Complaint / review text:
I had pulled my consumer credit report last October. When pulling my report, I was expecting to find a clean report with only positive reporting, no negatives. To my surprise, there was a negative account that had just been listed from a collection agency, AFNI, Inc. This concerned me greatly. I had asked my husband to also look at this and figure out what was going on and who AFNI, Inc. Claimed I was delinquent on. I had sent AFNI, Inc. A debt validation letter, per the Fair Credit Reporting act. I gave them 30 days to respond. There was no response. I gave them one more good faith letter. This was sent in January of 2009.
AFNI, Inc. Responded this time around, though the documents they provided were a collection bill to pay along with a bill that appeared to be typed by an employee of AFNI, Inc. As it certainly did not look to be legit. Furthermore, AFNI, Inc. Failed to provide me with proof showing they owed the debt, show me how much they paid for the debt, prove the debt was mine, prove to me that they were licensed to collect in the State of Georgia and other requests per the Fair Credit Reporting Act for debt validation. Since they had failed to provide me with any proof within 30 days, AFNI, Inc. Is supposed to stop collecting and also they are supposed to remove the debt from the consumer credit report. Also, the name they had listed was a name I had never used before. They claim this to have been validated per the last 4 digits of my Social Security Number. However, this is not true and certainly does not match. They also listed me at an address which I had never lived at.
In addition, AFNI, Inc. Was obligated to inform me within 30 days before placing the negative account on my credit report, which they did not. I had found out about this account after checking my consumer credit report. Furthermore, I had done my research on AFNI, Inc., as I had questioned AFNI, Inc. After hearing so many horror stories of collection agencies fraudulently collecting from the wrong people and not following the Fair Credit Reporting Act and rules.
I have since been in contact with both the Attorney General in Illinois as well as in Minnesota. The Attorney General in Minnesota has sued AFNI, Inc. And is currently suing AFNI, Inc. For other complaints of false collections she has received by consumers. Identity theft is at a high and, these days, people are becoming victims of identity theft without knowing. As for their statement that the name, address and social security number had been verified, the last time I checked, if a name did not match the full name associated with a social security number, that would be an indication of fraud and someone trying to access another person's personal information.