|
3813602
|
2020-08-25
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
AFNI INC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2020-08-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-08-25
|
| Complaint What Happened |
XXXX XXXX is reporting an account on my credit report that isnt mine. I wanted it delete off my credit repor immediately.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2332604
|
2017-02-07
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
AFNI INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2017-02-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-02-07
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1599372
|
2015-10-08
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
AFNI INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-10-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-10-08
|
| Complaint What Happened |
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
|
| Consumer Consent Provided |
Consent provided
|
|
|
1615881
|
2015-10-20
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
AFNI INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-10-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-10-26
|
| Consumer Consent Provided |
Consent not provided
|
|
|
569799
|
2013-10-24
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
AFNI INC.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2013-10-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-10-24
|
| Consumer Consent Provided |
N/A
|
|
|
3173402
|
2019-03-08
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
AFNI INC.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
Other debt
|
| Date Received |
2019-03-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-03-08
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1549657
|
2015-09-02
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
AFNI INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2015-09-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-09-02
|
| Complaint What Happened |
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
|
| Consumer Consent Provided |
Consent provided
|
|
|
2987175
|
2018-08-10
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
AFNI INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2018-08-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-08-14
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
846604
|
2014-05-10
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
AFNI INC.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2014-05-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-05-29
|
| Consumer Consent Provided |
N/A
|
|
|
2029257
|
2016-07-25
|
Problems when you are unable to pay
|
Consumer Loan
|
|
| Issue |
Problems when you are unable to pay
|
| Timely |
Yes
|
| Company |
AFNI INC.
|
| Product |
Consumer Loan
|
| Sub Product |
Installment loan
|
| Date Received |
2016-07-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-07-26
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1107941
|
2014-11-07
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
AFNI INC.
|
| Product |
Debt collection
|
| Sub Issue |
Frequent or repeated calls
|
| Sub Product |
I do not know
|
| Date Received |
2014-11-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2014-11-17
|
| Consumer Consent Provided |
N/A
|
|
|
2420841
|
2017-04-05
|
Disclosure verification of debt
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
AFNI INC.
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2017-04-05
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2017-04-05
|
| Consumer Consent Provided |
N/A
|
|
|
2963611
|
2018-07-16
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
AFNI INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was already discharged in bankruptcy and is no longer owed
|
| Sub Product |
Other debt
|
| Date Received |
2018-07-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-07-16
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
4369572
|
2021-05-11
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
AFNI INC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2021-05-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-05-11
|
| Complaint What Happened |
After viewing my report I have seen accounts that I have never applied.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2714090
|
2017-10-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
AFNI INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2017-10-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-10-28
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2681888
|
2017-09-22
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
AFNI INC.
|
| Product |
Debt collection
|
| Sub Issue |
Threatened to turn you in to immigration or deport you
|
| Sub Product |
Other debt
|
| Date Received |
2017-09-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-09-22
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2072785
|
2016-08-19
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
AFNI INC.
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-08-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-08-19
|
| Complaint What Happened |
There is an account through AFNI which is unknown to me, requested validation and nothing has been sent.
|
| Consumer Consent Provided |
Consent provided
|
|
|
1438215
|
2015-06-25
|
Disclosure verification of debt
|
Debt collection
|
|
| Issue |
Disclosure verification of debt
|
| Timely |
Yes
|
| Company |
AFNI INC.
|
| Product |
Debt collection
|
| Sub Issue |
Not given enough info to verify debt
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-06-25
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-06-30
|
| Consumer Consent Provided |
N/A
|
|
|
1886640
|
2016-04-20
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
AFNI INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
I do not know
|
| Date Received |
2016-04-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-04-20
|
| Complaint What Happened |
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
|
| Consumer Consent Provided |
Consent provided
|
|
|
1474205
|
2015-07-20
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
AFNI INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-07-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-07-24
|
| Complaint What Happened |
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.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5818429
|
2022-07-27
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
AFNI INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other debt
|
| Date Received |
2022-07-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-27
|
| Complaint What Happened |
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
|
| Consumer Consent Provided |
Consent provided
|
|
|
8592706
|
2024-03-18
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
AFNI INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Telecommunications debt
|
| Date Received |
2024-03-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-22
|
| Complaint What Happened |
In XXXX of XXXX XXXX ported my numbers over to XXXX for better service in our contract area. I left XXXX. In order for XXXX to allow this I had to pay my bill in full and finish paying off 2 phones, which I did to the tune of about {$1400.00}. XXXX promised me {$1500.00} in rebates which I never received ( another dispute ). In XX/XX/XXXX I received a call from XXXX saying I still owed {$170.00}. I disputed it explaining that I would not have been able to port numbers to XXXX if I had a balance. We argued, I hung up on him. Then on XX/XX/XXXX I got a call from AFNI Collections stating that they were trying to collect a debt from XXXX. I politely explained the situation. He was very rude and condescending, we had a heated conversation at which point I hung up on him. That very day I received an email from my credit monitoring company that my credit had been dinged XXXX points. I called AFNI and demanded to know how 1 if theyre employees could possess the power to do that to someone when I clearly had disputed it. She said she would look into it and contact me back. They never called back but on XX/XX/XXXX the collection was removed and my score increased by XXXX points. At the time I was trying to purchase a vehicle and I was furious that they had been able to do that. I contacted a lawyer who said he could send them a demand letter for {$1000.00} for damages. I disagreed with that amount so never pursued it. Well now you can see by attached documentation that the debt has been sold to another collector and with out notice, proof or cause, they have place a derogatory mark on my credit causing my score to drop again and affecting my ability to get a good rate on a car for my daughter. I intend now to pursue it to full extent possible. This has to stop. These agencies should not possess such power!
|
| Consumer Consent Provided |
Consent provided
|
|
|
1955545
|
2016-06-06
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
AFNI INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-06-06
|
| Submitted Via |
Referral
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-06-08
|
| Consumer Consent Provided |
N/A
|
|
|
3047812
|
2018-10-16
|
Communication tactics
|
Debt collection
|
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
AFNI INC.
|
| Product |
Debt collection
|
| Sub Issue |
You told them to stop contacting you, but they keep trying
|
| Sub Product |
Other debt
|
| Date Received |
2018-10-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-10-16
|
| Consumer Consent Provided |
Consent not provided
|
|
|
1177916
|
2015-01-01
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
AFNI INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2015-01-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-01-01
|
| Consumer Consent Provided |
N/A
|
|
