AFNI INC.

2019-03-13

Jackson, MS

Threatened to contact someone or share information improperly

Debt collection: Other debt

Talked to a third-party about your debt
Company Response: Closed with explanation

Timely Response

2019-03-12

Atlanta, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-03-08

Bee Spring, KY

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-03-07

San Leandro, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-03-06

Quartzsite, AZ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-03-02

Atlanta, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-03-01

Miami, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-03-01

Beaumont, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-02-27

Jupiter, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: 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
Company Response: Closed with explanation

Timely Response

2019-02-27

Atlanta, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-02-25

San Antonio, TX

Written notification about debt

Debt collection: Medical debt

Didn't receive enough information to verify debt
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-02-23

Houston, TX

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: 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}.
Company Response: Closed with explanation

Timely Response

2019-02-23

Houston, TX

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: 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}.
Company Response: Closed with explanation

Timely Response

2019-02-22

Agoura Hills, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-22

Santa Ysabel, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: 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
Company Response: Closed with explanation

Timely Response

2019-02-21

Itasca, IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: 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!
Company Response: Closed with explanation

Timely Response

2019-02-21

Stevenson, MD

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-02-20

Cleveland, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-02-20

Fort Pierce, FL

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-02-19

Eagle Creek, IN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-02-18

Charlotte, NC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-02-16

Smyrna, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-15

Cannon Afb, NM

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-15

Mount Olive, OH

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-02-13

Oxford, GA

Threatened to contact someone or share information improperly

Debt collection: Other debt

Talked to a third-party about your debt
Complaint: 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.
Company Response: Closed with explanation

Timely Response