart phone service with XXXX XXXX XXXX online. I requested a new phone and new service. The following day I received an email saying my credit card purchase was declined. I called the credit card company and found out that because of two back-to-back purchases the transactions were declined. I then called XXXX XXXX XXXX to discuss the issue. Somehow the representative from XXXX XXXX XXXX initiated a new purchase and also processed the one that was declined at first. When I became aware of this, I contacted XXXX XXXX XXXX and cancelled both transactions. I had to repeatedly call XXXX XXXX XXXX to stop these purchases but got the now two ( 2 ) phones and services. I returned the phones and called XXXX XXXX XXXX again and thought the problem was resolved. It wasn't. I went with XXXX. I have had to give three ( 3 ) different debt collection agencies proof of that I do not owe this debt and I have another one calling me every day, sometimes three ( 3 ) times a day. Be advised that I cancelled the phones/services with XXXX XXXX XXXX XXXXithin the fourteen-day period ( 14 ) period as was contractually agreed upon. I have recordings of my calls with XXXX XXXX XXXX detailing my attempts to rectify the problem.
03/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77380	Web
XXXX XXXX says I owe them XXXX dollars. XXXX sold/placed this " debt '' with a collection company called AFNI. AFNI placed this collection on my XXXX credit report. I have sent 4 certified mail letters to AFNI regarding this collection and I have requested XXXX investigate twice. no luck ... I don't think they even bothered to check. according to the collection this account went delinquent in XX/XX/XXXX. I haven't lived in a state that had XXXX service since XX/XX/XXXX. ALL THEY NEED TO DO IS LOOK AT THE NAME OF THE PERSON WHO PAID THE BILLS BETWEEN XX/XX/XXXX-XX/XX/XXXX ON THAT ACCOUNT and they would quickly realize it isn't me and they would know the responsible party. I did open a cox account when I lived in corporate housing for a couple of years and had the name of the account changed to Assaf at some point between XX/XX/XXXX-XX/XX/XXXX. The only address that I lived at was XXXX XXXX XXXX XXXX XXXX OK XXXX and Im pretty sure that XXXX is saying I moved. So my point here is ... if the service were in my name wouldn't I have had to authorize moving it to a different address? even though obviously like I said before it shouldn't have been. THIS ISN'T MY BILL and I would have never let it go to collections if I had ANY idea it existed.
07/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85248	Web
First let me state this. I do not owe XXXX anything I have never used XXXX services and I do not live in XXXX TN nor have I EVER. A quick check of my record will show I have lived in XXXX, AZ at the same address for the past 9 years ( XXXX to present ). Apparently someone used my social security number and the name XXXX XXXX to establish services at XXXX XXXX XXXX XXXX, XXXX TN. I got the address from an AFNI telephone call and a representative named XXXX. My name is XXXX not XXXX, but apparently XXXX is not smart enough to know that XXXX is not the name attached to my social security number. From AFNI I was able to get that this XXXX person had service from XXXX of XXXX until XXXX of XXXX. I have attached XXXX AZ utility bills for the period in question showing that I lived in XXXX, AZ and not XXXX, TN. XXXX apparently tried ( again ) to collect a {$230.00} debt from XXXX which I seem to have to deal with every year in XXXX. Every year I go through this and a different collection agency. This time, I have tried to work with XXXX, AFNI, XXXX XXXX with no results. Only instructions to do this or that and from them I was given wrong URL addresses and telephone numbers. I am fed up with the XXXX run-around. The company should be sanctioned.
09/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 757XX	Web
In 2012 I helped my son obtain XXXX XXXX by using my credit card because it was required and he did not have one. Thereafter, he let the account get in arrears and so it was charged to my credit card. I notified my son of this and he took all of the equipment which belonged to XXXX XXXX to the XXXX XXXX in XXXX, Texas and paid the bill and XXXX XXXX took the charges off my credit card and I then closed the credit card. Then later my son decided to keep the services of XXXX without any help from me or use of my name or credit. Then once again he got into arrears with XXXX and moved away without paying the bill which had nothing to do with me. He was residing at XXXX XXXX XXXX XXXX in XXXX, Texas. Now, XXXX XXXX has hired a collection agency to collect his debt from me and when I would not pay, they put it on my credit report and showed that I lived at the XXXX XXXX address where I have never lived. This is not my debt and I have filed a dispute with XXXX only to have my dispute denied and the debt left on my credit report. This is very maddening because as I say, I have never used the services of XXXX nor have I ever lived at XXXX XXXX XXXX where the services were provided. Please do your best to rectify this outrageous matter. Thank you.
09/12/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 31313	Web
On XXXX XXXX XXXX I sent a letter to this collection agency referencing an alleged debt in the amount of {$490.00}. I sent specific request for verification of the alleged debt they said I owed. The Collection agency returned a statement showing the alleged account was opened in XXXX. I have no such knowledge of ever opening any account with alleged creditor or collection agency. I also sent written request for collection agency to provide documentation of : signed contract by me of the alleged account, verification from original creditor of date of initial and last payment of alleged debt, documentation collection agency purchased the alleged debt from original creditor to include a copy of agreement and or contract. The written request from me to the collection agency clearly communicated supporting documentation needed to support their claim. The requested documentation was not returned. This is why I am requesting the assistance of the Consumer Finance Protection Bureau. A fair resolution to this issue calls for the collection agency to either provide the requested documentation in it 's entirety to valid the alleged debt or, to immediately remove the item reported to all three Credit Reporting Agencies : XXXX, XXXX and XXXX.
03/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	NY 11735	Web
I am applying for a mortgage. I received a credit report on XX/XX/22 with an adverse item on it - a {$1600.00} XXXX defaulted balance. I have NEVER used XXXX for any reason. The item was reported by AFNI Collection Agency. Phone XXXX. They told me it was an XXXX cell account number with an address in NJ. I told them I have never lived in NJ, and did not have such an account. AFNI said they would send me a fraud reporting kit and if I returned it within 10 days, they would clear the report to the credit bureaus. I never received this fraud kit. I called several times, was told about 10 days later that they mailed the kit to the FRAUDULENT address. I told them I had already provided my correct address, and did so again. They said they were mailing a replacement. It is now 3 weeks later. I've received nothing. I then contacted XXXX Customer Service fraud reporting phone number directly. They have a recording saying they are too busy to speak to anyone, but to report online. I did. I received an email saying I would get a response in 5 days. I have received NOTHING. I have called XXXX repeatedly, asked to speak to a supervisor, the legal department, etc... It is impossible to get a response. I get forwarded to the same recorded message.
01/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 628XX	Web
First of all, we were not aware of this debt. This was a landline phone at a rental property and XXXX XXXX XXXX did not get the bill correctly mailed so that we could pay it. They just turned it over to a collection agency which is whom I have the biggest complaint with. After applying and being denied for credit, I discovered that this was on my credit report. I immediately called XXXX XXXX XXXX that said to call AFNI and pay with them since it had already been turned over. I stated that I wanted it removed. XXXX said if after calling AFNI I didnt get resolution to call them back and they would pull the account back and I could work with them. I called AFNI on XXXX/XXXX/16 and explained what I needed, she said she would gladly take the payment and then I could have this removed. After being denied once again for credit on XXXX/XXXX/16, I found out that the debt was still showing in collection and still being reported even though I had paid in full on XXXX/XXXX/16. I then called AFNI and was treated so rudely. The gentleman basically said I was a liar - that they werent going to remove anything. I have never seen such horrible customer service to someone who is obviously distraught over losing a mortgage loan over a {$100.00} debt.
01/28/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32068	Web
To Whom It May Concern : This letter is in response to the letter I received from you on XX/XX/2017 a copy of which is attached herein. This is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is hereby disputed and validation is requested. Please provide me with the following showing that I have a legal obligation to pay you : 1. Identity of the original creditor 2. An explanation of how the balance of the alleged debt was calculated XXXX. A copy of any agreement between you and the original creditor showing you are legally entitled to collect monies on this account 4. A verification or copy of any judgment, if applicable 5. Proof that the Statute of Limitations has not expired on this account 6. Proof that you are licensed to collect in my state Failure to comply fully and completely with the above validation requests before continuing collection attempts, or reporting this account to any consumer reporting agency, is a violation of Federal law and will result in complaints being filed with the Federal Trade Commission, my state Attorney General 's office and your state Attorney General 's office. Civil and criminal claims may also be pursued.
05/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 91730	Web
I was contacted by AFNI collection company thru a letter stating that they were willing to accept a settlement on my XXXX account for half the original amount I paid the settlement amount and then requested a letter stating that I was paid in full and no longer owed any more money, I was told by the AFNI customer service that it takes 120 days for their system to update and I would not receive any letter until that time but only 7 days after I paid the settlement amount I receive an alert from XXXX stating I have a change in my credit I was sure it was AFNI updating my account to XXXX balance. yes, the new information was from AFNI but it was not reporting that I have a XXXX balance AFNI is now reporting that I still owe the half they agreed to settle with me and that my high balance was only the settlement amount and I still owe XXXX I also received a letter today from AFNI stating that they are still trying to collect the other half of the debt. I feel that AFNI deceived me by sending me letters stating that they were willing to settle my debt and once I paid the settlement amount they are continuing to try and collect the balance, I am seeking to find assistance as to hold AFNI accountable for their deceitful practices.
07/22/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
The company AFNI , Inc. has reported that I owe an amount of {$230.00}. AFNI claims, and is reporting on my credit report, that it was opened in XX/XX/XXXX. Supposedly, the original creditor is XXXX. I have asked for proof that the debt is mine on various occassions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I have notified the credit agencies and had it removed from both XXXX and XXXX. However, XXXX continues to say that is a valid debt, when I ask for proof I am sent a generic spreadsheet printout with my name on it and no details of any account. Furthermore, the only time in my life that I have had XXXX was between XX/XX/XXXX and XX/XX/XXXX. I filed bankruptcy in XX/XX/XXXX and it was discharged in XX/XX/XXXX. The account with XXXX was closed prior to my bankruptcy ending. Therefore, it was included in my bankruptcy and even if the supposed debt was not included in my bankruptcy it would have already passed the 7 year statute of limitation for being reported to my credit and the four year Florida statute of limitation on written contracts ( of which no one has ever been able to provide one ). AFNI continues to " re-age '' this debt on credit report and refuses to remove it despite the fact it is eroneous and not mine.
04/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 22601	Web
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX To Whom It May Concern : I am writing this letter because there is a big mistake on my credit report. I am specifically talking about the Afni Collections Account for {$1500.00}. Afni Collections has failed to legally verify and validate this debt despite my many attempts to contact them. The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter. I look forward to a speedy resolution of this matter. Thank you. Sincerely, XXXX XXXX XX/XX/XXXX SSN : XXXX
09/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	NY 11372	Web
You already know that I was in jail from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and your institution has my discharge papers from jail. Att reported a debt of {$850.00} to AFNI collection agency after I talked to them on the month of XXXX about what happened to me, I told them that I 'm gon na start making payments beginning XXXX XXXX they said it was ok but when I checked my XXXX report today XXXX/XXXX/XXXX I saw that they reported to the collection agency, i told them that I need time that I 'm looking for a job and I 'm even receiving mental treatment because of the situation I lived and the problem was with my baby 's mother. I contact ATT several times but they keep saying that I need to pay this immediately that they do n't have to follow the note of my explanation to them back on XXXX of this year and they transfer me to the collection agency. My Att phone number was XXXX I do n't have the account number right now but I think with the phone number you can get into my account and my social security # is XXXX. Please contact AFNI collection agency and explain them the situation and tell them to remove this from my credit report as the credit law command and also contact att regardless of this situation. Thank you
02/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 368XX	Web
XXXX XXXX XXXX acct # XXXX balance XXXX XXXX XXXX acct # XXXX balance XXXX XXXXXXXX XXXX XXXX acct. # XXXX balance XXXX. These companies have illegally obtained these debts. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2. Also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make a consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. And all of this info is inaccurate. Also last but not least none of them have any of my correct information and my rights are directly being violated because none of these companies can validate this debt. They are not mine. My privacy has also been violated and I need them removed immediately. These are unfair and deceptive practices.
03/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	PR XXXXX	Web	Servicemember
HI : I am XXXX XXXX XXXX I had XXXX accounts on XXXX they were open it on XXXX XXXX XXXX ( Num. XXXX ), and XXXX XXXX XXXX ( Num. XXXX ), my issues are On XXXX XXXX XXXX my financial institution ( XXXX XXXX XXXX XXXX ) notified me by mail, about some irregular transactions made, on my visa card, from ( XXXX or XXXX XXXX XXXX XXXX. XXXX Authorized Retailer ), causing me problems with my credit, credit line, credit score and my piece of mine. The issue that I have now with, ( XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX Authorized Retailer ) is the account ( Num. XXXX ) has been send to a different debt collection company name, ( AFNI, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX Who is billing me {$460.00}, basically is the same issue stated on my first Complaint with the case number XXXX, on XXXX XXXX, XXXX, with Related Case Number : XXXX, for the account ( Num. XXXX ), resolved in my favor, Please help me with ( XXXX XXXX and XXXX XXXX XXXX XXXX, XXXX Authorized Retailer ) from their continues harassing. I am summiting again the document, that include in detail the unauthorized transactions and the step taken so far, from my financial institution ( XXXX XXXX XXXX XXXX ) and myself.
01/18/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	UT 843XX	Web
I disputed the debt and amount that I they claimed I owed from the beginning. It was a personal cell phone bill that they claimed I owed {$2300.00}. Finally on XXXX XXXX XXXX I agreed to settle with them for {$1100.00}. In exchange AFNI agreed to remove any and all negative information reported on my credit. I was recently rejected for an auto loan. Upon examining my credit with XXXX, I discovered the only negative information was from this same AFNI account. The AFNI collection agent made false and misleading statements in order to get me to pay the {$1100.00} settlement, then neglected to remove the negative information. I have disputed the information with XXXX. I received notice today XXXX that AFNI confirmed the negative information. I spoke today with a XXXX XXXX XXXX, supervisor with AFNI who informed me that they never remove negative information as part of a settlement. He informed me that they will not remove the collection account from my credit. This constitutes a financial hardship for my family, as we are unable to obtain credit, except at astronomical interest rates. I am obligated by contract to refinance my home by this spring, and can not do it while this is still on my credit.
08/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IN 46220	Web
On XXXX 2015, i received a notice from AFNI that i owe a bill in the amount of {$1500.00}. On XXXX XXXX, 2015, i sent a certified letter to AFNI at the address identified on their letter head to validate the debt and they never responded. On XXXX XXXX, 2015 XXXX credit alert company contacted me to report that they had placed this purported debt on my XXXX Credit Report. This debt was placed on my credit report without proof that i owe the debt. Furthermore, i have requested XXXX, XXXX XXXX agency to send me the doecumentation and they continue to send it to different collection agencies without sending the information to me. This is viewed as fraud under the federal law according to the Fair Debt Collection Practices Act. I have the right to know the following about this purported debt. Who was the original creditor on this account and what was the account number? What was the origianl amount owed? Complete deteailed Payment History? What was the original date of delinquency for this account? Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment? What did you pay for this accountANDhow did you calclate the current amount owed?
08/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85138	Web
My Previous complaint XXXX AFNI XXXX has taken over collections for XXXX XXXX this was the originally disputed back in XX/XX/XXXX, when I found the charge on my account. I had not received any correspondence from XXXX XXXX after CFPB response that XXXX XXXX was suppose to respond to me directly on verification of the debt. In review of my credit report. I see that AFNI has now become the new collection agency in pursuit of this debt. I did contact AFNI XX/XX/XXXX, and spoke with representatives XXXX and XXXX, initially they were pursuing the individual with a FL address. The person who opened account resided at XXXX XXXX XXXX, XXXX XXXX XXXX. I have never lived in GA or FL, nor have any relatives or known persons in that state. I was informed by AFNI to file an identify theft app directly with XXXX XXXX, I will do so. Also I informed XXXX and will be uploading the last report XXXX, and new report to XXXX directly upon completion, so they can be involved. I would like your assistance to put this matter to rest, as it is negatively impacting my credit report. I have not received any direct mail yet, since I gave my address to the representative XX/XX/XXXX, I am sure they will eventually send one.
11/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33971	Web
Re : AFINI.INC Dear AFINI.INC, I have never recieved any written correspondance from this company. AFINI.INC added a collection to my credit reports with XXXX, XXXX, and XXXX that resulted from crime ( s ) that have taken place. This is invalid. I did not recieve any services or goods from the original creditor. However, I am still held resposnsible for this debt. You are hereby in violation of THE FAIR DEBT COLLECTION PRATICES ACT by adding a collection to my credit reports without my knowledge. You're also in violation of THE FAIR CREDIT REPORTING ACT by reporting inaccuarte information to credit reporting agencies. You were notified by the above mentioned credit reporting agencies not only were you frowarded copies of an FTC Identity-Theft Report as well as an Identity-Theft Affidavit. Still you fail to comply with laws enacted by Congress for victims of identity-theft. I am a victim of identity-theft and request that this debt be removed from my credit report. Failure to comply shall lead to legal actions. I will seek punitive damages for defamation of character for my name being assocaited with debts I do not owe as well as your neglilence to adhere to FAIR CREDIT REPORTING ACT. Thank you.
08/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32935	Web
Collection Account for XXXX XXXX XXXX XXXX Afni Acct XXXX {$280.00} I have tried very hard to be reasonable and understanding of this issue. I disputed the validity of this debt after numerous calls stating I owed money. I explained that I was not aware of account and after 3 requests, you provided me with details stating it was a cell phone account with XXXX XXXX XXXX. I explained this was not established by me and even went as far as to provide you with a copy of a police report. Notwithstanding, the calls continued. Against the advice of my attorney, I denied your settlement offer and instead PAID THIS IN FULL. This is affecting my credit and my ability to purchase a new home. So being that I am in between a rock and a hard place, I chose to pay you to show that I want to work through this were we both come out better. The funds were paid via your website ( conf # XXXX ) via debit card. Now I simply ask that you remove this collection from my file. This was fraud. Under FCRA guidelines, it constitutes as a file for deletion. I was victimized -- you came out 100 % in this. The least you could do is remove this from my credit reports. Please communicate with me via mail at the address above
06/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33025	Web	Servicemember
On XXXX XXXX, 2016, I checked my credit score and noticed an unusual downfall from a XXXX to a XXXX score. Under the factors affecting my score, a negative debt collector was listed. I contacted XXXX and was notified that a debt collector by the name of Afni Inc. reported a delinquent account. I investigated further into this matter and have filed a dispute with XXXX and XXXX to remove this from my credit report. Afni is claiming in a debt collection notice that I owe XXXX an outstanding {$370.00}. However, my XXXX account has been paid in full and closed in good standing. I have a letter confirming of this information dating to XXXX XXXX, 2016. Along with speaking to XXXX, I have been informed that my account with them has never been sent to a collections agency which puts into question the validity of Afni Inc. 's claims. When speaking to Afni on the phone to resolve this issue, the telephone attendant was in full swing of harassing language and would not adhere to my concerns or confirmation that XXXX has already been paid. Therefore I was not able to resolve or dispute this debt on my behalf resulting in this debt to be reported to the credit bureaus and negatively affecting my credit.
10/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 303XX	Web
AFNI, Inc. XXXX. XXXX XXXX To : The Office of Registered Agent for AFNI, Inc. From : XXXX XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX is authorized to administrate on the XXXX XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX XXXX. Courts require your contract for jurisdiction. Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, please forward to your ATTORNEY and LEGAL DEPARTMENT. By : XXXX XXXX XXXX XXXX
08/22/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85339	Web
This company AFNI, INC which i have NO CONTRACT with is Reporting on my credit reports fraudulently. * Were you named on the original contract with the original creditor? * If not, do you have a contract between your company and me, signed by both parties? * If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me. It is against the law for a creditor to share your information to any party other than the account holder without their authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft, * Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? * Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? Verification is a sworn testimony so you should also be responding in that format. Validation is the documentation backing up your testimony. One without the other is hearsay and inadmissible.
11/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30277	Web
on four separate occasions totaling in 120 days or more, I have requested validation of this account. they have refused to send me any documentation regarding this account. This is in total violation of the FCRA. They have neglected to respond and remove this account for failure to respond my last letter is sent was along the line of ..... This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. XXXX ( C.D.cal.XX/XX/1995), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. THEY NEVER RESPONDED
04/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78251	Web
I have not owed XXXX XXXX XXXX for any XXXX XXXX, but credit collector has continually harassing me and placed a debt of {$100.00} on my account after I have even told them have been cleared by XXXX It happened that I received an order of a cable modem from XXXX XXXX XXXX which was not ordered for by me, I only make phone inquiry about the service alone but the person I spoke with send to my address the modem through XXXX and immediately I saw this, I called XXXX and they asked me to send it back the next working day through the same courier and after 2 days I called again and it was confirmed received by them. And they told me severally that am cleared but credit collector keeps disturbing me on this and I have referred them time without number to seek clarification from XXXX XXXX XXXX but they did not. It unfortunate that this is still coming out on my credit report. Am frustrated and am developing XXXX XXXX with the way they disturb and the manner by which this appear on my credit information. I am seeking for a redress. I will appreciate if this can be settled. Am just tired of what XXXX XXXX XXXX is doing to me. I can be contacted for further clarification of this matter. Thanks
09/26/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77346	Web
You are hereby under provisions of Public Laws 95-109 and 99-361, also known as the " Fair Debt Collections Practices Act, '' notified that your services are no longer desired. You and your organization must CEASE & DESIST all attempts to collect the debt. Failure to comply with this law will result in my immediately filling a compliant with the Federal Trade Commission and the Texas Attorney General Office. I will pursue all criminal and civil claims against you and your company. Let this letter also serve as your warning that I may utilize telephone recording devices in order to document any telephone conversations that we may have in the future. Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice, this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by the law. Since it is my policy to neither to recognize nor deal with collection agencies, I intend to settle this account with the original creditor. Lawyers acting in the capacity of " Debt Collectors '' three or more times a year are considered " Debt Collectors. ''
10/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 955XX	Web
I requested XXXX to provide my home with TV service. The package I requested was not available in my service area. I immediately requested cancellation. They said that I was legally obligated to a 1 year contract. I never signed a contract. They said that I would also have to pay for the equipment they provided if I did not return it to them at my expense. I placed the equipment in their original boxes on my porch and informed XXXX that they could pick it up any time. They declined. XXXX then turned my credit information over to a collection agency who placed a collection on my credit bureau. I contacted both XXXX and AFNI Inc. regarding this report on my credit informing both agencies that I dispute this debt. They have refused to remove it from my credit report which has dropped from an XXXX FICO score to a XXXX. If they would like to attempt to obtain a civil judgment to collect this debt, I would welcome my day in court. Until that day, I have requested that they remove this stain from my otherwise perfect credit bureau and stop their harassment as they attempt to collect money for a service which they could not deliver and equipment which they were unwilling to come and retrieve.
11/08/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 94107	Web
Hello, This debt collection company called AFNI Contact Us XXXX Toll Free XXXX Afni, Inc. XXXX XXXX XXXX, XXXX, IL XXXX Manage your Account Online XXXX AFNI keeps calling my number 10 times a day repeatedly almost every half hour from XXXX. Usually the numbers are all from ( XXXX ) area codes. The agents that call me sound like they are all from XXXX or another foreign country. It started this XX/XX/2019-Present. When I answer they agents ask for me and say they are collecting a debt but they wont say what the debt is for and they ask me for my credit card and personal information. I never received any written correspondence from AFNI via email or to my residential address etc. Ive never given them any other important info either but somehow they got my cell phone number and keep harassingly calling me everyday. The fact that AFNI has not given me any documentation on what I supposedly owe over phone or via mail makes me think this debt collection company is a scam. I would like it to stop. Ive told them to stop calling me because they dont give me any info as to what I owe. It seems illegal and they are trying to commit fraud. I could sue them for harassment and take them to court.
01/31/2019	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	OH 44128	Web
I was in an accident on XX/XX/2018, i was insured at that time and found to be at fault. I only had liability coverage, i paid the court and towing fees as well as my hospital bills which amounted to {$3000.00}. I provided my insurance information to the police on the spot. A month later I start getting calls from this company called AFNI. They said they are an insurance collection agency and i owed them {$14.00} XXXX for the accident. I told them I had insurance and provided my insurance information. They kept calling for months threatening to sue if i do not pay. Now they have had my license suspended by the Ohio bmv and it states that I have a non-compliance debt with afni of {$10000.00}. And I also need to pay a {$350.00} reinstatement fee. I had insurance and i gave my policy card to the police, afni claims I had no insurance and calls me everyday of the week. I've called my insurance company ( XXXX XXXX ) and they say the claim is still open ( claim number : XXXX ) there's nothing they can do to help me at the moment. I am going to sue this company. They don't want to deal with my insurance company, I am currently XXXX and their constant harrassment has elevated my XXXX XXXX.
02/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 640XX	Web	Older American
I called XXXX to have my number ported to another provider XXXX XXXX, 2022. They ported my number and I started service with another company. I got a bill From XXXX for XXXX XXXX in the amount of {$59.00} even though my last call with them was XXXX XXXX, 2022. I paid them a month in advance when I started the service, and so I should have had a credit coming. Even if they refused to credit me for the partial month I paid in advance, I used XXXX services through XXXX XXXX, so they should only have billed me for XXXX XXXX in the amount of {$17.00} ( 9 days @ $ XXXX = {$17.00} ). Instead, they billed me for the full months amount of {$59.00}. They turned me over to a collection agency, Afni, and when they called today, I explained all this to them and offered to pay {$17.00}. The agency refused and I told them I would be filing complaints with XXXX and CFPB. Since XXXX turned this over to a collection agency, this will negatively affect my XXXX XXXX. I have worked hard to pay my bills on time, and I currently have a score of XXXX. I don't think it's fair that a business who is trying to scam a person out of money should be able to negatively affect a persons credit score.
09/22/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 462XX	Web
I was contacted by AFNI in early XXXX referencing a credit report entry from XX/XX/XXXX suggesting that I owed {$540.00}. I responded by sending a letter dated XX/XX/XXXX requesting to settle the debt. I requested that I received correspondence with 15 days of the offer to settle otherwise I would require a full verification of debt from the collection company. I did not receive a verification of debt at all. XX/XX/XXXX, I received a letter from AFNI stating that it was not handling the account and the entry on my credit report would be removed. I found that the collection was no longer on my credit report. A day or two later I received a letter from XXXX XXXX XXXX XXXX stating that the same account number was placed with them for collection and if I fail to pay the obligation a negative credit report may be submitted which feels very threatening. The letter also stated that I can dispute/ ask for verification but I could be sent a copy of a judgement or a verification. I will send the dispute regardless but the fact that I never received a verification from the first collection company doesn't give me evidence that I'll receive verification from the second one.
04/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32825	Web
To whom it may concern, On a recent review of my credit report, I discovered your company reporting the collection account on my credit reports. In regards to the Fair Debt Collection Practices Act ( FDCPA ), I am notifying you that I am disputing this debt in entirety, and you are to provide me with validation of the debt by providing me ALL of the following information : Copy of original contractual agreement bearing my signature between me and this company AFNI A clause in the original signed contract that authorizes you to collect on this debt. ALL Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. If youre Can not provide EVERYTHING I ask for to to validate the account, then you are to remove the collection account from my credit reports.
07/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	UT 840XX	Web
I contracted services from XXXX on approximately XXXX for Internet Services. In XXXX of XXXX I cancelled services with a credit balance - which to date I have not received. In XXXX of XXXX I received a collection letter from a collection agency stating that I was delinquent approximately {$100.00} owing to XXXX. After contacting XXXX they identified that a return shipping label and request for hardware return was never issued upon cancellation. The XXXX representative issued a XXXX return label. The modem and related cabling was returned at the XXXX XXXX XXXX, in XXXX Utah with the provided XXXX return label. This past week - XXXX/XXXX/XXXX I received a second notice from the collection agency stating an outstanding balance was still owed. I again contacted XXXX of the issue and they [ XXXX XXXX XXXX stated they are unable to identify the location of the shipped hardware and are unable to assist with a resolution. I have copied the full dialog for reference. Since XXXX has received the hardware or has proof that the hardware was received, I would appreciate them updating the derogatory collections reporting and issue my outstanding credit for over payment.
08/01/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 853XX	Web
I was in the process of disputing a debt with a debt collector AFINI. AFNI XXXX XXXX XXXX XXXX, IL XXXX RE : XXXX / {$170.00} - I sent them a request via certified mail on XX/XX/XXXX to validate the debt. - They were unable to provide any documentation or proof that the debt was indeed mine. - I followed up via mail again with " failure to respond '' and received no response from them. - I sent them one more letter via certified email on XX/XX/XXXX as they were not following the stipulations of the law and requested they remove this debt. It is not mine and they are unable to provide me with any documentation or proof to show otherwise. During this dispute process I can only assume that AFINI ( unable to provide proof of the debt ) sold it to a new debt company to cut their losses. This new company ( XXXX XXXX XXXX, XXXX ) has now started to reach out to me. This is unprofessional and an inconvenience to me. While working on trying to resolve this with AFINI they have inconvenienced me even further. Instead of doing their due diligence they just passed it on to someone new. I will now have to start the dispute process all over again with this new company.
05/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37040	Web	Servicemember
As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for AFNI license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-101. AFNI does not have a license in the state of TENNESSEE. Their license expired in XXXX XXXX , 2016. T hey can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 st ates no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES A CT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager who ha s submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES AC T 62-20-123 states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. AFNI is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.
12/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NY 142XX	Web
This organization contacted me today regarding an alleged debt owed to XXXX. During this outbound call to my cell phone ( A violation of TCPA as I had communicated to the original creditor I did NOT wish to receive calls to my cell phone ) their agent NEVER made an attempt to verify my identity in any way, simply asking " Is this XXXX? '' before going immediately into the details of the alleged debt I owed. I attempted to enact a verbal Cease and Desist and request Verification of said debt to which I would respond with the appropriate proof of my dispute. Their representatives refused to take my verbal request and promptly hung up. I called back and insisted on speaking to a supervisor. I was then connected to " XXXX ''. This girl informed me that " no verification was needed '' even though they used the Mini Miranda, because their client told them it was n't required. This is absolutely FALSE. FDCPA AND NY State law requires proper verification of identity PRIOR to disclosure of any alleged debt or use of the mini miranda. If their thinking was correct, my son, whose name is also XXXX, could have answered and would have been subjected to this nonsense.
04/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CO XXXXX	Web
THIS IS WRITTEN NOTICE TO AFNI THAT YOUR CLAIM HAS BEEN DISPUTED UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ). I HAVE THE RIGHT TO DISPUTE ANY INACCURATE INFORMATION THAT IS BEING REPORTED IN MY CREDIT FILE. I HAVE REQUESTED SEVERAL TIMES FOR PROOF THAT I HAVE A LEGAL OBLIGATION TO PAY YOU AFNI. THIS ALLEGED ACCOUNT HAS BEEN ILLEGALLY DISPLAYED ON MY CREDIT REPORTS ( XXXX, XXXX, AND TRANSUNION ), AND IF VERIFICATION CAN NOT BE MADE WITHIN THE 30 DAY TIME FRAME ALLOWED TO AFNI BY LAW. THE DISPUTED ITEM LISTED IN MY DISPUTE MUST NOW BE COMPLETELY REMOVED FROM MY CREDIT REPORTS ( XXXX, XXXX, AND XXXX ). AS AFNI IS NO DOUBT AWARE THAT THEY HAVE EXCEEDED THE 30 DAY TIME FRAME ALLOWED TO THEM BY LAW. THE LAW REQUIRES COMPLIANCE WITH THE TERMS AND CONDITIONS OF THE FAIR CREDIT REPORTING ACT ( FCRA ), WITHIN 30 DAYS OR COMPLETE WITHDRAWAL IN WRITING OF ANY CLAIM. AFNI HAS FAILED TO REMOVE THIS INACCURATE ACCOUNT INFORMATION, AND THIS UNVERIFIED INVALIDATED INFORMATION SHOULD NO LONGER BE ASSOCIATED WITH MY CREDIT REPORTS ( XXXX, XXXX, AND XXXX ). I WOULD NOW LIKE TO KNOW WHAT ENTITY CAN INFORCE FINES AND FEES AGAINST AFNI FOR A DIRECT VIOLATION OF THE LAWS?
07/18/2022	Yes	Debt collection Credit card debt	False statements or representation Indicated you were committing crime by not paying debt	FL 330XX	Web
The past few months I have been trying to apply for new credit cards as well as a car loan, I have also had some accounts closed for no reason at all... When I went on my credit report to see what was going on I saw that this company AFNI , Inc has reported on my credit that my account with them has been open since XX/XX/XXXX basically it appears on my credit that I RECENTLY opened this account, and defaulted on it in 4 months which is totally false... not only is it completely false but also a huge red flag to all lenders hence the reason nobody is extending credit to me and a few of my accounts were closed due to this... I have worked tirelessly on rebuilding my credit just for it to be snatched away from me... The Original Creditor of this account is XXXX XXXX XXXX. This account was opened in XXXX NOT XXXX and I had the account open for about a year before I fell on hard times and defaulted on it. This error has resulted in significant financial loss for me Tip : I have actually made a dispute on the CFPB Website towards XXXX XXXX ( which is the original creditor ) a few years ago. You can clearly see the date on that dispute is far before XXXX
03/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 60139	Web
I returned and paid all XXXX XXXX satellite services equipment as they advised me if I do n't want to be billed for their equipment it must be returned. They shipped me free boxes and labels to return their equipment and told me as soon as I returned it they would send an email once they received it. After they received it I got XXXX emails stating the equipment was returned XXXX, and XXXX XXXX. It is now XXXX I received a bill stating that I owe them {$960.00}. I told them I have n't had an account since end of XXXX. They ignored my letter I wrote them, now as of XXXX XXXX I got a new collection debt on my report from AFNI which they bought this debt from XXXX. I told AFNI that this was not my debt I do n't have services with XXXX anymore since XXXX. Why is this now illegally on my credit report as I do n't owe anything, they were paid for services that I had and billed me for {$500.00} of equipment but stated upon received they will remove it. As of today I am obviously being billed XXXX for something that is not mine as I do n't have any account with them anymore. Why would XXXX years later something falsely like this appear on my credit report.
01/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MO 63301	Web
I have tried to work through XXXX and XXXX to remove an invalid debt for over 4 months, and have been rejected through the re-investigation process. The company, AFNI INC, is a well-known predatory debt collection " company '' that creates false debts, sends them to credit reporting agencies, and makes dozens of harrasing calls each day to their " customers ''. The debt they have reported with XXXX XXXX XXXX for {$410.00} does not exist, as I have confirmed with XXXX XXXX XXXX that no such collection was filed. With the smallest amount of online research, I was able to find out that AFNI uses these false debt collection practices on thousands of Americans every year. It 's predatory bullying at it 's worst and the exact reason the CFPB exists. I have spent hours trying to get XXXX and XXXX to remove this FALSE collection from my reports, but they have not taken them time to research AFNI and see that they are a SCAM. I am now urging the CFPB to do whatever is necessary to remove this false debt from my credit reports. I have exhausted every remedy that was suggested to this point of working through the credit reporting agencies. Please help me.
05/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OR 97304	Web
The original creditor is XXXX, arising from a final bill from an apartment that I moved out of in XXXX XXXX. In XXXX XXXX I received a letter from a debt collector asking for payment of {$140.00}. I mailed a payment via my credit union 's bill pay on XXXX/XXXX/XXXX for the full amount due. The letter, which purported to be from an attorney 's office in XXXX, TN, instructed to make checks payable to XXXX XXXX. In XXXX XXXX, I received a bill for the same amount from a separate collection agency for the same debt. The agency is Afni, Inc. After double-checking that I had already paid, I assumed they had some wires crossed, so I ignored the bill. Today I received another bill from Afni, so I called them to explain that I had already paid the bill. They are demanding proof from me rather than checking with XXXX. Because the payment was made via bill pay, I will have to go into my credit union branch to get a copy. This will be time consuming and annoying. I feel the burden should be on the collection agency to ask their client to double check their records. In the meantime, my credit score has been harmed by the report to credit bureaus by Afni.
03/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91765	Web	Servicemember
On XX/XX/XXXX, I was denied credit and received a copy of XXXX credit report. It showed an open balance with XXXX, XXXX of {$440.00}. I know I paid this account off. I called XXXX and that said my account was transferred to Afni, Inc. I called Afni, Inc. They told me my account was paid in full and they will send me a receipt. I put in a dispute with XXXX while I waited for the receipt from Afni, Inc. On XX/XX/XXXX, XXXX said they finished their investigation and XXXX said the information on my credit report was correct and I stilled owed {$440.00}. The disputed item remains on my credit report with out any changes. I submitted a second dispute with XXXX and provided a copy of the receipt from Afin , Inc. showing that my account with XXXX was paid in full by their authorized collection company. On XX/XX/XXXX XXXX sent me my dispute results stating XXXX XXXX said information on my credit report is still correct. I owe them {$440.00}. the item will remain the same. Yet I have a receipt firm Afin, I spoke to an XXXX Rep and they all told me I do not have an open account with them nor do I owe them any money. My account is paid in full.
01/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89113	Web
In early XXXX I was in the process if buying a home when my lender noticed that there was a past due bill on my credit report. I was very confused when he told me it was with XXXX XXXX XXXX since I had not done any business with XXXX XXXX XXXX. I was n't sure what to do since I did not know how to deal with Identity Theft. Finally in XXXX I found a credit counselor who guided me through the process of having this erroneous and fraudulent information removed from my credit report. At that time a company by the name of XXXX XXXX held the account and so I filed my paperwork through the credit bureaus to have it removed and it was removed in XXXX XXXX. Sometime after this date the debt was sold to another collection agency Afni, Inc. I have no idea why a company like XXXX XXXX XXXX or XXXX XXXX or the Credit Bureaus would continue to allow a debt to be passed around that is fraudulent in nature and cause a consumer such trouble. I am now paying a higher interest rate for a mortgage. I want this issue resolved once and for all and do not want to continue having to file paperwork with whatever agency decides to try to collect this fraudulent debt.
10/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	OR 97504	Web	Older American
I cancelled XXXX XXXX summer of XXXX due to their system being unreliable. I paid the final bill which i have a copy of and also returned their equipment. They said if had to pay {$290.00} additional for cancelling the contract before end of term. I told them since they could not supply reliable stable service they had breached their contract. I told them i would pay the final bill of {$110.00} and return their equipment. Which it did. they turned me over to a collection agency which has been harassing me for several months now. They reported me to XXXX and they placed a derogatory item on my credit report. I asked XXXX to remove the item as I do not owe XXXX XXXX anything. XXXX owes me {$1000.00} rent for leaving their antenna on my roof which they have not removed after several written requests. I asked XXXX be required to remove the item and their collection agency be ordered to stop calling me. The agency is : AFNI, INC. Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Account Number : XXXX I also want XXXX to pay me {$1000.00} rent for their equipment on my roof they have failed to remove. Best regards, XXXX XXXX
07/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94568	Web
Was a customer with XXXX XXXX XXXX XXXX from XXXX to XX/XX/XXXX. Due to job relocation to another state, I had to return equipment and stop cable services in XX/XX/XXXX. I called and asked that service be stopped in XXXX and was assured it was done. A month later I was billed for services after the cancellation and equipment. I called and was told that equipment was received but billed in error for services after the cancellation {$270.00} and was assured it will be corrected. Around XX/XX/XXXX, they sent it to collections, I called again and it was removed and told errors have been fixed. Fast forward to XX/XX/XXXX, I notice a collection report on my credit from AFNI. I didn't receive any notice. Called to resolve and was told that they are just acting on behalf of XXXX XXXX XXXX. Attempts to resolve have been futile. I called XXXX XXXX XXXX and they say I do not have any account or balance with them yet AFNI claims I owe them. This has caused over 70 points drop on my credit score since they reported. I have disputed with the credit bureaus but AFNI still insist that I owe. I have requested proof of the debt but they haven't provided it.
07/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MA 02130	Web
I received this letter in the mail today and it says that there is a {$4100.00} debt under my name through XXXX. This is not my debt. This debt is suspicious and Im going to file a complaint with the consumer Protection Bureau and Im also going to make an FTC report concerning this debt under my name. What do they sell at XXXX that cost {$4100.00}? Isnt XXXX a cellphone company. I do not use XXXX for my service. I use XXXX XXXX as my cellphone provider for the last 5 years. Im writing you guys back because the letter said Afni Inc is expecting a response from me by XXXX XXXX or they will assume that the debt is mine. I believe that I maybe a victim of identity theft possibly because I did not have XXXX and generate this debt for {$4100.00}. In order to dispute this debt and prove that it isnt mine, Im going to send a copy of a bill that I have from XXXX XXXX and an FTC report because I believe that Im a victim of identity theft. Im going to send in proof of my identity such as a copy of my passport and a copy of my social security card. I have also enclosed the FTC report and Consumer Protection Bureau report along with this letter also.
02/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 712XX	Web	Servicemember
In the past I have communicated with this debt collector ( afni ) via phone & mail correspondence. In those communications I expressed my concerns and advised afni that I dispute this debt. That I did not recognize this debt. I asked them to validate the debt. They could not provide validation of the debt and ceased pursuing it. Recently they began harassing & sending threatening letters again about this fraudulent collection. This company does not follow the procedures or laws set forth by the federal government for debt collection practices. They should be fined, reprimanded & in-prisoned if possible. Theyre continual unlawful actions deserve your attentions. As aforementioned they are harassing me for a invalidated & fraudulent debt from many years ago that I never recognized or accepted responsibility for. I took the lawful appropriate steps within the time period allotted to dispute the validity of the debt. Once afni realized they could not validate they ceased collection activities. Now months later they are harassing & threatening once again. I have consulted with an attorney. He advised to file report in preparation of lawsuit
07/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95833	Web
AT & T Account XXXX, Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following. Violation of the Fair Debt Collection Practices Act Defamation of Character
07/16/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44107	Web
I recently got my annual credit report and I noticed a collection for Afni inc I disputed and it came back as verified but I never got any documentation to prove this debt belongs to me. I also never recieved a letter within 15 days to remind me of my right under the fair credit reporting act to dispute. I also contacted the orginal creditor to get documentation that the credit agency coudnt give me. The orginal creditor dosent have a signed contract with my name on it so how can this debt collection company verify this debt is mine. I will not pay this debt because the orginal creditor dosent even have a contract and I refuse to pay something I dont owe. Even though there isnt a orginal contract bearing my signature Afni inc is still reporting this account on my credit report which is a violation of the fair debt collection act. If I am not provided the orginal contract bearing my signature proving I owe this debt and I'm not provided license to collect in my state of Ohio I will not pay this debt and i will persue litigation for XXXX $ for violation of the debt collection act because this account still remains on my credit report
09/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98901	Web	Older American
When living in Arizona, I had several accounts with XXXX XXXX. Throughout my relationship with XXXX XXXX, I found XXXX XXXX to be difficult and eventually realized they were deceptive and fraudulent. I received invoices from them long after the accounts were closed ( XXXX, 2018 ), which I paid, trying to end my relationship with XXXX XXXX. Eventually I received a collections notice which I successfully disputed. When I received notices to join in a Class Action Lawsuit against XXXX XXXX for exactly the tactics that XXXX XXXX had been using against me, I joined. I received XXXX settlement checks for this lawsuit. I am attaching copies of the settlement checks. Now I have received yet another collection letter ( attached ) from Afni regarding an alleged debt owed to XXXX XXXX. I do not owe any money to XXXX XXXX. Unfortunately, after the initial dispute had been settled for XXXX years, I shredded the documents. From research on this issue, it appears that this collection attempt may constitute mail fraud. It appears to me that this tactic by XXXX XXXX of trying to collect on non-existent debts is going to continue forever.
02/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
XXXX acknowledged in response to a complaint that I filed ( the third such complaint about same issue ) that it owed me nearly {$2000.00}. XXXX replied that it would issue the refund and the person assigned to do so was : XXXX XXXX XXXX Executive and Regulatory Services Analyst. Office : XXXX Ext. XXXX Fax XXXX XXXX XX/XX/XXXX, XXXX XXXX sent me a direct email affirming this. XXXX XXXX submitted a copy of her message to the Federal Communications Commission as her response to XXXX XXXX. XXXX. XX/XX/XXXX, FCC notified me it was closing the complaint. It appeared XXXX was willing to issue the refund to me. However, after FCC closed the complaint XXXX XXXX refused to talk with me and put a note on my account that no one else at XXXX was allowed to discuss the matter. I tried desperately to get XXXX to refund the money it owed me before it merged with another company ; but to no available. XXXX the merger, I was informed that there was no mechanism available for me to collect the debt that XXXX owed me when it ceased to exist. XXXX owed me money. I did not owe XXXX money. This claim from a debt collector is clearly fraudulent.
06/09/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 11727	Web
Afni notified me of an alleged debt with XXXX XXXX XXXX. If did not recognize a debt therefore, I sent the debt collector a letter, and asked for verification of the XXXX Afni made no additional communication addressing the problem. On XX/XX/2021, I received notification from the XXXX app that my credit report had been updated with Enhanced Recovery Collections. I conducted research on the company and obtained their contact information. I was informed that XXXX has been in possession of the file since XX/XX/2021. There was no correspondence regarding this purported debt. I was presented with wrong contact information on file with Enhanced which is why they were unable to contact me. According to what I was told, the search revealed that those were the most established locations and phone numbers. I never resided at the address, and the phone numbers were at least 15 years old. How valid is this debt, if the creditor did not have my address? What happened with Afni? XXXX, did not have the correct information. This tactic impacted my credit report and score. The 30 days have passed. Am I able to send verification of debt letter?
04/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60148	Web
1 ) In approximately the fall of XX/XX/XXXX I moved from an apartment with internet serviced by XXXX to an apartment with a different ISP. XXXX did not turn off service at the old apartment in a timely way and billed me an additional {$53.00} for services I did not receive, in spite of their obligation to release me from the contract without a termination fee. 2 ) I submitted a dispute to XXXX through XXXX on XX/XX/XXXX. I have not received any response to this in nearly two years. 3 ) The collections debt has passed among collection companies who attempt to collect the debt, and then after I instruct them not to call me, they resell to another collection agency. These companies then report the supposed debt as a new collection account to the bureaus, which keeps the account fresh and more impactful in the determination of one 's credit score. This practice is clearly abusive and not in the spirit of the law. I believe the case above demonstrates a failure at all levels of the credit system we have in place, but primarily I wish to have the debt now held by AFNI , Inc. to be discharged and removed from my credit reports.
04/24/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60613	Web
Received letter in the mail on XX/XX/XXXX ( postmarked XX/XX/XXXX ) explaining that they have a claim about a car accident a couple years ago on me for about 12000 . I sent a letter on XX/XX/XXXX in response requesting more information so i could verify the debt was valid and how much of the total amount. They sent no response to the letter. I called the company i believe on XX/XX/XXXX to verify the letter was received and to request the information. They confirmed they had revived the letter. I was told that they did not need to respond to the letter because of HIPPA laws. So i was never sent any more information to verify the validity of the claim. He gave minimal information on the phone call about how much was property and what was medical. Did not say if the entire amount was what i owed or if it was only part of it. Then proceeded to tell me the options i had to pay it back. 50 % up front by XX/XX/XXXX ( check had to be received by XX/XX/XXXX ), or payment plans for 100 % over the next few years. I said i would look into it, which is when i called the CFPB to discuss the situation. I have attached a photo of their letter
06/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11414	Web
On XX/XX/2019 I reached out to XXXX regarding payment owed on account. I was sent information via email that the collection company Afni is now overseeing the account. I connected with Afni the same day and paid the account off in full. I was sent a notice of payment letter as my own personal proof shortly after. I disputed the account three separate time within the last 30 days along with proof of payment and XXXX continues to deny that the notice is indeed an accurate proof of payment. I connected with both parties XXXX and Afni whom have confirmed that the debt is paid off and shows in both systems. Im not quite sure where the miss is but I would greatly appreciate someone of proper authority to handle and rectify this situation once and for all. XXXX has expressed that they only take uploaded documents to share with the collection company and do not ultimately make the decision of updating the account. Ive been patient with all three companies and spoke with respect to every representative involved. I would like a solution moving forward rather than all companies pointing the finger at one another. Thank you.
02/25/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78216	Web
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under AFNI Inc . I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and still there were no updates to reflect that account was being disputed and no validation was received therefore I sent a dispute direct to all 3 credit bureaus.Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.
07/10/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77301	Web	Servicemember
Afni, Inc. reported to the three major credit reporting agencies that I owed XXXX dollars for an XXXX XXXX XXXX account. I contacted them by phone to inquire about this dept. They told me that I owed this money for an XXXX XXXX XXXX cell phone account. I explained to them that I do n't recall ever having an XXXX XXXX XXXX account, and ask them to validate this account. They refused to do so, so I ask who owned the account, and they replied that XXXX XXXX XXXX did, so I then told them I would call XXXX XXXX XXXX. His reply was go ahead, they will just refer you back to us. I called XXXX XXXX XXXX, and spent at least 30 minutes on the phone with 3 different departments, and they had no record of this account, searching by name, ss number, phone number. I did this twice, and spoke to different people each time. They had no record of this account. I then called Afni back, shared this info, and tried to get them to validate the dept. instead, they question me of why I needed this info, and tried to coheres me into filing a report of identity theft. They continue to refuse to validate this dept, which probably is false.
06/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76010	Web
I had an account with a company a called affirm when i opened up the account i had a the folowing phone number XXXX got two loans from them first one was XXXX and was pd on XX/XX/XXXX. i obtained another loan in XX/XX/XXXX and pd off that account on XX/XX/XXXX amt pd XXXX. I contacted affirm to try to obtain a new loan in XX/XX/XXXX but my phone number from had changed when i obtained the loan my phone number was XXXX now i had a new number I had notice there was another persons information on the account by the name of XXXX. I tried to update my information but the app was not user friendly i tired call affirm and update the information they asked me to update my email first then they would be able to assist me which i did XXXX. As soon as I did that with the company. I received a collection letter from XXXX dated XX/XX/XXXX for the amt of XXXX for a purchase they said i did XX/XX/XXXX and i received another letter from AFNI charges in the amount of XXXX they stated these charges XX/XX/XXXX. I told them I did not make these purchases they still sent me to collections and it is now being reported to my credit ..
12/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA XXXXX	Web
AFNI sent me a letter they were trying to collect on a debt for XXXX XXXX. I then mailed in verification that the debt was considered paid in full by XXXX sending AFNI a copy of the letter sent to XXXX along with the cashed check paying the debt in full. I then received another letter attempting to collect in XXXX XXXX XXXX. I then called the company and advised them that I already sent in info showing this debt was paid in full per an agreement with XXXX XXXX. I put in another dispute with the rep on this day. On XXXX/XXXX/XXXX I get notification that AFNI has added the account to collections. I have not received anything back from my dispute showing the balance was pd or the dispute I put in with the rep on XXXX XXXX, XXXX. AFNI is not practicing fair collecting or reporting on my behalf nor is XXXX XXXX because the account should be marked as paid in full as included on the payment I sent XXXX on the check itself and on the letter mailed it clearly stated upon XXXX cashing my check they in fact agreed the account would be considered paid in full and the account would be removed from all three credit bureaus.
08/04/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33169	Web
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by AFNI, Inc. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
11/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75219	Web
On XX/XX/XXXX I disputed a debt with XXXX ( XXXX ) with both the collection agency at the time and XXXX Credit Bureau. Both XXXX ( on XX/XX/XXXX ) and XXXX XXXX XXXX ( on XX/XX/XXXX ) deleted the debt. XXXX then gave ( or sold ) this invalid deleted debt to AFNI Collections ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX, IL XXXX ) who very aggressively and rudely called me and would not disclose who they were or why they were calling but instead asked me repeatedly about a former address. When I told the man I would not give personal information unless I knew why he was calling he became even more aggressive and rude and I had to hang up because I was worried and uncomfortable. I called AFNI shortly after and explained that this debt was deleted and therefore not valid and to cease contacting me. I additionally Chatted with XXXX ( I do have screen shots of the conversation attached ) where they assured me they were taking my debt out of their system and not to worry about it. Now I have received a letter from AFNI trying to settle the invalid AND deleted debt that they are aware is INVALID AND DELETED.
02/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60201	Web
My credit report is currently showing a debt owed in the amount of {$270.00} to AFNI collections for a XXXX account. This debt has been paid in full. This debt was paid on XXXX XXXX. I am requesting that this debt be removed from my credit. Please find the XXXX account details below. Account Name : XXXX XXXX Account Number : XXXX Service Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Close Date ( on record ) : XX/XX/2015 Balance Owed : {$270.00} I had my XXXX XXXX, at XXXX XXXX XXXX, disconnect on XX/XX/2015 because my lease was up and I was vacating the apartment unit. I relocated to Utah shortly after. I committed to a lease ( please see lease attached ) and moved into a new home, located at XXXX XXXX XXXX XXXX, XX/XX/2015. To sign up for new cable service in XXXX, with XXXX, I went into the local XXXX store. It was there that a XXXX representative informed me that in order to begin new cable service at my XXXX XXXX, I would need to satisfy a past due balance in the amount of {$270.00}. I paid the {$270.00} in full, in the store and began my new service. This debt has been paid in full.
01/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MN 55434	Web	Servicemember
I received a notice on a debt in the amount of {$82.00} for a XXXX account when I had only been with XXXX for a month prior to getting this collection notice. I called XXXX to verify the amount in question. I was told by them that I am NOT delinquent on my account nor have I ever been delinquent on my account. Further more XXXX did a search using my SSN and again could not find any delinquent accounts or amounts in my name or SSN. Not to mention since we switched over to XXXX two years ago we have paid our account by direct bill pay from our checking account. I have tried calling and talking to this new collection agency to verify this debt and they do n't seem to have any answers to assist me in this matter. I only have gotten that I owe this amount and demand payment. Since my wife and I wanted to refinance our home we received this collection notice. However in dealing with this issue in the past they have now added my wife 's name to the collection notice. However in doing so they have refused to talk to her about this issue. Even though she is listed now on this new collection notice that is not valid.
03/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 273XX	Web
I opened an XXXX XXXX XXXX account through a third party for the bundled package. They somehow opened XXXX accounts on the same day ( one that nothing was done with, and the other that I still use to this day ). I then received the bill for the second account from XXXX XXXX XXXX XXXX and they saw the problem, and said that my account would be pulled back from the collection agency and then closed out with a XXXX balance. They clearly stated they saw the problem, and it was an error. A few months passed and I didn't get any bills from AFNI Collections. All of a sudden they have started again. I called XXXX XXXX XXXX XXXX again ANGRY, and gave them the account number that XXXX was trying to collect on. They said they couldn't find the account. I called XXXX and explained to them the situation, they told me to contact XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXX XXXX and was told that, " Yes, there was an error on their behalf, and the account was closed with a XXXX balance. '' I even gave them the account numbers that are showing on the AFNI Collection bill. They were still unable to locate the account.
05/03/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	LA 707XX	Web
I would like to submit a complaint against ( Afni Inc ) regarding unknown account ( s ) ( XXXX ) in the amount of {$670.00} reporting on my credit report ( s ). ( Afni Inc ) reported and placed the account ( s ) on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. ( Afni Inc ) never provided me with notice nor did ( Afni Inc ) mail me any letters or communicate with me in any manner regarding this alleged account ( s ) ( Afni Inc ) is reporting on my credit report ( s ). On or about XX/XX/2018 I mailed ( Afni Inc ) a certified, registered and tracked letter via the United Stated Postal Services requesting debt validation of the account ( s ) ( Afni Inc ) is reporting on my credit report ( s ). ( Afni Inc ) has not responded but continues to report the unvalidated and unverified unknown account ( s ) on my credit report ( s ). The reporting of the erroneous account ( s ) /entries on my credit report ( s ) by ( Afni Inc ) are detrimental to my overall credit rating and has caused me severe financial and XXXX XXXX and XXXX.
06/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77084	Web
I received a letter from Afni stating that I owed {$34.00} due to the service at XXXX. I have NEVER ever signed up for phone services with XXXX nor did I ever sign up for any of their other services they offer. I looked up XXXX number on their website and contacted them. After looking through their system and not being able to find my name, number, or social security in their system, they filed a dispute. The next week, I received a letter stating they did their investigation and found I am responsible for the amount owed. I called them back again and placed another dispute. They sent me a bunch of papers the next couple days asking for my gas utilities bills, social security card, passport, license, and all sorts of information to prove. I have not contacted them since. It looks they are backtracking to get someone to pay for the amount since they ca n't find the person who signed up for this service and they found a person ( me ) that called so they are trying to hold me responsible when I never had a relationship with XXXX. This is harassment and I do not trust them with all my personal information.
09/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23435	Web
On ( XX/XX/2020 ) I was a part of a consumer credit transaction this wasn't disclosed. Upon discovery I realized that I was Fraudulently damaged. Due to ( Title 15-1692A ( 3 ) ( COMMUNICATION-1692A ( 2 ) ( CREDITOR-1692A ( 4 ) Credit reporting is optional, there is no law in the US which says a transaction has to be reported to a consumer reporting agency. You will be civically liable if you do not reply because congress states credit reporting is optional. Under title 15 USC 1681n civil liability for willful non compliance -Any person that willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the sum of ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater
03/14/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77382	Web
I settle my bill with XXXX back in XX/XX/XXXX Later I was hit with a collection bill from a company from XXXX XXXX with a Final -bill for {$790.00} I called XXXX to compliant of this bill and was transferred several times to different department with everyone cluesless. I final call the number for XXXX listed on the Final letter XXXX & the number was a non working number. So I disputed with XXXX and XXXX and they removed the discrepancy. If you call that number for XXXX XXXX XXXX is now says XXXX. I check my credit report a few months later XX/XX/XXXX and found out that XXXX had another collection agency Name now XXXX XXXX and this time they put the collection amount for {$1600.00} I have always paid my bill from XXXX and that is very disloyal of them to keep make up this statement after the fact with 2 different collection agency and 2 collection amounts XXXX removed the AFNI From my XXXX on XX/XX/XXXX and the rep told me they ask AFNI To remove from AFNI/XXXX -AFNI/XXXX Just place back on XXXX as of XX/XX/XXXX Please help me with this company! Attached is supporting documents Thanks XXXX XXXX
08/02/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 33027	Web
I mailed my cease and desist letter to the collection agency who is responsible for this debt. I was very clear that they should cease and desist all communications with me in regards to this debt. My USPS certified tracking number is XXXX in which was delivered and signed for on XX/XX/2023. But even though they received my letter and signed for it. They still have been trying to contact me through my consumer report as well as continuing to send me letters in the mail about this debt. Under section 805 ( c ) of the FDCPA states that if a consumer notifies a debt collector in writing that they wish the debt collector to cease further communication with them. The debt collector must not communicate further with that consumer. So why are they still trying to communicate to me through my consumer reports about this debt that I already written to them to cease all collection and communication with me. As well as section 807 ( 4 ) which prohibits a debt collector from continuing to communicate with the consumer, except to notify the consumer that the debt collector further attempts are being terminated.
02/23/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	CA 95376	Web
I contacted XXXX XXXX XXXX regarding a collection amount that showed up on my credit report showing I owe {$130.00} I spoke to XXXX in customer service on XXXX/XXXX/XXXX @ XXXX and she could not help me she transferred me over to XXXX XXXX XXXX collection department. I spoke to XXXX on XXXX/XXXX/XXXX @ XXXX and made me aware it was for service from XXXX XXXX. My issue with this is that the name on the account was originally on my sister 's name then it was transferred to me. I decided I no longer needed a landline so I cancelled the account but never received any bill regarding these charges until now. I am trying to purchase a home and it is affecting my credit score because this account was sent to a collection agency called AFNI , Inc . They could not prove to me that any letters were sent by XXXX XXXX XXXX and never received any letter from the collection agency AFNI, Inc. as well. If I do owe this amount of {$130.00} I do not have a problem paying it, but in all fairness this should be removed from all XXXX credit bureau companies. So I can move forward in purchasing a home for my family.
04/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11746	Web
XXXX XXXX XXXX neglectfully let someone open an account under my name and rack up a large bill. There was ZERO attempt to contact me and I knew nothing about it until a I saw this was sent to a collection firm ( which lied claiming they sent a letter to me ). While I was the victim of XXXX 's negligence in verifying their actual customer, I went through the time/effort of filling out the forms on XXXX XXXX website and they agreed it was fraud. The collections agency stopped collections too. I made complaints against both firms at that time and you can see that under my history here. Now starting last week I starting getting calls from yet ANOTHER collections agency ( AFNI Collections ) on behalf of XXXX XXXX XXXX XXXX AFNI informed me that I still owe XXXX XXXX XXXX {$1000.00}. I call on the CFPB to do everything they can to punish these firms that make my life miserable, when I have zero involvement in their negligence. I implore you to look into this case specifically as this is clearly illegal to continue to attempt to collect money form someone who was the victim of that firms negligence!
08/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06108	Web
XX/XX/XXXX I received a e-mail from XXXX, Whom I have a account with that I had a Major Derogatory Account that was reported by XXXX. I contacted XXXX, filed a dispute because I did not know what this was, I thought that another Identity Fraud happen since last year I was a victim of Identity fraud. I checked XXXX XXXX and seen my XXXX credit score dropped XXXX points, Which it was XXXX last I checked. I clicked the what changed tab, And a Collection agency ( AFNI LLC. ) was working for XXXX. I paid off my balanced {$340.00} in XX/XX/XXXX and closed my account, 9 months later they are committing Fraudulent charges against me. I dont owe XXXX anything, I paid off all my balance in XX/XX/XXXX, While on the phone with them, And asked them to close my account, Which they did and they try to offer me perks to stay with XXXX since I been with them since XXXX, And never missed a payment. I declined. I returned their equipment at the nearest XXXX store, And that was it. Now they hired a collection agency 9 months later claiming fraudulent charges of {$220.00} that they claim I owe, Which I do not.
06/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OK 741XX	Web
I had an account for years for my granddaughter, the last year a month after the new year began I added her father and XXXX sisters. when her contract ended after 18 months I paid the final bill returned the phone and moved her to a new company with her same phone number. Her father and sisters contract ended the next month they returned all of their phones except one it was lost and paid their final billed and moved to another company. I had XXXX XXXX on all of the phones, which should have covered the lost phone. If not, that would be the only amount owed. Two years later that put on my credit reports that I owe over {$1700.00}. I have asked them twice to send documentation of how I owe {$1700.00}. I haven't received anything in nearly a months time. My granddaughter was with them for 36 months and I never missed a payment, my credit is important to me, why would I do that? And that is the only negative thing on my credit and XXXX has my pay history and the phones. Maybe you can get them to show you my account records, it will prove that I am telling the truth. Thank you for your help.
06/18/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 27534	Web
AFNI collections put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I request that AFNI verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If AFNI is unable to provide the above identifying account information, this account must be deleted from all CRAs. AFNI also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. Their address is XXXX XXXX XXXX XXXX, IL XXXX
10/13/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33312	Web
I have sent letters to this company seeking that they validate the debt. They have failed to do so. This company sent 1 statement which does not itemize the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.I have contacted this company as well as the credit bureaus ( XXXX, XXXX, and XXXX ) seeking debt validation ( see attached ). This company continues to report this inaccurate, erroneous item to the credit bureaus. Why are they reporting that this account has terms of 1 month. Where is the proof that I agreed to terms of 1 month with this company? This company is violating my consumer rights as well as the mandates of the FDCPA.
09/29/2016	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	OH 447XX	Web	Older American
I was away for some medical treatment on Wednesday XXXX XXXX. I always leave my cell phone with a friend to answer while I 'm at the doctor. The call came in at XXXX XXXX. The phone rand and the caller ID registered as XXXX XXXX XXXX and the person at the other end of the line asked my friend XXXX XXXX if he was speaking with me. He replied no, said that I was ill and out getting treatment. My friend XXXX asked what the call was concerning, and the caller again asked if this was me and XXXX said no. XXXX asked again what this was in reference to and the caller finally told him that he was a debt collector calling to collect a debt for XXXX from a bill from several years ago. XXXX said he would not take a message and gave the caller my XXXX XXXX XXXX to submit the purpose of the call in writing to me directly. I contacted my lawyer once I heard this, and he said it 's illegal under the fair credit reporting act for a collector to disclose any information to a third party and he suggested i file a complaint here first. When I googled the phone number, it showed AFNI, who is a debt collector.
07/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CO 80017	Web
I 'm very upset with Afni Collections. I have disputed this account on XXXX separate occasions and to date have not received any validation. I contacted Afni trying to pay the account in full if they could help me with my credit. I advised that I was in the process of purchasing a new home. The reporting Afni made has jeopardized me in purchasing a new home. I spoke to XXXX different managers at this collection agency and NONE of them would help me resolve my account and help me with my credit. I originally had an account with XXXX XXXX and XXXX XXXX that was bundled. I paid the XXXX portion and thought this was paid in full. I never received a final notice or bill from XXXX XXXX prior to them sending me to collections. I just need help and no one will take the time to help me resolve this collection. If I would have received a final notice from XXXX XXXX then I would have paid the bill before it made it to collections. My children are suffering in the current housing situation we are in. There is just not enough room for XXXX of us and now my rent is being raised and AFNI will not help.
01/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 604XX	Web	Older American
In XXXX of 2023 I noticed my excellent credit score had taken a severe decline. Upon checking into it, I noticed there was an item on my credit report that was erroneous. A collection agency, AFNI, INC., had reported that I was delinquent on a payment of {$1200.00} to XXXX XXXX XXXX. This is totally false. I do not have any financial relationship with XXXX XXXX XXXX. I called AFNI to try to resolve the error, but of course they " were experiencing higher than normal call volume ''. Not only was I unable to contact them, they have never, ever, contacted me prior to or after placing the item on my credit report. I called XXXX to dispute the item but their " investigation '' verified the information to be accurate. That is not true. I had the same situation a few months ago, and I believe it was also from XXXX XXXX XXXX but a different collection agency. It was removed from my report. I suspect the first agency just sold the same bogus debt to another agency. I can not attach any supporting documents because there was never any relationship between me and XXXX XXXX XXXX so nothing exists.
10/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92503	Web
I ported 4 cell phones and 1 tablet from XXXX XXXX XXXX to XXXX. I was told that XXXX would pay up to XXXX per line once I switched to XXXX since there were still balances on the " leased '' phones from XXXX XXXX XXXX. At that time, I also ported 2 lines from XXXX to XXXX and as a bonus XXXX said they would send me XXXX per line ported. I only received a XXXX prepaid card for XXXX, I think, not sure what the amount was but it was not much. My last XXXX XXXX XXXX bill was quite high because of the remaining " leased cell phone '' amounts that XXXX was supposed to pay them. When I contacted XXXX, I was told that I was too late. The rep at the XXXX store told me that he would take care of everything, I returned the XXXX XXXX XXXX cell phones to him and my last XXXX XXXX XXXX bill. Now, XXXX XXXX XXXX has sent me to collection for a debt that I do not owed, if XXXX was not going to pay off my balances I could have sold the phones for that amount, or more. They were, at that time, 2 XXXX XXXX XXXX and 2 XXXX XXXX Attached is my documentation with the pertinent dates. Thank you for your help.
10/30/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	NY 10032	Web
The Collection Company : AFNIXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXXTelephone : XXXX calling and sending collection bills to my house for a debt they said I owe to XXXX They are collecting {$4400.00}. I do not owe any money to XXXX XXXX XXXX, I have never had business with XXXX XXXX XXXX, and I want that AFNI company to stop their attends for collection. I recently returned a bill to AFNI and told then that I do not owe money to XXXX XXXX XXXX, and to fix the delinquency report they submitted to the Credit Report Companies ( XXXX ). The situation is that around XXXX 2013, someone made business with XXXX XXXX XXXX and probably under my name. Then around XXXX 2013 a debt collector made a delinquency report to the Credit Report Companies ( XXXX, etc ). I called the collector company and told that I do not owe any money to XXXX XXXX XXXX and I have never done business with then. I requested then to undo the delinquency report. But they kept the collection account and then transferred to another Collector Company which is this XXXX AFNI. See attached last bill for collection.
07/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TN 478XX	Web	Older American
5 years ago my identity was stolen. XXXX opened an account for the person who stole my id. {$200.00} was charged in telephone calls. When the bill was not paid, XXXX contacted me. I did not know my id was stolen. I immediately filed a police report with XXXX XXXX Tn police dept. I filed a form with XXXX to explain that my id was stolen and sent them a copy of the police report. 2 years later XXXX attempted to force me to pay the debt through a debt collection company. I again submitted the police report. Now 5 years later and XXXX is again demanding payment through their debt collection company afni. They harrassed me with phone calls and many many mailings demanding money. I am sure XXXX wrote off the {$200.00} 5 years ago. Now they want me to get a new police report and send them all my info again, for something that happened 5 years ago. And this is the XXXX time they are demanding this info. This is pure harrassment. They wait 5 years to demand money again. The afni has sent many letters demanding money. They said if I do n't fill out a new report they will continue to demand money.
05/08/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 64030	Web
I spoke with XXXX around XXXX XXXX central standard time, and requested this account XXXX be placed in dispute status pending further investigation into unlawful charges by XXXX XXXX XXXX XXXX under section 201 ( b ) of the 1934 Communications Act that makes this unlawful for a common carrier. Your attempt to collect this debt is being reported to CFPB, I request arbitration with XXXX in the amount of {$10000.00} for this matter. You have ruined my credit report by preventing a low income individual, and minority business from obtaining, and securing funds needed to maintain business overhead cost. Under the commissions rules I can pursue action with the FCC, or in district federal court to collect damages to my small business. I signed up for a {$99.00} promotion, and agreed to pay {$52.00} per month, yet my initial bill was around {$600.00} plus. Furthermore after one month you add a disconnection fee of {$600.00}, when I should only owe {$150.00} plus tax for the first month. You have unlawfully breached my contract by cramming additional charges onto my XXXX XXXX XXXX XXXX account.
05/09/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97123	Web
AFNI has reported to XXXX that we owe {$250.00} to XXXX XXXX XXXX but we do not have any past due amount on our XXXX XXXX XXXX bill, our bill is current. I initially noticed that AFNI was reporting this debt to all 3 credit bureaus but I disputed it a few years ago and XXXX and XXXX both removed it from my credit because it is not a valid debt. I have disputed it with XXXX but AFNI claims that that the debt is mine despite sending them our current XXXX XXXX XXXX bill with my phone number clearly shown. AFNI has a terrible reputation for trying to collect on debts that are not valid and I believe they are trying to scam me into paying them {$250.00} for a bill that I do not owe. I am happy to submit our current XXXX XXXX XXXX bill to prove that we do not owe them {$250.00}. Not only that, I am quite certain that XXXX XXXX XXXX would have cancelled or suspended our phone service if we truly owed them this money. We have had our phone service with XXXX XXXX XXXX since 2007 with the same phone numbers and XXXX XXXX XXXX can verify this. There is no way we could owe them this money.
04/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 726XX	Web	Older American
Listed below are two collection accounts that are being reported on my credit record and neither belong to me. The XXXX account was the result of identity fraud and I provided details in the form of a police report and it was removed previously however it now reappears on my record. I have never been a customer of either company. XXXX XXXX XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Account Name XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$2200.00} past due as of XX/XX/XXXX. First Reported XX/XX/XXXX Original Creditor XXXX Creditor Info Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXX First Reported XX/XX/XXXX {$880.00} AFNI, INC. The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. First Reported XX/XX/XXXX Original Creditor XXXX XXXX Phone Number ( XXXX ) XXXX XXXX XXXX XXXX XXXX, IL XXXX
10/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30067	Web
My name is XXXX XXXX XX/XX/XXXX. I am writing in reference to an account being held by AFNI for XXXX XXXX. I asked PREVIOUSLY when XXXX XXXX held this account to be sent proof that this was MY account. XXXX ( on file with your company ) decided to STOP collections and send it back to XXXX, who then gave it to AFNI. I am still not for certain that this is MY legal account. I have not seen anything BUT billing statements, but NO letters with my signature, contracts with my signature. I ask that all COLLECTIONS be STOPPED on this account and that it be removed from my credit file if they are not able and willing to supply appropriate validation of the account. Validation is MORE than sending me a copy of a billing statement, I would like to know when this account was open, by whom, where? What documentation do you have for the account? Please send these requested items to XXXX XXXX XXXX XXXX XXXX GA XXXX. My main request is to have PROOF and if validation can not be done THOROUGHLY and professionally with the appropriate documentation I want THIS ACCOUNT REMOVED FROM MY CREDIT FILE.
10/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 380XX	Web
I have sent letters to this company seeking that they validate the debt. They have failed to do so. This company continues to send 1 statement which does not itemize the amount of debt they say I owe them. I have never heard of this company, nor have I ever did any business with them. I have requested copies of any and all letters sent to me on behalf of this company. I have not received copies of all statements, invoices, receipts, summaries of account nor any document that bears my original signature. How then can this company say I owe them but yet they have nothing to substantiate their allegation. This erroneous, inaccurate item should not be reflected on my credit reports.I have contacted this company as well as the credit bureaus ( XXXX XXXX XXXX XXXX ) seeking debt validation ( see attached ). This company continues to report this inaccurate, erroneous item to the credit bureaus. Why are they reporting that this account has terms of 1 month. Where is the proof that I agreed to terms of 1 month with this company? This company is violating my consumer rights as well as FDCPA.
07/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	FL 33193	Web
I recently reviewed my XXXX Credit Report and viewed that AFNI, Inc. placed a collection record on my credit report. I tried communicated with AFNI, Inc. and was unable to resolve the matter. They are alleging that I owe {$550.00} to XXXX XXXX XXXX. I requested a validation of debt and which they are not able to provide me. I have filed XXXX complaints with CFPB with XXXX prior Debt Collection Agencies trying to obtain this amount that I do n't owe. I do n't have XXXX XXXX XXXX XXXX. The case # are XXXX Sunrise Credit Services and Case number : XXXX Receivable Performance both Debt Collection Agencies replied that they cant provide the validation of debt and immediately removed the record from my Credit Report. The reason why they cant provide the validation of debt is because I do n't have one. It is obvious that these debt collection agencies play games and pass these alleged debts to one another in attempt to collect money that is not owed. AFNI , Inc. is proof another debt collection playing in this game and using threatening and scare tactics to collect money that is not owed.
12/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89031	Web
I have numerous problems with specific account. For a start, I don't have XXXX service. Never have. I've never had a tv network opened in my name period. In the event this happened, my identity definitely was stolen and I've informed the bureaus and police of that ( earlier this year ). I thought after going to the police that they handle it ( shows how much I know ) but that's not the case. I reached out to XXXX, asking for any and all information regarding this account. They don't even have a contract bearing my signature, accurate copy of my license, nothing. How can you say an account was opened by me with no security measures to ensure it WAS ME? Bogus. They've stopped responding after notifying them of the many violations. I then wrote the collection agency asking the same thing. No response. Over it at this point. This year has been a nightmare and I think it's unfair how some ( not all ) turn their heads when true victims of identity theft have to deal with this. I've been attempting to resolve this since XXXX with the creditors directly, with the bureaus since XXXX.
04/29/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 615XX	Web
This was an emergency room visit for my daughter At XXXX XXXX medical center of XXXX Illinois. The date was XXXX XXXX XXXX . At the time of the visit I presented them with my daughters medical card, and then several months later I was contacted saying I owed them this money because they did n't handle things in the proper manner or something. I informed them this was their mistake and not mine to which they gave me a ridiculous list of actions that I needed to take for their mistakes. I informed them that due to the time lapse the medical card program was probably not going to pick up the bill now, and since then I have heard nothing from them and I had assumed they got everything straightened out, that is until I ran my credit report today and found out I was still in collections for it. I fail to see how their negligence should be something I have to pay for both literally and metaphorically speaking. Especially considering the reason I applied for the medical card for my daughter because I could not afford to provide her with the proper medical treatments myself.
12/19/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 904XX	Web	Servicemember
I was notified by my XXXX Credit monitoring account today by e-mail on XX/XX/2022 at XXXX XXXX XXXX. That a social security number trace was established and was redirect to a new address or residence, and that if the information was not correct to contact the XXXX as soon as possible to address it. So I did just that. When I was on the phone with XXXX they looked up the alert and to whom reported this on my credit file. The customer service agent from XXXX stated it was reported by AFNI incorporated. He then went on and stated there was nothing attached to report a credit account or debt. It was removed immediately but I feel this company was trying to tack this address to my credit report fraudulently to establish a debt with me that I don't owe to them. Additionally, I'm not sure how they have obtained my social security number and then ran a trace on it. As documented in my XXXX account. I have had a lot of my personal information compromised drivers license, SS, email and phone number are currently being monitored by accounts with all credit reporting agencys
04/26/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 295XX	Web
I am very distressed AFNI have included the below information in my credit profile due to its damaging effects on my good credit standing. I have contact XXXX XXXX XXXX XXXX they have never heard of me as a matter of fact I 'm not in the system of there 's. As AFNI are no doubt aware, credit reporting laws ensure that XXXX XXXX & XXXX only report accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a home, better paying job and car for my family which was highly embarrassing and has negatively impacted my lifestyle. I 'm sure you 'll agree it needs to be removed as soon as possible. The following information needs to be verified and deleted from my credit report as soon as possible : CREDITOR AGENCY - AFNI Original Creditor - XXXX XXXX XXXX XXXX {$510.00} Please delete the collection above asap possible. XXXX XXXX XXXX XXXX Illinois XXXX XXXX
06/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32907	Web
I had several calls from a company acting like the real AFNI Collector 's agency that XXXX XXXX XXXX uses when people don't pay their bill. I called the real number for AFNI provided by XXXX XXXX XXXX and they said for several days now that their system is down. The letterhead I'm receiving is from a fake AFNI collector 's company. I noticed they have a different XXXX XXXX number and a different contact number on the form that XXXX XXXX XXXX has provided me with. The hackers or thieves trying to get money from people are sending out what looks like real bills collecting funds owed to XXXX XXXX XXXX. These are fake bills that they are posing to be the real AFNI COMPANY. AFNI does work with XXXX XXXX XXXX to collect fees not paid on a timely manner. If you don't pay the fake company for AFNI - they somehow put the amount of XXXX on my credit reports. Very serious fraudulent activity going on here. Please help by passing this on. I had done my own research to find all this out! I hope this helps someone out there. DO NOT PAY this if you know it's not your responsibility.
04/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33511	Web	Older American, Servicemember
I had ordered satellite service from XXXX. I took off work to be home when they made the connection. They did not show up. I notified them that I no longer wanted their service, Four days later while I was at work, they showed up to make the installation. I had a house guest present who knew nothing about the situation. She was tricked into signing for what she thought was certification that the installation was made. I never did sign anything, and my houseguest certainly can not sigh for me. I went through the whole difficult process of returning the equipment, which they denied receiving, until I produced the XXXX delivery receipt. They turned this in to XXXX who removed it from my credit, after I informed them of the situation. They now have used another collection agency, who turned it into XXXX, where it is on my credit again. This after I notified them with all this info. I believe that they have violated the law in this instance. This company is corrupt, and they attempt to keep customers trapped in a contract for inferior service with these despicable tactics.
08/20/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76049	Web	Older American
The collection company AFNI put a collection on my credit report it says XXXX is the original Creditor. The only thing I know is that I was at XXXX and a slick salesman talked to me about a TV service and got my information and when he explained what is was in detail I told him I did not want it and to cancel it. He said he wasn't allowed to cancel it. Then 2 days later a box arrived with some connection box came to my house. I immediately called XXXX and told them the story and told her not to charge me anything and to refund anything they had put on my credit card. She told me she would do that exactly and asked me to send the box back to them with the return label inside the box. 10 minutes after I talked to the XXXX representative I did exactly that and considered the infuriating issue to be settled. Now I was looking at my credit report to see why my FICO score had gone down and I found out that I had a collection from them on my report. This is fraud plain and simple starting with XXXX using fast talking salesmen to get you to take a service they offered.
07/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 442XX	Web
In XXXX of XXXX, I contacted XXXX XXXX via an online chat message. I asked them how I could start cellular service with them. They mailed me two new SIM cards, that ultimately didn't work for me, so I NEVER signed up for service with XXXX XXXX, and per them, I disposed of the useless SIM cards. 2 months later, I began to get bills from XXXX XXXX all day long. After about 1 week 's worth of calling there and being bounced between customer service and the fraud department, XXXX XXXX was able to verify that I had NEVER used their service, and they sent me an email stating that I didn't owe them any money and that the matter was closed. Two weeks later, I am getting a bill from a collections agency called AFNI for an amount of {$230.00}? That wasn't even the amount that they said that I owed. I have an email from XXXX XXXX which confirms this. How can I get these people to STOP calling me about a debt that isn't even mine? Now, the debt collection agency tells me that I have to file a police report? A police report for what? Not taking XXXX XXXX service? Please help
05/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DC 20002	Web
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an allege identity theft, not later that 4 business days after the date of receipt. it has been 30 days and your are in violation of this law because i am a victim of identity theft!!!! please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion to the accounts listed IMMEDIATELY!!!!
01/26/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75052	Web
XXXX XXXX XXXX representative essentially stole our " trade-in '' phones without the company every providing the agreed upon service discounts. We attempted to resolve with the company over several months. We finally terminated services and the account was turned over to collections. We disputed the account directly with XXXX XXXX XXXX and the collection agency. XXXX XXXX XXXX offered to remove the collection in exchange for a release of their liability. After agreeing to this resolution, XXXX XXXX XXXX never sent the release and simply transferred the debt to a different collection agency ( AFNI ). In every way, this organization has acted in bad faith from the service initiation more than two years ago until the present day. We have spoken with several XXXX XXXX XXXX representatives who acknowledged that they have heard of similar situations of people being " screwed '' ( actual XXXX XXXX XXXX employees ' words ) by home representatives ( that come to your home when you're having services installed, e.g. internet/VOIP, and upsell additional services ).
06/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77449	Web
After sending in the dispute, saying that the debt reported was not mine and did not belong to me and asking for proof to verify it, or delete it. To my knowledge, I discovered that as per the Fair Debt Collections Practices Act, it is illegal to collect money for something when you do not have any legal standing to collect that debt. After asking for the debt to be removed since as they can't prove debt validation of a contractual agreement with AFNI. They are illegally trying to collect money from me, and they are hurting my livelihood by reporting fraudulent information on my credit report. They are breaking the law and I take this very seriously. According to the provisions of the Fair Credit Reporting Act 623. Responsibilities of furnishers of information to consumer reporting agencies 15 U.S.C. 1681s-2 Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
09/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22191	Web
On XX/XX/XXXX I disputed an account reported by XXXX XXXX ( Original Lender 11 XXXX XXXX XXXX ) in the file maintained under my Social Security number. I was informed on XX/XX/XXXX that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report under the name Afni Inc on XX/XX/XXXX under two different account numbers for XXXX and XXXX. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification.
05/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AE XXXXX	Web	Servicemember
I had an account with XXXX XXXX XXXX XXXX prior to moving overseas. I turned the equipment in and received a yellow slip confirming my return of the equipment. I satisfied the remaining balance and the company sold the account to AFNI, Inc. I've disputed this account with my credit bureaus and the company continues to come back saying the information is correct. I have no account with AFNI and have asked that they provide a signed agreement between their company and me if they will continue alleging this is a valid collection. XXXX XXXX XXXX XXXX : They've charged off my account, but haven't given any information on what to do next. I called each month in 2017 asking where to pay my balance and was told the company charged my account off and they couldn't take payment to settle the amount shown as owed. It still shows as a balance due and I don't have the title. I've not been given options to satisfy the account. XXXX XXXX : This is too old to be on my report. It was discharged in Chapter XXXX Bankruptcy 4 years ago and has inaccurate data.
10/06/2015	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	NY 10021	Web
The debt collector has repeatedly called and sent messages. i have responded in writing on five separate occasions. the collector alleges that i have a debt in excess of a {$1000.00} for subrogation of an insurance claim from an auto incident that occurred in XX/XX/XXXX in XXXX XXXX. There was an incident but the police determined that there was no liability and that they could not assign fault and clearly stated that each insurance company should pay the damage ( mine was a rented car and XXXX XXXX covered the damage to my car ). neither the police nor any court made a determination of liability but Afni insisted that XXXX ( the other persons insurance company ) determined I was liable. They do not respond to my written explanations and after researching them, I have learned that they have often destroyed people 's credit ratings based on circumstances such as these. On the phone, they repeatedly state I am liable but I am unclear on how legally a company is able to unilaterally ascertain liability and hire a credit agency to harass a person.
11/26/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37206	Web
XX/XX/2019, AFNI INC, caused my phone to ring attempting to collect an alleged debt. The prerecorded greeting states they AFNI is a debt collection agency and they are actively attempting to collect a debt. It further went on stating all information collected during the phone call will be used to collect alleged debt. When the male associate picked up, he immediately assumed my identity. His first words were " XXXX XXXX? '' The associates I spoke with did not identify themselves, I had to ask them for their names repeatedly. I do not have any CONSUMER INITIATED accounts open with AFNI INC . XXXX, the second associate of AFNI that I spoke with, informed me that they collected my information from the XXXX XXXX data base, but she would not disclose any information on the alleged debt. She stated she can not give me any information without me first verifying my personal information such as my current address. XXXX also informed me that I did not sign any release of information or any contract with AFNI, that they are a third party company.
11/17/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 313XX	Web	Older American
I cancelled my service with XXXX XXXX XXXX because I was moving, and had my internet, phone services bundled with another company. Payment to XXXX prior to cancellation was through bank drafts. XXXX continued to draft after cancellation. The bank told me the only way to get my money back from the draft was to file a fraud report with them, which I did. The bank repaid the money taken out of my account. XXXX continued to try to collect. I wrote a letter after threats from them. XXXX sold the account to some other collection agency, who called constantly to collect, even offering to reduce the amount I owed. Wrote letters to that collection agency. Another company continued to call for a while, each time I explained the circumstances. However I see there is a {$50.00} unpaid amount on my credit report from some collection agency. Also, the lien from XXXX County was placed in error, and has since been removed. I have never lived in XXXX, N.C. Rental property of my father 's, and I had utilities activated in my name for repairs to sell.
12/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 15221	Web	Servicemember
For over two years, XXXX XXXX aka " XXXX '' has been filing false information on my credit report and harrassing me via unregistered collection agencies attempting to threaten and extort me for money thay i do not and never did owe them. They have threatened me personally, as well as bullying and threatening my neighbors im vain attempts to gain access to the apartment complex in order to " reclaim '' property that they claim I have stolen from them, as well as threatening to meet me outside the door and attempt to strong arm me for the money. When these efforts failed and I accosted a XXXX employee who made these attempts, they proceeded to make monthly false credit report notifications and sell my personal information illegal to third parties mafia-style. This has to stop. I not only want government involvement, I am warning that the next XXXX employee to set foot on the property is getting shot dead, and since I have filed numerous reports with both local police and local politicians, this will now be elevated to criminal court as well.
07/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30350	Web	Servicemember
Hello, on XX/XX/XXXX I received an MyFICO alert informing me a collections was added to my account. I immediately logged in to check. Its a collection thats being reported from AFNI for XXXX. Ive NEVER held an account with XXXX. I contacted XXXX and they opened a dispute for me. I ALSO contacted AFNI asking what this collection was about and they couldnt answer me. I asked if they could provide me with a BILL and/or signed contract and the woman told me she couldnt locate one. If you cant locate a a signed contract, then what exactly are you holding me XXXX for? AFNI reported a {$200.00} collection a couple years ago, and I had it removed. So NOW, theyve added a NEW collection account and added {$200.00} to it. Thats unacceptable. Ive heard many stories about AFNI being reported in XXXX practices but this takes the cake. Theyve only reported it to ONE bureau, which is one of the major reasons I know this isnt accurate. Please assist me with ridding myself of the harassment and horrible collection practices of AFNI. This HAS to be illegal.
07/13/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48185	Web
Your agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce within 10 business days stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This will is a Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
08/23/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30223	Web	Servicemember
AFNI is collecting from the original creditor, XXXX XXXX XXXX. AFNI is currently reporting on my credit report that the debt was opened in XX/XX/XXXX. I have disputed this with the credit bureaus multiple times. AFNI did not respond to my letter to validate said debt. The last time I had XXXX XXXX XXXX was in XX/XX/XXXX. I have no knowledge of this debt but if I did, the statute of limitations for Florida ( where I resided at the time I had an XXXX XXXX XXXX account ) is 5 years per F.S. 95.11. That being said, if I owed the debt in question, this debt would have been barred in XX/XX/XXXX. AFNI has previously received numerous complaints that the company re-aged debts as soon as they reached the statute of limitations. A reasonable person would concur that AFNI has re-aged a debt in this case, as again, if I owed the debt in question, it would be barred from collection practices as of XX/XX/XXXX. AFNI provided no debt validation for me to review. I have no knowledge of this debt. Please assist. Afni, Inc. XXXX XXXX XXXX XXXX, IL XXXX
04/28/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	LA 70068	Web
Afni Inc is reporting a debt of {$320.00} that I do not owe them. They claim to be servicing a debt on behalf of XXXX XXXX XXXX but I 've never had an account wit XXXX XXXX XXXX XXXX before. Not just that, at this very moment there is another collection agency under the name " XXXX XXXX '' who is also reporting this same account to my credit? How can XXXX collection companies be collecting on the same debt? Is n't that illegal? I am attaching a screenshot from a recent report which shows how XXXX XXXX is reporting this to my credit with a different account number. I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by these XXXX collection companies. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them. The account number for Afni Inc ' s debt is " XXXX ''. My report indicates that the account has an " open date '' of XXXX XXXX
07/19/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AR 72116	Web
On XXXX XXXX 2017, I sent a certified debt validation letter to the company that that I believe to be known as AFNI, XXXX, and XXXX. I am not sure what the actual name of the company is because according to my credit reports, all of these names belong to the same company. I believe them to be headquartered out of a facility in XXXX, IL, per my credit report. Upon the receipt of my validation letter, the before mentioned company " flagged '' the account that was on my credit report as a " collection ''. Information was also altered. This was brought to my knowledge because of the alerts that I have on my credit report. They should not have done this. With this company taking this action they have violated a policy of The Fair Debt Collection Practices Act. According to the FDCPA they were supposed cease collection practices of this debt, which would include altering my credit reports, until satisfactory proof that I owe them this alleged debt was sent and received by me. This was not done so they are in direct violation of this policy.
06/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CO 80634	Web
I have been disputing acct # XXXX from XXXX XXXXBack in XXXX 2015 XXXX had this account # XXXX and I made a settlement offer of {$320.00} owning no more. I guess communication was lost between them and XXXX. XXXX then sent me to another 3rd party named Afni acct # XXXX saying I owe {$130.00}. I spoke to numerous people from afni and they said to send an email that states that I did a settlement with XXXX sent very letter that will be attached with this. I Then called XXXX at XXXX XXXX on XXXX/XXXX/2015 and spoke with XXXX XXXX XXXX XXXXHe was very confusing and had said he 'd wave all this as a XXXX? I 'm not sure what this meant the gentleman was very hard to understand. I then Got email back from afni on XXXX XXXX saying I still owe {$87.00}, I now have spoke with a XXXX with XXXX mst on XXXX/XXXX/2015 XXXX XXXX. she said it 's all on XXXX sideso I called and spoke with a XXXX XXXX ( XXXX ) she instructed to give afni the letter again that the account is closed and a the balance is {$0.00} and to close this account with afni.
06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77047	Web	Servicemember
On XX/XX/2023, it has come to my attention that XXXX XXXX AFNI, INC., AND XXXX XXXX XXXX have included an unfavorable remark on my credit report, as indicated by XXXX XXXX XXXX I want to assert that this account is fraudulent and was never associated with me. Upon conducting a thorough investigation, it has become evident that this account has been transferred or sold, and I bear no responsibility for this fraudulent activity. Additionally, the credit agency responsible for this collection has failed to verify its legitimacy, and no written communication, contact, or signature pertaining to this alleged debt has been provided. It is essential to recognize that a bill lacking a signature does not validate the debt, as anyone can send an invoice and falsely claim it as mine. In light of these circumstances, I must highlight that XXXX XXXX has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.
03/26/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 32807	Web
On XX/XX/XXXX I disputed a collection company named XXXX who was a Debt Collector for XXXX the Original Creditor Date Opened ( not available ) as a collection, NO Date provided. Balance Owed {$1200.00} reported by XXXX. This account was REMOVED for non production of the debt within the 30 days of dispute, because I do n't owe it. Transunion will have the credit report where the company XXXX account was removed within the 30 days. The DEBT WAS SOLD to another collection company named AFNI and I was NEVER notified that this collection company was now assigned this debt I do n't owe. On XX/XX/XXXX this negative debt was put on my Transunion Credit report, which has negatively affected my score by XXXX to XXXX points since XX/XX/XXXX. I feel that this is an illegal activity under the Debt Verification Rule within the 30 days there was no proof of the debt and be sold to another collection company. There was no written documentation sent to me. The negative debt was removed and then added back under a different name without notice.
08/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30324	Web
In XXXX of XXXX I moved into my new home at XXXX XXXX XXXX XXXX in XXXX. My new home was new construction and when I called XXXX to transfer service from XXXX XXXX XXXX XXXX XXXX advised that they did not have the infrastructure to provide service to the newly constructed home. The tech on the phone explained that since XXXX was not available yet in my new neighborhood there would be no termination fee. I subsequently took the XXXX equipment to the XXXX store in XXXX, and the store tech re-confirmed that there would be no termination fee. I returned the equipment and paid my bill in full and got a receipt. Subsequently, I received a bill from XXXX for the equipment and termination. I called them multiple times to remove the charges. Nonetheless, the bill was sent to a collection agency last year. I disputed the bill and remitted the receipt for the equipment. I requested that the Collection Agency ( AFNI ) to revise the statement with a XXXX balance and send the statement to me. AFNI has failed to send me a corrected statement.
03/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 33860	Web
RE : AFNI Account XXXX For the last couple of years, I have noticed an account being reported to the major credit reporting agencies, i.e. XXXX and XXXX, regarding an amount AFNI is collecting on for XXXX in the amount of {$1500.00}. I finished and fulfilled the terms of the original contract and discontinued service. Apparently XXXX renewed the contract anyway and then added early-termination fees. I have disputed this debt to AFNI multiple times, since the information they are reporting is not accurate, but AFNI does not appear to be taking any steps to investigate the dispute. I understand they are relying in part on information from their client, and they are in the business of debt collection and doing their job, but they do have an obligation to investigate and correct inaccurate credit information. I simply wish for ANFI to discontinue collection, send the debt back to its client with an explanation of my dispute, and request whatever information it reported to whichever credit bureaus it reported it to, to be removed.
07/25/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32526	Web
A collection agency by the name of AFNI showed up on my credit in the amount of {$1300.00} in or around XX/XX/XXXX/XX/XX/2018. I disputed the amount at that time and requested for them to validate the debt by showing my original signature and contract showing this amount. I have no contract or signed any documents with AFNI. I also requested validation of a contract between them and the original creditor. I was informed they did not have information on the account and it would have to come from XXXX. XXXX no longer has the account and they are not reporting it. I again requested validation of the debt in or around XX/XX/2018 and was again informed they have no information on the account. I called on XX/XX/2018 in one last attempt requesting validation of the debt and was informed once more, that they have no information and can not pull my file. AFNI has failed to validate this debt or provide any documentation with my original signature or contract within 30 days I request for this collection to be deleted off my credit report.
01/25/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60051	Web
I have requested debt validation from this company by mail on two occasions. I have not heard back and dispute the validity of this debt. I have not received anything in the mail that would indicate that I am the person responsible for this debt. Furthermore ; on XX/XX/2020 the business entered into a consent order with the United States of America Bureau of Consumer Financial Protection. The consent order settles allegations that the business Afni furnished information to consumer reporting agencies ( CRAs ) that it knew or had reasonable cause to believe was inaccurate and failed to report to CRAs an appropriate date of first delinquency on certain accounts. The Bureau also found that Afni failed to conduct reasonable investigations of disputes made by consumers both to Afni and to CRAs about furnished information and failed to conduct investigations of disputes made to Afni in a timely manner. I believe that I am one of the persons who your company failed to do a proper investigation of an alleged debt in a timely manner.
09/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 210XX	Web	Older American
I had a phone account with XXXX. As I was traveling abroad frequently I requested them to charge only to keep my number active. They did ask me to pay {$20.00} per month for one or two months and then refused to do any extension. so after two months they started to charge regular amount of $ 52.00+change, I then called them to disconnect my account and sent them my final payment of $ 52+change. They did not cancel my account and kept billing me for next two or thee months. When I called them why are they still sending me bills, when I had canceled this account. There reply was that they have no record of my calling them and still have to pay three months and late fees. I refused to pay as I was not responsible for their mistake. This is about four years back. I never received any letter from any credit company. Now they have put on my credit report thru some AFNI credit.This is more of a black mail as these companies can getaway because they are too big & nobody can fight with them.This so called debt is about four years old.
05/29/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 604XX	Web
I attempted to switch my television/internet/phone services to XXXX around XXXX 2014 . I had XXXX working phone lines in my in which were not ported over, so I was left without working phone and internet services. I also experienced technical issues with my television services as well. I stayed in constant communication with XXXX as I did not have properly working services and I was always bounced to my previous provider of XXXX to handle the issue, in which they could not because my services were taken over by XXXX . I spoke numerous times with XXXX technical support and porting services and to no avail services were not fixed and I switched back to XXXX . I was informed that due to the trouble that I experienced, I would not owe a bill, it would be settled and now I have a bill reported in Collection, which I received no notice of prior to reporting to the credit bureaus. I spoke with XXXX customer relation a couple of months ago to have this matter taken care and I basically informed that I owed the bill.
09/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 490XX	Web	Servicemember
There is an XXXX XXXX XXXX debt collection for {$550.00}. The debt is from a home I lived in with my parents when I was in high school. I have the same first and last name as my father. There must have been a mix up with tagging me with a collection that was intended for him. I never put any XXXX XXXX XXXX service under my name ever and especially not as an XXXX year old kid. If the company would logically look at the dates of the collection it makes no sense that it could be my debt. As I spoke to the collections agent he explained the debt was from XX/XX/XXXX. This was only a month after my XXXX birthday ( XX/XX/XXXX ). Even if I did open up XXXX XXXX XXXX cable service as an XXXX year old, there is no logical way that this much debt could have taken place in such a short time. It is a shame that such a simple mix up of XXXX " XXXX XXXX '' living under the same address, could be causing me so much credit pain. I have never had cable service with XXXX XXXX XXXX and this collection is being falsely charged under my name.
04/21/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60637	Web
2016 my Comcast account ( now known as XXXX ) was closed. The account balance was subject to a return of equipment ( a remote control device ). They billed {$800.00} for the equipment. I had a conversation with a representative about how to resolve this matter. The company 's required me to either return the devices or pay the the fee.after two years I have retrieved the device. I have tried to contact the department that could provide closure to this matter and remove the erroneous item on my credit report, to no avail. I also sent them a verification of the account reported on my credit history, With a 45 day response, to no avail. I reported this information to the credit bureaus but they did not properly process my findings. I have the device in question and would like the negative item removed from my credit history.. The account number associated with this matter is XXXX XXXX XXXX This account was closed in 2016. By my account this is 7 years ago.. it should be removed From all three credit bureaus agencies..
03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20602	Web
I recently reviewed my XXXX consumer report and discovered AFNI , INC has opened up an account in my name fraudulently without my authorization violating my rights under the FCRA 15 usc 1681, a federal statute that governs the accuracy, fairness and privacy of consumer credit information and outlines the requirements of consumer reporting agencies and the procedures for investigating and correcting inaccurate information in which have been violated per 15 usc 1681b ( a ) 2, 15 usc 1681 s-2. I have not initiated any transaction with AFNI INC . This account on my consumer file is damaging my reputation and character and causing harm to my financial standing. Unless they can provide proof of a signed contract between me and AFNI , INC I demand deletion of this account immediately. AFNI , INC has knowingly transferred, possessed, or used, without lawful authority, a means of identification of me which is against the law. As a federally protected consumer I have a right to privacy and my consumer rights have been violated.
12/20/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60617	Web	Older American
I signed a 24 month contact with XXXX on XX/XX/XXXX the contact ended XX/XX/XXXX, They were supposed to Bill on the third of each month starting XX/XX/XXXX. XXXX instead billed me the XX/XX/XXXX because they said they would be billing a month in advance. After 3 months of service they increased the price and changed my billing date to the XXXX of the month. I still made all 24 payments and cancelled service. They wanted me to get a new contact for another 24 months at {$200.00} a month so I would not sign. called them took all their equipment back on the XXXX of XX/XX/XXXX they said I would get a {$29.00} dollar credit, but then they said I owe them because they bill in Advance, I sent them a copy of all XXXX I paid, now they are saying I own it For XXXX that would make me pay 25 months and if I hadnt paid XXXX why would they bill me {$200.00}, they have turned it over to A collection agency even though I sent them a copy of all payments. I did not have or use service after the 24 months. With that big jump in price
06/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76119	Web
I pulled my credit report to find that a collection from AFNI was on my report to collect money for XXXX ( Collection ( Account Number # XXXX ) ( Amount Owed {$590.00} ). I contacted the AFNI office using the contact number from my credit report. I was told that the bill belongs to my husband and that I was responsible for this bill. I told them that I have not received any mail with my name and information asking me to pay. I had no idea that my husband owes this amount and after speaking with my husband he too had no idea. I am asking that this item be removed from my credit and that my husband be properly notified so the bill can be paid if it belongs to him. AFNI did not follow FDCPA laws which prohibits unfair and deceptive practices to collect. My husband XXXX XXXX is a man of integrity and would be happy to address this issue. I am seeking resolution for this mix up and request that this item be removed from my credit file ASAP .Thank you for your time it is greatly appreciated. XXXX XXXX Cell XXXX TX XXXX
04/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11102	Web
On XX/XX/XXXX, I was sent a letter by XXXX saying that my personal information was compromised as a result of a data breach. On the same month, a debt collector XXXX XXXX reported a XXXX account that was opened on my name in Michigan ( never lived there ) and unpaid balance of {$840.00} that was reported in collections to the three credit bureaus. I successfully disputed that account and got them to remove it from my credit report. That account was then sold to XXXX XXXX XXXX with the same thing and they too reported to the credit bureau that it was under collection. Again, without sending me a letter verifying the validity of the debt. And so, both XXXX XXXX and XXXX XXXX are in violation of CFPB as they never contacted me and immediately went to credit agencies. Now again in XX/XX/XXXX, AFNI INC is doing the same thing and the account is currently under dispute. As soon as I told AFNI that they never sent me a letter notifying the validity of the debt, they then sent me a letter. Clearly violating the practices.
07/07/2020	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	IL 60120	Web
Hello, I'm seeking you out today in regards to AFNI COLLECTIONS. This company has been calling me and harassing me to pay a debt i do not owe. I have asked them several times to stop calling me and to take me off their call list. My wife and I are in the process of becoming 1st time homeowners and i'm worried that if this issue is not resolved i will not qualify for a mortgage loan. Afni has not mailed me any documentation pertaining to this debt. I have mailed them a certifed debt vaildation letter request and they have not mailed me anything back yet. On XX/XX/2020 i spoke with XXXX, who stated if i didn't pay this debt of {$170000.00} that they would call the DMV to suspend my license. I do not believe they have been using fair communication tactics. My wife is XXXX and this is causing so much stress because we want to welcome our XXXX in a home of our own, but this is currently hurting my credit and driving priviliges. Please let me know how you can help to resolve this issue. XXXX Bless!! XXXX XXXX
08/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77038	Web
I have been trying to resolve an account with the company AFNI, inc. The account number with AFNI is : XXXX. I have written a letter in XXXX of 2020 to this company regarding rectifying this account and I have not received a response. I have also sent letters in XXXX, 2020 asking for verification and method of verification for this account. THIS COMPANY DOES NOT RESPOND TO MY LETTERS. I have also disputed this account with XXXX and XXXX both online and written letters. This account was disputed in XXXX of 2020, and nothing has been done to rectify this. The account number for AFNI on my credit report is : XXXX. This account with AFNI has been removed from my XXXX report. This account is inaccurate and falsely reporting because it is not a validated account according to the FCRA and has already been removed from my XXXX report because of this reason. I am requesting that the item be deleted to correct this information. Please do a full investigation of this item and delete disputed item as soon as possible.
11/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77018	Web
On XXXX XXXX I checked my credit reports and I saw a debt that I did not recognize. The original creditor was XXXX for the amount of {$470.00}. I disputed the account on XXXX through all 3 credit bureaus. On XXXX XXXX, XXXX the account was removed from all 3 credit bureaus due to company unable to verify the debt within the time frame given. However, 1 year later, XX/XX/XXXXthe account re-appears under a different account number with a collection agency AFNI. AFNI is now in direct violation of the credit law by keep reselling this account. They removed it and then re-added this account several times which is continually ruining my credit. I have been asking this company to verify the debt. I have disputed this to the credit bureaus several times as well as directly with the company and original creditor and no one has been able to verify this account. Please remove this account from my report it does not belong to me and it is affecting my credit report negatively making it difficult for me to obtain new credit.
07/10/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CO 80904	Web	Servicemember
Hello, I am a XXXX XXXX Veteran when I transistioned out of the service in XX/XX/XXXX-XX/XX/XXXX I fell into a state of homelessness and was unable to pay my bills. Since then I have been able to somewhat recover and attempt to get back on track with my financial responsibilities. During this period I was unable to pay my cell phone bill with XXXX XXXX XXXX. They have since sold my debt to collection companies ( multiple ). AFNI inc opened : XX/XX/XXXX amount : {$1400.00} Original creditor : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX amount : {$1400.00} Original creditor : XXXX XXXX My complaint is the fact that they sold my debt to multiple companies who are currently both trying to collect on me. How can I be forced to pay my debt twice to XXXX seperate companies. I have attempted to dispute this information on my XXXX, XXXX and XXXX credit reports to no avail. I have been told I can not dispute that fact that they are the same account because the orginal creditors are not the same ( XXXX XXXX XXXX, XXXX XXXX ).
04/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43147	Web
AFNI # XXXX XXXX XXXX XXXX XXXX IL XXXX have a a unverified account from XXXX XXXX XXXX XXXX I had previously disputed this account. I have never done business with AFNI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt AFNI purport I owe. I request that AFNI Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
01/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30324	Web
About 1 1/2 ago I found out Afni was on my credit report when I moved into my new apartment. The afni credit collector is affiliated with XXXX. The apartment building I was moving to had XXXX built in the rent and brought this to my attention as I had to set up a new XXXX account through them although I had already been with XXXX for several years prior. I called XXXX to try to figure out this account and they informed me after doing their investigation that this was actually under a XXXX XXXX NOT XXXX XXXX and they were unsure why it was hitting my credit. Ive been with XXXX now xfinity for almost 10 years and have never been in bad standing with them so I was really confused up until I called them and they did their investigation. I spoke with afni and they were very rude and told me I had to pay it still. I was able to dispute with the credit bureaus and it was removed. However, my credit was updated today and the same Afni account is back on my credit report reporting a delinquent account that is not mine.
07/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33319	Web
A settlement agreement was made with the creditors ( XXXX ) collection agent ( AFNI ) to reduce the amount owed due to hardship to {$450.00} from {$650.00}. An immediate direct debit payment of {$150.00} as was made as advised to secure the settled reduced amount and a further {$330.00} was deducted few days later. I spoke with the rep to clarify the payments were received and was promised that a settlement letter was to be sent to me ; it was never received but i did receive further letters from Direct TV in forming me that I still owed this debt in full. On the XXXX XXXX 2015, I spoke with a XXXX rep and a XXXX supervisor who both told me that the arrangement made with their collection agent has nothing to do with XXXX and I still owed a balance which I still do not understand. Please explain why XXXX XXXX has a collection company offering settlement options to its customers and how they can relinquish the agreement after receiving the said settlement without notice or advise that they are able to do this.
02/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 37042	Web	Servicemember
Some company named Afni Collections called me claiming that I owed {$260.00} to them from a charged off account at XXXX. I did have an amount owed at XXXX, but I had just spoken to them a week ago when I shut off my service and returned equipment. They told me that I could pay the balance at the beginning of XXXX when the final statement was available. Afni Collections tried to tell me on XX/XX/22, that XXXX already turned the debt over to them on XX/XX/22, which was XXXX days after I spoke to XXXX. I didn't believe them so I called XXXX to confirm that they still had the debt and it wouldn't be turned over for 3 months, that was their policy. I don't know how this company got my information, but they had my account number with XXXX, my address, phone number and the exact amount owed. They also threatened to hurt my credit score if I didn't pay it. I'm upset that this company is trying to collect debt that they don't own, but I'm also concerned if XXXX is telling the truth about not turning the debt over.
08/17/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	SC 299XX	Web	Older American
XXXX came in my absence from my XXXX home atXXXX XXXX XXXX, XXXX. It was observed by my property manager that the destruction that ensued was major and costly to repair including holes in the wall, bending the aluminum opening of the sliding glass door to enter when it was locked and installing the cable modem on the wrong side of the room. My complaint went unheard, their only offer was to send someone, ( right, once a destructive burgler has entered your home, you MUST always open the door for them, on subsequent occasions, how about oh ... ... never ) They sited my agreeing to a contract ( no, it was not I ) it was someone who was NOT the owner of the residenceUnder NO CIRCUMSTANCES would I ever agree to have my home damaged ( I had just bought it, when this occurred ) Then they damaged my, NEVER LATE ON ANY PAYMENTcredit historyThis has already happened to me, but some strong negative reasons should be given this greedy, unresponsive, credit damaging company, to NEVER again do this to the next customer.
01/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19013	Web
Afni , Inc. has been attempting to take actions against me in the amount of {$2000.00}. It is showing on my credit report that the account was opened XX/XX/22. The original account was opened with my card by someone else, against my consent, and they signed their signature to open up multiple lines with sprint, but used my debit card to pay at the time of opening the account. I tried to inform the original creditor, XXXX, of this and they refused to close the account, even after the same person who opened the accounts without my consent, stole the phones and hijacked the account. XXXX would not allow me to close the account or remove any of the phones from the line. I have requested proof and a breakdown of all of the charges on the alleged debt as well and was not provided with that information. I also asked for proof of the original contract and the name listed, as it was signed by someone else and I have not been provided with competent evidence that I have any legal obligation to pay Afni , Inc .
04/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43224	Web
AFNI, INCXXXX .I have a a unverified account from AFNI , INC . I had previously disputed this account this account. I have never done business with AFNI , INC Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of th debtAFNI, INC purport I owe. I request that AFNI , INC Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI , INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account NumberXXXX
05/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44128	Web
I received a letter of communication from this company on or shortly after the first of XX/XX/2019. The letter of communication claimed I owed a debt to XXXX and that I had 30n days from the date of the letter to request that AFNI. Inc validated this claim that I owed XXXX. I in turn sent AFNI not only a validation request with was received and signed for by the company my communication also included all required information regarding Identity theft. AFNI, Inc is not only in violation of my rights because this alleged debt has been posted to my credit files without proper validation. AFNI, Inc has also blatantly chosen to not follow and abide by federal law outlined in the Notice to Furnishers of Information regarding Identity theft victims. If AFNI, Inc was following the laws outlined for them in the FCRA I would have received validation before they ruined my name and credit rating with inaccurate erroneous fraudulent information. AFNI, Inc must remove this information from my credit files immediately.
09/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91335	Web
I received a threatening collection notice letter from Afni Collections at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They claim I owe {$1000.00} for an overdue XXXX XXXX XXXX balance. Pretty silly considering Ive never had an account with XXXX XXXX XXXX. I called and told them this. They were extremely rude and told me it was in my best interest to pay the balance. I refused and told them not to contact me again. They then sent me a second letter claiming theyd accept a discounted offer payment of {$600.00}. I called again and asked what type of money grabbing scam they were pulling and that this was a done issue as I DO NOT have an XXXX XXXX XXXX account. Today I was informed that a collection account was reported by them to XXXX and is now on my credit report. I called XXXX and and filed a dispute through them as well as reporting them to the XXXX. Id also like for you to assist and ensure that they stop contacting me and remove the false collection account from my credit report. Thank you
03/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
A collection agency named Afni, Inc. is trying to collect a debt from me of {$5000.00}. They claim to be collecting on behalf of XXXX. Afni says they are willing to accept {$2500.00} from me as a discounted offer. This is not money I owe. The account number is : XXXX. The creditor account number is : XXXX I do not owe money to XXXX and I have never had an account with them. I suspect this is fraudulent activity and harassment. I have contacted XXXX and they agree that I have never had an account with them. They have no record of any accounts under my name or SSN. Afni, Inc is threatening to report this fraudulent debt to credit bureaus. In XXXX of 2020, a different credit agency, XXXX, claimed that I owed {$5700.00} to XXXX and reported me to the credit bureaus. I disputed my debt with XXXX and made a complaint to CFPB. Again, XXXX corroborated by claim that I've never had an account with XXXX and have no outstanding debt. XXXX stopped contacting me, but now I am being harassed by Afni, Inc.
09/30/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77014	Web
I have been disputing this account for some time now with AFNI. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they sent back documents that still do not prove that I am the owner of this account or that this debt is mine. They have responded to my dispute and have verified this as an open account but they have failed to provide sufficient documents that show if I am the true owner of this account and debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I was under the impression that if they did not have valid proof that this account belongs to me that it would automatically deleted from my credit reports. I am sure there is a law that proves it.
08/26/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32405	Web
Hello : My name is XXXX XXXX. I have a complaint in regards to a debt collection agency named XXXX. XXXX. I disputed this debt and recieved the following from XXXX. XX/XX/XXXX Completed XXXX XXXX XXXX Reported on XX/XX/XXXX {$1100.00} Item Results Result : Deleted - XXXX has deleted the account or record from your XXXX credit report. Dispute Reason Ownership : This is not my account. It belongs to a relative or a person with a similar name or address. Dispute Results From XXXX I log on to my XXXX XXXX report, on XX/XX/XXXX to find this company has now sold this non-valid debt to AFNI, Inc. phone number XXXX two days after the completion of this report on XX/XX/XXXX. AFNI , Inc. has now reported this to XXXX further damaging my credit. I attempted to dispute this directly with XXXX ; however, now XXXX will not let me do so due to the system being temp. down. This is not okay and I expect results. These debt collectors practices are illegal and should be prosecuted to the full extent of the law.
07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48210	Web
AS OF XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING ON MY CREDIT PROFILE AND CONSUMERS REPORT AFNI , INC . Original creditor : XXXX XXXX XXXX XXXX Contact info Name AFNI , INC . Address : DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT. A police report was filed back in XXXX for this fraudulent account. I submitted all required documentation to the FTC, Michigan Attorneys General office and the XXXX. Yet, this fraudulent accounting is still being reported by afni. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b.
11/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 235XX	Web
On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX which they received on XX/XX/XXXX asking for validation of a debt that tgrh stated I owed. XXXX XXXX XXXX was unable to provide that information because so they stated they would give the account back to XXXX XXXX ... Shortly after I seen that I now had a XXXX XXXX debr on my XXXX report through a company called XXXX in the amount of {$1.00}, XXXX in which I was never notified by XXXX via mail in reference to this debt, lastly I received a bill from a company by the name of Afni for XXXX XXXX with a debt amount of XXXX ... These companies has failed to provide any proof that this is my debt and XXXX XXXX keep selling my account to multiple people without any contractual obligation from me ... I asked that this account be removed from my report by XXXX, I ask that my information be taking from Afni system and not to be sold or transfered to any other company because they have failed to provide me with the audit trail of the said account ....
07/02/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98033	Web
XXXX XXXX 2017, XXXX pst I received a call from XXXX, the representative would not give me his name when I asked who was calling, he aggressively asked my name, I asked what company he was calling multiple times he finallly answered XXXX, I stated I am not familiar with this company, and due to his aggressive nature I ended the call. I believe that this fraudulently attempt to collect, is stemming from an incident where XXXX XXXX XXXX filed a fraudulent insurance claim against me with XXXX XXXX XXXX-17 my Insurance Company, XXXX denied the claim as I was Not involved and Not judged at fault for the incident and XXXX denied the claim. I have not received any legal letters of debt validation from XXXX XXXX or calls emails or any other communications. Whatever the case may be, I will seek legal council regarding the many fraudulent practices of XXXX, Inc. the collection agency involved and supposed debtor XXXX XXXX XXXX in this illegal activity. XXXX, Inc. XXXX XXXX XXXX, XXXX IL, XXXX.
06/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 809XX	Web
I moved and transferred my XXXX account to my new address in XX/XX/2022. Since I moved from the XXXX XXXX to the west coast they had to transfer me internally from east accounts to west. They went ahead and cancelled my service internally so they could transfer account manager. Then they charged me a cancellation fee even though I never cancelled. I never received a notice until XX/XX/2022 when I received it from a collections agency AFNI. I spent XXXX hours on the phone with XXXX on XX/XX/2022 where they explained what happened and apologized and said the debt would be cancelled but it was out of their hands they claimed their emails warning me were stopped by their system as my account was never cancelled so I shouldnt receive this notice. I kept getting harassed by the XXXX company and finally ended up paying a debt I never owed. Even though I paid they still struck my credit report. XXXX has apologized but said they have no way to fix their error. Their error has wrecked my credit.
03/30/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30274	Web
[ person whose name appears on agency 's notice to you ] : Thank you for your recent inquiry. This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Be advised that I am not requesting a " verification '' that you have my mailing address, I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communication with me. Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. Sincerely,
08/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30253	Web
Today on XX/XX/2019 looked at my XXXX report and seen there was a collection on my Account from Afni, Inc. So I called and spoke to XXXX at XXXX the number that was on my Credit report she not only let me explain to her I do not have no idea what this debt was and I also made it clear that this account is not mine , first off the company has not sent any information to me to know about this debt they are just throwing it on my credit report without any validation , she stated the number that was on my credit file she didnt know who I called I told her I thought this was Afni because that what it states when you dial the number she insisted on giving me another number to Afni because the number I called her on was not Afni but yet she answers the phone as Afni not only do I feel this is shady practices but the fact that no validation was received or it is not my account I want it removed from my report ASAP or I will seek legal action against the company due to their shady practices .
07/11/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77489	Web
I 've been trying to dispute this account for over a year and still no resolution. I 've attempted calling many times over the year. On XX/XX/XXXX, I disputed an account with AFNI, Inc., about a debt that they are reporting on all 3 of my credit reports, in the amount of {$470.00}, being that I have NEVER had a contract with them and I have not received any debt validation from them with anything signed by me. They then had my credit reports updated on XX/XX/XXXX and is still reporting which is a violation of the FCRA. I demand that this item be taken off my report immediately as it is affecting my ability to obtain needed loans and or credit. They are scamming people and very belligerent, unprofessional and rude when you call in to speak with them. In addition, this company does n't show as being licensed to collect in the state of Texas under the address and phone # that is being reported in my reports which is : Creditor Information AFNI XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
10/04/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 16602	Web
Afini IncXXXX Is a debt collector on behalf of XXXX XXXX XXXX XXXX Several attempts were made to said corporation to resolve issue. Accordance with the Federal Reporting AcXXXX this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 ( a ) section 2 - also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ) A creditor may not treat a payment on open ended consumer credit plan as late for any purpose. Pursuant to 15 USC 1692 ( c ) Cease and Desist from further collection Pursuant to 15 USC 1666 ( b ) Billing Error states- A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.
03/14/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33073	Web	Servicemember
AFNI was included in my dispute letters sent to the credit bureaus on XX/XX/XXXX. In my most recent letter on XX/XX/XXXX, I requested the following : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. It is now XX/XX/XXXX, and I have not received any validation as I requested above.
07/19/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85201	Web
[ AFNI, INC SCAM ] AFNI, INC XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX This account was opened in XXXX Michigan XXXX at XXXX XXXX XXXX. This account was paid IN FULL on XX/XX/2014 and XXXX was paid Directly to XXXX desk agent at the XXXX store in XXXX XXXX Michigan. I have my credit card monthly statement to prove it. This debt was a past bill that was unpaid but had to be paid in order for me to start a new service at my new address at XXXX XXXX XXXX XXXX, XXXX XXXX, Michigan. The debt collection companies " buy already paid debts '' and past it around from collection company to collection company to attempt to rod people of money. Both XXXX and XXXX have investigated and removed this same item from their credit reports after I disputed them. So now the collection company is trying the last credit reporting agency XXXX to steal money from consumers. Not only that ; XXXX ending up sending me a check because they owed me money for over payments. XXXX XXXX
11/21/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28277	Web
Received a letter from a collection company XX/XX/XXXX regarding a XXXX XXXX bill that I did not have. I filed a report with Identity theft recovery government site, and contacted collection agency. Collection agency did not at any time verify the debt, nor send me proof that the debt was mine at all. In fact they only told me to contact XXXX XXXX. The debt collection company did not do anything. I contacted XXXX XXXX and they did an investigation and concluded that this was identity theft and sent me an email stating that the debt was not mine. I promptly sent this to the collection agency, but they continue to harass me regarding this debt. Their latest letter is dated XX/XX/XXXX, and states to contact XXXX XXXX again. They have not complied with the FCRA, nor my repeated requests. Please have them correct this action and punish them for not following the fair credit reporting act. Collection company AFNI, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX
10/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 32506	Web	Servicemember
I had an account with XXXX XXXX that went to AFNI collection agency. The original debt was for {$470.00}. I settled the debt with AFNI for {$230.00}. On XXXX XXXX, 2015, when I settled, I paid half of the settlement which was {$110.00}. It was n't until recently when I went to pay the settlement off that AFNI sent the collection BACK to XXXX XXXX on XXXX XXXX, 2015. AFNI told me to call XXXX to conduct any business/payments regarding the account. I called XXXX, they referred me back to AFNI. I went back & forth several times with both companies because AFNI said they could not do anything on the account because they no longer had the account. XXXX told me that AFNI never notated the account properly, so they do n't have any record of any settlement. They only have the original balance of {$470.00}, minus the {$110.00} payment that I made. So XXXX wants me to pay {$350.00} to pay off the account instead of the settlement amount that should have been documented by AFNI.
08/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	CA 92392	Web
I need that I am not requesting a " verification '' I am requesting a validation that is competent evidence that I have some contractual obligation to pay you. Please provide at least the following information within 30 days from the date your receipt of this request for validation : 1. Name and address of alleged creditor : 2.Name on file of alleged debtor : 3.Alleged account # : 4.Address on file for alleged debtor : 5. Amount of alleged debt : 6.Date that this alleged debt became payable : 7.Date of original charge off or delinquency : 8. Copy of the contract and any amendments as this will show what the terms of the contract so I can see if you are following this in the amount you are trying to collect from me ; + 9. Was this debt assigned to debt collector or purchased? 10. Purchased agreement if the debt was purchased so that I can see if you really own this debt : 10.Agreement that bears the signature of the alleged debtor wherein I agreed to pay creditors.
09/12/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 22192	Web
I have disputed this with AFNI twice and two other companies in the past. This is an incorrect charge and I have made payments to clear the old balance from XX/XX/XXXX. The original balance when the account was closed was {$410.00} on XX/XX/XXXX. I made payments to pay it off to the actual account owner XXXX. They came back in XX/XX/XXXX charging new charges and an account acceleration fee after the account had been closed for almost 3 months. I had the account for 6 years in good standing and I had made the contract dates and I was not under any contract when I closed the account. The account was closed in XX/XX/XXXX and a bill from XX/XX/XXXX with new charges after account had been closed for three months is fraud, which was sent to me. Because, I have had this removed several times since the beginning of XX/XX/XXXX, XXXX keeps changing collections companies and tries to go after me for new amounts and new starting and ending dates, which is also against the law.
09/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MI 49503	Web
The adverse account on my credit report is from AFNI and it is for the original creditor XXXX. I never received any contact information from XXXX or AFNI regarding this delinquent account. They are now claiming I owe {$230.00} which I was uninformed about from 2013. I contacted AFNI to ask them about it and they claim they sent out some letters in the mail. I asked if they were certified because I never received any such letter from them and do not believe they sent them because I never received a single one from them or XXXX. They said they do n't send certified mail because it cost too much. I informed them all I wanted was the account deleted and if it was correct I would not mind paying it off as long as it was deleted, but I felt it was unfair to report that to the credit agency because I was unaware of it and never received any information about it up until this point in time. I have an excellent credit history and they now refuse to delete it from my account.
01/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30087	Web
The mobile phone company ( XXXX ) had a breach in accounts and my account was ported to another mobile phone company ( XXXX ) without my consent. I had to work nearly two weeks with XXXX to get my mobile phone number and in that process figure out why this happened. A XXXX representative did confess to me that a number of XXXX accounts had been breached and information was used to open new accounts. After XXXX retrieved my number back from XXXX I started receiving letters from a collection agency saying I owed XXXX for a closed account. This was not a closed account because I still currently have services with XXXX using the same original number ( as of XX/XX/2017 ) and XXXX wrongfully assigned this account out for collection. I disputed the charges with the agency and to no avail were they willing to investigate or cooperate with XXXX. This account now has been assigned to XXXX different collection agencies without anyone attempting to investigate or resolve this.
03/31/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 276XX	Web
My complaint is in regards to a debt that is being " XXXX reported on my credit file by AFNI Incorporated, under account # XXXX in the amount of {$1200.00} which was sold to them by XXXX. I have requested " validation '' of this debt from them which I do not owe because I have never signed any contract with this company. What they continue to do is send me was a bill and a letter stating that they are the owners of this debt. This company continues to report this on my credit file which I have recently disputed with all XXXX credit bureaus and with them as well. Please also see attached a letter from another debt collection agency, XXXX XXXX, in which they have ceased collection efforts and closed this account. Therefore, AFNI have broken the law by not validating said debt, and they still have not marked the debt as disputed on my credit report within 30 days. Any assistance that your organization can provide would be highly appreciated. Regards, XXXX XXXX
11/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 710XX	Web
I wrote and mailed a dispute letter to XXXX and XXXX in XXXX 2017, pertaining to a collection account that had been placed on my credit report from the collection company AFNI, INC. XXXX and XXXX responded with a copy of my credit report stating that the account in question was verified by the creditor. AFNI, INC did not provide any documents or evidence to verify the account, but instead lowered the debt to {$110.00}. I sent another dispute letter to XXXX and XXXX in late XX/XX/XXXX asking again for proper validation of the debt, and instead of verifying the debt AFNI, INC reported the debt again for the previous amount of {$1100.00}. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX and XXXX or provide me with physical proof, such as a signed legal binding contract. Your immediate response will be greatly appreciated.
11/15/2023	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive notice of right to dispute	SC 29209	Web
To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX whose collection agency is AFNI Inc is reporting a collection amount of a {$140.00} balance. This is not my bill and the name on the bill is not my name in which this agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
10/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 953XX	Web
For the last 18 months I have been getting these collection companies trying to collect a bogus debt that they say I owed to XXXX XXXX which I currently have an account with. If i owed XXXX XXXX anything they have my personal info and would have contacted me. When I moved and set up my new services at my new address there was nothing owed on this account, I will not pay for something I do not owe no matter the amount or the discount that they offer to clear this up. I have called and told the collection agency and they say ok then they sell the debt to another. Now I see they have dinged my credit report with a collection, this behavior is illegal and these companies should not be aloud to act in this manner. I want my credit report cleared and the companies XXXX XXXX XXXX XXXX 1st one to send me notice that I called and told them this was bogus then the bogus debt was bought or transferred to AFNI XXXX I am holding them responsible and want them prosecuted
02/12/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PR 006XX	Web
In XX/XX/2011 a debt collector company named Afni contacted me for a supposed debt I had with XXXX XXXX for XXXX dollars. I had never had an account with XXXX so I ignored the letter. For the next few weeks this company continued sending me letter based on the allegation I had a debt with XXXX, I became worried and called XXXX and they told me I had never had any account balance on my name. Years passed and last week I received another letter from Afni collecting the same debt. I enter on the website XXXX to check my credit and this company affected my credit even when they closed the issue. On this new letter they offer me that if I pay half the debt I will resolve my account. I am worried I could have been victim of identity theft, because I had never had any kind of account with XXXX or any debt with this company. My phone bills were paid by my parents and it was another company. So im asking for help. Im worried this could be a more serious situation.
08/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ XXXXX	Web
An accident occurred on XXXX involving two vehicles, one which was my property and the other that belonged to a XXXX insurance client. both our testimonials contradict the other but there has been no police report and no in person evaluation of the accident that occurred that day. I had a chance to speak to an insurance agent who explicitly explained that there was no type of evidence, digital or testimonial that could support or give advantage to either party. I was recently contacted by a company called afni, who on behalf of XXXX XXXX informed me that I may be liable for payments XXXX has made to its policyholder. Approximately {$2000.00}. Both of these companies have failed to provide significant evidence that indicates my liability for this debt. I was also informed of the probability of legal action in my turn and would like your assistance in ceasing the situation. Thank You. Along with this I have attached a copy of the letter that I received.
11/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29201	Web
XX/XX/20 Dear to whom it may concern, Thanks so much for contacting me and bringing this matter to my attention. I want to get this matter taken care of as quickly as possible. To whom it may concern, I recognize your monthly statement is an offer for me to pay the bill. And I am happy to pay it immediately upon you providing me proof that my signature and note did not pay my account statement in full at the time of closing. By the way, To whom it may concern, please feel free to take me to court because there, I am sure the judge also would love to see your proof that the account was not fully paid at closing. One more thing, To whom it may concern, I noticed your monthly statement had an all caps name on it. That is not my name as my name is written in an upper- and-lower-case grammar style. Im sure the judge would like to see your proof of why you are breaking Federal postal law by writing to me using a fraudulent and fictitious name that is not mine.
04/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60047	Web
I was contacted by a collection agency today called XXXX in regards to a fruadulant debt from XXXX XXXX. They claimed I owe XXXX over XXXX dollars for a service I never ordered. They claimed that I have this service in my home and are not paying for it. I had received a box in the mail back in XX/XX/XXXX from XXXX. I called them to ask what this was about. They told me to ship it back free of charge, but to go the XXXX store. We did the next day. We continued to receive bills in the mail. I would call them and explain to them that I never ordered XXXX and their is a mistake. Each time I called when bills were coming in, the customer service said that it was a mistake and it would be taken care of. Now the collection agency has called me twice in the last few days. When I said I do not have XXXX that I have XXXX/ XXXX they did not believe me. I have had XXXX for over 23 years. XXXX today directed me to Identity Theft. And they directed me to you folks.
06/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30126	Web	Servicemember
Spoke with an individual from AFNI requesting my social security number and identifying information. I requested to know what their call was regarding. The individual seemed to become irritated and stated I owed a debt which I have no knowledge. There was an address in their file that they said belong to me. However, I never resided at that address. I lived in an entirely different state. The representative stated they'd mark the account as verified although it was being disputed. This derogatory mark has affected my credit with being subject to higher interest rates due to a collection item. I feel this is a direct violation of the Fair Credit Reporting Act by the creditor and XXXX. And I feel XXXX did not nor do they ever do their due diligence to investigate these matters. I feel XXXX always sides with the creditor. There needs to be reform to have credit bureaus do a better job. I've lost $ XXXX from this inaccurate reporting to my credit file.
04/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33016	Web
ACCOUNT NAME AFNI , INC ( Original Creditor : XXXX ) XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC1681 section 604 section 2 also states a consumer reporting agency can not furnish anaccount without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an accountwith this agency! My rights has been violated and they are in violation according to the statutes mentioned above
05/25/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55379	Web
I would Like to file a complaint on AFNI COLLECTION AGENCY On XXXX XXXX 2017 I sent in a debt validation on account that they say I owe So Today XXXX XXXX I got a letter from AFNI With some bogus logo from XXXX I have never had a account with XXXX or AFNI in my previous Certified mail request to AFNI I asked them to please send me a copy of any credit application signature attached An Explanation of what the alleged account blance was for. Documentation that shows I agreed to pay the debt Also agreement that grants them the authority to collect on this alleged debt. A copy of their state License. That failed to send me the all of the information about this account that they claim I owe. at this point I would Like to file a complaint of HARASSMENT because they did not provide me anything regarding that this is indeed my account I also would Like to ask AFNI NOT TO CONTACT ME UNLESS THEY PROVIDE THE ITEM THAT I HAVE REQUESTED ABOVE.
09/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45429	Web
XXXX XXXX extended credit in my name falsely at the following addresses and now refuses to acknowledge the identity theft that has taken place. Unbelievably allowing someone else to use my name and social to open 3 different accounts and 3 different addresses at the same time and not suspecting a thing. XXXX XXXX now wants me to pay the Identity theft debt. I have never lived in Virginia mailed bank statements to XXXX as proof along with my drivers licence etc. After completing proof of residency and sent back statements etc. to no avail. XXXX insisted on a police report dispite the local police saying they would not take one because it occured too long ago and that they could not investigate such a crime. The negative mark is still on my XXXX credit report. XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2018 XX/XX/2018 {$1600.00} XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2018 XX/XX/2018 {$74.00} XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2018 XX/XX/2018 {$1400.00}
09/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28012	Web
collection company is now the 5th company that XXXX XXXX as given this account to ALTHOUGH this account had previously been pulled and resolved through XXXX XXXX CUSTOMER SUPPORT. This account should not be with ANY COLLECTION AGENCY per XXXX XXXX XXXX. This account was proven to not have had the cell service that was promised and for the 7 months that I had sprint I only had usable service for 2. I had to call every month and received responses every month that they were working on the issue and they ( XXXX ) acknowledged every month that cell service was and had been down in my area and they were working on it. it never got resolved and I had no choice then to get reliable service due to my medical condition. XXXX PULLED THIS ACCOUNT AND WAS TO BE DELETED MONTHS AGO.. This is now the 5th company that is trying to collect on something that the executive office at XXXX XXXX XXXX balanced due to my previous complaint to the CFPB and to the FCC.
07/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10019	Web	Servicemember
1. never received notice of right to dispute prior to posting the XXXX ( XXXX ) collection account on my credit. They simply threw this on there and was noticed in XX/XX/XXXX. 2. have repeated requested validation of debt other then a lump sum invoice, such as a copy of the contract, receipt or purchase order for 7 months to date, collection company refuses to provide validation of this debt. 3. Delinquency Invoice ( not contract, receipt, payment initiation or any other record ) from original creditor provided by collection agency does not coincide with the data furnished by collection agency 's 'date of delinquency ' reported as XX/XX/XXXX by collection agency and Invoice of XX/XX/XXXX.- Inaccurate Reporting. 4. Data furnished by collection agency does not report to my credit report as 'disputed '. collection agency cont to report to XXXX, no information, past due acct only and XXXX as 'seriously past due'- not furnished acct is disputed.
02/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70791	Web
I have sent written notification to AFNI INC requesting documentation of any contractual relationship between myself, & AFNI INC . This was not a request for verification or validation. This was a request for proof of contract to substantiate your claim to XXXX, XXXX XXXX XXXX, that I owe AFNI INC, {$990.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.
05/05/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA XXXXX	Web
I have received ( 3 ) telephones on my house phone which is on the Do Not Call Registry. They keep asking for XXXX XXXX, my son about collection of an owed debit. These calls are from a company identified as being ; AFNI Inc. ( XXXX ) XXXX. They claim to be located in XXXX, IL. Upon research there is an AFNI Inc. located at XXXX XXXX XXXX in XXXX, IL XXXX. I have repeatedly told these callers that this phone number is a Do Not Call Registry. I am not XXXX XXXX, advised them that they are in violation of FDCP 15 USC 1692 ( c ) 805 ( b ), Communication with a Third Party. I have asked them to Cease & Desist in their continued efforts to contact me about this. Date & Time of each call : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. AFNI INC. is listed as having ( 2 ) addresses : XXXX XXXX XXXX., XXXX, IL XXXX and maybe know also as being XXXX XXXX with a secondary address of XXXX XXXX XXXX XXXX, XXXX, IL XXXX
05/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 212XX	Web
On XXXX I contacted XXXX to dispute XXXX fraudulent collection accounts under my name that are currently affecting my credit score negatively. Those accounts are not mine and I have not inquire services from those companies. I also contacted the collection agency AFNI , INC, to report the accounts and remove it from my files. They created a report and communicated that they will contact XXXX, mobility to report the account that currently owes {$2300.00} and urged me to contact XXXX as well, and so I did. I have also contacted XXXX XXXX to report the fraudulent account that currently owes {$5100.00}. In the past I have been a victim of identity theft and have had multiple fraudulent accounts opened under my name. I have tried getting a police report for this and they stated that because there was no physical damage or visible crime, they were unable to provide a report. Therefore, I am requesting assistance and would like to issue a report.
06/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89032	Web
I have an unverified account from AFNI, INC.. I had previously disputed this account. I have never done business with AFNI, INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AFNI, INC. provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI, INC. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
04/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34221	Web
I have a {$140.00} debt being reported by XXXX XXXX XXXX now the collection company XXXX XXXX On my credit report that is incorrect. The overdue balance is for XXXX and I have not had an XXXX account or phone for at least 8-10 years. The account, I assume, belong to my now deceased husband from whom I was separated from XXXX forward. I had notified XXXX XXXX XXXX back 8 to 10 years ago on a few different instances that I no longer had a phone number associated with them or a phone and to remove me from the account and they told me each instance that they would. Since his death Ive been harassed by XXXX calls On numerous occasions, too numerous to list and I have explained the situation each time to no avail. I also contacted XXXX XXXX XXXX and was told that I would need to speak to the collection company. I disputed the charge on my credit report and the XXXX XXXX investigation found the information to be accurate thus it was not removed.
04/16/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33021	Web
In XXXX of 2020 someone kept calling me posing as a process server asking me to confirm personal information and implying that there is a Court filing against me, the person was elusive as to who they worked for, however I linked the call to Afini Inc collection agency Th is person continued to call and threatened to go to my place of employment and my home. The debt they are trying to collect on is for {$250.00} and the original creditor is XXXX. Shortly after the seventh phone call the debt appeared on my credit report In XX/XX/2020 I sent a cease and desist letter, after Afini, Inc received my letter. As a retaliatory act - the company flagged the account as a grid code G to significantly damage my credit. The above mentioned collection agency acquired this debt from another collection agency of which I filed a formal complaint against for harassment and failure to validate the debt as a result the debt was removed from my credit.
12/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94806	Web
I received a letter from Afni , Inc in XXXX XXXX requesting payment for debt so I asked them in writing to provide me with a breakdown vial USPS mail of what I allegedly owe as well as documents from XXXX XXXX XXXX with my signature agreeing to this account as I suspected fraud. They never responded. After contacting the XXXX about this in XXXX, Afni now states that I have a past due XXXX XXXX XXXX account in the amount {$120.00} from XXXX ( yet they have listed this account as being opened in XXXX on my credit reports ) and included past due bills as verification that this account was mine. I expected to see an actual breakdown of how they came up with {$120.00} or notice from XXXX XXXX XXXX that has my signature agreeing to this service. They have not produced that information to me and by attaching bills, I believe they know this account is n't mine nor can they prove it but they want to bully me into paying a debt that I NEVER owned.
09/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75134	Web
I have an account out for collections since XX/XX/XXXX with AFNI INC. based in XXXX, IL. About XX/XX/XXXX or XX/XX/XXXX. I contacted this debt collector and offered to pay the full balance of debt if they would remove it from my credit. They denied my offer of payment for removal and I understood but stated to them because I am close to statute of limitations I would not pay because I did not want it to restart the reporting cycle on my credit. Today I checked my credit and notice my score dropped almost XXXX points due to AFNI reporting activity for XX/XX/XXXX. I have not spoken to this collector in 3 or 4 months let alone made any payments or arrangements to pay. They would not have a letter or phone conversation to the effect of any arrangements made. My original balance is still the same. I am disputing the reporting of activity on this collection account which has caused my score to drop based on a conversation with this collector.
03/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL XXXXX	Web	Older American
I have received debt collection letters from XXXX different debt XXXX over the past XXXX demanding payment of {$1000.00} for goods or services owed to XXXX. The original collection letters and payment demands contained a name similar to mine and addressed to an unknown address for services of unknown nature. The most recent demand letter came from AFNI Inc. and I sent them a certified return letter informing them that this was not my debt and to cease and desist with further collection attempts as per FDCPA requirements Also to validate the debt via a copy a signed credit agreement or contract for goods or services associated with the alleged debt. AFNI Inc. answered my certified letter advising that they would acknowledge my request to cease and desist with contact and a blank payment coupon from XXXX dated XX/XX/2015 that has since been altered to reflect my business address and last name spelled correctly as proof of the debt.
09/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OH 43231	Web
I have a a unverified account from AFNI. I had previously disputed this account. I have never done business with AFNI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AFNI Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
02/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 080XX	Web
In the Summer of 2016, I moved away from Louisiana and settled all my debts. My cable company, XXXX XXXX, made a mistake in billing and charged me extra for services. It took me months, but I was finally able to have them tell me that my account was closed and I owed nothing. For the past three years, I've been battling them. They now say they never told me my account was closed, and say that I owe them {$120.00} in charges. They have harassed me many times about a debt that I do not owe, and their own customer service people told me that I do not owe them money. They then forwarded this debt to Afni, a debt collection company. I have sent them letters on multiple occasions explaining the situation, and they still harass me about this debt. It is affecting my credit, and I 100 % do NOT owe this money. I would like this false debt taken off of my credit report and for Afni and XXXX XXXX to cease their 3 year long harassment of me.
05/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 483XX	Web
XXXX collections on my report are wrong and should never have been put on in the first place! 1 ) XXXX XXXX proof of state health insurance ( due to XXXX ) in XXXX XXXX and explained that the original creditor failed to bill. XXXX refuses to verify this info with XXXX and XXXX ( I d o n't know about experian ) in which both companies refuse to remove without the verification . 2 ) wrongfully billed in XXXX XXXX by XXXX XXXX XXXX when service was canceled and equipment was returned within the 30 day satisfaction guarantee and proof of XXXX installation date. Very few disputes are taken at a consumers word and companies like XXXX XXXX XXXX can state whatever they want with with no proof and whether wrong or right the companies verification is always gold. This is very unfair! I have been trying to get my credit scores up and it 's been a roller coaster with huge dipps in my score. Please Help!
05/29/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MA 010XX	Web
AFNI Keeps contacting me informing me that i owe XXXX from an old XXXX XXXX XXXX phone that was swapped to a new account years ago. I contacted XXXX XXXX XXXX and they indicated the account was paid in full otherwise they would not have moved my number to a new account ( XXXX XXXX XXXX policy ). I contacted AFNI and wrote to them indicating the account was paid in full. While on the phone they informed me my credit score would be taking a hit very soon so " SURE hope i wasn't going for any loans soon ''. They also said even if i was successful in getting it removed from my score history it would take a long time and what was my time worth. I told them several time i did not owe the money but they continued their threats. This feels like extortion and intimidation and it is unfair to consumers. Now they are requesting Identity Theft Victim complaint information from me. They want me to send them 6 pages of personal information.
08/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 72209	Web
In XX/XX/XXXX I disputed a item that was incorrect on my credit report. The incorrect item which is AFNI. The credit report agency reported that the item was verified. I sent a certified letter to AFNI requesting validation, made pursuant ton the fair debt collection practices ACT. I ASLO REQUESTED COPIES OF THE ORIGINAL CONTRACT WITH THAT ACCOUNT BEARNING MY SIGNATURE FROM AFNI. WHICH IAM entitled to see the proof of verification in XXXX. XX/XX/XXXX. to the address reported on my credit report which is XXXX XXXX XXXX XXXX , Il XXXX the letter was sent certified. I have the receipt showing that they received the letter and I sent the letter via certified. and they have failed to respond to my letter and request and they are in violation of the fair debt collection practices 807-8. Defamation, Negligent enablement of identity fraud, violation of the fair credit reporting act. today is XX/XX/XXXX and they have not responded to me.
12/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19143	Web
i sent a letter on XX/XX/2022 to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller 15 usc 1681 s-2 15 usc 1692c 15 usc 1681i
02/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WA 98003	Web	Servicemember
I placed an order with XXXX XXXX XXXX utilizing XXXX. In XXXX, I notified them that I still had yet to have received the product and to date -- I still have never received the product. I notified XXXX in XXXX of 2019 that my account was still showing a balance when I had never received the product. They then reported inaccurate late payments ( that were never owed ) because I never received the product. I notified them both in writing and email yet received no response. Later I found that the account was sent to collections to Afni and now they state that, that I can only dispute with Afni. Afni never mailed me initial notification that they received the collections. I have contacted Afni via email but still have not received any communication in the mail. I never received the product and thus no balance was owed. Both XXXX and Afni need to remove this as a delinquency / collection considering the product was never received.
11/14/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 34606	Web
I had XXXX service. For 4 months, they continued adding unwanted services to our contract trying to increase our bill every month. I contacted them every month to cancel the services that were never ordered by me but somehow showed up on my bill. After getting frustrated with calling every month, I contacted XXXX and told them just to cancel the service. The representatives I spoke to told me that I ordered the XXXX channels and the basketball ( neither of which I am interested in ). XXXX also tried to take this fradulent amount from checking account numerous times without my authorization. They were disputed with my bank and reversed. XXXX is well aware of the situation and it really angers me that they have placed the account for collection and now impacting my credit score. If XXXX did n't breach the contract by adding additional channels that were not ordered by me, I would n't have to waste my time dealing with this again.
05/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CT 06002	Web
AS OF XX/XX/2023 I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING ON MY CREDIT PROFILE AND CONSUMERS REPORT AFNI , INC . Original creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$78.00} Balance updated XXXX XXXX, XXXX Original balance {$78.00} Account info Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account. {$78.00} past due as of XXXX XXXX. Status updated XX/XX/2023 Contact info Name AFNI , INC . Address po box XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
06/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 301XX	Web	Servicemember
This happened in XX/XX/XXXX/XX/XX/XXXX. I was in a relationship where my significant other used my Social Security number to obtain a cell phone and account with the phone company all without my knowledge. This was completed twice with two different phone companies without me knowing before my significant other and I left one another. I did not authorize such accounts or billings. It was forged. I did not go to the authorities at the time because I was unaware of such accounts and did not know they were collecting debt. In XX/XX/XXXX/XX/XX/XXXX I was made aware of one of the phone company accounts and did my best to pay them because I could not make contact with my previous significant other. Nor could I report her because there was no evident fact that I could prove that she used my information without me knowing. Now the second phone company XXXX XXXX XXXX has sent my account ( {$1000.00} ) to XXXX for debt collection.
02/24/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 816XX	Web	Servicemember
XXXX XXXX I did not like there service..I live in the XXXX of Colorado often lost service and could not get the kind of programming I wanted without a heavy increase of fees. Also the rate kept changing and increasing on a monthly basis. So I cancelled they refuse my cancellation for a period of 60 days and charged me extra fees of service after I requested cancellation. I also returned there equipment and suffered a 6 month denial that I returned the equipment and they showed inaccurate account amount on my credit profile for at least a year. AFNI is there collection service currently reporting for XXXX XXXX. They started with an account for almost a year at {$800.00} then eventually after disputing this several times lowered it to {$300.00}. So nothing is accurate and nothing is consistent for they state the account was opened in XX/XX/XXXX but the account was open in XX/XX/XXXX. They have moved the open date a few times.
12/02/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92021	Web	Older American
XXXX XXXX had destroyed my roof XX/XX/2017. And I was not getting any service from this company for seeing baseball games, seeing shows as scheduled since XXXX XXXX. I had a service paid for XXXX for {$40.00} gave all this. So I cancelled my service XX/XX/2017 with my account current on this date wanted to know the terms for cancellation. XXXX XXXX stated return all equipment and pay {$220.00} as a final payment. This is a penalty of XXXX a month for eleven months. All This was done per XXXX XXXX instructions to the letter. And I had to pay {$60.00} to nail down three shingles back on my roof knocked down by the XXXX XXXX Antenna flying off the roof hitting my roof dislodging three shingles. So XXXX XXXX wants to collect extra money to get the full contract price not providing any service. This is a predatory contract givning no service. I do not want to be harassed by XXXX XXXX through XXXX forever. Sincerely XXXX XXXX
02/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33309	Web
XXXX mailed Afni in XX/XX/XXXX informing no balance was owed and to close account. They said they would need 30 days. XXXX and myself called Afni in XX/XX/XXXX, informing no balance was owed and to close account. They said they would need to investigate if a correspondence was sent in order to release the account. Then, disputed the account in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX through the 3 major credit bureaus. 30 days later, account remains open with Afni. Results of disputed charge remained open with Afni for {$830.00}. Called XXXX again, they confirmed account was closed and paid in full with XXXX however Afni has not responded to request to remove collection account. This account has impacted my FICO score negatively since XX/XX/XXXX, fighting this erroneous charge for a year unsuccessfully. Afni 's agents seem determined to not escalate to a manager for a closer review and are grossly unprofessional.
12/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CT 06770	Web
I previously submitted a cfpb complaint XXXX. I submitted a complaint because of a new collection account that is reporting in my credit report this was submitted on XX/XX/XXXX and the account that I filed a complaint was XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX I am happy that account has been removed from my credit report today XX/XX/2022. But I got disappointed when the same balance and original creditor which is XXXX reported this account this time with AFNI ( Original Creditor : XXXX XXXX ) account number XXXX. Again, as I previously mention I am not aware of this account and never received any notification from this agency. I can't believe that if I am conscious of my credit report any agency can add accounts to my credit report without a notification. I can't believe that any account can be on and off my credit file. Please read my previous complaint and have this account removed from my credit report.
06/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 328XX	Web
I am a victim of Identity theft. Someone open a XXXX XXXX account using my SSN.in another state. When I looked at my credit report there was an account that went to collection for {$1200.00}. So I call AFNI and told them that this was not my account. They gave me the information that I needed to do to file a complaint. At this point I was very upset because I have been trying to get my credit score up for sometime now. So I thought that they were trying to help me so when she asked my for my address, I said why do you need it and she said that they needed it just in case they found out something out about the account they would contact me. So at this point I was not thinking clearly so I gave her my PO Box number. The next day I get a statement account from AFNI in the mail with this other person name on it. I am not the person they are looking for and I do not want any more mail address to someone else coming to me.
08/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	AZ 85014	Web
Company AFNI, I called them today to pay bill in full, I asked them to make sure it would be reported on my credit report and that I needed an email stating that they would do that and they refused to give me an email or anything in writing to prove that they would report it paid. They then stated they " don't do that according to company policy and said that is " the way it is '' and I would have to accept that. I again stated I wanted to pay it in full but would like an email stating what would be their part of the agreement, and then I would pay it immediately, they again refused. I believe that this is a very logical and fair request and they should have no problem doing that. what is the problem??? They shouldn't be able to keep it on my report if they are refusing to give me some proof of their actions that they should be responsible for. Companies like this are acting as bullies and should not be in business.
05/17/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NC 28376	Web	Servicemember
Thi s Compliant is being sent to AFNI, INC in r esponse to a listing on my credit report. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices A ct, 15 USC 1692g Sec . 809 ( 8 ). I NEVER established a contract with this company at all, furthermore a bill is not a contract from a alleged debt owed.At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX , XXXX and XXXX ) t his action might constitute fraud under both Federal and State Laws ) which are in violation of the following : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office.
06/20/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IN 462XX	Web
Inaccurate details being reported about loan on my credit report. My student loans were discharged because I am XXXX XXXX because of XXXX and I live in a XXXX XXXX. I hope to one day be XXXX, but until then I feel as though I am be criminalize over something that I have no control over. Sickness disease and death is something we have no control over. I am very thankful for the rule of law that gives people like myself a Fighting Chance and Hope. Character and the peace of mind is what I 'm fighting for now, XXXX University is reporting that I have had late payments which is not true because I have never made any payments I 've been in the XXXX XXXX. Due to the government bailout I have been advised that all of my student loan accounts will show in good standing, no derogatory remarks or any such things that would be another battle to fight in addition to XXXX XXXX. I am fighting for my life and a credible name.
09/08/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AZ 85009	Web	Servicemember
I had service with XXXX XXXX during a pre-priced trial period and my bill kept increasing every month I was told it was adjustments to the account and I would be given a credit for the over charges. This continued for several months with constant calls to customer service to try to resolve this issue. after two more excessive billing cycles I was done I called and terminated services with a balance of XXXX dollars owed. When I received the final Bill I was surprised to see a balance of XXXX dollars due. When I contacted customer service I was told there was an error and if I reinstated the account they would offer 6 months of premium channels I would just pay the XXXX dollars and would be fine at this point I said just submit the final bill I did not want to continue service. On the XX/XX/XXXX I was shocked to have received a letter of collection from AFNI Inc in the amount of {$550.00} and this is not correct
04/29/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 331XX	Web
I had a prepaid phone in XXXX . Through XXXX XXXX XXXX . It was {$60.00}. XXXX claimed when I discontinued the service that I still owed them {$60.00}. Which under a prepaid plan is impossible because it is pay in advanc e. Service ca n't be p rovided without payment. I make a significant annual salary, but I refused to pay this because I felt it was a large company abusing their power and that they 'd normally succeed because no one would know how to defend themselves vs a big company. They put me in collections and just this year almost 4 years after the issue. my credit rating was hit for XXXX points. I spent the last 8 years of my life never missing a payment from any creditor and paid several XXXX XXXX in bills only to get an XXXX credit rating ruined by XXXX over a {$60.00} bill. I think that is ridiculous that companies can have this level of control in a dispute.
02/23/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77096	Web
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from AFNI in XX/XX/2018 in the amount of {$960.00}. First and foremost, I have confirmed that the debt collector, AFNI is not licensed in the state of Texas to collect on this debt. Secondly, AFNI violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to AFNI? I have never heard of them, have no written contract with them and have never received any benefits from them, yet AFNI has submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$960.00}.
02/23/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77096	Web
After viewing a copy of my credit report, I noticed a collection account placed on my credit report from AFNI in XX/XX/2018 in the amount of {$1.00}. First and foremost, I have confirmed that the debt collector, AFNI is not licensed in the state of Texas to collect on this debt. Secondly, AFNI violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to AFNI? I have never heard of them, have no written contract with them and have never received any benefits from them, yet AFNI has submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$1500.00}.
09/04/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 94578	Web	Older American
Out of the blue a company identifying as AFNI flagged my credit with a debt that I had no idea about. I just happened to be checking my credit score when I saw it. I phoned AFNI wanting to know where this was coming from. I asked if they bought the debt. The response was 'no '. I asked again, response 'no '. I ask where is the debt from, they responded XXXX. Hmmmm. I was not given notice and was not able to file a dispute. So my next step was to send a certified letter to AFNI to be shown proof that the debt was valid. I checked with the post office and AFNI indeed received my certified letter as they signed for it on XX/XX/2020. I have yet to receive a response and the collection still sits in my credit report. The fact that they left it on my credit, even after they received my certified written request for validation seems wrong. I would appreciate knowing my next steps with this. Thank you, XXXX XXXX
05/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43219	Web
I have a a unverified account from AFNI. I had previously disputed this account. I have never done business with I have a a unverified account from. I had previously disputed this account. I have never done business with AFNI. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt AFNI purport I owe. I request that AFNI Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account # XXXX
08/05/2020	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	CO 804XX	Web
I received a phone call from XXXX XXXX I was told that I owe them {$37.00} well luckily I think the call dropped. So I called the number back and it wouldnt go through. So I contacted customer service at XXXX and they said we never call you in regards to a bill we will text you. So then I got a bit worried I kept getting the same phone call and I said XXXX XXXX Call me. So then I got a call from a collection agencyCalled AFNI And they are telling me that I owe them {$37.00} on behalf of XXXX. XXXX like what the heck I have repeatedly and I mean repeatedly dozens of times called XXXX to make sure that I dont have a {$37.00} bill I had just paid {$620.00} I really wouldnt give a XXXX about {$37.00} bill. So they keep calling me and then I get a bill saying that Ive been sent to collections I dont even know what to say I dont know what to do I am at the mercy of these criminals and I just dont know what to do
09/16/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA XXXXX	Web
This company AFNI sent me a collection letter stating I owe {$630.00}. dated XX/XX/XXXXThe CFPB should note this debt collector started his collections Activities few days ago with harassing phone calls. Please refer to CFPB complaint # XXXX. Since they sent me a debt collection letter stating I owe {$630.00} to XXXX, I believe around XX/XX/XXXX I disputed this amount its totally even I went further I escalate this issue to the FCC Case # XXXX against XXXX, They never sent me nothing in writing within the 30 days process setup by the FCC about this Fraudulent Debt, so instead after One year and 1/2 XXXX Hires this debt Collector to try to collect a Fraudulent Debt it was fully disputed around XX/XX/XXXX with the FCC, XXXX never responded to my FCC complaint. I'm attaching my Statement of Fact Letter as well to dispute this fraudulent debt against AFNI and the Copy of the email I received from the FCC.
05/03/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32277	Web
XXXX refused to do proper investigation and providing validate verification for Afni collections account saying this is my debt according to section 606 of the FCRA. Just saying it has been verified is not sufficient proof that this is my debt when it is not. If not verified properly a serious fine can be given and this is an offense of consumers rights and if can not be verified properly it must be removed from my credit report immediately. This is a fraudulent account the incorrect social, date of birth & spelling of name was used to open. XXXX confirmed this info to me and removed the account and the incorrect social from my profile immediately. XXXX is claiming the AFNI file has been verified as mine. I have a fraud alert on my credit to avoid this happening again. Please AFNI removed from XXXX report as I am looking to buy a home and it holding me back from taking advantage of the best rates.
05/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92707	Web
I continue to get bills from AFNI for {$1100.00} for an XXXX XXXX XXXX XXXX account that was paid through a back and forth dispute between XXXX XXXX XXXX and myself. The account was already handled by XXXX XXXX , XXXX who continues to call me and leaving messages or hanging up 2-3 times per day. I did make a complaint to the CFPB and explain that the account was taken care and paid through another collection company XXXX XXXX in XXXX XXXX. I have been in dispute with the original creditor and have an ongoing case open with the FCC against XXXX XXXX XXXX. AFNI Inc. has continued to report inaccurate information to the credit reporting agency about a debt that is not correct. I have now sent a complaint to the XXXX Attorney General about AFNI violating my rights under the Fair Credit Reporting Act. I do not owe the AFNI anything and they continue to report inaccurate information to the credit agencies.
12/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20601	Web
AFNI , Inc. submitted a collection to all the credit reporting agencies for a debt that I did not owe on behalf of XXXX XXXX XXXX XXXX. I have never had an account with XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX and they confirmed that there is no record of my ever having an account with them. I then called AFNI , Inc. and was told that there was an account. I told them what XXXX XXXX XXXX XXXX told me. AFNI , Inc. said that they could only go by what XXXX XXXX XXXX provided. In the meantime, I have an erroneous report on my credit record. I also filed a complaint with XXXX. I believe my information was obtained during the XXXX breech. Also, there has been a lock placed on my credit record for the last five years and there was never any inquiries from XXXX XXXX XXXX XXXX. Therefore it can be said that the information sent by AFNI , Inc. to the credit bureaus was deliberate and fraudulent.
03/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33444	Web
XXXX continually contacted me for about two years regarding an unpaid bill. However, each time I asked for an itemization of what the bill was for, they could not provide it to me. They stopped contacting me for a while, then the collection account showed up on my credit reports. I disputed the collection with the credit bureaus and had it removed. About a year later, XXXX XXXX XXXX contacted me on XX/XX/XXXX saying I owe XXXX. I sent them a letter requesting additional information under the FDCPA on XX/XX/XXXX. I never heard anything else from XXXX XXXX XXXX On XX/XX/XXXX I received a letter from Afni , Inc. attempting to collect the same debt. I am now preparing to send them the same letter regarding a request for information under the FDCPA. Can this collection account just keep getting transferred when the company can't provide me with any details and this will permanently be an endless cycle?
05/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	TN 380XX	Web
We got XXXX XXXX XXXX XXXX in 2012 and after having so much trouble with it working correctly, we called them to cancel our services. They did not care at all about resolving the problems we were having with the service and was told by a representative for us to use the return shipping box they would send to us. We sent all of the XXXX equipment back to XXXX XXXX XXXX and was told that we did not owe anything on the account with them. XXXX XXXX XXXX later sent this account to a collection agency then got it back and sent it to another collection agency after a few months. The collection agency representative was not nice about anything concerning this account. They were very demanding that it be paid in full or we would deal with a crime of not paying a debt. I did not appreciate this attitude at all and this is not a good way of doing business. I would never recommend anyone to use XXXX services.
12/28/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76179	Web
I was an XXXX XXXX XXXX customer back in XX/XX/2018. I cancelled the service and returned the equipment. A year later I noticed a collection on my credit which dropped my credit by 27 points from AFNI. I reached out to XXXX XXXX XXXX and they informed me that they would investigate the account. At the time I could locate the receipt that was handed to me at the XXXX store in the XXXX area. I later received a check from XXXX XXXX XXXX and thought that they had located the equipment and that everything was ok. I am at a point where I am trying to get my finances together and wrote a letter to AFNI and asked to resolve the issue by settling the issues ( basically a pay for removal from my credit ). So they responded with a verification letter, which details that the balance was for unreturned items. I found my old phone in my storage unit and found there receipt detailing the equipment was returned.
03/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77407	Web
XXXX XXXX XXXX has been accusing me of owing this bill for quite some time, I have tried to explain on several occasions that this bill is not mine, that I did not, have not purchased any mobile devices from them at this amount of money. I have consistently DENIED ever having or purchased Anything from them at those cost. I had filed a Identify theft report as to items o my credit report that were not my debt and those were resolve, but that darn at & t are still insisting that I owe this debt. they use to call Every day until I changed the number, I would get bill, the reps. would say to me do n't you want to have good credit, or they would say, what if you decide to buy a house or a car you wont cause your credit will be poor, and some would say you cant just make debt and not pay. but the one rep that told me to prove that I did n't owe the debt was Very disrespectful, and mean for no reason.
09/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 288XX	Web
I received a notice from Afni, Inc., dated XX/XX/2022. It stated that my account with XXXX XXXX ( since closed ) had a total debt of {$240.00} and informed me that I could call or write to Afni, XXXX by XX/XX/2022 to dispute the statement. On XX/XX/2022, I wrote to Afni, Inc. at the email address provided. I stated that the notice claiming I owed {$240.00} on my XXXX account as of XX/XX/XXXX was incorrect. I attached a screenshot of my XXXX account page showing {$0.00} due and that all amounts have been paid in full and a screenshot of my online banking statement showing that {$240.00} was withdrawn on XX/XX/2022. I also provided my XXXX account number and Afni, Inc. 's reference number and asked that they confirm that I had no debt owing and that this incorrect collection notice would not affect my credit rating within 5 business days. A week has passed, and I have received no response.
03/25/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 23451	Web
I had terrible service and experience with XXXX when I lived in AZ. Many times I wish I could have to cancelled this service and change providers however XXXX had a contract with the renting complex where I lived. Personally I feel that was leverage for the company to not provide better service. When the time came for me to move, I immediately cancelled my service and was advised that I can the return cable box with the front leasing office to pick up from UPS ( which I did ). I do not have the cable box or subsequent service with XXXX. I am so frustrated because many times I paid for service when it was not working with XXXX, and when they tried to charge me for not returning the box or returning it late, I would not pay it out of principle for their poor service. There should be many calls/complaints on record of my experience with XXXX. I would like to have this off my credit report asap.
03/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IN 462XX	Web
I have been with XXXX at various addresses since XX/XX/XXXX. Due to their horrible service I cancelled. From XXXX XXXX XXXX I spent 15 + hours on the phone with them. After cancellation I got a notice that I had a XXXX credit. All was squared away. Then dated XXXX I got a notice from Afni Collections saying I owed $ XXXX. I called XXXX. They admitted the never told me about the balance and admitted no bill was ever generated. My only notice of this was that I got a collection notice. I confirmed it was a valid collections company then paid it at once. I 'm XXXX XXXX XXXX today. I have never, ever had a collection notice in my life. I 'm fiscally responsible. XXXX failed to follow protocol by first issuing a bill to me letting me know I had an account in collections. I leave XXXX for three weeks tomorrow. Had I not happened to get my mail ( it just arrived today ) it would have hit my credit.
01/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08332	Web
{$330.00} Original creditor : 05 XXXXXXXX XXXX XXXX XXXX {$1000.00} Original creditor : 01 XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$1800.00} Original creditor : 11 XXXX {$550.00} Original creditor : 01 XXXX I've contacted this company many times asking for a validation of debt since they couldn't verify these accounts their are stating that I owed I ask them to remove these fraudulent I didn't approve that was open in my name. they Keep violating my rights I wouldn't send me a copy of validation of debt according to my consumer rights. I told them this is unfair practices according to 15 USC 16g2f I also keep asking for a validation of debt. the name of the creditor of whom the debt is owned. I ask for them to not just remove these fraudulent statements and representation of that that the have fail to provide proof of such debt they said I've owe that they should be Delete from my Credit file.
09/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77074	Web
Hello my name is XXXX XXXX, I am writing you because AFNI creditor is showing up on all three of my credit report. It is a XXXX XXXX XXXX bill in the amount of {$100.00}. I pulled my credit report a couple of weeks ago and I noticed this collection in my credit file. I called AFNI because I never opened an account with XXXX XXXX XXXX. The account is under XXXX XXXX and my name is XXXX XXXX. I have called several times trying to get this issue resolved. To add insult to injury the representatives I spoke with were extremely rude! This is not my collection account and it is ruing my livelihood. I am a victim of " IDENTITY THEFT '' I also a victim of Hurricane XXXX. I lost everything I am trying to get my life back on track. I am asking you to please assist me in this matter. This is not my collection and it is not fair for this collection to be reporting on all three of my credit reports.
06/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 138XX	Web
On XX/XX/2023, I received a notice from AFNI collection agency saying I owed XXXX XXXX XXXX mobility {$2100.00}. I have never had an account with XXXX XXXX XXXX XXXX so assumed it was as a scam.On advice from local Deputy Sheriff. I called XXXX XXXX XXXX. I was told there was nothing associated with the number AFNI said was my account with XXXX XXXX XXXX. The number XXXX was said to be my account with XXXX XXXX XXXX in the first letter but in future correspondence it was stated to be the creditor account number.I sent in response form provided indicating this was not my debt.I received another letter soon after saying they were attempting again to collect the XXXX XXXX XXXX. This time for lesser amount. Most recently another attempt was made by AFNi to collect this debt.I emailed the address on the AFNI website stating simply, " This is not my debt ''. I have not receved a response.
08/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07024	Web
Sir, Could you please help me to address my credit discrepancies and illegal altered of false reports on my credit report by a Company listed as AFNI INC collection agency, they put a derogatory False report on my credit. The company AFNI reported on my credit that i owed them a loan, and that the loan is connected to XXXX XXXX XXXX XXXX. AFNI INC collection agency recorded on my credit reports that i stopped payment of my XXXX XXXX XXXX bill in XXXX, 2020. This is absolutely false!, ( I dont use XXXX XXXX XXXX ). I stopped using XXXX XXXX XXXX XXXX over 2 years ago and i did not owe XXXX XXXX XXXX any outstanding payment. I called XXXX XXXX XXXX office to verify and confirm Cooked up by AFNI but XXXX XXXX XXXX official told me my account is closed. No debt! No outstanding payment! So why? Who gave them permission to my credit? Sir, Your help will be highly appreciated
04/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60504	Web
this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC \|1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and AFNI INC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
09/25/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 366XX	Web
After numerous attempts to have the debt collector to remove my name from their files, and reporting negative information to the reporting credit bureaus, such as XXXX, XXXX and XXXX XXXX. The collection company named AFNI has harmed my reputation and harmed my credit worthiness. After the mutual agreement with the original company XXXX, I had established many years ago, concerning the equipment use and the incurring fees and charges, would be established by tenants who remained in use of XXXX 's services and use of their equipment. XXXX was fully in compliance with such agreement. Years later I 've been notified, by AFNI that I owe them in a disclosed amount. I have repeatedly with unsuccessful attempts to dispute these claims by AFNI, with not positive results. I am therefore ; calling for a thorough investigation into the practices of the company named in this complaint.
01/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 318XX	Web
For the last year or two I have been getting repeated calls, emails, and debt collection from XXXX XXXX XXXX/XXXX. They are saying that I owe {$410.00} for service I had with them. I have stressed to them over and over that Ive never opened up an account with their company or never stayed at the address that was provided on file where the service was installed and used. This has become a problem because they keep issuing out the same collection under different agencies for the same revolving amount of {$410.00}. I have sent in documents and disputed the files online through XXXX but they always come back under a different agency. Also, Ive even went to there website and filed out an affidavit and sent it to the office back in XX/XX/2020, but received no response if the documents had been received on their end { XXXX XXXX XXXX XXXX associated with XXXX XXXX XXXX XXXX XXXX
02/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11103	Web
AFNI COLLECTION AGENCY they send me bill home withe incorrect info, they r claming i owe XXXX monney, i contact them to provide prove to me withe incoming and outgoing calls they r made from thet XXXX number they refuse to do so, i contact XXXX i ask them same question they toll me we dont have any account, i call back afni ask them agian for prove to send me home they only thing is they threating me with law suit and pay as the monney and do not send any affidavit to any goverment agencys they tell me i dont have right to do thet only think and right i have acording to this colection agency is pay monney thet i dont owe any XXXX to them or att, please help me to resolve this issue withe this AFNI collection agency and att ask them to provide prove to you withe any phone calls thet wose made from the phone they r claimg i opend in 2012 i never have any service withe XXXX
12/19/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 27520	Web
I was informed back in XXXX of XXXX that I had a debt being sought out to be paid XXXX XXXX. They claimed they were collecting on behalf of XXXX XXXX XXXX on a balance for {$90.00}. The account number I was given was # XXXX. At this time I disputed the information. It came back that they did agree to my dispute, deleted the information from all 3 of the credit bureaus and it was gone. Then I recently became aware that a new agency by the name of XXXX with a new account number listed under XXXX. I disputed this as well and it fell off of 2 of my credit reports but they have not removed the information from XXXX. I have sent debt validation letters back on XXXX/XXXX/XXXX to see if they would indeed verify this account but that has yet to be done. I am requesting to have this information promptly removed from my credit file as it is damaging and in my opinion fraudulent.
12/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37075	Web
Roughly XXXX XXXX 2017 XXXX tried to charge me for breaking a contract. I contacted them and told them I did not sign a new two year contract. They insisted I did. I then asked for documentation showing this " alleged '' contract where I was informed I had done it over the phone. I then asked for verification. I said since you state that all calls are recorded and monitored I would like a copy of my call and was told no. I never received any service and REFUSE to pay for something I never signed up for. Since then they have placed my account in collections. I then contacted both XXXX XXXX and XXXX where I was told it would be disputed. I was sent a letter and absolutely nothing was done. I called again to ask why and they had no answer. I do n't know what I can do because this is effecting my life where I was turned down for mortgage. Please help. Thank you, XXXX XXXX
09/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN XXXXX	Web	Servicemember
On XX/XX/2022, after attempting to speak to a supervisor from XXXX at three different intervals, XXXX, a female that I didn't get to have her name, and XXXX while assured someone would call me back within the hour after speaking to XXXX, the other two agents informed me that " no supervisor was available today. '' I wanted validation of debt and breakdown of charges as this account was opened under fraudulent circumstances to which XXXX was made aware months ago. XXXX informed me that XXXX no longer owned this account and could not look at the lease agreement and advised me to contact Afni. I was not provided anything to prove that this was my debt by XXXX or Afni especially prior to reporting to the credit bureaus. It seems that XXXX bills for fraudulent third party charges, as well. The attached leases are NOT MY signatures, nor am I a junior as I am female.
04/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75104	Web
This complaint is in response to the company 's response from complaint number XXXX. I disagree with the company 's response. They denied that any of my rights were violated and that is incorrect per 15 USC 1692e. If it is a debt that is owed like they " alleged '' all charges I owed should be shown in the negative per the LAW. Per my credit reports and the statements sent from the company the alleged debt is shown in the positive. If it is a debt and it is owed it should be shown in the negative. I have sent an Affidavit of Truth to the company in which they did not respond in the correct matter so per the law the debt should be removed from all of my credit reports and from their system. I also followed up with a Notice of Default and Opportunity to Cure on XX/XX/XXXX giving the company 10 days to respond and resolve the issue but have not received a response.
08/23/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NE 685XX	Web
Agency contacted me to get a hold of my sister. Phone # they called from was XXXX, or AFNI. My voicemail clearly states my name and not my sister 's name. Regardless, the agency left me a voicemail stating they were looking for my sister and then proceeded to say " This is a call from a Debt Collector ''. I have read and studied the FDCPA and I am pretty sure this is a violation of the Act. They have her phone #, which is in service. Her mailing address and all identifying info is up-to-date. There would have been no reason to contact me, let alone, to state that they were collecting a debt. It serves no purpose. I will be contacting my attorney with regards to this matter. I have not deleted the voicemail. The company needs to be held responsible for the collector 's training and negligence. If they did this to my sister, then they are doing it to everyone else.
03/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 850XX	Web	Servicemember
According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, AFNI is engaging in said violations of latter federal statutes. AFNI did not provide within 30 days of their notice of alleged debts, and furthermore do not enclose a date of when this alleged debt occurred. There is no itemized receipt that was produced within the afforded time frame of 30 days, nor any evidence that I owe any money to XXXX XXXX. I am enclosing a copy of my account with XXXX and it shows no past due balance, and this collection company is attempting to collect on a debt that does not exist. I am a customer in good standing with XXXX and do not owe any money. Thus I hereby refute the validity of this collection attempt, as null and void. This company needs to cease and desist and not communicate with me again on a debt I do not owe.
08/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 721XX	Web
Over the past few months I have been in constant contact with the all three of the major consumer reporting agencies regarding fraudulent established accounts currently reporting on my credit reports. After realizing I had became of victim of identity theft I completed a police and identity theft report and sent copies to each credit bureau. For some reason an account currently owned by a company named AFNI continues to violate my consumer rights under the Fair Credit Reporting Act and Fair Debt Collection Practice Act by reporting this fraud related account to my XXXX and XXXX credit report after being notified directly from the bureaus. In addition I never received any initial 5 day communication notice from this AFNI Company as per the FDCPA requires. I find this erroneous credit reporting unacceptable and AFNI is deliberately continues to violate the law.
05/04/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IA 50315	Web
On Monday XX/XX/2020 I received a call from XXXX XXXX XXXX XXXX. I answered the phone and asked who was calling they refused to answer me and then they asked if a XXXX XXXX was available, I asked them again to inform me of who was calling and they continued to refuse to answer my question about who was calling and what this was in regards to. This is a blatant violation of the FDCPA : 804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; The person who called me did not know who I was until I told him and he refused to identify himself and who he works for.
09/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10011	Web
In XX/XX/2019 I received a letter in the mail with the XXXX logo on it saying that I owed about {$450.00} and my account was suspended until I paid. It had a phone number to call to pay the balance and get my account reinstated. I have never had any XXXX account or wireless number associated with XXXX. I called XXXX to verify what the charge was, and they had no record of me having any account with them or any debt under my name. They told me it sounded like the letter was a scam so I ignored it. Today ( XX/XX/2019 ) I received a letter from afni debt collector that states I owe a XXXX XXXX balance of {$1500.00}. I do not have any idea what this balance could be since XXXX does not have record of me having an account there and I have not had any XXXX XXXX account in the past. Thank you for receiving my complaint. Please contact me with any questions.
10/09/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MI XXXXX	Web
I have disputed with credit bureaus XX/XX/XXXX who stated the it was verified with XXXX XXXX XXXX. I contact this company and found out the the debt was XXXX I called XXXX who I have service with as of now. XXXX doesn't show any balance amounts owning. If they did I wouldn't have current service with them now. I Explained that I have bank documents stating that XXXX was paid XX/XX/XXXX {$290.00} which left a balance of {$150.00}. Deductions paid to XXXX was XX/XX/XXXX {$150.00} and XX/XX/XXXX {$67.00}. I submitted my information to the XXXX XXXX XXXX collect they removed the injury. Now AFNI brought the account I sent a letter from them to validated the account I received a letter from them stating we investigated your dispute and updated our records as necessary. This letter serves as verification of the account. XXXX states that its nothing they can do.
03/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MN 553XX	Web
I closed my account with XXXX and paid them what I owed. After return there equipment I received a bill in the mail for movies they say I did not pay for. I called XXXX and we resolved the problem, I had thought. When we had XXXX as our Internet we were not able to get any of the movies we were trying to order. XXXX was no help we soon canceled them. XXXX at the time tried to help us get these movies and we could not watch them for some reason they would not come in. We tried many different things resulting in showing that we ordered these movies. They said we would not be charged and we were not at the time. Now somehow another part of XXXX has sent these charges to collections. After explaining more than once to the collection agency and XXXX, I am getting no where still getting bills and calls to pay. The collection agency is affiliated, there # XXXX.
08/03/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33435	Web
I 'm disputing the following debt with AFNI a collection agency in the about of {$310.00}, from XXXX. I 've contacted AFNI and was sent a bill. Well the bill is n't my bill and is a result of fraud. I have attached fraud paper from the IRS, also the address listed on the bill is n't my address. The bill date that was sent to me from X/XX/12 is from an address in XXXX XXXX Florida. At that time I was living in a total different city my address was XXXX XXXX XXXX XXXX XXXX XXXX Florida.. Again I was a victim of fraud and have a personal identification number for filing my taxes. I also check AFNI for license to collect in Florida after they were give me such a hard time after I told him that this account was fraud they have no license to collect on a date in Florida. Please see attached paper stating AFNI is n't license to collect in the state of Florida.
07/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75070	Web	Servicemember
AFNI is trying to collect a {$350.00} XXXX XXXX " debt '' from me. Here is the problem with their claim : - I have never had an account with XXXX- I NEVER lived at the address they are reporting the debt occurred- They REFUSE to verify the details of the debt i.e what months and from what years I owe and what XXXX services I used-They refuse to verify my birth date and social security number. -The FDCPA requires them to give 30 days notice of any debt owed. I never got such notice. I have disputed this account several times with XXXX and the other CRA 's but each time AFNI has knowingly falsely verified the debt as being accurate. That is an egregious violation of the FCRA guidelines and there are severe fines and penalties set forth in the FCRA for this type of behavior. I want this collection account removed from all XXXX credit bureaus right away.
05/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 079XX	Web
I have a XXXX account that was closed XX/XX/XXXX. XXXX closed only part of the account when I thought is was completely closed. We paid whatever was left finally XXXX XXXX, XXXX, but they did not close the account, because someone didn't do their job. Now XXXX gets bought out by XXXX XXXX and I can not contact them and get this resolve. No one will send me the non existent bills and only that XXXX has sold my debt to several collection agencies. I get mailed and called by AFNI, XXXX, and XXXX XXXX XXXX for this false debt. They have ruined my perfect credit and I just get more and more collection agencies writing, and calling me. Please let me know how I can stop this madness. I have spend 2 years trying to get this resolved and XXXX has also not investigated this when I have asked them to. Let me know what I can do to get them to stop harrassing me.
12/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MS 39648	Web	Older American
Afni collection agency is coming after me for a XXXX XXXX bill that is my sons. ( {$300.00} ). He is the account holder, the debt is in his name, his address and his phone number. All signatures on the service agreement are NOT mine. They have my name on the top of the agreement ( which I never saw ), that is all they have. Afni, XXXX XXXX XXXX IL XXXX, is attempting to collect a debt I knew noting about and threatened to send to the credit bureau. I am a XXXX XXXX XXXX woman living on social security. I tried explaining to them that it was my sons debt but to no avail. I do not know what to do. I can not attach any documentation but I have it physically. I do n't know what to do. I have called legal aid, they told me to go to XXXX Mississippi. When I went to the web site there was nothing for me to acknowledge, just a section to complain. Help please
08/11/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30213	Web
after viewing my credit report in XXX 2017 i noticed their were a few items on my file in which i did not apply for nor authorized. i reached out to the companies as well as the credit bureau to dispute them. i obtained a police report and sent to the collection agencies as well as a dispute letter asking for verification bearing my signature. they did not send the verification but in XX/XX/XXXX sent a bill and a letter asking me to send in 2 utility bills and my identification. this is strange to me considering the fact that i sent them a dispute asking for verification in XXX 2017. It has now been well over 30 days and i have not received the verification and the incorrect information is still on my file. This is totally against the law and against FCRA rules. I also reached out to XXXX whom is the original creditors but there was no resolution
06/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34202	Web	Older American, Servicemember
AFNI, INC. collection for a XXXX account : Have notified XXXX that it is identity theft/fraud as the XXXX charge that is in the hands of the collection company AFNI is not ours. We have NEVER had a XXXX account of any kind. We discovered this on our credit report yesterday XX/XX/XXXX in discussion with a mortgage lender who sent us a copy of it. We have never been contacted by anyone regarding this despite it showing as going back to last year XXXX, and have no knowledge of it, as we ever incurred a debt to XXXX. Have tried repeatedly to reach AFNI by phone without success. Left on hold in voice system without anyone ever picking up. Took photos of the phone face showing staying on hold anywhere from 13 minutes to a half an hour each time before giving up and hanging up. Have emailed the company as well from their site, with no response. .
02/20/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 284XX	Web
My husband and I both received letters from AFNI, both letters dated XX/XX/XXXX. Both letters stated we are liable for payments paid out on an insurance claim from XXXX XXXX, from a chain XX/XX/XXXX. I responded with two letters ( one for my husband and one for myself ) via certified mail asking for validation of the debt. On XX/XX/XXXX, my husband received another letter saying we are liable for such debt and the letter had no validation included, even thought the letter says " please review supporting documents '', the document was a form they wanted us to fill out asking for our insurance information. I proceeded to send yet another letter XXXX, asking for debt validation. Today XX/XX/XXXX I receive the same letter with no validation of debt. I am sending a letter back via certified mail disputing such debt as they can not vadliate the debt.
05/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	TN 380XX	Web
We had XXXX XXXX XXXX XXXX in XX/XX/XXXX, which we had problems with it working correctly. We called to cancel the service and a representative informed us that they would send a return shipping box for all of the equipment to be sent back to their warehouse. The day this was done we called to let them know and the representative informed us that we would not owe anything on this account. XXXX XXXX XXXX turned it over to a collection agency, then took it back and turned it over to another collection agency. The collection agency shows it as an open account for XX/XX/XXXX, the representative that I had talked with was very demanding and rude. We were told if we do not pay this account in full then we will be charged with criminal intent not paying this debt. I do not think this is good business for any company. I would not recommend XXXX to anyone.
08/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73034	Web
I submitted request to XXXX & they replied its my Debt? My request was this I took a class tonight & learned this I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 a number 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681 b number 2. \| never instructed you guys to furnish this report and I never consented to this report in the first place. What I am demanding right now is that you guys delete all of the info on my consumer report
04/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KS 66212	Web
I check my credit report and i was surprised to find that I have a collection from XXXX that XXXX put me with AFNI collections I have no knowledge of this account. I contacted the collection agency and explained to them I have no knowledge of this account and asked of any documentation or authorization by me supporting this account with XXXX they put me on hold and told me to contact XXXX. I did.They said they will check and get back to me which they did not. I did several attempts to resolve this dispute but they keep giving me the turnaround without giving me any kind of proof. Therefore I ask the CFPB to open an investigation and order the collection agency to delete and remove the collection from my credit report with all 3 bureaus XXXX, XXXX, and XXXX. Or provide me with the signed documentation authorizing XXXX or any other kind of proof.
11/01/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 44107	Web
I am writing to dispute a billing error in the amount of {$1500.00} on an XXXX XXXX XXXX statement sent from XXXX XXXX XXXX. The amount is inaccurate because when the service was disconnected, I sent a check for over {$500.00} that was returned, which was the total amount due. The service was off, and from my understand there was only the amount for the next month owed that was not {$1500.00}. Im not sure why the account kept being charged after it was not on. I paid the check through a collection agency, and this amount was never credited to the account. I was sent a bill, not an itemized statement explaining the charges. This account has been disputed before, but for some reason this company added it back on my credit report. Enclosed is a copy of the bill that was sent to me from Afni. I do not owe this amount. Please investigate this matter.
10/31/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 44107	Web
I do not believe this is even a debt I incurred they tell me that the debt was made ( XXXX ) in 2013 but it just magically appeared on my credit report this past XXXX, I never received any letters, phone calls, or any correspondence whatsoever. I only recently discovered it because of a financial transaction that I am in talks to make. I called them 3 times and they were rude and uncooperative even when I told them I was willing to take care of this ( even though I do not agree with it, just to get it gone ) if they would remove it from my credit report and they told me NO in no uncertain terms each and every time I phoned even speaking with a supervisor. my financial advisor recommended that I reach out to you so that you may possibly get this right. again I reiterate I NEVER had a chance to even settle this because I never even knew it existed
11/18/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 45211	Web
XXXX contacted me about a old phone bill that had been placed in there office by XXXX for collections XX/2016 for {$1000.00}. I ask Afni to provide me proof that I owed {$1000.00} they could not. I had the last bill which stated I only owed around {$450.00}. I provided the collection company with that information in which they agree to take payments of {$150.00} until the {$450.00} was paid. After paying the agreement amount I never heard from the company again. I remember went recived my credit report and they have put another {$600.00} collection on my file after I have paid the required amount! This has been detrimental to my credit score and has kept me from obtaining credit! I would like for the account to be marked as paid in full and removed from my credit report! I have attached my bank statement for the 3 payments totaling {$450.00}.
01/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30004	Web	Servicemember
I received a collection notice from AFNI about a bill from XXXX XXXX XXXX ( XXXX ). I contacted them by phone to let them know that i have never had an account with XXXX XXXX XXXX. They advised me to file an identity theft claim. After doing so, I received another letter from AFNI informing me that XXXX XXXX XXXX determined the account to be valid but did not send any proof, other than the letter attached, or their method of validation. Which is unacceptable. I am exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all validation to investigate this matter. I am absolutely positive this erroneous item does not belong to me and should be removed from my credit report, along with all other files in connection to the account, immediately. Please see attached letters : AFNI collection notice AFNI fraud response
05/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MN 55106	Web
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account
02/21/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD 21122	Web
This company is calling 8-10 's a day using robocallers that do not leave a voicemail, however there is always a rising or tail tone message left. There is no identification of the business in any messages and there is always 5 calls that are done through number spoofing. When trying to contact this business back, unless they're calling from the number attached onto this form, there is instantaneous answering of the call and the company does not identify itself as a collection agency. The company does not comply when asking what type of business they are and they demand a yes or no verbatim in order to even learn about who they are. They have been calling and abusing my home phone number for over a year and with no end morning, noon, and night. I have not gotten a single piece of physical mail from this company and believe it to be a scam.
12/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30281	Web
XXXX XXXX XXXX turned of their DSL service to my residence in XXXX of 2021 but continued to bill me for the service even though they made the switch for my service to be provided through XXXX. I have written letters to XXXX XXXX XXXX and their endless collection agencies to no avail. They are harassing me for payment of services they no longer provide, along with late fees. This latest attempt comes from a forth collection agency and if the harassment continues I will look into what legal actions are available to me to sue for harassment. I have made it clear I am more than willing to meet them in court with all the documentation to support my argument showing that XXXX XXXX XXXX shut down their DSL service and forced me to go elsewhere for my internet service but they continued to bill me for the service they were no longer providing.
09/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29579	Web
This debt was owed and was with a different collection agency last year. I made arrangements and paid this debt in full, I was promised that it would be off of my credit report within a month of receiving the final payment. I did not hear back from that collection agency, but a few months later I began receiving bills for the same debt but with a different collection agency. I have explained to them that this has been paid, they claim to have no record because they are a different agency, and they still have not corrected their mistake. This debt is paid, and has been paid for months and I can not seem to get this problem solved. Please help me! This new collection company is called AFNI on my credit report and is trying to collect an old paid off XXXX XXXX XXXX bill. Either they are making a mistake or I am a victim of identity theft.
07/07/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10309	Web
I received a bill from AFNI INC. SUBROGATION DEPARTMENT. It states that they represent XXXX XXXX to whom I owed {$2900.00} for payments they made to their policyholder due to a car accident with my involvement on XXXX-XXXX-2017. File # XXXX. Claim # XXXX. I contacted XXXX XXXX and they said they were not aware of such bill and that I do n't owe them anything. Then I called AFNI on XXXX-XXXX-2017 at around XXXX and spoke with a gentlemen who was not able to give me the source information for this claim and demanded me to have my insurance company contact them for making this payment. He was EXTREMELY RUDE AND THREATENED ME to revoke my driving license if I did n't. I asked him to calm down and not raise his voice at me. He said that I should be looking for notification in the mail for my license revocation by some department very soon.
11/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 77077	Web	Servicemember
AFNI has once again started to collect on a debt that I have disputed and have been proven to be settled/paid with XXXX. today I received a letter and I called AFNI. The agent stated that they never have had this account and I told him that they removed it from my credit report on XXXX XXXX, XXXX. He refused to listen to me and said I to pay it. XXXX is billing for cancellation of my contract. At the time I cancelled, around XXXX of XXXX, I went into XXXX to complain about the lack of service I was receiving in the new area I move to. The agent said their was nothing they could do about the service but would allow m to cancel. So, I did and went with XXXX. I never got a call or heard anything from XXXX until XXXX. So, I started to dispute their allegations. XXXX is hiding behind this collection agencies and they continue to harass me.
09/17/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77338	Web
In regards to : AFNI, Inc XXXX XXXX XXXX XXXX XXXX . or XXXX. XXXX XXXX XXXX, IL XXXX I requested a debt verification over the phone and never received it. So I decided to send a letter of verification by mail via XXXX signed delivery XX/XX/XXXX. AFNI received the letter on XX/XX/XXXX and was signed by XXXX XXXX. Today while checking my email I received a notice from my credit monitor that I have an update on my credit profile. AFNI reported to XXXX that I have an 'Account Considered Derogatory '. I know that my right is the be protected by the Violation of the Fair Debt Collection Practices ( FDCPA ) and that while a validation is in process the collection agency is not allowed to report to any of the 3 major credit bureaus. I am just trying to stretch my right to request verification under 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
01/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TN 371XX	Web
Open collections AFNI from XXXX. I contacted XXXX on this matter and spoke with XXXX different people. No one could provide any infromation about why I was turned over to collections. When I called XXXX they had all my personal information. Since I had canceled my service over 4 years ago they had no record of my account. At the time of canceling service I was told I would not owe anything as long as I returned the equipment. I returned the equipment to XXXX in the allotted time given. I canceled my service with XXXX due to price increase I was no longer under contract with XXXX when canceled I returned all equipment to XXXX I provided my current billing address to XXXX I provided my current email address to XXXX I provided my current phone number to XXXX After all with I never received any emails, phone calls, or bills from XXXX.
12/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60193	Web	Servicemember
I XXXX XXXX receive negative information on my credit report that adversely affected me from getting a home loan.This company Afni inc has filed a delinquent account with the 3 credit bureaus under my social security number for an account that is not related to me. This posted on my credit report as of XXXX XXXX. I followed up with a dispute letter an later an validation letter no response. So on XX/XX/2020 I resubmitted an validation letter and on XX/XX/2020 my credit report was updated and reported as previously in dispute - now resolved by subscriber. I have never heard of this company before nor had an account with them. This company has never reached out too me about this account or sent out any documentation about this item. I am looking for a swift resolution of removal from my credit file to continue the home loan process.
06/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76116	Web	Servicemember
This is not a valid debt. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. I have also signed up with XXXX XXXX XXXX for internet and was required to go through a credit check with XXXX XXXX XXXX and other XXXX XXXX XXXX companies. This debt is from XXXX with XXXX XXXX XXXX XXXX and was resolved with XXXX XXXX XXXX. It was resolved as paid in full. I have not entered into a contract with AFNI and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor. It was resolved as paid in full. I have not entered into a contract with AFNI and the debt did not originate on XX/XX/XXXX. That date is not correct and should not be used even if this debt had not been taken care of with the original creditor.
09/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 48198	Web	Older American
I called XXXX XXXX XXXX to inquire about getting my daughter phone service at her address- in my name. After taking all my information the young man I spoke with informed me the service I was inquiring about was not available in her area. I thought that was the end and then I started getting bills from XXXX XXXX XXXX addressed to me at my daughter 's address. Eventually the bills started to come to my home address. After several contacts with XXXX XXXX XXXX and explaining I had not had service from them ( at MY home address ) in over 20 years I received paperwork explaining I was released from owing that bill. Now I am getting calls from this company AFNI saying I owe them that amount even though I never owed XXXX XXXX XXXX. I never owed XXXX XXXX XXXX and have no idea why I owe these people who call me continuously and persistently
08/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MO 63118	Web
AFNI have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these violation. Afni has violated the Fair Credit Reporting Act ( FCRA ) and its implementing rule, Regulation V, by furnishing false damaging misleading information on my consumer credit report. I have sent a affidavit of fact regarding the laws under title 15USC 1692 and 18 U.S. Code 1341 Frauds and swindles AFNI has violated for attempting to collect a debt. I also mailed an Enforcement action, cease and desist and exhibits proving the violations. AFNIs consent order requires Afni to take certain steps to prevent future violations and imposes a civil money penalty.
05/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	TN 380XX	Web
In 2012, we had XXXX and with in the same year we called them to cancel the service. We had way to many problems with the service working correctly and they did not seem to care if it was working or not. The day we called XXXX a representative informed us that we would receive a box so that we could ship back all of the XXXX equipment. We were also informed that we would not owe anything and they would be responsible for the shipping. XXXX turned this account over to a collection agency and then pulled it back and turned it over to a different collection agency. The collection agency representative that I talked with was very rude and telling me that we would be committing criminal charges if we do not pay this debt off in full. I do n't think this is an appropriate way to do business because I would not recommend XXXX to anyone.
05/22/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 94115	Web
A woman named XXXX XXXX from an undisclosed company called my personal cell phone from XXXX ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX Pacific Time. I believed it to be a spam called and so I hung up as I was on a work trip and very busy. I later find out that she called my landlord on the same day and left an incredibly aggressive voicemail for my landlord. The voicemail was forwarded to me - all that XXXX XXXX gave was a phone number ( XXXX ext XXXX ) and demanded that I call her back immediately. She said it is MANDATORY that you call me back. She provided no other information, I have no idea where she works and the call back number is just a voicemail. This is harassment - a debt collection extortion scam attempting to create panic and embarrassment so they can scare people into paying their extortion money. This must stop!
05/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07018	Web
DEAR AFNI, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. ORIGINAL CREDITOR : XXXX XXXX ACCOUNT # XXXX AMOUNT DUE : {$1500.00} SINCERLY, XXXX XXXX
03/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	NY 11570	Web
I disputed this bill thru XXXX and XXXX closed and removed and then it was removed from my credit repot effective XX/XX/2017. I thought it was over then Afni picked up an bill that was closed by creditor in the amount of {$1100.00}. Afni then went to contact my entire family. My XXXX year old father. Threatening everyone stating they where from court systems and that an warrant was issued for my arrest. Then they went on to call me after going after my family called me a liar and I asked them to not contact me again.I consider this a defamation of character an would like to see Afni get what they deserve.. I just really want this off my report for good as agreed by XXXX. I wish I could sue Afni. The nerve of them to go back into old closed court records and tell my family I am a criminal while I have lead a productive career.
10/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	KY 40216	Web
I paid off an Afni XXXX account XX/XX/XXXX the original dedt XX/XX/XXXX they told me if I paid then they would remove it. I have done several disputes and they continue to change the date of last activity. They are doing this and its wrong. I had a head injury I am on XXXX and I feel they are exploiting me. AFNI XXXX XXXX XXXX XXXX XXXX T XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : PREVIOUS STATUS XXXX : PAID ACCOUNT. ZERO BALANCEXXXX : ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTOR 'S INTERNAL COLLECTION DEPTXXXX : ACCOUNT INFORMATION DISPUTED BY CONSUMERXXXX : XXXX : ACCT INFO DISPUTED MEETS FCRAXXXX : CONSUMER DISPUTES THIS ACCOUNT INFORMATIONXXXX : COLLECTION ACCOUNTXXXX : XXXX MAY SHOW A CURRENT RATING OF XXXX ( SETTLED OR IN COLLECTION ) DUE TO THE XXXX PAYMENT PATTERN
06/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 902XX	Web
I received a notice from Afni asking me to pay a specific amount of XXXX to settle a debt on a 'discount '. Although I was laid off, in an attempt to stope them from sending more letter to my neighbor I sent a check for exactly XXXX by the date they asked. Now I 'm being asked for over {$100.00} more which was never disclosed to me in writing. I attempted to settle the debt on their terms and they are not honoring it. Now I 'm receiving more letters asking me for more money under the same pretense of settling my debt at a 'discount '. I 'm trying to do the right thing by paying what I thought would settle this debt. I am unemployed and I need every penny I have. I do not appreciate them asking for more and more money than they asked for in the first place. They are also sending mail to my neighbor who has been upset with me.
07/11/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CO 809XX	Web
I am receiving multiple calls from this company on multiple occasions. I know they are allowed to call once a day and I have no problem with that except they never leave a voicemail.I have received a calls on many dates that I can provide call records for, these are the ones that stick out the most, XX/XX/2019 XXXX XXXX ( this one I answered and got no response on the other line ), XX/XX/2019 XXXX XXXX ( 3 separate calls at this time ). I called and asked why they were calling so much and was told, " sorry for the over calling '', -I asked they remove my number and the gentleman said ok and hung up. This is all from -phone # XXXX. I have read reports about them using multiple numbers but those numbers can not be found. I have a few numbers I have blocked. I don't know if they are related due to them never leaving a message.
11/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 78746	Web
I am a victim of a well document identity theft. The original creditor recognized the identity theft and the MULTIPLE previous debt collectors have recognized this as well and have ceased collection efforts and removed any negative reporting on my credit file. This debt collector bought this debt for pennys from a previous debt collector who acknowledged this debt was invalid due to it being tied to the identity theft. I have had to involve the CFPB for previous accounts opened in my name. I have attached a letter from my bank which details how the identity theft began as well as a letter from another debt collector regarding another account opened due to identity theft and their removal of the debt proving that the identity theft happened and this debt is not valid. This debt is not mine and is a result of identity theft.
09/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 381XX	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... AFNI ( Original Creditor : XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
04/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44118	Web
In 2020 I called AT & T to get service for my new apartment on a recorded line and was informed that I already had an account with them. I inquired as to when, where, what and how. The representative informed me that the address was an apartment on XXXX XXXX XXXX ( that I was not associated with ). I informed them that I never resided there and wanted the service terminated. I requested to speak with a manager to ask how they allowed someone to open an account and get service installed without my knowledge or consent. I was told that there was nothing that could be done. Now today I received a notification that I owe {$2500.00} for that fraudulent account. I would like this debt cancelled and not reported to my credit report as this was identity theft and can be confirmed by listening to the recorded call with AT & T.
12/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48227	Web
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
12/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48227	Web
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
10/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19120	Web
As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with AFNI INC on Sunday XX/XX/2021. I request that this account is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.
07/24/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78240	Web	Servicemember
I received notice on XX/XX/XXXX that I had an account in collections. I didnt recognize the company and knew Ive been paying bills on time. So I reached out to the company and asked what account could I have in collections? I was told it was an old account from XXXX from XXXX XXXX XXXX tv service. Its an old debt they received in XX/XX/XXXX. I stated this account was paid off Back in XXXX. I asked if my account was with them since XX/XX/XXXX why is this the first Im hearing of this? The male rep stated they never sent out any correspondence to me. No letter, no phone calls, no nothing. So I asked them to take it off my report. The man said he would do so but didnt know when it would occur. This has caused my credit score to decrease 40 points. This is hurting me since Im trying to buy a home but this reduced my credit.
08/18/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	FL 33025	Web
I expressed to XXXX I would be moving to another address which did not allow services in XXXX XXXX before I moved back to my mother 's house. My lease was up XX/XX/XXXX. As I moved back into my mother 's address, I replied to every call and send a couple of letters to XXXX explaining the situation of me having to moved and relocate due to my lease being expired. After a few attempts of calling and letters to the dispute department, XXXX has hired a third party ( AFNI ) to recover activation fee cost of {$280.00}. An XX/XX/XXXX letter states if I do n't pay they will go into my account and charge for the above amount as well negatively effect my credit. XX/XX/XXXX I spoke with XXXX at AFNI she expressed credit will be effected and XXXX with XXXX expressed it was not their concern and that I chose to leave the residence.
07/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 782XX	Web	Older American, Servicemember
XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquiry and or Collection Accountwhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat I did not authorize. I suspect fraud, and have reported this incident at XXXX, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. Thank you for your assistance. Sincerely, XXXX XXXX XXXX
07/21/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 782XX	Web
After reviewing my credit profile on XX/XX/2020 I identified a discrepancy with an account listed under AFNI , Inc. and validation was requested on XX/XX/2020. On XX/XX/2020 I reviewed my credit profile again as AFNI, Inc.had not responded nor was the account reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2020. Credit report was reviewed again on XX/XX/2020 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
01/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 932XX	Web
I discovered a fraudulent debt on my credit report in XX/XX/2015. At the time I was told by another debt collection agency that the account would be canceled and sent back to XXXX XXXX. Now, AFNI has received the XXXX assignment again and they have illegaly credit reported this to my credit reports. I am in the middle of financing a home and this is causing me significant damages if it does not get resolved IMMEDIATELY. I have a police report and fraud affadavit that has this account listed as a fraudulently opened account and demand this item be removed from my credit report. Should I suffer any damages from AFNI 's willfull negligence in credit reporting this I will hold them liable for everything I will lose including my earnest money deposit and less than prime financing terms that they are going to be causing me.
06/27/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34691	Web
I have been monitoring my credit for a while now. Some time ago, I noticed a collection regarding XXXX XXXX ( then reported by a debt collector called XX/XX/XXXX ) that was reported as owed by me, in error. I disputed it as such and it was deleted. Now, I come to see that in XX/XX/2018, AFNI started reporting the same debt ( still shouldnt exist ) for XXXX XXXX. What is the point of working to get erroneous collections removed if new companies are just going to start reporting them the second another is fixed? If it wasnt legitimate then, it isnt legitimate now. I did explain this in a dispute to AFNI via XXXX ; AFNI apparently verified their information reported to XX/XX/XXXX was accurate. I do not see the account as even so much as being reported disputed by AFNI. I have made two other disputes without any result.
06/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	MA 01810	Web
XXXX of weeks ago i happened to check my credit report and i realized that it had addresses that i have never lived, several activities that i was unaware of. XXXX activity claimed i had service with XXXX and did not pay my bill, so XXXX passed on that debt to debt collector " XXXX XXXX XXXX '' amount of {$1100.00} under XXXX account number XXXX. I filled a claim with CFPB to XXXX XXXX XXXX with explanation that i had never had XXXX services and my identity was compromised. After a few days of investigation account was recalled by XXXX and closed on XXXX/XXXX/2015 agreeing that it was fraudulent account. Few days later i got a debt collection notice from " Afni XXXX '' with the same XXXX account number and amount claiming its new collection notice, i reached out to them and did n't get any help. see attached document
02/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60707	Web
As a current customer of XXXX/XXXX XXXX for internet service, they allowed for a second account to be opened under my information, using a different address, and never attempted to notify me about it. As their current customer, they should be able to see that if a second account is attempted to be opened, some sort of notification should be sent to the current method of communication to confirm new service. And I only was able to determine the information of the fraudulent account from the third party collection agency that place a negative trade on my credit bureau. XXXX was not even able to find a second account under my information when I called in. Their failure to protect their own customers puts every since person that does business with them at risk for identity theft by not verifying information correctly.
05/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 37917	Web	Servicemember
I have repeatedly over the last 18 months had a debt that claims to be originated from XXXX or XXXX XXXX. I do not owe anything to them and completed my contract in full. One of the debt collection companies named afni, inc. has repeatedly added the debt to my credit report in a different amount. I have successfully disputed it several times, yet they eventually add it back for a different amount Everytime. I am in the process of buying a home and this has caused problems with my closing process as well as affecting my mortgage elegibility. The latest amount was added as {$870.00} on XX/XX/XXXX. I do not owe anything to anyone at XXXX or XXXX XXXX and these small debt collector companies that keep trying to attack my credit report as a form of harassment after I keep getting it removed after a dispute is wrong.
05/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07203	Web
XXXX XXXX keeps calling to collect about {$260.00} for service on a XXXX tablet. First of all, that tablet in question has been out of service for about 4 years. I called to remove to the account, they claimed that I could get charge for early termination. I always paid my bill from a text message and wasnt aware of still getting charge since that time for the tablet. I called to suspend my service ( 3 mobile phones ) in mid XX/XX/2020, they told me that once I moved to a new carrier, everything would taken care of automatically. Now they stated theyre unable to remove the charge for that XXXX tablet when they also confirm that they did see any data was used on it for several years. They also claimed that I would get charge an extra {$5.00} if they mail the bill to me. The new bill now is {$280.00}. Please help
10/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48390	Web
In 2019 I paid my last bill with XXXX XXXX XXXX and instead them ending the contract they wanted to up sale me. I have filed complaints against XXXXXXXX XXXX XXXX before. It's been about 8 months sense the last complaint I filed against XXXXXXXX XXXX XXXX. Now XXXX XXXX XXXX sent my a collection notice through a company called AFNI. Now XXXX XXXX XXXX has a different amount, They are referring to this as a discounted offer. This is a fraudulent attempt by XXXX XXXX XXXX to collect money not owed. The amount XXXX XXXX XXXX said I owed is {$490.00}. Now, it's been reduced to {$270.00}. When I contacted the company before I filed my original complaint, all their customer service reps acted as they did not know who I was. All of their reps read from a script so they are not going to try to solve any problems.
08/31/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77386	Web	Servicemember
I have recently checked my credit reports and found a couple of accounts listed as collections accounts that I have no knowledge of. The listed company goes by the name of AFNI, INC. I've checked all of my files and records and was never able to find any bills connecting me with the listed company. I immediately disputed the accounts on XX/XX/20 but received a response that the account was updated with no change. I have reached out again requesting the company send me proof that I was indeed the one responsible for the bill that they claim I owe but still have yet to receive anything. This is affecting my credit in a negative way, and I plan on refinancing my home and as well as purchase a new car for my son who will be headed off to college after his senior year. Please help me get this issue resolved. Thanks
09/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33409	Web
AFNI, INC. is reporting a collection on my report in which the orgiinal creditor is SPRINT. Also XXXX and XXXX continually to verify the account and ignore my request for the method of verification which is a FCRA violation. I want this to be verified or removed permanently from my credit reports. also i want it to be known that a bill from sprint does not suffice as verification. their need to be a signed contract with my signature for this company that is reporting to the credit bureaus with my information in which they should not even have. Also AFNI, INC. does not even show as having the ability to collect any collections in the State of Florida so they would need to get this removed as I am telling them to Cease and Desist because this is a direct FCRA violation of knowing and willfully breaking a law.
06/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98374	Web
I have a XX/XX/XXXXaccount. I reviewed my credit report and found a fraudulent entry. It appears XXXX reported to AFNI that reported to the credit agencies XXXX and XXXX that I did not pay a bill. This is impossible because I dont have a XXXX account. The XXXX client account is not mine. If you check that account, it states the name is different. This faulty name is tied to my personal information. ( SS #, Address, DOB, etc. ) This is costing me thousands of extra dollars due to a higher interest rate on a home loan because of the lowered credit score caused by this matter. I tried to track the problem through AFNI, they said it is not there problem. They sent me to XXXX which is part of XXXX now. I spent hours going in circles trying to get it fixed. The links at XXXX do not work. XXXX has fixed the problem.
11/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 62234	Web	Servicemember
This is the SECOND time this has happened with this company. This time, it is an XXXX XXXX XXXX bill. XXXX Acct : XXXX Afni Acct : XXXX {$35.00} balance due. Just like last time with XXXX, I called the one who is allegedly owed a debt, XXXX XXXX XXXX. They said that the account number wasn't a correct account number and therefore couldn't verify anything. I confirmed that they had no number with the name and they sent me to a fraud reporting line. I tried calling AFNI. They sent me to a supervisor 's line, but the supervisor wasn't there and it went to email. Please keep me informed on the results of this complaint in case I wish to pursue legal action. This is the second time I've had issues with this company. Last time, they threatened legal action against me if I didn't respond within a few days.
03/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76131	Web
I received a credit monitor alert for things I have no knowledge or applied for. I contacted XXXX XXXX, XXXX, XXXX and AFNI collection company about fraudulent accounts being on my credit report. Someone obtained a phone account with XXXX XXXX XXXX XXXX in the amount of {$290.00} in XXXX of XXXX. It was removed from my credit reports with XXXX XXXX XXXX XXXX XXXX XXXX in XXXX after my complaint and report of identity theft and now the exact same charges of {$290.00} from XXXX XXXX XXXX is back reporting through another collection company called AFNI located in Florida. I want these unauthorized fraudulent accounts to be deleted. I have filed numerous complaints but yet, AFNI and XXXX XXXX XXXX continues to attempt to collect a debt that is not mine and not owed repeatedly putting it back on my credit reports.
12/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 323XX	Web
I was recently release from prison and reviewed my credit report and notice that there were collections that I am not responsible for. I am a victim of idenity theft. I have attempted to reach collection company and have not recieved a return phone call. I made a effort to call on XX/XX/2021. Below is a copy of the collection and information. AFNI, INC. Original creditor : XXXX {$350.00} Balance updated XX/XX/2021 Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2021 Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$350.00} {$350.00} Payment Info Original balance {$350.00} Balance {$350.00} Status Seriously past due date / assigned to attorney, collection agency, or credit XXXX XXXX internal collection department Status date XX/XX/2021 2021
02/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 86314	Web	Servicemember
XXXX XX/XX/XXXX - AFNI, Inc notified me via mail of alleged debt of {$880.00}, owed to XXXX XXXX XXXX. XXXX XX/XX/XXXX - I sent debt validation request letter to AFNI, Inc IAW Debt Collections Practices Act. I specifically asked for a detailed description, an itemized description, and copies of all documents showing my agreement to purchase any product/service from XXXX XXXX XXXX. The letter was sent REGISTERED MAIL, RETURN RECEIPT REQUESTED. XXXX XX/XX/XXXX - I received another letter from AFNI, Inc alleging a debt of {$880.00}, owed to XXXX XXXX XXXX. In this letter, AFNI refers to my recent IDENTITY THEFT and XXXX XXXX. I haven't had an IDENTITY THEFT, nor have I ever had an account with XXXX XXXX I am also sending a Cease & Desist letter to AFNI, Inc, via REGISTERED MAIL, RETURN RECEIPT REQUESTED.
01/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 800XX	Web
On XXXX I sent a validation letter, on XX/XX/XXXX I received a response back stating that their " validation '' shows that the debt was mine. ( please see attached letter ) they provided me with something typed from their office, without any proof of this belonging to me. XX/XX/XXXX I sent a letter to basically tell them they failed at the validation and they needed to cease and desist with the collection unless they provided me with proof of contract, when the services occured, what the services were for, etc. on XX/XX/XXXX they responded with a letter stating this was a duplicate request. They are in violation of FDCPA, Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ). As well as failing to Cease and desist. Ive attached all correspondence from myself and AFNI
08/25/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MI 48047	Web
Before I knew my options with debt and my credit afni had harassed me with multiple phone calls. They reported the debt to the credit bureaus which affected my credit in a horrible way. I decided to final give into their harassment and paid the XXXX account on the last phone call we had afni had stated that they understood financial hardship and damage to the credit and said if I paid them it would be removed from my credit. I asked what it took to do that. I was told once payment ( {$100.00}. ) cleared they would request the bureaus to remove it. I was informed as little as 4 weeks but up to 12 to update. So I paid them around XX/XX/XXXX. Only to realize I was lied to. They dont even have the required license in Michigan. License # XXXX agency/non-owner manager license XXXX XXXX XXXX XXXX license # XXXX
11/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30260	Web
My contract with XXXX was completed and I did not want to renew my service with them because of the rate increase. I sent the equipment back. Later I was charge {$250.00}. because I did not renew with them, I spoke with this company on numerous occasions to have this error corrected, but was not able to get this resolved. I filed a complaint with FTC about this issue and the numerous different collection agencies that keep reporting it to the credit reporting agencies. It will be removed when I file the compliant then another debt collection agency will file in the credit system. This is an on going cycle and I am requesting to have debt error removed permanently from my credit. As a responsible consumer I feel this a bulling tactic from this organization ( XXXX XXXX XXXX ) when they can not get their way.
09/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WV 263XX	Web	Older American, Servicemember
Received letter dated XX/XX/2021 showing an account placed for collection with afni. Details show debt owed to XXXX XXXX XXXX I have not had an account with XXXX XXXX XXXX. Tried to contact afni by phone with no success, but sent by means of the internet I connected with their web site and informed them that I did not have such account and they had probably contacted the wrong person. I have not received any response from them. I do not know if this is an error on the part of the collection agency or a case of fraud to obtain money. I have never received any contact from XXXX XXXX XXXX regarding any account, as I have stated I do not have an account with them. I think any proof of debt owed must be provided by afni if they believe they have any legitimate reason to be pursuing the action they are taking.
03/31/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 96003	Web
In XXXX I switched phone companies from XXXX XXXX XXXX to XXXX. I paid my last bill in full to XXXX XXXX XXXX. I called and verified that I was clear of all debt and account closed, XXXX XXXX XXXX confirmed this. Within 1 year I received letters and phone calls about a XXXX XXXX XXXX dollar debt owed to XXXX XXXX XXXX that went to collections. I do not remember the name of the first collections company. Again i called and confirmed with XXXX XXXX XXXX and they told me they we're in no way associated with the collections company and that i owed nothing. Eventually after tons of harassment and me telling them I spoke with XXXX XXXX XXXX, they stopped. Now around 6 months or so ago, a new collections company is calling daily, sometimes twice, and has sent mailers as well. AFNI, is the name of the company.
08/05/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30310	Web
In an attempt to collect an invalidated debt, Afni, Inc. Violated my consumer rights and furnished a false and deceptive form pursuant to 15 USC 1692j. Additionally, Afni Inc threatened me in regards to said invalidated debt and said that they would put a negative remark on my consumer report if the debt was not paid, which they have done. This is direct violation of 15 USC 1692d. There have been numerous attempts by Afni to collect something that has not been validated and that I do not owe. I am fearful that Afni will continue to make threats against me and harass me in relation to the alleged debt. I have sent Afni, Inc a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced Afni, Inc for multiple consumer rights violations. Pursuant to 15 USC 1692k.
06/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60644	Web
This collection violates the law Under the FDCPA law 15 USC1692 - debt collectors can not state that such consumer owes debt Also violates 15 USC 1692 ( E ) 11 by giving false, deceptive misleading representation or means in connection with collecting any debt. The report states I " owed '' a positive balance. So after assuming a debt they also sent me a wrong statement you can not pay off a positive balance and it was never disclosed to me it was a attempt to collect a debt. also violates 15 USC1692 ( e ) 11 Name -XXXX XXXX amount : {$1500.00} date :XX/XX/XXXX 2.AFNI Amount : {$600.00} date : XX/XX/XXXX 3.XXXX XXXX XXXX amount : {$220.00} date :XX/XX/XXXX 4.XXXX XXXX XXXX amount : {$200.00} date :XX/XX/XXXX 5.XXXX XXXX amount :XXXX & {$100.00} date : XX/XX/XXXX& XX/XX/XXXX 6.XXXX XXXX every account
06/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75044	Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the XXXX tracking.My official complaint is against AFNI. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
05/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	TN 380XX	Web
In 2012, we got XXXX services and had lots of problems with it working correctly. After numerous calls to them without anything being done to fix the problem, we wanted to cancel the service. XXXX XXXX XXXX representative told us that they would send a return box for shipping the XXXX equipment back to their facilities and we would not be charged any bill or fees. They later turned it over to a collection agency when I contacted the collection agency I was informed that XXXX XXXX XXXX pulled it from them, which later I found out they had turned it over to another collection agency. The collection agency representative was not nice at all, telling us to pay this account in full or face criminal charges. This is not a good way of conducting business. I will not recommend XXXX XXXX XXXX services to anyone.
08/13/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 480XX	Web
AFNI XXXX in XXXX IL. opened collections on XX/XX/2020 for a XXXX past bill of {$310.00} which i do not deny because of terrible service and had planed on paying. 2 months later XX/XX/2020 i seen a derogatory statement on my credit report. Which dropped XXXX score 48pts. I have worked so hard to get near 700 so i can move. I called them to explain that i have not worked since XX/XX/2020 because of Covid Virus shut down most work in Michigan and i have not been back yet. I asked why did you do this now during the Virus. This person i talked to is in Illinois and went on to say most people in Mi. are back to work LOL. They went on to say the reason i am not working is because i do not want to work i said really, I guess you have not seen unemployment numbers in Mi.. I got mad and hung up my bad i guess.
02/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	TX 75061	Web
I contacted Afni Inc. account number XXXX on XX/XX/2017 and spoke with a lady letting her know I had received a bill to settle. I explained to her that I was moving out of state and had already quit my job and I would pay as soon as I could. I was told if I put {$100.00} down I could secure the settlement of {$670.00} then could pay the rest when I get a job. When I called today XX/XX/2017 I wanted to pay the {$100.00} and let them know I could pay rest when I get a job. I got a new gentlemen on the phone he would not look back at the old conversations and kept telling me I had to pay by XX/XX/2017. I told him over and over again I was unable to commit to balance by that day cause I do n't have a job yet. He was really nasty and just kept saying if not taken care of by that date he could not help me.
09/15/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60085	Web	Servicemember
Good evening CFBPB members, On or around XXXX XXXX I received an email stating that my credit report has been changed, so I went to check my scores on XXXX. It stated that my XXXX score had dropped XXXX points! I was shocked because I worked so hard to get my score from where they were to XXXX then to see that they fell to XXXX. A collection agency called AFNI, INC. place a XXXX XXXX on my report for {$370.00}. This bill has been paid in full. I will attach a copy of the bill for CFBPB members to look at for their review.Please assist me, I had XXXX at one time but I do not use them and therefore needs this negative item removed from my credit report. I am looking to purchase a home with my family and can not have negative marks on my reports when the bank sees them. Thank you all for your support.
04/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	TX 75241	Web
Spoke with representative and informed her that I was n't made aware of this really old debt and had n't been contacted about it. Now that I pulled my credit report I wanted to take care of it, only if they would agree to delete it from my report and send me something in writing stating that it was resolved and would be deleted. I specifically ask if paying the debt could get the debt deleted. The rep verbally agreed that once payment was receive that the XXXX XXXX XXXX debt would be deleted from my credit report and that act was misleading and deceptive. Now they are telling me that they are unable to delete it from my credit. I 've made several calls in attempt to speak to a manager ( XXXX and XXXX ) but somehow they are never available to take my call or some how the call is mysteriously dropped.
10/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95827	Web
I cancelled my XXXX XXXX XXXX bill in I believe either XXXX or XXXX when I decided to switch providers. I paid the bill in full upon cancellation, yet continued to receive monthly bills. I got another bill, called and made confirmed it was cancelled and paid. I continued to receive bills, and tried cancelling multiple times, but they never shut off the internet, and continued to bill me for service that was cancelled until I stopped paying them. I disputed this bill and had it removed from my credit history as they never showed proof. I've started seeing collections on my credit this last year for what appears to be the same bill, even though it should be after the statute of limitations. I actually believe the statute of limitations would only be 2 years since I signed up verbally over the phone.
06/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30039	Web
This complaint is about AFNI and their unethical business practices. The debt they are attempting to collect is from a XXXX account that unfairly charged me cancellation fees after they verbally confirmed that due to moving to an address outside of their service area, I will not have to pay the {$250.00} fee. AFNI reached out via mail in 2018 about the debt, but has been listing the debt as " new '' on collections which is inaccurate. This unscrupulous practice has wreaked havoc on my credit score as a result, and this misrepresentation on my account is simply not true. Based on other reviews on XXXX it appears this is one of their regularly used tactics which is shameful to say the least. They should be listing the ACTUAL date of the initial debt and not lie when reporting it to credit bureaus.
05/23/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NH 038XX	Web	Servicemember
I do not owe this money. I canceled XXXX over 2 years ago after more than a decade of service. i prorated the service fees and paid them in full. they claimed i owed them a full month PLUS another month. i refused to pay. they did not sue me, they did not report me to any credit reporting agencies. they turned it over to afni in XXXX il, who did not sue me, but DID report it to the credit reporting agencies and have been harassing me for months with 4 to calls per week. when i reached out to them they said " i should pay may bills ''. i do pay my bills, they have no evidence other than a final bill from at & t, which at & t did NOT sue me with or report to the credit agencies with. what is the burden of proof here? what are my next actions? some dude can't just say i owe this and then i'm screwed
08/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38141	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
05/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29016	Web	Servicemember
Someone opened an account with XXXX under my name without my knowledge. The account was placed in collections about eight months ago, balance owed XXXX. I filed a dispute with the three credit reporting agencies and the collection was removed from all three ( XXXX was removed XX/XX/XXXX ). First notification of this debt was received from XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) Second notification was from XXXX XXXX ( XX/XX/XXXX ) Third notification received from Afni ( XX/XX/XXXX ) I dont understand how the same debt can be handled by three different collection agencies nor do I understand or think its fair that every time I fight to have the debt removed it is given to a different collection agency and the process starts all over again. This is an absolute violation of my consumer rights.
05/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TN 37821	Web
AFNI Debt Collection is reporting a XXXX XXXX account on my credit report. This collection was paid in 2018. I called AFNI on XX/XX/XXXX and XXXX requesting that the account be removed immediately from my credit report. AFNI requested proof of payment which was sent in by email on the XXXX of XXXX. I am currently in the process of attempting to obtain a mortgage which I explained to the customer service employees. The day that the account showed up on my credit report I had just had a mortgage company put in an application for a mortgage. I was denied because of this account. I only have a short time to shop around for a mortgage but I can not do that at this time because AFNI is reporting a collection on my credit report. I would like for this to be removed immediately from my credit report.
06/12/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92311	Web	Servicemember
I 've already filed this complaint and CFPB lost it : AFNI, collecting on behalf of the original creditor, XXXX XXXX XXXX provided a disclosure saying that information collecting during the call would be used to collect a debt. I was calling to report the collection as a fraud as a consequence of identity theft, and the representative proceeded to issue a fraud packet. He refused to send one via email but he said that he could mail it. I told him that I did not wish to provide any personal information and he assured me that my address would ONLY be used for correspondence in the fraud case. He lied. He deliberately mislead me to collect information from me in order to use it to collect. I know this because days later, I received a collection letter before ever receiving a fraud packet
09/24/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 920XX	Web	Servicemember
When we moved to a new town, we closed our residential phone account with XXXX XXXX XXXX and requested that a final bill be sent to our new mailing address. We received that bill and paid it ( see attached photo ) ; however XXXX XXXX XXXX also allegedly ( according to XXXX XXXX XXXX collections rep ) sent a separate bill to our old address which we never received. Despite the fact we are current XXXX XXXX XXXX customers with a current mailing address on file, XXXX XXXX XXXX errantly sent these past due notices to the old service address NOT our current mailing address. When contacted XXXX XXXX XXXX was unable to validate or itemize the nature of the past due amount. Due to XXXX & XXXX poor accounting and billing practices, my credit history was damaged and I was unable to qualify for a loan.
12/27/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
Within the past two years, I have received collection notices from several companies representing a debt with XXXX. I have disputed with all of the companies and now they have, once again, placed the account with another collection company by the name of AFNI. The XXXX collection efforts violates the FDCPA federal debt collection practices act as they are stating that this debt needs to be paid or threatening legal action if I don't. I have not had any dealings with XXXX or its subsidiaries in over 13 years. These debts, if any, are time-barred. Additionally, they continue to harass me to make payment by phone and mail multiple times. Furthermore, they are also in violation of FCRA laws as they are inaccurately reporting this debit on my credit which has caused a negative impact on my score.
11/08/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33319	Web
On XX/XX/2022, I contacted AFNI requesting them to validate a debt that they are saying I owe them. I requested for them to provide me a copy of the original contract between the original creditor and myself and also to provide me with a copy of the purchase agreement between them and who they say the original creditor is. As of date they have not provided me with this information they keep sending me letters only saying that I owe XXXX, that however does not prove to me that I owe this company whom I've never done any business with any money, but they are still reporting on my credit bureau even though they have not been able to proof that I owe them any money or that they have legal rights to collect any monies from me. Your assistance in this matter is greatly appreciated. Thank you!
03/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	GA 30331	Web
A disputed account from AFNI came back verified from CRAs. I contacted AFNI on XXXX/XXXX/2015 via email making an FCRA 623 request for verification of account, including original contract, billing and any other documentation to substantiate this account and the billing of it. I received acknowledgement on XXXX/XXXX/2015 via email that my request was received and they would be in touch with me. I have heard nothing else to date from AFNI and they have failed to delete the negative info/account from my CRA as required per FCRA 623. Since the company has failed to reply to my FCRA 623 request I have no choice but to assume they are unable to verify this account and thereby they need to remove the negative information from my FCRA as they are perpetuating adverse action based on this reporting.
07/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32168	Web	Older American
This is a fraudulent collection that was already resolved by CFPB and has been now sold to another collection agency. Same amount same everything just a different collection agency. It keeps on coming up every few month through a different collector. Will it ever end? It was never me I never had anything to do with XXXX. Thank you XXXX XXXX Account name XXXX XXXX Account numberXXXX Account type Collection Responsibility Individual Date openedXXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$1600.00} Balance updatedXX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$1600.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Now it opened again XX/XX/XXXX XXXX XXXX XXXX XXXX Account number XXXX
08/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30134	Web
in XXXX my XXXX son XXXX XXXX DOB XX/XX/1995 was a victim of id theft. The thieves racked up XXXX XXXX of dollars in credit card, cell phone and other misc. bills. We filed a complaint with department of aging and other entities and even put a fraud alert on his credit. since then he has been constantly being sent to collections for a XXXX bill he is not responsible for. The address on file is a unknown address and my son has never lived there seeing is that he is XXXX and lives with me. I advised the collections rep but was getting no where and this is becoming very stressful for us please help!! The amount is XXXX but its the principal. his ss num XXXX his address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX ga XXXX i do not have the XXXX account number but the collection company is AFNI XXXX
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32808	Web
Hello, I have some charge offs and collection accounts listed on my credit profile that are ruining my credit and I've reached out on multiple occasions to the creditors and they weren't able to verify accuracy or remove the charge offs or collection accounts. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
04/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38119	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... AFNI ( Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
06/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WI 531XX	Web	Servicemember
I was contacted by XXXX XXXX XXXX XX/XX/XXXX and again on XX/XX/XXXX about a {$1200.00} debt from XXXX. Someone fraudulently opened an account with XXXX with my name and address in XX/XX/XXXX and signed up for paperless billing so I never received a bill or any other communications directly from XXXX. XXXX placed a collections notice on my credit report and I contacted them told them the debt was fraudulent as was told to supply a police report about the incident and to send in a form. I submitted the police report and form and shortly there after the collections notice was removed from my credit report. On XX/XX/XXXX I was contacted by AFNI Collections about the same {$1200.00} fraudulent XXXX account. It appears the XXXX resold my debt after they received proof that it was fraudulent.
05/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 708XX	Web
This supposed debt owed to XXXX in the amount of {$480.00} was reported to credit bureaus about a year ago in XX/XX/XXXX by a collection agency named XXXX. I disputed the verification of this account. The debt account was then removed from my credit report. But, on XX/XX/XXXX, a collection agency by the name of AFNI has reported the exact same claim for this XXXX debt with a balance of {$480.00} to the credit bureau. Not only are they reporting a debt which was previously disputed and removed from my credit report by another company, but they have also placed a renewed date in which the former disputed debt was reported. I would like AFNI, Inc to provide accurate documentation which shows the validity of this said debt owed by me and/or remove this claim from my credit report immediately.
03/24/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MN 55433	Web	Servicemember
This debt was on my report for years before I realized it. I disputed it and it was removed in XXXX. In XXXX XXXX, it was added back to my reports, without any proper notification. It is also listed as a newer debt, as of XXXX XXXX, not showing any original default date. Considering it was on my report prior to that and removed, when they couldnt provide a legal document bearing my signature or verify the debt was mine. This clearly ca n't be accurate. Originally, prior to removal, it was stated the debt was from XXXX, possibly earlier. Not only are the reporting false data, but also reporting something that is not my debt and added back with no proper notification. Since they ca n't provide me with anything bearing my signature, that the debt is mine, it should be deleted immediately.
10/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	AR 72019	Web	Servicemember
A account was opened in another state when I was XXXX XX/XX/XXXX, When I called Dish network and told them about it. it was removed. Now here XX/XX/XXXX they come back saying it was for my address which I never had account with them in amount XXXX and change. I sent a police report and stuff to everyone XX/XX/XXXX that several accounts where open when I was deployment. No one was living at my house at the time. So no XX/XX/XXXX they keep sending it to different collection agencies even after I talked them and agency returns the account back to after looking at the dates. and all XXXX XXXX is say that they are informing of a debt and do I still the equipment. I did n't sign for or authorize this account and after checking with my ex wife to see if she did where she was living she said no.
07/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 23112	Web	Servicemember
I receive information that a collection company submitted a claim on my credit report. after disputing it it was removed because the account was paid in full before it was closed. 2 months ago i received another collection agency claim on my credit report, I disputed the claim, on which i try to contact XXXX to find out why i was getting charge again. while on the phone with the company he told me that because i didn't remember my log in information i needed to go to a retail location, at the retail location they told me that i need it to call the XXXX ( XXXX ) number. collection agency is AFNI.inc, date reported XX/XX/XXXX balance {$770.00} First company to submit on my credit report : XXXX XXXX XXXX. submitted on XX/XX/XXXX Balance XXXX status : removed from credit history XX/XX/XXXX
07/11/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	VA XXXXX	Web	Servicemember
I disputed with XXXX XXXX a bill of {$100.00} that was not correct and only due because I stopped their service back on XX/XX/XXXX. I saw it on my credit report, disputed it back in XXXX and it was deleted from XXXX per dispute XXXX found to be a bogus claim. Again I am checking my credit reports in XX/XX/XXXX and XXXX said they sent me a collection notice on an bill over 5 years old that was adjudicated back in XXXX! This was just disputed with XXXX report XXXX XXXX XXXX on XX/XX/XXXX and removed on XX/XX/XXXX. XXXX. I put in a dispute with XXXX dispute # XXXX around the same time above and they Estimated month and year that this item will be removed from my credit report is : XX/XX/XXXX. They can not put this back on my XXXX credit report because they know this is a bogus collection.
10/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 78239	Web
I signed up with services from XXXX and bundled my service with XXXX. During my set up the rep told me it was only a one year contract and that after my year contract I could cancel my services. During the year many issues arose from the billing and each month I had to call both companies to straighten out the bill. Each company was paid according to what they told me. After 15 months I canceled service and relocated to a new state. I have checked my credit report and I am being reported to XXXX different credit agencies from XXXX. Each CA has a different amount and contacting both CA 's and XXXX I have gotten no where. I would like some direction on what I can do to remove this from my report. AFNI has listed I owe {$290.00} and the second company XXXX XXXX listed that I owe {$260.00}.
08/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30263	Web
Afni Collections, Inc. sent a letter stating that I owed XXXX XXXX {$120.00}. I sent a debt and consumer verification letter requesting proof I I did in fact owe the money and how the amount was calculated. Afni is in violation of FDCPA 15 U.S.C. 1692 et seq. In XXXX v. XXXX, et al. 2014, XXXX Circuit ruled that " the verification requirement was satisfied where the debtor could sufficiently dispute the payment obligation. '' They have reported to XXXX credit bureaus without adequate proof of the debt. They failed to provide information and acted illegally, and are guilty of providing unproven information of a libelous nature. Additionally, they falsely accessed my credit report, having insufficient information to prove I have a valid debt, or that they even have assignment of the debt.
02/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 75287	Web
I have disputed with XXXX collection agencies and XXXX major credit bureaus online, verbally, and in writing related to negative items I believe are erroneous reported on my credit report. I have disputed the account information and verfified the debt has been paid. How is it possible for the bureau to get away with this? Under the consumer laws, I 'm unable to get them to send me a detailed invoice related to the amounts I owe. It 's very confusing as a consumer to continue to receive letter from several different collection agencies requesting me to pay the same debt for different amounts. I have uploaded the letter received related to a debt with XXXX under past disputed CFPB case XXXX and XXXX received from different agencies. Now, I am in receipt of a new request from AFNI , Inc .
12/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CT 060XX	Web	Older American, Servicemember
aqbout two years ago i cancelled XXXX because every time they were in a negotiaition -they would cancel the station until they got there way -when i thouht it was all done it syarted to recieve monthly bill for a service that i had cancelled -i called them and thought i had all straightened out. then about 4 or 5 months later the XXXX of XXXX collection agencies contacted me -the XXXX agencies said ( after i explained that i need an itemized bill, so i can determine that this bill was legitamate ) said that i would nt here from them again -the XXXX collection company called afni reported me to the credit reporting companies and damaged my credit score - if they had sent me an itemized bill and i felt that i owed, it would have been paid imediatly -however no one has done this for me
07/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	KY 42101	Web	Servicemember
I called XXXX XXXX on XX/XX/XXXX to verify if my account was closed and paid in full. Can not remember if I made a final payment at that time or before. I spoke to supervising agent ID # XXXX whom verified that my account was closed and paid in full. XXXX has since added additional charges, turned me into collections and continues to try and collect moneys not allowed to them. Since they continue to attempt to collect charges not owed, I would like to make you aware that since I upgraded with sprint in XXXX, they continually over charged me on a monthly bases. I have two specific, on line conversations with XXXX representatives that concur with my beliefs. Please allow a corporate lawyer to contact me if they believe I have a case case against this company. Thank You, XXXX XXXX
02/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 92806	Web
In 2008, I opened an account with XXXX with some roommates. After I moved out, I made the mistake of keeping the XXXX contract / service under my name. When my roommates moved out, they never returened the equiptment so XXXX XXXX charged me XXXX for the returned equipment that was never returned. I was unaware of this and now I am receivign a collection notice from a debt collection company called Afni , Inc . Address of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, IL XXXX. This debt is over seven years old. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ), my outstanding debt should have been removed from my credit report. My questions are, why has n't my outstanding debt been removed from my report and why is this collection agency continue to harass me?
05/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NE 68135	Web
I signed up for a 30 day trial period with XXXX XXXX. I cancelled the service within the allotted 30 days and was told it was cancelled but kept receiving emails and bills in the mail that I had to pay them. I returned the equipment via XXXX label provided by them to the address of XXXX XXXX XXXX XXXX ; XXXX CO XXXX. But the package was lost. I submitted a lost package claim to XXXX who sent a check to XXXX in the amount of {$100.00} backy in XXXX 2014. I 'm now getting collection notices from AFNI ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX IL XXXX. I called the company on XXXX XXXX to tell them that I do not owe a balance but they are telling me that XXXX XXXX paid XXXX because I bundled. I called XXXX and they are not showing any duplicate payments in 2014 made from XXXX.
08/11/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 22554	Web
I am not liable for this debt with Afni Inc. # XXXX, I do not have a contract with Afni Inc., they did not provide me with the original contract as I requested. I have sent two debt validations letters to Afni Inc . The first letter XX/XX/2023 and a second letter XX/XX/2023. XXXX XXXX XXXX XXXX # XXXX, is also attempting to collect on this same account. XXXX XXXX XXXX XXXX did not complete the debt validation letters, but instead I received a Fraud Packet today XX/XX/2023 dated XX/XX/2023. XXXX XXXX # XXXX is also attempting to collect on this same account as well. I sent them two debt validations letters. XXXX XXXX XXXX XXXXXXXX has not responded either. I have attached all correspondences regarding this XXXX account ( which includes Afni Inc., XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/01/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19154	Web
On the first week of XX/XX/2021 i sent out a debt validation letter and i still have not received a response. According to 15 usc 1692g they were supposed to send validation within 5 days of receipt of this letter which they have not done. This is a violation of the FDCPA. Since they can not verify this ALLEDGED DEBT they are currently violating 15 U.S. Code 1692j by furnishing false and deceptive forms on my consumer report. They are also violating 15 U.S. Code 1692f by using unfair practices in trying to collect an ALLEDGED debt as well. I demand this be removed from all of my consumer reports and I demand for this company to stop trying to collect debts that they CLAIM are mine. They are violating many of my right so if not action is taken I will be seeking monetary remedy.
05/14/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NJ 07090	Web
XXXX XXXX made four ( 4 ) calls to my beloved wife XXXX and me between XXXX XXXX XXXX XXXX XXXX on XXXX XXXX,2020. Two ( 2 ) for XXXX and two ( 2 ) for me! This in an attempt by XXXX XXXX to collect an alleged balance due and owing. I have several times by email objected to XXXX XXXX. In addition, XXXX XXXX repeatedly told me that my balance was XXXX as I had cancelled the XXXX XXXX service as of XXXX XXXX,2020. Repeatedly XXXX XXXX emailed that my balance is XXXX. Then without my knowledge XXXX XXXX referred a claim to Afni Collection Agency that demands payment. XXXX XXXX although it had repeatedly told me my balance was XXXX nevertheless without giving me prior notice of an alleged bill due and owing sent the bill to this collection agency. Most dishonorable and deceptive!
06/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	GA XXXXX	Web
This collection was previously disputed with the CFPB and removed from my report in the past. The company, XXXX, has now re-assigned this account to another collection agency and re-aged the debt. The debt was initially removed because the account was being reported twice. The account was re-add and a letter advising me that it was being re-added was never sent to me ( my first CFPB complaint that resulted in a removal of the account ). XXXX has now given the account to AFNI and re-added the remarks to my report with a start date of XX/XX/2018 for an account that was closed more than 3 years ago. A letter stating that the account was being added was not received. XXXX continually reassigns and re-age debts. The previous response from the previous collector has been attached.
01/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 980XX	Web
In the fall of 2015 I ended four years of service with XXXX XXXX XXXX. I paid my bill on time for 4 1/2 years. I left because XXXX XXXX XXXX tried to sneak additional charged services in without notification beyond items hidden in the fine print. I ended my account in XXXX of that year, paid my past due and moved the number to XXXX. Then in XXXX I was charged for a full additional month of service not received. I protested and eventually had verbal confirmation that the charge would be forgiven. Now they have resent it to collection. The matter is only over the amount of {$81.00} which was charged for services never received. This is terrible business practice and very dishonest. I seek XXXX XXXX XXXX to remove the fraudulent bill and fix any negative impacts to my credit.
07/24/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	ID 838XX	Web
I received a collection notice dated XX/XX/XXXX from a company called " afni '' in XXXX, Illinois. The notice is attempting to collect a debt for XXXX for a company phone I was issued by my employer at the time, XXXX XXXX The managers didn't want the phones, we returned the phones in XXXX and our employer covered the costs. I spoke to XXXX at afni this morning, who told me the debt of {$94.00} has been reported on my credit reports, that he would indicate the debt is disputed but wouldn't guarantee the debt would cease being reported to the bureaus. The debt is invalid! The debt is from 10 or 11 years ago. Please advise afnit to cease and desist immediately. Please contact me if you have any additional questions. Thank you very much for your assistance with this matter
05/07/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 94503	Web
in 2007 I started a Dial up internet plan for my mother at her home. XXXX XXXX XXXX made this dialup service a Long distance number. Every time my mom went online she was charged exponentially because of the long distance number that was created for her service. Resulting in hundreds of dollars on her first bill. When I received the bill, Immediately called XXXX XXXX XXXX to find out the issue. Customer service said that it as because they accidentally made my mothers number a long distance number, but refused to change what I what I owed for the month 1/2 of service. I spoke with them many times and they would never lower it. This happened over 14 years ago. I believe XXXX XXXX XXXX sold this old debt to a collection company and now they are trying to collect it as new.
03/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38128	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... AFNI ( Original Creditor : 11 XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
06/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IA 50320	Web
AFNI INC d id not notify me of this debt at any time. The debt appeared on my credit report as being or an amount due to XXXX I have contacted XXXX who advised me that they do not have any record of any past due unpaid debt with XXXX . They were able to access my records and they advised that my XXXX service was part of a service they provided to me as a package bundled with XXXX internet service and as such my contract was with XXXX and all billing was done through XXXX . I have contacted XXXX who have advised that they have no record of me currently having any unpaid past due debt. I previously had an unpaid balance due from when the XXXX / XXXX bundle was provided that had been passed to another collection agency and that was paid in full in 2016.
04/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38018	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX AFNI ( Original Creditor : XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
01/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AL 36695	Web
I attempted to acquired XXXX as my TV and internet service provided for my apartment at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX. My apartment complex is an XXXX XXXX XXXX connected community and thus can not have XXXX XXXX. I was sent the equipment and then was told that I could not receive service. I returned the equipment via XXXX as requested. The account was closed with a zero balance two-three days later, because it was within the 30 day money back guarantee. XXXX decided to sent a debt collection agency, AFNI, INC. to collect {$41.00}. This is wrong because I can not be charge for a service I have never had. The service was never even activated, because the address was not serviceable. I have attempted to contact AFNI, Inc. but no one will answer the phone.
05/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 330XX	Web
Approximately 4 months ago ( XX/XX/XXXX ) I reviewed my credit reports for all 3 credit bureau agencies and I noticed that AFNI is reporting a debt of {$730.00} that I am unaware of via XXXX & XXXX. Approximately one month later ( XX/XX/XXXX ) after requesting validation via a dispute, AFNI sent me an itemized bill stating that they were validating the debt. There was no signed contrtact with my signature attached and therefore they havent been able to provide any proof that this is my debt. AFNI continues to send me bill statements as an attempt to validate this alleged debt, and since they are unable to provide proof that I entered and/or signed a contract with them I would like for it to be removed from all of my credit files that they are reporting this debt to.
08/12/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 61704	Web
I volunteered XXXX for my sister. She was going XXXX at XXXX. The XXXX there coordinated for me to undergo XXXX at XXXX XXXX for the XXXX. Upon arrival and registration, the admissions and registration personnel refused to acknowledge my orders from the XXXX office at XXXX to bill them and they in turn would bill XXXX and my sister 's insurance for all XXXX. XXXX then billed me for XXXX and the '' reading '' of results. I sent them copies of my documents from the XXXX XXXX XXXX AND XXXX. They then turned the matter over to AFNI for collections. I again submitted all documents concerning who should be receiving the bills to AFNI for removal from collections and off my credit report. This was over 3 years ago. The items are still on my credit report from 5 years ago.
07/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94533	Web	Servicemember
I previously notified XXXX on XX/XX/XXXX that I am a victim of identity theft, and requested that they do the following : 1 ) Close the unauthorized account, 2 ) Remove any charges on the unauthorized account, and 3 ) Take steps to remove information about this account from my credit files. To date I have still not received written confirmation of these actions. Instead, I have received a new bill from a new debt collector, Afni , Inc., stating that I owe even more money to XXXX. As I stated before, I am a victim of identity theft. I recently learned that my personal information was used to open an account at XXXX. I did not open or authorize this account, and I request that it be closed immediately. XXXX has not responded and instead put me in debt collection.
11/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AL 357XX	Web
A collection company ( afni ) contacted my wifes employer to tell them we had an outstanding balance on a bill and to call this number XXXX. When my wife called they said it was for an outstanding XXXX XXXX bill of {$33.00}. She refused to give them any personal information. I tried to call but they wouldnt talk to me. A few days later we received a notice in the mail. ... ... .. I contacted XXXX XXXX to whom we have been customers of for over 15 years. We are currently on auto pay so there is no way that we could owe on our phone bill. XXXX checked any old accounts and said that they show nothing outstanding and we are paid in full on all bills. The creditor Account Number : XXXX The Afni Accoint Number : XXXX Amount Due {$33.00} Afni Return phone number : XXXX
07/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33319	Web
this account was compromised and new lines where added without my knowledge or consent given. I spoke with both the creditor when the issue was bought to light after receiving an accelerated billing statement and extra lines where added to my account. I asked both XXXX and the collecting agent ( review recorded messages XXXX to investigate how these additional lines were opened and activated without my consent and to make amendments to the bill to only include the authorized line on the account. Nothing has been done to correct the account since 2009. I ask for full validation of this account ; when and where the lines were added ; a copy of the signed contractual agreement and any other documentation that validates my authorization to add lines to this account.
05/30/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32909	Web
AFNI is stating I owe a debt of {$970.00}. I repeatedly disputed this claim several times which was originally through a debt collector named XXXX XXXX XXXX and was deleted from my credit report and 3 months later AFNI added it back on. the reported information is incorrect. My services is with XXXX XXXX and has been for over 3 years. I have never received any paperwork from AFNI stating I owe the debt or details of the debt, and they have failed to verified correct information. This false new activity from AFNI have caused my credit score to dr op over XXXX points which has affect my ability to close on a home for my children. I would appreciate if they could immediately delete their recent activity off my credit report from all XXXX bureaus.
08/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH XXXXX	Web
I have contested the debt but never received an official response to my position, while I have made month ; y payments to continue reducing the contested amount owing. My understanding about consumer fin=ances is, as long as the debtor is making a consciences effort to resolve the issue, turning the case for collection is illegal. This debt over a cancellation policy with XXXX started XX/XX/XXXX for {$200.00}. My monthly payments of {$25.00} every month has reduced it to {$50.00}, as of last week. By reporting the collection to the credit agencies, my credit score dropped by XXXX points and I believe this action was totally " unjustified ''. The consumer agencies should investigate the legitimacy of the collection matter before officially posting it as genuine.
09/16/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30012	Web
AFNI, INC. did not provide the proper documentation as requested and continued to leave their collection activity on my credit report. During this validation period, Afni, Inc., actions was and still is detrimental to my credit reports. The information own my credit report was never validated or verified as being my account there is no provided proof that it is. Afni, Inc., never validated my request within 30 days from the date they received my letter, all references to this account was never deleted and completely removed from my credit file and a copy of such deletion request was never sent to me. I am attaching the signed return card from the post office showing they received my request and had their full 30 days to validate this debt and they did not.
10/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75287	Web
I sent a Debt Validation letter to AFNI Inc for two unverified collections that are on my Credit Report that I do not recognize as being accounts I opened. One for {$1600.00} and the other for {$270.00} on XX/XX/19 and it was delivered XX/XX/19 I never got one response from them in regards to these accounts. It is now XX/XX/19 well past the 30 days requested on the original letter that I sent to them and still have not heard anything from AFNI Inc . I have also sent a letter requesting that these accounts be removed from my Credit Report due to no response nor Validation of these debts and they still appear on my Credit Report. I am now filing a complaint with you guys on this Agency because I can't seem to get any type of response from the company themselves.
06/15/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	SD 575XX	Web
XXXX debt is reported XXXX by AFNI as XXXX seperate debts and again by XXXX XXXX XXXX. XXXX debt is on my credit report XXXX times ( XXXX by same company AFNI ). I do not understand how they can do this! It hurts my credit report by showing I owe more than the actual amount of only {$210.00}. The original creditors of XXXX and XXXX XXXX are the same debt as the company sold and sold all debts to XXXX. It should only be XXXX collection account for {$210.00} showing original creditor as XXXX. Can the XXXX reporting of the same debt be dealt with since it is just incorrect information. I have n't even been contacted by the collection agencies showing on the report just from the original creditor a long time ago. I am not paying the same bill XXXX different times!
07/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77008	Web
A company called XXXX XXXX XXXX notified XXXX that it was trying to collect a debt on behalf of XXXX XXXX XXXX, where I have never had an account. I disputed this through XXXX XXXX and XXXX removed the item on XXXX XXXX, XXXX. Now they are trying to collect this fraudulent debt again. I received a letter, dated XX/XX/XXXX, from AFNI Collections to collect the same debt from XXXX XXXX XXXX. On AFNI 's website I indicated that the debt was not mine and to send verification of the debt. I never received any verification. Today a derogatory mark from AFNI showed up in XXXX XXXX for XXXX. This has had a direct impact on me. When I tried to sign up for XXXX XXXX XXXX internet earlier this year, XXXX XXXX XXXX said I could not until the fraudulent debt was paid.
05/25/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 223XX	Web
I was contacted by mail in XXXX 2017 about a debt from AFNI, INC. I called AFNI, INC. and they confirmed it is associated with a different person with a different SSN. I asked that they remove my information from their records and that they not report this to the credit agency. I asked because this is the third debt collection agency that has tried to collect this debt, confirmed it was not mine, and then still reported it to a credit agency. After explaining this, they assured me the debt would not be reported since it is not mine. On XX/XX/XXXX , the debt was reported to XXXX as an unpaid debt. I am now going through the process of disputing this debt ( for the third time ). Attached is the original letter received fr om AFNI, INC.
04/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 92115	Web
XXXX XXXX used XXXX collections companied to file inaccurate derogatory collections on all XXXX of my credit reports. However, I do not have an account with XXXX, nor did I ever possess a XXXX account. I placed a credit freeze at each of the XXXX credit bureaus on my credit report files XX/XX/XXXX. Nonetheless, in XX/XX/XXXX, XXXX XXXX extended credit to a person in XXXX with a similar name, however I live in XXXX for the past XXXX years. I was subject to the Data Hacking if XXXX in XX/XX/XXXX. I have credit bureau monitoring of my files and I was able to remove the inaccurate derogatory collections. How did XXXX XXXX give approval for a new account in my name, while all XXXX of my credit bureau files are frozen? XXXX did not check this persons credit file.
03/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34202	Web
I recently purchased a new phone. XXXX XXXX XXXX had asked me to mail in my current phone. They said that I'd be charged a fee if I did not return it. I immediately sent the phone back, as requested. I assumed everything was handled. We are in the middle of purchasing a new home and I was asked about a collection item that is from AFNI. After further research, I see it was a charge from this phone. XXXX & XXXX is claiming they did not receive it and have charged me this fee. Now AFNI is attempting to collect from me. This is an invalid debt. This needs to be handled immediately. If this matter is not handled immediately. I'm not in jeopardy of not qualifying for this home and if we do, the interest rate is going to be considerably higher than it should be.
06/24/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93722	Web
I have not agreement or do I own this bill. This collection agent has Placed this same bill on my credit report under different names in the past and all removed by : XXXX, XXXX, and XXXX. Now under AFNI agent, they changed the name and put it back on my credit report. Once again XXXX and XXXX take it off, but XXXX is giving me problems. They also call me for at least 10 different number minutes apart all day and use different names, but the same bill. I have called XXXX and I was told they do not have any in my name, with my SSN or address. I ask for any proof of agreement or contacted and I never received anything. I am a XXXX and having a very serious medical problem and others have to take care of me, so I need help with this matter. Thank you. XXXX
12/28/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 752XX	Web
Every day I receive a call to my home telephone from XXXX. I XXXX this number and got info that the company is AFNI , Inc., a debt collection agency. I believe they may be attempting to collect on an auto accident my ex-husband had several months ago. He was not insured. I believe he gave the insurance company my home number as a contact. He has not lived here in over 5 years. I picked up this call today. Nothing but silence for a minute or so until a recorded message came on stating this was an attempt to collect a debt and I should call another telephone number. Then the call was disconnected. I did not write down that number. Any help you can provide in getting this company to stop calling my home telephone number ever again is greatly appreciated.
04/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 483XX	Web
I have a letter from XX/XX/XXXX from a debt company called afni written to settle for {$79.00} for a debt they assumed is {$120.00} from XXXX. I called XXXX several times and even made an appointment to a local store to discuss the debt. No one from XXXX has been able to justify that debt for me after 3 months of calling and asking. From my record, I have paid my monthly dues to XXXX and when I stopped using XXXX as my utility company in XXXX, they issued a refund to me via check. And now 3 years later they sent my account to collection. I have tried to apply for a loan recently and that XXXX case has brought my credit score down and unable me to get my loan approved. I usually pay my bills on time and never miss one but this is affecting me a lot.
06/17/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77477	Web
I recently pulled all XXXX of my credit reports. I noticed XXXX collection accounts from AFNI. I called and spoke with a rep who tried to inform me that I was indeed liable for the date. When I asked them to send me validation that indeed the debt is mines she informed me she would and I provided her with my email address along with my mailing address. 30 days have passed and I have yet to receive anything. I contact them again on XXXX / XXXX / 17 and was informed that the information had been mailed. She was unable to provide me with an exact date. After asking for them to remove the information from my credit since it was not able to be validated she gave me every excuse on why she could not delete it and ask for payment again for the 3rd time.
12/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 32808	Web
In summer of 2011, I canceled an XXXX cell phone account because I had zero coverage in the community I was living in. On several occasions, I contacted XXXX using friends ' phones to troubleshoot the issues. Each time, no fix solution could be found. XXXX placed many test calls to my number while I was home and all calls went directly to voicemail as my phone never rang. I paid the final bill and requested the account closed due to no home coverage which was fully verified. Years later, I 'm finding out I 'm in collections. Every month of every year, Afni , Inc keeps renewing the collection account on my credit reports. I contacted them before for the validity of the debt but my attempts were always unsuccessful for they would never respond or comply.
01/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33467	Web
XXXX has once again filed a false claim for the fifth time for a a debt that is not owed. This same claim has been on going for 7 years. Each time I demonstrate that it is not owed and their fraudulent invoice is exposed and returned by a collection agency, they re- file it with a new company, after the last collection agency drops it. It should be noted that this false claim has been dropped four other times and the behavior by XXXX has become criminal, as they have no legitimate purpose to keep filing this claim which amounts to stalking. I have attached the letter from the last collection company that dropped the debt. There are three more companies that dropped the debt, after review, but the last one should provide all the information needed.
08/25/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	KS 67212	Web
On XX/XX/2018, I sent a letter to AFNI asking for validation of a debt they claimed I owed. As of XX/XX/18, I have not received a response from the above mentioned company of my request for validation. On XX/XX/18, I sent a certified letter dated XX/XX/18 that was received by their company on XX/XX/18 stating that they are in violation of the FCPDA and requested that I hear back from them in 15 days. On XX/XX/18, I received a letter from AFNI dated XX/XX/18 which is more than the 30 days allowed to validate the debt. In this letter they stated that they investigated my dispute and have verified the debt. As of XX/XX/18, I still have not received any of the requested information I listed in my previous letter dated XX/XX/18 asking for validation proof.
08/06/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 34771	Web
Hello I am making a complaint against two debt collectors & their information can be found below. First the account with the balance of {$520.00} is inaccurate. The past due balance was nowhere near that high, I asked how they came to that balance but the debt collector refused to give me that information. The second account with a balance of {$63.00} was paid in full with the original creditor but the debt collector is still trying to collect on the balance. Collection Accounts : Debt Collector Name : AFNI Balance : {$520.00} Account # XXXX Contact Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, IL XXXX Debt Collector Name : XXXX XXXX XXXX Balance : {$63.00} Account # XXXX Contact Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX, MA XXXX
07/16/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AZ 85301	Web
I am writing in regards to two collections on my credit report. I am unsure who the debt collectors are and they have not notified me in any form in regards to the debt they are attempting to collect. The account is showing they are on behalf of XXXX. I did not have a contract, not contact, with the collection company after the accounts were charged off and closed with the original party. The account was reported on XX/XX/XXXX, by XXXX XXXX XXXX, in the amount of {$480.00}, however closed date shows XX/XX/XXXX. The second account was opened on XX/XX/XXXX as well in the amount of {$100.00}, however the closed date shows XX/XX/XXXX. I am unsure who this company is, never communicated with them, and I have never signed documents in regards to the debt.
11/14/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30083	Web
I have a new collections account showing on my credit report that should not be there as I have no knowledge who the account belongs to as my name is XXXX XXXX and the account is under XXXX XXXX. I have received a collection letter in the mail and asked for verification and the letter I recieved in return stated that it is for XXXX XXXX XXXX when all of my XXXX XXXX XXXX accounts are up to date and active listed under my name XXXX XXXX. This account should be removed as I have no prior knowledge as to how an account can even be opened under a name that isnt showing on my license or ID. The company has been extremely unresponsive when it comes to correcting this matter as the letter I sent asking for validation was not a true debt validation letter.
08/29/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 27603	Web
On XXXX XX/XX/XXXX AFNI, Inc. reported a new debt in collections under my name to XXXX Credit Bureau for an amount of {$1000.00}. The original creditor is listed as XXXX XXXX XXXX and the date the account was opened as XX/XX/XXXX. I have not been an XXXX XXXX XXXX customer since XXXX. I have not received any communication of any kind from AFNI , Inc. since this collection has been opened. A debt validation letter was sent to AFNI via certified mail and was confirmed to be received on XX/XX/XXXX. This letter was sent for the purpose of requesting more information regarding this account to confirm whether or not this is a valid debt collection attempt. I have not received any response to the debt validation request from AFNI as of today, XX/XX/XXXX.
05/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07650	Web
I had originally been contacted by debt collector AFNI about 4-5 years back for a debt of {$680.00} for XXXX XXXX XXXX internet service in XXXX XXXX. I have never resided in state of XXXX and have lived in XXXX area my whole life. I communicated this to the debt collector and contacted XXXX XXXX as they had put a deragotary mark on my report which lowered my score. I filed a complaint and went through a two month process to have this removed from my report. Every year since this debt collector places this debt in collection on my report and I have to go through the same process over and over again. I have stopped contacting the debt colllector because they will not be reasonable and have opted to harrass me every year with a debt that is not mine.
09/28/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	HI 967XX	Web
I closed my account with XXXX a long time ago. At the time, they stated that I had overpaid my bill and they sent me a {$35.00} debit card which went unused because I was unable to recall the pin # that came with the card. That in and of itself was ridiculous. Why did n't they just send me a check to cash. A few months later I start getting bills from them again that I owed {$37.00} even though previously they had stated that our business had concluded. On XXXX XXXX, they apparently referred the case to a collection agency called AFNI. Since then we have received phone calls from them every day!! I called AFNI and asked them today to stop calling after finding out that I was able to do so. Harassing frequent phone calls for {$37.00}? Ridiculous!!!
09/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CT 060XX	Web
AFNI XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX The above entity has fraudulently made claims that an old cable utility account ( XXXX XXXX ) is only 1 year and 3 months of age and therefore derrogatory. The account was opened and closed 8 years ago and has passed the statue of limitations. This is the second time this company has attempted to illegally collect on this debt and fraudulently report an incorrect age of the account in an attempt to extort money and damage my credit rating. Also, I have received no written notification and none of my attempts to contact the company have been successful. Neither calls nor written letters have been returned. I only discovered this report when I noticed my credit score sliding through a banking application.
05/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30297	Web
I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. Please let me know if you would like any further revisions or if you have additional concerns.
07/08/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	MI 48213	Web
Your company is reporting an account on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal. These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report. I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally. Please remove this from my credit report so I can start possibly rebuilding my credit and life. By law, in reference to my rights under the Fair Credit Reporting Act, I deserve and expect a timely response from your Credit Bureau to my dispute.
01/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33542	Web
I originally purchased a phone from XXXX being told it was a free phone with purchase of a plan but because I was XXXX and had no credit I had to make a down payment. After the phone was paid off with credits I was supposed to receive check for reimbursement, that phone broke but I had XXXX XXXX, and sent the phone back. And they had sent a new phone. I had even received a confirmation voice mail. Then when I went to pay my bill I seen that I had been billed for the phone. I called them immediately and they kept pushing me to pay the plan part of my bill and theyll try to figure that out later. But I kept calling and all they did was transfer me back and forth and keep me on hold for hours. Theyre charging me for a phone they owe me money for
11/27/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 31069	Web
On XX/XX/XXXX a fax was sent to XXXX, XXXX in regards to validation of a {$990.00} debt that I supposedly owe to them. The company did not respond to my request. A second fax was sent to XXXX, XXXX again on XX/XX/XXXX demanding validation of the debt. I have still not been contacted by them. If they have attempted phone contact, that is a violation of my consumer rights as I demanded written validation, not a phone call. Both faxes were sent to fax number XXXX. This fax number was provided by a consumer service page. The company has violated federal consumer law by not providing a fax number on their open to the public website. I demand the company cease and desist all collection activity and also remove the trade line from my credit report.
11/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AR 72205	Web	Servicemember
I went into XXXX XXXX XXXX XXXX to purchase an XXXX watch but change my mind about the watch. Ever since that day I have received a bill from XXXX XXXX XXXX although I never established service. I called XXXX XXXX XXXX last year and they told me they never seen any activity on the phone number that was assigned to this bill and they told me they removed the charges. I recently tried to get a phone service with XXXX XXXX XXXX and they claim that I owe a bill for this service that I never had. This is fraudulent billing and I do not owe XXXX XXXX XXXX because I've never had service with them. Also they have turned this bill over to AFNI collection service for {$150.00}. Please remove this bill as I have never had service with XXXX XXXX XXXX.
03/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	SC 29651	Web
In XXXX 2016 I got a collection notice from AFNI, responded back on XXXX XXXX, 2016 and another response On XXXX XXXX 2016 stating that i did not owe the XXXX I told them they need to validate the debt with the original debtor XXXX XXXX XXXX uverse because XXXX of the debt was for equipment that i returned via XXXX. I sent them the return receipt of the equipment and a proof of delivery, I called them I told them I would pay the XXXX from the XXXX told me they would get back with me and while i was waiting the reported the full amount to the credit Bureau 's So i called them back and they told me that XXXX XXXX XXXX XXXX never received the equipment, and I have sent them proof the equipment has been returned by a Proof of Delivery from XXXX
06/14/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75074	Web
I became aware in XXXX XXXX that this company was reporting on all the credit bureaus a collection in the amount of {$200.00}. Upon inquiry, I was told that the debt related to " unreturned cable equipment '' several years earlier. I contacted XXXX XXXX XXXX - the provider in XXXX and they were unable to provide any documentation for the alleged debt. They agreed to remove it. When they did not, I filed complaints with the individual credit bureaus and XXXX and XXXX removed the items. However, XXXX did not ( see attached ). In addition to collecting for a debt that is not owed, this is clea rly ( see attached ) a duplication of another phony debt attempting to be collected by another low-life collection agency.
04/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07202	Web
AFNI has knowing and wrongfully placed a collection account on my credit reports with XXXX and XXXX XXXX that does not belong to me, they continual to harass me for my personal identification information and threaten to take further action against me for a debt I know nothing about. I have not entered into any type of legal or binding contract with AFNI nor have I subscribed to or received any services from them. The identifying information which was provided to me by one of there collection agent does not belong to me and are not mines and I never have resided in the State, City or address which the agent also provided. The information and account are bogus in nature and deliberately and wrongfully placed on credit reports.
11/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72211	Web
On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to AFNI Inc. which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. AFNI Inc. has not provided any documentation period regarding my request or dispute. I am aware proper validation as well as proof of my liability is my right under the Fair Debt Collection Practice Act. No chain of command, application, or contract, containing my signature has been provided on behalf of AFNI Inc. AFNI Inc. is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
03/23/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 787XX	Web
No debt validation was sent prior to reporting an old account to the credit bureaus. As soon as I noticed the derogatory mark on my credit report I indicated that this debt was not valid via a direct dispute with the credit bureaus. The original debt is far beyond the statute of limitations. Therefore, this negative misrepresentation of old debt needs to be removed. Furthermore, I do not have any contract with : AFNI XXXX XXXX XXXX XXXX, IL XXXX I was never properly contacted regarding this outdated account. This debt collector has no right to continue to collect this debt because the statue of limitations has ended and the debt was not validated. I need this derogatory mark removed from my credit report. I HAVE NO CONTRACT WITH AFNI.
07/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 482XX	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
01/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 175XX	Web
A collections company, Afni, is attempting to collect a debt from me on behalf of XXXX XXXX XXXX. I was never contacted by XXXX XXXX XXXX directly. They are saying I owe {$1600.00}. Apparently sometime back in 2021 this occurred. I had also had this issue with XXXX, and it was discovered my identity was stolen including my social security number. XXXX closed my case after their internal investigation. I have not been able to speak with anyone from XXXX XXXX XXXX since they referred this to a debt collector and after speaking with Afni the debt collector, they told me XXXX XXXX XXXX doesn't recognize any identity theft and that I still owe the money. How do I get any resolution with XXXX XXXX XXXX if they won't speak with me one on one?
02/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90250	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
11/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75032	Web
This account is not my mine. I highly believe this account is associated with my stepmother whom is now deceased. I have disputed the account multiple times but no avail or assistance from the bureaus. PLEASE assist in having this account removed from my credit credit report. I also had another account from this same company that I highly believe was associated with my deceased step mother as well but that account was removed from credit file. Now, I just need this one to be removed as well. AFNI, INC Date- XX/XX/2020- I DID NOT OPEN AN ACCOUNT WITH COMPANY IN THAT YEAR Account Type- Collection Department/Agency Amount- {$520.00} Disputed- XX/XX/2020, Results on XX/XX/2020- Updated Disputed- XX/XX/2020, Results on XX/XX/2020- Updated
08/09/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30097	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
03/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	MI 49014	Web	Older American, Servicemember
I am being charged for satellite equipment that I was told to discard. I was sent an email from XXXX to discard my equipment after I closed my paid and fulfilled account, so I did. Several weeks later I get another email that said to return said equipment. I contacted customer service and explained what had happened and was charged for that equipment. This has been sent to multiple collection agencies with each one reporting this same incident on my credit record. I have called and disputed this report. My problem is I did not save the first email they sent me. XXXX and XXXX should held accountable for unfair credit reporting and business practices. I had no idea they would be dishonest with consumers but they have been with me.
08/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 482XX	Web
AFNI collection agency has reported an account to the Credit Bureau as being delinquent and in collections. This company has not attempted to contact me VIA telephone nor US mail. The address they have on file I never lived at. They have not validated this debt with me. The original account was with XXXX XXXX XXXX and after reviewing the police report and Identity theft affidavit they determined that this was not my responsibility I am currently with XXXX XXXX XXXX and account is in good standing. Would a company allow me to continue to have services if I have an old balance. They are in violation of The Fair Credit Reporting Act. This is not fair to me as a consumer. Please do not share any of my contact information with this company.
08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	PA 19020	Web
I have been trying since XX/XX/XXXX to dispute a XXXX which turns into AFNI for collections on my credit file. I have never heard correspondence from XXXX or XXXX about validation of debt and they continue to dispute this incorrectly. I have contact AFNI, because XXXX is so old it was bought out by another carrier years ago. AFNI even said they can not validate the debt because XXXX is no longer in business. This account is from early XXXX. I know this because that is when I cancelled services with them. XXXX and XXXX have been nothing but rude and unwilling to fix the incorrect reporting on my credit file. Even the collection agency stated this should not be on my credit report anymore but said I must dispute through XXXX and XXXX.
08/16/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48205	Web
I requested on XX/XX/2019 that Afni send me validation bearing my signature of a collection account that they place on my credit report claiming i owe XXXX Which i don't recall ever having an account that i owe XXXX to Afni nor XXXX. On XX/XX/2019 Afni sent me a letter of verification and not Validation bearing my signature . Included in this letter it was stated that the Current Creditor of this account is XXXX . On XX/XX/2019 i sent Afni another letter asking for the validation since they say that I owe them. ON XX/XX/2019 Afni did not provide me Validation once again bearing my signature. Also this Letter stated that the Current Creditor is XXXX and that Afni will now cease in further communication with me regarding this account.
09/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 775XX	Web
I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
08/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 774XX	Web
I recently obtained a copy of my credit report and saw AFNI reporting a debt that I never had that originally came from XXXX XXXX XXXX XXXX. I requested validation of debt on XX/XX/XXXX and was received by AFNI on XX/XX/XXXX. Prior to requesting validation I had never received a bill or a notice of non payment. On XX/XX/XXXX I received a collection notice from AFNI and on XX/XX/XXXX they sent me a letter stating it would take up to 90 days to complete. This is an abuse of power as the collection notice dated XX/XX/XXXX says 30 days after receiving the letter they will assume the debt is valid. I have not received validation or any other information. I have never used XXXX XXXX XXXX XXXX and would like to get to the bottom of this.
08/01/2018	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	VA 23238	Web	Servicemember
Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar actions shall, not later than 90 days after furnishing the information notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. AFNI has not provided this information, nor have they validated this account after being requested to do so. This account is being reported as " meets FCRA requirements '' when it does not. I have no knowledge of this account and I demand it to be validated.
01/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60193	Web
I received a letter stating I owe for a XXXX account I DO NOT have and I called and went into the store for XXXX and was told the account provided on the letter was NOT a XXXX account number. This is fraud and I had issue before someone tried to get a pay day loan in my name and I put a credit freeze on my report and filed a police report. I also received a letter someone tried to file unemployment in my name. This is ridiculous and not ok. I am filing a fraudulent report with the XXXX, YOu and the Federal trade commission. I work hard to keep my credit in good standing and this is WRONG. Someone need to do something about this company fraudulent claims. I also spoke to XXXX fraudulent department regarding this matter AFNI, Inc
06/16/2016	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	AL 35211	Web
I have a loan on my credit report that has been sold to AFNI from a company called XXXX XXXX. I contacted AFNI and asked for information on the account because I do n't have any knowledge of the account. The representative could not provide me with any information except for the date it was opened and from where it was from. I asked for the original contract and the representative told me they did n't have it because I wanted to find out who did this. I advised the agent that I had been incarcerated in XXXX prison since XXXX until XXXX and at the time among other accounts this was not mine. I have sent a letter to them but need to file a complaint in reference to someone opening this account and a bank account w/o my permission.
02/08/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33193	Web
I checked my credit reports and viewed that AFNI, Inc. placed another collection record on my credit report. On or about XXXX XXXX, 2016 I filed a complaint with the Consumer Financial Protection Bureau ( Case # XXXX ). On or about XXXX XXXX, 2016 AFNI responded to my complaint by stating they will cease communication and that AFNI, Inc. does not own my account. The amount that AFNI, Inc. wanted me to pay was {$550.00}. In reference to the recent actions of AFNI Inc. placing another collection record on my credit report which is damaging my credit worthiness and credit score stating that I owe {$220.00}. AFNI, Inc. knowingly and willingly violated the Fair Debt Collection Practices Act ( FDCPA ) & The Fair Credit Reporting Act.
08/26/2018	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	NV 895XX	Web
I received a letter from AFNI claiming I was in an auto " incident '' and it was determined I was liable. I requested more details on : the nature of the incident, where and time it happened. Copies of police reports, insurance claims, etc. To which they responded with another letter demanding payment. It appears they are trying to defraud my insurance company, by using the guise of an " accident '' to have the insurance company pay for a 1 ) accident that never happened ( car has NO recent damage. ) 2 ) using my insurance to pay for a debt that is no longer collectible ( dis-charged/written off ). Their file # is XXXX, the insurance ( XXXX ) " claim # '' XXXX, the " incident '' took place on XXXX-2018 and is for {$450.00}
07/31/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CO 80128	Web
I have been disputing an account with AFNI who bought an old ( and paid ) debt from almost XXXX years ago. Not only is it on my credit report when it should not be, but they are also RE-AGING the debt to show a date from 2016, and responding to my dispute requests with lies to keep it on my report. I have not been able to get any information from AFNI on what date they show as first delinquency, but I have not used the phone service of the original creditor in nearly XXXX years and therefore the SoL is definitely passed regardless. I have submitted multiple dispute requests to XXXX and each time they close out the dispute by saying the account meets FCRA requirements. It does NOT! And re-aging collection accounts is ILLEGAL.
08/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 76092	Web
AFNI is a third party debt collector that is reporting account information incorrectly to the credit bureaus and thus negatively affecting my credit score. I sent dispute letter to AFNI asking for validation. Their attempt at validation was a printout of account history, which I do not believe sufficient to validate the debt. And even if it is sufficient to validate the debt the account shows last payment date to be XX/XX/XXXX - well beyond the 4 year statute of limitations and nearly too old to even show up on a credit report. However when the report the account to the credit bureaus they are using XX/XX/XXXX and XX/XX/2016 dates making it look like this is a recent collection account and heavily impacting my credit score.
04/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	VA 233XX	Web
Received a call from an unknown number at my desk at work, the gentleman introduced himself as, " XXXX, '' and continued with the Mini-Miranda disclosure. He advised that he was calling from AFNI, regarding a debt, I informed him that I had previously requested no calls were to come to my place of employment, and to please note the account. XXXX acknowledged that, '' my account had been documented from my previous conversation, the number must not have been taken out. '' And then continued to pursue payment for this debt. I advised XXXX that continual calls at my POE are a clear FDPCA violation, to which he continued to attempt to collect on this debt. I promptly ended the call at that point telling XXXX to have a nice day.
11/12/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MA 026XX	Web
I got a letter in the mail from Afni , Inc . It states they are trying to collect a debt. There is no debtor, there is no amount owed, nor is there an account number from any said debtor. The letter states that a request has been made on their behalf to access my credit report. Companies can not randomly choose to access credit reports under the Fair Credit Reporting Act, especially debt collector companies. If Afni has any real proof of my debt, or an alleged debt owed, I expect the original contract of said debt in writing with my original signature within 30 days. If this does verification does not exist, they must remove all reporting and/or access to my credit report, and they are NOT authorized to access my credit.
03/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60467	Web
XXXX employed XXXX XXXX XXXX to collect a debt from XX/XX/XXXX. We received a collection letter in XXXX of that year and replied that the debt was not ours. I researched the info and described why the debt was not ours and to requested them to cease all collection efforts on us. A few months later XXXX hired XXXX XXXX to collect this same bogus debt. Again a cease and desist letter was sent to XXXX with an explanation. A letter was also sent to XXXX asking them to cease and desist in this harassment. Now in XX/XX/XXXX we received another collection letter. XXXX has apparently hired a third firm, AFNI, to collect this same bogus debt. A third letter is being sent to AFNI. This is the second complaint filed against XXXX.
07/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30033	Web
I currently have an account with XXXX XXXX XXXX XXXX, and have had this account for many years. According to XXXX XXXX XXXX XXXX, my account is completely up to date with no past due balances, and certainly no balances sent to collections. I received a letter from Afni, Inc. informing me that I owe {$310.00} to the creditor XXXX XXXX XXXX XXXX. I believe this to be a scam. Unfortunately, this collections agency 's scam attempt is showing up on my credit report and negatively impacting my credit. I mailed a certified letter yesterday informing Afni , Inc. that I dispute the debt. I would like to get this inaccurate information removed from my credit report as well. Please help! Thank you for your assistance, XXXX XXXX XXXX
10/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 36605	Web
This account was previously disputed and removed from my credit report earlier this year by the last collection agency that had this account I was assured by XXXX that this could not be place back on my credit report by any other collection agency. It was sold to this collection agency ( XXXX ) and the dollar amount was changed from {$800.00} to {$800.00} and put back on my credit report. I would like this to be removed in no more then 7 days of receiving this complaint and a new report sent out to my address verifying the removal. XXXX assured me that this would not be allowed to happen and it 's affecting my life due to me being in the middle of purchasing my first home and my credit has dropped by almost a 100 points.
03/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 386XX	Web
mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : 11 XXXX XXXX ) XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
07/25/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33313	Web
My sister was staying at a property that I owned. The agency called on XX/XX/XXXX and told me that I had a cable account with a balance that was placed with them. I told them I didn't live there so that is not possible. I asked if they are sure it is in my name, they said yes it is in my name. I called them back on XX/XX/XXXX, they confirmed a second time that the account is in my name and that I owed the balance. I contacted the cable company XX/XX/XXXX and was told that is not correct and that they account is not it my name for the service address and phone number the collection company was referring to. I think they just looked up and saw that I owned the property at that time and deceived me that I owed a balance.
12/10/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TN 38017	Web
I, XXXX XXXX XXXX, a avid consumer that knows my rights. On XXXX XXXX I recieved a collection letter from said party on behalf of XXXX trying to collect on a debt that I dont owe. Im not liable for any alleged debt & have sent me a collection statement without without my consent, a violation pursuant to 15 USC 1692c ( a ), There's no time convenient for me to receive any deceptive means used by a debt collector to collect any debt, Pursuant 15 USC 1692e ( 10 ). In the correspondence letters I've found numerous FDCPA violations ; 15 USC 1692b ( 5 ), 15 USC 1692b ( 2 ), 15USC 1692d ( 2 ), 15 USC 1692d ( 1 ), 15 USC 1692j ( A ), 15USC 1692e ( 10 ), 15 USC 1692c ( a ) ( 1 ). 15 USC 1692e ( 2 ) ( A ), 15 USC 1692b ( 2 ).
04/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 339XX	Web
Upon reviewing my credit reports, I noticed an entry from AFNI collection agency, stating it was for the original creditor XXXX XXXX XXXX, in the amount of {$150.00}. I never received any correspondence from this company, and I do not owe any money to them, or the stated original creditor, XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and was told they did not see any information on this matter. I then sent several letters to this company, AFNI, to the address listed on my credit reports, but have not received any reply from them at all. They have not even sent me any information about this alleged debt, yet they put it on my credit reports. This false information needs to be removed from my credit reports immediately!
04/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	SC 293XX	Web
I had XXXX in XX/XX/XXXX/XX/XX/XXXX then ended my services with them in XX/XX/XXXX. The sent me a bill dated XX/XX/XXXX showing : Bill Amount : $ XXXX & Payment Due Date : XX/XX/XXXX Then the following I got a bill for them for an equipment, which my husband had taken back. I sent XXXX XXXX XXXX XXXX a dispute letter. A manager called me and asked to speak with my husband to verify ; I told him that my husband had died XX/XX/XXXX. He apologized and he would close the account because my balance was actually a credit. Now this year I found this account on my creidt report from AFNI a collection agency with a balance of {$780.00}. I have tried without success to convey to this agency that this is a mistake to no avail.
10/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 616XX	Web
I have been disputing the obligation of this debt in writing directly with the Creditor as well as with the credit bureaus. The credit bureaus fail to conduct a thorough investigation and simply parrot information from the Creditor. The results have continued to come back as verified. I have sent the Creditor over 4 letters requesting that they verify this debt they are claiming I owe them or remove it from my credit profile. The very first letter was sent to the Creditor the last week of XX/XX/2021. Not only have they failed to respond to my requests, they also continue to report this derogatory information on my credit profile. I have even noticed that the debt has been re-aged by 2 years with one of the Bureaus.
05/07/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OK 73012	Web
I have an original debt from XXXX XXXX. It has been sold to two different debt collectors that have both reported the debt to my credit report from XXXX XXXX for the same amount resulting in duplicate reporting. The first collector is listed as AFNI. The amount is XXXX. This account is listed as opened in XX/XX/XXXX. They last reported on XX/XX/XXXX. The 2nd collector is listed as XXXX XXXX. The amount is listed is XXXX. Listed as opened XX/XX/XXXX. They last reported on XX/XX/XXXX. Both are listing ownership of the same debt and reporting it to my credit report. I would like to have the debt collector who no longer owns the account removed. I'm trying to delete multiple collection agencies reporting the same debt.
09/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20770	Web
Afini credit collection company fasley reported and fraudulent account on my credit reports and when i reached out to the company they provided me with false information and I repeatedly told the Representative that this debt wasn't mine, XXXX ID number is XXXX he informed that this was my debt.. I asked XXXX were there any mail sent to me inreference to this debt and he informed me no so how do you place something on someone's credit without giving them the opportunity to defend the debt or their case and he stated they didn't have to notify me and than I asked to be transferred to a manager and he sent me to a coworker voicemail so I hung up and tried calling him back but of course I got another representative.
02/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	SC 290XX	Web
XXXX has sold this debt once again this time to AFNI. The debt is not mine and I have a police report on file during the period in which this fraud took place. XXXX should not continue to sell this debt when they have been advised of it being a result of identity theft. Neither ATT or AFNI can produce a contract stating I agreed to this debt. Thus this debt can not be validated and has not been by AFNI or anyone else. I 'm very familiar with the FCRA and the FDCPA laws and these debt collection tactics are a violation. If they cause me any further damage and that includes my credit standing I know that I 'm within the law to file a lawsuit. I 'm asking for your assistance to help put this away quickly and quietly
05/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77082	Web
AFNI is reporting an outstanding debt in the amount of {$110.00} to my credit reports. This alleged amount was previous sold by XXXX to another company ( a BBB complaint was successfully filed against XXXX XXXX XXXX XXXX ), and was illegally sold again to AFNI. To date, I sent a letter to validate this date to AFNI, and there has been no correspondence received from them. At no time have I entered into any contractual arrangements with AFNI XXXX. Afni XXXX was aware of a dispute raised electronically through AFNI 's XXXX, XXXX, and XXXX inquires and collection tradeline. A XXXX tracked letter was sent to AFNI that this debt is illegal and invalid, and they are still attempting to collect on this illegal debt.
08/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 93555	Web
XXXX XXXX sent a report to a debt collector AFNI stating I owed them {$930.00} for service in XXXX Illinois. I had never lived or even been in Illinois in my entire life. They sent me the bill because the person in Illinois used my name and something close to my social security number but not my exact social security number. They transposed two numbers therefore it is not my social security number. This being said I should have never received a bill. Now I have been thru filing identity theft case to the police department sending letters to debt collectors, dish network and credit bureaus. Nothing seems to be done about this incident that should never had happened since the social security numbers does n't much.
02/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30058	Web
Received a letter from the company stating that i owe a debt from XX/XX/2009. I told the company that I do n't believe that this is mt debt. I still have a current account with the company and I 've never been late on any payments. He told me that maybe somebody opened the account in my name because the addresses were accurate with my addresses. I have never received anything from this company stating that I owe a past debt. This account is 8 years old and past the statue of limitations for collection in my state. I do n't understand why this company is coming after me for now for and account that they say was closed in XX/XX/2009. I want this company to stop contacting me for this phantom debt that I dont owe.
04/08/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	GA 30350	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
12/03/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 78218	Web
After reviewing my credit profile on XX/XX/2018 I identified a discrepancy with account listed under AFNI Inc.. I requested a validation on XX/XX/2018 as there was 1 account that I did not recognize. I reviewed my credit report again on XX/XX/2018 and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me. Credit report was reviewed again on XX/XX/2018 and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and this account continues to negatively affect me.
05/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	TN 380XX	Web
I had gotten XXXX back in the year 2012 and after having problems with the services, I called them to cancel my services with them ; it was off more than it was on. They sent me a box to ship all service equipment back to them and I did just as instructed. The representative informed me that if I return the equipment then I would not owe anything. I had not gotten any statements from XXXX and the only thing I knew was after checking my credit report it was with a collection agency as an open account. I have not used XXXX since 2012 and all equipment was returned back to them. The collection agency AFNI told me that this is an open account and I need to pay it in full or further action will be taken against me.
06/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38115	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXXXXXAFNI ( Original Creditor : XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
06/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	AZ 85044	Web
I switched carriers for my cell phone in the last month of my contract. The plan was supposed to pay down the penalty every month for early termination. I was only to pay {$50.00} if anything, {$10.00} per line plus my balance which was approx {$350.00}. I got my bill showing an {$800.00} balance and when I called to talk with someone at XXXX XXXX XXXX they hung up on me numerous times while transferring me and then told me my plan had changed but could n't give me specifics. Now my credit report is reflecting XXXX XXXX accts for the same amount and XXXX for XXXX wireless which is the same acct. how do I get this resolved? It shows I owe over {$2500.00} for an {$800.00} balance because XXXX separate reports.
01/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30349	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
02/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77346	Web
AFNI, INC. The aforementioned credit collection agency representing whomever your Client is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX XXXX and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
10/16/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 750XX	Web
I received a debt collection letter from AFNI dated XX/XX/XXXX, regarding an alleged debt they claimed was mine. I submitted an email directly on their website requesting validation of the debt on XX/XX/XXXX. I received a response from their company a couple of days later stating they will contact me in writing with the results. On XX/XX/XXXX I received an alert from XXXX stating an account was added to my credit report from AFNI. I have not received any correspondence from them by mail or email. But yet they reported this on my file. I check my mail on a regular basis as well as my emails. As well as my credit report. Theyre obviously not taking consumer request seriously. Im beyond livid at this point.
06/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NM 87120	Web	Servicemember
I had an account with XXXX XXXX XXXX XXXX for several years. They offered me a new phone. I agreed to their offer. They told me they would ship the phone to me within a week. After a week I had not received the phone. I called them and they told me they showed the phone as delivered to me. I told them I did not receive the phone. They said, " When the phone shows up, we will reimburse you for it. '' I told them I was not going to pay for a phone I did not receive. They told me I had to. I refused, and told them to cancel my account. They told me they would submit the transaction to my credit report. I have tried to have it removed from my credit report with XXXX and XXXX. They claim it is a valid bill.
11/12/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CO 80015	Web
I pulled my credit report and saw that Afni had a collection account on my credit report. On XX/XX/22 I sent them a letter stating that I received a copy of my credit report and unbeknownst to me they had placed a collection on there without sending me any validation information prior to doing so. Per 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) 1006.34 Notice for validation of debts. a debt collector must provide a consumer with the validation information. Which they failed to do. Its been more than 30 days and I have not received a response from them. This is NOT my account, this is NOT something I owe. Ive included the certified letter that was sent and received by AFNI.
11/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
01/28/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 144XX	Web
I have disputed the claim that i owe XXXX a bill and it was deleted per a XXXX dispute i have made several times in XXXX and again in XXXX, per the FDCPA, the creditor had 5 days in order to let me know in writing that the debt is being reinserted in my credit report.I just received a letter from AFNI that I owe them a debt that was deleted from my credit report due to a dispute with XXXX via XXXX direct dispute. This has been disputed and removed several times. I divorced in late XXXX and explained to both XXXX and afni that this was a joint account, I also provided XXXX with a divorce decree and it was deleted. I do n't understand why I have XXXX instances of the same thing reappearing on my credit.
12/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48423	Web	Servicemember
I lived at the property address XXXX XXXX XXXX XXXX, XXXX, MI. I put the comcast bill into my name. I paid my bill on time while I lived there. I moved out of this property, and cancelled my XXXX XXXX at this address and moved it to my new address. From what I have found out, they never turned the service off at this address. They continued to bill me at this address, which I never received any notifications on. This bill stayed on for 6 months without me knowing and the person in the house was using this service under my name. I am not responsible for this bill, I did everything i was suppose to to remove it from my name. Please remove this from my credit report, and remove the amount due from me.
09/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 233XX	Web
Formally disputing the validity of an alleged debt, in its entirety, of {$820.00} from a creditor known as XXXX for an alleged creditor Account XXXX ( Afni Collections account number XXXX ) received in letter on XX/XX/2019. My specific dispute with the Afni Collections , Inc. alleged debt is based on the fact that I have never held any type of account with XXXX at any time, way, shape, or form. XXXX informed me services to the account was opened in XX/XX/2019 at an address ( undisclosed to me XXXX in the state of XXXX although I have lived in XXXX since XXXX. I am contacted the FTC, XXXX, AFNI, the State Attorney Generals offices in XXXX and XXXX, and the Representative of 3rd District of XXXX.
11/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MS 39402	Web
I recently discovered a collection on my credit report from Afni, Inc. on XX/XX/2016. Unfortunately, I received neither a copy nor notification from the company informing me of this debt. I understand that under the Fair Debt Collections Practice Act 809 ( a ) states : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ... I was not made aware of this debt until I saw it on my credit report. I have had no debt notices from the company fulfilling the requirement.
06/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 11783	Web
I was with the company sprint wireless for over 6 years, i have decided to switch providers due to ongoing billing issues and wasting 2 hours every month on the phone with them. My fianal bill was paid ( this was how i was able to prt my numbers and bring my phones to XXXX ) a few monthe later i staryed getting letter from a collection agency named anfi statin i owed ove XXXX dollars. I had advised them this is incorrect and i would like to see a letter statindwhat the money owed i also asked for my account history of all payments to show i was up to date when i left ther I never received anything from them so i disputed with the credit report companies but this debt keeps reappearing on my reports.
12/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA XXXXX	Web
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
06/17/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30083	Web
I previously disputed an alleged collection account from Afni Inc. And it was deleted from my credit report on XX/XX/XXXX. I recently checked my XXXX and XXXX credit reports on XX/XX/XXXX of XXXX and noticed both these accounts had been reinserted onto my XXXX and XXXX credit report. I then called afni and told them this and they stated the account was valid. I never received a dunning letter 5 days before this alleged debt was reinserted back onto my credit reports. This is a violation of the section 611 ( 2 ) ( a ) of the Fair Credit Reporting Act. I am requesting that this account be permanently deleted in accordance with federal law of the Fair Credit Reporting Act Section 6 ( 2 ) ( a ).
07/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07753	Web
I am putting this company on notice. Just recently this collection agency placed a collection account which belonged to another family member on my credit bureau profile. When trying to speak to them they would not speak to me because it was not my account, I did not open this. It belonged to my now deceased mother. It is despicable that companies such as AFNI exist and poison the credit reports of millions of innocent consumers nationwide. On XX/XX/2018, AFNI reported that I opened an account on XX/XX/2018 for XXXX that was placed for collection with a balance of {$790.00}. I do not now, nor have I ever had a XXXX account. My credit rating is illegally being harmed by the actions of AFNI.
04/13/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CT 064XX	Web
I received an alert from XXXX that someone posted a debt on my credit report. All clear tried to conference them in to me but they stated they needed my address to verify who I was. I would not supply my address I asked them to supply the address of the person they were collecting the debt from. XXXX stated it was for XXXX a bill for {$150.00}. I do not have any accounts with XXXX. The representative was rude and would not discuss the issue with all clear and myself on the line. I told them I researched their company and there were several complaints of scam billing. Since I would not supply my address to verify they would not discuss my account. I know it was because all clear was on the line.
07/08/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	AZ 85392	Web
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and XXXX Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.
05/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77346	Web
The aforementioned credit collection agency representing whomever AFNI, INC. is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, XXXX and XXXX. The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX XXXX XXXX does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
12/19/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77459	Web	Servicemember
AFNI Inc is attempting to collect a debt on me which I do not owe. I have sent them a notarized affidavit of denial on the XX/XX/XXXX this year. They have not responded to my notarized affidavit which I sent to them by way of certified mail in response to their claim. I have filed an identity theft report as well in efforts to have this account removed. Nothing has worked and they have not sent me anything in the mail stating their position on their claim against me. This company is affecting my credit score tremendously with this fraudulent account. Please contact AFNI on my behalf so that they may properly conduct business and remove this fraudulent account from my credit file. Best wishes
10/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TX 75254	Web
I requested validation of this debt. However, AFNI , INC has not properly validated per Texas Finance Code Section 392.202. This code equires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information AFNI only furnished a copy of invoices for XXXX, XXXX and XXXX 2014. In fact, I was no longer living in the location that was being billed by XXXX XXXX XXXX.
10/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	WA 98043	Web
XX/XX/XXXX/XX/XX/2015, I closed an account with XXXX because service was not available in the area I had recently moved to. Upon terminating the joint contract with XXXX and XXXX, I was told that my final bill was paid in full. In XX/XX/XXXX, I received a notice from Afni, a debt collection company, notifying me that an account of mine had been placed with them for collection. When I called Afni to dispute, I was informed my failure to pay had already been reported to credit bureaus. When challenged, the Afni representatives said there was nothing they could do to reverse this. I am currently in communication with XXXX to remove this information from my credit report and rectify this issue.
04/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63021	Web	Servicemember
I have a collection from XXXX under Afni Collections. I have never had a XXXX account, I have requested verification of debt multiple times from Afni, and have never received anything in regards to the verification of debt. I contacted XXXX to get information, they only gave me the account opening date and closing date. They advised I would need to reach out to the collections agency for more information. The opening date XXXX provided for the account has me as a minor. This debt is also over 7 years old based on the account closing date XXXX provided and is still being attempted for collections. I have no idea where this account came from. Even when I was a child my family never had XXXX.
01/25/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MN 554XX	Web
I have settled a claim from XXXX XXXX XXXX that I owe a debt to them. I filed XXXX claim after I had spoken to many different managers at XXXX XXXX that claimed that my balance was at {$0.00}. No debt was owed as a result of poor service and I have communication from them attached, showing that the debt is no longer owed to them. Over the past 16 months, I have gotten MULTIPLE debt collection companies attempting to collect a debt that is not owed. These various companies appear to be selling this debt to other companies when they realize that there is no debt to collect. Every couple of months I get a new letter from a different company stating I owe them money. How do I get this to stop?
02/09/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 93637	Web
I have been inundated with calls from a number I didnt recognize recently. Today I answered, and - after a long silence - the caller identified as AFNI - trying to collect a debt on behalf of XXXX from XXXX. I was pressured into making a payment or a payment arrangement, and when I attempted to ask questions I was refused answers and told that I would be reported to a credit bureau if I did not pay immediately. All I asked was for the opportunity to review my own records to confirm the timelines being claimed by AFNI and XXXX, as it has been over a year and I wasnt sure about them. I was again threatened, told that notes were being made that werent accurate, and then forced off the phone.
08/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 38016	Web
This company Afni reported this old XXXX account on my XXXX and XXXX credit report originally back on XX/XX/XXXX. This account was disputed and removed from both credit reports sometime between the original date reported and XXXX. On XX/XX/XXXX this same account was added back to my credit report under Afni. Based on FCRA, its unlawful for reinsertion of a previously deleted account unless i'm notified within the 5 business days which i was not. I've disputed this account several times asking for validation and they've failed to provide a contract with my signature that allows them to report this information back on my credit report. To resolve, I did try to pay for a delete to no avail.
08/25/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	GA 314XX	Web
I keep getting calls from individuals claiming to be a debt collector for Afni. They refuse to identify what their company does without being given information first. I had to look up the name and have found that multiple people have been called/scammed by them. They have an automated system when you call their number back that provides a website, afnicollections.com, and it is a flagged website. I asked them to remove my number from their list but they kept wanting me to repeat my number and give them personal information ; name, DOB, etc. The number I keep receiving calls from is XXXX. When I answer the calls, I can hear lots of people in the background and it sounds like a XXXX XXXX.
01/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33034	Web
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
11/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92692	Web	Older American, Servicemember
I received a letter dated XX/XX/2021 in which a company known as " AFNI '' stated they were a collection agency for XXXX XXXX XXXX. They were seeking {$270.00} but would " accept a discounted amount of {$150.00}. '' My telephone bill has not exceeded {$30.00} in the last 10 years. I also spoke to customer service with XXXX XXXX XXXX and they assured me I have no outstanding balance whatsoever. This is clearly a fraud aimed at extracting funds from people -- -- -most like Senior Citizens, which I am. Here is information on their letter : Phone : XXXX Creditor : XXXX XXXX XXXX XXXX Account : XXXX XXXX, XXXX Account : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX
09/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	ID 838XX	Web
I received a letter that is identified as XXXX XXXX XXXX. The letter is dated XX/XX/XXXX. The letter purports that I owe XXXX XXXX XXXX {$8500.00} related to the time period of XX/XX/XXXX to XX/XX/XXXX. The account from XXXX XXXX XXXX is identified as two different account numbers. The letter does not provide an email address for me to respond to. The letter does not identify how or where the charges accrued. The letter demands that I send personal information, including a copy of my drivers license and my social security number, by the end of XXXX or my account will be sent to collections. This looks a savvy scheme to collect identity information and financial information on a person.
08/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30024	Web	Older American, Servicemember
A company named Afni says that I opened an account on XX/XX/XXXX for {$870.00}. It says that it was for a XXXX account. I have been with XXXX since XX/XX/XXXX and can't even get XXXX in my area. I would think that an inquiry would have shown on my credit report for this? I have filed a dispute with Transunion ( file # XXXX ), XXXX and just now written a letter to Afni but it may not have had time to get there. Afni reported me to collections on XX/XX/XXXX and my credit score dropped from XXXX to XXXX. How can they do this? Afni address : XXXX XXXX XXXX XXXX ILXXXX I was never contacted about this. It just showed up on my credit report. So I don't have any collection letters to show.
07/29/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75019	Web
I first received notice of the debt on XX/XX/2022 via phone call at XXXX XXXX. The company claims this is a debt of {$76.00} to an internet provider for an unpaid bill. Note that I had never even received notice from said internet provider for this bill. I requested verification of said debt, provided the company with my current address in order to receive letter verification of the debt, and the call ended. I have still yet to receive verification of this debt. On XX/XX/2022, the company reported my debt on my credit report and dated it XX/XX/2022. This company has not been able to provide debt verification, is still attempting to collect, and has reported incorrect information.
12/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60617	Web
i do not know how this individual obtained my personal information Accounts: XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX AFNI Inc Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX XXXX Account number XXXX Inquiries: XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
02/13/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA XXXXX	Web
I received a letter in XXXX stating I allegedly owe this company money. I have already written a letter early XXXX and they have received it on XX/XX/XXXX at XXXX. I endured a call from this company before the end of XXXX and they have called other relatives last month and this month in XXXX, until now my parent have informed me a lady name XXXX just communicated with her today she's looking for me for a supposedly alleged debt that I have nothing to do about. I have mailed another letter ceasing all contact! If anything mailing is another form of communication I only accept. I don't even know what this company is at all. I don't even know HOW they have my mothers cellphone number.
01/03/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60649	Web
this company is reporting to credit companys with no legal right to do so, i have no contract or agreement to pay with this company or entity there of, i have attemted to contact this company numerous times to no end, they have refused to remove the account from my credit report while not proving they had any right to report in the first place. as for XXXX to whom the original debt was owed they have sold and closed the debt and my personal information to a 3rd party without my permission and closed the account and have not made any reports to my credit so there should be nothing on my credit in that regard. dates on my report by AFNI XXXX XXXX XXXX XXXX IL XXXX on date XX/XX/2017
09/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92025	Web	Older American
Over two years ago XXXX XXXX began sending a " past due '' bill for aroound {$50.00} to our address. ( We have had XXXX for over 5 years ). It was addressed to our son XXXX woho has lived in XXXX for over 17 years and has never lived at our aderess. We contacted XXXX and they said it was a mistake and they would correct and delete the charge.Over two years later we are still being harassed by bill collectors. ( The latest is XXXX ', XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, ( XXXX ) XXXX. The bill is now $ XXXXXXXXIn the process we have complained, our son has complained, and XXXX has admitted they are wrong but we are still being harassed. Can you help us?
12/30/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33025	Web
On XX/XX/2022, I sent you a letter to Afni INC after they placed an account on my credit reports without allowing me the opportunity to request validation of the alleged debt. They then sent me a letter providing me verification when I specifically requested debt validation not verification. On XX/XX/2022, I sent you a follow up letter asking that they validate the alleged debt by providing me legal documents, but they completely ignored my request and continue to report this alleged debt on my credit report. On XX/XX/2022, I sent another follow up, and I have yet to hear back from them. I need this account deleted from my credit report and for them to close it in their office.
04/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	OH 43123	Web
I had XXXX account with XXXX and it was closed and paid for. Then another account came out the blue for {$420.00} saying it is mind with a number i have never had. I have spoke with many managers, resolution specialist, supervisor, executives back in XXXX to get this resolved and after three months they 've agreed to remove this from my account. Well now this year of XXXX i still see this account in collections in my name. And they have no information to back this up that it was suppose to be removed back in XXXX. They have updating this information on my credit report which is illegal to do. I have been talk to rudely threaten and harassed about a bogus amount that is not owed.
09/12/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 631XX	Web
U.S.C 1692 e ( 2 ) False or Misleading Representations in Communications A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. I have reasonable cause to believe that ( AFNI Collection Agency ) is using my nonpublic private information to bring harm to me. They open this account without my consent. This Company is putting a lien on my License, and I tried to resolve the issue at hand, but the company refuse. UCC3-603 Tender of Payment, if tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge.
08/11/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 923XX	Web	Older American
I found a collection on my credit report. I called the company to tell them it is n't mine. I had already filed a police report with a different collection agency last year. This debt keeps recurring from different collection agencies. Although I offered to send them a copy of a police report made on the same debt last year, they insist I complete their " packet '' so they can investigate. When asked how long this would take, the answer was that they did n't know ; it would take as long as it takes. I feel like I am fighting an uphill battle with these people. The address where the debt originated is on their report, but they say it is my responsibility to prove I do n't there.
09/10/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	NJ 07008	Web
XXXX is stating the debt is still showing in my credit history. AFNI stated they have contacted the creditors to have it removed. Previous attempt to have it removed Case number : XXXX AFNI said : Explanation of closure On XXXX XXXX, 2016, Afni received tis complaint. This was Afni 's first contact with the consumer. In response, Afni initiated an investigation. On XXXX XXXX, Afni sent another request to the credit reporting agencies to remove the account from the consumer 's credit report. Afni trusts this has resolved the consumer 's concerns. Since the account is no longer in Afni 's office, the consumer should contact XXXX if he would like to discuss the account further.
11/20/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NH 038XX	Web
I TOLD THEM I NEEDED XXXX XXXX RELIEF BECAUSE I WAS HAVING TROUBLE PAYING THE BILL AND ENDED UP HOMELESS AND THE NEVER GAVE ME ANY RELIEF WHATSOEVER AND CALL AND CALL FROM ALL KINDS OF DIFFERENT NUMBERS PRETENDING TO BE A FRIEND AND NOT TELLING ME WHO THEY ARE AND THEN THREATEN ME BY THE END OF THE CALL THEY EVEN USE A LOCAL AREA CODE EVERY TIME AND HAVE MADE IT HARD FOR ME TO FIND WORK BECAUSE NOW EVERY TIME I GET A LOCAL CALL I GET SCARED TO ANSWER AND HAVE TOLD THEM TO STOP CALLING AND THEY JUST KEEP CALLING FROM SO MANY DIFFERENT NUMBERS. THEY HAVE MADE MY CREDIT REPORT GO DOWN BY XXXX XXXX AND THAT'S EXTREMELY HIGH FOR THEM TO BE ABLE TO DO THAT WITH THEIR REMARKS ALONE.
07/28/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 92504	Web
On XX/XX/XXXX I was alerted by my credit monitoring service that a collection account was added to my XXXX and XXXX credit report. I do not recognize the name of the company AFNI or alleged debt. On XX/XX/XXXX they also added I was120 days past due and the account was opened on XX/XX/XXXX. I have never been contacted by AFNI by phone call or letter regarding any alleged debt owed. I have absolutely zero information regarding them and for them to report to credit agencies I owe money without providing me validation of this debt is fraudulent. I have the right by law to respond and/or dispute any attempted debt collection and I was never contacted or given that opportunity.
05/23/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 618XX	Web
On XX/XX/XXXX I disputed this XXXX bill of {$66.00} with XXXX XXXX having already disputed with someone else and mailed information to the company proving that I was not in the area at the time they were trying to collect the debt. Nothing happened except they passed the debt to another company. On XX/XX/XXXX I received another collection notice from Afni, Inc. only this time they do not give me my rights to dispute the debt and are now trying to collect a XXXX amount of {$66.00} and a notice that they will take a discounted amount of {$43.00}. I am attaching a disputed letter to Afni, Inc, disputed letter to XXXX XXXX and a copy of the collection notice from Afni, Inc.
10/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NJ 07108	Web
I had an account with XXXX which I paid in full. The account was supppose to be removed upon payment but it 's still there. According to credit report on credit karma it was a removed collection but it 's still posted as a derogatory mark in collections account. I also have an account with Afni for XXXX XXXX XXXX that keeps appearing on my account which was removed off of my report but keeps reappearing. The amount was disputed once the account was cancelled. I 've contacted XXXX they ca n't seem to find my information but it 's clearly on my credit report saying that I owe XXXX. One of the papers I attached clearly shows that XXXX XXXX XXXX account was closed and removed.
06/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OH 44236	Web	Servicemember
In XXXX of XXXX Afni INC XXXX XXXX XXXX, XXXX, IL XXXX Reported to the credit bureau that I owed them money form and XXXX XXXX XXXX account. I have never heard of Afni nor received and correspondence stating I owed them money. I mailed Afni a letter return receipt requested asking for proof that I owed them any money as I have never had an XXXX XXXX XXXX account. I never heard anything back I fought the fictitious entry on my credit report and it was removed I then noted the XXXX XX/XX/XXXX settles with Afni for credit bureau reporting violations. Well afni is still doing it!!! Please DO SOMTHING ABOUT IT!!!! The reported incorrect info to the credit bureaus about me.
06/18/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 381XX	Web
I received an initial communication from AFNI, Inc., by mail on XX/XX/2020, stating they were attempting to collect a debt. I have no written agreement with any company to disclose any information to AFNI, and have no such account with AFNI. I received a second communication from Afni by mail on XX/XX/2020, attempting to collect a debt. They have provided no verification of this debt. This account is still being reported as a derogatory account on my credit reports by XXXX and XXXX, tarnishing my reputation of creditworthiness. I have sent them a certified letter dated XX/XX/2020, asking them to cease all communication and remove this account from my credit reports.
06/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70816	Web
I disputed this account with Afni Inc. stating this is not my account and it was updated a valid on my credit reports. They did not provide any signed contract or anything else stating this account was mines. This company is in violation of the FCRA for verifying the account as valid with the credit bureaus without providing the proper evidence as requested. They are major discrepancies which this company is intentionally ignoring and the law is clear as to civil liability and remedies available to me ( section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursing litigation in the matter to enforce my rights under FCRA.
04/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 75067	Web
Afini Did not abide by the fcra .article 623 section 3 ". In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). ( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth in Lending Act. ( " I never received any notice of debt or notice of intent to report to a consumer reporting agency.
05/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23220	Web
Received several phone calls from Afni stating that we owed a past due account from a utility company - this was about 3 months ago. We just received a statement from Afni. We currently use this utility company and are up to date. The account number that Afni referenced is not ours and our company name is misspelled. Our company has contacting the utility company to let them know there is a fraudulent collection company acting on their behalf and to confirm that our account is up to date to which they confirmed. The utility company is XXXX. The collection agency is listed as Afni XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX XXXX Date of notice XX/XX/21
07/29/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32571	Web
When logging into XXXX XXXX, I noticed a drop in my credit score and then immediately looked for something that may be impacting my credit to find that I have a collections account. It lists the debt associated with AFNI and also show original debtor as XXXX XXXX XXXXXXXX I'm unsure if this means the phone/internet provided XXXX XXXX XXXX in which I have no had an account or services with them since sometime in XXXX. I do not owe any past due balances with XXXX XXXX XXXX or any other provider/medical etc. This is not a lawful debt practice as I have no idea what this debt is even for or from really. Just my guess based on minimal information I could see via XXXX XXXX.
10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	IL 60426	Web
On XX/XX/XXXX Afni, INC. Comcast has added a derogatory mark on my credit report ( XXXX and XXXX ) per XXXX. Upon further research, the the debtor could not provide original contract nor signatures. This account has transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. There hasn't been no written form of communication or contract for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines.According to the FCRA, Afni, INC. Comcast has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
06/04/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 338XX	Web
I recently learned through XXXX XXXX that AFNI is reporting a XXXX XXXX collection as owed by me to XXXX, a credit bureau. I dont see it on XXXX. Its a debt for {$100.00}, which may not seem like much, but since Ive never had a XXXX account, its entirely too much. I do not recognize this company at all. I certainly dont owe them any money. I tried to dispute it, hoping theyd look into their records and realize it isnt me, but they just verified it as accurate. Its only on one of my reports, so its pretty clear to me that there is a miscommunication happening somewhere from AFNI to XXXX. I have a fairly common name and I just wonder if thats whats causing the issue.
03/17/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 64030	Web
After carefully reviewing a copy of my credit report I noticed that this collection agency was reporting on my credit report. In which I have no contract with this company. So I then sent them a letter pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) disputing their claim and requesting proper validation. NOT a request for verification or proof of mailing address, but a request for VALIDATION made pursuant to the above named Title and Selection. I asked for competent evidence that I have any legal obligation to pay them. I have not received this information. The letter was sent certified with tracking number XXXX XXXX XXXX XXXX XXXX
09/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48238	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
09/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48238	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
07/11/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 455XX	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
09/13/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 91311	Web
This company started to call me yesterday from this number XXXX. They wanted to know up front my social security number, I denied to provide them such information, They said are AFNI a debt collector. I asked them what is about these phone calls, in order to give me the information they said I need to provide them my social security number for verification I denied to give it to them I asked them to stop any phone calls and if they want to address any concerns to make it in writing. At this time I'm not submitting any documentation because this debt collector has not sent me any. If they do I will refer this complaint properly attach it with a proper response.
01/13/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OK 73127	Web
never received a collection notice on account being reported to my credit report, found out about collection account from pulling credit report, This collection company is in violation of the FDCRA 15 U.S. Code 1692g - Validation of debts This company has not sent the required information to me, 1 ) the right to dispute 2 ) who is the original creditor there address amount claiming I owe and any supporting documents, If they don't remove the unverified account and there trade line name from my credit report, I will file an affidavit in court for the violation, and request that CFPB, investigate the company for illegal collection activity and violations of FDCRA,
08/04/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 92410	Web
One year ago I had a lease with XXXX and I transferred to XXXX they told me that they where going to buy off my contract and I 'm still getting charged and this is making my credit really bad!! I 've already talked to XXXX and they have me a paper to send to XXXX I did and they are still charging me ... the thing is that XXXX took that XXXX phone from me cuz they where going to buy off my credit! They did n't give me any money for it or anything! I need this problem fixed.. they 're saying I have to pay {$520.00}. I dont understand why they are still charging me! They need to call XXXX and talk to them because they are the ones that need to pay them not me!! ...
08/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 549XX	Web
I received a collection letter from Afni, Inc. ( see attached ) attempting to collect {$1200.00} Creditor XXXX XXXX. We have not done business with XXXX XXXX for over two years, and all equipment was returned and no balance was due. We have not received any notices from XXXX XXXX, and this account has not showed up in any Credit Reports. I'm starting to think I'm on some sort of scammer list, and these collection companies are sending letters just to see if I will " bite '', and send them money. I will also attempt to file a complaint with the Wisconsin Attorney General Office. Any assistance would be greatly appreciated. Thank you. XXXX XXXX XXXX XXXX XXXX
03/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33021	Web
I have 3 things on my credit report that I want to dispute. I have an account with AFNI, INC reporting that I owe the amount {$1200.00} to a cable or cellular company. My credit report shows that this account was assigned on XX/XX/2014. I have an account with XXXX XXXX reporting that I owe {$220.00} to a cable or cellular company. My credit report shows that this account was assigned on XXXX XXXX. I have an account with XXXX XXXX that shows that I owe the amount of {$750.00}. My credit report shows that I opened this account on XXXX XXXX. I will need written contracts with my signature showing that I agreed to open these 3 accounts and pay these fees.
01/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
This 3rd party debt collector ( AFNI, Inc. ) keeps harasing me with collection letter on an alleged unpaid debt with XXXX XXXX XXXX. I have reported this company in the recent past for the same collection letter except this time they are attempting to collect a " discounted '' amount. This is pure harassment. I never had an XXXX XXXX XXXX account in my life. My identity was a victim of theft from a breach from XXXX account and was reported approximately 2 years ago. This needs to stop. This company has recenlty filed with XXXX and is trying to ruin my excellent credit status. Luckily, XXXX took it of my account as they realized it was an a fraudulent claim.
11/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 431XX	Web
In XXXX AFNI fraudulently added a account that is not my account, during this time it was removed and they went under a affiliated name AfNI and put it back on my account. I dispute the debt and as it's being disputed the company continues to add the account again during the dispute. I have know knowledge of this account and the company has shown no verification the account is mine with my signature that I agreed to any said services with thier company or any affiliates. This is causing me stress and I have had to go see my Drs. As it has been a constant worry and harassment. I have contacted my attorneys and plan to move forward as it is causing XXXX XXXX.
04/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06457	Web
I have been in contact with AFNI, Inc. over an alleged debt they now own, which they have supposedly purchased from XXXX. AFNI claims that I owe {$630.00} for an account number " XXXX. '' Six days ago, I asked AFNI, IncXXXX to provide Validation of the alleged debt. I have asked in writing, via email, for such Validation. AFNI HAS TOTALLY REFUSED to respond by way of such validation of this debt. In fact, this false bill can not be validated because I had no such account with XXXX. This bill may affect my ability to be hired for a position that I have submitted to for a background investigation. This false bill MUST be removed from my credit report at once!
03/22/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	AL 36695	Web
AFNI Inc. Reported a debt they state I owe to XXXX on my credit and on my fathers credit. My father ajd I filed a complaint with the state AG office and in turn XXXX contacted us and we were told by a XXXX representative that neither he nor I owe the debt that AFNi is collecting and that they have no record of a debt in my name or my fathers being sent to AFNI. I filed Bankruptcy in XX/XX/2016 and a debt from XXXX was included in the bankruptcy. Oddly enough AFNI reported this on my credit after i had filed. They also violated my automatic stay by contacting me by mail after i had filed. We belive this debt to be fraudulent. As XXXX has no record of it.
03/10/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CO 80233	Web	Older American
On XXXX/XXXX/2016 I received by postal mail from an organization called AFNI and demand that I pay {$160.00}. The demand said vaguely that the obligation stemmed from " XXXX, formerly XXXX '' but lacked any other documentation, evidence or proof. I responded with a letter, sent certified mail, on XXXX/XXXX/2016 saying I had no knowledge of any such debt, and demanded documentary evidence. The Post Office advises my letter was delivered on XXXX/XXXX/2016. As of this date, XXXX/XXXX/2016, I have received none of the requested information, or any other communication, from AFNI. We have followed up with a second letter to AFNI, noting no response to our first.
11/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30314	Web
Afni is reporting inaccurate and erroneous information to my credit file and its damaging to my personal credit, and financial stability. Ive presented written and legally binding and admissible evidence to support that supports and affirms, on my behalf, said facts. Ive sent records, of several correspondence between myself, and the original creditors ( XXXX ). However either Afni refuses to acknowledge that theyve received or reviewed said documents, documentation. The original creditor agrees that the account was reporting in error to an oversight by XXXXI need Afni to follow legal protocol and the LAW in general and DELETE THIS ACCOUNT IMMEDIATELY.
12/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 44319	Web	Servicemember
This is a Debt that I do not owe. XXXX XXXX XXXX Phone service. This was a land line I had in my home for many years. in fact this so called Debt is over 4 years old. I had phone service with XXXX XXXX XXXX at home and there was some long distance charges on my bill that I did not make, this has happened several times which XXXX XXXX XXXX corrected, so XXXX XXXX XXXX suggested that I make a package change which would help, so trusting them I did make a package change with XXXX XXXX XXXX. Upon the change they tried to charge me the rear amount of the bill that they corrected and I did not owe, so I stopped service with XXXX XXXX XXXX with my land line.
11/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 020XX	Web
On XX/XX/2021 Afni Collections reported to XXXX that I had a XXXX account in collections in the amount of {$2100.00}. This was a fraudulent account and has already been removed and blocked by XXXX. On XX/XX/2021, I contacted XXXX and informed them that this fraudulent account was already removed and should not be on my credit report. I also contacted Afni and they told me it was a civil matter and there was nothing they could do. I have contacted XXXX multiple times and pleaded with them to remove this info and they say it is active. They have not provided me with an answer as to why they would put this back on my credit report. XXXX is not helping me
02/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53704	Web
On XX/XX/2020, AFNI added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold, and I am no longer responsible for this account. ANFNI did not verify this collection and there was no written form of communication, contract or written signature for this accused debt at all. A bill without a written signature does not validate the debt. Anyone can send me a bill and say it belongs to me. AFNI also doesn't have a signature or contract agreement for this bill. Furthermore, according to FCRA, AFNI has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
02/07/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90201	Web
On XX/XX/2021 I received a letter from Anderson Financial Network Inc ( AFNI ). The letter stated that XXXX XXXX XXXX XXXX XXXX XXXX XXXX account has been acquired by Afni, Inc. for collections. For {$560.00}. That is not possible as I do not have any Business with XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX Customer Service for fear of potential fraud under my name and information.. XXXX XXXX Customer service confirm what I knew all a long.. There are no accounts are open under my name or SSN. I monitor my credit on a regular basis. Well aware of what accounts are open and close under my name. And XXXX XXXX Has never appeared on my Credit Reports.
05/06/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NC 28560	Web
A company that goes b y AFNI w ith the telephone number : XXXX . They called twice - once on XXXX XXXX at XXXX XXXX and again on XXXX XXXX at XXXX XXXX . They did not leave a message either time but when I got home I saw that they called. The first time, I called the number back not having any idea who they were. They said they were a debt collection company and asked to speak to me. I said they were calling the wrong number and I asked them to not call me again. Then again today I come home from work and see that they called again. I called them back but they were not open. How many times do I need to tell them to stop calling me?
03/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI XXXXX	Web
I've contacted this company and informed them I have no business with them. I also hired a credit repair service to assist me with this company. They were sent a debt validation letter and refused to comply with FDAC rules and regulations. All the information requested they refused to send, instead they sent some computer generated copies that may or may not be true. I've just received another letter in the mail asking me to at least pay half. This company tries to collect debts not owed to them. They are a debt collections company that buys debts that may or may not be owed and definitely not owed to them. I have no business with them and never had.
07/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 217XX	Web	Servicemember
AFNI has just placed a debt which I have disputed through the CFPB multiple times in the past and it was been removed by each previous collection company because the account is fraud. I am now going to also file a complaint with the Maryland Attorney General 's Office of Consumer Protection as this is now, I think, the fourth or fifth time I have disputed this debt as fraud but then it gets sold to different collection agency and isn't being flagged as fraud. They don't even bother to send anything in the mail anymore because they know FDCPA and State of MD law provides me 30-days to dispute it, so they just buy it and attach it to my credit card.
04/09/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN XXXXX	Web
I received a letter from a AFNI stating that I owe them {$410.00} for XXXX. I have no knowledge of this account. I mailed a letter to AFNI on XX/XX/XXXX asking them to VALIDATE not VEFIRY this dent that claim I owe them or XXXX. The attached letter is the only document they sent me. I sent a second letter on XX/XX/XXXX requesting that they please VALIDATE this debt they claim I owe them or remove it from my credit report immediately if they can not provide me with suffice documentation. They in turn sent me the same document again. The letter states this is VERIFICATION and I have asked them for VALIDATION that I owe them this debt in which I do not.
02/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20814	Web
We closed our XXXX XXXX account on XX/XX/2021 and were told that our final payment of {$440.00} would cover the final billing cycle due to end on XX/XX/2021. On XX/XX/2021, we received our next XXXX bill through XX/XX/2021 even though we had terminated the service for {$230.00}. They automatically billed my credit card which was erroneously still on file even though we had terminated service. A dispute with my credit card company was resolved in my favor. XXXX then sent me bills and sent the bill to collections. This charge is one for AFTER service was ended and after we were assured by XXXX we had paid our final bill for service through XX/XX/2021.
01/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 945XX	Web
AFNI has contacted myself regarding an account opened in my name. The debt is {$1100.00} It was opened and used for XXXX XXXX XXXX XXXX XXXX. This is the second time this has happened. The service was provided in XXXX State of XXXX. I have no relatives in XXXX. I have worked and lived in XXXX my entire life. I have an account with XXXX XXXX XXXX in XXXX in good standing for XXXX years. acct # XXXX. afni XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AFNI acct # XXXX Creditor XXXX XXXX XXXX Acct XXXX XXXX This is not my debt. Someone is opening an account with my last XXXX digits of my ss # and old phone number from over XXXX years ago XXXX
12/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77583	Web
Notice, it is a fact, affiant did not give prior consent to communication to the debt collector, AFNI INC. and the affiant alleges there was no prior consent from a court giving permission to contact I, the affiant in collection of any debts and thus this communication would be AFNI INC. is a violation of 15 U.S.Code 1692c ( a ) without a court order brought forth. It is a fact, affiant is aware, the false character of the amount of any debt is a violation of 15 U.S.Code $ 1692e ( 2 ) ( A ). Affiant has proof of this violation as AFNI INC. allege I, the affiant, owes a debt but the alleged debt is shown in the positive amount, as seen in Exhibit A.
11/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WA 98502	Web
XXXX sent the account to Afni and they NEVER contacted me to inform they hold the debt, They never tried to give me an opportunity to settle. I ended up calling and tried to settle. This account is in complete dispute and can be resolved. When I switched to XXXX from the previous carrier I was mislead and out right lied to by the store rep. I later learned that the initial store rep was discharged for similarly misleading switching customers. We were not informed many financial necessities that should have been properly disclosed. Instead we were told that XXXX would take care of some charges. I made an offer for a settlement, and they refused.
07/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 367XX	Web
AFNI has a XXXX collection against me for the amount of {$300.00} on my credit report. I have never been a customer of XXXX. So when I called, I found out it was for service at property address XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX in which I previously owned. Problem is, the account was set up and closed in XXXX and I sold this home on XX/XX/XXXX as you will see on the attached satisfaction of mortgage. Due to me trying to close on a new home ASAP, I asked AFNI to accept my payment in full but to issue a courtesy deletion as the account is not mine rather than go the whole fraud route. They declined to issue a deletion of the account once paid.
12/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 914XX	Web
On XX/XX/2020 ANFI sent me a letter stipulating that I owed money for a debt they are trying to collect. They identified the debt as liability for a claim of {$5000.00} owed to XXXX XXXX XXXX XXXX regarding a loss that occurred on XX/XX/2020. No such liability exists to the best of my knowledge. I have had no accidents, nor any claims made against me or my insurance company during the time period described. My name is misspelled in their letter, further eroding the credibility of their request. I am concerned that even though the claim appears to be false, they will negatively impact my credit rating or bring further collection actions against me.
11/10/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21921	Web
Afni, inc. has falsely reported information about me to the credit bureau, and it has negatively impacted me. I am in the process of buying a home and this is preventing me to move forward. The debt says it 's an XXXX & XXXX XXXX account, which I 've never had. I 've been a XXXX customer for over 10 years. I pay my bills, and everything on my report is positive except for this false collection. So that I could move forward with my home loan I even contacted Afni to pay the debt ( even though it 's not mine ) if they would remove it from my credit report. They declined. It makes absolutely no sense to ruin someone 's life for absolutely no reason.
05/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 331XX	Web
My original complaint against this collection agency was : # XXXX The collections company agreed to remove from my credit report and withdraw all claims against me. When I go into the credit report on XXXX , it was removed, but now it is back. This should be deleted from their records and removed. Can you follow up with : XXXX XXXX XXXX XXXX XXXX , IL XXXX ( XXXX ) XXXX So they actually do what they agreed to do. This is still showing up on my credit report and they agreed to remove it in the original claim f rom Consumer Finance la st month. They have n't done what they told you they would do. Thank you XXXX XXXX
03/21/2017	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	GA 30213	Web
I subscribed to the XXXX based credit monitoring system Credit Check Total. When I logged in today to check my credit report my score had dropped by XXXX points. I investigated further to see that a collection had been added to my credit report illegally. I am unaware of this account and I was not notified by mail or phone concerning this alleged debt. Because I was not sent a dunning letter I was not able to exercise my right to dispute this alleged debt. This company has completely violated my rights under the law. Additionally, the account is listed as closed. Why is this illegal account on my credit reports. I would like it removed illegally.
07/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 35401	Web	Servicemember
I opened a comcast account the bill was paid XX/XX/2017 and then it was closed by XXXX saying it was not up to date but later they found that it was incorrect. I did not reopen the account and brought back equipment to XXXX XXXX, the associate assured me everything was taken care of and it was closed. This collection started popping up, out of blue and saying I owe a debt which is not true. This is a false collection because they have no payment history, no explanation of debt, and they keep changing their name every time I dispute it. Now its AFNI, debt change to {$280.00}, before which was two weeks ago, It was XXXX XXXX with debt of XXXX.
05/16/2017	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	UT 84119	Web
I installed a SPAM blocker due to this company. They get past the blocked number and leave a message every time. Short message, This is from a debt collector please call this number. I call the number they say I do not have an account. They say my number is not in their system and they will notify the correct department to stop the calls. I have called them at least 10 times to stop the calls. I have a recording of one of the ca lls. They identify themselves as AFNI collections, caller ID " Debt Collector ''. I think they are selling my number because after i called them i received more calls from others. Do not answer or return their call!
01/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30274	Web	Servicemember
XXXX is charging me for monies that I have paid to collection agencies. In addition, I was advised by XXXX to keep internet equipment and suspend accounts until I restore services in my new state that I moved to. Unfortunately, I decided to turn in the equipment ( see attachment ) and is currently being charged. XXXX is stating that they did not receive the equipment, but attached records shows that a XXXX employee signed for the equipment. Also, they have XXXX different collection agency contact me regarding the same account. I paid one {$170.00} and the other is demanding payment. Both are unethically on my credit report and should be removed.
08/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30008	Web
On XX/XX/2020, I called and spoke with a representative at AFNI to dispute the amount owed with XXXX which was two months of service. I have been a customer of XXXX/XXXX ( previous name ) for over 15 years and know firsthand that XXXX doesn't allow the customer to become two months behind in payment before disconnecting them. However, after another service failed to provide service at my address, I decided to pay the entire balance in the XXXX store since they are the only wifi/cable providers in my area. Additionally, I sent the receipt of the bill paid in full to AFNI but yet the collection remains on my account with the three credit bureaus.
09/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89103	Web
AFNI ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$140.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
02/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NE XXXXX	Web	Older American
afni debt collection company contacted me in XX/XX/XXXX about an XXXX bill that is not/never was mine, dated XX/XX/XXXX Appears to be a mail order for a telephone that was delivered to a person with the same first & last name as mine ( very common one ) @ a XXXX address. I have lived in different state since XX/XX/XXXX, during which time I have not had an XXXX acct. or purchased anything from XXXX. I so notified Afni, Inc. when I first heard from them, but just received another dunning notice. This temporarily affected my excellent credit rating w/ XXXX XXXX before I was even notified of this bogus charge, which is utterly unacceptable.
05/06/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33410	Web
I have recieved a letter from a debt collector, and I responded with a debt validation letter. My requests for informatioin on that letter were ignored. The company continues to attempt collections with out verifying the debt to my satisfaction. I have attached the letter I responded to their initial contact with me informing me of an alleged debt. In the response I got from this collector, they did not proved documentation proving this debt is mine. ie. contract between me and the alleged creditor ; nor a signature that would show me entering into an agreement or plan. They did not indicate if they are licensed in the State of Florida
04/04/2021	Yes	Debt collection Auto debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 19134	Web
XX/XX/2021 I received a letter from AFNI, INC saying i owed a balance of ( {$9200.00} ) for a debt that has been sold to them from XXXX XXXX XXXX , XXXX XXXX I Wrote Afni a letter certified mailing, asking for debt validation XX/XX/2021, I havent yet got any form of response. I am very concerned on how cant I get the information when I see the activity dates on the account is constantly updating. Afni told me to contact XXXX XXXX XXXX for more information regarding the debt and I have already did that before the debt was sold to them. It seems like I cant get any where with either one of these companys when I am asking for validation.
09/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 947XX	Web
Last month this company received a check along with a letter from me to pay off a {$77.00} debt the had reported on my credit report. The letter specifically stated that they were to only cash the check if they would go on to delete the account from the credit report and if this was not acceptable to them they were to send me the check back. ( see attached copy of letter ) In addition, I had also write on the the check 's note section " cash only if you will delete account from credit report '' ( see attached copy of check ) The company violated the implied agreement and cashed my check and failed to delete the account on my credit report.
02/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07105	Web
Months ago, On XX/XX/2022, I pulled my credit report and noticed an account that I had never opened, I don't know the reason this account showing on my report, and I don't really know what step exactly to take to remove this mentioned account on this complaint, I did some research over the internet about how to remove the erroneous account on my report, So I decided to file a dispute on FTC Website to accelerate fixing this the issue, hoping for the positive feedback regarding this issue, Please remove this negative account from my Credit Report, it is ruining my XXXX XXXX, and as I said I don't really know the origination of this account.
06/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21234	Web
On my credit report I notice there was an unverifiable debt in collections. I sent a validation of debt letter to the debt collector that's on file ( Afni ) and mailed them a validation of debt letter. They reported with a computerized response letter without my wet signature stating I owe XXXX XXXX XXXX money. I don't owe the debt collector XXXX Afin XXXX nor XXXX XXXX XXXX any money. I sent them a cease and desist letter, along with a affidavit of truth informing them to delete their trade line from my credit report with all 3 credit bureaus. Their contact info is listed below Afni XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX
12/17/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 14609	Web
I received a letter from a collections agency [ AFNI Inc ], claiming that I opened a loan from XXXX. I responded to the letter asking for more information and validation, proof, and an original copy of the loan agreement with my wet ink signature. They habitually ignored my request. It has been well over 90 days and I have not gotten a response to what the loan is. Upon further investigation it appears that my name and address was used to open the account and/or billing reasons. This is without a doubt true name fraud, which I informed them because I have never lived in the city or address that they claimed or received any goods from XXXX.
12/30/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 94621	Web
I am a victim of Identity theft and I have sent countless letters to Afni and XXXX XXXX XXXX. Both of the collections agencies are listed on my credit and are currently coming after me for a fraudulent account with XXXX XXXX XXXX. I have NEVER been contacted by XXXX XXXX XXXX but that is who they both claim the debt is owed to according to my credit. Afni sent me a notice dated XXXX XXXX, 2015 not trying to validate the debt but to make a settlement offer, however, the account was already on my credit and has been on my credit since XXXX 2015. I have never received a notice from XXXX XXXX XXXX they just placed the account on my credit.
08/17/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 30809	Web
Afni XXXX is using a machine to make calls and showing on the caller ID as XXXX a different company. When I received a call this morning I was asked to hold for the next available operator, I waited to see to see who they were looking for as my former step-mother has been passing out my number to her creditors. The call disconnected without me being able to discuss the matter and ask them to remove me. I then called XXXX trying to clear this up and was told they had no account with my phone number and told me they had other complaints that Afni was engaging in this practice. I finally called Afni and they refused to admit to their conduct.
07/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 601XX	Web
I received a call in XXXX of 2017 about a XXXX past due account. I told the caller I didnt order XXXX and never resided at address that account was associated with. The caller asked for my last four SSN to verify that I wasnt the person they inquired about and I gave it to them not realizing what I had just done. After receiving a collection notice on my credit report i called XXXX to dispute the charges and they had me fill out a ID Theft Affidavit which i sent to them in XX/XX/2017. The collection was removed from my report only to be placed back on with a different collection agency this month. The amount thats in dispute is {$1900.00}
10/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36117	Web
Upon reviewing my credit report, I found a derogatory account with AFNI reporting with an opening date of XX/XX/2020 per XXXX XXXX and XXXX. This company failed to verify this collection although they have a statement listed on my report of verified. This is FALSE. Also, there is NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, AFNI has violated my rights as a consumer by listing this account on my credit report and I'm requesting legal action to remove this account immediately.
05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	OK 747XX	Web
ON XX/XX/22 ASKED AGENT TO VERIFY WHAT BUISNESS THEY WERE AND HOW I OWED THEM MONEY WHEN I NEVER DONE BUISNESS WITH THEM. AGENT WOULD NOT EXPLAIN HER COMPANIES REASON FOR CONTINUALLY REPORTING THAT I WAS DELIQUENT ON PAYMENTS THAT I NEVER SET WITH THEM. SHE CONTINUED TO WANT ME TO TELL HER MY SOCIAL SECRUITY NUMBER. THIS IS A 2ND OR 3RD PARTY DEBT COLLECTOR OF A DEBT OLDER THAN 5 YEARS. I HAVE NEVER SET PAYMENTS WITH THEM AND OTHER THAN ABOVE DATE NEVER SPOKE WITH THEM. THEY CONTINUE EVERY 3 MONTHS TO REPORT TO MY CREDIT REPORT THAT I HAVE LATE PAYMENTS. PLEASE STOP THEM FROM REPORTING ON MY CREDIT WHEN I DON'T HAVE BUISNESS WITH THEM.
09/13/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60607	Web
XXXX ( original creditor ) and AFNI ( one of their collections offices ) has a history of arbitrarily assigning other people 's debts to me for no apparent reason. I have been a victim of this fraudulent practice with a variety of account numbers on several occasions ( four times since 2017 ) and my credit score was temporarily negatively impacted as a result. In most cases, the credit agencies corrected the entries subsequent to investigations. I have never had any unpaid debts with either XXXX or AFNI, however ; XXXX is, once again, showing that I have a collection account. I've included a page showing the current account in dispute.
11/01/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94587	Web
AFNI contacted me saying that I supposedly owed a debt. Then another collection agency under the name of XXXX contacted me also saying that I owed them the debt. So basically they are trying to double collect. A few days ago I filed a complaint against XXXX and they said that the debt was completely removed and that they will not pursue it. AFNI never verified the debt and they are still showing up on my credit report? I sent them a few letters and they never validated the " so-called '' debt. I need them to remove themselves from my credit report and am asking for punitive damages for willfully neglecting to verify the debt.
05/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TN 37174	Web
Afni Inc is reporting on all XXXX of my credit reports as a paid collection. I paid the outstanding balance of {$460.00} directly on the orginal creditor website which was XXXX XXXX. XXXX is not reporting the debt to the credit bureaus. Since I am current with the orginal creditor and they are not reporting to the credit burreaus ; I do not understand how the collection agency who did not collect the funds from me can report this as a paid collection. I have tried to correct this by disputes on my XXXX credit reports. I also filed a better business Bureau compliant. All responses from Afni indicated this will stay on my credit report.
03/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33614	Web
Hi m name is XXXX XXXX XXXX my date f birth is XX/XX/XXXX and my ss # ends in XXXX In XXXX/XXXX/XXXX I contacted AFNI the collection agency that has my debt of XXXX from XXXX and the agent who answer the phone said they are not able to fine my account neither with my social security number or my name or my date of birth so they ask me to contact XXXX which I did the same day and their collection department told me the same thing AFNI told me they were unable to find anything yet they are still reporting on my credit so I want them to close my account and removed that from my credit report today I called agin and I had the same answer.
04/27/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33823	Web
This company sent me a collection notice on XX/XX/2022 regrading an allegedly debt account. In my response, I sent back on XX/XX/2022 within the 30 day dispute period to ask for a debt validation, which is my legal right as a consumer. I received no response back from them. I then sent a follow up letter on XX/XX/2022 regrading this debt validation. Again no response back. I am no lawyer, but I do understand if I ask for a validation of debt, the collection legally have to response with proof of debt with a contract. Just this week, this collection agency has ignore my request to validate this debt and report it to the credit bureau.
02/27/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30310	Web
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.
03/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MO XXXXX	Web
I received a letter from XXXX dated XX/XX/2017 that Account from XXXX XXXX has been removed from all national credit bureaus. I then received a collection notice from Afni dated XX/XX/2017 in reference to the same XXXX account XXXX which has now been added to my credit report like it 's a new debt which is not legal. It is affecting my credit once again after it was removed prior to Afni purchasing it the same month XXXX sent my letter of removal. How can Afni send me a collection letter dated XX/XX/2017 and XXXX send me a removal letter dated XX/XX/2017. The dates is not adding up and I want Afni to remove this off my credit report!
08/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	GA 318XX	Web
A derogatory mark was entered on my credit file as per credit check total. this account was transferred or sold and I am no longer responsible for it. this company did not verify this debt before listing it on my file. they did not have my written permission to list it. also they have not sent me any written contracts with my signature. They are violating my rights as per Fair Credit Act. Sending a bill without a written signature of mines does not qualify as validating a debt. Anyone can send a bill to someone. According to FCRA, Afni inc is in violation of my rights. I am requesting legal action to remove this account immediately.
04/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	GA 31405	Web
Apparently, XXXX XXXX XXXX XXXX sold a closed/paid account of mine to a collector. A collection account that was on my credit report through Enhanced Recovery was sold to another collections comp any, AFNI. Now, both are appearing on my credit report and AFNI is mis-representing the date the account was open. The open date shoul d have be en X/X/XX but they are claiming it was open in XX/XX . Th ey are also reporting that I missed a payment in X/XX . I have never heard of this company and I have never received any information from them. I 'm in the process of buying a home and this is now preventing me from doing so.
07/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 751XX	Web
I have a negative acct on my credit report from AFNI a debt collection agency. The original creditor is XXXX XXXX XXXX. I have disputed the date with XXXX 3-4 times now. I have called AFNI concerning the date and was told they do n't have records of anything more than my personal information and the amount of the debt. I have been told the time of the debt on the credit file is XXXX yrs from the date of last payment. I have a past due bill from XXXX XXXX XXXX dated XX/XX/XXXX but AFNI has challenged each time listing it as XX/XX/XXXX which is when I believe they purchased the debt. I have been dealing with this for about 6 mths now.
10/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 62002	Web	Older American, Servicemember
I had XXXX for my television serivice and the payment was suppose to have been taken off my credit card. I also had XXXX for internet service. XXXX turned my tv off 5 different times over non payment. I told them it was suppose to be taken off my credit card. They told me to contact XXXX which I did. XXXX told me to contact XXXX. It was back and forth and for some reason they could not resolve the issue of turning my tv off. After the 5th time I told them to take the XXXX thing out and got XXXX and have never had any problems. I explained to the collection agency and also contacted direct tv and have not had a response from either.
02/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI XXXXX	Web
The bureaus are required to 100 % accurate with their investigations ' results but as far as the AFNI account is concerned with my credit report, the Bureaus have failed to comply with FCRA 's requirements. They failed to investigate the account properly which results in hurting the credit reports big time. Moreover, they have not submitted and signed documents or agreements that can validate their verdict. Most importantly, I have made my payments to the original creditor or furnisher. AFNI ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$470.00} AFNI ( Original Creditor : XXXX XXXX ) XXXX Balance : {$570.00}
04/18/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33543	Web
Afni, a subrogation department, has been contacting me for the payment of {$35000.00}. According to Afni, I owe this money to the insurance company XXXX due to a traffic accident, but they haven't been able to provide an explanation of where this amount comes from. They also discussed a possible driver 's license suspension, which I consider a threat. It is worth noting that XXXX hasn't personally contacted me regarding this. On the XXXX of XXXX, I sent a letter to Afni by certified mail asking for these details, but they sent the same initial letter with no answer to what I asked for. This has been causing me a lot of stress.
03/12/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MD XXXXX	Web
Since XX/XX/XXXX I have been receiving repeated and frequent telephone calls from AFNI a company engaged in the practice of debt collection. They calls have increased in intensity and caller identification information indicates that AFNI is calling on a frequency of two to three times a day. The alleged debt is unknown. I filed a previous complaint with CFPB against AFNI on XX/XX/XXXX. At the time, I indicated an issue of communication tactics. Despite a previous complaint regarding their communication tactics the company continues the harassing behavior. To repeatedly call on a daily basis for over four months is harassment.
06/16/2018	Yes	Debt collection Auto debt	False statements or representation Indicated you were committing crime by not paying debt	CA 90047	Web
I was recently contacted by a company named XXXX XXXX XXXX XXXX via mail and phone. This company claimed that I had to pay {$3400.00} in debt for a car accident that I was involved in a few months ago. However, the car accident was dealt with by the insurance company immediately after it happened, no one was charged, and the claim was closed by the insurance company. Immediately after being contacted by Afni, I called the insurance company and they did not know anything about this Afni company. Afni threatened to report me to the Department of Transportation as well as mess up my credit report if I do not pay them the money.
04/27/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30093	Web
Afni, Inc is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX , XXXX or XXXX ) this acti on might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit rep orts. Afni, Inc are in violation : the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character.
03/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 73012	Web
XXXX XXXX XXXX listed a collection on my credit reports that had been placed with XXXX XXXX XXXX. I requested debt verification and have not received it. I canceled service due to a move and returned all equipment to a local XXXX XXXX XXXX store. I do not owe this debt and demand that it be removed from all 3 credit bureaus immediately. I disputed this previously with XXXX and they stated that XXXX closed the account as disputed by consumer and said that they deleted any tradeline reported on behalf of XXXX XXXX XXXX XXXX XXXX Despite this, it is now back on my credit report. Delete immediately or I will pursue legal action.
03/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 919XX	Web
I was the original owner of the account and had my ex spouse on the account as well I closed it out turned in my device and paid a termination fee of over XXXX this was back in XXXX over 7 years ago I informed my ex to turn his device in even though it was paid off but XXXX insisted they wanted it back. I have had no communication with him since and was barely informed 2 years ago the device was never sent XXXX sold the debt to AFNI who keeps reselling it back to itself every other month and keep decreasing my score even after j try and dispute it every which way because the debt belongs to my ex for not giving his half back
12/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL XXXXX	Web
I, XXXX XXXX, was involved in an accident on XX/XX/XXXX at approximately XXXX with a XXXX XXXX XXXX and an unidentified XXXX XXXX driver of a XXXX XXXX XXXX XXXX who backed their vehicle into mine ( XXXX XXXX XXXX XXXX XXXX. We exchanged insurance information with theirs being XXXX and mines XXXX. My insurance has found me not to be at fault yet XXXX insist to have me personally pay for the damages to their client 's vehicle. So much so that XXXX has forwarded this " debt '' to AFNI. AFNI continues to harass me stating that they were unable to contact my insurance provider and confirm coverage at the time of the incident.
10/01/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48161	Web	Older American
Afti/Comcast says I didnt pay a bill of {$230.00} from XXXX 2022. This is an error on their part. I ordered a new service but Customer Service had all wrong information. When tech came to home to install he had all wrong equipment, etc He corrected new service order and I waited another week for installation. I believe this {$230.00} amount is two months of what was ordered wrong. I am currently paying on the correct service monthly with Comcast ( paid on time each month ). I do not owe them {$230.00}. Besides all of this, Comcast never communicated with me in anyway that this was due. It just showed up on my credit report.
10/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30035	Web
On XXXX/XXXX/XXXX I contacted Equifax about a collection debt appearing on my credit report that does not belong to me. Equifax informed me there was nothing they could do to correct the mistake. The alleged debt is from the company AFNI , Inc. in the amount of {$1000.00}. I do not have a signed contract nor any contract with AFNI, Inc. I have never done business with this company. I am not liable, nor am I responsible for collection from this alleged debt with AFNI, Inc. This negative mark is affecting my XXXX XXXX heavily. Please investigate this matter and remove this inaccurate information from my credit file with XXXX.
11/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36605	Web
This debt for {$1000.00}, showed up on my XXXX XXXX report recently. I have no outstanding debt with XXXX ( account # XXXX ), in fact I have an account in good standing with XXXX. The company AFNI ( account # XXXX ), has sent me an affidavit on XX/XX/21 to supposedly correct the error. The company AFNI, has never notified me of a debt until it showed up on my credit report. There are requesting social security numbers, bank account information, proof of residency, copies of my license or passport. They have only told me they are requesting the proof of residency from XXXX - XXXX. I have no idea what they are talking about.
06/15/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60616	Web
I have asked AFNI Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
12/03/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	LA 704XX	Web
On XXXX XXXX I received a collection notice from AFNI COLLECTIONS in regards to doing business with XXXX XXXX XXXX XXXX in the amount of {$7000.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692k CIVIL LIABILITY consumer is requesting {$1000.00} USD for violating me directly and causes of mental confusion and stress.
11/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93312	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove XXXX XXXX XXXX account from my personal credit file.
03/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33596	Web
I received a collection notice in the mail from AFNI , Inc., so I called and spoke with a lady by the name of XXXX on their customer contact number. The purpose of my call was to record a dispute of this debt as I am a current XXXX XXXX XXXX account holder with no balance owed. She immediately wanted to send me a " Fraud Package '' instead of recording the dispute on my account. Last I spoke with XXXX XXXX XXXX, I have no balance on the account. She kept interrupting me and wouldn't acknowledge me asking her to supply me with proper documentation of which I asked for numerous times. Call is dated XX/XX/2020 at XXXX EST.
09/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33056	Web
I am contacting your agency to ask for your assistance to get a debt collection to remove damaging never account from my XXXX credit report. I have contacted XXXX several times requesting they contact this debt collector to validate this debt i supposely owe. After several attempts to get this situation resolved i decided to reach out to Consumer Financial Protection Bureau. XXXX and/ or refuse to provide any evidence that this debt belong to me such as signed service contract, copy of driver license or etc to validate this debt i supposely owe. I am demanding AFNI removed this debt from my XXXX Credit Report immediately
06/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 92584	Web
AFIN, INC falsely reporting a paid account. I had only had XXXX XXXX account from when i was married, it was reported to my credit report XX/XX/XXXX. On XX/XX/XXXX This account was settled and paid to XXXX, i send to all XXXX credit bureaus XX/XX/XXXX and now its re-reporting from AFIN INC. so I called the company at XXXX and they wont send verification of dept and cant tell me anything other then to pay. I have also received a sarcastic voice mail from this company on XX/XX/XXXX form XXXX then an automated one on XX/XX/XXXX from XXXX both stating they are with AFIN. Ill provide XXXX attachments Thank you for your time
07/05/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	OH 45365	Web
This debt is not valid. I do not owe AFNI or XXXX. When/prior to I canceled my account with XXXX, XXXX verified account was paid in full. IT was paid IN FULL. Then they tried to charge cancelation fees after the fact. and I refused to accept charges as my account was closed. AFNI bought an invalid debt and tried to collect. I informed them that the debt was invalid and needed wet signatures of original debt. They refused to provide documentation. I asked them to stop contacting me and to stop reporting to credit bureau. They refused. They are negatively and falsely effecting my credit report and refuse to stop.
03/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30281	Web	Servicemember
AFNI INC, need to remove any information claiming I owe {$340.00} to XXXX XXXX. That debt was paid in full to XXXX. I have contacted the Attorney Generals of Illinois and Georgia to file a complaint. The report says the account was reported on XX/XX/2019. Then it says it was reported XX/XX/2019, which appears backwards. I could not get any proof that this account was mine from either XXXX or AFNI. I was bullied into paying the debt because I am trying to purchase a home. The account # XXXX is showing on all three credit reporting agencies. Please help get it removed. I have also contacted the credit reporting companies.
01/24/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	GA 30349	Web
Afni is currently furnishing innacurate information about me to the the consumer reporting agencies. I have requested full documentation from AFNI of proof that this account belongs to me and they have not done so in the required time limit. I also have repeatedly asked AFNI to provide me their right to collect this debt. This account does not belong to me and I am requesting them to cease all collection activities and remove this negative reporting from my credit files immediately or I will file a legal suit for damaging my credit rating. This is the 4th attempt to get AFNI to comply and they have willful not complied.
11/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IA 50265	Web
XXXX did not properly record the fact i returned their equipment and is trying to collect a {$100.00} penalty. I 've spoken to customer service reps who have documented numerous attemps by me to request promised shipping documents. When the shipping instructions finally arrived, I properly boxed up the equipment and set back as instucted. Now XXXX is tying to collect a penalty for late return when in fact it was their failure that led to the late return. customer service reps have told me that all charges were reversed due to their error, but yet I am still receiving collection notices from third party agencies and AFNI
05/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IA 52402	Web
We did not have any account with XXXX and are charged with {$1100.00}. Not only we were charged but also our credits are damaged and we are reported to debt collector by XXXX. We explained many times to the debt collector AFNI and also managers of XXXX but they continued charging us and damaging our credits. Please help us restore back our credits which were damaged for many months and ask the XXXX and AFNI to give you the signed contract that we had with them with any copy of official documents we showed them during the time we signed the contract with them. Thank you for your help and we want the justice to be done.
04/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	LA 70068	Web
AFNI is reporting a account on all XXXX of my credit reports. XXXX, and XXXX. I have disputed this account with all XXXX credit bureaus and AFNI several times, and requested investigations. All XXXX credit bureaus informed me that AFNI verified and confirmed that the account belongs to me. I have not received any proof or documentation from AFNI that confirms this account belongs to me. I also submitted copies of the police report indicating that my personal information such as Social Security Card, Driver 's License, Birth Certificate, and briefcase that held all my credit cards, debit cards, and check book was stolen.
07/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 280XX	Web
Dear Afni Representative, I am writing to bring to your attention an issue that has recently arisen. I have been contacted by your company regarding a debt that I have already paid off. While I understand that mistakes can happen, I believe that your actions may be in violation of the Fair Debt Collection Practices Act ( FDCPA ). I kindly request that you review your records and correct any errors that may have led to this situation. Additionally, I ask that you refrain from any further attempts to collect on this debt until the matter is resolved. Thank you for your attention to this matter. Sincerely, XXXX XXXX.
09/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89511	Web	Servicemember
On XX/XX/18 I received a collection notice from afni Inc . It was for an XXXX XXXX XXXX account in he amount of {$280.00}. This was the first time I had been notified of the bill. I followed up with a letter to afni on XX/XX/18 ( see attached ). I copied my attorney on the letter as I always do on this type of correspondence. In XXXX of this year afni send our attorney the collection notice. I NEVER stated we had hired an attorney to handle this and I do not understand why they would change the billing to him. Also, they have not, as of today provided me with any additional information regarding service address, etc.
03/01/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WV 25801	Web
Last week, a debt from Afni was added to my credit report. The date stated that it was opened is XX/XX/2016, which is a lie. I did not have XXXX XXXX XXXX first off, secondly I did not receive any written notification for this debt whatsoever, and if anything were opened in 2016 it would not have just appeared on my report last week. I have proof from all credit bureaus it was never there. Also, since I have never received anything about this debt, I also never received any written notices of my right to dispute or to request validation ( not verification, VALIDATION. ) They are violating multiple rights per the FDCRA.
05/13/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60459	Web
I received an alert on two of my credit bureau. The alerts stated that the Creditors name is AFNI at XXXX XXXX XXXX, XXXX, IL XXXX. Showing that is have an Account Balance of {$94.00}, Payment Status : Collection/Chargeoff, XXXX XXXX XXXX : XXXX XXXX Other, & XXXX XXXXt : Placed for collection. It only shows a partial account number on one of the alerts and shows it was added to my credit report report on XX/XX/2021 on one site and XX/XX/2021 on the other site. I dont owe {$94.00} to any company and have a good credit score currently at XXXX on XXXX and XXXX on XXXX I dont want any false information to damage them.
07/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	PA 19154	Web
XXXX has allowed new collection accounts to be placed on my credit report without properly verifying identity and they will not allow me to file a dispute, it has been 60 days now and I continue to receive an error message stating technical difficulties. Afni is listed as a collection on my account in the amount of {$580.00} this same company was listed on my credit report before, I disputed it and this same account was removed by XXXX. This account was placed again, updated with a new report date of XXXX XXXX which is completely inaccurate and false reporting and now XXXX will not allow me to dispute this account.
03/22/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85022	Web
Company named AFNI claims to work on behalf of XXXX and says that I owe over {$700.00} due to an accident that i was never involved in, in a vehicle i never owned, in a city I don't live or have ever visited. They say this so-called accident took place on XX/XX/2018 and I'm not sure how they have my personal information. I have already tried contacting XXXX directly and they are not aware of this company or the claim number that AFNI came up with. This company continues to send me letters of owing and calling my phone. I want it all to stop! I don't know of their legitimacy, but I have no involvement in this claim.
04/25/2018	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	WA 98258	Web
On XX/XX/XXXX I contacted AFNI who is a third party collection agency located in Illinois to settle a subrogation claim. Upon contacting them they failed to advise of the debt, charged me a fee in order to process my payment which is not legal in Washington state where I reside, and ran my debit card as a credit card which is against the CFPB regulations. They are refusing to provide any receipt that I paid my bill until five business days and when I called to resolve these issues I was at first placed on hold then transferred to a voicemail with no ID, then talked to abusively by XXXX in the compliance department.
11/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32962	Web	Servicemember
I have asked AFNI for validation of this debt with zero cooperation from the company. XXXX was NEVER installed service at my property. They refused to come and run a line from the pole without an additional {$70.00} charge and I refused the additional charge so the service never even started. The equipment was dropped off at the XXXX office at that time. I do not owe this debt. They are negatively affecting my credit rating and refuse to validate with a SIGNED contract or ANY proof whatsoever that I owe them anything. This has been going on for over a year and I want this immediately REMOVED from my credit report.
05/03/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 290XX	Web
On XXXX XXXX of XXXX Afni pl aced a debt on my credit report. The amount owed was for {$56.00} from an account that was supposedly opened on XXXX / XXXX / XXXX . That information is incorrect. The account was not open on that date and they are in fact trying to re-age an old debt. From my understanding, Afni is in violation of section 623 ( 5 ) A of the FCRA. When I contacted the company to advise them of this, they completely ignored my concerns and attempt to send me an old bill as their response. I am filing a complaint because this matters needs to be handled and off my credit report. Thank you
03/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 15216	Web
In XX/XX/XXXX-XX/XX/XXXX I had XXXX Cellular account. I had discrepancy with invoice. Account was closed ... XXXX sent to collections. The current collections company AFNI obtained this by purchasing the account from another debt collector. Afni did a re-aging of the account to continue to collect payment from me. Re-aging is illegal. I in good faith paid the small amount to resolve buy they are still casing problems with my credit report by reporting to all 3 bureaus. Due to the age of the account XXXX no longer holds any data. I want them to stop reporting to the 3 bureaus. They never had the authority to do so.
06/17/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	SC 29910	Web
I have asked AFNI to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
06/26/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NE 681XX	Web
Over 2 months ago I demanded validation of the debt that AFNI is attempting to collect. You have failed to respond to any of my requests for additional information to determine if this account is legitimate. As a previous victim of identity theft I am concerned about the origin of the account. Despite failing to provide the information to validate the debt you are still reporting the negative account information on my credit report. By failing to provide the information requested to validate the debt AND still reporting the information to the credit bureaus, you are in direct violation of the FCRA and the FDCPA.
04/04/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 19134	Web
XX/XX/2021 I received a letter from ANFI, Inc about a debt that was sold to them from XXXX XXXX XXXX XXXX XXXX XXXX For the amount of ( {$330.00} ). XX/XX/2021 i wrote ANFI, Inc a debt validation letter asking for a contract bearing my signature and how do i now owe them when i paid XXXX XXXX XXXX, XXXX a settlement amount of already {$400.00} and when i went to make my last payment they told me I had to wait to ANFI contact me regarding the debt now. Which i didnt understand so now ANFI responded with nothing but another bill. Why cant I get the contract bearing my signature on a debt they allegedly say i owe.
09/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NH 038XX	Web
This was an account with XXXX that I closed. I returned the phones to a private XXXX store and apparently the owner sold or did not return them. He is no longer in business. XXXX was notified and sent my account to collection knowing this owner did this to many customers. They sent my account to collection and I disputed it. It was closed and removed from my credit report. Two months later the collection was sold to another creditor for the same amount of money. I have disputed that months ago but no reply and its still sitting on my credit report. Im an identity theft victim and these accounts keep showing up.
01/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33511	Web
AFNI intentionally tried to lower my credit score. The third-party agency posted a negative mark on my credit report. First, my name on the bill is not correct, this account does not belong to this agency. They purchase debts from other businesses and claim I owe the money to them. They show proof of a telephone bill that can be obtained anywhere and I think by not validating the debt is a violation of the credit report fair act. I attempt to resolve this issue but they are refusing to comply. This agency is violating the act in many levels and I a demanding from they to delete this mark from my credit report.
01/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34957	Web
In XX/XX/XXXX a bill for {$600.00} from XXXX was sent to AFNI INC due to unpaid phone bills. The bills were in my name but but being used by a different person. This person fled continuing to use the phone and service. I have paid the collection service in hopes to have this resolved and the collection had been disputed. I received a credit reporting this month stating that this collection will remain on my record till XX/XX/XXXX and i am desperate to have this removed from my credit. I am not at fault and looking to resolve this as soon as i can. I was unaware that i was still being held accountable for this.
03/22/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	VT 056XX	Web
ACME, a 3rd party collection agency has apparently purchased debt collection from a debt I have with XXXX which I disputed and which they ( XXXX ) refused to dismiss and instead sold out for collection. ACME has called from the phone number ( XXXX ) XXXX multiple times. I have asked them to stop calling me and told them they are I have not authorized them, XXXX or any other prior debt collector who purchased this debt to contact me on my home or cell phones. Each time I tell them this they argue with me and they persist in calling even though I have told them that doing so is illegal and I would report them.
04/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	TN 380XX	Web
This is an XXXX XXXX XXXX XXXX account that I once had and cancelled the services because I was having problems with it. When I called to speak with a representative they informed me a return equipment box would be sent to me. I was also told that if I return all of the equipment back to XXXX XXXX XXXX that I would not owe anything on this account. The day that I received the box, I packaged up all of the XXXX equipment and returned the all of the equipment back to XXXX XXXX XXXX. When I had done this I called them to let them know it was sent back and the representative told me that I would not owe anything.
04/01/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 38141	Web
I have been dealing with AFNI in regards to XXXX for over a year. Every letter I have sent, I have asked for them to VALIDATE the debt. In my letters, I have also asked for them not to send any photocopies of a XXXX XXXX, I have continually have asked for AFNI to send any legal documentation stating I have any business dealings with them. All they ever do is constantly send over a copy of a XXXX bill. Even the XXXX bill doesn't mention the company AFNI on it. I just want LEGAL DOCUMENTATION stating I agreed to have any business dealings with AFNI!!!!!! I am tired of going back and forth with this company!!!!
11/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OK 735XX	Web	Servicemember
This company has been allowed to put false information on my credit report. I do not owe them a debt. Each time the debt is added to my report it is sold to another XXXX of these " companies '' and readers to my account. Each time with the same incorrect information. I do n't understand how it is legal for XXXX to allow this. Furthermore, this '' company '' has placed factually incorrect on my report. How exactly are they the original creditor? How exactly did they become responsible for the account on XXXX XXXX, XXXX, when my last credit report pulled was XXXX XXXX, XXXX and they were no where to be found.
11/11/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA XXXXX	Web	Older American, Servicemember
This company repeatedly calls me, from phone number, XXXX. I do not know if another company that I complained against, simply sold the unknown debt to XXXX XXXX XXXX. I want this company to stop calling and put in writing, who they represent and what they claim is owed. Also, if your agency contacts this company, I do n't want them to simply write a letter of appeasement and then sell the unknown debt to somebody else, to repeat the cycle. I was taught that I first need a letter in writing and have 30 days to dispute the validity of the debt, in California, before a debt collector can legally call me.
08/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29229	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
01/14/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 95834	Web
I do not agree with XXXX when they reported a bill delinquent on my credit reports. In an effort to get them to remove it I wrote them a letter and sent them a check requesting them to remove it from my credit reports with XXXX, XXXX & XXXX. In the letter it also says if you cash this check the account is now paid in full and you agree with the terms of the letter and they have 15 days to remove the account from the three credit bureaus. They removed the account and then resubmitted to the credit bureaus. They need to correct this immediately. As of XX/XX/2017 they cashed the check that was sent to them.
08/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33176	Web
I was a customer of XXXX and cancelled service in XXXX 2016. I was told by the representative that i would not be charged a early termination fee because they could not get the system to work properly after XXXX attempts. They tried to run my credit card that was on file for XX/XX/XXXX and late termination fee. I disputed the charge and now they are reporting false information to credit reporting agencies which is affecting my credit status.I have spoken to XXXX and they are saying that they do n't show any collection for me. I explained to them it is on my credit report and this is falling on deaf ears.
08/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 292XX	Web	Servicemember
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
08/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27105	Web
I called this company after checking my credit to see what the debt was about and They told me it was from a time when I was on my sisters phone plan. The amount is for XXXX, but I never owed them any money and my sister claims that they worked out the debt on her end. I explained to them that it wasn't my debt as I was never attached as an authorized user and I never involved my social on the account. They said they would send me a packet to verify the information but they never did. Around XX/XX/XXXX they dropped the debt from my credit score, but then on XX/XX/XXXX, they reapplied back to my account.
12/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	KS 66062	Web
AFNI has put on my credit bureau for XXXX XXXX XXXX XXXX about owing {$450.00} which was settled XX/XX/XXXX and proof of this was sent to XXXX XXXX XXXX but it hit my credit report from this company as if it was done just XX/XX/XXXX. Which is not true. Also this company has called and left automated messages that have left my account number on my family 's answering machines with no company name or phone number to call back. no phone number comes up on caller id either. I have pulled my CBR and it shows that this company is not even reporting. I have placed disputes on my credit bureau for this company.
12/18/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30058	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN - XXXX AFNI Collections XXXX XXXX XXXX XXXX, Il XXXX Account # XXXX I would like to file a complaint because AFNI collections added this account ( XXXX ) to my credit report without notifying me in writing or any other form of communication. They claim I owe {$980.00} which I have requested information on how I owe this amount and the dates to which they say I owe. I have not received any information about how I owe this amount and for which dates they say I owe. I did not apply for credit nor receive credit from this provider on the dates on my credit report.
04/06/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76014	Web
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.
11/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60803	Web
There is a collection account shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case AFNI is attempting to collect as XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
10/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 70605	Web
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
05/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30223	Web
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
06/19/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	NH 038XX	Web
AFNI has been harassing me for years at not only my home but my FORMER EMPLOYEE as well. I have disputed the bill several times because of the fact I was not suppose to be responsible for the debt as it was an agreement with my former employer that he would pay the past due balance of {$890.00} which was accrued as a result of WORK. Despite me calling and sending the info in they are continuing to harass me and Ive not only asked them to stop but Ive changed my number only for them to call my former employer ( the one who agreed to pay that bill originally as it wasnt mine, but is refusing too now )
05/12/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 60616	Web
I have asked AFNI Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
05/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	LA 70124	Web
Regarding a collection notice from a company called Afni , Inc.I received a collection letter in the mail for payment on an account ( XXXX ) that I never had. I called the number and they asked for personal information that I did not give them. They provided an address and email that I did not recognize. They mailed me a package to complete an ID THEFT AFFIDAVIT and asked me to mail it back. After researching their company online I noticed many fraudulent collection complaints. I am now providing all the information to stop them from phishing for personal information and file an official complaint.
01/11/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	OR 97013	Web
I received a letter in the mail stating I owed {$5100.00} for a loss that occurred on XXXX/XXXX/15. The letter is from Afni Subrogation Department and states it is on behalf of XXXX. It states the insured 's name ( which is not mine ). Enclosed is a payment coupon as well as a form to fill out my insurance information. They also list all of the consequences of not responding to this collection. I do not know who this insured person is, nor was there any incidence that involved me on the above date, or any date for that matter. I have never been involved in any matter with XXXX. This is not my debt.
09/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 36608	Web
I pulled my credit report and was shocked to find a fraudulent account. I reported and disputed it as identity theft. The so called account was for an address in a town and state i have never lived and was for cable service. Further investigation revealed it was XXXX XXXX and AFNI was trying to collect. I never received any notifucation of this so called debt from either XXXX nor AFNI but theyve been illegally report8ng it negatively hurting my credit. I contacted both and notified it was not mine and fraud. Likewise i reported it to all three bureaus as fraud. However, all returned it as verified
04/12/2019	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web
I have a accident on XXXX XX/XX/2019, and its small accident and we both parked the cars and called the police and filed the case ( report XXXX XXXX in XXXX, Arkansas. Since i dont have the insurance for at that time. i have pay myself, The insurance company of the other guy is XXXX. After 3months on XX/XX/2019 i got a call from Afni collections and they say that i have to pay XXXX XXXX When i called the XXXX about it they said the its XXXX $ .When i asked it about the claim they said that they have selled it to the Afni collections and i have to speak with them. thay cant to anything about it.
08/23/2017	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	SC 294XX	Web	Servicemember
AFNI rep XXXX stated that once I made a payment over the phone with a XXXX or XXXX that AFNI would send me a letter stating that my account with XXXX would be removed from my credit report. He stated the letter would have the AFNI company logo and letter head. This conversation took place on Wednesday, XXXX XXXX at XXXX EST. The AFNI website clearly states that after I pay my debt, the account will not be removed from my credit report. This can be found at the following URL https : //www.afnicollections.comXXXX He then continued to insist that I give him a credit card to " start the process ''.
05/03/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48180	Web
it is a XXXX bill that I d ropped off the equipment years ago to their office the lady said her computer was down could provide a receipt and now I am getting collection calls from this company of which I gave XXXX a one month notice that I was canceling my services and now my credit score is d amamged because of this fake bill and collections threats from afni collection company docket number # XXXX please help and have them remove the fake collections on personal info, it is unfair to the consumer these people are allowed to do this without any documentation from XXXX ..cable company
03/30/2017	Yes	Credit reporting	Incorrect information on credit report Account status	FL 33414	Web
Most of these debts is paid in full and should n't be reporting only credit report for over a year but they are still reporting on my credit report no matter how many times I have disputed it it comes back as validate knowing that these debt are paid in full specially XXXX that I just made a payment of {$500.00}. Please look into this matter it is affecting my credit score and my personal and business life. The XXXX bill was paid in full. These collections items were not removed even if they did n't provide proof that it was validate. How would u guys validate a debt that you guys have no no proof
09/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 11225	Web
About three weeks ago I received a letter dated XX/XX/XXXX from AFNI debt collection. Demanding payment to XXXX. This debt had been settled through XXXX XXXX XX/XX/XXXX.So I call AFNI at XX/XX/XXXX on XX/XX/XXXX and spoke with XXXX. He said he did not want to hear anything 'just get out you credit card and pay '. He refused to give me he last name. After XXXX settled this debt, XXXX XXXX XXXX XXXX XXXX Demanded payment on the same debt on XXXX. I brought the matter to your attention. And XXXX XXXX, XXXX investigated and apologized. Now here comes AFNI to collect on the same debt. Please help me.
06/04/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27511	Web
AFNI is reporting that I have a {$2900.00} collection balance with their agency. I have told them repeatedly that this is not my debt, and they have made a mistake. Furthermore, I have asked them to forward me a verification of the debt, if they had anything to prove that this belonged to me. I have made several requests for this verification of debt over the last 6 months, but I have not received anything back from AFNI. AFNI does not supply a verification of debt, despite numerous requests. Yet they continue to report their mistake on my credit report. In doing so, they are violating my rights.
12/12/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 180XX	Web
I received a collections account mark on my credit report by a company XXXX XXXX XXXX They claimed that I owed a debt by XXXX from years ago. I did not owe this debt. I filed a complaint to have it removed from my credit report. It was removed, about a week after it was removed another company by the name of AFNI is now trying to collect on the same exact debt that I had just disputed. I do not owe this money and I 'm not sure why its allowed to be transferred when I already proved it was not mine. I would like it removed from my credit report and I want this company to stop trying to collect.
05/08/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	SC 29910	Web
I have asked AFNI to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
04/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32828	Web	Servicemember
AFNI is continuing to report to the credit reporting agencies a debt that did not belong to me. 2 years ago they sent me a settlement offer for a debt which I did not recognize. It was a small amount so I paid it to avoid further collection activity. Since that time, I have requested several times from them proof that the debt was actually mine and they have ignored my requests each and every time. The name on the debt does not match mine and it is for an address at which I have never lived. Despite my disputing the debt, they continue to report this debt as settled on my Experian credit report.
09/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MA 02125	Web
On ( XXXX, XXXX XXXX XXXX XXXX add a derogatory mark on my credit report per XXXX XXXX. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
07/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 152XX	Web
I called the company and told them the debt isnt mine and I disputed it. This debt was removed and then put back on my credit in order to drop my score in which the did by 30 points. They then begin to report it to the credit bureau as if I was on a payment plan stating that I missed my first payment updating my report every two weeks. I stayed to them that its against law to put a collection on and off ones report in order to damage their credit and I also to them that they are falsifying information as if they is a new account and reporting missed payments as if I made payment arrangements.
03/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	XXXXX	Web
On XX/XX/XXXX I requested a copy of my credit report and I noticed I had a collection account being reported by AFNI , Inc. in the amount of {$660.00} previously owned by XXXX XXXX XXXX which does not belong to me. I wrote several letters and XXXX now reports that this account is mine. I was in a XXXX XXXX in USA since XX/XX/XXXXand there is no way this account belongs to me. This has affected me adversely since I am trying to clear this matter and it still continues to report on my credit report. I wrote to AFNI, Inc and XXXX including evidence that I was incarcerated during these periods.
04/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	CA 95206	Web
On XX/XX/2014, I contacted the Consumer Financial Protection Bureau and filed a complaint against XXXX because they placed a fraudulent account on my credit from XXXX in the amount of {$780.00} without contacting me. Case Number XXXX. I discovered on my birthday XX/XX/XXXX that a company by the name of AFNI , INC has now placed the same exact account on my credit 3 years later also without notifying me first to validate the debt!!! I am a victim of Identity Theft and i have a police report on record and i am requesting the account be removed immediately!!! AFNI Account Number XXXX XXXX
04/28/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30012	Web
I sent this company a paid to delete letter, I spoke with rep in which I recorded his voice conversation and he stated they also recorded my conversation in his conversation he stated I can take advantage of a settlement offer of XXXX the original amount was XXXX. I sent the attach letter in which they agreed to. and it will be deleted his exact words AFNI WILL REQUEST FILE TO BE REMOVED ONCE PAID I have followed all instructions now my credit report per XXXX is stating settled paid less than half amount I will file a lawsuit against this company for false representation of company policy.
01/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77044	Web
AFNI has reported a collection account to my consumer credit file in the amount of {$430.00}. I do not owe this alleged debt. If AFNI has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that AFNI is attempting to collect. AFNI has no legal right to attempt to collect a debt. AFNI has not validated this debt nor sent me a notice of collection. AFNI is in violation of the FCRA and the FCDPA.
05/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30328	Web
I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since XXXX continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX Solutions. Along with a plethora of fraudulent credit inquiries.
03/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 062XX	Web	Servicemember
XXXX is trying to collect on a fraudulently manufactured debt by XXXX. I got a call from XXXX and the representative who identified herself as XXXX said that if I did not pay them {$4500.00} right away that they would call my vendors and report me to credit bureaus and ruin my credit. The worker from XXXX said that they had an account number XXXX and that if I didn't pay {$4500.00} by wire today that I would then owe {$20000.00} and that they know I will pay because I am in XXXX XXXX and my credit is priceless to me. I have no debts with XXXX and this is an extortion and collection scam.
04/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76708	Web
Due to my choices on what happened is not on your list choices. I have to submit this in my own words. First I sent a creditors validation letter to AFNI, Inc and never responded back to me accordingly to the FDCPA Law. Which requires them to respond back in thirty days. So, they should be removed from. My credit report as of this month is month. I had my personal consumer investigator contact them about the removal of the collection and he also found out they are not registered by the State of Texas. That is a violation and they don't have the right to collect debt in the State of Texas.
05/21/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37212	Web
I do n't owe any money on the account that a company called AFNI is saying I owe. My XXXX XXXX XXXX account has been closed for a couple years, I paid all my bills on time. I can still login into XXXX XXXX XXXX and it shows noting that I owe! If I call them they say the same thing! There is no bill I owe and I 've never got a bill or communication from XXXX XXXX XXXX about any debt, ever! So I have no idea where this is coming from other that this is highly suspect and a scam. It 's bad enough this is wasting my time, but if it 's impacting my credit they need to fix that immediately..
01/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL XXXXX	Web
XXXX XXXX XXXX account # XXXX with a balance of {$1100.00} is a fraudulent charge made with identity theft. I have submitted ( to XXXX XXXX XXXX ) a copy of my " Identity Theft Victim 's Complaint and Affidavit '', police report. This charge was first made aware to me by XXXX XXXX. The charge originated in XXXX, TX. I have never been to XXXX, TX. The perpetrator is using an address and email that are not mine. XXXX XXXX, my identity theft protection service and I thought the matter had been resolved, but XXXX XXXX XXXX has twice since moved the charge to a different collection agency..
08/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 021XX	Web
I have received calls at least 2-3 times a week from XXXX ( which is a collection agency ) on my company phone. I have called them twice and they always tell me I'm not in their system, I don't owe them anything, and they don't know why I keep getting the calls, except for that it might be in another system that they don't have any control over. They have cross referenced my company desk phone, which forwards to my cell phone and that number is not in their system either. The calls have become more frequent and are starting to interfere with me conducting business on my company phone.
08/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 77062	Web
AFNI, INC. contacted me about an XXXX account. I was told that if I paid the account it would be removed from my credit. After, I paid AFNI , INC, I was told that they do not remove the accounts from my credit. The AFNI reps lied to me on multiple occasions about deleting the account before I paid them. After I paid the AFNI rep told me that the account would not be deleted and that there was nothing that I could do about it. I reminded her of what she said before I paid and she hung up on me. When I call back everyone that I talk to at AFNI now says that account will not be deleted.
03/20/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 46123	Web
I had cancelled my XXXX service. I was told my XXXX that I had 90 days to pay remainder of the bill. Two weeks later it was forwarded to Afni collection agency. They have been harassing me with phone calls. I've never received anything in the mail pertaining to the debt and when they called, I had no idea that I could dispute the amount with them. In fact, I was told that I couldn't dispute. I received a phone call today and the man I spoke to was very rude and called me an XXXX for not knowing I could dispute the debt and he then told me I was lying about not receiving any letters.
06/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CT 060XX	Web	Older American
collection agency -afni -amount XXXX -this goes back to 2015 -the company is XXXX -i cancelled them in XXXX 2015 -owing them nothing -in XXXX 2015 i recieved a letter stating, that they terminating my service due to none payment -this the XXXX collection agency -all i wanted is an itemized biil -which no one can prvide me -if they did and i felt i owe this, id have pad this by know -but instead they chose to report me to the credit reporting agencies - this time its XXXX - maybe you can forward tis to themm, and advise of further actions i can take against afni - thank you XXXX XXXX
12/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48089	Web
XXXX collection agency sent me a letter received XX/XX/18 in response to a validation of debt letter. The company was unable to validate the debt but stated in the letter they will no longer respond to my requests. There is no attached contract or validating documents to support this debt being mine or that I owe it. I sent a validation request the first week of XXXX and their response is XXXX will now cease further communication with you regarding the account. Due to my rights as a consumer being violated this debt needs to cease reporting to the Credit Repair Bureaus all three.
07/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78702	Web
I had a contract with XXXX XXXX XXXX in 2013 for myself and my daughter. My contract was up with XXXX XXXX XXXX and I told them to cancel this specific line. This was an extra phone line that I had for my daughter that she rarely used at the time. I finished out my contract and told them to cancel. They never cancelled. now this debt is with a debt collector. This debt is not mine, and should not be on my credit report. I gave them sufficient notice of cancellation, and followed the procedure they requested of me. this money is not owed, and should not be with a collection company.
01/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75227	Web
AFNI Inc was sent a validation request under the Texas XXXX, but failed to provide the required information as required within a thirty day time period. AFNI also reported the account as dispute. It is collection agencies responsibility to cease reporting an account until proper validation requirements are met. AFNI has continued to report this account to the Credit Reporting Agencies but has not provided proper validation of the debt. Texas law provides that this account, not being properly validated within the stated timeframe should be permanently deleted from my credit reports.
09/12/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 92841	Web	Older American, Servicemember
we ordered XXXX. in XXXX of XXXX our roomate signed this little XXXX box without my authorization. ( were told anybody over XXXX could sign ) this was a XXXX XXXX credit card. i canceled the order within three days. and returned their equipment. i notified XXXX of the situation and they did an investagation and gave us our money back. XXXX is still trying to charge us ov er XXXX for an illigal usage of the card and i reported the fact that we didnt wish to use their services. i want this to be taken off our credit report and they needto stop sendfing me bills.XXXX agreed with me.
11/17/2015	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	TX 77033	Web
Someone has claimed that I rear ended them. But I was not in an accident o, the day they said it happen. Also there is no front end damage done to, my vehicle. There is no police report or any report at all. They supposedly only have a photo of my drivers license. Which anyone could have, as I am a XXXX and work in major company 's buildings. We also have proof that my car has no front end damage done to it. Also this car was hit by a drunk driver over a month ago, and was declared a total loss. So again there is no proof of any wreck. And we want this issue resolved. Thank you
11/15/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 44109	Web
AFNI is attempting an alleged debt that I have No Knowledge of and I never received a written notice regarding this debt. Pursuant to the FCRA the FDCPA and the XXXX as a consumer I feel that my rights were violated because this agency place this derogatory information on my report without due process. The alleged amount is : $ XXXXThe Original Creditor is : XXXX As a consumer I should have been given the right pursuant to federal law to receive notice of this matter and the right to request validation of this debt. This never happened and this firm is in violation of the law
01/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL XXXXX	Web	Servicemember
XX/XX/XXXX this debt was reissued 3 different times to my credit report AFTER it had been deleted by using another company name and reason for collection. It also has been split into two collection agencies STARTED AS XXXX XXXX XXXX in XXXX, then AFI in XXXX, then as another XXXX in XXXX. This is NOT my debt. I NEVER missed a payment with XXXX XXXX XXXX and had a combined billing with tv, home phone, internet and cellular service. Ive tried for two years to get whatever this is removed from my report and it been reinvestigated over and over and over successful then reapplied.
01/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94605	Web
This Company is engaged in unscrupulous practices by attempting to cheat the Fair Credit Reporting Act allowable time to collect a bad debt by engaging in re-ageing the account in question. I opened an account in XX/XX/XXXX and decided to break the contract because of unfair billing. The account was then charged off and place on my credit I monitored my credit report and noticed that it was put back on my credit as being opened in XX/XX/XXXX in direct violation of current credit reporting laws. I contacted the collection agency to no avail. So I would like to file a complaint.
11/15/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90606	Web
Afni INC is reporting on my XXXX credit report as a collection account. I sent a debt validation letter to this company on XX/XX/2020 and have not received any response to my request to show me documentation that validates the debt. They received the certified mail request on XXXX/XXXX at XXXX. It has now been 46 days and no response has been received. They are defaming my character and hindering me from certain things because they are falsely accusing me of owing a debt I DO NOT owe them Their mailing address listed on my report is AFNI INC XXXX XXXX XXXXXXXX XXXX IL XXXX
09/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95122	Web
AFNI is erroneously reporting a collection from XXXX whom I never had business with .... I contacted AFNI on multiple occasions for 5 months now who keeps telling me they can not find this account in their system, NOT by my social, NOT by my address, NOT by account #, and NOT by address. Advised me to contact XXXX again and again XXXX came back stating this account was validated byt AFNI and it is still on my report .... why is it ok for AFNI to damage my credit and how they can validate this to the bureau but can not provide me the consumer with details of the account ....
05/26/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34758	Web
Problem is that, I 'm trying to get a loan with my bank. But cause there was a bad comment, though the account is close, with AFNI. ( a debt collector fo r XXXX XXXX ) I 've been declined. I try calling XXXX to resloved, they claim my account is no longer in the system. I try with AFNI but they cut me o ff n sa y they done everything in their book to clear it, despite that I was willing to help Fix 's this matter. I even try to dispute. But AFNI w as able to alter my dispute on removing the comment place in my credit report. I want the whole account deleted and removed
05/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60005	Web
XXXX erroneously charged me an amount after instructing me NOT to pay it. They then sent the debt to a collection agency. I have a chat transcript with XXXX instructing me not to pay the amount. I opened a dispute with AFNI ( the collection agency XXXX and provided documentation. I have paid this amount in full to avoid credit complications and await a refund from the collection agency. In the meantime, this error is now damaging my credit. This is the result of XXXX 's error and I need it removed from my credit. I'd also like a refund from XXXX or the collection agency.
06/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 79930	Web
XXXX sold my debt to AFNI. I asked Afni to pay to delete and they said XXXX would have to. I asked XXXX and got thee ok. Did the payment through AFNI like advised. They will not update credit report. I paid off debt on XX/XX/XXXX in full on XX/XX/2020. I had asked about a pay to delete and asked for it in writing, have not received, i asked then to update the balance on the credit report, and instead of charge off a t least to report it as paid. They have kept it the same with the old balance. I disputed through XXXX and it still remains as is even though I provided proof.
01/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AZ 85008	Web	Servicemember
My husbands parents in a different state received a collection notice for {$110.00} for him from AFNI, Inc. The problem is, our account from our internet provider ( for which the collection notice is referring to ) is paid and in good standing. I called our internet provider and they said our account is fine. The collection notice had the wrong P.O. Box, the wrong phone number, and the wrong last four digits of the zip code-they were all different from the information on the real collection agencies website. This is a huge issue and an attempt to steal my husbands identity.
02/08/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	WA 986XX	Web
In XXXX of XXXX I received a letter from Afni a debt collector stating that I owed a a balance of XXXX on an account from XXXX dated XXXX/XXXX/XXXX. I requested more information about this alleged account as it is not mine and was not authorized by me. I also have had fraud alert placed on my credit reports for Identity Theft that took place in XXXX and subsequent accounts being made in my name that were a result of this Identity Theft. On XXXX XXXX I received a letter from Afni with a bill attached for this account # XXXX stating that this bill was an account validation.
06/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	MI 48197	Web
I 'm not sure what this debt is I know it 's from XXXX XXXX XXXX I had a cellphone with them. I 'm not sure what this debit is for and why it is collections and the first place and it has been in collection for 3 years I do n't think the amount is correct or Accurate. I think I am being over charged for aw service I never used I want proof and how it is this amount. Where is my signature at? Did I agree to this where the terms and fees accepted and explained to me correctly because I do n't think they were and I think I 'm being over charged for a service I never used.
12/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30120	Web
on XX/XX/XXXX I attempted to call Afni debt collection dept to resolve this {$380.00} collections acct showing on my credit report. It was originally an XXXX XXXX XXXX XXXX but XXXX already paying off XXXX utility bill with XXXX XXXX XXXX so I shouldn't have XXXX bills. Since then, I moved out the apartment and cancelled with XXXX XXXX XXXX back in XX/XX/XXXX. So, I called Afni at XXXX and spoke with a rep but was told I didn't have any collection account with them. I would like it removed from my credit report. This has caused great stress to my financial situation.
11/29/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32117	Web
I have disputed this account numerous times. I 've never owned an account with Afni Inc . I have contacted each credit bureau of which this company has reported a debt under my name. The company can not verify any account under my name with them. As a result, I have been penalized with higher than usual apr rates for credit I have been approved for on loans and other lines of credit. I have also been denied credit when needed and housing twice, or charged larger deposits. It is unethical and illegal to try to falsely collect a debt that does n't belong to someone.
02/11/2017	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	PA 19119	Web
I was never contacted by mail or telephone from this collection agency and they have no right to put something on my report causing my score to drop. I have sent 2 certified letters to validate date and received a return receipt from both stating that they were received the validation letters. However, I have not received anything else from them and they still continue to report a negative account/collection or my credit report. This is prohibiting me from obtaining credit as well as well take the necessary steps to obtain secure stable housing for me and my children.
11/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94541	Web
XXXX agent miss represent there service and payment fees for services and phones I bought. they stated one thing and I was charged another more money. I took XXXX to court and sued them and won. I owe them nothing and XXXX ended owing me money. Since then they keep trying to collect the money from me. they have different collection company 's try to collect money from me. each time I send them a judgment I owe XXXX nothing. That collection company will stop then another collection company will contact me. this is the fourth collection company that has harassed me now.
01/06/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29210	Web
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
11/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30078	Web
Wife filed for divorce. I moved out of the residence in XXXX of 2018. Wife kept XXXX account at that residence until late XXXX and then convinced XXXX to open a new account for her at the same house address. When the account was cancelled, they charged a {$280.00} XXXX year cancellation fee to myself even though I didn't live in the house and I didn't cancel the comcast account or contract. I should haven't been charged this fee. It has moved to multiple collections agents, always lowering my credit score with new dings every several months. This charge isn't mine.
03/26/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33446	Web	Older American
XXXX / XXXX / Now AFNI : I never received a Collection Notice from either of these Agencies.. I had disputed this issue with XXXX, XXXX Deleted from my report back in XX/XX/XXXX. Now recently AFNI reported this to XXXX and has it on my report, causing it to reduce my Credit Score. This is Not Mine, I am totally unaware of where this came from. I 've had XXXX as my Cell Phone provider since the XXXX 's, Never had issues with them. Always Paid my bill and keeping my account up to date. Why would XXXX keep me as a Customer, owing an outstanding debt for over two years?
09/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MA 02043	Web
AFNI sent a letter claiming that an XXXX account that I closed over two years ago still owed {$130.00}. I called and explained that a couple of months after I closed said account in XX/XX/2019 I received a bill from XXXX for about {$470.00} ( XX/XX/2019, see enclosed print screen ), which I paid in full and have not heard back from them since. I am using the same number as I had when I was an XXXX client and they have never reached out to me until now, this so called AFNI. I asked for evidence and the person taking the call didn't have any. This has to be a scam.
09/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WA 98422	Web
After cancelling our XXXX service I continued to receive bills from the company to which I responded by calling the company numerous times. Each time it seemed like the issue was settled and that I did not owe a balance. I stopped relieving the bills which I took as the issue being settled until I saw the amount in collections. I never received a bill or phone call about this balance. The balance should have never existed as I had cancelled our service with XXXX long before this. Since it was in collections I had gotten it taken off but now it is back on my credit.
01/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 787XX	Web
ANFI, a third party debt collector has placed an account for collection on my credit report. They claim that the original creditor was XXXX XXXX XXXX. The amount of the debt is reported to be {$550.00}. I have contacted them but have yet to be given any record of where the debt is coming from. I am and have been a customer of XXXX XXXX XXXX since about 2003 and to my knowledge do not owe them for any outstanding balance. I would like to receive a copy of an invoice, statement or bill showing me as the original debtor and some indication as to what the bill was for.
05/05/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NJ 08831	Web
As a ( natural person ) federally protected consumer, I XXXX XXXX never enter any consumer credit transaction with AFNI INC for them to have obtain my personal information. With AFNI INC obtaining my personal information without my consent they are in fact in violation of 15 USC 1692 for infringement upon my consumer 's right to privacy and they have also committed fraud and identity thief for purchasing my personal information. AFNI INC also in violation of 15 USC 1692j for furnishing deceptive form making it seem like I owe this allege debt when in fact I don't.
10/04/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30294	Web
As a ( natural person ) federally protected consumer, I XXXX XXXX never enter any consumer credit transaction with AFNI INC for them to have obtain my personal information. With AFNI INC obtaining my personal information without my consent they are in fact in violation of 15 USC 1692 for infringement upon my consumer 's right to privacy and they have also committed fraud and identity thief for purchasing my personal information. AFNI INC also in violation of 15 USC 1692j for furnishing deceptive form making it seem like I owe this allege debt when in fact I don't.
03/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30168	Web
On XX/XX/2019, AFNI added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, AFNI has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
06/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 782XX	Web
XXXX XXXX is sending/ selling a debt that I do not owe. This collection company did not contact me before placing this debt on my credit reports. I have proof that I do not owe this debt since XXXX XXXX sent me a refund check in the amount of {$93.00} to my current address. This collection company failed the process this attempt to retrieve this debt without notifying me and the collection agency can not say it did not have my current info if the company they purchased the assumed " debt '' had my current address and sent a refund check in the amount listed above.
02/17/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95822	Web
Afni , Inc . Ref. # XXXX To whom it may concern : The reason I am writing to you is because I do not agree with the outstanding balance that XXXX says XXXX owe. I canceled the service on XX/XX/2021, and returned all the devices I had. I received an account statement saying that I owed service from XX/XX/XXXX to XX/XX/2021, that is false. How will I have service in that statement period if I cancel the service on XX/XX/XXXX. I don't owe XXXX anything and I have the right to demand that I be removed from the collections department. Thank you. XXXX XXXX XXXX XXXX
01/11/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75081	Web
My name is XXXX XXXX last four of my SSN are XXXX. Date of birth is XX/XX/XXXX Address is XXXX XXXX XXXX XXXX tx XXXX. I have requested verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ). This company refuses to provide and continues to report a disputed debt on my credit report which is a direct violation of the FCRA. They are also no bonded to collect my state. I will be consulting with an attorney to seek actual and statutory damages against this company for violating my rights. I demanded proof that this debt is mine.
08/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06040	Web
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX CARD Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
03/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75025	Web
I reviewed my credit report, and notice that AFNI was reporting a collection account that did not belong to me. I initially reach out to AFNI requesting this account be removed or proof that this account belongs to me. Instead AFNI sent me a computer print out with someone else name on the documents. I later followed up with two more letters requesting this alleged debt be removed from my credit report or proof that it belong to me. I have not received any documents showing this debt belong to me and the collection account is still reporting on my credit report.
03/31/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 770XX	Web
I informed this collection company to stop contacting me because I did not owe them a debt. I have never authorized them to contact me or signed anything that I owed them a debt. What they did was contact me at home continuously and interrupt our business operations with repeated calls demanding that someone speak to them. At this point I have informed them to stop calling but the continue. Moreover, I have never given them my personal information of which they are in possession of. They are fully aware that they are violating Federal laws but they do not care!
09/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 902XX	Web	Servicemember
I became aware of the debt when I received a message from the credit bureaus that I subscribe to, XXXX XXXX XXXX XXXX, showing a new derogatory item was placed on my report. I immediately reviewed for accuracy and confirmed this is not my debt. I sent a letter via certified USPS mail to Afni, Inc on XX/XX/2020. I have confirmation of delivery. To date I have not received a response as to an explanation of this debt that they claim I owe. Today I am mailing yet a second letter as a follow up to my first letter in the event I receive a response or a resolution.
01/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA XXXXX	Web	Older American, Servicemember
XXXX equipment was returned prior to my being contacted by collector. Collector was informed that I had received a confirmation of equipment having been returned, whereupon he hung up on me. Meanwhile satellite provider began to bill me for service that was cancelled several months before. My new satellite provider had disconnected the equipment that was returned when my old service was discontinued. But, old provider did not send the boxes for return of their equipment for several months! XXXX was paid for all service I was provided and nothing is due to them.
08/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48111	Web
There are two collections on my XXXX credit report that does not belong to me. I never knew of these collections until I turned XXXX. My father name is XXXX XXXX XXXX his social security number is XXXX, birth date XXXX He lives at XXXX XXXX XXXX MI, he used his middle and last name, his address, with my social security with a fake year of birth to open these accounts. I had no knowledge of these two accounts on my XXXX credit report. AFNI, INC XXXX / XXXX. 2. XXXX XXXX XXXX XXXXXXXX date opened XXXXXXXX XXXX I need these accounts removed from my credit report.
03/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TN 37075	Web
I have been contacting XXXX, XXXX, & XXXX for over a year to have them remove the " open '' collections that clearly states it was discharged thru my bankruptcy. XXXX has since removed these from my credit. However XXXX and XXXX has then reporting as " open '' not only that I am showing XXXX collections for the same debt that was discharged. I 've made several attempts to have these removed from showing open collections with no results, except from XXXX. I understand these are in my bankruptcy, however they are not " OPEN ''. I have been discharged from these.
11/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95610	Web
This is an attempt to collect a debt regarding a vehicle accident. I did not own the vehicle in question nor was I the driver of the vehicle. Afni Collections stated they were contracted with XXXX XXXX to pursue the claim. Upon contacting XXXX XXXX, they have no contract with AFNI Collections nor do they show any debt relating to my name, address, or Drivers License number. I contacted my personal vehicle insurance company of 12 years and was told that we do not have any claim with XXXXXX/XX/XXXX, now or in the past. XXXX XXXX suggested filing this complaint.
05/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 708XX	Web	Servicemember
I have a closed account with XXXX XXXX that was closed in XX/XX/XXXX. The collection agency AFNI is reporting on my credit report that the Account was opened in XX/XX/XXXX. This is false information. This account was in collections before XX/XX/XXXX. I do not have an account with AFNI and feel that if they are going to buy accounts that the correct dates should be reported. This needs to be removed because I do not even owe AFNI. These companies are reporting inaccurate information, which is in turn affecting my credit score which affects my way of living.
08/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 445XX	Web
AFNI Inc is reporting a collection account as TYPE = OPENThis makes it appear as a open tradeline artificially dragging my credit score down. Collection agencies are only allowed to report as TYPE = COLLECTIONThis has been going on for years and I have disputed it several times. The data is accurate on my XXXX and XXXX reports. This complaint is against AFNI and XXXX Today XXXX employee XXXX employee # XXXX told me that the collection agency has the option to report this and even if inaccurate they can not do anything about it, and would not file a dispute.
08/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 93550	Web
I had phone services with XXXX XXXX for about ten years and decided to switch providers in XX/XX/2022 to XXXX XXXX paid off the remaining balance on XXXX of my devices. i am now getting collections letter from XXXX stating that i owe them {$1100.00} for nonpayment when they agreed to port all my lines over from XXXX to XXXX. I kept the same numbers as i had with XXXX. the only way they would allow me to do that was to pay off my last bill, which i did, and were able to keep my phones and numbers. Now they are trying to charge something that was already paid.
08/12/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 38125	Web
On XXXX XXXX I received a phone call from AFINI stating it was an attempt to collect a debt. I asked the rep to send me a letter and proof of said debt. 2 weeks later I received a bill from AFNI by way of XXXX. The bill was not enough to verify the account. I have asked for verification but never received anything other than a bill. This account is now on all three of my credit reports and I was not given the opportunity to verify. The alleged debt is for the amount of {$530.00}. The collection company is also not license to collect in the state of TN.
06/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70117	Web
I contacted all 3 credit bureaus about the inaccuracy on my credit report months ago. As of today, the following information remains on my report. I have a statement on my credit report about several family members with the same or similar name in spelling. The accounts and amounts are listed below. : Afni XXXX XXXX XXXX XXXX XXXX, Il XXXX Opened XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please help me these accounts do not belong to me.
05/22/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27103	Web
On XXXX XXXX 2017 I faxed a letter requesting validation of debt under my name and social security number, bearing a contract signed by myself in agreement to pay the debt owed. I received a letter from said collection agency stating they have validated the debt using a past due bill. I have no contract, no dealings, with the collection agency. The bill is not proof of contract to show that I entered into any obligation with the company and I have proof that I was not associated with the address listed on the bill sent as proof of " validation ''.
06/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89119	Web	Servicemember
Company : AFNI Fraudulent credit reporting. On XX/XX/2020, I received notifications from XXXX and XXXX that my score dropped 43 points, and a brand new debt of {$140.00} for " XXXX XXXX XXXX XXXX XXXX' had been fraudulently created. The notification indicated that the dates of collection were from XX/XX/2020, to XX/XX/2020. These dates happen to match the exact same dates being reported by other complainants. These accounts were never created by myself. The charge for {$140.00} is fraudulent, and the credit score impact is unwarranted and unacceptable.
06/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OK 74008	Web
Account Name AFNI, INC. Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$250.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX This is not my debt. I have asked numerous times for the debt to be validated with my signature or any legal way. The other Credit Reporting agencies removed it, but XXXX and some others wont. I have no idea what this company is or what the debt is, And I want it removed immediately. They had 30 days to show proof of debt of ANY KIND, and never did.
07/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	OK 73160	Web
I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I returned my equipment from XXXX when I closed my account and the company send my account to collection agency.
05/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30214	Web
I made several attempts to contact AFNI Collections through correspondence of mail asking to validate the debt. No response was ever received from AFNI. On XXXX XXXX I sent an email asking for it to be deleted. Two days later I received an email from AFNI saying they were no longer handling the account and will submit a request to the credit bureaus to have item deleted. Here it is no deletion has taken place on my credit files. I called the credit bureaus on XXXX XXXX and were told nothing had been submitted electronically asking them to delete the item.
07/02/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28025	Web
XXXX XXXX XXXX XXXX was a cable company that I had while I lived in XXXX California. I terminated my contract with them and went with an alternate company. XXXX XXXX XXXX XXXX continued with service and did not stop the service as I requested. They billed me for that service afterMy request. I was assured that this bill would be corrected when I addressed it with XXXX XXXX XXXX XXXX. They are now sending me to collections several years later for their billing error. This collection is adversely affecting my credit. My credit rating is perfect otherwise.
05/06/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IL 60189	Web	Older American
To whom it may concerm, my accounts was late due to the fact of my husband died back in XX/XX/XXXX so I fell behind on all my bills, try to keep up and then I lost my job so thing get every harder. XXXX XXXX amount XXXX, open inXX/XX/XXXX, 0pen XX/XX/XXXX.also XXXX XXXX in the amount of XXXX, XXXX XXXX XXXX account , for XXXX, XXXX XXXX open on XX/XX/XXXX,XXXX, would like to have this remove do not owe, and XXXXXXXX XXXX XXXX do not now what they are a lot of open small amounts, XXXX XXXX open in XX/XX/XXXX, amount of XXXX not sure if the is correct.
05/28/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32701	Web
This XXXX account was sold to XXXX XXXX and I disputed the account in XXXX . It was removed off my credit reports then readded without any proper notice. I submitted a complaint CFPB and received a letter from diversified stating XXXX would recall my account. It was removed from credit reports. On XX/XX/XXXX another collection agency tried to collect from the same XXXX account that was previously taken off my credit reports and falsified dates. The start date said XX/XX/XXXX , in which I do not have any accounts with the XXXX company.
01/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30101	Web
On XXXX XXXX agent XXXX from Afni collection agency called us and tried to collect money, we told him that we dont want them to contact us by phone or mail because we are in no dept and the has is in dispute, this keep badgering us about we should pay them money, my wife told him that we are disputing this dept he still insist with the credit bureau we hang up the phone, my wife then check with the credit bureau 's and at that time she realize that this credit agency made report to the XXXX bureau 's within fifteen minutes of the conversation with them.
07/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	KY 402XX	Web	Older American
In my last letter dated XX/XX/18 I mailed proof that the debt was written off by the original creditor ( XXXX XXXX ) but never received a response about this claim from the creditor. However, the creditor is still attempting to collect, which is in violation of the FDCPA. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. They did not even read my letter and only sent a form collection letter in return!! Unacceptable!! I am attaching all correspondence below.
06/07/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30906	Web
Afini Inc, ha s place XXXX accounts on my XXXX and XXXX credit report. I have been a victim of identity theft and I submitted my police report to XXXX , and the other credit agencies. I have never had an account with XXXX XXXX or XXXX and I keep telling these companies that. I am a victim of identity theft and this account is NOT mines . Afini does not have any validation nor did I receive anything in the mail for either of these accounts. My rights have been violated and they need to remove these false accounts off my credit report.
04/05/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30132	Web
I have sent a pay to delete letter to debt collector ( AFNI , INC ) and I have had no response from the debt collector. I proposed a payment of {$370.00} via certified funds if the debt collector agreed to my terms in the letter. There was no debt validation completed and sent to me by debt collector. My letter for pay to delete was sent via certified mail XX/XX/2023. I want this collection removed from my credit report ( from all 3 bureaus ) immediately due to negative impact. I have attached proof of letter sent and certified mail receipt if needed.
02/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32779	Web
This collection was resolved last year XXXX XXXX XXXX contacted AFNI and provided documentation stating that there was no pursue of funds since the billing was created by an internal mistake. At the time this collection was removed from all credit bureau but now as of XX/XX/2022 AFNI has filled again. I called them and they stated that 1- it would take 7 to 10 days to get an email with the information that they have, Then they told me it would be 3 days. more than 10 days have passed and i still don't have any information as to what they claim to have
05/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 01844	Web
In XX/XX/XXXX, I discovered that this account was being reported on my credit reports. I notified the credit bureaus that I had no knowledge of this account as it did not belong to me. The bureaus responded that this account was verified. However, upon request to provide physical proof how account was verified I have received no response as of date. Direct request to validate the debt was also mailed certified mail on XX/XX/2018, as of date the company has failed to respond to my request to validate debt and continues to report inaccurate information.
11/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33313	Web
On XX/XX/2020 AFNI added a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can say its mines. According to the FCRA AFNI has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
11/15/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 751XX	Web
I have tried to resolve this issue with XXXX and the collection agency but they will not remove this account. I asked for validation of these accounts with documents showing they are mine and I owe XXXX two collection companies have the accounts. First collection company is AFNI opened XX/XX/XXXX amount XXXX the company or XXXX who is reporting it don't have any documents. The second company is XXXX XXXX opened XX/XX/XXXX amount XXXX. According to section 609 of FCRA they have to give me some documents showing these accounts belong to me or Delete.
11/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30122	Web
I received a collection account added to my credit reports today from AFNI, Inc. There address is : XXXX XXXX. XXXX XXXX XXXX, Il. XXXX. Phone # XXXX. That are reporting a debt of XXXX. The original creditor is XXXX in which I have not had services with them and this account was fraud. This account was removed from my report and deleted. Now its re-appearing as they seem to have now purchased this debt. This collection is preventing me from closing on my home. This is not mines. I have a police report and a ID Theft report to provide if they need it.
08/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 38301	Web
The company of AFNI, has reported an unpaid amount of {$270.00} on my credit on XX/XX/XXXX. This amount has been paid in full XXXX of XXXX. The company is disputing it for XXXX which I have contacted XXXX to let them know it was paid in full and the phones. The conversation I had with the XXXX representative in XXXX, Tn, clearly agreed that it was in deed paid in full. I believe there is some negligence on their part and I am being targeted in paying the bill twice. Again, this bill was completed in full in XXXX and should not be in my record now.
02/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OK XXXXX	Web	Older American
This company Afni , Inc. XXXX. XXXX XXXX XXXX, IL XXXX. They are a debt collection co. They are trying to collect for XXXX XXXX. The Creditor Acc # XXXX. The Afni, inc, acc # XXXX. I submitted a receipt of pay-n-full to all three credit bureaus and they deleted this account for the amount of {$650.00}. I just received this collection notice on XX/XX/XXXX. I believe they are trying miss up my credit report that I have been trying to build up for the last 6 years. Also, this debt was paid Date : XXXX. I pray that you can get them to leave me along.
04/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	ND 58504	Web
An account with the company XXXX was opened in my name in XXXX of 2014 according to the debt collection company AFNI. The origin of this account was based in XXXX, however I lived in XXXX, so this could not have been me. I have contacted XXXX and gotten a letter verifying that they looked into this, and determined it was fraud, and therefor I owe nothing nd the account needs to be closed. AFNI continues to send me letters and ignore the information I have given them several times. hey REFUSE to contact XXXX and close out this false debt against me.
04/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MN 558XX	Web	Servicemember
Affni Inc a debt collection company purchased a debt from different debt collection company that could n't verify the account, XXXX could n't verify it either and they are supposedly the original creditor, and thus had to remove the account from my credit report. Affni purchased the debt from them and has now reposted the dent and should be in violation of the fair and accurate credit reporting act. The original creditor admitted they ca n't verify it so why are other companies continuing to try to post it on my report and make collection attempts
04/24/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 454XX	Web
This debt will b e seven year s old this coming XXXX XXXX , I have on several occasion requested proof that this debt belongs to me via my original signature on an agreement that I owe this debt to the original creditor and or to the collection agency, and proof that they are license to collect in the state of Ohio, proof of agreement that grant them the authority to collect on this alleged debt. As of today, they have not providing any proof to me. I am requesting you do an investigation to remove this alleged debt from my credit report.
03/29/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60133	Web
I received a letter stating that I owed XXXX from AFNI XXXX XXXX XXXX XXXX XXXX IL XXXX I disputed this and asked for verification of this debt. I received a letter stating they have verified this debt. However, they did not provide any back up of this alleged debt. Can you please request verification and if it can't be verified. Please have them remove this from all credit bureaus and please send a letter this has been done. PS. I have XXXX now for service. If I owed this debt they would not have given me service. Thank you for your help.
02/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33825	Web	Older American, Servicemember
Received a notice that I owed XXXX that was owed XXXX and today with XXXX XXXX XXXX I do not have any accounts with that company. I called on XX/XX/2023 to informed them that was not my debt. I was informed that the last four digits on SS number was not a match. So assumed it was either sent to the wrong person or someone is using my identity. I mailed a reply XX/XX/2023. Today I received another notice stating the same as the first one about an outstanding debt. I called again and was informed that XXXX XXXX XXXX was still investigating.
07/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46227	Web
This company AFNI inc. has been harassing me about money they say i owe them. I have never done business with then or the company they represent. I disputed it with all of the credit bureaus. They removed it every time. This company has been sent multiple cease and desist orders via mail, email, and fax. They continue to harass me and provide no proof of anything. They also continue to report to the credit bureaus even though every time its invalid and it gets removed. If it continues i will be taking legal action against this horrid company.
02/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78704	Web
I am a victim of identity theft. Several years ago my office was broken into and my wallet and passport were stolen. My wallet contained my social security card and my driver 's license. After the theft several accounts were opened in my name without my knowledge or approval. I have disputed these accounts and the only account remaining is this credit card. I have attached a copy of the police report to this dispute. I never lived at the address where XXXX service was located nor have I ever have XXXX service. XXXX is the original creditor.
10/03/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33025	Web
AFNI is reporting an {$80.00} bill I do not owe. The original company placed debt on my report for equipment in which XXXX did receive. XXXX acknowledged receiving the equipment and removed the debt. AFNI collection is inaccurately reporting a debt I do not owe. I never received verification or validation debt in writing when I requested it and disputed multiple times on my credit report. I researched on the FL Department of Finance website and AFNI is not listed as a licensed collection agency to do business in the state of FL as required.
08/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA XXXXX	Web
I have a loan with AFNI ( Original Creditor : XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AFNI ( Original Creditor : XXXXXXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
11/23/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	AL 352XX	Web	Servicemember
A collections from AFNI, Inc. showed up on my XXXX credit report this morning dropping my score XXXX points. I am currently in the process of buying a house and this will cause delays as well as other issues. I called AFNI and they could not tell me what this debt was for other than I had paid off a collections to them in 2013. I was then told a supervisor would be in contact with me shortly to address this issue. No contact as of yet ... .. I feel as though I may need an attorney as this seems to be a reoccurring issue with this company..
05/10/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MS 38655	Web
XXXX sent the wrong internet equipment and when i didnt use it they charged full price and wouldnt take the equipment back. When i attempted to buy a home a sent a settlement pay of XXXX just to clear my credit and the transferred it to a collection agency. The payment was supposed to be forwarded to the right people but was " lost '' in the mail for months. I finally stopped payment which cost extra they somehow found the payment and sent it back to me. I had a lawyer notify the appropriate dept and the entry was removed from my credit.
11/10/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	OR XXXXX	Web	Older American
Someone in Illinos is using my social secuirty number. I sent a questioner to AT & T and they then sent it to a collection agency, they told me to report it to my local police department and send them the file number, which I did. That collection company has now sold it to another company and I answed in a letter to them what had transpiard and that they should not contact me again!! which they have. I call and tried to explain that they had bought a bad account he responed he would see me in court!! What do I do about this harrassement?
09/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33615	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
02/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10550	Web
I have no knowledge of this account and the agency has been unable to send me the documents I have requested I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. Per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
07/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 484XX	Web
I have never been under contract with either of the companies and they keep reporting inaccurate information on my account while I am in the process of homeownership, further putting me and my family behind during a worldwide pandemic, causing stress that is unneeded. Ive reached out to all companies with zero response and everytime its disputed off of my credit history it reappears. XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX, Florida Afni - XXXX XXXX XXXXXXXX XXXX XXXX, Illinois XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN
07/23/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19464	Web
The company known as AFNI, a debt collector agency, has been calling me non-stop since XXXX about an old phone debt from XXXX. AFNI typically calls about 2-3 times a day, especially while Im at work. They also occasionally call me during Saturdays as well. I have calling the number back a total of 3 times to tell the representatives that I no longer want to receive phone calls about this debt. Every time that I said this, the representative that I was talking to replied by saying that they will take legal action if not handled soon.
03/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 077XX	Web
On XX/XX/XXXX I received a letter from AFNI Collections Stating that they I owed " XXXX '' $ XXXX.And they were collecting alleged debt. I contacted XXXX, in which I have been a customer of since XXXX. Paying for my service via direct withdrawal, never delinquent. After contacting XXXX they discovered I had " another account '' as a result of identity theft They created a report for their identity theft team to investigate. I'm waiting to be contacted from such team. However I do not want my credit to be compromised as a result.
11/23/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 76020	Web	Servicemember
On TXXXX XX/XX/2021 at XXXX, and on another occasion I cant recall because the call list on my phone has erased due to so many spam calls, I asked the scam company to stop calling. I have a XXXX phone that has the app called XXXX XXXX that tells me the number they are calling from is a scam. The company is called AFNI and they call everyday, sometimes XXXX times a day. I want them to stop calling and harassing me when I have told them at least XXXX never to call me again. Please make these scammers stop the harassing phone calls.
09/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30815	Web
I have attached documentation showing that I have paid both Afni ( XXXX ) and XXXX XXXX for XXXX XXXX XXXX. Afni promised to have this deleted off my credit report however it is still showing. I 've contacted XXXX XXXX who keeps telling me to contact XXXX XXXX. I am going back and forth between these two consumers when in actuality I just want both of these accounts deleted from my credit report. Also XXXX ( XXXX XXXX XXXX XXXX ) has posted an inquiry to XXXX XXXX that I did not authorize. I would like that inquiry to be removed.
04/01/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 38141	Web
THIS IS NOT MY DEBT! I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY! This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company!
06/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 720XX	Web
XX/XX/2021 accident occurred which was deemed no fault. I have been getting rude calls from this company stating that they are collecting a debt for XXXX XXXX. I have never received anything from XXXX XXXX regarding this incident. No tickets were given and each party was to submit to their insurance. The letter stated {$7800.00} is owed. Usually on a debt collection there is a statement that says you have XXXX days to validate. Nothing on the letter I received stated anything like that. I do not owe AFNI or XXXX XXXX anything.
10/30/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	CA 95842	Web
There were 2 open accounts, 1 for around 2000 and 1 for XXXX, both accounts were same hospital visit. The hospital visit was due to getting physically attacked. Now I had and have medical, always have and XXXX is my insurance provider and I will have to call but i can get proof of that. Also why would they not have to cover only the small XXXX amount and not the 2000 amount when it was the same visit, im not even sure why the amounts were split up but regardless it was covered by my insurance and i should not have to pay that.
08/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 75204	Web
THIS COMPANY HAS BEEN CONTACTED ON SEVERAL OCCASIONS REGARDING A DEBT THEY ARE REPORTING ON MY CREDIT PROFILE THAT I DO NOT OWE. I NEVER ATTENDED ARE CLAIMING THEY HAVE DOCUMENTATION ON. EACH TIME A SEND A LETTER TO THE CREDIT BUREA, THEY SEEM TO CONFIRM THE DEBT WITHOUT ANY DOCUMENTATION. THIS DEBT DOES NOT BELONG TO ME AND I HAVE NEVER WORKED WITH THIS COMPANY. PLEASE PROVIDE ANY PROOF OF IDENTIFICATION THAT YOU HAVE ON FILE THAT VERIFIES I DID BUSINESS WITH THIS COMPANY. IF NOT, IMMEDIATELY DELETE THIS BOGUS REPORTED DEBT.
05/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
After pulling my XXXX XXXX report, I seen a debt on my report that does not belong to me. The amount owed is {$980.00}. The account was placed into collections on XX/XX/2017. I have a current account with XXXX that is paid for every month and had no knowledge of a second account being open in my name. I have called and explained the situation to many associates to no avail. This debt is not mine and I do not owe this. This false information on my credit is stopping me from being able to purchase a house and car for my family.
07/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NH 03867	Web	Servicemember
I reviewed my credit report and saw a report from AFNI stating that there was an XXXX account opened in XXXX of XXXX. There was no XXXX account opened in XXXX. I called AFNI ( XX/XX/XXXX ) and explained this to an agent there and she stated that was the day the collection was placed with their company and that it does not have to be the date it was charged off. I requested the proof to be sent to my address as she continued to talk over me. Re aging a debt is a violation of the FCRA and I want it removed from my credit report
04/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60613	Web
On XX/XX/23 I have received the letter from Afni , Inc, Reference : XXXX regarding {$240.00}XXXX XXXX I owe to XXXX XXXX, acct. # XXXX. I don't have any XXXX XXXX account. The account I had was closed year ago, one week after it was opened and equipment was sent back. I checked all my billing statements and there's no any existing balance from XXXX XXXX. That's harassment and fraud and it effects my credit records. I'm requesting that problem to be corrected immediately, because, as I mentioned, it effects my credit records.
03/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32808	Web
I have a debt through an original creditor, XXXX. I paid the debt via Afni 's website on XX/XX/2019. I paid the full amount of the debt {$200.00}. I have sent letters requesting that this debt be removed from my credit report since I am no longer liable for this account. I currently have AFNI and XXXX XXXX reporting on the same dates on the same account. According to law, you shouldn't have 2 collection accounts reporting on the same account. This is severely hurting my credit and I am unable to buy a home for my family.
08/27/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85711	Web
Hi, I had an outstanding debt after switching phone companies which ended up in collections through AFNI. Since I was making payments, I did so through XXXX internal collections, and finished paying by XX/XX/2017. The debt still shows a balance of {$570.00} as an open collection, and is affecting my credit score as they have not closed the account almost a year later. I figured all of this was taken care of, but is now a delinquent account on my credit. AFNI - opened XX/XX/2017, {$550.00} Original creditor - XXXX XXXX XXXX
05/09/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA XXXXX	Web
AFNI, Inc posted the debt of XXXX originating from XXXX XXXX. The debt was removed from all reports in XX/XX/2018. AFNI then resold to XXXX XXXX who assumed the new right to collect. XXXX XXXX posted a collection to both my XXXX and XXXX credit reports for a debt of XXXX. The positing states this is an active collection opened XX/XX/18. No verification of debt was received 60 days after the negative posting.My address is well known and I should have received notification validating the debt and active collection attempt.
03/26/2017	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	CA 95820	Web
XX/XX/2017 I began receiving letters from Afini collections about a debit they claim I owe to XXXX for an auto accident that they allege occurred on XX/XX/2017 On behalf of XXXX. They first claim that I owe {$1000.00} but have since reduced that amount to {$520.00}. My complaint is that I was never involved in an accident, and have never been contacted by XXXX about being involved in a traffic accident and Afini has not provided any other information other than a demand for payment. I was not involved in a traffic accident
04/30/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 284XX	Web	Servicemember
This company called AFNI has been calling my phone and my husband 's phone several times per day and I have asked them verbally, via email, and with a cease and desist letter to stop contacting me via phone. They still continue to call my phone several times a day, 7 days per week. They are rude and unprofessional. This debt they are harassing me about was one that was done in my name by someone else and until I can get it legally settled, they are not getting anything. They are ignoring my cease and desist and I am fed up.
03/02/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30083	Web
Afni has sold a collection that was formerly terminated and removed from my credit report. I received another letter from a debt collector for this unproven debt. I have submitted and sent off several letters which I can provide if needed and this is still not rectified. This company needs to leave me alone as I have no outstanding bills for XXXX XXXX XXXX. I am currently with XXXX XXXX XXXX now and my services are up to date. This collection should be completely seized and this company should not reach out to me any more.
05/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33172	Web
VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
06/21/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07060	Web
I transferred a XXXX phone line to another individual a few years ago. I was told on a recorded line that the bill had to be paid in full before I could transfer. A few hours later the person whom I was transferring the line to paid the bill and we went ahead with the transfer. Now XXXX is saying that I owe them {$360.00} ( XXXX XXXX ). I should not be charged anything I did what I needed to do on my behalf. The transfer should not have been completed if there was still a balance. I have tried to dispute this a few times.
06/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06457	Web
In late XXXX I started receiving collection notices from Afni / XXXX about a bill I didn't incur with XXXX. I called numerous times indicating to them that the debt was not mine. I sent a certified letter in XXXX to them contesting the debit and requesting more information. They responded by sending the bill. I called and confirmed that the debt was not mine. I thought the matter was resolved until I started receiving collection notices from XXXX XXXX. Today I am sending out another certified letter contesting the debit
04/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
AFNI sent a letter regarding a debt collection attempt for XXXX XXXX XXXX indicating that I owe a debt that is not mine. I also received a call from a representative at the agency and I advised that the debt was not mine that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that i have no knowledge of the debt owed. I have requested verification and validation of the debt owed. I have attached a copy of my ID Theft report and letter that was sent to AFNI certified mail.
05/05/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TN 37804	Web
These numbers have been contacting me for a total of 35 days, and I have tried to get them to stop contacting me. I am on the do not call registry, and I do not owe any debt to the company registered under these numbers, or any company for that matter. The numbers are XXXX XXXX, XXXX XXXX, XXXX XXXX. I am not sure if these numbers are registered under the same company, but I know that the first one is Afni Inc . They threatened me with arrest, and threatened to lower my credit score, which I know is illegal. Thank you.
07/30/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TN 38109	Web
I ORIGIN THIS DEBT WITH XXXX XXXX WHICH I HAD BEEN IN TOUCH WITH XXXX DISPUTING THE AMOUNT AFTER COMING TO AND AGREEMENT OF AN AMOUNT THEY THEN SOLD IT TO A COLLECTION AGENY XXXX THE NAME OF ANFI AND I HAVE SENT LETTERS TO THEM ASKING THAT THEY VALIDATE THIS ACCOUNT AND REMOVE IT FROM MY CREDIT. IT IS LISTED ON CREDIT AS AFNI INC ( ORIGINAL CREDITOR : XXXX ) IN COLLECTION AS DEROGATORY, DATE OPEN XXXX FOR {$1200.00} LAST REPORTED XX/XX/2020 DATE LAST ACTIVE XX/XX/2020 WHICH THE OPEN DATE AND DATE LAST ACTIVE THE SAME
04/09/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	WA 98003	Web
This is a debt that doesnt belong to me I dispute this account on my credit back in 2015 and it was removed. Now its pops back up maybe a month ago so I dispute it again asking for proof of verification. I get an alert that the account has been removed again ok great. But no today I get an alert that this account is back on my credit but now the bill is more then double. This is not my account and they are lying to the credit company ' s which now is affecting my life. They are calling me from different phone numbers.
01/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32207	Web
Throughout the time frame of XX/XX/XXXX to XX/XX/XXXX your company has repeatedly contacted me, claiming that I owe a debt under XXXX account number XXXX. I do not believe that I owe this debt, after reviewing my credit reports. I would like to inform you that AFNI INC has violated 15 U.S.C. 1692j. AFNI INC furnished a deceptive form to create a false belief in me as a consumer by reporting information that resulted in defamation of my character, creating a false impression that I was unable to pay the alleged debt.
12/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90045	Web
On or about XXXX XXXX, 2020, I received a demand letter for an unpaid debt with XXXX XXXX XXXX with an alleged balance of {$730.00} from Afni, Inc. doing business as Afni Collections. However, two days prior I had closed my XXXX XXXX XXXX XXXX account and received a billing statement on XXXX XXXX, 2020, that is due by XXXX XXXX, 2020, in the amount of {$130.00}. I only have one XXXX XXXX XXXX account and it is current as I have the most recent billing statement for the account that was just closed one week ago.
09/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 756XX	Web
I never had XXXX XXXX at the house I was living in I couldn't even get service for XXXX XXXX in the town I was living in during XXXX or XXXX. I dont know where this debt came from or who it belongs to its very damaging to my credit and I need it removed immediately. The derogatory remark on my credit report is stating that the account got sent to the collectors. I have never been notified about this bill and did not even have access to get XXXX XXXX in the town I was living in during the date issued on XX/XX/XXXX.
06/11/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 70068	Web
I am reaching out to request the deletion and removal of the accounts and associated information from my consumer report. I insist that the mentioned accounts and information should not be included in my consumer report, as it constitutes a clear violation of both the FDCPA and FCRA regulations. It is imperative that these accounts and information are promptly eliminated from my consumer report, as their presence violates multiple laws. I urge you to take immediate action to remove these accounts and information.
04/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76039	Web	Older American
For several months we have been receiving letters from AFNI stating we owe XXXX {$6300.00} but they are willing to settle for {$3100.00}. I have never had an account with sprint and there is nothing on my credit report related to unpaid XXXX bills. If I have in fact been turned over to a collections agency for a legitimate balance due I would expect to see that delinquency history on my credit report. I have notified this company this is not my debt. I refused to give my SS # because I believe this to be a scdam.
08/25/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	OH 43615	Web
This debt collectionnagency never sent me any correspondence regarding this debt or have ever tried to.commicate with me regarding this debt. Per the fair debt collection practices.act, a collection agency is supposed to.contact the consumer as well as validate the.alledge debt. This collection agency has done neither and this debt has been reported to.the credit bureaus and this has negatively impacted my score. I never got a chance to.even try to make a payment on this account because i had no knowledge of it.
10/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
I disputed this account with a collection company called XXXX. XXXX via XXXX and even through the cfpb site and the company couldn't provide original contract with signature nor prove account even belong to me.A copy of a bill is not a valid method of verification, so by law this account was deleted and this company AFni must have purchased a recycled debt but unfortunately this debt doesn't belong to me and must be deleted or I will seek my attorney from XXXX XXXX XXXX in XXXX FL for damages and defamation.
09/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60504	Web
The debt from the Afni debt collector is not mine. I have called on 2 separate occasions to resolve this and make them aware and both times the issue was not resolved. The 1st time I called and told them this amounts of {$1200.00} and {$340.00} were not my debt and must be fraud they said " unless I have a police report there was nothing they could do ''. The second time I called they told me they would remove both amounts from my credit report. It has been over 30 days and both amounts are on my report still.
12/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30519	Web
I have disputed account # XXXX with AFNI on XX/XX/2016 and sent my dispute certified mail requesting validation of this debt. AFNI failed to provide me with a copy of any viable evidence, bearing my signature. A second certified letter was sent XX/XX/2016 and I have not heard back from AFNI, They are now out of compliance with the FRCA. I 'm sure we would both like to handle this outside of court, so all I ask is that you remove this listing from all the credit bureaus. If you refuse, i will take legal action.
05/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77546	Web
XX/XX/2020, I received an update from XXXX stating that a collection had been posted to my credit file from Afni, Inc. with an amount of {$440.00} I owe to XXXX XXXX XXXX. I have never been contacted by Afni, Inc. by mail or phone. I do not owe XXXX XXXX XXXX and have nothing from XXXX XXXX XXXX to reflect a past debt. Afni, Inc. is past the four year period under the Texas Debt Collection Act and is reporting false information on my credit report by stating first that I owe money and second that I am behind.
03/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08755	Web
On XX/XX/2019 the company AFNI charged off {$820.00} onto my credit report. All three credit bureaus are not reporting this as a collection and it is severely impacting my credit report. I disputed this account as not mine on XX/XX/2019. On XX/XX/XXXX I received a notice that my dispute was completed. I check the results and the credit bureau said the account was mine. AFNI has not furnished any prove saying this is my debt. Accordingly to the FRCA, AFNI has to repot accuraly which they have failed to do so.
07/15/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30068	Web
This item from XXXX XXXX XXXX first appeared on my credit report in 2015 by another collection agency XXXX XXXX XXXX it was found not belong to me so the item was deleted. I recently received a copy of my credit report and noticed that AFNI was on my credit report for the same account that was deleted in 2015. AFNI has yet to provide me with legal documentation showing this debt belongs to me. I do n't want a letter attached with a bill I want a contract with my signature and identity attached
10/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CO 80110	Web
Hello, I have contacted AFNI ( collection company to validate a debt that is not mine, I sent this letter via certified mail in which they returned a bill from XXXX XXXX under the name XXXX XXXX, XXXX is my middle name but this debt is not mine. I requested AFNI to validate is information in which they refuse. I have disputed the information with all XXXX of the credit company 's in return they said debt has been validated. I never signed up for any XXXX account and I am being refused validation of this debt.
06/07/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30114	Web
I closed my XXXX account XX/XX/2019. XXXX continued to bill me for services after that date. I had sold my house, disconnected and returned their equipment and vacated the premises. I refused to pay the charges past the date of cancellation so they've sent me to collection. I've received several notices from various collection agencies. I've responded to each one that I do not owe, nor with I pay this debt but have never received a single response. I'm responding to yet one more notice today from Afni , Inc.
12/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92707	Web
I am the victim of ID theft. I have several times told XXXX and they promised an investigation into it. I have had XXXX for more than ten years and XXXX continues to say it was me even though i know i never made a single call on a XXXX phone in my name. XXXX now reports it as a delinquent account ruining my perfect credit and ignores id theft laws regarding furnishing proof. Since they are XXXX and not a debt agency they tell me they can harass me all they want and do not fear you folks " in the slightest ''
06/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33435	Web
XXXXXXXXXXXX debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that i would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.
08/11/2017	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	FL 33071	Web
I received my credit report and found that Afni Inc falsely reported the following account number : XXXX I have never done any business with Afni Inc and Afni Inc refuses to supply me with information concerning the date of last activity on the account, verified by the original creditor..Also Afni Inc ignored my CEASE and DESIST letter, my validation letter and many other letters Please help me find out from Afni Inc the date of last activity that XXXX XXXX has verified Thank you XXXX XXXX XXXX XXXX : XXXX
06/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AR 72209	Web
The debt collection company AFNI put a debt that has been disputed with several companies and removed several times with other companies. After being tired of trying to rectify the situation through disputes I contacted AFNI on XX/XX/2020 and reached a settlement and was told if I paid the settlement the debt would be paid and removed. I was advised this would be updated the following Sunday on XX/XX/2020. As of today, XX/XX/2020 ; the collection still shows open, as if I still owe it on my credit reports.
03/08/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KY XXXXX	Web
XXXX tried/is trying to collect money from me for termination of their cable television service. However, I did not have any contract with XXXX, written or verbal, to pay them for termination of their services. They have the burden of proof. I know that they can not produce any written or verbal contract with me to pay any termination fees. Damaging my credit is simply a means of extortion. Neither XXXX nor their agents should be able to get away with this. Please expunge their claim from my credit rating.
10/22/2023	Yes	Debt collection Telecommunications debt	Electronic communications Frequent or repeated messages	VA XXXXX	Web	Older American
XXXX XXXX cancelled on XX/XX/XXXX. XXXX continues to try to collect a full monthly payment of {$120.00} for period XX/XX/XXXX through XX/XX/XXXX. XXXX has sent this to a debt collector. XXXX has continued to mail billing statements, send text messages, and call. I have sent a detailed letter to the debt collector with a check in the amount of {$20.00} to pay XXXX for service from XX/XX/XXXX through XX/XX/XXXX. I have sent a separate letter to the CEO of XXXX with a copy of my letter to the debt collector.
11/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93311	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to AFNI, INC. ( AT T ), but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
10/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92647	Web
XX/XX/XXXX balance claimed is {$840.00} contacted cox because name of creditor is XXXX XXXX XXXX collected my AFNI XXXX I have no balance due with them and left in good standing with them back in XXXX not even XXXX. Have disputed many times and gets cleared from account then new amount and new date appears again. When I look up AFNI I see many many people have the same claim this is a scam and fraud and I need it removed. This is not right. Ive never had a debt collection and have paid everything on time.
11/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WA 982XX	Web
Moved XXXX telephone and internet service to new residence. Technician found new service could not be installed without digging up road. We opted not to do so. Service was never connected. 3 months later we get a bill. Took quite a while to get it taken care of after they threaten collections even though we never had service! They even said I had a credit on my account. I have their email saying that on XXXX. Last month I was contacted by Afni, a collection agency, to collect the same debt sought by XXXX.
04/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92394	Web
During my subscription to XXXX XXXX a wireless network router had been installed onto my system package without my consent. Soon thereafter, a series of movies on XXXX suddenly appeared, ranging in price from : XXXX to XXXX. Customer support informed me that I was liable for the charges regardless. The time stamps for the movies were seconds/minutes apart ; nevertheless the support manager insisted that the time stamps were irrelevant. I had suddenly became a victim of extortion by the XXXX XXXX company.
09/22/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	NV 89110	Web
On XX/XX/2021 I called AFNI , Inc. at XXXX and they asked me if I could pay by card I said no I will send a check to be cashed on the XXXX. He said we recommend you pay by card ( by which you occur a fee of {$4.00} which debt collectors may not charge other fees while collecting a debt according to the FTC ) He then told me if the payment was not received by the XXXX then the whole amount will come due which is a threat to coerce me into paying the processing fee from fear of having the total amount due.
10/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95336	Web
I'm XXXX XXXX, and I need your help getting in touch with this company. To find out who had created an account in my name and why, I made an effort to get in touch with them. I regret that my credit score is now being affected by this serious problem. Since it also breaches data privacy, I don't let anybody to use my name, birthday, or any other information. Instead of me, they need to find the person who established the account in my name and provide them the information. Please help me in fixing this.
06/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA XXXXX	Web
Received notice from Afni, Inc for collection of a debt today XX/XX/20, print date XX/XX/20. The mailing included notice that a negative credit report may be submitted on my credit record with a credit reporting agency. The " debt '' in question of {$86.00} was stated to be for XXXX XXXX. I contacted XXXX XXXX and they have No record of outstanding or unpaid debt. This attempt to collect is not based on actual debt owed. I have mailed a request for validation of the debt to Afni, Inc as I dispute this.
04/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web	Servicemember
AFNI, Inc is reporting to my credit that my collection was paid. I never paid AFNI, Inc. I was contacted by the CEO office of XXXX because I am currently in the Military and had an issue with my XXXX bill. They gave me a chance to pay the total amount. I had two accounts requesting for me to pay my XXXX bill. AFNI, Inc and XXXX XXXX XXXX XXXX was on my credit report requesting the same amount. After paying my amount to XXXX, XXXX XXXX XXXX XXXX deleted the collection on my account. AFNI, Inc did not.
06/09/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77014	Web
I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.
09/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NJ 07047	Web
XXXX has that I owe them XXXX. This amount is erroneous. I called XXXX to cancel my mobile service and they refused to cancel unless I paid the outstanding balance so they continued to bill me and add on late fees which totaled the amount above. I can not believe they refused to cancel my service and continued to bill me. this outstanding balance has been transferred to various collection agencies in an attempt to collect the erroneous debt and its negatively impacting my credit score/credit report.
08/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23435	Web
I am not liable for this debt with XXXX. I do not have a contract with AFNI, INC.They did not provide me with the original contract as I requested. If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation.
01/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75013	Web
AFNI added a collection to my credit report that does not belong to me. This is causing me great harm, as it has lowered my credit score. I am a XXXX XXXX ( XXXX ) and I take my credit very seriously. I have never missed a payment on any of my obligations. I closed my account with XXXX in XXXX. AT that time the representative stated I owed {$210.00} which I paid and have proof of payment if needed. I see the " opened '' date being reported as XX/XX/XXXX - this seems to me as inaccurate reporting.
07/23/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 302XX	Web
I dont know who these AFNI people are who just destroyed my credit by making the score drop by XXXX points for an account that was established that it is not mines. I DO NOT OR NEVER HAD A XXXX ACCOUNT. They keep selling this {$84.00} account that has been taken off my credit by XXXX for not being able to prove that it was my account. XXXX does not even have my social security number when I inquired about the account. So why would you continue to. Try to destroy my credit and reputation like this.
02/04/2021	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	FL 32826	Web
AFNI has called me 18 times since XX/XX/XXXX. 5 of those 18 times were before XXXX on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX. I have not received any letters that explain what this debt is or who it belongs to. They have never left a voicemail to identify themselves or what the nature of their call is. I believe this debt belongs to whoever had my phone number before me. My credit report shows no debt and I do not have any other debt.
07/27/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	OH 45230	Web
These are some reports I would like to remove from my report both XXXX and XXXX. Im a poor hardworking XXXX and my car got stolen back in XXXX with all my documents and valuables and I suffered a major loss. Kindly I want assistance in removing all this stuff from my reopening and cleaning it as Im really XXXX and due to these collections I can not get a place to rent or a 1BR apt . I really appreciate your assistance and cooperation in removing these items from my report and closing my account.
03/02/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30310	Web
This company has place a fraudulent account on my credit report ( per their response ). I do not know them. Nor have I ever done business with them and if I have please provided the contract I signed with your company at the date of origination. The response stated to provide them more information and I refuse to help them do their job. If you cant find my account with my name and the information I provided then please remove your fraudulent account of my credit report before I take further action.
11/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OK 735XX	Web	Servicemember
Any accounts I 've had with XXXX were paid in full and closed was prior to XXXX from Georgia. I do not owe this debt. I have disputed this account numerous times and each time it has been removed, it is then added again by another one of these " companies '' likely to negatively impact my credit score. Which should be illegal. Furthermore, I am in the process of disputing this account with another collection agency who is reporting the exact same thing in another one of my credit profiles ( XXXX ).
08/02/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98208	Web	Older American, Servicemember
I received a letter from afni, Inc., Subrogation Department stating that I owed money, apparently from an car accident I never had. I wrote a letter to them stating that I did not owe the money and asked for validation of the debt. I have received several letter and sent several letter by certified mail. They do not respond except to send more of their computer generated collection letters. They are obviously bad apples and should be punished. I have attached all the correspondence. XXXX XXXX XXXX
01/19/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91335	Web
I received a copy of my credit report this morning and noticed that your AFNI XXXX reporting information about me, which have zero knowledge about. I have received no form of written notice nor have I received any phone calls. The fact I have not received any communication before inserting the alleged " debt '' onto my credit report is a violation of The Fair Debt Collections Practices act FDCPA, which does entitle me to {$1000.00} per violation plus attorney fees. Please see attached affidavit.
01/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93722	Web
I contacted the collection agency called AFNI about an account on my credit file that doesn't belong to me and tried to settle with them because i'm in escrow on the purchase of my new home and need it deleted from my credit report right away. They told me that they wouldn't accept anything less than {$1000.00} and i stated that it's not mine but i need it gone off of my file. I even asked for some proof of a contract or something with my signature showing the debt belongs to me and they refused.
03/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 92688	Web
The debt is 8 years old. It was reported by collection agencies in the past and was paid in full 4 years ago. I contacted the compony to let them know this debt was paid and the person I talked to claimed he was not in charge. They out me on hold and directed me to voice mail to leave a massage. I did and left my contact information as well. Next day they reported my credit. They put a lot of emotional and financial distress on me, specifically on this virus outbreak, and social distancing time.
05/13/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75038	Web
I have disputed this account twice and requested validation not verification of this account. I just keep receiving a bill with my name and balanced owed. I have no knowledge of this account and requested my signature on documents that obligates me to pay the bill. I also requested delinquency date for this account as it has bee n RE AGED several times without notice to me. Im requesting that they send me the requested information or delete the account from all XXXX credit bureaus immediatly.
08/02/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 28412	Web
Without any notice I got a credit alert stating a major derogatory mark was added to my credit report. It was from a collection company based in Illinois AFNI, I contacted the company and they stated I was contacted by them via email. I quickly searched my email there was nothing from this company. I requested they forward the original email which they refused. The collection was a fraudulent debt from XXXX XXXX, I disputed the debt during the call and they refused to remove it from my report.
08/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web
Twice in the past, XXXX has attempted to collect a fraudulent debt stemming from its efforts to extort me during my six-month stint as a customer in the latter half of XX/XX/2016 ( see CFPB Case # s : XXXX ; XXXX. XXXX, XXXX and XXXX ; XXXX, XXXX ). Despite the fact that each collection agency assigned to the debt has forwarded it back to the creditor when I submitted evidence that the debt is fraudulent, XXXX continues its effort to extort me by pursuing the debt, this time through XXXX XXXX.
05/19/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33407	Web
Afni is stating that I owe a debt in the amount of {$330.00}, the original creditor is XXXX . I have repeatedly disputed this claim several times via mail for about a year, because this is not my debt and fraudulent activity with this account. I never signed a contract with Afni or XXXX . I attempted in good faith to offer a pay for delete and never received a response from Afni. I would like this account immediately deleted from all my credit reports as I am not the owner of this account.
02/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77082	Web
i had an identity theft and i keep getting all kinds of collection agencies trying to collect for items like this sprint cell phone account, i have no idea where this came from, i asked them several times to send me any information according to this account with the contract and signature dates and information. they never sent it, and i keep getting calls, after asking them several times to please contact me through the mail. they have been calling my job as well with constant harrassments.
03/22/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60617	Web
This company, AFNI , Inc., has added a collection to my credit report. I have disputed this account with this company in the past after they added this identical account to my credit report a few years ago. I have explained that this account was a result of identity theft, filed a claim of identity theft with the FTC in the past and added an alert to my social security number after this incident occurred. The account was then removed but the creditor has again added it to my credit report.
03/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 78641	Web
Between XX/XX/XXXX and XX/XX/2020. AFNI, INC reported a new credit account to XXXX. The original debtor was XXXX XXXX in the amount of {$500.00}. This was an account that I believe someone else had in my name that was first reported over six years ago. It has now been illegally re-aged and is showing on my credit report as a brand new delinquency. As a result, my credit score has dropped by 19 points. I disputed the action with XXXX, but they often take many months to respond, if at all.
06/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97224	Web	Servicemember
I received a notice dated XX/XX/2018 from XXXX, XXXX XXXX : Creditor : XXXX Link, Creditor account : XXXX ; XXXX Acct : XXXX ; Balance Due : {$270.00} I have never had a Century Link account. This is a fraudulent attempt to collect money I do not owe on an account I have never had. I have requested further information from XXXX including dates of alleged service, alleged service address, etc. I believe they are trying to collect on a name similar to mine and have contacted me in error.
02/02/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OK 745XX	Web
On or about sometimes in XX/XX/2020 i submitted a dispute into a credit card from XXXX XXXX XXXX # XXXX Sold to Afin collection Agency. On XX/XX/2020 Afni completed its investigation in to my dispute # XXXX, Ruled the account as fraud due to Identity theft. Till this date the company still have not sent me a letter confirming the account has been resolved in my favor. Which is in violation of my due process rights per the FCRA where the complaintant be aware of the company disposition.
08/16/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AL 364XX	Web	Older American
I reviewed my credit report and noticed an error on XXXX. A collection agency called AFNI is reporting that I owe {$1400.00} AFNI XXXX XXXX XXXX XXXX Original Creditor Amount Owed : {$1400.00} I contacted AFNI and was told that they do not own this account or have the account in their office. They said they have no knowledge of this.. I asked them to remove it from my report. They stated they would not. I am writing to request that AFNI be removed as they do not have an account for me.
07/14/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 077XX	Web	Older American, Servicemember
Re Account XXXX afni, XXXX XXXX XXXX IL Anfi attempted to collect debt of {$45.00} they claim I owe XXXX. I requested details supporting the billing from anfi and they supplied support for credits in 2015 of {$63.00} but provided no support for debit balance of {$100.00}. No date or description of service supported the {$100.00}, just " prior balance '' I have requested support from anfi for the prior balance of {$100.00}. I am disputing the legitimacy of the XXXX/anfi billing.
04/07/2015	Yes	Debt collection Medical	Communication tactics Threatened to take legal action	MI 48237	Web
AFNI Collection agency has been calling me everyday XXXX times a day. I am currently paying them a set amount each month through a debt consolidation company. They are calling me after XXXX. They have threatened me by saying, " If you are unable to pay we have your employment/salary information and we may take further legal action ''. I explained that I am only able to pay what I am paying each month no more, no less. They did not start calling me until I started paying off of my debt.
06/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43223	Web
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, AFNI # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
07/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AZ 86314	Web
I have a collections acount with afni the orginal collector is XXXX i have contact XXXX for the pass couple of years to get info becuz this account is not mine. I have sent police reports and no response i have sent letters to afni verifaction valadation and no response i reacched a customer service agent by the name of XXXX who told me to go to XXXX store with XXXX forms of ID i did and they could not verify. Now XXXX sends me to afni and afni has told me to bad so sad please help me
12/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web
I disputed this account with AFNI, INC., the items were removed off my credit bureau only to pop back up again. I had initial signed up with service for XXXX XXXX XXXX XXXX. The service was not up to par in my city more like dial up speed so I cancelled out my services and XXXX switch my service pack to XXXX. I mailed back the router and was informed that no charges would occur. Yet I have charges on my credit report and no one will answer my question as to what those charges are for.
11/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32216	Web
I have a collection from AFNI, INC for an account with XXXX XXXX XXXX that is not mine. This account has been disputed previously and removed from different collection agencies and new ones acquire the account to collect. This is a fraudulent account and has been removed by credit bureaus in the passed when it was with other collectors. I did not open this account or authorize anyone else to open it using my information. I have filed both a police report and identity theft affidavit.
11/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 390XX	Web
Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information.
04/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	VA XXXXX	Web
I reviewed my credit report and saw a collection item from AFNI Inc. which I was never aware of and never received any kind of correspondence. I disputed the item through the XXXX credit reporting agencies and this company responded to them in record time that these items are valid which is untrue. I then sent a letter via certified mail in XXXX and got absolutely no response. Yet instill this collection item is still currently on my credit report and causing me to be denied credit.
11/17/2015	Yes	Consumer Loan Installment loan	Managing the loan or lease	CA 92627	Web	Older American
Received a Collection notice from Company called Afni for an account that is been paid and closed for 10 years. They said they represent XXXX. a XXXX we have not done business with for 10 years. We have been with XXXX for 10 years. The person that called us said he was a collection agent for Afni and that they could make our life miserable until we pay them, they claim they bought the bad debt and will collect. They demanded I send them {$220.00} immediately or the bill would go up.
02/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 93702	Web
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of a new loan transaction and this error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. Please delete this fraudulent account from my credit report. I am submitting this dispute for myself and not anyone else.
09/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
Afni debt collectors are trying to collect a debt that I do not owe. Moreover, this false debt was previously placed on my credit report and removed after I contacted the CFPB where XXXX XXXX XXXX acknowledged that this debt was placed in error and I did not owe anything. Over a year later AFNI must have bought this false debt ( that was removed ) and are trying to collect on false information. They have lowered my credit score in all 3 bureaus by 65 points for a debt I do not owe.
07/06/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 291XX	Web
This company, which I hold no contract nor have received services from, reported a collection account against my SSN in the amount of XXXX with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am not obligated to pay for the alleged debt.
04/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 923XX	Web
A cable company we had 6 years ago that was paid in full before moving ... all of a sudden without any contact in 6 years decides to send us a collection letter for {$1500.00} ( right after we buy a house ) the collection company is a well know FRAUD/SCAM collection company and this bill from XX/XX/XXXX was only first reported in XX/XX/XXXX out of the blue and to only one of the 3 Credit Bureas too ... this is fraud and I want it removed from my credit report. The company is AFNI
02/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33647	Web
In accordance with the Fair Credit Reporting act the company Afni , Inc Account # XXXX, has violated my rights under the following codes 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
07/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94112	Web
I called XXXX to ask why there is a collection of {$290.00}. I 've had an account with them for years and never owed them. I called to request XXXX service for television Only to be told after signing up that it is not offered in my area. I never received equipment. But I notice whenever I called on my telephone service I was ask by an electronic voice " Is it about my XXXX account? '' No because I could n't have a service that was not offered in my area. This is from year 2011.
04/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	TN 37801	Web
My personal information was used by someone in my house to obtain a XXXX system. My mother became ill and ended up passing away during this time the bill was turned over to collections to a third party collection company in XXXX. The bill was paid in full just as was promised with my income tax in XXXX. I am a single mother and struggling as it is. I am trying to obtain a home loan and they refuse to remove this from my credit report. They only reported that it was paid in full.
08/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78228	Web
Yes so their has been 2 accounts on my credit score that have been showing up one is AFNI and the other is XXXX XXXX, these companys put I had outstanding debt with them and Ive never opened any accounts. They were reporting I had owed money to XXXX XXXX XXXX and XXXX I have filed disputes with XXXX XXXX and had those removed.! How can they put that on my credit without me knowing. Ive had to freeze my credit because I thought I might have had some credit fraud or something.
07/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37013	Web
I am a victim of identity theft. I had not checked my credit report in years, however I recently obtained a copy of my credit report and found several accounts that had been opened in my name without my knowledge, authorization or approval. I have never had XXXX nor have I ever given authorization for any third party to open a XXXX account in my name. Whatever services XXXX previously opened in my name was a direct result of identity theft. I did now open or use this account.
10/14/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AP XXXXX	Web	Servicemember
A collection account was opened unknown to me. Afni Opened XX/XX/XXXX for the amount of {$220.00} with the Original creditor : XXXX XXXX XXXX. My husband is XXXX XXXX military and in XXXX we moved to XXXX for his duty assignment and still live here to this day. I've had absolutely no interaction with the collector or creditor and have never done business with them either. These accounts are unknown to me and I'm disputing to have them verified, validated and if not removed.
04/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60619	Web
On XX/XX/XXXX I went to check my credit, because I was preparing to buy a house, then thats when I noticed that my score was lo, and there were accounts on my credit that I didnt open.The following accounts were opened fraudulently : XXXX of XXXX, XXXX. was opened on XX/XX/XXXX with a balance of {$760.00} XXXX XXXX was opened on XX/XX/XXXX with a balance of XXXX XXXX XXXX was opened on XX/XX/XXXX with a balance of XXXX XXXX XXXX was opened on XX/XX/XXXX with a balance of XXXX
03/07/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	WI 54601	Web
They call my relatives phone for me. Dont even know how they got my dads phone number or knew that he was a relative! My dad told me so I called the number! A lady answered I asked who they were. She said it was AFNI I asked what they do and she wouldnt tell me. She wouldnt tell me her name either! She asked me what for my ssn. I told I was not giving out that info! And I wasnt answering any questions until she told me what AFNI is! I asked for a supervisor and she hung up!
06/03/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AR 727XX	Web	Servicemember
Ive been keeping a close eye on my credit report through XXXX XXXX and various apps. XXXX notified me of a account in collections that I never received any communication about. The debt information was dated back in XX/XX/2020. To my knowledge that debt is over 5 years which is time barred. Also XXXX XXXX XXXX wrote the debt off the following year. I believe AFNI is doing illegal tactics by not sending any notice to the consumer in writing and reporting time barred debt.
04/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90501	Web
1. On XX/XX/XXXX, ( aprox ) 2020 They ( " afni '' XXXX call me to tell me that I have a debt of {$57.00} whit cell company. XXXX XXXX XXXX I told them that I DON'T HAVE ANY SERVICE WITH THIS CELL COMPANY. 2.They ( " afni '' ) still are trying to talk with me by phone, but I never answer they callings. 3. On XX/XX/2020 I received a Collection Notice letter from " afni ''. I call to XXXX to ask them about this Notice, They ( XXXX ) don't know nothing about that debt.
10/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98028	Web
Printed on XX/XX/XXXX, Afni , Inc. sent me a debt collection statement. I opened said letter on XXXX XXXX. The letter states Afni is attempting to collect a debt that I owe to an XXXX XXXX XXXX account ( provided in photo ), claiming that as of XX/XX/XXXX, I owed {$980.00}. I have no account with XXXX XXXX XXXX XXXX nor have I ever ) and this company is trying to defraud me of a XXXX dollars. Further, I have received no correspondence from XXXX XXXX XXXX on such matters.
02/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	XXXXX	Web
Good morning my name is XXXX XXXX, and I was the victim of identity theft back in XXXX, yesterday I started seeing a collection account from AFNIINC on my credit report, which I have previously disputed with XXXX back in XXXX, so please stop collecting this money from me, also and I want this account to be deleted from my credit profile. The most important thing is that I have not been living in XXXX XXXX XXXX since XXXX ( proof attached ), please delete it from my report
05/20/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 17545	Web	Older American
AFNI and one of many collection agencies who try to collect a XXXX Account for XXXX during the last year. When filing a complaint the companies that were reported ceased collection 's Many complaints about XXXX have been filed with this bureau. I have asked several companies trying to collect this debt and when I tried to get them to verify this debt in writing, they just sent a copy of the XXXX bill ... I my opinion, this was not a validation of debt. See complaint XXXX
03/26/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 34952	Web
I have had repeated calls from a company called AFNI when I XXXX them they come up as a debt collection agency. I have told them I am unaware of who they are, and they try to get me to give them information I am not comfortable giving, at which point the call ends. This company is calling me daily non stop. Recently I received 4 calls in under two minutes from this company. At this point I am looking at this as harassment as 4 calls in under 2 minutes is extreme behavior.
06/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60615	Web
There have been several accounts that have been opened in my name fraudulently. The first account is as follows : XXXX . The account number is XXXX . The date the account was opened in XX/XX/XXXX in the amount of {$1200.00}. The next account is a XXXX account, which was opened in XX/XX/XXXX in the amount of {$300.00}. The account number is XXXX . The last account that was fraudulently opened is XXXX account opened in XX/XX/XXXX in the amount of {$1200.00}.
10/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DE 19973	Web
I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
09/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MN 55406	Web
So I Lost my wallet in the year of 2013 when i turned 18 and went to apply for something i seen my credit had been breached and someone was using my names for multiple reasons i have also proved this to bureuas and everything have been verified and got removed including this. and now its back on my credit lowering my points even more because its appearing as just happened which isn't cool because its like haunting me now and not going away when it just was gone im lost.
07/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30344	Web
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
10/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75006	Web
Hello, I am a victim of Identity theft. I have never once entered a consumer credit transaction with XXXX XXXX. Please refer to the attached documentation below. I tried to contact XXXX XXXX XXXX registered agent but I could not locate the applicable agent. Whats even more confusing is that it states that the account has been purchased by another lender. This maybe a mix up or a misunderstanding so im hoping we can resolve this now to prevent further legal proceedings.
11/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 38115	Web	Servicemember
I had an account with XXXX that was opened by my daughter in my name ... when i found out about the account i had her cancel it ... i later collected all the equipment involved and they told me that the account had a XXXX balance ... but it had since gone to collections and i have yet to get the collection people to get with XXXX to show that i have a XXXX balance ... and i keep getting this disputes and removed for a while qnd then after awhile it shows right back up.
07/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10458	Web
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX XXXX, andXXXX credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.
10/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	CA 945XX	Web	Older American
As of XXXX XXXX, XXXX, AFNI , Inc has failed to remove their Collection Claim Repor to Credit Reporting Agencies for my disputed and expired XXXX XXXX, XXXX XXXX Bill of {$220.00}. AFNI 's Claim ( Account # : XXXX ) expired XXXX under California Statue of Limitations XXXX XXXX & XXXX ( commencement of action within four years upon any contract ) AFNI , Inc 's Debt Verification : XXXX XXXX, XXXX XXXX XXXX Account Number XXXX '' Amount Due '' / " Quick Bill Summay ''
06/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
This account does not belong to me. There were no bills provided on this account since the opening date. I was not at the residence during the time this account was opened or generated. This account was created in Fraud. I have explained this several times to the collection agency and they continue with scare tactics causing a tremendous amount of stress and XXXX. This fraudulent balance is affecting my way of life and preventing me from getting approved for credit.
12/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78660	Web
I got a derogatory mark on my credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I'm victim of identity theft. I would like to address this immediately and get this fraudulent account remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing
01/08/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MA 02145	Web
On XX/XX/2020 Afni collections sent me a collection notice for account I never had. They said creditor was XXXX XXXX XXXX. Creditor account number XXXX. {$480.00}. XXXX. The letter has an incorrect address for me. I have never had an XXXX XXXX XXXX account. I want Criminal charges brought against afni and XXXX XXXX XXXX. I demand to know who opened this account with XXXX XXXX XXXX fraudulently using my name. This is fraud. I need this off my credit report.
10/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 480XX	Web	Servicemember
On my credit report, afni posted a debt XXXX. I currently XXXX so I spoke with XXXX They told me that I am current and they do not show anything that has been sent to a credit agency under my name. I told this to afni but they continue to report it. I have all of my XXXX statements since XXXX/XXXX/2014 that I can access online also. Even though I had uverse longer than that, they only post a certain amount of statements online, each additional would cost me {$5.00}.
01/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 62269	Web	Servicemember
In XX/XX/2019 i opened a new account with XXXX XXXX XXXX XXXX for cell phone service i took the phones back and cancelled service with them before my 14 day trial period was over. They actuallys till owe me sales tax and downpayment back that they never refunded. I have fought and fought them and still trying to collect on something i dont have or set up. The representative said this would be taken care of and removed from my credit reports but it still shows up.
08/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60634	Web
I have a loan with XXXX/XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and AFNI ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), and AFNI ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
01/16/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 463XX	Web	Older American
Just received letter from afni , inc collection agency for att in the amount of XXXX. Closed this account in XXXX of XXXX. Att said could not closed account till it was paid in full. So paid the amount of XXXX of which they said would be owed. Now XXXX months later I get bill from afni , inc saying I owe XXXX, but I have never received a bill for this or a call about it. Tried talking to afni but they were very aggressive and did not want to hear anything I said.
11/06/2017	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 92065	Web	Servicemember
I switched cell phone companies from XXXX XXXX XXXX to XXXX. XXXX told me that if I switch they would pay off what ever I owe to XXXX XXXX XXXX. This agreement was not fulfilled on sprints half. I switched carriers and they did nothing. I have not received any notifications from XXXX XXXX XXXX stating that this wasnt paid and they didnt tell me that this was going against my credit. Now I have a derogatory mark on my credit profile because of this problem.
05/21/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL XXXXX	Web
Over 15 years ago I got a phone from my sister it hardly worked I called and told XXXX XXXX XXXX too turn it off. I was told the phone was not in my name and XXXX XXXX XXXX refused to turn it off even though I stopped using the phone they Kept charging.I haven't had contact with no collection agency.So I don't know why this is still on my report after so many years.The only way I know about this is because it's on my XXXX XXXX.No one contacted me about this bill.
03/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30101	Web	Servicemember
There was a negative report filled on my credit report. The debt was paid in full to XXXX who notified the collection agency AFNI, Inc. The supervisor from XXXX and I were on a conference call with AFNI collections when it was said since the bill was paid in full that they would delete it from my credit report. But as of today it is still there. I was told by another representative today that it could not be done that it would stay on there for seven ( 7 ) years.
12/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78213	Web
AFNI has ruined my credit by placing a debt on my credit report which has gone into collections. The original debt was for XXXX XXXX, which I have never owned. The debt on my credit report give as little information as possible except that I owe {$75.00} I called XXXX to confirm the original debt and they could not find any information on me by my personal information. I looked online and AFNI has has a history of listing invalid debts on people 's credit report.
12/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75126	Web	Servicemember
My identity was stolen. Someone made purchases and obtain accounts in my name! The issue was reported to the federal government ( FTC ) as well as the credit bureaus and each company. The companies honored the removal requests after reviewing the appropriate documents, however, those same companies sold the accounts to debt collectors or other debt buying companies, and now the accounts are reporting again under new companies. Its devastating to say the least!
03/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30213	Web
I am a victim of identity theft and someone used my personal information to obtain this account in my name without my permission. I recently discovered this fraudulent account on my XXXX and XXXX credit report. I am requesting for this fraudulent account to be deleted and removed immediately because it does not belong to me. I did not benefit from any goods or services from this fraudulent account. I have attached a copy of my police report and FTC report.
06/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28144	Web
I am really dumbfounded with what is going on in my credit file. This are trying times and everyone is on rebuilding. I am building my credit standing yet these accounts appear to affect my scores so bad that I am losing hope. Please help me out with them and eradicate them from my credit file. To point things out, these account has a lot of missing identification and information that can not stand to be reported. Please investigate and remove them right away.
12/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NC 278XX	Web
I signed up for this service and was unsatisfied with it. Within the contract it clearly stated that I had 30 days to keep the service or cancel and return the box and remote. After one week of service, I was not satisfied with it and returned to my previous television provider and had a box sent to me to return the equipment. I have made several attempts to resolve this, however, the company is charging me for service that I did not have for more than a week.
10/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94015	Web	Servicemember
I was contacted by Sprint in 2019 about a debt owed, inform Sprint that I was not the one who started the account and everything was resolved. Until recently this 3rd party debt collector Afni contacted me about owing money. They had one guy verbally harassed me over the phone calling me the XXXX. I am so hurt and afraid every time they call my number. Not sure who or what I will get. This debt was resolved a long time ago, not sure why Sprint sold to Afni.
10/29/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AR 723XX	Web	Older American
This company has been constantly calling my home for the last XXXX yrs all through out the day. The will call everyday before XXXX, in the afternoon and after XXXX. The keep asking for someone that 's not me. I have responded numerous of times, letting them know that I 'm not that person and that person do n't live at my address and this is my phone number. I do n't answer anymore because of the rudeness that I 've received from them on previous phone calls.
02/15/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	AL 35235	Web
Afni sent a letter concerning a debt with XXXX XXXX that does not belong to me. I have never been a subscriber to this company. I do n't recognize this debt. This collection company has threatened to take further action without first verifying this debt. I would like them to submit any signed documentation or drivers license that they may have in their files to me to give me as much as I can to press charges against the person ( s ) that this debt belongs to.
12/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76123	Web
XXXX, gave me the right to pass my account on to another customer. That customer has taken full responsibility with payment arrangements organized by XXXX. First XXXX was harrassing me about this debt that dont belong to me. After explaining the situation XXXX removed this account from my credit report. Now AFNI has the account and has reported to my credit without sending me any notice or validation. Please remove this from all 3 reports as soon as possible.
09/28/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 95128	Web
Afni Collections Agency reported false information to XXXX and destroyed my credit score. They never bothered to contact me about any of this. I only realized the issue after my credit rating dropped XXXX points. After calling them, they explained that the account was not even in my name. It turns out that Afni reported someone else 's delinquent account against my credit history. This is a clear case of defamation of character and Afni should be held liable.
07/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	NV 100XX	Web
I am an attorney. My client was involved in an accident but not responsible. The person who was injured was paid a small amount by an insurance company. The insurance company is trying collect that small amount from my client by falsely representing that it has contacted the " Department of Transportation '' of his state which is examining his compliance with the " Financial Responsibility Act '' and that he could lose his driver 's license unless he pays up.
07/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32547	Web	Servicemember
Fraud report started with XXXX, AFNI INC, XXXX XX/XX/2021and Police report for the {$990.00} on XX/XX/2021. I found that the wrong name and address was used to create the debt which was not aquired by me. This is the second time XXXX has done this with a different collections company. Using just a social sercurity number to give credit is just not smart. All the other info they used was incorrect, yet XXXX continues to attach this and other charges to me.
07/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	UT 84321	Web
" AFNI '' is reporting on my credit report an account with a high balance and original creditor they listed as " XXXX XXXX XXXX. '' I had already verified with XXXX this account had been paid a couple years ago, and I have sent " AFNI '' two requests for validation of this account. The most recent was on XX/XX/2017, and I have attached it to this complaint. They failed to respond or provide any documentation of such account as required by FDCPA regulations.
08/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL XXXXX	Web	Older American, Servicemember
This is a debt, claim by XXXX XXXX which was suppose to have been sent to my bank as a refund. My Bank, XXXX, claim that they never received such a refund nor was it deposit into my account. Now XXXX is trying to collect money that I never received. I have contacted management at XXXX and they have informed me that they would contact the collection agency and have this collection removed from my credit report. This has not happen as of this date XX/XX/2016.
12/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30035	Web
This is my 4th complaint with XXXX XXXX XXXX. They keep sending the same fraud acct to different collection companies. Each time I contact The Consumer Protection Bureau. This acct was opened due to Fraud. Because I feel XXXX XXXX XXXX and its affiliates have purposely allowed fraud and allowing someone to cause so much hardship disabling me unjustly I will be filing a suit. Afni, which is a company I have never even heard of will be included in this suit.
02/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33486	Web	Older American
I have received three or four letters from Afni collections XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Illinois XXXX, XXXX. Last notice date on XX/XX/22 stated I owed {$770.00} to XXXX. Credit acct XXXX. Afni , Inc acct : XXXX The company stated a discounted offer : {$380.00}. I replied to the first letter in writing via mail I received that I did not owe this debt. Ive had XXXX & XXXX for many years not XXXX. Is this a scam targeting the elderly?
07/01/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AR 723XX	Web
I recently review a copy of my credit report and I realize that as a consumer AFNI is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They have violated other laws not stated about this alleged debt. I have attached my ID to help identify me and my FTC report.
02/28/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75287	Web
AFNI, Inc. added an account to my credit files and when I sent a debt validation letter, all they sent me was a bill from the original creditorXXXX. This is not proper validation per the FCRA and FDCPA laws, which state that validation requires presentment of the account history and general ledger/statements and copy of each agreement/contract signed and dated by the parties ( collectors and CRA ) responsible for maintaining the complete account history.
10/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19122	Web
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate
10/05/2018	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95670	Web
I receive a robo call every 2 days from XXXX. This has continued for many months. They portray themselves either as debt collectors ( AFNI ) and/or financial services. When I told them to stop they are rude and aggressive. They ask me for personal and financial information. Their robo calls never stop. Oddly, they are not asking for me, but claim they are looking for someone else. Googling the above phone number shows wide spread harassment by AFNI.
05/15/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22306	Web
XXXX XXXX XXXX , XXXX XXXX and XXXX XXXX XXXX ( AFNI ) have put items on my credit report which are not mine and have refused to answer any inquiries about these accounts. Neither, Have never provided any documentations and I know for certain these accounts are not mine. Please help because I have sent ove r 6 le tters over the last year and no one helps or assists. They refuse to remove accounts which are not mine and violated my rights
09/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60639	Web
AFNI , INC DATE XXXX XXXX In accordance with the fair credit reporting act XXXX has violated my rights. 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit card plan as a late for any purpose.
03/26/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IA 52722	Web
I was a customer of XXXX and when I canceled I completed my agreement by returning all equipment to XXXX as agreed. I have now found that I have a small collection account on my credit report that the folks at AFNI have not been able to provide me with debt verification on. I have spoken to them, they are cordial but unwilling to verify and allow me to correct by paying and removing the collection or simply removing the account as it is not verified.
08/10/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78224	Web	Servicemember
Afni collection agencie for XXXX XXXX XXXX for the amount of {$140.00} showe 's on my credit report as negative i do not owe this money as we have had XXXX XXXX XXXX XXXX for years an it has always been under my wife 's name we have never been late they are still our provider .Would like to have this removed from my credit report .I know that this company has been reported before of trying to collect from people that do not owe an as being a ripoff
08/09/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 23504	Web	Servicemember
Contacted company by phone and by letter advised the account in question does not belong to me. Stated to the rep that XXXX has moved this account on to 2 other collection agencies have sent proof account is not mines. Rep advised account would be sent to the credit bureaus have tried to obtain a home loan being stopped by this collection affects my credit score. other collection agencies have removed after finding info provided by XXXX were bogus.
03/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 761XX	Web
Original Creditor Name XXXX is incorrect as I have never signed an application with any company named XXXX, There was an account I paid off that was a XXXX account it was posted on the XXXX account as AFNI and then as XXXX AK.A XXXX opened in 1998 ended as the phone was recalled and they did not want to replace it but - This account was paid to AFNI Acct # XXXX this is A PAID account that has been re-aged several times it is more than 12 years old.
12/09/2016	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 77386	Web
XXXX showed up on my report ( from a closed acct 10 years ago ) I called XXXX to check on it they gave me the amount same of what was on my report when I contact AFNI debt service the said the want twice what XXXX said also they said I need to pay it then proceeded to tell me I have another account they are trying to collect which I paid and have receipt for I asked them to take that off my report and they said not until I pay the XXXX charge also.
12/28/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11429	Web	Servicemember
I received a copy of my credit report in XXXX XXXX. I disputed a debt collection which was originally XXXX I believe and is now with afini collections. I sent a certified letter to the collections agency asking for debt validation and they sent a bill statement as proof which wasnt proof because I never had a contract with XXXX. I sent another letter to afini again asking for proof because this IS NOT MY DEBT my calls and letters have been ignored
04/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32211	Web
I started disputing this company in XXXX of XXXX into XXXX and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the XXXX time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this.
09/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IN 46304	Web
I requested validation of debt dated on XX/XX/2016, company has failed to provided me with the documentation. The company failed to provide me with a notice to request verification of debt, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.
09/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IN 46304	Web
I requested validation of debt dated on XX/XX/2016, company has failed to provided me with the documentation. The company failed to provide me with a notice to request verification of debt, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.
09/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	IN 46304	Web
I requested validation of debt dated on XX/XX/2016, company has failed to provided me with the documentation. The company failed to provide me with a notice to request verification of debt, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.
04/28/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN XXXXX	Web	Older American
My name is XXXX XXXX i am XXXX years old XXXX and retired I am on social security and food stamps. My income is only $ XXXX Monthly. The collation company AFNI /XXXX . XXXX claim that a had a cellphone from than a never had a cellphone from this company, an owed a cellphone from XXXX XXXX I don't any need for another phone. I pay for My cellphone every time used it. i dont a money to pay out for any another because i widower my wife pass away
09/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30084	Web
This debt NEVER existed. This is NOT a debt. This involves the return of XXXX equipment that was returned to XXXX in 2010!!!!! I have been harassed by several collection agencies since 2010! This has to STOP!!! I am tired of being harassed and want this removed from my credit report IMMEDIATELY!!! If it is not removed and the harassment does not cease immediately I will have no alternative but to file a suit against this debt collector.
09/01/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33610	Web
I sent a response to the AFNI Inc well within the time frame that was posted on the letter to respond. The company was supposed to validate the debt and send me the requested information contracts and supporting information to prove that I owe the alleged debt. They still reported the debt to the consumer reporting agencies. By law stated in the CFPB guidelines the Collection agencies are not supported to report info that is being investigated.
06/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 601XX	Web
I was looking at my credit report on XXXX XXXX and there is a new collection from afni that said the original creditor was XXXX XXXX. I tried to call XXXX XXXX and they say they dont have a record of the debt. The last time I had XXXX XXXX as a tv provider was XXXX of 2018 and my account was canceled and paid in full to change providers. This is the first time I have heard of me owing money to XXXX XXXX The collection says its for {$120.00}.
07/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MS 395XX	Web	Older American, Servicemember
A debt collecting company, AFNI, placed a collection report on my credit report before they even sent me a notice of collection. The account is FALSE and they never gave me the chance to dispute it before placing it on my credit report. They placed the collection account on my credit report on XX/XX/2019, but the date of their first and only letter to me is XX/XX/2019, a full TWO MONTHS EARLIER! The account is not only DISPUTED, it is FALSE!
06/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WA 985XX	Web
I have never had my own XXXX account!!! XXXX XXXX XXXX XX/XX/XXXX Open {$130.00} Account Details Last Reported XXXX XXXX, XXXX Collection Agency AFNI Original Creditor XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$130.00} High Balance {$130.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details AFNI XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX
04/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OH 44515	Web
My credit card was charged without my permission, at which point I disputed the validity of such a charge. The credit card company posted a credit in the disputed amount to my account pending the outcome. The investigation concluded that my dispute was invalid, at which point the credit was put back as a valid charge. I attempted to resolve the issue prior to this point without success. I have my credit card statement showing the charge back.
01/18/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21220	Web
XX/XX/2023 Creditor : AFNI Account number : XXXX Collection Agencies Creditor Address XXXX XXXX XXXX XXXXXXXX, IL, XXXX I am not liable with this debt for {$990.00} with AFNI nor do I have a contract with Afni Collections. They did not provide me with an original application like I asked. They claim to be collecting for XXXX cable in the amount of {$990.00} which is not accurate as i have an active account with XXXX and not Afni Collections.
11/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MD 20904	Web
Inaccurate debt collection Item was first disputed in XX/XX/2020 was successfully deleted from my credit report. Later returned in XX/XX/2020 disputed again in XXXX to XXXX but was not removed, mailed certified letter to collection agency AFNI , INC. on XXXX XXXX ; for debt validation no response received within 30 days. Contacted XXXX in XX/XX/2020 to have inaccurate information removed and it has not been completed. AFNI, INC. {$820.00}.
02/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11434	Web
I am writing to you in reference to the company Afni, INC. My credit report says that I have an account with them that was opened XX/XX/2016. I have never opened an account with the company. The account number they have on file is XXXX. The account is not mine. I have tried numerous times to dispute this account with the credit bureaus and they will not take it off of my credit report because the company is still falsely reporting this debt.
08/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 43055	Web
My cell phone account ended after a 2 year contract however unauthorized use continued with billing phone calls to overseas merchants. The account was cancelled. XXXX customer service stated that account would be cancelled and I would not be charged XXXX dollar cancellation fee. Afterwards, XXXX forwarded a collection notice for XXXX dollars to a collection company and I immediately sent notice " do not contact '' & violates collection laws.
10/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 33064	Web
XXXX XXXX I mailed a certified dispute letter to AFNI inc and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over XXXX complaints on XXXX they also have over XXXX complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT
07/26/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48433	Web
AFNI, INC. reported a debt that was not mine to XXXX despite the fact they could not provide enough detail to prove any debt was owed. I called AFNI on the day I received their notice, and immediately sent a written request for more information, upon their suggestion to do so. Regardless of the fact that the this issue is still being investigated, and not my debt, they have reported it to the credit bureaus. This is a harassment tactic.
05/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91945	Web	Servicemember
On XX/XX/2017, I filed a complaint against XXXX XXXX with the CFPB ( XXXX ), you investigated and closed the complaint. XXXX XXXX, then gave information about my account to AFNI , Inc., they show the account number ending in XXXX. My credit report indicates AFNI created a phony account on XX/XX/2017, made it look like payments were made and then delinquent after a XXXX. This is fraudulent reporting and having a negative effect on my credit.
05/17/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75149	Web
Afni is tryi ng to collect on a debt on the behalf of XXXX that I do not owe. I have sent many letters to this company but they refuse to remove this derogatory remark from all XXXX credit bureau s, XXXX , XXXX XXXX , and XXXX . I spoke with XXXX and they are very upset with this company which I am a valuable customer to them ... please have this company removed this remark off my reports as it is affecting my credit. Thanks.
09/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30094	Web	Servicemember
XX/XX/2020. This account was settled and closed. It was negotiated and promised from the collection agency that upon payment acceptance the debt would be totally removed from all 3 credit bureaus. It was only removed from XXXX and not XXXX or XXXX. I expect the collection agency to uphold their agreement and remove the listed debt from reporting. As well as the information that is being reported to XXXX and XXXX is reported incorrectly.
03/23/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33015	Web
Tranfer acc to another lender never did a Contracts with Afini, XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX also was never inform about this decisions, also calling me people that I dont know calling my job never receive letters the main company never discus with me nothing per hippa law my information shout be private not to send to people that never did Contracts with them also dispute all this on XXXX past more that 45 days no info receive?
01/17/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CT XXXXX	Web
I received an alert that an collection account was added to my credit report. I reached out to the company and they advised it was for XXXX XXXX i advised that that i never had this company before. Nor has AFNI ever sent any documentation to me informing me of any account. my information was used which is why i have an identity alert on my credit right now. this account needs to be removed from my credit report as it does not belong to me.
01/30/2017	Yes	Debt collection I do not know	False statements or representation Indicated shouldn't respond to lawsuit	AZ 859XX	Web
I have never had at XXXX account much less want one. I have received a letter from afini collection in Illinois and so far what I Ave read about them they are either a scam or they are a third party debt collector. If them hey have my ss number and report them hey his them hey his own my credit then someone has either stole my identity or used my name and ss number somewhere without me knowing. This is not my debt as I have never had XXXX.
08/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32084	Web
Dear Sir or Madam : I've had my identity stolen. There is nothing on my credit record that pertains to any of the purchases I've made. It's because someone stole my identity and used it without mypermission. Because I filed a complaint with the FTC about identity theft, here is a copy of that report. Please remove this from my credit record and notify the relevant parties. Your help will be highly appreciated on this matter. XXXX XXXX
04/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30281	Web	Servicemember
AFNI has violated my rights as a consumer by attempting to collect a debt that is not valid. AFNI violated The Fair Debt Practices Act 15 USC 1692. The violations are : 15 USC 1692b Acquisition of Location information ( 5 ) ,15 USC 1692d Harassment and Abuse ( 2 ), 15 USC 1692f Unfair Practices ( 1 ) ,15 USC 1692g Validation of Debts ( 1 ), ( 2 ), ( 3 ), ( 4 ), ( 5 ). This debt collector has used false, misleading and deceptive practices.
07/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 78238	Web	Servicemember
Account from XXXX XXXX was discharged in XXXX. XXXX. Company kept billing me, disconnected my service, and sent the account to collections despite knowing and having a record of this. Had my attorney attempt to reason with them, to no avail. Their actions made it difficult for me to take care of personal and medical needs, as I've gone for weeks without reliable phone service. This company is devious, with XXXX respect for its customers.
05/09/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60586	Web	Servicemember
On XX/XX/2019 received an alert about a collection account being placed on my XXXX credit report. I checked it and noticed that there is a collection account from the company Afni for XXXX stating that it was opened on XX/XX/2019. I had already filed a police report and fraud report with the FTC. This is a strong case of identity theft. I had this problem before with this company and informed them of the problem. This is not my account.
02/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60139	Web
Everything about this collection is incorrect. The date opened is wrong. I never had XXXX in XX/XX/2018. The balance is incorrect. The account number is WRONG!!! This company is illegally reporting inaccurate information. They need to provide the last statement from XXXX proving date opened as well as the alleged balance and the account number. If they can not, this account needs to be removed immediately or further action will be taken!
06/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 604XX	Web
To whom it may concern, I pulled a recent credit report XX/XX/XXXX that showed fraudulent accounts listed. I'm not sure how my credit was compromised. I can only assumed this happened back in XX/XX/XXXX based on the oldest account listed on my credit report. Somehow, someone was able to gain access to my personal credentials. I was instructed by the major credit bureaus to file a police report and to put a freeze on my credit reports.
07/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32216	Web
I started disputing this company in XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the 3rd time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this.
08/16/2019	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 77340	Web	Servicemember
This is an old XXXX XXXX XXXX cell phone bill from XX/XX/XXXX which has already been bought and by XXXX with the amount of {$210.00} bought on XXXX XXXX. They have not contacted me until I did a dispute with XXXX XXXX a few days ago. Told them to stop calling because I cant confirm if they arent scammers. They have not sent me anything At all in the mail and no emails or anything. I think this whole thing is a scam on my credit report.
04/06/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 48221	Web
this company is saying i owe XXXX from 2016 which is pass the statue of limitations, also i currently have XXXXXXXX XXXX and home service i have a XXXX balance there is no way this is my account. i asked them for proof this was my debt they never sent anything just continue to call and harrase me. if they cant proof this is my debt orginal copys these needs to be removed from my credit report. i have already been a victim to id fraud.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 77038	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It a so states a consumer reporting agency can not furnish a account without my written instructions. + 15 USC 1666B : A creditor may not treat u XXXX payment on a credit card account under an open end consumer credit plan as late for purpose.
07/28/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	VA 23324	Web	Servicemember
I did not confirm the debt. AFNI Collection Agency is reporting on my credit report of a date of XX/XX/XXXX. I have not had or paid an XXXX XXXX XXXX account since XXXX. Company is attempting to collect on a debt that is eight years old. I have not had any contact with this collection agency besides mailing a request to verify this debt. I did not receive an response from the company and the company is reporting on my credit reports.
05/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60636	Web	Older American
XXXX XXXX states I owe XXXX. When I discontinued my service I paid the outstanding bill and returned all equipment. XXXX has placed this alleged debt in collections. I disputed the debt with the collection agency. I also talked personally with a representative form XXXX XXXX and I was told I have a XXXX balance. I think that XXXX is trying to take advantage of me because I am a elderly person. I know what the representative told me.
04/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31204	Web
Identity theft. Account info Account name AFNI , INC . Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XXXX XXXX. Status updated XXXX XXXX Balance {$1100.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Original balance {$1100.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
12/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98532	Web
XX/XX/2022 XXXX XXXX XXXX XXXX reference number XXXX I don't owe this company any money my 2 year contract was done with them and then I switched to prepaid service I never signed or agreed to anything with them after the 2 years was done I've called them many times and even went into the store when I did my prepaid plan I will not pay I dime on this nor next time I get anything from the company I will be suing for harassment goodbye
11/10/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23831	Web
I am in the process of repairing and building positive credit. During this process I requested a debt validation letter from AFNI who is reporting a debt of {$3700.00} from the original creditor XXXX on my credit report. I sent the letter priority mail XX/XX/XXXX to XXXX XXXX XXXXXXXX, XXXX, IL XXXX and have not received a response. It has surpassed thirty ( 30 ) days and this is a violation of the Fair Debt Collection Practices Act.
12/06/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NH 03062	Web
Received a phone call from Afni and subsequently a letter dated XXXX/17 from AFNI, Inc stating that I owed XXXX {$2300.00}. I never had a XXXX account. Talked to a XXXX representative and they said they could not find anything under my name or the XXXX account # XXXX ( provided by AFNI, Inc in the said letter ). XXXX asked me to file a complaint with their Fraud department as they told me someone is trying to collect under your name.
07/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80439	Web
I received a notice from " Afni , Inc '', a debt collector. They stated I owed money to XXXX. I knew this was a scam. I don't owe money to XXXX and I called them to double check. I would like to report this company as fraudulent. This is the information in the letter I received from Afni : Afni, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX, CA XXXX ( XXXX ) XXXX www.afnicollections.com Date XX/XX/2023 2023
05/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 631XX	Web
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
08/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89503	Web
Recently, I've grown an interest in monitoring my credit. I am XXXX years old and I and my family are ready to purchase a home. As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. I've made several attempts to call the dept collectors and explained my situation to all of them, however these accounts still appear on my report.
05/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33176	Web
I collection debt was added to my credit report in XX/XX/2018 by XXXX XXXX for the amount of {$460.00}, I tried to contact the company I they said they were looking into this and never got a call back, I tried calling again several times and they kept pushing me away.. The weird thing is I have a XXXX account active and I do all my payments monthly with out any delays and still have this collection deb, it does not make any sense.
03/15/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 926XX	Web
Afni has once again despised a debt that was believed to be the result of id theft and removed from my credit once before there tactics are sleazy at best. I have asked even before my report with you and several reports with the FTC that this discontinue. The company has failed to provide any proof to the contrary and pay no attention to the FCRA or the Faor Debt Colllection act and continues to do business despite ignoring the law.
02/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	AZ 85138	Web
Debt was discharged in CH-XXXX Bankruptcy XX/XX/XXXX2015. Creditor sent debt to AFNI, INC. collection on XX/XX/XXXX2015, AFNI reported deragatory information to CRA 's in XXXX 2015. Creditor and Collection agency are in Violation of US Bankruptcy code. Collection agency will not REMOVE from CRA 's. As per law a crditor or collection agency can not report or try to collect a debt after the Bankruptcy has been filed and or discharged.
09/10/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 63033	Web
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
10/31/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43110	Web
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX
08/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98516	Web
As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXX ( Original Creditor : 11 XXXX ) Account XXXX
08/13/2021	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	GA 302XX	Web
AFNI calls repetadly for days at a time then stop for a while then start again. When I answered the lady XXXX, I asked her where she was calling from she refused to answer and responded that she heard me and didn't understand why I was asking. She was rude and disrepectful. She also stated that this was " their due diligence '' and never revealed where she was calling from. I called the number in order to find out who was calling.
07/09/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	LA 70808	Web
A company by the name of Afni is reporting a collection. That is not correct or mine it started off a XXXX then XXXX XXXX the. afni. XXXX deleted XXXX from my report because of reporting incorrect information not Afni is reporting that same account. But to XXXX it is appearing to be a new collection. Item and this keep happening after a few month this company will sell the debt to another company. And this process wholl continue
01/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	OH 44120	Web
This company has been reporting the same information on my credit report for a while, I have had this information disputed on my credit report and it was removed. Every couple of years the information would appear on my credit report again. It is causing me a lot of problems. I am trying to purchase a house and this information keeps popping up. I have tried to contact the company but no response. I just want this problem handled.
04/30/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85205	Web	Older American, Servicemember
In accordance with the Fair Credit Reporting act XXXX Account, # XXXX, has violated my right 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 166B : A creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for any purpose.
04/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	HI 967XX	Web	Servicemember
Poor DSL service was at a rental house I owned. XXXX service cancelled by occupant to obtain service from XXXX on XXXX XXXX, 2013. Bill in dispute was never sent to my home and was for services not provided by XXXX. I had no Knowledge of bill until XXXX contacted by recovery company. Service by XXXX - DSL service for this address was not my responsibility. Charges were dismissed by XXXX with XXXX and have now been filed by AFNI.
05/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92109	Web
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states consumer reporting agency can not furnish an account without my written instructions under 15 USCs 1666b a creditor may not treat a payment on a credit card account under an open and and consumer credit plan as late for any purpose
02/26/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76028	Web
They are auto dialing and leaving no message. I called the number back and they were wanting me confirm who I was before they would tell me anything. Looking for address, XXXX, Social Security first of all I will not give out this info without knowing who and why. After calling the number I found out it was XXXX and as today I have not received any letters in the email in regards to why they would be calling. Sounds fishy to me.
05/16/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30213	Web	Servicemember
A letter of dispute was sent to AFNI, INC on XX/XX/2019 in response to a letter sent from them that I owe {$400.00}. I gave a formal dispute and have not received any reply from the company. I do not owe this company anything and have never conducted business with them. They have since added a collection account to my credit report on XX/XX/2019 which I've never granted them access to. I would like them to remove it immediately.
07/12/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CO 80904	Web	Servicemember
AFNI inc. is continually updated the date reported on my collection account. The account was initially reported in XX/XX/XXXX Just today, after I just submitted a complaint about the company ( XXXX ) on XX/XX/XXXX. Today ( XX/XX/XXXX ) they flagged my credit report with the same collection account only update the status date to : XX/XX/XXXX. They are clearly attempting to poison my credit report my falsely reporting information.
07/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 802XX	Web
On XXXX I sent a letter to validate that this alleged debt reporting was in fact mine. on XX/XX/2021 They responded with a generic letter stating that they verified the account, which by no means does their letter validate that this was me that had this account. I sent a letter to follow on XX/XX/2021. They are re-aging the account monthly- which is illegal to do so, and an FCRA violation. Please see all attached documents.
10/25/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 775XX	Web
I was a victim of identity theft and noticed a collection from AFNI I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
09/26/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77067	Web
I was a victim of identity theft and noticed a collection from AFNI. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
06/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL XXXXX	Web
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT!
06/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77429	Web
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT!
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 750XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for Purpose
01/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
Debt Collector Company - AFNI Billing Company - XXXX Amount - XXXX Hi, i have a debt collection from afni regarding my XXXX account for the address which i left in XX/XX/2018 and as per XXXX internet was started again on the address and they i have to pay the amount .I provided them my lease agreement for the the place where i was staying but as per them even its mistake by them i owe them money .please help me on this matter.
07/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95206	Web
On XX/XX/2019 I received a collection notice from A company called AFNI. The letter stated I owed {$1400.00} to XXXX XXXX XXXX. I never used XXXX XXXX XXXX services before and had not seen any other bills that need to be paid from the said company. It was a surprise that it was sent straight to collections and not have any notices to begin with. I believe this was a case of stolen identity with the intent of ruining my credit.
09/22/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to turn you in to immigration or deport you	KY 404XX	Web
This company Contacted me by letter on XX/XX/XXXX and I have no knowledge to this account whatsoever. I called the company the very same day XX/XX/XXXX and told them that this was not mine. This company also called me today on XX/XX/XXXX and Told me if I did not pay the amount of {$1700.00} that they would contact Immigration services and have me deported. This is so wrong on so many levels because I am a NATURAL BORN CITIZEN.
03/24/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77095	Web
I am a victim of identity theft and noticed a collection from AFNI. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
12/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60611	Web
I was a victim of identity theft and noticed a collection from AFNI I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
02/01/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DE 19713	Web
I have sent letters on 3 separate occasions to this company, asking them to provide me the proof that I owe this debt. I have not received any response from them at all, yet they have verified the information twice to the credit bureaus. I have also contacted the original creditor and I have disputed the information directly with the credit bureaus. I still have not received any proof at all of the debt that they claim I owe.
01/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60827	Web
I recived a bill for XXXX for $ XXXXXXXXi called the number that was on the form ... .AFNI ( XXXX ) XXXX the woman that I talk to ask me question about the bill she ask have i ever lived at XXXX XXXX XXXX XXXX XXXX XXXX i told the woman at AFNI that I have never lived outside of XXXX, and at that time told to to contacted XXXX i did that as well and i was told to caal the COMMISSONER AND WAS GIVEN A REF NUMBER OF THE PROBLEM
03/09/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TN 37919	Web
AFNI debt collector for XXXX. AFNI have been threatening to send me to jail or sue me for a balance of {$840.00} that I dont owe the company in 2016. I have tried reaching out multiple times, along with disputing this through all three credit bureaus. I have not had any success with getting this debt removed from my credit. This debt does not belong to me, and I have no knowledge of this debt. Please assist with this issue.
08/08/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 211XX	Web
AFNI is trying to collect a debt that I owed XXXX XXXX XXXX from XX/XX/XXXX for {$500.00}. I had paid {$100.00} on the debt right before XXXX XXXX XXXX sent it to collection. They told me they had the right to tack on {$100.00}. At that point I decided not to pay because of this action by XXXX XXXX XXXX. It should be off my credit report by now but AFNI has it dated as from XX/XX/XXXX. I read that this is a tactic AFNI uses
09/25/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL XXXXX	Web	Older American
Creditor account number XXXX. Letter from afni ( account number is XXXX ) with a balance due of {$80.00}. It is dated XX/XX/23. It claims I owe money on a XXXX account. It has been over 4 year, if any, that my cell phone was with XXXX and much longer than that that I have had a cell phone at this address. This is nothing I owe. There is no other identifying language. There is an offer to discount the amount to {$40.00}.
08/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	WV 25701	Web	Older American, Servicemember
Company calling itself AFNI, Inc. sent me a collection notice purporting to represent XXXX. Alleged a balance due of {$1900.00}. My account with XXXX was closed in XXXX or XXXX of 2015 and paid in full. Company name and address : Afni, Inc. XXXX XXXX XXXX, XXXX IL XXXX Company phone : XXXX Company website : www.afnicollections.com Their letter to me included several account numbers which I will gladly provide on request.
07/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94541	Web
Collection account from AFNI, INC ( Original creditor - XXXX XXXX XXXX XXXX ) added to my credit report in the amount of {$370.00} on XX/XX/2020. I have not been an XXXX XXXX XXXX XXXX customer for the past 8 years and have no knowledge of any remaining balance owed. This is the first time Ive ever heard of such claim. I have never heard of such company called AFNI, INC Please remove collection from my credit report.
04/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 351XX	Web
I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
10/16/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IN 46260	Web
XXXX disclosed a collection agency by the name of AFNI, INC reported a debt the month of XX/XX/2020 on my XXXX credit report but it shows the account opened XX/XX/2020 ( via XXXX ) without written notification about the debt which was previously deleted and is now re-aged. I also initiated a dispute XX/XX/2020 and the company has still failed to disclose the original documentation, bearing my signature, of this debt.
05/01/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90036	Web
Approx 20 robocalls as of XX/XX/2019, from company called Afni, seeking someone that I don't know. I called the robo-phone # XXXX XXXX to tell them that I don't know who they are seeking. Put on hold and nobody picks up. The robo-calls from XXXX XXXX call my landline almost daily, sometimes more than once per day. The caller identifies as Afni or XXXX. I don't know because I've never dealt with a company of that name.
06/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	FL 339XX	Web
The collection agency named AFNI Inc. does not have a license in the State of Florida to collect any debt. Their continued attempts to communicate with me through phone calls and letters have annoyed me to the point where a formal complaint about this matter Is being filed. This company is not listed on the State of Florida Office of Regulation website ( XXXX ) as being able to conduct business in the State of Florida.
06/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NJ 07410	Web
when i closed by XXXX XXXX account i paid my bill and full balance as i always do. months later i was contacted by verizon for non payment. i showed them proof of payment from my bank checking account. i was told that when i close an account that because i had phone internet and tv i should have paid the balances seperatly to different addresses. i never had done this in the past. i paid my bill as i allways have done.
04/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11226	Web
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
09/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	GA 30815	Web	Servicemember
In XXXX & XXXX, I received notification from a collection agency ( Afni ) stating that I owe cable company XXXX {$1400.00}. The account opened with the social security number was fraud and identity theft. I submitted the Affidavit to Afni, and Afni has received and closed the fraud account. I recently tried to have XXXX install cable in my home. XXXX still show a due balance of {$1400.00} related to the fraud account.
03/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10469	Web
On this date XX/XX/2022 AFNI open a collection. {$240.00} that I own I have never signed any written documents saying that I own this to the collector. They are violating my right of the FCRA as a consumer. I do not know who they are and I have not written consent from my end. Also, they not verified that I own this debit to this alleged company. Please have this removed from my all the three credit bureau.
06/03/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30045	Web	Servicemember
Afni, Inc, keeps sending me collection notices saying that I owe them {$520.00}. I have responded twice in writing to let them know that I do not owe this debt and I have no contract with them. Afni, Inc, keeps sending me a bill as validation and not verification of the account that I have no knowledge of. I have asked Afni, Inc for a contract with my signature obligating me to this debt which they have not provided.
03/25/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33414	Web
Afni , Inc. XXXX XXXX XXXXXXXX, XXXX, IL XXXX XX/XX/2022, AFNI collections reported an account to XXXX and XXXX that was not mine. I never recieved a call or letter about this debt. This has happened before and somehow they keep doing this. MY credit was harmed and this is damaging. I do not understand with all the laws that this is allowed to keep happening. They do not seem to care. XXXX XXXX XXXX XXXX XXXX XXXX
11/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48187	Web	Older American
I received a debt collection letter from afni, Inc. for money owed to XXXX XXXX XXXX. I do not have an XXXX XXXX XXXX account. I am not behind on my bills now and never have been behind on any bills in the past. I am turning XXXX years old next week, and other than a small car payment, I am debt free. I do not have an XXXX XXXX XXXX account. There is no way that this is my debt. I believe that this is a scam.
11/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95926	Web	Older American
THE ACCOUNT WAS CLOSED WITH XXXX XXXX AND THEY ACTUALLY OWED ME A CREDIT WHICH WAS AGREED UPON BY XXXX.THEN THEY SHOW AN OUTSTANDING BILL FOR EQUIPMENT NOT RETURNED AND EQUIPMENT WAS RETURNED AND THEY CONTINUED TO BILL FOR 2 MORE MONTHS AND THERE ALREADY NEW XXXX XXXX SERVICE THAT STARTED AY MY ADDRESS WHEN THE OTHER ONE WAS CANCELLED SO YOU CANT HAVE 2 SERVICES RUNNUING AT SAME TIME AND THEY REFUSE TO ANSER ME BACK
09/27/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77067	Web
XXXX XXXX XXXX XXXX debt was paid in the form of monthly payments for a settled amount of {$310.00}. This settlement was approved and accepted by XXXX XXXX in XXXX XXXX. A total of 6 payments were made from XXXX through XXXX XXXX. I will not be paying anything with AFNI and I request this collection amount/item to be removed from all credit reports immediately. Original Acct number-XXXX Original balance- {$710.00}
08/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33060	Web	Servicemember
AFN I Corporation has some kind of a write off for me for some equipment with the cable company that was demolished in the hurricane in the XXXX XXXXXXXX in 2017 the house was demolished all the equipment was demolished I went to the XXXX building which was demolished they made me sign some paperwork and ever since then Ive still been getting billed I dont know in the house anymore it was lost in a natural disaster
02/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77009	Web
See complaint ID : XXXX Continued attempts to collect a debt not owed. All previous debt collections agencies that XXXX XXXX has sent this debt to have discontinued contact. XXXX continues to have these debt collectors harass me. CFPB, Credit reporting agencies have all decided in my favor. I want XXXX to tell me they are no longer going to purse this bogus " debt '' or I will pursue legal action against them.
10/06/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI XXXXX	Web
I received a call from a debt collection service representing XXXX and the rep explained that I owed XXXX dollars I explained to him that I had questions about this debt and asked if I could verify the debt or receive verification it was me he tried to verbally verify the debt which was not fair. I have recently filed a complaint against XXXX and since they could not verify the debt they have sold the debt again.
08/25/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	IL 60657	Web
AFNI sent me a letter dated XX/XX/XXXX, but it was not received until XX/XX/XXXX. I am enrolled in the USPS informed delivery which proves the date it was delivered. 10 days to receive an intrastate letter via USPS to a major city seems doubtful. Rather I suspect the company intentionally delays sending the letter to reduce the amount of time I have to dispute their claim ( which is an obvious mistake in itself ).
02/06/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TN 37830	Web
I just got this number last month. The debt belongs to another individual. I've asked numerous times for them to quit calling. The company 's name is Afni. I spoke to XXXX at XXXX today and again advised that this person does not have this number please put me on the do not call list. Tried to get me to sign up for debt relief in my name. They call 8-10 times a week trying to collect debt from someone named XXXX.
07/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KY 40215	Web	Servicemember
a installer came to my home from XXXX XXXX XXXX to give me there service, he said ; was unable to install because of a oak tree ; it would be in the way of the signal, he left and did NOTHING, no work at all. I sent ALL of there equipment back to them. Iam NOT paying a bill for nothing done!!!!!!! This {$100.00} dollar bill should not have been sent to me, please take it off of my credit report. Thanks, XXXX XXXX.
12/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33026	Web	Older American
XXXX XXXX wrongfully trying to make me responsible for a Telephone bill, ( XXXX search States that AFNI is known for this kind of procedures ) XXXX refuse to take this of my account stating that the information is accurate. I have never received any correspondence, the only reason I know about this is because of XXXX XXXX report. I have never used XXXX and have never ask for any kind of service they provide.
08/18/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77489	Web
AFNI is reporting a debt that has already been disputed off of my credit report and has been found to not be mines by all 3 credit bureaus after they investigated this back in 2016. This debt is illegally reporting on my reports again and was never validated as being mines and there is no contract or signature tying me to this account. It looks as if they purchased this alleged debt from a prior debt collector
10/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 49508	Web
This company AFNI put a derogatory item on my credit report which I disputed multiple times and they took it off my credit, and it appeared up on my credit report through another company.. Im in the process of trying purchase a home and it came on my XXXX. The new company is called XXXX. The account number is # XXXX with the company AFNI The last dispute letter date was XX/XX/2020 The amount is for {$100.00}
06/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL XXXXX	Web
AFNI, INC AT @ T AFNI, inc. XXXX XXXX XXXX XXXX, IL XXXX FTC affidavit submitted with proof of id and address. Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report
10/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92545	Web
I obtained my credit report from all three bureaus at the end ofXX/XX/XXXX. I updated and removed any information that was inaccurate on my report. I sent two certified letters to AFNI collections agency on XX/XX/XXXX asking them to validate the debt they are reporting on my credit file. I asked for original signature and the contractual obligation that connects me to this debt. The debt amount is {$980.00}.
01/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43081	Web
This is my THIRD time disputing the following accounts : -AFNI, INC. # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX # XXXX -XXXX XXXXXXXX XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.
08/26/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30319	Web
AFNI Located at the below address and phone number opened a claim on my credit report that is not mine. The company has not provided any information on the claim. This is the second time the claim has been reported on my credit report which has caused my credit to be impacted. The company should not be able to create fraudulent claims to credit reporting agencies. XXXX, XXXX. XXXX XXXX XXXX XXXX, IL XXXX
08/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AP XXXXX	Web
A new account showed up on my credit report as being opened XX/XX/2019, and placed in collections for the amount of {$170.00}. Says it's XXXX XXXX XXXX, I might have had an account with XXXX XXXX XXXX like over 30 years ago but have been stationed overseas for the last 2 years and have not opened any new account ( s ) with XXXX XXXX XXXX, in fact I don't even know if XXXX XXXX XXXX would even work overseas.
10/09/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75002	Web
I noticed a collection on my credit report I did not recall or remember. I sent them XXXX letters and they just simply sent me a response stating I owe them the debt. Pursuant to the Fair Debt Collection Practices act there must be a contractual agreement and they have failed to provide this. Tried calling and the number was disconnected. Tried disputing with the credit bureaus and having little luck there.
08/12/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 770XX	Web
Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company supplied to the credit bureaus name of the credit bureau whose report has incorrect information ]. I have the below item in question listed below. AFNI acco unt number XXXX This item is inaccurate and I am requesting that ANFI have the item removed my credit report immediately. Thank You
09/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	UT 84660	Web	Servicemember
This account is old from XXXX and the company keeps putting in my credit report that the account opened year after year after year for example they said it was open in XXXX they said it was opened in XXXX this credit is this debt is like 12 years old or so and they just keep putting that information on my credit report and won't stop. My name is XXXX XXXX and the company that's trying to collect his afni
05/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 91803	Web
There are XXXX accounts on my credit report that show open and in collections. The XXXX accounts were included in the Bankruptcy Chapter XXXX filed in XXXX XXXX. The United States Bankruptcy XXXX granted a discharge in XXXX XXXX, XX/XX/XXXX.I have filed a dispute in XXXX XXXX with XXXX in regards to have the XXXX accounts debt removed from my credit report. As of today, it still shows on my credit report.
11/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85086	Web
I do n't have an account with this AFNI , INC . AFNI , INC, XXXX, IL XXXX XXXX. AFNI , INC claimed that I owned them {$600.00} and reported this account under Collection ( XX/XX/2016 ) with three companies XXXX. This action is incredibly damaging to the consumer credit and damaging my employment opportunities. Most companies these days want to check a potential employee credit reporting before hire.
07/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77044	Web
AFNI Collections has reported a collection account to my XXXX XXXX XXXX credit files stating that I owe {$510.00}. I do not owe this alleged debt. All equipment was returned to XXXX XXXX XXXX. I have the receipts, therefore AFNI has no legal right to attempt to collect a debt. There is no debt owed. AFNI has not validated this debt nor sent me a notice of collection. AFNI is in violation of the FCRA.
12/23/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 18702	Web
Customer Service Collection : AFNI INC for XXXX I order this phone then decide i did not want phone so I sent it back ... .. First there said did not receive phone back ... .. that the charge ... .But then later on because kept bother me ... .They said the phone was turn on ... .so the charge was for early termination of contract???? But I return phone not open so how could the phone been activated????
02/28/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AK XXXXX	Web
Received a written notification from AFNI at afnicollections.com and they stated I owed a certain amount for a company I had no debt with. I contacted the company before contacting AFNI ( from a blocked phone number ) and confirmed that I had no debt with that company and they have no record on file of unpaid debt. Additionally, I never once got notification from the company itself of any unpaid debt.
10/02/2020	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	TX 77489	Web
XX/XX/2020 XXXX afini/XXXX XXXX XXXX THIS WAS FILED ON MY CREDIT REPORT AND I HAVE NO REASON TO DO BUSINESS WITH THEM. I TRIED REACHING OUT TO THESE GUYS AND THEY HAD NO ANSWERS FOR ME. I WANT THEM TO REMOVE FROM CREDIT REPORT XXXX, THIS IS CAUSING PROBLEMS FOR ME. MY CREDIT IS FLAGGED TO CONTACT ME BY EMAIL AND PHONE WHEN MY CREDIT IS RAN. AND HAS BEEN IN PLACE FOR OVER 5 YEARS. I UPDATE EVERY YEAR.
02/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 380XX	Web
I filed a report with XXXX over 30 days regarding fraudulent accounts. The account were not removed. I provided a police report and FTC report and nothing was done. I called back to XXXX and spoke with XXXX at XXXX XXXX on XXXXand he stated he would not file a dispute for the following accounts below : US DEPT OF EDUCATION US DEPT OF EDUCATION US DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX
03/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30066	Web
AFNI , INC is a debt collector that is attempting to collect a debt that is not mine. AFNI , INC has purchased the debt from another debt collector XXXX XXXX XXXX XXXX XXXX I have never given any information to or signed any contracts with AFNI, INC. AFNI , INC inquiries into my credit file has had a negative effect on all XXXX credit scores and has prevented my ability to apply for a line of credit.
10/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48205	Web
In accordance with the fair credit act, this creditor has violated my rights under 15 USC1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 states consumer reporting agency can not furnish account without my written instructions under 15 USC 1666B A creditor may not treat a late payment on my credit card account under and open and consumer credit, or as late for any purpose
03/15/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 22306	Web	Servicemember
AFNI is attempting to collect debt from XXXX XXXX XXXX in which I never received notice and do not owe this debt. There is no account in for this debt besides incorrect address and it is supposedly from 2013 for the amount of {$720.00}. I called the collection agency and they will place in dispute. I am trying to purchase home and it seems like I am actively being targeted for old nonexistent bills.
03/10/2021	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	KS 66209	Web
AFNI has spent the last several months sending threatening voice messages and letters impersonating judges and law enforcement officials. I have requested validation of this debt and never received it. I have asked not to be contacted because this debt does not belong to me ( my XXXX account is current ), they continue to ignore that and harass me. Today, they added the account to my credit report.
04/20/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 14223	Web
I spoke to XXXX and disputed fees. I then advised AFNI that the charges were wrong on the account and advised I am disputing the balance and I want all reporting to cease and desist as it is improper. They still refused to work with me and for months they have reported a bad debt to my credit bureaus report and they argued that they could not remove the wrong reporting.. Stating they had rights ...
02/19/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48167	Web
I don't owe anything in these following accounts below. They should have confirmed this from the Original Creditor since I have made my payment to them. INVESTIGATE this account thoroughly and make the necessary correction or just REMOVE the account automatically. XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$360.00}
12/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43081	Web
This is my second time disputing the following accounts : -XXXX XXXX XXXX XXXX XXXX # XXXX -AFNI, XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AUTO FINANCE # XXXX I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute anything on my credit report that I do not recognize.
02/02/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30236	Web
I am XXXX years old I do not have legal right to sign a contract. I have never used my social security until now where I have asked for my credit file. I called the credit bureau to obtain a copy of my credit and a collection agency named AFNI has negative information being reported to my credit. I'm not sure how credit works. But up until 15 days ago I didn't even know my social security number.
01/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL XXXXX	Web
A collection debt is reported on my credit report. This is not my account. I didnt receive any information about this debt. This debt has been reported to my credit report. I would like this debt removed ASAP because it is not mine. I have never done business with this company and I dont where or what this debt is about. I havent given my personal information to this company or any other company.
05/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27410	Web
XX/XX/XXXX, {$530.00}, I have contacted XXXX XXXX XXXX several times requesting proof of a debt for several years and I have been told it is my responsibility to prove I do not owe the debt. I have not had service with XXXX XXXX XXXX for over 10 years, however, the company is reporting service with them as early as XX/XX/XXXX. I have written a dispute to the credit bureau-XXXX-with no resolution.
02/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91326	Web	Older American
AFNI keeps calling me about a debt it claims that I owe. I do not owe AFNI any money for any debt to AFNI or any other debt collection agency. Just this past month, AFNI reported this nonexistent debt to my three credit reporting agencies, and my XXXX score tumbled by 35 points. I've disputed AFNI 's claim with all 3 credit reporting agencies, but I want to report it to CFPB to get them to stop.
12/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IL 60644	Web
This ishould a debt from XXXX XXXX. I spoke to their rep who stated that the equipment was worth {$500.00}. He said that if I returned the equipment, I would only owe {$90.00}. Someone from Afnight credit collectionscore called me stating that I still owe {$590.00} even after XXXX received their equipment. I returned the equipment in good condition months ago. This total amount due is incorrect!
11/20/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	GA 30038	Web
I changed cable providers and paid what I thought was the finale Bill. Was contacted by XXXX credit about an outstanding amount owed to XXXX. The amount was XXXX. Contacted XXXX and asked if this would pay the account in full, and I paid it to the original creditor. Now some company named AFN I, INC has purchased this from XXXX XXXX and is reporting this as a new collection on my credit bureaus.
03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77077	Web
I am a victim of identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
03/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60462	Web
A company called AFNI ( XXXX ) keeps calling me and asking for someone else. I've told them repeatedly it's the wrong number, but then they start harassing me about whether I know the person and whether I have contact information for them. I don't even recognize the name, and I've told them to stop calling, but they keep calling me. How do I make them leave me alone? This feels like harassment.
02/03/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NY 10543	Web
I have been receiving back to back calls and have recently seen a drop in my credit score due to Afni collections. I have been warned not to speak with this company over the phone and to have everything in writing. I do not know what this debt is. I have never received any notices in the mail regarding any outstanding debt. I always pay my bills on time and do not believe this debt is accurate.
04/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30286	Web
I've been working with XXXX XXXX. They had them removed. 2 came back under another collection agency.Original collection agencies : XXXX 1st delinquency XX/XX/XXXX. Balance as of XX/XX/XXXX is XXXX. XXXX XXXX XXXX 1st Delinquiency date XX/XX/XXXX. Balance as of XX/XX/XXXX is XXXX. They reappeared under new collection agencies. AFNI INC. Open date XX/XX/XXXXand XXXX XXXX Open date XX/XX/XXXX.
04/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77586	Web
On XX/XX/2021 the debt collection company AFNI appeared on my credit report trying to collect on a debt originating from ATT that I have no knowledge of. I have signed no contact with AFNI nor do I owe any debt to AFNI. Therefore, I would like this misinformation removed from my credit report immediately as it is defamation of character and being reported illegally in accordance with the FCRA.
07/24/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27889	Web
The account from XXXX XXXX XXXX in the amount of XXXX sold the account to a collection agency. I disputed the account as it is not mine and the collection agency XXXX XXXX, deleted the account last year but I 'm guessing in the process sold it to another agency, Afni who not only re-aged the account to show recent but they are still trying to collect on an amount that was found not to be mine.
08/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
I was checking my credit score when I saw a company named Afni, inc. reported debt collection amounting to XXXX . I don't know this company nor I owe them any thing. This company is trying to collect a debt which I have no information nor I owe any XXXX to this company. This company has ilegally damaged my credit score. I need this collection account removed from my credit report immediately.
10/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90660	Web
This keeps coming up on my report and it is inaccurate info. This was for XXXX and no money was owed. This company started harassing me, calling me early in the morning, late at night. It keeps showing up on my credit reports as late payments. Its first showed up over 7 years and now it is showing again as a 2 year negative account. It last was reported again in XX/XX/XXXX as a chargeoff.
08/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33319	Web	Servicemember
I became aware of a negative mark on my credit from AFNI thanks to XXXX XXXX alerts XXXX. I have never received and email or paper mail explaining I have ANY kind of debt not paid to any creditor to my knowledge. Most of my bills utilize auto pay. I have no idea what, how much, or who AFNI is representing. Thanks to a XXXX search It was brought to my attention I can submit this complaint.
04/07/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 279XX	Web
AFNI XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX has purchased a debt that I do not own and re-aged it placing false dates on it to make it reportable and collectable if you look at thier BBB history and complaint history as well as ripoff report they are famous for false reporting have been sued and are known for this. please have them prove to you that this is an accurate collectable debt.
03/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77590	Web
I have been a Victim of Identity Theft for many years. I have tried many times to speak with this collection department and have not been able to get a contact person as either I get hung up or they send me to voicemail. I have frozen my credit report for all 3 agencies as somebody is working under my social security number and also getting information. Federal Trade Commission Number XXXX
04/27/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77073	Web
I 've tried disputing a fraudulent collection account on my credit report. I 've sent letters to the agency and have gotten little response. My official complaint is aga inst AFNI for r eporting credit information to the credit reporting agencies that was a result of Identity Theft Ive asked in my letter that the negative reporting ceases and the information be removed from my credit report.
10/28/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA XXXXX	Web
There is achatge of {$510.00} placed on my credit by, AFNI , INC . Address : XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Account Number:XXXX, Original Creditor : XXXX That I do not recognize. I have requested more information on this account and disputed this item several times, but no changes as of now. Please help to identify this item and cancel, since it does not look familiar. Thank you
09/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 223XX	Web	Servicemember
I was recently notified that Afni, Inc. collection reported an account that I previously disputed as identity theft with the original creditor and with Afni on my credit report. They even reported an address with the account that I never lived at. This is illegal and a violation of the FCRA and FDCPA. I want them to remove this item because it is not mines and is a result of identity theft.
08/30/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63043	Web
There was a previous complaint submitted that reported that AFNI did not provide sufficient validation of a debt reported owed. Upon receipt of this complaint, AFNI ceased reporting of the collection account and finally provided " validation '', however per FDCPA a copy of a billing statement is NOT sufficient validation. There are no documents supporting a contract between myself and AFNI.
08/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	RI 02860	Web
Open my account at XXXX years old, at the time I was young and dumb service rep stop me to have me open up a phone line. He never asked for my ID just my social. He said I was approved for XXXX lines I got caught up on his pusuation so I took the offer. I felt behind on payments because I was just a new dad so I could n't pay. I 've made several calls to let them know and they did n't care.
10/20/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30114	Web
I have never heard of Afni. I do not have a contract with Afni. They keep calling my phone and my husbands phone multiple times a day. I answered and asked them to stop as I dont know who they are and asked if they would quit harassing me. I asked them to send proof that I have an actual contract with Afni and have not received anything. They are causing me stress and wish they would stop.
03/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85353	Web
I am a current XXXX XXXX customer in good standing. I this bill is for equipment that was sent in error. I mailed this equipment back to XXXX XXXX, they confirmed receipt and in return sent to correct equipment. I have request this matter be cleared and debt removed however I have received the run around with no resolution. I do not owe this debt and I do not have any additional equipment.
05/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 35215	Web
I have tried to dispute via XXXX this account during XX/XX/2021 when I noticed this on my credit report due to identity theft along with a few other accounts. This company has still continued to call, send letters, and made attempts to collect debt on this account that I did not open. This is very frustrating as well this is allowing my credit score to not thrive property as it should be.
10/07/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77381	Web
I have been receiving phone calls for months alleging a debt to XXXX. I closed all my accounts after I got married and had no debt. They have also begun mailing official looking letters requesting payment in addition to the phone calls. The company is called afni and is located on XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX and phone number is XXXX and www.afnicollections.com
10/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	SC 29745	Web	Servicemember
XXXX XXXX used XXXX different collection agencies to settle a {$360.00} debt. Those collection agencies were XXXX and AFNI. Again they are the same debt. I settled with XXXX and am no longer in an outstanding status with them. AFNI still shows that I owe the same amount I already settled with XXXX. It is harming my credit by remaining open and outstanding when I in fact paid and settled.
10/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IA 507XX	Web
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH AFNI, INC. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
05/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33404	Web
I checked all three of my credit reports at the end of XX/XX/XXXX and AFNI collection agency for XXXX was on all three reports. I disputed on all my credit reports because the debt does not belong to me. The debt was deleted off XXXX and XXXX in XX/XX/XXXX but not off my XXXX credit report. This isn't a debt of {$920.00} which was placed on credit report on XX/XX/XXXX isn't owed by me.
02/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 700XX	Web
AFNI is attempting to collect a debt that I have no knowledge of. I have never entered into any contract with AFNI. AFNI HAS NEVER CONTACTED ME IN WRITING OR BY ANY OTHER PROPER FORM OF CONTACT DEEMED FIT BY THE FCRA. It is my sincere request that AFNI immediately remove this account from each of the credit reporting agencies that it is presently reporting this negative information to.
03/24/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TN 37211	Web
XXXX and AFNI Debt Collection Services are negatively reporting on my credit report with XXXX, XXXX, and XXXX that I am late and owe {$330.00}. I filed police report # XXXX and Report # XXXX regarding identity theft with the XXXX Police Department. This is an unauthorized account. I would like XXXX to stop selling my information to debt collection companies for an unauthorized account.
06/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 79905	Web
I received a letter in my mailbox that apparently this AFNI company or whatever, telling ME that I have to pay {$610.00} out of a supposed {$940.00} to settle a XXXX debt I have never heard of within a month or else they'll treat it as " legitimate ''. I am cautious about whether to contact them in any form as I fear they'll purposefully waste time. I received the letter in XXXX XXXX.
02/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI XXXXX	Web
Company Afni states I owe an alleged debt to XXXX XXXX XXXX for services I do not owe and remember getting. The company must validate the debt and attached is a letter for validation request. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practice Act ( FCDPA ) company has 30 days to validate debt. I believe this alleged debt has been sold at least one time.
07/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IN 46835	Web
COLLECTOR FAILED TO DISCLOSE DATE ON RIGHT TO DISPUTE/VALIDATION REQUEST LETTER. THIS BEHAVIOR IS DECETIVE AND MISLEADING THE CONSUMER IS A VIOLATION OF CFPB-PROHIBITION OF UNFAIR, DECEPTIVE, OR ABUSIVE ACT. ( DODD-FRANK WAL STREET REFORM AND CONSUMER PROTECTION ACT. SEE ATTACHED. ALSO, XXXX NOTORIOS FOR SENDING THEIR DEBT TO COLLECTION AGENCIES PRIOR TO VERIFICATION OF DEBT PAYMENTS.
03/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 622XX	Web
Afni collection agency has sent me a debt collection letter, saying i owe money to sprint. I have never been a customer of sprint nor have i ever lived in the places they are saying i had debt. i have read many complaints about this company doing this illegally. Afni just sent me what is suppose to be verification but it has no information about me except my name and current address.
11/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30252	Web
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!
04/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33351	Web
They opened a membership in my name with XXXX and charged amounts to these companies : Afni, Inc {$1400.00} Opened XXXX XXXX, XXXX XXXX XXXX XXXX {$490.00} Opened XXXX XXXX, XXXX U S DEPT OF ED/XXXX {$1200.00} Opened XX/XX/XXXX This whole membership under my name is fraud. All charges to my name were not confirmed by me. There are different addresses and numbers registered as well.
03/22/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 19320	Web
This debt originally from XXXX XXXX was placed on my credit reports. It was originally placed with XXXX company and then disputed with the bureaus and ultimately unverified and the removed. It has now been placed with Afni in attempt to collect this debt that does not belong to me. This account has been placed on my consumer reports again under a different collection agency, Afni.
08/28/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33322	Web
AFNI filed an debt collection account with XXXX and XXXX credit bureaus that does not belong to me. They have not provided any proof that the debt belongs to me and appears that they are violation my consumer rights and statutory deadlines on their collection practices. Please instruct them to remove this error from my credit files because this error is causing me monetary losses.
10/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 381XX	Web
I sent an affidavit to Afni outlining their multiple violations of 15 USC 1692, with an invoice for compensation of damages. Their previous response to the CFPB complaint did not address the request for monetary relief. I have attached the notarized affidavit, the pieces of evidence, and the invoice to this complaint. These documents were delivered XX/XX/2020, via Certified Mail.
07/07/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92065	Web	Servicemember
We have been contacted by mail on several occasions by AFNI in regards to collecting on money owed to XXXX XXXX. They state that my husband owes them {$510.00} to settle the account. I contacted XXXX XXXX to find out what was going on. They informed me that we only owe {$140.00} and the account information does not match what XXXX has, so I don't know where they get their amount.
01/25/2019	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 48076	Web
In early XX/XX/2018 I contacted XXXX to find out what the bill was for. They advised it is an XXXX XXXX XXXX Bill. Ive contacted XXXX XXXX XXXX several times because I was billed a cancellation fee when i still had services. In XX/XX/2018 I entered an agreement with XXXX to pay any debts associated it them and another company. XXXX has continued to call despite the arrangements.
05/03/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33068	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
04/26/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33610	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
04/12/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 710XX	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
01/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 08043	Web
Hello guys, I bought a XXXX phone from XXXX XXXX XXXX store in XX/XX/2018. which phone was returned to the same store after a week ago. I do have proof of refund to the store. So I don't know why are they want me to charge again. Also I called to them so many times but they still sending me debt collection letter. please help me to remove this amount from my credit account.
07/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85032	Web
Received a debt collection in XX/XX/2019 to my name and address from Afni regarding creditor account XXXX originated from XXXX for {$260.00}. I have never done business with XXXX. I have contacted both Afni and XXXX. I need this debt to be removed from my name and address immediately and also not show up in my credit reports. Please do the needful as soon as possible. Thanks!
05/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 38111	Web
I XXXX XXXX XXXX RETURNED THE EQUIPMENT THAT WAS LEFT WHEN I STOP MY SERVICE WITH XXXX AND THEY ADDED ALL THESE LATE FEES AND EQUIPMENT CHARGES TO MY ACCOUNT AND I HAD TO TAKE THE EQUIPMENT AND SEND IT OFF THROUGH XXXX AND I DO NOT SUPPOSE TO HAVE A BILL WITH THEM AT ALL I CHECKED MY CREDIT REPORT AND O HAVE THIS ON MY CREDIT REPORT THAT IS INCORRECT AND NEEDS TO BE DELETED
12/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32725	Web	Servicemember
I spoke with the senior manager of the Office of the President ( corporate office ) of XXXX XXXX XXXX who after supplying them with the tracking number for the mobile phones stated that the account would be reduced to a {$0.00} balance. He stated this would be done within 24 hours ( on XX/XX/XXXX ) yet the collection account remains open. Email thread attached for reference.
10/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 77584	Web
XXXX just sold my account to a collection ( Afni ) and I have been make payments XXXX. Since afni have gotten the account they have been calling me several times a day even after I told them to cease calling me. They have been attempt to force me to set up payment arrangements with the. And I have told them I will not pay them bc XXXX is the company I have the contract with.
10/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 02740	Web
I tried to contact all the lenders involved with negative balances reporting on my credit report even though they do not belong to me, They sold off the accounts and they said to call XXXX and dispute saying they can't do anything. I would like all these negative collections removed because they are not in my name and I have no recollection fo opening nay of these accounts.
06/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NE 68116	Web
Issue with : AFNI XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX They are calling me about a debt with XXXX communications that isnt valid. I called XXXX and my balance is XXXX. They keep calling and havent validated the debt. One of their employees lied to me and said they are a XXXX employee but when I called XXXX I was informed this wasnt true. I am ready to file a lawsuit.
04/13/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10453	Web
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
08/14/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 20874	Web
I recently reviewed my credit report in XX/XX/2020 and I found a collection account named AFNI. AFNI did not send me a notice of a debt. In fact, they do not even have my current mailing address. I have disputed this information with the credit bureaus. AFNI keeps closing and reopening this account on my credit report and re-aging it. AFNI is dishonest and less scrupulous.
04/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OH 457XX	Web
I have recently been monitoring my credit report and I noticed that a negative account had been added. I did not recognize the company that reported. I contacted the creditor and discovered it was a delinquent XXXX XXXX XXXX account. They did not contact me in any way whatsoever before adding it to my credit report. They refused to work with me or remove it from my report.
11/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	MI 48227	Web
I have submitted a dispute complaint with XXXX, XXXX XXXX, XXXX in regards to a account that is not minds and the account is reporting 3 different balances due. the company did properly investigate the matter. the only remarks on my credit report was the balance updated to the same amount and also dispute resolved. the did not follow the proper investigation per the FCRA,
09/22/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33063	Web
On XX/XX/2021, I received an alert from the credit reporting agencies that Afni added a new account on my credit reports without ever sending me a dunning letter. Plus, I do not owe Afni nor am I responsible for this alleged debt with XXXX. I need them to not contact me, close this account, and delete this account from my credit report. Account : XXXX Amount : {$390.00}
03/30/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	PA 196XX	Web
They sent mail to an address that no one under the name lives at and I asked to stop recieving mail and phone calls to which they said the mail would stop but would not stop calling me after I asked them multiple times to not call me anymore which is my right, this company needs to be taken down as a collection agency horrible agents over the phone got hung up on 3 times.
07/28/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 73112	Web
The collection that AFNI is trying to collect is {$250.00} and the original creditor is 11 XXXX XXXX. Previously this month thus collection was disputed by the original creditor and it was dismissed from my credit report only to reappear weeks later as an AFNI collection. I would like this removed as well as I didnt own the original debt so therefore do not own this debt.
11/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	OR 974XX	Web
I received a faulty telephone device from the company and when I tried to return the device I was informed I needed to return it to the manufacture and that I would be without a phone during this time I at the time could not be without a phone. I then went to another provider and received service I do n't feel that I should be responsible for payment on a defective device
07/07/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	SC 292XX	Web
A company named AFNI called me and stated that they were collecting a debt for XXXX XXXX XXXX. I have not had an account with XXXX XXXX XXXX for many years. I looked online and found several posts about AFNI attempting to collect fraudulent debt. I called XXXX XXXX XXXX and they confirmed I did not have an outstanding debt nor had they reported me to a collections agency.
02/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11226	Web
I received a letter in the mail from a company ( AFNI ) of which I had no prior associations with, alleging that I have an account with them and owed money. I sent a letter via certified mail on XX/XX/22 asking for validation of this alleged debt & I have yet to have had a response. This company is causing distress, harming my reputation & affecting my credit worthiness.
03/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MN 55449	Web
There was never any money owed to XXXX.. The collection agency has false information and will not work with me to try to resolve. They reported to the credit bureau and will not try to resolve or work with me on any of my attempts. its only {$220.00}. i offered to pay the amount just to get it off my credit. But they still will not make an effort to remove their mistake.
06/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 28205	Web
HAVE NO KNOWLEDGE OF THIS COMPANY NO WRITTEN NOTICE OF THIS COMPANY NEVER DID BUSINESS WITH THIS COMPANY NO WRITTEN NOTICE PROVIDED FROM THIS COMPANY NO PROOF PROVIDED FROM THIS COMPANY CONFIRMING THE LEGAL RIGHT TO CONTACT ME NO ORIGINAL PROOF NO AUTHORIZATION FROM THIS COMPANY THAT PERMISSION FROM MYSELF TO PROVIDE INFORMATION THAT THEY BELIEVE TO BE TRUE FROM MYSELF
04/08/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30241	Web	Servicemember
Numerous calls from various area codes threatening to place negative marks against my credit, even though they are fully aware that the balance is incorrect and I never had an account with them.Just different rude disrespectful operators continuously calling without being complainant to my wish to no longer be contacted resulting in changing a number I had over 5 years
07/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76133	Web
The company did not answer my question as to how is this account is mine. I asked where did they get my information and why did they put it on my credit report. I stated I have never heard of them and that I don't know anything about the debt they told me I had to pay it and them they hung up on me. the company is AFNI a debt collector. that refuse to give me answers
04/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 781XX	Web
XXXX XXXX has tried to collect a debt owed by XXXX XXXX for XXXX. My name is XXXX XXXX and I have never had an account with XXXX. They first tried to collect the debt through XXXX XXXX XXXX who filed a collection notice on my credit report with XXXX. I disputed the collection and it was deleted by XXXX. Now I am getting collection notices from Afni collection agency.
11/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23237	Web
Please see attached filed. My cell phone number was ported from XXXX XXXX to XXXX XXXX on XX/XX/XXXX. XXXX has continued to bill me as if I was a customer. I have been contacting XXXX to dispute the charges since XXXX of XXXX. Attached are bills going back to XXXX of XXXX. As you can see on every bill, ZERO data and gigabits were used for every month I was billed.
01/10/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 349XX	Web	Servicemember
This is the third time this company has placed a trade line on my credit report with out valid proof of debt or even proof they are authorized to collect. I have requested this information on 2 separate occasions. Once in writing and another by dispute. Both times this company was required to remove this information as they did not provide significant information.
08/03/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95205	Web
Received a letter from Afni Inc : based in XXXX , IL, stated that they are collecting a debt for XXXX XXXX XXXX XXXX for XXXX dollars. Called the XXXX XXXX XXXX to verify the debt, they said there is no collection or any balance owed for me. This letter is a scam. I also checked my credit report for this collection, it showed nothing negatively.
08/10/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	KS 66502	Web
I am asking to be removed from my credit report, because they received my personal information fraudulently. The received it from a company that was supposed to protect my privacy. I would like them to provide the 3 signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and XXXX XXXX.
10/18/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30350	Web
I have continuously contacted the debt collector who refuses my dispute of the validation of this debt. The representative could not provide me with validation as requested, other than a copy of a bill. I have continuously advised the collection agency that this debt does not belong to me, and request that the following debt be removed from all XXXX credit bureaus.
04/24/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OR 97030	Web
I recently got a call today from a company called XXXX I honestly have absolutely no clue what this is all about. When I tried to callback I get a automatic system robot not a actual human being. No actual person, or name or reference to what this is pertaining to. I do not have any outstanding debt from this so called company. Please inform them to stop calling.
02/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MI XXXXX	Web
I have called XXXX to have some inquires removed due to a server error. These inquires are as follows : XXXX XXXX XXXX XXXX XXXX via -XXXX XXXX XXXX XXXX XXXX via XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX Customer service would not take care of the negative inquires reporting to the credit report.
06/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 784XX	Web	Older American
I cancelled XXXX service but I paid a final bill of XXXX XXXX sent me another bill for {$100.00}. I put that bill into dispute with XXXX who later ruled in my favor. Since that time, XXXX collection agencies have tried to coerce me into paying. This last agency has tried to intimidate me by saying theywillnot contact me again but they are implying further action.
03/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN XXXXX	Web
I applied for credit and denied and upon like at my credit I notice this collection : AFNI/XXXX {$860.00} reflecting my credit report that does not belong to me nor did I apply for any credit with this company. I have contacted this company and XXXX about this issue and consisting receive the same frivolous response that is incorrect and fraudulent information.
08/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SD 570XX	Web	Servicemember
I was contacted by AFNI, Inc. regarding a debt allegedly owed to XXXX. This debt was previously handled by XXXX XXXX XXXX, and was discharged in a Chapter XXXX bankruptcy on XX/XX/2019. Apparently now, XXXX has contacted AFNI or XXXX XXXX Solutions has sold the debt to AFNI and they are now trying to collect on the debt that was clearly discharged in bankruptcy.
02/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	AR 72301	Web
I received an email informing me that a late payment had been listed on my XXXX report the morning of XX/XX/2017. The compsny was Afni, and before yesterday morning I had never heard of them. Later that same night, I received notification that the same company had also reported to XXXX. I was never contacted by this company to receive notice of right to dispute.
04/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30039	Web
I sent the company a letter asking for debt validation and I did not receive anything from them. I received a collection letter a week or two after I faxed the debt validation letter to them, as if they were just assigned the debt, which is not the case. I faxed another letter disputing the debt on XX/XX/XXXX and I still have not heard nothing from this company.
10/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30135	Web
AFNI Collections is reporting a debt on my credit report that is not mine. I recently checked my credit and noticed this debt on my credit file. I called immediately and told them this could not be mine as the original creditor was XXXX XXXX XXXX and I have never had an account with them. This collection is erroneous and needs to be removed from my credit file.
09/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98006	Web
Some company called AFNI has been trying to say I owe money for XXXX insurance. Which I dont think the common company known as XXXX is called XXXX insurance. They keep changing the time and debt amount. I have not been in a car accident nor had XXXX even the legit company as my insurance. They are only sending weird mail but hasnt tried to contact me otherwise.
12/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91423	Web
I have made several attempts via in writing and several calls to a firm regarding several accounts that were opened up in my name, which was fraudulently due to identity theft. I provided supporting documentation which included the following : 1. Affirm Identity Theft Victim 's Complain and Affidavit 2. Notary - Acknowledgment 3. Dispute Letter 4. Police Report
06/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 38141	Web
Collection company ANFI is trying to collect a debt of {$630.00}. XXXX is the alleged original creditor. XXXX was PAID IN FULL ... .. somehow ANFI is trying to collect a debt that is not owed. I sent ANFI a letter and did not get a response and this item is reporting on my credit report. Please remove/ delete this item from my credit report as soon as possible
03/02/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30213	Web	Servicemember
AFNI, Inc sent a letter stating I owed them {$280.00}. I sent an initial letter in XX/XX/XXXX asking for validation with my signature ; they never replied. On XX/XX/XXXX AFNI illegally placed a collection on my credit report. I sent a letter XX/XX/XXXX and requested they remove it immediately as I have never had any business or relationships with this company.
09/03/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33157	Web
I sent an initial letter to AFINI asking for debt validation. Attached is the information they have sent back, which frankly, is nothing. Furthermore, they have threatened to cease communication with me, as I am attempting to resolve the matter. USPS tracking for the first letter datedXX/XX/2019 : XXXX USPS tracking for the second letter dated XX/XX/19 : XXXX
01/26/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32246	Web
Back in XX/XX/XXXX company responded to complaint and said they would have item deleted off credit reports it has yet to be submitted to credit bureaus as I have already called and verified this with the bureaus. See attached documentation ... The only proof that they have supplied is statements from original creditor which is not Validation of a debt owed
05/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	UT 84081	Web
AFNI is reporting a debt on my credit file that I do not owe. I recently checked my credit and noticed this account on my file. I never received any phone calls or letters in the mail regarding this debt. As soon as I found out I called and paid it. AFNI stated that they would delete this account and send me a deletion letter and I have not received anything.
06/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NY 11102	Web
I called XXXX to find out the amount I owed them. They gave me that amount and I paid it, only to find out ( weeks later via a credit report ) that I had a collections notice for more money. They are n't getting back to me and I have tried to reach out and see if they can assist me in resolving this issue, but they are n't getting back to me with any options.
04/15/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 480XX	Web	Servicemember
XX/XX/XXXX. {$260.00}. I believe that this payment is insufficient for the services rendered due to services not working correctly. I would like the {$110.00} installation/contract fee reimbursed to my account effective immediately. I need to study for my Professional Exams, including XXXX XXXX possibilities for a scholarship in the summer of XXXX or sooner.
04/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 78665	Web
XXXX XXXX XXXX, they provided internet while I was in that address. I paid that last bill, which came to my current residence because I told them I was moving and where to send it. Why have I not heard anything until 2 years later? I moved out XXXX, 2014. What sense is that? Also, it does n't state why I owe, for what, a date, or any applicable information.
05/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 712XX	Web
XXXX failed to provide proper validation as an itemized bill does not constitute validation. This debt is alleged to be believed not to be mine because the name on this bill shows as XXXX XXXX and my only name is XXXX XXXX if they had properly validated this account they would have known that they names did not match and this account does not belong to me.
10/07/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92707	Web
For a very long time I have been in receipt of phone calls from this organization claiming I owe a debt that does not belong to me. They will not disclose any proof and since I have paid every other bill in my life exactly on time I am bewildered. They have refused to stop calling me both at home and at my workplace and claim to make there own regulations.
05/13/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AL XXXXX	Web	Servicemember
This debt was deleted off of my credit report over a year ago. This debt is old and they keep selling it to credit companies. It shows that it was created in a XXXX of 2020 and thats not correct. This is very very old debt that has been settled and deleted from my credit report and XXXX is illegally reselling and updating on my credit report incorrectly.
12/29/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 29461	Web	Servicemember
A Collection company by the name of XXXX XXXX continue to re-age an un validated bill on my credit report. When I talked with them, I was told that they had the right to do so. This bill is with XXXX and the date of delinquency is XXXX XXXX, XXXX. They are making it like I just opened the account, thus damaging my credit score every month. Please help me.
12/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32246	Web
I have sent debt validation letters to the company asking for proof of debt and have yet to receive a reply from any of the letters that I have sent via certified mailed. I first contacted them back in XXXX and recently I have found that they are not authorized to Collect Debt in the STATE OF FLORIDA WHICH REQUIRES THEM TO BE LICENSED, BONDED AND INSURED.
03/28/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94607	Web	Servicemember
XXXX allowed fraudulent charges to amount to {$1000.00} for service to an address I 've never lived. I thought the matter was settled with XXXX, I sent them : 1. Police report 2. proof of residency during the time the charges happened. 3. proof of employment 4. a " fraud packet '' They then sold my debt to a collections agency that just sent me a notice.
02/13/2017	Yes	Credit reporting	Incorrect information on credit report Information is not mine	IL 60565	Web
This AFNI Inc Account does not belong to me. AFNI Inc informed me that this account was charged off my XXXX in XX/XX/2008. AFNI Inc has not provided any documents in regards to this Account.Please ask AFNI Inc to remove this account from my credit reports as this account is almost 9 years from the date of the charge and this account does not belong to me.
06/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11722	Web
the following accounts appear on my credit report, without any authorization, it is hurting me, please review them XXXX XXXX XXXX XXXX. Account Number : XXXX This is not mine. XXXX Account Number : XXXX This is not mine. XXXX XXXX XXXX XXXX XXXX. Account Number : XXXX This is not mine. XXXX XXXX XXXX, XXXX. Account Number : XXXX This is not mine.
05/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 34990	Web
On XX/XX/XXXX there was a new collection account added to my credit report from AFNI, Inc for {$62.00} due to XXXX XXXX. I have not had an XXXX XXXX account in well over 3 years. My account was always paid in full, never late. I have XXXX for my cell phone service for over 7 years and never an issue. This is not a legitimate account that I owe money to.
04/19/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 38118	Web
I pulled my credit report and saw that I have an account on my credit file from AFNI account number is # XXXX with the amount of {$160.00}. I asked this company to send me VALIDATION that this account belongs to me and they sent me VERIFY I didn't ask for. I would like for this account to be DELETED from my credit file for this debt doesn't belong to me.
02/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28216	Web
I have consistently disputed this creditor and have successfully deleted this creditor from my credit reports, however after about a month or so it pops right back up on my credit report. This is inaccurate information, I have never used XXXX services for anything. I have been working tirelessly to correct the inaccurate information on my credit report.
04/18/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33313	Web
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
05/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 331XX	Web
In XXXX 2015 a collection agency called XXXX XXXX XXXX reported to the Credit Agencies a debt collection for the amount of {$470.00} from XXXX which a disputed and reported to CFPB and it was resolve. In XXXX 2015 a new debt collection agency called AFNI is trying to collect the same debt of {$470.00} from XXXX and reported to the credit agencies again
12/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30350	Web	Servicemember
AFNI has failed to send the legally required validation of a debt currently reporting to the three bureaus. I have notified the company that their actions are detrimental to me and that the company has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act.
01/17/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MA 010XX	Web
I was going to start a cell phone plan with XXXX ( XXXX ) then they tried to say I wanted home internet when I didnt and never even sent me the SIM card that I actually did want. Since thing started out badly I decided to go with another provider. Now they want XXXX $ even though I never even had service with them. The debt is now with Afni for XXXX $
05/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30033	Web
I received notice dated XX/XX/2018. There is a company called Afni collections. I tried to email this company for proof of account, and to remove it off my credit report due to this is fraudulent. The email dress is not accepting Emils, says do not exists. It has an count number of XXXX creditor is XXXX. I looked up this and have no clue what this is.
11/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33311	Web
I received a letter in the mail dated XX/XX/XXXX from AFNI regarding the collection for a XXXX account. Before I could have the chance to dispute the collection and obtain validity the company placed it on my credit reports XX/XX/XXXX. Normally you have 30 days to obtain validity with the company. This was my 1st notice I have ever received from them.
11/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38115	Web
I opened my credit account on XX/XX/XXXX when I was notified that I had a XXXX doll in outstanding balance in collections from A company name AFN I have no knowledge of an I suppose to open the account on XX/XX/XXXX! But thats impossible.because I have not opened an account or made any arrangements with anyone to make any payments during XX/XX/XXXX..
08/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 75032	Web
Afni, Inc. purchased a disputed debt from another debt collector. The debt status as disputed was known to Afni , Inc . The debt was removed from my credit reports because it was disputed and legally not owed. Despite the foregoing, Afni, Inc. submitted false statements to the consumer reporting agencies falsifying that the debt exists and is owed.
05/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 708XX	Web
I noticed a collection account on my credit report that is NOT affiliated with me. I have contacted both the original creditor and collection creditor to dispute this information and get it removed from my credit profile, but I have not been able to get any answers. Everyone has just been giving me the run around or the phone call gets disconnected.
08/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 49022	Web
I sent a letter to letters of disbute to XXXX, XXXX XXXX and XXXX in regard to validation of a debt that was originally XXXX XXXX XXXX XXXX and assigned to AFNI, Inc. I send the letter on XX/XX/2018, I asked for that they proved the original contract that was signed in regard to this cell phone account to validate the debt. I have not received that.
10/03/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS XXXXX	Web
I have been back and forth with this company, XXXX, XXXX They have agreed to delete and then every other month they add this debt in the amount of {$520.00}, not owed by me back on my credit report. I do not owe XXXX XXXX XXXX XXXXe nor have I ever set up any service with them. This is messing up my credit report and I do not appreciate this period.
02/12/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	FL 339XX	Web
This is again the same dispute over and over see confirmation of payment XXXX// I faxed this information to you onXX/XX/2015 with a copy of my driver license bank statement when it was paid I been having to do this every 14 months the day of payment was made XX/XX/XXXX {$85.00} it was under the name XXXX XXXX it will faxed again if need it thank you
05/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MT 597XX	Web	Older American
I do not owe this debt. I did not create this debt. I would not have needed alltel in 2010 because it would not be good coverage for XXXX XXXX, Mt, where I lived, nor did I need alltel as my home pH has been XXXX XXXX XXXX for XXXX years plus. Please contact me at the XXXX year old number. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, MtXXXXXXXXXXXX
01/19/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29406	Web
The week of XXXX XXXX I sent verification/validation to XXXX XXXX, and XXXX for the collection agency AFNI. I received a letter from XXXX around XXXX XXXX staying the debt was validated but I did n't recieve any contract or documents showing the debt was mines. I never received anything from XXXX or XXXX but it 's showing Meets FCRA Requirements.
08/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 71220	Web
Asked Afni to validate the debt, not verify the account listed on my credit 3 credit reports. All I received back was a statement that account was verified accurate. I received nothing visual such as ; a date listed as to when account was opened, what address the services were rendered nor a signature to validate their justifiable cause to report.
03/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77590	Web
Contacted both companies on XX/XX/2018 and several times before this. I have try many times to explained to them that I have been a victim of identity theft for many years and this account those not belong to me. I have submitted police reports and much information need and it's still being charged to me and place on all 3 credit report agencies.
08/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30265	Web
This letter is to inform you that the account in question was settled on XXXX XXXX 2016 with AFNI/XXXX. I have enclosed copies of the settlement letter and proof of payment. You now have proof that this debt is no longer collectable, therefore I demand that you remove this account, and all references to my personal information, from your records.
05/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	ME 039XX	Web
The IRS reported my info hacked in XXXX. I looked at my credit report on XXXX and saw a collection notice for a XXXX account I never had. I disputed it and it was removed. Now I have received a letter and phone calls from this outfit Afni, Inc. of XXXX, IL. Evidently this is the standard operation from the number of complaints I quickly found.
03/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	FL 33615	Web	Older American, Servicemember
AFNI is a collection agency attempting to collect a bill from XXXX XXXX. I submitted a letter under the fair debt collection practices act, Public Law 95-109, Section 805 ( c ), requesting to stop communications and to remove any derogatory information in my credit report. They have refused to remove derogatory information from my credit report.
02/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IN 46077	Web
Rec 'd an alert from XXXX advising that my credit score decreased by XXXX points. Referenced my report and found an account that was sent to collections by XXXX XXXX XXXX for a service that I did not incur. This fraudulent account was apparently set up in XXXX of 2022 by someone who stole my identity. This same thing transpired in XXXX of 2022.
08/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32818	Web
I have a loan with XXXX XXXX XXXX, AFNI , XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX XXXX, AFNI , XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
10/27/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27615	Web
This company is reporting an erroneous " paid '' collection account on my credit reports. This not mine. When I disputed the account through the credit bureaus it came back " verified ''. I then sent this company a letter on XXXX XXXX ( please see attached ) and they ignored it, yet they are still reporting the collection to the credit bureaus.
02/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07208	Web
I paid off a debt to a collection agency named AFNI and the credit bureau XXXX refuses to remove it from my report. I also paid off my XXXX account and they continue to say it is delinquent. I have proof of payment for both of these debts. And the credit bureaus continue to ignore this and refuse to remove these accounts from my credit report.
01/27/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 46342	Web
On XXXX I received a XXXX bill from XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX. On the statement it stated that I have until XXXX XXXX to this dispute. I looked on my credit report on XX/XX/XXXX they reported on collections without giving me a chance to dispute this according to the XXXX XXXX This is violation of my consumer rights.
12/01/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89101	Web
This collection appeared on my credit report from a company I have never heard of. I have contacted them and asked for proof of the debt and have not received any information, only a demand for payment or they will leave it on my credit. It is severaly impacting my credit score and I feel as if I am being extorted for money that I do not owe.
06/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 95821	Web
I opened an account with XXXX and was unsatisfied. I returned the phone within 2 weeks, which was the time frame I was given. I returned all the materials they gave me along with the phone and was given a refund receipt. A couple months later I get a call saying that I owe XXXX {$800.00} because they still think I have the phone. Please help.
07/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30253	Web
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
08/12/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33024	Web
Im filing a complaint against AFNI on a old XXXX account. A representative from AFNI told me if I paid XXXX $ and settled a debt that they would delete this account from my report. That call was monitored and recorded and I would like a investigation to be done and for this creditor to stop tell consumers fans statements. This is horrible.
05/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30274	Web
On or about XX/XX/2019. I was contacted by a collection agency AFNI Inc . They sail that I owed XXXX XXXX {$410.00} which I explained I'd never had service with this provider in return they keep calling daily and the outstanding balance still remains on my credit report or shows that the account has been paid depending which agency you use.
08/31/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30058	Web
This debt was attempted to be collected by Afni last year they could not prove I owe the debt because I do not owe the debt had to be removed from my credit report. They have since sold the debt after removing it a month ago to XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX for {$1200.00}. They are now reporting this bogus debt to my credit report.
08/21/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30253	Web
Attempt to contact collector several time within months of XXXX until XXXX to have closed account due to fraud remove from my credit but I was told can't find account. called and spoke with someone diffferent and was told in XXXX it will be removed by XXXX however account has not been removed and unable to speak with anyone to confirm why.
08/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 34293	Web	Older American
The cable company XXXX XXXX has sent XXXX different collection agencies after us on a bogus bill ( although they keep changing the amount owed ). The bogus bill concerns cancellation costs that we were assured would not occur when we took out the contract. The first collection company accepted our documentation, but the second persists.
02/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33033	Web
I have a company name AFNI a debt collector company I agreed to settle less than the amount on the account & I paid this amount off in XXXX & they refused to removed their information from my credit profile!! I event sent the letter to the credit bureau showing I paid off this debt collection, All XXXX credit bureaus didn't do anything.
02/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 390XX	Web
I am a victim of identity theft. Please delete or remove these items on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.
01/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33311	Web
Notarized Affidavit of Truth was sent via postal mail along with certified receipt to AFNI INC along with Exhibits stating violations per USC 1692d ( 1 ). AFNI INC is furnishing inaccurate information on my reports, ruining my reputation and causing defamation of character, resulting in not being able to get a home and financial crisis.
09/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 74008	Web	Servicemember
I have no idea what this debt is or whom is it with. I have tried to validate the debt and I still am not told whom the debt it with. The debt will be removed from me credit report. Then a month or two later it is placed on with a new starting date that starts the statute of limitations over ... .on a debt I know NOTHING of. AFNI, INC.
05/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98373	Web
AFNI, Inc. sent me a collections notice. This debt does not belong to me. By law, a debt collector is required to validate that this debt is mine ( via a contract ) before they can report the debt on my credit report. Because this debt is not mine, I know these procedures were not followed and is causing unjust harm to my credit report.
04/15/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	NJ 07008	Web
XXXX states I have a debt of {$410.00} from AFNI. The Creditors Contact Details : AFNI XXXX, IL XXXX. I called the telephone they provided at XXXX. I spoke to a person by the name of XXXX. She checked for the debt via Name and/or Social Security and could n't locate the debt. Can you help me resolve this issues. Thank you for your time.
04/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77079	Web
I have an account on my credit from AFNI # XXXX in the amount of {$260.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this acct belongs to me. if they are unable to provide documentation I want this removed from my credit immediately.
08/14/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33322	Web	Older American, Servicemember
Original account was XXXX for cable service. Service was discontinued and all equipment returned. My account was turned over to Afni, Inc and XXXX XXXX in the amount of XXXX related to equipment fees, even though all equipment was returned to XXXX. Both companies have been unresponsive and reporting collections on all 3 credit bureaus.
03/04/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37013	Web
I 'm a victim of identity fraud. I recently checked my credit and received notification from this company that an account was opened in my name. Upon calling the company we were able to ascertain who opened the account in my name and they have contacted the individual and currently in the process of handling the matter with that person
02/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MI 49442	Web
AFNI reported on XX/XX/XXXX, an account that is from XXXX ( Originally from XXXX XXXX XXXX ) for {$250.00}. I disputed the account with AFI and XXXX but got nowhere. It should not be in my credit report, but keeps showing up with new dates. They will not remove it from my credit report even though it's past the statute of limitation.
04/01/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32259	Web	Servicemember
Recieved a debt collection letter dated XXXX claiming I owe $ XXXX XXXX XXXX. I have no knowledge of this company nor have they tried to reach out to me in any way. File XXXX Claim # XXXX. I am not liable for anything to XXXX XXXX or AFNI. I have never heard of this company XXXX XXXX and there is no loss data included in this letter.
04/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	SC 29642	Web
i was looking at my equifax report. it shows that i opened an account with XXXX on XXXX my bill due is {$370.00}. I have not had XXXX in over a year and i had it for atleast 5yrs. I do not believe that this bill is mine. I was with them for almost 5 years and never sent in a late payment or have ever been contacted for having a bill.
04/09/2022	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	TX 78640	Web
XXXX XXXX bank called me on XXXX XXXX and on XX/XX/XXXX. I haven't heard from them in two years and now they put the debt back on my credit report again when they took it off my credit report back in the year 2020. They are going to repeatedly call me just like they did in 2020. My credit score dropped dramatically because of them.
08/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	ID 83301	Web
AFNI INC has been placed on y credit as a collection account for the amount if {$5000.00} Acct # XXXX that has been disputed and report to FTC and CFPB and police report was filed. I t was removed and it now has been report it to my XXXX credit report, This account is fraud and im requesting it be removed from XXXX credit report. f
07/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30013	Web
ON XX/XX/2018 i contacted XXXX XXXX ( AFNI, INC ) in regards to a total amount of {XXXX} debt stating I owed to company. I have explained to company this debt is falsely verified and is not mines. Company insisted rudely that i pay this debt. I do not have a contract with XXXX XXXX, and i am not liable for NO debt with this company.
05/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 20171	Web	Servicemember
This account was previously listed by another company about a year ago and as the result of a dispute, the account was removed from my credit bureau reports. The account has since been sold, again to AFNI who has attempted to re-age the account and has not made any attempts to verify or validate this debt in the amount of {$550.00}.
01/08/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 32810	Web
After Looking at my credit report I see that Afni , Inc is still Reporting inaccurate Information to the Credit Bureaus. I have ask for proof of Debt from Afni , Inc XXXX XXXX, IL XXXX RE : Account # XXXX Under Fair Credit Report Act XXXX & XXXX. without a response. To my request. And they continue to report inaccurate reporting.
07/17/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	MO 647XX	Web
Called looking for a individual that does not have access to the phone number they are calling. Afni has been advised on multiple phone calls this is a wrong number and they continue to call. I have received to date 4 calls from afni and each call I have asked them to remove my number they disregard and continue to harass and call.
02/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84010	Web
XXXX # XXXX is reporting a collection account that I should not owe to my credit. This was for a set of furniture I never received and now they are trying to collect on it. I do not owe this, I never received the furniture this was for and I should not owe money on something I did not get. This needs to be deleted off of my credit.
03/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 349XX	Web
I have written to this collection agency numerous times disputing the validity of the debt and requesting proof of validity of the debt. They have never responded with any type of proof. The statute of limitations are passed. The company continues collections practices even though they received the dispute in writing several times.
04/06/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	OH 45042	Web
On XX/XX/XXXX, I seen a debt collection from an AFNI in the amount {$1100.00} I did n't receive any type of notice of who this debtor/collector is and why was it just added to my report, this a direct violation of the XXXX. I 'd like this to be removed from both my XXXX and XXXX report, as I am trying to buy a home this XX/XX/XXXX.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77545	Web	Servicemember
15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer report plan as late for purpose.
03/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 15001	Web	Servicemember
I do not have a contract with AFNI. I am not liable for collection. This debt is from XXXX XXXX XXXX. This debt is also 7 years old and pass the PA statues of limitation. I am not responsible for this debt. It is for {$1500.00}. I filed complaints with the credit bureaus and will also be filing a complaint with the XXXX XXXX XXXX!
01/31/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV XXXXX	Web
AFNI company sent me a collection notice trying to collect a debt of {$1600.00}. I do NOT have a contract with AFNI, and I am NOT liable for this collection for this debt from XXXX. I am requesting that AFNI cease and desist all collection attempts. I do not have any accounts with XXXX either. I am also a victim of identity theft.
12/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN XXXXX	Web
Afni is reporting a debt from XXXX on my credit report. I have requested this account be verified through letters to the Credit Bureaus, dated XX/X/17. This debt was removed from my XXXX report, therefore not verified, however it continues to come back as verified through XXXX. I have no knowledge of this account belonging to me.
06/20/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 48088	Web
AFNI calls repeatedly and harasses you and will threaten you. I have sent in paperwork to show proof of fraud but they still harass me and do n't care that the debt is not mine. I have asked for proof and validation on several occasions and still not received anything except for more harassing phone calls and demands for payment.
07/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MN 55345	Web
I disputed a debt that I do not owe with AFNI within the 30 days of the 1st notice. They sent back a letter to me that was basically another bill..yet put the account on my credit report right away. I asked again and they provided a validation after the 30 days. The amount is not owed. Equipment to the cable company was returned.
06/04/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	GA 30062	Web	Servicemember
XXXX is reporting on my credit file and should be remove must be removed this a collection account it they only have 180 day from the time they get the file assigned to a collection account to be on my credit on top of that it was charged of and a medical debt that was paid by insc. this account can deletd for any and all reason.
03/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called after sent written cease of comm	OR 97060	Web
I cancelled a contract that dish network forged my signature on. They say I owe them money, but I do n't. Anfi started calling me last month. I sent them an e-mail on XX/XX/XXXX telling them to stop. They did for awhile, but now they started to call again. I am going to sue dish in court very soon and this will be settled there.
04/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	AZ 93534	Web
I learned from a recent credit report that AFNI is showing as a collection account and is trying to collect a debt in the amount of {$150.00}. This is the first time I have heard of this company or this debt. I was never sent a notice of right to dispute nor have I been contacted by mail or telephone regarding this alleged debt.
06/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94607	Web
AFNI is wrongfully reporting inaccurate information to the credit bureaus. This item was already removed from all three major bureaus as a result of the account being fraudulent. AFNI is violating my rights for their own financial gain and I am livid! Litigation will be filed towards the company if this harassment doesn't stop.
06/11/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 913XX	Web
A company named Afni, Inc has been bugging me by calling multiple times to over the phone an dnow by sending me collection notice for an account I never owed. Each time they failed 'The Verification of Debt ', my name, my address and the account number. It has been asking me to give my social security number too which I denied.
05/31/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 35401	Web	Servicemember
I contracted AFNI collection agency to inform them a debt was created in my name but I held no lease in the home. Ive spoken with XXXX XXXX XXXX and they are stating its me even though they have verified me not living at the said address. I would like this off my report I cant even get service with that company because of this!
04/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 751XX	Web
Do not owe this amount to whoever AFNI Debt Collection Company that represents XXXX XXXX. I talked to the CEO 's Assistant and the individual told me he would settle my account for a lower amount than this. If XXXX XXXX changed those terms they never notified or made that agreement with me. I do not owe {$160.00} to XXXX XXXX
07/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28213	Web
I have contacted this company about this account that they are reporting and trying to collect. I have never had service with XXXX XXXX XXXX and I have stated that to the debt collection company, and they continue to respond with XXXX XXXX XXXX information. I have also contacted XXXX XXXX XXXX and they can not find such account
09/15/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30034	Web
This credit collection agency states that I owe XXXX for a bill that is n't mine. I have never received their services ad furthermore I was a minor at the time of this service. I contacted the collection agency on XXXX17 and was told it was mine and anyone could have gotten it in my name. Well duh is n't that identity theft????
06/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA XXXXX	Web	Older American
XXXX charge me for service and product for that they erroneous duplicated. They sent me XXXX modems and XXXX different phone numbers. XXXX I used for year and half and other modem I sent back. I have tried to get this corrected since the service started om XXXX of 2013. They claimed I owe them {$350.00} for service I never had.
09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75219	Web
There are incorrect dates shown in the screen shot. Showing different dates for last active and when it was opened. I have not supplied proof under the doctrine of estoppel by silence, Engelhart V. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist
12/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 32746	Web
I requested a method of validation on XX/XX/2022. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA.
11/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48228	Web
Has on collection open on XX/XX/2022 for the amount of XXXX which I never open an account the pasts months. I have another collection open in XX/XX/2022 for the amount of XXXX which I say again havent open any account in the past months. I called XXXX and direct me to the complaint to get rid of those accounts off my credic
02/04/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AL 354XX	Web
AFNI has been reporting a {$51.00} collections account on my credit, every month, on the XXXX of each month ... for SEVERAL years now. Attempts to contact the company for an explanation of what this debt is even from has been completely unsuccessful. I have received or seen ZERO documentarion on where this debt is even from.
05/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33617	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
09/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 432XX	Web
I was going over my report and found XXXX XXXX # XXXX listed on my credit file. I have never seen this account. I have no knowledge or memory of it. I am demanding a investigation of this information. I need to do my own research as well. I am requesting a CEASE AND DESIST until I can further go over the records or contracts.
03/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33025	Web
To whom it may concern, I obtain a copy of my credit report and notice there as collection accounts that I have no knowledge of : Afini Inc, and XXXX XXXX XXXX. I did not have or requested any credit from these companies. I reach out to them and still they failed to send me verification of any documents bearing my signature.
03/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web	Servicemember
I received an updated credit report with a " new '' collection added. Afni, Inc added a collection on my report in the amount of {$91.00} that was re-aged. This account has been re-aged and is falsely reporting to two of the three major credit bureaus as of today. They are in violation of Section 623 ( 5 ) ( A ) of the FCRA.
01/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 27591	Web
AFNI is reporting that I owe XXXX {$1400.00}. This account could not belong to me, as it was opened when I was still a minor. I have contacted AFNI on several occasions to alert them of their error, and even disputed this account with the credit bureaus. Unfortunately, AFNI will not remove this mistake from my credit report.
01/23/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30253	Web
Afni Inc has placed a fraudulent trade line on my credit report in order to extort monies from me that I do not owe. I have ask repeatedly for Afni to validate the debt per the FCRA/FDCPA and they have failed to do so. There negligence is causing me personal injury. Bogus account number listed on my credit reports is XXXX
03/19/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07104	Web
someone stolen my identity to obtain credit, fraudulent open accounts under my name to were open to obtain credit, fraud accounts are XXXX XXXX XX/XX/XXXX {$1000.00}, XXXX XXXX XXXX XX/XX/XXXX {$980.00}, XXXX XXXX XX/XX/XXXX {$610.00}, XXXX XX/XX/XXXX {$6400.00}, XXXX XXXX XXXX XX/XX/XXXX {$540.00} and a XXXX credit card
12/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76049	Web
The phone company XXXX had agreed to close the account due to a family member that was over the line that passed. The account was closed and I was contacted by a debt collector. I then resolved the debt with them and another debt collector got hold of the XXXX bill and now I have XXXX of the same debts on my credit report.
02/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30088	Web
I have been receiving calls from Afni for years now about equipment that has been returned. I have disputed this on my credit reports and it keeps coming back. The last time I spoke to a representative she could not tell me any information about the debt just wanted my credit card information. They call 5 to 10 times a day
08/10/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75115	Web	Servicemember
Consumer Financial Protection Bureau Complaint # XXXX Filed : XX/XX/2019 XXXX and XXXX XXXX has used AFNI, XXXX XXXX XXXX, XXXX ( Collection Firms ) to attempt to make a collection for incorrect amount. Each time creating a decrease to my credit report. The Creditor : XXXX & Creditor Account # : XXXX XXXX Account # : XXXX.
07/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39209	Web
Identify theft Amount : {$340.00} Collection : AFNI, inc Contact : XXXX This dispute was settled. I was a victim of identity theft. It was settled with XXXX XXXX by phone XX/XX/2018. Myself, XXXX, and XXXX XXXX was on 3 way. I don't know why is this showing on my credit report. It should not be in collections. Please help!
06/19/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 80127	Web
Noticed this on my credit report and descreased my score substantially. I dont have an account with AFNI. XX/XX/2021 Major Derogatory AFNI, INC. It looks like your account with AFNI, INC. received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer.
06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37209	Web
After reviewing my most recent report, I discovered some items for which I had never applied or received any correspondence. A bill sent without a signature does not suggest that the debt is legal, and anyone can claim ownership of a bill. Be warned that this is an effort to violate FDCPA 1692, which is a federal statute.
03/02/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MA 02760	Web
I have attempted twice to have them validate the debt. They sent me a bill. which stated I was past due from XX/XX/XXXX. The Account they were attempting to collect was over 5 years old. They did not respond to my second request sent Certified mail. # XXXX received XX/XX/XXXX they failed to respond in the 30 days.
03/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	WI 53188	Web
I saw that I had a derogatory account with AFNI INC for a bill from XXXX XXXX XXXX reported on XX/XX/2020. I called them to dispute it, but they would not remove it from my credit report. The total amount was {$340.00}. I then called XXXX XXXX XXXX and got a number certifying that it has been paid. That number is XXXX.
08/07/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60201	Web
Afni, Inc reported un-verified and Inaccurate information to my credit profile which is in violation of FDCPA, FCRA and Consumer Laws for the account XXXX {$320.00} which they are not authorized to do since no Contract between Afni, Inc and myself exists, they are also in Violation of Copyright Laws attached to this name.
07/26/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30528	Web
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as DOB or SSN in order to appear in your credit file. The credit bureau has not updated this information and per the new law the debts listed do not include this information and should be deleted from my credit report.
04/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	AZ 85719	Web
AFNI is reporting a debt on my credit file. I recently checked my credit and notice this debt. I have never received any phone calls, letters, or any notifications. I called immediately to find out what this was regarding to and paid the debt. Afni is in violation of my 30 day right to dispute. I never received anything.
10/02/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL XXXXX	Web	Older American
This is the 5th collection agency that was contracted by XXXX to attempt to collect.Please see attached letter from AFNI, all 4 of the previous collection agencies were never able to verify the debt. Please refer to my original complaint XXXX XXXX That was the 1st three, than the 4th, XXXX XXXX see complaint number XXXX.
06/04/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43068	Web
I was going over my report and found AFNI # XXXX listed on my credit file. I have never seen this account. I have no knowledge or memory of it. I am demanding a investigation of this information. I need to do my own research as well. I am requesting a CEASE AND DESIST until I can further go over the records or contracts
10/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53215	Web
I discovered that my credit report had collection accounts as a result of identity theft. I have made several attempts to correct this issue with each collection agency. I have tried con tacting XXXX XXXX XXXX, AFNI, XXXX XXXX, and others about the illegal accounts but they ignored me. I made the attempt on XX/XX/2022.
08/26/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60615	Web
I have absolutely no knowledge as to who this company is that put a collection on my report. This was a past due account with XXXX that I paid in full directly to XXXX. This collection should have never been placed on my report as a collection as it was a delinquent XXXX bill that I paid directly to XXXX on XX/XX/2019.
11/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 959XX	Web
AFNI is reporting to the XXXX major credit bureaus ' negative information about an account that I did not open. I sent them a request for a validation of the debt and they did not respond within the 30 days required. I have disputed this error to the credit bureaus ' and AFNI continues to keep this on my credit report.
12/30/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76063	Web
AFNI at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX has been sending me collection notices in the amount of {$4400.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
06/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60443	Web
After I reviewed my most recent report I found an items that I have never applied for nor have any communication. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. Be aware that this is an attempt to a violation of the federal law under FDCPA 1692.
07/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
I had moved out and cancelled XXXX home internet service. Months later i find out i was sent to collections for not paying the bill at a place i did not live at after moving out. Also there was a previous case of this debt being reported by another company and that was resolved earlier on XX/XX/2018 cfpb Case # XXXX
06/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NH 034XX	Web
I just received a statement from afni, a collection agency stating that we owe debt to XXXX in the amount of {$1200.00}. We have not used XXXX in over 10 years and when we terminated our service with them, we were current, owing nothing to them. I believe it is a fraudulent account as we simply do not owe this money.
05/09/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 302XX	Web
On XX/XX/2021 i sent AFNI a letter by certified mail stateing that i had no knowledge of the debt that they were asking me to submit for me to pay. I have never had no accounts with XXXX XXXX XXXX ever. And for a 3rd party company to reach out and constantly harassed me by mail and phone has be totally unacceptable.
05/11/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA 91406	Web
XXXX XXXX XXXX , account # XXXX was disputed then removed from my XXXX credit report on X/X/2016 . It was also disputed then removed from my XXXX credit report on X/XX/2016 . XXXX XXXX XXXX sold the removed collection accounts to XXXX , account # XXXX , and it is harming my credit score.
07/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 100XX	Web
To whom it may concern, AFNI has decided that I owe XXXX XXXX XXXX {$270.00}. XXXX XXXX XXXX has said they have no knowledge if this account and this is fraud. I received no communication from them and the bill juts appeared on my report. I have had the same XXXX phone number for 22 years and my account is current.
02/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48235	Web
I've pulled my report and find an XXXX XXXX account on it. I never had it. I have no bills with them. Please have this taken way. They say I owe {$290.00} on my credit report. Have them stop it please. I will not attempt pay them unless they can " prove '' I was a customer. Do they have phone records? NO. I was not.
11/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	ID 838XX	Web
This is an addendum to case # XXXX As previosly stated XXXX promised to manually remove and close account from their system. On XXXX XXXX, 2015 I received a collection letter from a company called " afni '' located in XXXX, Illinois requesting payment. So XXXX account was forwarded afterall.I demand monetary relief.
01/06/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AZ 85015	Web	Servicemember
As I was checking my XXXX XXXX account i noticed that a collection account had been added to my credit bureaus. I never received any type of notification from AFNI which would allowed me to dispute the account. They claim the account was opened XXXX of XXXX and I have n't had a cable tv/internet account since XXXX.
06/29/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 334XX	Web
I reviewed my credit report and found this company listed I never received an official notice pertaining to this debt. I dont any contracts with this company and dont know who they are. I sent a dispute letter and still received no response from them. Just a update to my credit profile which is still inaccurate
09/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75150	Web
I do not know these accounts. These are hard to understand why they are appearing in my credit file without any identification and has a lot of missing information. I demand an investigation as to who is using my name and my information and using it to get services that will turn out in collections in the future.
06/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA XXXXX	Web
I have sent a ID Theft letter and police report several times to this debt collector and they refuse to remove this debt that was involved in identity theft and are attempting to collect a debt that was involved in identity theft. The account is under the name XXXX XXXX for XXXX XXXX. I have never used that name.
08/28/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63043	Web
Disputed with the company on XX/XX/2018. The company received my dispute on XX/XX/2018 as it shows according to the certified mail. It is now XX/XX/2018 and I have yet to receive back valid information that was requested from the company. The FCRA give the company 30 days to respond, I have not gotten a response.
05/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90806	Web
In accordance with the Fair Credit Reporting act XXXX AFNI, INC., ACCOUNT- XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
05/22/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA 92627	Web
I received a collection notice for the astronomical amount of {$3200.00} in insurance case where I was the victim from XXXX XXXX insurance and ANFI. I have filed a complaint with the state insurance office who regulates XXXX XXXX insurance and have a bill from XXXX XXXX and the car company thats says I owe XXXX.
02/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MS 38801	Web
On XXXX XXXX 2016 I received a call stating I owed XXXX to XXXX from afni. I called XXXX they have NO record of me as I have NEVER had XXXX. Now on XXXX XXXX I received a bill from afni and XXXX verified I had no responsibility to this! afni XXXX XXXX XXXX XXXX XXXX XXXX XXXX il XXXX is the address on the notice
08/27/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MI 48180	Web
my delinquent account is with AFNI Collection Inc. i am regularly paying {$50.00} a month no payment short but still i received calls from their office ask me to verify my DOB or SS. I told them aim paying as agreed and no payment is short then why i am receiving call. But they just have a good day and hang up.
06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33614	Web
I am sending this comnplaint on my behalf. I looked at my credit record and it contains unauthorized item. They have not responded to the letters since I sent themover 30 days ago and they neglected to get back with me with sufficient validation. Please help me regarding this matter. I'm seeking litigation!!.,
07/03/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IL 60543	Web
AFNI , INC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX has been sending collection notices in the amount of {$280.00}. The collection has been reported as pasted due balance. i do not know this company. i have never done any business with this company. this company does not have a contact with my signature.
02/23/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33193	Web
I reviewed my credit report and observed that AFNI conducted a hard hit inquiry that I did not authorize. AFNI has previously attemted to collect a debt that is not mine. After I filed a complaint with the Consumer Financial Protection Bureau, AFNI withdrew from attempting to collect a debt that I did not owe.
05/24/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95076	Web
This number ( XXXX ) has called my father multiple times in the past two months! how can it be legal for them to harrass my poor father who works as a bread route driver has called my father 5-6 days a week? unreal! they call asking for me. Also I have never used his number in any bank or credit applications.
07/24/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 480XX	Web
Accounts - XXXX, XXXX, XXXX were closed due to identify theft but for some reason they are still in XXXX XXXX XXXX XXXX System and they keep harassing me over it. Called AFNI and XXXX XXXX XXXX said they could not talk to me about accounts. Just want these taken care of and proof that they were taken care of.
03/22/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	WA 98404	Web
I received a call regarding a debt which is not valid. The debt collector stated, and repeated, then confirmed that if I did not pay this debt I do not owe, or provide information from my insurance company, they would file a complaint with Washington State Department of Licensing to have my license suspended.
03/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 43231	Web
I received a notification that an account that I had disputed was still on my credit report even after the company never responded from my original complaint over a year ago. AFNI Afni , Inc . XXXX XXXX XXXX XXXX, IL XXXX i NEVER DONE BUSINESS WITH THIS COMPANY. The account from XXXX has never been verified.
08/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 76013	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days. I am also aware that the credit bureaus have been given and additional 15 days due to Covid-19 to reply to investigation. That time frame has also pasted. I haven't received any investigation results.
07/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29607	Web
In accordance with the Fair Credit Reporting act XXXX account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A. Section 2 : it also states the consumer reporting agency can not furnish a account without my written instructions.
04/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91001	Web
This company is tried to collect on an alleged debt that was already paid and already removed from all three bureaus of my credit report. I have never heard of this company, nor their attempts to collect this alleged debt until I received notice from my credit monitoring service that I had a new collection.
05/25/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 29301	Web	Servicemember
AFNI is trying to c ollect a bill from XXXX XXXX XXXX in the amount of {$440.00} which is incorrect. My assigned acct # wit h AFNI is XXXX . XXXX XXXX XXXX continued to bill me after my request for the service to be cancelled. Then sent this erroneous amount to a collector. THIS IS WRONG!!!!!!
11/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60637	Web
I recently pulled my credit reports and noticed 3 XXXX accounts in collections. I have not had a XXXX account in over 10 years. The addresses that are linked to these accounts are addresses I have never resided. These accounts are causing constant denials for credit and are hindering my homebuying process.
07/01/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OK 731XX	Web
AFNI is refreshing an old debt, every time I dispute and it is removed from credit report. They will reappear on my credit report with a new date opened date on my reports. They will remove and delete and then keep reappearing with a new closed date. This account has been paid in full to XXXX 5 years ago.
06/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 240XX	Web
XXXX, XXXX was placed on my XXXX credit report for {$1200.00}, which the debt did not belong to me. It was originally removed and placed back on my credit. Repetitive phone calls were made to me and I have voiced the Debt does not belong to me. Request to be removed and deleted off my credit. Thank you
10/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94303	Web
The phone bill was in my name for my deceased mother in law. I have contacted both AFNI and XXXX to pay the {$200.00} because this collection is negatively affecting my credit. Ive wanted 2 months for someone to contact me back and no one has! I have had XXXX cooperation to try to take care of this debt.
10/06/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	LA 70737	Web	Servicemember
XXXX XXXX XXXX did not adhere to my requested invoice/remedies. I resent documentation giving them an opportunity to cure this invoice yet again. I am federally protected consumer and XXXX XXXX XXXX has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
02/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78641	Web
Im the beginning of XXXX I have removed 3 accounts from my collections and disputed them through XXXX. I also updated information on the previous mentioned platform as well as transunion. These accounts have not been removed and updated. Negatives are still showing on reports and not deleted as promised.
04/19/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60618	Web
I received a debt collection notice from Afni Inc regarding an XXXX XXXX XXXX account for {$760.00}. I spoke with a representative and she said the account was opened in my name in XXXX, IN. I have never lived in Indiana nor do I know anyone there. Furthermore, I have never had an XXXX XXXX XXXX account.
10/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75023	Web
On XX/XX/XXXX a collection account appeared on my credit reports from AFNI for a supposed debt of {$460.00} to XXXX. This account states it was placed for collection on XX/XX/XXXX. I have no recollection of this collection account. I have had an account with XXXX since XXXX ; it is up-to-date and active.
02/15/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NM 87002	Web	Servicemember
Actions taken by me on XX/XX/2017 Wrote Company a letter - no response - They have now turned over to collection agency. Getting calls & letters. The company also called my parents regarding this account. Attached copies of letter from me. And copy of letter from collection agency Thank you, XXXX XXXX
08/22/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92679	Web
Afni was reporting on my credit report that I owed {$100.00} for a XXXX collection. I never owed XXXX XXXX that amount. When I filed a dispute with XXXX they reduced the amount owed to {$0.00} and reported it as if I had paid the {$100.00}. This needs to be completely removed as this is still inaccurate.
03/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 454XX	Web	Servicemember
On XX/XX/2022, I found out that there is a collection on my report from XXXX XXXX for {$650.00}. I do not have an account with XXXX. I have tried to dispute this Item with the company and It was unsuccessful. I currently have a fraud alert on my credit file and I believe that this is an action of fraud.
05/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80918	Web
AFNI is sending me letters about some money that I suppose to own, they say a happen last year I never get and a car accident, this is not in my credit and is not my name, is spelled wrong and isn't complete so this looks like a scam! And the say they going to report the DNV and I will lose my license.
05/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 714XX	Web
I don't recognize the company AFNI , Inc. date reported XX/XX/XXXX for the amount of XXXX. XXXX XXXX is saying owe the same amount as XXXX.. I don ; t agree with these action and believe it needs futher investigation. dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All of the amount show XXXX.
10/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TN 37643	Web	Servicemember
XXXX has continued to persue me over a debt that has been resolved. I have told them over and over that I have settled the debt but they still keep sending my account to collections. I have the settlement letter and the credit bureaus comments on the account stating the account has been settled in full.
11/08/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	PA 186XX	Web
They have called me several times between XX/XX/2022 and now XX/XX/2022. They are trying to collect {$260.00} from me. They always try to talk down to me as if I am low if an individual because I can not afford this amount at the moment. I asked them to not call as much and I get constant calls anyway.
10/07/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33026	Web
AFNI at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX has been sending me collections notices in the amount of {$670.00}. The collection has been reported as pasted due balance. I don't know this company. Have never done business with this company. This company does not have a contract with my signature.
10/07/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33025	Web
ANFI at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX has been sending me collections notices in the amount of {$600.00}. The collection has been reported as pasted due balance. I don't know this company. Have never done business with this company. This company does not have a contract with my signature.
04/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48382	Web
Inaccurate reporting done by AFNI. Submitted collection to my credit report for an account that was not mine and that I did not maintain. AFNI is reporting creditor for collection of XXXX. XX/XX/XXXX was reporting date. I contacted company and indicated debt was not mine and to remove. No action taken.
12/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91801	Web
I got a collection notice letter stating that I owe {$770.00} from XXXX XXXX XXXX. However, I was never used XXXX XXXX XXXX. This is the first time Afni, Inc. contacted me. I have not call back or requested them to provide a validation letter. Anfi Letter received on XX/XX/2020 Balance due {$770.00}
02/28/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 441XX	Web
Afni Subrogation Department contacted me threw mail, letter dated XX/XX/XXXX recieved by me on or about XX/XX/XXXX for damages claimed to be owed by me in the amount of {$13000.00} pending an increase of additional payments, from a motor vehicle accident dated XX/XX/XXXX that is currently in litgation.
12/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 648XX	Web
I had contacted all the collections on my credit score. None of them could provide any proof that they had saying it was my debt. I asked them to remove the debts and they stated they couldnt do so. I called them about 2 months ago and I had been told to reach out to you guys and get the items removed.
11/10/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33024	Web
I have an account on my credit report listed as AFNI for XXXX XXXX XXXX XXXX. I have not had an account with XXXX XXXX XXXX for more than 8 years, yet AFNI has the date showing that the collection is from XX/XX/XXXX and now, after I disputed it, they have updated it to XX/XX/XXXX. The debt is not mine.
09/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 94561	Web
There is an open collection account on my credit report from AFNI on behalf of XXXX. This debt was discharged in my bankruptcy. The note in the collection account listing even reflects chapter XXXX bankruptcy but the collection account is still showing open when it should have been removed 5 years ago.
07/18/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CO XXXXX	Web
This company reported an account from XXXX on XX/XX/2020 in the amount of {$1000.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit reporting agencies.
05/20/2015	Yes	Debt collection I do not know	Taking/threatening an illegal action Threatened to sue on too old debt	IL 61761	Web
I have an agency in XXXX Illinois by the name of AFNI constantly calling me at my place of employment. First they called for my mother and now calling for me. I dont know what this debt is regarding but they have threatened legal action to my co workers on my behalf and i want this harrassment to stop
08/06/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL XXXXX	Web
Balance : {$1100.00} On XX/XX/2019 I notified Afni in writing that this debt be Exemption, Due to Hardship, they refused to cooperate or consider, or verify. Afni refused to follow up on my letter explaining or notice it is disputed. I wish to file a complaint against Afni under the Dodd-Frank Act.
01/20/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 27406	Web	Older American
Medical debts incurred for treatment and show all balances paid in XXXX 2016. Current account site shows {$0.00} balance due. Credit agency attached a derogatory account status. Medical provider was XXXX in IL. Current review of my account balances show no funds due. All accounts with no balance due.
09/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46260	Web
In accordance with the Fair Credit Reporting act Afni , Inc # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
07/22/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	KS 66061	Web
Made a complaint with the CFPB, complaint XXXX, the company responded but did not address what was listed as the complaint type. AFNI has not provided written communication of attempts at collecting a debt and doesnt provide the ability to dispute a debt prior to reporting it to the credit bureau.
09/25/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48183	Web	Older American, Servicemember
We called this company ( they said their name was XXXX, I'am not sure that is spelled correctly ) - We gave them our name and said the debt is " not ours, & that person does not live here!!! XXXX. - They still keep calling & leave messages on our answering machine. We have had enough!!!!!!!!!!!!!!!
07/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	ME 04401	Web
I never had an account become delinquent with XXXX XXXX XXXX nor did I receive any notice of missing payments or a collection account. Just now I came across this supposed account by checking my credit report. I want proof it belongs to me or for it to be removed from all credit bureaus immediately.
02/23/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 12110	Web
A fraudulent XXXX XXXX XXXX debt has been floating around in my name. I have confirmed with XXXX XXXX XXXX that not only they did not pass any debt to collection agencies, I have never had outstanding balance period. Now, this AFNI collection agency is trying to collect this fraudulent debt from me.
05/06/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 78229	Web	Servicemember
I closed my XXXX account a year ago, sent the equipment back, now a third party collector says that I owe over three hundred dollars for a back payment and early termination fee. When I closed the account, the rep from XXXX stated that with the return of the equipment that the account was satisfied.
11/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77386	Web
There was a special at XXXX indicating free transfer of old phone service to XXXX. My husband returned the XXXX XXXX phones the next day due to being mislead of paying off my old account ( different vendor ) upfront. We had no service and XXXX would not change our plan to theirs until we paid XXXX.
09/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	CA 95608	Web
I have sent XXXX letters explaining that the debt was discharged in bankruptcy and have received another letter offering a settlement offer. The creditor also states there could be additional payments made on the claim that I could be responsible for and will notify me as soon as they become aware.
08/22/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30034	Web
Upon looking at my credit report on XX/XX/2020, I realized that I had 2 collections from the same company for the same debt, one for {$1100.00} and another for {$1600.00}. So starting off they are reporting FALSE information. On top of that, they WERE NOT licensed when they obtained my collection.
10/25/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 75218	Web
I continue to receive phone calls from a company at XXXX. They identify themselves as Acme Debt Collector. They are looking for a person by the name of XXXX. I have explained to them that it is the wrong number. I have asked them to remove me from their calling list, however they continue to call.
10/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33040	Web
i had a bill in the amount of {$500.00}. to XXXX in XXXX XXXX went to collections with XXXX XXXX XX/XX/XXXX for XXXX.then to XXXX for {$1800.00} XXXX XXXX XXXX then to XXXX. for {$1800.00} XXXX XXXX XXXX then to afni. for {$2000.00} on XXXX XXXX last reported XXXX XXXX XXXX by afni for {$2000.00}.
06/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30034	Web
Received Collection letter on XXXX saying I owe XXXX XXXX. it had the incorrect account number and I checked with XXXX they do not even have that account number. Stated I owed {$240.00} this is not my debt and should be removed from the credit bureau and any other databases they may have added it.
01/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92626	Web
First I do not owe this debt. Second I received a letter stating that AFNI would call the debt paid in full if I paid XXXX % of the debt Third, I received a letter that the XXXX % was received but now I still owe the other XXXX % this is a clear violation of the Fair Debt Collection Practices Act
07/14/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WI 54313	Web
Received a letter trying to collect {$210.00} for XXXX XXXX services. Letter was sent to my address, but addressed to someone else. I have n't had XXXX XXXX for over 15 years, and when I contacted their customer service, they told me the account number in the letter does n't match my information.
10/05/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30315	Web
I requested proper debt validation from this company based on sections 609 and 601 of the fcra they can not prove any debts this is improper based on USC 1611 therefore I'm requesting this unauthorized account be removed as soon as immediately I've done no business with this company please remove
04/11/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 185XX	Web
The debt amount is wrong, the original creditor was supposed to fix total amount owed, never received letters or phone communications from said creditor. Debt has been placed on my credit report more than once and is continuing to hurt my credit score with each new cancellation and reapplication.
10/06/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MD 21133	Web	Servicemember
THIS ACCOUNT IS NOT MINE I FILED SEVERAL DISPUTES I PROVIDED DOCUMENTATIONS I AM HAVEING PROBLEMS WITH THIS CREDIDTOR I AM REQUESTING TO PLEASE REMOVE OFF MY CREDIT REPORT I TALKED TO THE COMPANY A FRAUD REPRENSATIVE STATED TO ME I AM NOT RESPONSIBLE FOR THIS ACCOUNT PLEASE EXPEDIATE THIS ACCOUNT
12/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30144	Web
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
02/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33311	Web
This debt is not mine Im seeking full validation of this debt that includes original documentation and or bank statements anything with my signature. I was given a copy of a bill that has no signature no information at all that says it belongs to me there for it is not proper validation of debt.
05/24/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 77044	Web
AFNI- XXXX . - Reported on XXXX XXXX , 2013 {$300.00} Item Results : Result : Disputed Information Updated And Other Information Updated - The item you were disputing has been updated, and there have also been some updates to your account info. Youll see all of these changes on your report.
08/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91362	Web
There is a collection company listed XXXX on my credit file AFNI collecting for an XXXX bill # XXXX {$360.00} and then an account # XXXX {$0.00} unknown and false information listed. I would like to receive actual validation of a signed contract on these. Requested and disputed nothing received.
03/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33647	Web
AN ACCOUNT IS BEING REPORTED ON MY CREDIT REPORT, I HAVE SENT MANY LETTERS ASKING HOW THIS ACCOUNT BELONGS TO MY AND IF ANY DOCUMENTATION COULD BE SENT TO VALIDATE THIS ACCOUNT. I HAVE NOT RECEIVED ANY INFORMATION. I HAVE SENT IN FTC REPORTS AND POLICE REPORTS AS PROVE AND IT AS GONE UNFOUNDED.
02/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30294	Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
07/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91306	Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
07/16/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 357XX	Web
There is a collection placed on my credit XX/XX/2019 for a account i have never had or heard of for XXXX cable. They FRAUD collection company that placed it on my credit reports is claiming its from XX/XX/2019. I havent used comcast in 10 years and dont owe a debt. This is not my account at all
03/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30260	Web	Servicemember
AFNI is a collections company that appears to have purchased a debt. This isn't a debt I own. The party will not issue the original contract to to verify this fraudulent account therefore I'm seeking remedy. The credit reporting.states it's an account.of.Sprint. This is not an.account I own.
01/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21212	Web
I am a victim of identity theft. For a XXXX account I have never signed up for I started randomly receiving a bill in the mail for a past due bill. Back in XXXX which was my last communication I got a incident number XXXX I have recently have a collection with AFNI for this particular account.
11/04/2018	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	CA 94109	Web
I DO NOT HAVE ANY DEBT. PEOPLE FROM THE NUMBER XXXX ARE LEAVING DAILY MESSAGES WITHOUT ANY DETAILS ASKING TO CALL THEM BACK TO DISCUSS A DEBT SITUATION. I TRIED TO REPORT THEM A SCAMMERS, BUT THE GOVERMENT AGENCY IN CHARGE OF THAT TYPE OF CALLS SAID THAT I CAN NOT DO ANYTHING. PLEASE HELP!!!
07/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48188	Web	Servicemember
This is a complaint against AFNI and XXXX. They are both reporting a debt on my credit report that is not owed. I have a letter stating that they removed the amount. It has bot been removed and I have contacted them and disputed it several times and its still not removed from my credit report.
12/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10468	Web
Collection agency is listed on credit report and attempting to collect a debt that is involved in the cramming class action suit. Please have AFNI first verify that they are allowed to collect any debt and provide a detailed modified bill of actual monies owed considering the cramming charges.
10/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 770XX	Web
There is a 'collections ' open under my credit report with name AFNI and original creditor - XXXX XXXX for {$250.00}. I have no idea why is this amount pending under my name and what I need to do to get rid of it from my credit report. I never had this account and I do not owe XXXX anything.
06/17/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 17545	Web
Afni has reported that I owe XXXX dollars and have missed multiple payments over the past 2 years. I was never advised of this debt and never given the opportunity to resolve the debt. I never gave consent for this to be reported on my credit report as stated by law of fair credit report act
11/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 451XX	Web
This debt was disputed with the original collector and was sold off. I have proper documentation needed for proof of identity theft and they refused to remove. I have taken action with Attorney General claims within my state to fight the disputed account that was already removed once before.
07/28/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75154	Web
Hello, I was involved in an accident where I was hit from behind along with damages and a totaled car. I am not responsible for the debt that they are saying that I'm responsible for. XXXX didn't send me anything. A third part collect is threatening to take my license and report to my credit
06/02/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OH 43613	Web
AFNI is on my credit report again, after being removed, and have had been made contact with. I do not owe AFNI nor the company that they are claiming to represent any money what-so-ever. This company needs to leave me alone! I Want them removed from my credit reports in less than XXXX hours.
05/23/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IN 46324	Web
This number ( Afni debt collection ) has called me every day during weekdays for the past 2 weeks. I have blocked the number but they are still able to leave a message. I already told them that they have the wrong number for the person they are trying to reach. They have not ceased calling.
05/04/2023	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	TN 374XX	Web	Servicemember
Reps call and pretend to be someone else. They refuse to give information about who they really are and try to get me to tell them who I am without verifying who they are when asked. Once I keep asking who they are and where they are calling from, they hang up in my face. Last rep was XXXX
01/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85037	Web
The Credit Bureau is reporting inaccurate information on AFNI. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
03/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60644	Web
I submitted a dispute with XXXX on XX/XX/2023 and the dispute came back verified and accurate with no explanation of method of verification this debt does not belong to me and I am a victim of identity theft I have no knowledge of the account AFNI, INC. that is listed on my credit report.
02/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 080XX	Web
This company has repeatedly sent mail about an alleged bill that i do not owe, i sent in proof in writing that the debt was not mine. The company in turn sent me another alleged bill and added the account to my credit report as a collections account which severely damaged my credit score.
07/31/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30265	Web
I had an older internet service debt, estimated to be from XXXX. The collector completely removed it from my account and then re-aged the debt claiming it was from XXXX. This dropped my score quickly, as it was considered a " new debt ''. This practice could cost me my home mortgage loan.
11/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11717	Web
AFNI, INC has violated 15 usc 1681s-2 as well as 15 usc 1692g by failing to validate the alleged debt they are falsely reporting to credit reporting agencies. I am a natural person, consumer and of sound mind to know and act in good faith. I authorize AFNI, INC to remove this inaccuracy.
10/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MI 48198	Web
I am concern about the difference in XXXX difference collections agency reporting difference amounts from the creditor XXXX XXXX XXXX XXXX. XXXX XXXX XXXX on XXXX/XXXX/XXXX total due is XXXX and Afni total due on XXXX/XXXX/XXXX is XXXX. I would like a detailed statement for the charges.
01/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 187XX	Web
This is the 2nd time this was submitted to the credit agencies. Last year it was a different collection agency and it was disputed and taken off my report. This was for an XXXX XXXX XXXX phone bill in Texas. This is not my bill but I dont know if its identity theft or mistaken identity
05/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92688	Web
I cancelled XXXX service after 2-year commitment period, but XXXX wrongly charged me an " early '' termination fee ( approx. {$85.00} ), which I disputed. XXXX and AFNI reported the " debt '' to credit agencies, including XXXX, and has lowered my ( previously ) excellent credit score.
10/26/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA XXXXX	Web	Servicemember
in XXXX i got a letter, 3rd party, AFNI c/o XXXX XXXX XXXX I immediately sent them a debt validation letter asking for proof if i am the responsible for the debt. They did not respond via mail, the responded by placing it on my credit anyway. A MAJOR VIOLATION of the FDCPA & the FCRA.
08/04/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	PA 150XX	Web
AFNI is the caller ID that shows up when I receive a call. Consistent calls everyday. When I answer and say hello no one ever says anything then they hang up. When not answered they dont leave a message either. Its super frustrating. Im not even sure exactly what theyre calling for.
11/29/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60188	Web	Servicemember
I sent Afni Inc 2 letters and tracked both. They both were received by Afni, however they have never responded. First letter was sent in XXXX XXXX and the 2nd was sent in XXXX XXXX. I have the tracking information and copies of both letters. Afni Inc XXXX XXXX XXXX XXXX, IL XXXX.
09/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60031	Web	Servicemember
I contacted AFNI in regards to this debt with XXXX XXXX XXXX that appeared on my credit report. At the time they state that this debt occurred I was only XXXX years old and have never had phone service with XXXX XXXX XXXX and someone must have used my information to establish service.
08/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08854	Web
In accordance with the Fair Credit Reporting Act 15 USC, the company below has used my credit report illegally for collection which is not my account and damaged my credit score. This account appeared on XXXX credit report as of XX/XX/22 in the amount of XXXX AFNI INC. account # XXXX
09/01/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IL 615XX	Web
I have a XXXX XXXX bill on my credit report. I paid this item, but I was never issued a notice and had no opportunity to dispute the debt. Because a dispute investigation was never conducted, then it should not show on my credit history. Please remove from my credit report. Thank you
06/16/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	TX 77072	Web
I had an account in 2008 with XXXX and before leaving I paid and return and necessary equipment and now they are saying I owe them a bill. I do not owe them when I left the company I had a zero balance and they waited until now to report this inaccurate information on my credit file.
12/20/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 92019	Web	Servicemember
It came to attention that AFNI, INC reported in my credit report without authorization and consent that I owed {$600.00} with an account number XXXX on XX/XX/2017. I do not owe this alleged debt and have no knowledge and there is no contract exist between the consumer and AFNI, INC.
10/16/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AZ 85718	Web	Older American
Several months ago, I began receiving voice mail by AFNI stating that I was guilty of nonpayment of bills. I was told to call a number ASAP. I have ignored this request : I owe no bills and I assumed it was a scam. For months now, I receive 5-6 calls/day. I would like this to stop.
08/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33467	Web
An account from XXXX that was beyond the statute of limitation and was since removed from credit report just showed up again as a new debt in collections that is 3 months old. This has been disputed with XXXX but I would like to report the collector who is reopening closed accounts.
08/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90016	Web
AFNI Subrogation Department demanded payment of {$1500.00}, on behalf of XXXX XXXX XXXX, for a loss that occurred XX/XX/2023. No other information was provided. Also, I am not aware of or involved in any incident/accident that occurred that day or any other day this year ( XXXX ).
02/07/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TN 37172	Web
XXXX falsely accused us of not returning our phones when we did. Now Afni is attempting to collect the debt. I have not received anything from Afni or know who Afni is. I've disputed this debt on my credit report however is remained without any documentation with XXXX, XXXX & XXXX.
10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33311	Web
According to the Fair Credit Reporting Act, AFNI has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
07/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 380XX	Web
Afni, Inc has placed a collection on my credit profile claiming that I owe {$76.00} to XXXX. I have NEVER had an XXXX account. I've mailed letters to this company TWICE and have not received one single reply. This company is tarnishing my credit worthiness for no apparent reason.
04/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	TX 76179	Web
this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this accoutn should be removed from my credit report and all collections efforts should cease.
09/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33467	Web
Collection in the amount of {$1300.00} for an unauthorized/unknown XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
06/09/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38115	Web
Afni, Inc has placed a collection on my credit profile claiming that I owe {$510.00} to XXXX. I have NEVER had a XXXX account. I've mailed letters to this company TWICE and have not received one single reply. This company is tarnishing my credit worthiness for no apparent reason.
05/16/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33484	Web
I received a notification that this company, AFNI reported a XXXX XXXX balance on my credit Bureau file. I have not had an XXXX XXXX account in over five years and I did not have a balance with them! I never received a letter from this company or XXXX to discuss this account.
03/18/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 906XX	Web
XXXX XXXX RE : Afni, Inc ( Debt Collector ) Account # XXXX I received letter from AFNI requesting collection of debt that is not mine. Further, they placed the collection on my credit report with XXXX. I wrote a validation letter, and they did not respond with proof of the debt.
05/31/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48198	Web
On XX/XX/, I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with AFNI on XX/XX/, showing a balance of {$500.00}. AFNI failed to respond to my validation letter. The uploaded attachment is the letter that was mailed.
01/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 28352	Web
An agreement was made with the company the matter has been taking care of and the account is closed im no longer liable for the account however its still showing up on XXXX and XXXX as open and negative. XXXX is the only one that updated the account correctly and closed it out.
04/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 95610	Web
XXXX sent an unpaid portion of a final bill to collections and I accepted a settlement offer and in return for cashing the check it was agreed upon that they would remove the item from my credit, they cashed the check and left the item showing unpaid and open on my XXXX report,
08/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	WA 98055	Web
There are 2 things showing a collection on my credit report and neither one I have any knowledge of and were not my accounts. The first one is AFNI, INC/SPRINT for {$770.00} and the second one is XXXX XXXX, XXXX XXXX for {$800.00}. I've never had either one of these accounts.
08/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48185	Web
ATT IS SAYING THAT I OWE A BALANCEOF {$6600.00} WHICH I DONOT SOMEONE MUST HAVE USED MY NAME WHICH IT WAS ALOT OF PHONE FRAUD IN MICHGAN AND AROUND WHERE I LIVE I REPORTED IT TO THEM BUT THIS ACCOUNT WAS SENT TO COLLECTIONS WHICH THE NAME OF THE COLLECTION COMPANY IS ( AFNI ).
08/15/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60621	Web
There was accounts put on to my credit profile by AFNI, INC that were not Authorized by me and are Unverified and or Inaccurate and is in direct violation of FDCPA and FCRA Laws, this is a Copyrighted name and has Leagal ramificatons along with it and Litigation my be pending.
03/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94121	Web
AFNI contacted me by letter in XXXX claiming they took my debt of {$2500.00} from a XXXX XXXX provider in XXXX, CO. I have never had XXXX XXXX nor lived in XXXX, CO. I replied via Certified Mail to contest the claim and they responded with a fake account number from XXXX XXXX.
03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 333XX	Web
Settled debt with company called " XXXX XXXX XXXX ' in which they stated once paid they will remove from my credit report. Its been a month and its showing up on my credit report. Amount was {$300.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX
06/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11204	Web
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
06/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11204	Web
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
01/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 13210	Web
I received a debt collection letter on Saturday, XX/XX/XXXX, from Afni, Inc dated XX/XX/XXXX. Afni, Inc alleges that I owe {$230.00} to XXXX XXXX XXXX. I paid {$230.00} directly to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, IL XXXX via cashier 's check on XX/XX/XXXX.
10/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92630	Web
XX/XX/2020 I was notified through XXXX XXXX that AFNI added a derogatory account. This account was sold and Transferred. A bill without a signature does not validate a debt. Please terminate all collection efforts. And notify all three credit bureaus for inaccurate reporting.
04/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA XXXXX	Web	Servicemember
New accounts are on my credit report that dont belong to me. My soc # was compromised 3 times last year and data was breached 2 times this year! I am not the responsible party. They are taking my identity using it in other states, opening fraudulent accounts enough is enough!
05/19/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 12208	Web
The money {$1700.00} AFNI is co llecting is for an XXXX account which was opened under my name which is beyond my knowledge. In short, I was a victim of identity theft. I was not physically present nor have I made any XXXX account changes from XXXX until early XXXX .
02/07/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AK XXXXX	Web	Older American
This is a bill for XXXX service that I did not receive. I called to disconnect service many times due to relocation/move. I spoke with several reps who told me service would be stopped ( XX/XX/2016 ). I believe my service was not stopped. Thus, I am disputing this collection.
04/20/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	KY 40291	Web
i recently pulled my credit report and discovered that this company has reported that I owe them an un paid debt to. To my knowledge I have never entered into a contract with this company that would obligate me in any way nor have they provided me with any services or goods
11/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	IL 60624	Web
I have no idea what it is and why its on my report. I was a minor so i have no idea why theyre saying I owe anything. I would like proof of who they are not some random bill that can be from anywhere due to fraud. I never received anything from the company or who they are.
11/26/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29445	Web
Upon checking my credit report, I notice a collection agency by the name of AFNI with the original creditor being XXXX in the amount of XXXX. I do not have a contract with this company, therefore they are not allowed to try and collect on a debt that does not belong to me.
12/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92694	Web
Trying to collect a debt for XXXX XXXX account which I successfully challenged back in 2013. XXXX attempted to collect a debt but was actually revealed to have over billed me and ended up sending a refund payment of XXXX dollars to me in this matter. This is a bogus debt.
03/13/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30224	Web
I XXXX XXXX Have spoke with the company and informed them that I never made a purchase of that sort from XXXX XXXX XXXX and I also informed that I visited the XXXX XXXX XXXX location and they stated that I was in great standing with the company and that nothing was owed.
10/11/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30064	Web	Servicemember
Afni is reporting an account on my credit report that does not belong to me, and it severely damaging my credit rating. I mailed a letter to them requesting information regarding this debt, and did not receive a response. The acct # as listed on my credit report is XXXX.
05/12/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	ME 041XX	Web
I received XXXX collection notices from AFNI Collections for debts that do not belong to me. This collection agency has continued to call my cell phone and has also called family members attached to iformation that they received from the internet. I am being harassed.
08/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 352XX	Web
AFNI at XXXX XXXX XXXX XXXX, IL XXXX has been sending me collection notices about {$200.00} the collection has been reported past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature
08/16/2018	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	LA 711XX	Web
This debt collection agency is abusive and verbally aggressive. They will not cease their endless tactics if trying to collect a debt which they have not validated. This company AFNI, appears on my XXXX report and they refuse to remove it, validate it or cease calling.
12/07/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90059	Web
Today I was checking my credit score and it showed a drop of 30 point on XXXX and upon checking I found some collection agency named AFNI opened a collection account on behalf of XXXX amounting to {$120.00}. I dont owe any amount to XXXX nor to this collection Agency.
07/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 783XX	Web
XXXX XXXX XXXX claims this account was opened on XX/XX/2016 ( 1 yr, 7 mos ) - This is not accurate ; I've never used XXXX before in my life. This needs to be immediately removed from my credit report before I take appropriate action and exercise my rights in the FCRA.
07/28/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CT 06360	Web
I do not know who this collection agency is or why they are demanding {$530.00} from me. I checked my credit report and this company appeared on it as a derogatory account. I have not received any correspondence from this company. It just appeared on my credit report.
02/11/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 78216	Web	Servicemember
XXXX is sending me to collection for an account that was closed before I XXXX to XXXX. I did took my orders to the store and they told me that my account was closed ; however, they never did and now they are sending me to collections for an error that they committed.
03/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30097	Web
This company has placed a random collection amount on my credit report which resulted in my score going from a XXXX to a XXXX This needs to be fixed, I have no knowledge of this random collection amount and have never had a derogatory mark/collection ever in my life
08/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38016	Web
Afni, Inc has placed a collection on my credit profile for {$78.00}. The alleged original creditor is XXXX. I have NEVER had services with XXXX. This erroneous collection is tarnishing my credit worthiness when it shouldnt even be on my credit profile to begin with.
12/30/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 78251	Web	Servicemember
On XX/XX/2020 I sent certified mail correspondence to the company requesting validation and proof of contract to substantiate their claim. The have not responded to my request. The company also never contacted me prior to furnishing information on my credit report.
06/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90650	Web
Vehicle sold in XXXX submitted to XXXX and resubmitted online in XXXX. Was involved in an accident in XXXX, the collection agency was sent a letter and was given information via letter, phone whith copies of original documents. To prove the vehicle was transferred.
11/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TN 38016	Web
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.
11/25/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 128XX	Web
This was a sprint phone bill it keeps on going from one Collection agency to another this bill is over 7 years old and and just hit my credit report as being 30 days late and they never sent me any notice at all its just unfair to hit my credit score and lower it
09/12/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98292	Web
I received a letter from AFNI Collections telling me I had a debt of {$750.00} that I owed to XXXX XXXX XXXX. They said I could settle the debt by paying {$490.00}. I have XXXX relationship with XXXXXXXX XXXX XXXX nor have I ever. This request for money is bogus!
03/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84119	Web
AFNI, INC is reporting a debt on my credit file that has been paid years ago. I am not sure why Afni is recently reporting this new debt for XXXX. I Paid this debt a long time ago and it should not be on my credit file. This is erroneous and needs to be removed.
09/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33324	Web
The creditor is XXXX and the collection agency is Afni, Inc and they are reporting to my credit agencies affecting my credit. This is not my account, I have sent validation letters and several dispute letters, yet this is still appearing and affecting my credit.
01/23/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web	Servicemember
AFNI tried to collect a debt that had been paid. I 've reached out to them and advised them that this account was paid. AFNI removed account from XXXX, but not in XXXX nor XXXX. I have proof that this account was paid even before they reported it to XXXX and XXXX
10/19/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	FL 34771	Web
afni collection is trying to collect a fraudulent debt I never applied for XXXX XXXX in XXXX that this agency does not call me anymore and do not report any negative account in my report I am already repeating a complaint to the federal agency traffic commission
09/02/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77494	Web
Afni sent me a letter stating they verified with the creditor. However, I requested that the information be verified and validated and proof be sent to me stating the account was properly verified. I did not receive that information from XXXX XXXX XXXX nor Afni.
06/03/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 740XX	Web
afni renewed a collection from XX/XX/XXXX that had fallen off of my credit report in XX/XX/XXXX, but somehow through them it magically reappeared in XX/XX/XXXX. I contacted them to remove it but they refused to remove it from my credit report and I am very upset
07/16/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30215	Web	Servicemember
Called multiple times. Last call was XX/XX/2018 at XXXX. After calling the robot call back, I talked with agent and found out it was for someone who previously owned phone number. I informed them this is the wrong household and to remove from their calling list.
03/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10466	Web
I have no knowledge of this debt. Never received anything in the mail or even a phone call. When calling this company no one was able to verify my social security number or account number that I supposedly have with this company. This debt does not belong to me.
08/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30034	Web
I have a debt listed on both my XXXX and XXXX credit report that isnt mine. Over 30 Days ago I disputed this information and they have not supplied any information. Ive never gone into contract with this company and Im not familiar with the original creditor.
02/01/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76543	Web
I recently had an amount added to my credit report from a company called XXXX. They claim it was from XXXX XXXX XXXX. I have never had XXXX XXXX XXXX. They are trying to get me to pay {$1100.00} and say the account was opened XX/XX/2021. I have filed a dispute.
12/01/2017	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	AR 718XX	Web
Afni calls about 10 - 15 times per day. They have contacted everyone I ever called from an XXXX cell phone SEVEN years ago stating Im at risk of imprisonment from falsely using XXXX and they need me to contact them. This is unacceptable. I DO NOT owe XXXX money
09/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07002	Web
This debt is not mine, I have no idea who this belongs to. I 've tried communicating this to the collection agency, however after recently pulling my credit report it is still showing on my report and I would like this removed, I have no knowledge of this debt.
03/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 44095	Web
I have repeatedly sent my final bill to the collection agency, showing the amount owed to me he original creditor. ( {$100.00} Final Bill Statement from XXXX XXXX XXXX ) The collection agency, afni, sends me correspondence letters stating I must pay {$930.00},
11/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75080	Web
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
08/12/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NM 87124	Web
received letter from AFNI saying i owed monies on potential litigation. i was not in an accident on date of lose XXXX, i have never heard of this litigation, this seems to be total fraud. they give the insured name as XXXX XXXX XXXX never ever heard that name.
01/08/2016	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	IL 61611	Web
AFNI keeps calling my personal cell phone, has called my GRANDMOTHER 'S house ( XXXX ) XXXX, and has now called me at WORK ( XXXX ) XXXX. I am not dealing with this anymore. I know I am in debt ; they do n't have to keep calling everywhere and embarrassing me.
07/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48340	Web
afni has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. Afni has threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me.
03/24/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37214	Web
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation
04/23/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	WI 53216	Web
I was contacted by the company regarding a debt. I told the company that the debt is not mine. I was told basically that it is mine and I need to pay now. I was not told that I can dispute within a specific timeframe or any information except to pay or else.
03/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33401	Web	Servicemember
A collection agency called XXXX shows an outstanding debt to XXXX of {$87.00}. This supposed debt was reflected before and I went through many phone calls to get it cancelled from my records -- and that took 90 days. XXXX shows no amount owing on my account.
11/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60645	Web
I did not sign any contract with the XXXX and when I cancelled my service they asked me to pay the penalty for breaching the contract which I never sign so the ... .I am willing to pay the dept if they have any proof that I owe them this money ... .thank you
08/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08854	Web
Company claims that info was sent to me in regards to amount owed of XXXX, and also claims that proper investigation into this matter was done which is false. My address is incorrect on their documentation. This info on my credit report needs to be removed.
12/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30331	Web
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is very alarming.
02/28/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 64130	Web
After pulling a copy of my credit report i noticed that this company is reporting inaccurate information on my credit report and i have disputed this with the credit bureau as well requesting that this account be removed off of my credit report immediately.
05/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MO 63031	Web
I have contacted this company over a month ago in regards to this account however they are still reporting the account incorrectly as an OPEN account. This account is NOTE open and should be included in bankruptcy as a CLOSED ACCOUNT INCULDED IN BANKRUPTCY.
10/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76112	Web
Afni {$240.00} At t original creditor Afni {$880.00} XXXX original creditor Both accounts are fraudulent and were never obtained by me XXXX XXXX XXXX {$56.00} original creditor XXXX XXXX XXXX Never owned an account through XXXX XXXX XXXX. debt is not mine.
11/03/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	IL 60466	Web
AFNI collections have been calling and harassing me for months, seeking someone I DO NOT KNOW, despite me telling them numerous times and writing them as well to inform them of the same! Most of the calls come from XXXX. The latest call occurred XX/XX/21.
11/15/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43207	Web
I requested written verification of an XXXX debt that I believe was added after I canceled the account via phone and mail never received it. Then attempted to dispute it without ever receiving any mail or email documentation. The debt collector is afni.
05/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 750XX	Web
Afni debt collections Afni, Inc. XXXX XXXX XXXX XXXX, IL XXXX I have never had a agreement in writing with this company and they have put a collection on my Credit report that is not mine for amount {$590.00} date reported XX/XX/XXXXall 3 credit bureaus
03/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 482XX	Web
I have a debt collection reporting on my credit that is not mines. I do not know where this debt came from but it does not match my information. It appears to be related to a utility service account. I have never authorized services through this company.
06/26/2017	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NC 28215	Web
AFNI keeps calling me at work several times a day. I 've told them not to call me at work. Whatever debt is allegedly owed, they have my home address and please mail me whatever paperwork they have. I still keep getting calls from their automated system.
02/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 760XX	Web
The account listed on my account isn't mine. I have never been with the company they claim I owe. I have disputed this several times and I have gotten nowhere. This is the information I pulled from my reports. Company- AFNI , INC . Account # : XXXX
03/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	WI 53142	Web	Servicemember
After disputing debt through XXXX, account was closed. Then reopened by being transferred to debt collector which was also submitted in court under Bankruptcy. Have not been able to communicate with them to dispute reopened account. Which is inaccurate.
09/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60643	Web
I checked my credit report and apparently this company AFNI a debt junk buyer, purchased this debt from another collection agency called XXXX. AFNI has re-aged this collection on my credit report and has never sent any notices to me regarding this debt.
09/18/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MI 48917	Web
I have received voicemail messages informing me that a complaint has been filed with my financial institution and that all assets and active accounts will be closed within 72 hours. In addition, this account was removed from my credit report already.
06/08/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MI 48124	Web
I do not have a contract with AFNI. I am not liable for collection this debt from XXXX XXXX XXXX XXXX . I am not responsible for this debt. Desired Outcome/Settlement Desired Settlement : Correction to a credit report DELETE FROM CREDIT REPORT
04/25/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29063	Web
Sen t all XXXX cre dit bureaus to validate accounts over the last month and no action taken. Contacted the company in writing in XXXX 2017 no action taken. They just sent a bill with my name on it. Never had an account with this company at all.
04/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 32708	Web
XXXX continues to send me a collection notice 3 times after I told them that I never had XXXX sytem @ my home or owe them NOT XXXX BROWN PENNEY.They refuse to stop their tactics and continue to send collection notices after I told them 5 times not too!
02/27/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77433	Web
AFNI, INC at address XXXX XXXX XXXX XXXX IL XXXX is reporting an account on my credit reports in the amount of {$670.00}. I don't know this company. I have never done business with this company. This company does not have a contract with my signature.
04/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened to sue on too old debt	IN 46835	Web
AFNI CALLED VARIOUS CELL PHONES AFTER CEASE AND DESIST IN VIOLATION OF YCPA, AND PULLED XXXX XXXX XXXX AND XXXX XXXX IN VIOLATION OF FCRA. FINALLY CALLED ALL MEMEBERS AT WORK WHERE THEY KEPT ASKING ME PERSONAL QUESTIONS IN VIOLATION OF DODD-FRANK ACT.
04/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33056	Web
This has been the 4 debt collector Trying to make me pay a debt that I don't owe. i have dispute the same XXXX account 3 times Through the credit bureau and it was dismissed. That information keep getting sold to another debt collector harassing me.
10/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 94580	Web
I have sent XXXX letters on XX/XX/2016 ad XX/XX/2016 to XXXX and AFNI asking for signed contract or document stating validation that I owe this debit. As of today, I have not received such documents. Please remove entries from all my credit reports.
08/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91387	Web
i check my credit report today and i see XXXX account in collection for XXXX agency collection afni i spoke whit XXXX and the address they tell-me about that i never lived in that address before and i never sign any contract whit them for any cable.
02/25/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75150	Web
This debt has been disputed and it was found that original collection company did not have sufficient information to validate debt so item was removed from my credit file. However, they sold it to another agency, XXXX and if is now reporting again.
01/16/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 17078	Web
This person calls. Does not say where he is calling from other than the state. Does not indicate why he is calling or what it is about. He is rude. Has called my work when I have asked not to be contacted as I am not allowed to have personal calls.
11/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 62301	Web
Called too many times to resolve. Also called original creditor and they say there is no debt for the time period. When calling AFNI directly, they will not help me unless I give SS # for which I dont have to under law for fear of identity theft.
01/29/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11570	Web
inquiries : XXXX -date FRAUDULENT ACCOUNTS ; -XXXX XXXX XXXX -DATE XX/XX/XXXX -AMOUNT XXXX ACCOUNT #? -XXXX XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX -AMOUNT {$340.00} -ACCOUNT -- AFNI ( ORIGINAL CREDITOR IS XXXX XXXX AMOUNT {$850.00} -ACCOUNT #?
12/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19139	Web
On XX/XX/2021 I sent a XXXX to XXXX challenging a collection account from XXXX that did not belong to me. It was then deleted from my credit report. XX/XX/2021 I noticed the collection came back with a different name. The name is XXXX, XXXX XXXX.
05/05/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77396	Web
AFNI is attempting to collect a debt that is outside of the statue of limitation. Furthermore, I was never received a verification of this debt and unaware of any attempts to lawfully notify me. I am completely unaware of this collection account.
11/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 301XX	Web
upon checking my credit report i realized there is a company trying to collect over XXXX dollars from me i dont know who this company is i have never signed any contract with them in person nor electronically with them nor any of there affiliates
12/03/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	NY 11768	Web
Afni sent me a letter to my job instead of my personal address. Embarrassing me in front of my job and threatened that if I did not pay, they were going to suspend my license and registration. They sent me this letter XXXX months after the fact.
07/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94534	Web
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
07/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MI 494XX	Web
AFNI has reaged my debt. It should be from XX/XX/XXXX and no longer on my report. They are reporting it new as of XX/XX/XXXX. I have disputed this with the credit bureaus and attempted to resolve with the creditor and they will not work with me.
10/30/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	TX 75067	Web
The phone number calling my place of work almost every day XXXX to collect a debt from 5 years ago is a third party who bought the debt from XXXX XXXX XXXX. It is causing my other coworkers to be bothered and causing defamation of my character.
10/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48035	Web
I tried disputing the item/asking for verification but I received nothing and no information. I dont have any information about this company except they recently added a false collection to my credit report for an account Ive never had before.
05/24/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48322	Web
I received a threatining collection letter from afni collections alleging I owe XXXX XXXX XXXX and/or XXXX XXXX {$6900.00}. I have never had any dealings with either of these people and legally they have no basis to threaten me with collection
10/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92629	Web
XXXX XXXX keeps selling to bill collectors a charge that is not mine. The CFPB has assisted me in the past in getting this resolved. A new company is now trying to collect it. Please tell them to stop harassing me for a debt that is not mine.
06/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46033	Web
This collection amount of {$560.00} was incorrectly placed on my credit report in XX/XX/2017 and I had no idea it was there because I never received any notice of it. This debt should not be in my credit file because it does not belong to me.
01/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60617	Web
I DO NOT RECALL HAVING THIS ACCOUNT AND I WAS NEVER NOTIFIED OF THIS DEBT, IF I HAD BEEN I WOULD HAVE PAID IT PROMPTLY. I DONT THINK IT SHOULD HAVE BEEN PLACED ON MY CREDIT REPORT WITHOUT ME HAVING A CHANCE TO DISPUTE OR RESOLVE THIS MATTER.
07/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 207XX	Web	Servicemember
I've contacted the credit company and the credit bureau about this false debt and they have failed to correct the issue. This is going on my 3rd written request asking to provide original documentation about the debt that they claim i owe.
12/28/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33435	Web
XXXX a debt validation letter was sent to the company to validate a debt with the company, with proper paperwork or signature, which the company failed to provide. what docs did the company provide to the credit bureaus to validate the debt.
07/03/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	LA 71118	Web	Servicemember
On XX/XX/XXXX I received a lettter for a bill through a collection agency from XXXX XXXX XXXX in the amount that I do not owe. I called the representative from the agency on XX/XX/XXXX to dispute the charges. However, I did not get any help.
12/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	KS 66215	Web
Received collections letter on XXXX21. Says that creditor is XXXX XXXX XXXX, Account XXXX. AFNI account : XXXX balance : XXXX Letter states a settlement offer of XXXX has been suggested. states XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX
10/31/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	UT XXXXX	Web
XXXX XXXX has received the police report from the XXXX XXXX police department XXXX is the report number. I am not responsible for this debt. XXXX XXXX removed the debt but continues to keep selling this debt to third part debt collectors.
03/22/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	LA 71118	Web
I am request for to validate this alleged debt to clarify everything. I am not aware of this account with you so please send me validation and send it as a response to this complaint for CFPB to see it aside from sending it to my address.
10/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33013	Web
This is another debt collections company trying to threaten me with suspended license trying to extort me on behalf of an insurance company whos claim was already disputed both through them and the last debt collectors they tried to send
04/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	IN 46324	Web
I have made several attempt s to get AFNI to verif y this debt through XXXX . They continue to send me a copy of a final bill from XXXX disregarding any of the other information I requested per my right to get validation of this debt.
03/26/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37217	Web
I recently pulled my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never entered into a financial agreement with this company and neither have they ever provide me goods nor services.
04/02/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 37207	Web
I recently pulled my credit report and discovered that this company is reporting that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me a service that I agreed to pay them for
11/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	AR 72653	Web
This was from XXXX I called and cancled XXXX the person I talked to said there was no problem Just send a piece of the XXXX back. They even sent me a box for it. I dont try to cheat anybody so i feel that Idont owe anything to XXXX XXXX
03/31/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 10458	Web
They called me and we settled on an amount. I paid the amount over the phone. Now they keep reporting that we settled for a higher amount and I only paid partial amounts of the debt. They are doing fraud and messing up my credit score!
02/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web
{$430.00} balance i have paid this bill way over a year ago collection company that have it is AFNI Afni, Inc. XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Original creditor XXXX ( XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX.
12/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 981XX	Web
There is a Derogatory Account being put on my credit report from XXXX, it was reported XXXX XXXX, 2020. I have never had this account opened. I reported this and it was closed and it re opened and is back and affecting my credit score.
06/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 303XX	Web
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
01/10/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30213	Web
I disputed and they come back is correct nothing in writing has ever been received. This debt is definitely not correct. I keep saying I owe just not the XXXX nobody has provide a breakdown of amount my original signature or anything.
10/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 315XX	Web
They sent me a letter from a debt agency, I did n't know if it was true. I sent in two payments but afterwards, they told me I would not any get receipts for paying for it. So I sent them a verification letter they have not responded.
07/04/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30066	Web
I sent this debt collection agency AFNI a debt validation letter I believe on XX/XX/2023. They never responded per the FCRA they have to remove this debt I say I owe off my credit for failure to respond to the debt validation letter.
12/07/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94601	Web	Servicemember
AFNI INC put a serious past die on my credit when I called they could not tell me who they were trying to collect for said it could be numerous company PLEASE TAKE IN MIND SEE ATTACHED NO INFORMATION AND JUST A PARTIAL ACCOUNT NUMBER
09/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60637	Web	Servicemember
I was checking my credit report in XX/XX/2020 due to an alert from XXXX about an updated account on my credit report. When I logged in to identify the account, I noticed 3 collections on my 3 credit reports that I did not authorize.
08/02/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33525	Web
AFNI has reported a debt on my credit reports in the amount of {$720.00}. This debt has been disputed and was NOT Validated as my debt. AFNI also is NOT able to collect a debt in the State of Florida. This is a violation of the FCRA.
06/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60438	Web
I do not have a contract with AFNI. I am not liable for collection of this debt from XXXX XXXX. I am not responsible for this debt so reporting it on my credit is illegal. I am attempted to delete this debt with AFNI with no success.
07/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AL 365XX	Web
This debt was transferred to another collection agency and I made arrangements with the to pay it of. When I found out this item are been out to another agency I was surprised and made arrangements with them to pay bill. It was pain.
06/09/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA 91754	Web
Afni XXXX has failed to respond to my letters. I have requested validation of debt and requested any sign instrument of alleged collection. Till this date i have not heard from Afni and they continue to report it on my credit report.
03/10/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	DE 199XX	Web
I do not owe {$610.00} to XXXX and AFNI , INC which I immediately disputed with XXXX! AFNI , INC is buying Bogus collection accounts to hurt consumers, it dropped my XXXX credit by XXXX points! I need this to be removed immediately!
10/15/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77498	Web
I am a victim of identity theft and have recently seen fraudulent unauthorized accounts on my consumer report. Attached below is my request for full material disclosure and debt validation not verification.Along with my FTC Report.
08/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 62702	Web
Upon pulling my credit report from the reporting agencies, I 've noticed an account placed with AFNI with the original creditor being XXXX XXXX. I 've never had XXXX XXXX, as I 've been with current provider for more than 10 years.
09/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33060	Web	Servicemember
The debt collection agency AFNI is trying to collect from me {$1700.00} that i do not owe and it was reported as a Identity Theft and it was erased once from my credit report and now they put it back with other collection company.
05/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60538	Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
07/17/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27610	Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
04/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 484XX	Web
This creditor repeatedly reports false information on my credit report after numerous conversations of indefinite removal, violating the Fair Debt Collection Practices Act during a worldwide pandemic, legal action has been taken.
01/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	UT 84107	Web
AFNI is reporting a collection with a balance to my credit report. However I have already paid off this collection and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.
07/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92656	Web
On XX/XX/2019, AFNI filed a claim with the credit reporting agencies for a debt of XXXX $ associated with an XXXX XXXX XXXX account. This debt is invalid. I have sent them a letter via certified mail requesting proof of the debt.
04/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27707	Web	Servicemember
I am trying to repair my credit after identity theft. I have XXXX XXXX and noticed this company AFNI was placed in collections for XXXX as of XX/XX/2018. I have never had a relationship, contract or any service with this company.
10/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 30339	Web
i, XXXX XXXX have never applied for credit application or any inquiry with AFNI. AFNI is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my consumer report on date of XX/XX/2020 without my consent
07/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91214	Web	Servicemember
I have not subscribed to XXXX XXXX XXXX XXXX services for over 5 years. This is an attempt by them to collect on charges that used to be on my credit report and was removed by the CFPB due to them illegally re-aging the account.
06/14/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77021	Web
I do not have a contract with AFNI. I am not liable for collection of a debt from XXXX . I contacted AFNI on two occasions to inform them that I am not responsible for this debt due to no contract of services/payment agreement.
05/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX XXXXX	Web
I paid in full and received it in writing however afni still acquired the account way after settlement and it 's showing on my credit report. Afni should not be reflected anywhere on my report because it was paid in full to XXXX
07/22/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07109	Web
I have spoke with XXXX on this years ago!!! A phone was put in my name and the bill was never paid!! This should not be on my credit report!! I advised to my Attorney on this and will try this option first before the next steps!
02/18/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	FL 33470	Web
Company AFNI is stating that they're attempting to collect a debt in the amount of {$220.00}. These was never a debt own to XXXX at anytime. I did in fact reach out to XXXX and they stated there has never been a debt with them.
06/28/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 777XX	Web
On XXXX XXXX, 2017 Afni responded to my complaint with the bbb saying they would delete their account from my credit reports. They deleted theit account from my XXXX credit report but have NOT on my XXXX report and XXXX report.
11/23/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TX 752XX	Web
I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to request the following information and determine my next actions.
02/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC 20003	Web
I recently got a notification on my credit report about a derogatory account being opened. " ANFI '' opened an account attempting to collect a debt that is not mine, nor did I receive any correspondence of anything being owed.
07/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21224	Web
Dear CFPB, I am filing this complaint through your office for assistance in regards with the inaccuracies on my credit file. I have mailed a dispute to credit bureaus but I was not able to receive a good response. AFNI XXXX
11/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10460	Web
There are 2 fraudulent collection accounts on my credit. XXXX XXXX AND AFNI. I didnt open these accounts nor did I authorize anyone to open these accounts on my behalf. Please remove these 2 fraudulent accounts from my credit
08/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	CA 92708	Web	Older American
I was denied an application for a credit card due XXXX Report. The person that has a delinquent payment do not have the same last name as mine, and same social security as mine, XXXX put that person in my credit report file
06/18/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 804XX	Web
I never signed a contract with XXXX XXXX and XXXX XXXX was in agreement. However, they put a {$580.00} collection on all three credit bureaus. This is not my debt, I do not owe this collection and they refuse to remove it.
09/25/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 20743	Web
Afni, Inc is reporting false information on my credit files. I continue to request for validation and verification and they will not validate the alleged debt. This is not my debt and i request deletion as soon as possible.
07/11/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 151XX	Web
XXXX bill was NO longer in my name, when it went to collections. I took my name off the account 4 weeks after account/line was opened. Myself and the primary account holder completed a change of liability at the XXXX store.
04/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85042	Web
I have a debt collection reporting on my credit for account I never used. I do not recognize the debtor nor have I ever opened services with this company. The information is completely inaccurate and does not belong to me.
10/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92392	Web
I AM BEING CHARGED FOR A PHONE BILL I DID NOT OPEN. I AM ALSO BEING HARRASED ABOUT NOT PAYING MY CAR NOTE ON TIME WHICH IS ALSO UNTRUE I HAVE CONTACTED THE COMPANIES ON SEVERAL OCCAISIONS BUT TO NOTHING HAS BEEN RESOLVED.
08/28/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91746	Web
I made a complaint about this debt not being mine through XXXX and now it is showing on my XXXX credit reports. This debt is not mine. I do not know whos account it is. but now it is affecting all XXXX of my credit reports
08/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10469	Web
Therea re 2 fraud collections on my credit : They are : AFNI and XXXX XXXX I didnt open these accounts ... I didnt use these accounts and I am not liable for these accounts. Please remove these accounts from my credit.
06/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NV 89106	Web
I've sent written demands to Credit reporting agencies and direct creditor to validate debt within the allotted time required. I have not heard back from said company with validating to debt to be mines with my signature.
09/02/2017	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33021	Web
I have no contract with this company and this company is not licensed to collect in Florida and this account have been removed from my report previously and was reinserted without any notification. Which violate FCRA laws
05/19/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77385	Web
This company keeps reporting on my credit file, I have disputed and called. This company does n't even have a social associated with this account. I have never had a XXXX cell phone, I need some help to resolve this issue
12/31/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 275XX	Web
I do not owe this debt. The description says the original creditor is XXXX and I currently have an account with XXXX so how do I owe them a debt. I have no knowledge of who Afni is and I do not have a contract with them.
04/11/2023	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	VA XXXXX	Web
A representative names XXXX said he was going to report me to his supervisor as in default of debt, in which I would be responsible for the entire amount, he said if I do not pay them, then my license will be suspended.
05/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 770XX	Web
I noticed this on my credit reports. I have no knowledge of this account or debt. This is not my provider & have not used this service since I previously paid off a debt from XXXX XXXX XXXX and have not used them since.
03/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75248	Web
I reached out to AFNI, INC. to request a contract or a an agreement in regards to the debt that they're trying to collect.. because I've never had a contract nor an agreement with them. They have not contacted me back.
08/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 356XX	Web
I have received a copy of my credit report and there is a debt of {$410.00} listed as in collection from original creditor, XXXX XXXX, dated as opened on XX/XX/16. I did not attempt to open any accounts with XXXX XXXX.
11/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95035	Web
I got nothing owed from XXXX company since I cancelled my account from them on 2012. Do not know how they got it I am just tired dealing with this collection agency. So, I reported these matter to stop! Thanks, XXXX
09/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NE 68046	Web
ANFI has reported a collection item to the credit reporting agencies on me that is false. The collection is on a XXXX bill which I never incurred. I have never had XXXX. I disputed it but the agency will not remove it.
11/12/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30038	Web
I deny this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge and have no contractual agreement with Afni
03/15/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94621	Web
Afni collection services placed a fraudulent account on my credit. They sent me a notice to collect on the debt however when I viewed my credit the account was already there before they attempted to validate the debt.
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75232	Web
there is an inquiry on my credit report from a companythat i dont recognize and they did not have my written consent to do so and are in violation of 15usc 1681b afni XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/29/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 19018	Web
On XX/XX/2021 I sent a letter to AFNI, INC. requesting information on an alleged debts they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
09/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 272XX	Web
I am currently an XXXX client. I received information that I have a collection in from XXXX. but how do I have an account that is current and one in collections? i have tried asking them and they stated it is mine.
12/06/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90028	Web
AFNI is Reporting a debt on my credit that was sold to them by XXXX. XXXX also sold this fraudulent debt to XXXX XXXX. This debt was was removed from my credit. This is against the Law according to the FCRA and FDCP
04/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 93726	Web
My account was disconcted last year because i could n't work with the payment on XXXX 2015. The amount they are reporting is almost 5 times more that it originally was ... And will not pay something i do n't owe.
08/26/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 34747	Web
I was notified by a credit alert about the debt. I have never received any sort of communication regarding this debt or had a chance to validate it. They are violating the Fair Credit Reporting Act by not doing so.
08/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MN 55124	Web
Collection agency is trying to collect some money from me that has been closed several months ago due to the years that has been in my record. The case were closed, until such that they decided to open it up again.
03/18/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85201	Web
account re added the same XXXX account to my collection with out a XXXX day reinsertion notice, by a new debt collector was with XXXX now with Afni, XXXX reported I owe {$190.00} Now Afni report I owe {$190.00}.
03/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33125	Web
This is not my debt. My name is XXXX not XXXX. They are trying to add a debt to my credit report that does not belong to me They also have no physical proof of a document that shows I physically signed anything.
05/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46260	Web
This company has added a collection account to my credit that does not belong to me. Upon noticing that this account was on my report, I reached out to let them know that it did not belong to me but to no avail.
01/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 900XX	Web
I do not understand why this is till on my credit and where its coming from I previously tried to contact the company regarding this {$1000.00} debt that has been negatively affecting my credit since XX/XX/2017.
09/19/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 189XX	Web
From XX/XX/XXXX, 2017, through XX/XX/XXXX, 2017, I have tried to continuously get the information that is being reported as not paid and requested for validation of the debt, however, no one has responded to me.
07/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92801	Web
AFNI , INC Has submitted a collection that is not mine. I have never used " XXXX '' and I do not owe XXXX or AFNI, INC. any debit. I have had NO communication with either of these companies by phone or by email.
12/24/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	PA 17315	Web
Constant repeated calls, inflated amount owed nearly doubled, offered settlement with no negotiation. Lost my job due to XXXX took 6 months to get unemployment check but they didnt want to hear that. Very rude.
07/21/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32218	Web
I received an alert from my credit bureaus stating my credit account has dropped due to a collection account, never opened an account with afni and it just showed up on my report. I was never contacted by them.
05/06/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29485	Web
I completed a Police report on XX/XX/2021. Sent a letter certified mail to AFNI XX/XX/2021 and XX/XX/2021 for validation of the debt and got no response. active fraud alert is on file with all 3 credit bureaus
03/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76036	Web
XXXX XXXX XXXX XXXX keeps refuses to remove a debt of $ XXXX from my report after i have filed multiple disputes atating that this was due to identity theft. I have never had XXXX XXXX XXXX as a phone company.
03/18/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AL 359XX	Web
I have attempted numerous occasions to handle debt with original collector. The equipment was returned and was to be credited to account after receiving. I want to see this debt removed from my credit report.
08/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI XXXXX	Web
In XXXX I discovered Afni Inc had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.
08/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AR 71603	Web	Servicemember
AFNI DEBT Collectors are saying this XXXX XXXX XXXX BILL FOR {$1700.00} is a new debt and it is not. Im sure that it was written off in my Chapter XXXX. And this debt is about 3 years old its back from 2015.
06/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	NC 270XX	Web
XXXX is billing me for a 2011 charge that is incorrect. Called my renter and scared them into paying the bill. Gave them all my personal information even secured my SS # with them!! I need help this is wrong
05/17/2023	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	NY 10550	Web
Pursuant to 18 USC 8, owe no debt. This company is violating my consumers right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
10/17/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 48089	Web
Afni Collections has violated my federally protected rights under the fdcpa. I never received notice to dispute you are now on notice to cease all communication from all mediums including my consumer report
08/22/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02301	Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
03/29/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 21215	Web
I called this morning XX/XX/2017 to get them to validate the debt they say I owe to them but I have never had an att account they put it back on my credit once again after it was removed already once before
10/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 49048	Web
Reviewed credit report and AFNI is listed as a debt collector for XXXX. I havent had a XXXX account in 5 years and no funds are owed to them. I request that this be removed off my credit report immediately
09/03/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75078	Web	Servicemember
We have current account with XXXX XXXX XXXX. We are setup on an autopay and our account is in good standing. We do not owe anything. I have an extremely common name and get mistaken often for someone else.
09/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web
XXXX XXXX XXXX, AFNI, XXXX XXXX, XXXX XXXX ... 4 different company request demand same payment on account not mines VIOLATES '' FCBA AND FDCPA '' ... REMOVE, CLOSE AND DELETE FRAUD ACCOUNT FROM FILE ASAP
05/11/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OR 972XX	Web
I paid my debt to AFNI in full but it still shows on my credit report that the status is " collection/charge off ''. It was not charged off as I paid in full and it has n't been in collection since 2013
03/29/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75043	Web
I have not received any documentation validating the debt that they are trying to collect. I have not been provided with a contract or any instrument bearing my signature validating that this debt is mine.
09/05/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30045	Web
on XX/XX/28 I mailed a letter to AFNI regarding a bill I received from them in the amount of {$150.00}. Its been over 30 days and no response. I've never had any knowledge of this debt and it is not mine.
10/27/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	AL 365XX	Web	Older American, Servicemember
This is about two different collection agencies attempting to collect a disputed charge from XXXX ( XXXX ). I have sent both of them a letter disputing the charges. I will attach a copy of both letters.
04/03/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30907	Web
Never agreed to, received or used XXXX XXXX XXXX XXXX XXXX service and/or contract details may not have been fully disclosed by company during cell phone contract initiations. This was disputed years ago.
05/19/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TN XXXXX	Web
I recently checked my credit and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with them nor have the ever provided me with goods or services
03/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48219	Web
I received a notification about an XXXX & XXXX bill on my credit report that I did not open. I reached out to XXXX about removing the negative report because of fraud and nothing has been done about it.
07/11/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39759	Web
AFNI {$200.00} DO NOT AND DID NOT CONSENT TO YOU TO PLACE THIS ON MY CONSUMER REPORT THIS NOTICE IS TO CEASE AND DESIST ALL ILLEGAL ACTIVITIES WHICH INCLUDES REPORTING CONSTITUTEs COLLECTION ACTIVITIES
12/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NY 10002	Web
the debt collector called me last 2 months ago in paying off my account. and i already make the payment. but they did n't close the account and now i recieved collection payment from different company.
07/13/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33020	Web
I am not liable for this debt with XXXX XXXX and I do not have a contract with AFNI plus they did not provide me with the original application like I asked. Account XXXX Amount Disputed : {$2100.00}
05/03/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OK 73703	Web
AFNI Collections has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
04/03/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 303XX	Web
I had an account placed on my credit report by Afni, Inc. they have been advised that this is fraud and identity theft. I have provided them affidavits of fraud and forgery as well as police reports.
09/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77004	Web
I have asked for validation and verification on several occasions and AFNI have not been able to validate and verify pursuant to XXXX, and XXXX. The original creditor is XXXX. I do not owe this debt.
11/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	AZ 853XX	Web	Servicemember
debt is not mine had it remove before and they re age the debt so it show up credit report as a new debt and reporting a date of open of XXXX XXXX 2015 and the debt should have a later date then that
03/16/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 33409	Web
this account just open XX/XX/2019 ( 2 mos ) Account status Open Type I have no idea where this come from but i have Identity death I am thinking that's what i am happened they have my police rapport
10/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33324	Web
This is my many attempt try to fix this issue. This account that collection is not mine even they said is accurate. Please remove this as is affected my credit report. I'm drained to this situation
06/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19144	Web
I do not owe the collection that is appearing on my consumer report. This company has also violated US code 1681 ( b ) subsection ( a ) ( 2 ) by contacting me and reporting onto my consumer report.
05/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70816	Web
This is not my debt. I have never had XXXXXXXX XXXX. I have been a victim of identity theft. I contacted the government and they never got back to me. Someone used my SS # to collect unemployment.
07/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IN 464XX	Web
It 's not the collection agency dept to collect ... i do not have or had a contract with the company afni for {$1000.00} owed ... therefor it should not be on my credit report from all 3 bureau 's
03/15/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 29414	Web
A phone account with XXXX was opened linked to my address with an incorrect last name for me and it was not something I requested during a time I did not live at the address the bill is linked to.
07/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 279XX	Web
Receiving a letter stating I owe a payment for an accident in a truck I did not own and an accident I was not in to the insurance company XXXX. Stating they will submit to DMV and take my license.
01/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43224	Web
Sent debt validation to company in regards to alleged debt owed on XXXX, no response or proof of contract/proof of debt owed returned. Credit report showing balance of {$1500.00} that is not owed
03/11/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	VA 23188	Web	Older American, Servicemember
found a collection for {$420.00} on my credit report. XXXX has not sent me the final bill i requested in a chat in 2015, XXXX never responded to my requests and i find a collections on my report.
04/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	DE 19901	Web
XXXX XXXX XXXX Contract was canceled. The original creditor sold the account to another agency and wrote it off on their corporate taxes as a loss and therefore, they have no claims against me.
07/26/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60653	Web
Afni, inc. collection showed up on my credit report on XXXX without sending any correspondence related to the debt or my right to dispute the debt. This collection should be removed immediately
10/12/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 303XX	Web
This company repeatedly calls me at work. and they leave a message on my work phone that it is about a debt. My voicemail clearly states the number is for a company. It is not my personal phone.
09/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44124	Web
I opened an account with XXXX There was a third party credit check applied 6 months into my agreement that was sent through mail to inform me of identity theft though XXXX use of my information
09/02/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	KY 40299	Web
I recently pulled my credit report and discovered that this company has placed this item on my credit report without notifying me of the debt which I am afforded under article XXXX of the FDCPA
05/20/2017	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 07002	Web
Afni ha s XXXX collection items. XXXX XXXX XXXX a 2012 chargeoff. XXXX public records showing on my report that are not on my XXXX report please remove them from XXXX XXXX .
12/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70068	Web
On XX/XX/2020 I contacted Afni Inc via certified mail regarding two violations they made. The bill was in the amount of {$1000.00} therefor I sent them an invoice in the amount of {$2000.00}.
06/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32609	Web
I asked for verifiable proof that the debt was mine and have not been given that. This debt was the cause of Identity Theft. I disputed early part of 2019, please help me resolve this matter.
02/26/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NC 28303	Web	Servicemember
Several months ago, I disputed the reporting of a old XXXX XXXX XXXX XXXX account to the credit agencies. As of today, this account is still being reported, although it is over ten years old.
07/30/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30248	Web
I do not have a signed contract with AFNI. I have never done business with this company. I am not liable for collection from this debt from XXXX. I am not responsible for this debt with AFNI.
07/03/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	TX 77021	Web
My mother took out a loan in my name and then left the payments to lapse onto me. My credit score is less than XXXX now and I have been informed that charges are going to be filed against me.
05/27/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MT 598XX	Web
Closed XXXX network account and being charged after told it was not an issue if I sent the equipment back by using their shipping boxes, which I did. However, they still charged me afterward.
07/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10455	Web
The collection agency told me if I paid XXXX this would resolve my XXXX account as paid in full. I paid the money they removed it for a year now it's back with another company with demands.
08/22/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IN 46307	Web
AfNI / collections account ... I asked several times for proof and I still have not got an answer showing proof its mine. I 've asked for it to be removed and they still have n't removed it.
11/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 93610	Web
got a letter in mail about a debt XXXX to afni inc i do not owe this company any money they are just buying debts on line and selling back and forth im gon na sue you afni dont play with me
03/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IA 52803	Web
afni, inc. sent a letter stating I owe money to XXXX XXXX and to pay to their company ( afni ). I contacted XXXX XXXX and my account has been closed for 2 years with no outstanding balance.
02/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	IN 46226	Web
I have repeatedly tried to contact AFNI, INC to no avail. It is putting a derogatory mark on my XXXX, XXXX and XXXX credit reports. This account is hurting my ability to apply for credit.
05/04/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MT 593XX	Web
AFNI has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
05/01/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70065	Web
I sent a debt validation letter on XX/XX/XXXX by certified mail and they received it on the XXXX and still have not responded with a contract with my signature or anything for that matter.
12/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OR 970XX	Web
A company by the name of AFNI has reported a collection debt on my credit report as in collection, but has made no attempt to contact me either by phone or mail so this debt can be settled
01/24/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 43612	Web
They try to sent an collection notice to me but on on the purpose sent to the wrong address. and keeping telling me about that if I not pay for and it will be damage your credit so badly.
01/19/2017	Yes	Credit reporting	Incorrect information on credit report Account status	GA 30084	Web
This account was paid and closed and Is showing collection on my credit report. I was told by the collection agency that this would be removed. I want this account removed from my credit.
02/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 44646	Web
Received a letter from Afni, Inc. attempting to collect an alleged outstanding debt owed to XXXX XXXX XXXX when I have never had an account with XXXX XXXX XXXX for any product or service.
01/26/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 710XX	Web
I have been trying to reach this company about this alleged debt but I haven't gotten their response so here I am seeking help from the CFPB and Atty General to get this matter resolved.
02/18/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 27587	Web
AFNI is listed as a collection account on my credit file for the amount of {$1000.00}. I NEVER received any written notifications or calls from this company advising of the alleged debt.
09/06/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85711	Web
Creditor tried to contact me by calling my boyfriend, whose number I never gave to the company. They tried asking him personal information about me that included my date of birth and SSN
08/03/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32714	Web
Good evening, I have a collection on my credit report from a collection agency, AFNI, for a bill from XXXX XXXX XXXX. AFNI is not a licensed collection agency in Florida. Can you assist?
04/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	PA 183XX	Web
repeated phone calls on sunday. late in the evening. i always tried to make arrangements for payment and i was told it was not acceptable and i had to come up wiyh more money than i had.
02/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MD 21222	Web
A XXXX cell phone debt that was sold to AFNI, and previously discharged in my bankruptcy, ( both XXXX and AFNI received notices ) is reappearing as a recent XXXX 2015 .collection by AFNI
08/02/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 325XX	Web	Servicemember
XXXX has removed the trade lines due to identity theft. This company continues to report it to my credit reports even though they have been notified more than once it should be removed.
02/03/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OK XXXXX	Web
I disputed this collection and it was removed from credit history on XX/XX/XXXX. I have received a letter dated XX/XX/XXXX attempting to collect the same debt for the same amount again.
01/01/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IL 60619	Web
I was offered a settlement offer and exchange to have the account removed, which I took advantage of, as of the date of this dispute this account remains on all XXXX of my credit files.
07/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75227	Web	Servicemember
Debt collector, AFNI, has not provided verified evidentiary proof of indebtness from the original creditor, XXXX XXXX XXXX within 30 days of my original dispute submitted on XX/XX/2016.
06/15/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60504	Web
The company AFNI, INC has attempted to collect a debt that does not belong to me. The following account should be removed immediately it is not mine nor is it associated with me ; XXXX
01/13/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75104	Web
AFNI has defamed my character, reported incorrect information on my credit reports without validating the debt. They have violated quite a few of my rights pursuant of the 15 USC 1692.
04/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75043	Web
I just wanted to confirm that this account will be deleted from my credit bureaus. It seems like my last request got sent with the last 4 of my social but in my husband name. Thanks.
03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30318	Web
I am Not aware of these accounts my social security card was in my wallet and i check my credit reports and these accounts were open in my name and these accounts do not belong to me.
01/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75230	Web
Ive already asked the creditor to provide documents that prove I own this suspicious account but they still have not responded yet! I have no recollection of ever owning this account!
10/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 91710	Web
Have sent letters to collection company stating this account is not mine send a copy of a signed contract. Collection company has failed to respond to my letters in the past 3 months.
05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30274	Web
The perpetrator somehow got ahold of my information and opened several phone accounts in my name. I myself XXXX XXXX did not open these accounts and never have I used these accounts.
07/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30342	Web	Servicemember
AFNI Inc has 3 accounts listed that do not belong to me. Only one has a balance owed. Enclosed is 3 attachments of the erroneous accounts. And a copy of my complaints I sent to AFNI.
04/10/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30024	Web
On XX/XX/20 i noticed a collection agency trying to collect a dept that i have no knowledge of i dont know this company nor have i signed any agreement with them nor there affiliates
02/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 90403	Web
XXXX XXXX XXXX is selling unverified debt to AFNI, INC, there is no contract in place for either one of these companies and they are reporting this unverified debt as being accurate.
02/22/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92027	Web
This company AFNI is putting a collection account on my credit report for a debt that is not mine. They listed the debt for 2017 from XXXX XXXX however I have not used their services
05/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA XXXXX	Web
I received an undated letter from a company called Afni with an address in XXXX Illinois. They are allegedly attempting to collect an alleged debt on behalf of XXXX for {$3700.00}.
11/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 19013	Web	Servicemember
i never had or owned a XXXX phone or XXXX due to my living arrangements i did not have all my information and a lot of my personal belongings where not given to me or thrown away.
12/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OR 97754	Web
AFNI , Inc : trying to collect debts from someone who opened an XXXX XXXX XXXX acct. This account was not opened by me. Reported and disputed as fraud. Unsure the amount charged.
05/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IA 527XX	Web
On my Credit report it just pop up a collection from a lender AFNI 11 at T with the amount of {$500.00} age of account 3 months. I am not familiar with this lender or collection.
04/07/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MA 015XX	Web
Calls my house under a " spoofed '' number, hangs up, calls back and threatens to sue me If i do n't pay a debt that I do n't owe. Have told them to Cease and Desist all contact.
11/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MI 497XX	Web
I have sent XXXX certified letters to the company requesting more information and they have chosen to ignore my communications and also to not put disputed on my credit report.
08/10/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX XXXXX	Web
I open my credit report today and see there is a new collection from a company I have never heard of. I was not even mailed a notice to dispute. No idea what is going on here.
10/27/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 895XX	Web
I wrote a dispute letter on XX/XX/2020 trying to verify the account they have on file i have the original dispute letter from XX/XX/2020 and receipt of delivery of the letter.
05/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 759XX	Web
The dates is so long ago i don't recall. I just know these items have been disputed and deleted at least twice. The amounts shows {$75.00} and {$99.00} both opened XX/XX/2020.
07/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	UT 84121	Web
AFNI-XXXX is currently reporting a balance and these have been paid. I no longer owe this debt and it should not be reporting a balance. It is negatively affecting my credit.
07/12/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91977	Web
I had already paid XXXX off 2 years ago and they claim I never did. I have submitted countless items of proof and they keep sending me to collections. Very unethical company.
02/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 603XX	Web
ON XX/XX/2020 A CABLE BILL WAS OPENED UP IN MY NAME WITHOUT MY CONSENT. THE BILL IS {$980.00} DOLLARS. ORIGINAL BILL IS XXXX BUT NOW THIS COMPANY IS TRYING TO SAY ITS MINE.
09/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WI 53218	Web
On XX/XX/2020 I disputed this debt. I have never signed a contract. I don't know who this company is. I have not done business with this company. I do not owe this company.
08/27/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32608	Web
On XX/XX/2020 received a noticed from XXXX that account was opened by AFNI for {$710.00} on XX/XX/XXXX. I did not open account with them nor have I done business with them.
10/26/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 278XX	Web
received a letter from afni stating that they were debt collecters and I owed a bill to XXXX for over XXXX dollars. I contacted XXXX to make sure and I do not owe any bill.
11/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78228	Web
AFNI, INC. is listed on my credit report under collections account. Ive reported that this account does not belong to me through XXXX dispute and its still on my account.
09/25/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MN 560XX	Web
Afni has re-aged my a account on my credit report. They have the account opened in XXXX of 2019 I did not have right to dispute nor receive any letters from this company.
09/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 48239	Web
I advised AFNI on several occasions that this debt is not mine. They will not remove this from my credit report nor have they provided PROOF that this debt belongs to me.
07/15/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30680	Web
Today I'm mailing a XXXX letter requesting debt validation for this unknown collection account. To be sure the company acknowledges receipt, I'm sending it here as well.
01/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 774XX	Web
XXXX had 3 different accounts under my name at 3 different addresses which i never opened. they have sold the debt to AFNI XXXX and keeps appearing on my Credit report.
12/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	HI 967XX	Web
I have received multiple bills from this collection company, but after research have discovered that they are not authorized to collect this debt in the state of Hawaii.
03/10/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	GA 30605	Web
This account was paid in full and closed by the original creditor which is XXXX. AFNI Collection Company continues to report inaccurate information on my credit reports.
11/15/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	IL 61103	Web	Servicemember
AFNI is reporting and attempting to collect on a debt that was covered by the VA. I do n't have any medical bills ever. As a veteran all my medical is covered under VA.
09/28/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NV 89169	Web
The company is in violation of selling my debt to a collector which continues to harass me for money I don't owe I wish to have this removed from my credit immediately
01/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 49444	Web
I have never had a personal XXXX phone account, only a business account XXXX is no longer a cellphone business, I am being harrassed regarding debt that is not my own.
11/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30339	Web
This account was fraudulently opened and maintained. I've contacted the company and communicated that. But they keep calling and trying to get me to pay on an account.
03/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75068	Web
I have had this debt already removed by XXXX different agencies. They investigated and stated it was not my debt. However XXXX still has this debt on my credit report.
10/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48224	Web
Someone has access to my personal information and is ruining my credit by making outrageous purchases and inquiries. I have no knowledge of what or who this could be.
05/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 462XX	Web
These account have been sold. I am no longer liable for the alleged. An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.
10/13/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	DC 20020	Web	Servicemember
I do not know anything about this debt collection coming from Afni, Incorporated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX , XXXX original creditor.
02/09/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77546	Web
AFNI is claiming that I owe them {$350.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
09/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OK 73110	Web	Servicemember
I've identified information on all my reports that are a result of identity theft, these items are not related to any transactions completed by me. SEE ATTACHED
04/26/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77450	Web
The following agency is not bonded in the state of Texas, and can not legally collect debt. Please remove from my credit report and confirm that debt is not owed.
02/09/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23454	Web
AFNI Last reported XX/XX/XXXX Open balance XXXX Opened- XX/XX/XXXX Account status- open Remarks- places for collections Original creditor name- 11 XXXX XXXX XXXX
03/13/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	PA 17403	Web
I have a XXXX bill that is way to much and it 's affecting my credit score never saw a bill that high please help me for it can get my credit score back on track
12/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	NY 13069	Web
AFNI tried to offer a different amount to collect. The collection listed is paid in full to XXXX on authorization # XXXX. Not to mention the agent was very rude.
06/24/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77388	Web
I SENT AT THE END OF XXXX A LETTER TO THIS COMPANY REQUESTING THEM TO STOP HARASSING ME AND TO TAKE THIS ACCOUNT OFF OF MY CREDIT REPORT DUE TO IT NOT BEING MINE
11/23/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 339XX	Web
XX/XX/XXXX, {$900.00} AFNI , INC . XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX I've visited the website, but I've never signed up for these accounts.
03/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27103	Web
AFNI is claiming that I owe them {$69.00} with an Account Number:XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
03/29/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TN 37040	Web	Servicemember
I contact the creditor numerous times that the debt is not mine. The creditor has not validated the account but yet still placed the account on my credit report
06/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	PA 170XX	Web
i never had this account i tried to contact the, m but run around. my score is so low because of this .why and i need to do something about this now. thank you
07/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 773XX	Web
XXXX account was completed on 2 year agreement back in XXXX and both phones were returned back to XXXX store and last monthly bill was paid to a XXXX balance.
07/19/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 604XX	Web
AFNI informed me that if I paid the debt they would delete off of my credit reports. AFNI is still reporting as a collection on my XXXX and XXXX credit report.
12/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 90012	Web
I have filed a dispute in regards to the incorrect items on my credit report. I has been well over XXXX days and I haven't received any investigation results.
11/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 80247	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.
09/18/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27713	Web
on my credit report I have a collection of {$950.00} from a company called XXXX Collections. I do not know this company or know what this collection is about.
08/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 601XX	Web
I contacted this debt collector requesting debt validation information via certified mail over 30 business days ago and I have still not received a response.
03/09/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33572	Web
There is an account that is unknown to me reporting on my credit file. This is not mine nor have I ever been sent anything regarding this matter. Please help
03/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 436XX	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43615	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
12/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 300XX	Web
Account appeared on my credit reports. I disputed it, it was removed and company added the account back to my credit and continue to make attempts to collect
09/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30331	Web
THIS COMPANY AFNI INC ORIGINAL CREDITOR ( XXXX ) IS STILL REPORTING ON MY CREDIT FILE. THIS ACCOUNT IS SHOWING AS COLLECTION BUT IS ALSO REPORTING PAST DUE.
01/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33415	Web
i have filed a dispute in regards to the incorrect items on my credit report. it has been well over 30 days and i haven't received any investigation results
10/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 95824	Web
I see in this account that this report lacks information. How did you prove that this account belongs to me if the information you provided is not complete?
07/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IN 46324	Web
I filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I have yet to receive any investigational results.
12/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	NV 89107	Web
AFNI XX/XX/2020 {$2000.00} My credit repair company has disputed this account but this is not me nor my debt. My credit repair Company is the credit people.
04/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX XXXXX	Web
The debt they're are trying to collect is an XXXX & cable bill. I didn't sign up for someone used my name to get cable, I tried to tell them it is a fraud.
07/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30044	Web
Debt reported by AFNI for XXXX was already disputed and removed on other reports. They are now trying to put this back on my credit report which is illegal.
09/27/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 166XX	Web	Servicemember
XXXX bought a 3 year old debt from XXXX XXXX and reaged it as a new debt dated XXXX2017, I have disputed it but the credit bureau said it met the fcra regs.
09/24/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 190XX	Web
PLEASE DELETE AND REMOVE FROM CREDIT REPORT AFNI- Sprint PLEASE NOTE- CREDITOR MAKES NUMEROUS HARASSING PHONE CALLS AFTER BEING TOLD TO CEASE AND DESIST!!!
06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29210	Web	Servicemember
I mailed in a dispute regarding items in dispute regarding identity theft. It has not been processed. Please process the attached information for dispute.
06/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29210	Web	Servicemember
I mailed in a dispute regarding items in dispute regarding identity theft. It has not been processed. Please process the attached information for dispute.
09/09/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IN 46229	Web
On XX/XX/2020 I seen an account on my credit report for XXXX I dont know who or what company this is. I tried to disputed the account nothing has happened
12/28/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	OK 73170	Web
Date of last activity is left off and collection made to look recent. Date of Last Activity on Credit report reflects no date and should show XX/XX/2017.
05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AL 35404	Web
I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I haven't received any investigation results.
08/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77087	Web
Ive contacted this company on several occasions this is not my account i also asked them can they validate the debt they have not this is not my account
06/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 11510	Web
i Filed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and i have not received any investigation results.
06/06/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23462	Web	Servicemember
Afni collection agency is asking for XXXX dollars for a XXXX account I have no information about or anything contact information to settle the debt.
03/13/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	OK 74021	Web
I recently paid of both debts on my credit account and one has been removed but this one is still remaining. How do I get it removed and listed as paid.
01/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OH 44122	Web
AFNI INC A DEBT COLLECTION COMPANY ADDRESS XXXX XXXX XXXX IL XXXX REPORTING INACCURATE INFORMATION TO MAJIOR CREDIT ANGENCY HOW ARE THEY VERFIED? THANKS
12/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IN 462XX	Web
I have not received any information regarding the investigation and it has been well over 30 days. These items need to be removed from my credit report
08/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70737	Web	Servicemember
I am a federally protected consumer and AFNI has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
02/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IN 46835	Web
PAID ORIGINAL CREDITOR ALREADY! THIS BILL IN IN DISPUTE UNDER FCBA ACT. CEASE AND DESIST COLLECTION EFFORTS AND STOP CALLING MY WORK AND CELL NUMBERS.
09/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	IL 604XX	Web
i have a filed a dispute in regards to incorrect items on my credit report. it has been well over 30 days and i havent received investigation results
04/13/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63146	Web
Company sent a letter saying the would no longer pursue collection activities. But they continue to report negative information on my credit report
11/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 78258	Web	Servicemember
I recently disputed this debt with AFNI agency but This was a identity theft or used by someone else. I have never done business with this company.
01/13/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77045	Web
I 've sent Afni a letter asking for validation of the debt I allegedly owe them. I 've never done business with Afni and do not know who they are.
11/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 35126	Web
I am a victim of identity theft, the following account listed on my credit file should not be listed there. Please remove it as soon as possible.
10/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60617	Web
I never had XXXX I have had XXXX for the past 8 years and. An prove it. I communicated this to others XXXX and afni but they still wo n't remove.
09/30/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 150XX	Web	Servicemember
I have disputed the debt with the collection agency. The only result I get back is that it is accurate. I do not receive an explanation of debt.
09/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 44122	Web
I have called and made payment settlement and have paid the amount promised. I was told that the account would be deleted from my credit report.
06/02/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33186	Web
THEY REPORTED A DEBT OF {$270.00}. I DON'T OWE ANY MONEY TO THE COMPANY OR TO XXXX XXXX XXXX XXXX. I ASKED FOR PROOF OF DEBT, AND NONE WAS SENT.
12/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	IN 46214	Web
THIS IS A XXXX ACCOUNT THAT WAS OPENED UNDER MY NAME ILLEGALLY WHEN I WAS A MINOR. IT IS AN ALABAMA ACCOUNT AND I HAVE NEVER RESIDED IN ALABAMA.
07/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OH 457XX	Web
Filed complaint in XXXX of 2015. original company told AFNI to stop collection. After checking my credit report they have continued collection.
02/02/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CT 06108	Web
I sent a out a latter to XXXX and XXXX about a debt that is inaccurate. And I gave them 30 days to reply and they have not yet responded back.
12/10/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 945XX	Web
Afne and a man XXXX keep calling about a bill i do not owe them. Ive asked communication to stop. it needs to stop. No phone calls no mail.
11/29/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77550	Web
I mailed a letter on XX/XX/2018 to verify this debt the company never responded. I mailed another letter XX/XX/2018 I am awaiting a response.
03/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 77346	Web
If they were to search their system for the shipping label, they sent us, then we could track it and see that they did receive the equipment.
01/15/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	IN 46835	Web
AFNI FAILED TO VALIDATE A UNAUTHORIZED DEBT INQUIRY ON MY XXXX CREDIT REPORT DATED XXXX/XXXX/2016. SEE ATTACHED. IGNORED CEASE AND DESIST.
08/25/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 705XX	Web
This debt for XXXX XXXX XXXX not owed. Paid in full. company alleged that I had not paid the bill and I did in fact pay them no balance due
11/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75206	Web
I received a collection notice from AFNI , Inc. alleging I owe XXXX. I do not and have never had a debt with XXXX and the debt is disputed.
04/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	VA 22193	Web
I was told I had a phone services and I haven never had these phone services. I currently have XXXX and been with them for over XXXX years.
08/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19134	Web
This debt is not owned by me I have never signed an agreement to pay this collection or signed any paper work with this collection agency.
04/01/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 60640	Web
I am not sure where it came from. A debt collection company is claiming I owe {$190.00} from XXXX. I have not dealt with XXXX in 10 years.
04/25/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	OR 97206	Web
Afni is attempting to collect a debt by mail that I am certain I do not owe. It is for a XXXX account and I have never had a XXXX account.
07/06/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OR 97219	Web
Received a notice dated XX/XX/2020, trying to collect a debt for XXXX, for which I've never had an account. It's not on my credit report.
05/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 78577	Web
On XX/XX/2017 my credit was reflecting this item was removed from my credit report. It has recently been added again after being removed.
02/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL XXXXX	Web
XX/XX/2020 I received a notification from XXXX XXXX claiming that I XXXX {$190.00} but I don't owe anything. XXXX is the account number.
09/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60517	Web
Hi There are two sperate collection agencies that trying to collect on same debt. Afni Inc and XXXX XXXX. I never heard of this debt.
07/10/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NV 89113	Web	Servicemember
I do not know this company with a balance of {$130.00}. I was never notified, so therefore I do not know who this debt is with or from.
01/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD XXXXX	Web
this is a fraudulent account att already gave me credit and cancelled the account do to fraud ... i have a letter from XXXX clearing me
05/09/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 72802	Web
Afni XXXX XXXX XXXX il XXXX reporting a XXXX XXXX XXXX account from XX/XX/XXXX 2016 to XXXX no account in 2016
05/08/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 20164	Web
There is debt in collection from a company that I do n't even know for more than 800 dol lars. The credit report show the name as AFNI
07/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75150	Web
AFNI IS TRYING TO COLLECT A DEBT THAT ISNT MINE FOR XXXX DOLLARS ON BEHAVE OF XXXX XXXX XXXX. I HAVE NEVER HAD ACCOUNT WITH XXXX XXXX.
06/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75023	Web
I returned a cable box and router to XXXX XXXX XXXX XXXX and they sent my balance to collections anyway when they said they would n't.
10/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	GA 30040	Web	Servicemember
The debt for internet service that was settled and paid over 6 months ago is still listed on my credit report as a collection account.
12/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30004	Web
This is an attempt to get rid of a debt that I have no knowledge of. AFNI. Says I owe XXXX XXXX for a debt that doesnt belong to me..
05/16/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70802	Web
Send a compliant to them about the debt, I dont know them, I dont have a contract with them, never bought products, I dont know them.
10/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75043	Web
I'm not aware of this debit. I have disputed several times. Also I have requested VALIDATION with no legitimate information provided.
03/31/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MD 21207	Web
This company is listed on my credit report as a collection account with a XXXX balance. I have never done business with this company.
06/08/2018	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	NJ XXXXX	Web
AFNI threatened me, stating that if I did not pay {$400.00} that a judgement against me would result in my license being suspended.