AFNI INC.

2019-08-29

La Tijera, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-29

FL

Written notification about debt

Debt collection: I do not know

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

Timely Response

2019-08-28

Mobile, AL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-28

Boca Raton, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-26

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-08-24

Gentilly, LA

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-08-22

Quartzsite, AZ

False statements or representation

Debt collection: Other debt

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

Timely Response

2019-08-21

Charlotte, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-19

Newnan, GA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-08-18

New Orleans, LA

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-08-17

Miami, FL

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-08-16

Detroit, MI

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-08-16

Magnolia, TX

Communication tactics

Debt collection: Other debt

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

Timely Response

2019-08-15

MI

Problem with a credit reporting company's investigation into an existing problem

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

Their investigation did not fix an error on your report
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-08-15

Arlington, TX

Took or threatened to take negative or legal action

Debt collection: Other debt

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

Timely Response

2019-08-09

Mcdonough, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-08-07

San Francisco, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-08-07

Clarkesville, GA

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-08-06

FL

False statements or representation

Debt collection: Other debt

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

Timely Response

2019-08-05

Lithonia, GA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-08-05

San Francisco, CA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-08-02

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-08-01

Houston, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: XXXX was sent back the phone XXXX XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-07-31

Cleveland, OH

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-07-29

Cary, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response