AFNI INC

2019-11-01

N San Juan, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-10-31

Provo, UT

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-10-26

Gonzales, LA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-25

Lewisville, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-23

Bohemia, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-10-23

Newnan, GA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-10-19

Boys Ranch, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-19

Marietta, GA

Written notification about debt

Debt collection: I do not know

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

Timely Response

2019-10-18

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

2019-10-17

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/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
Company Response: Closed with explanation

Timely Response

2019-10-16

TX

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

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

Was not notified of investigation status or results
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-10-14

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-10-14

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-10-14

Harsens Is, MI

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-10-11

Adelanto, CA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-10-10

Jacksonville, FL

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2019-10-10

Chandler Hts, AZ

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-10-09

Warren, MI

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-10-07

Dallas, TX

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

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

Investigation took more than 30 days
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-10-07

Beach Park, IL

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-10-05

Atlanta, GA

False statements or representation

Debt collection: Other debt

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

Timely Response

2019-10-05

Houston, TX

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-10-02

Millville, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-29

Ft Lauderdale, FL

Incorrect information on your report

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

Information belongs to someone else
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-09-29

Aurora, UT

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: 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
Company Response: Closed with explanation

Timely Response