Complaints

This profile includes complaints for Afni, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Afni, Inc.

  1310 Martin Luther King Dr Bloomington, IL 61701-1465

• 

  Afni, Inc.

  404 Brock Dr Bloomington, IL 61701-2654

• 

  Afni, Inc.

  404 Brock Drive P.O. Box 3097 Bloomington, IL 61702

• 

  Afni, Inc.

  P.O. Box 3427 Bllomington, IL 61702

• 

  Afni, Inc.

  P.O. Box 3517 Bloomington, IL 61702-3517

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/07/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with AFNI,INC and do not have a contract with AFNI, INC. They did not provide me with the original document or application to which I asked .

  Business Response

  Date: 04/10/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On December
  7, 2021, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  ********* ***, with Afni for collections on
  the balance of $200.12.
  The account is for services established on April 2, 2016,
  until ****** considered the account delinquent on April 4, 2019.  The billing address associated with the
  account is **** ********* ******* *** ******** ** *****.  Afni mailed the initial notice of the account
  on or about December 12, 2021.  On January
  23, 2022, Afni furnished the credit reporting agencies with notice of the
  account.
  On April 7, 2023, Afni received this complaint.  This was Afni’s first contact with the
  consumer.  In response, Afni ceased
  communication and initiated an investigation.   Afni has attached copies of the
  account billing statements to this response; these are provided as validation
  of the account.  To address the
  consumer’s concerns, the subject account has not been purchased by Afni.  Afni received the account from ****** and
  acts as an agent on behalf of ******; therefore, the consumer would not have a
  contract with Afni.  Additionally, this
  complaint is the first dispute Afni has received regarding this account.  Furthermore, a signed contract is not always
  required to initiate ****** services, as orders for services can be taken over
  the phone or via the internet, which are considered verbal and electronic
  signatures, respectively.  On April 9,
  2023, Afni sent a request to the credit reporting agencies to remove the
  account from the consumer’s credit report.  Please be aware that it can take the credit reporting agencies anywhere
  from 0 to 60 days to update consumer credit reports.  Afni has no control over how quickly the
  credit reporting agencies update consumer credit reports.  However, this does not mean that the account
  is not due and owing, simply that Afni will no longer furnish the account to
  the credit reporting agencies.  Afni
  trusts this response has addressed the consumer’s concerns, but if questions
  remain, or if they would like to discuss the account, they may contact a
  Regulatory Specialist at ***** *********

• Initial Complaint

  Date:04/06/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  am not liable for this debt with AFNI,INC and do not have a contract with AFNI,INC. They do not provide me with the original application like I asked.

  Business Response

  Date: 04/07/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On January
  31, 2023, ******* forwarded the subject account, ******* account #:  ****************, Afni, Inc. account #:  ************, with Afni for collections on
  the balance of $894.21.  Please note that
  this is for bundled services and all equipment charges are not included in the
  balance Afni is collecting upon.
  The account is for services established on June 1, 2014,
  until ******* considered the account delinquent on January 25, 2019.  The service address associated with the
  account is ***** ********* ***** ****** ****** ** *****, which is
  the same address the consumer listed on this complaint.  Afni emailed the initial notice of the account
  on or about February 2, 2023.  On April
  2, 2023, Afni furnished the credit reporting agencies with notice of the
  account.
  On April 6, 2023, Afni received this complaint.  This was Afni’s first contact with the
  consumer.  In response, Afni ceased
  communication and initiated an investigation.   Afni has attached copies of the
  account billing statements to this response; these are provided as validation
  of the account.  To address the
  consumer’s concerns, the subject account has not been purchased by Afni.  Afni received the account from ******* and
  acts as an agent on behalf of *******; therefore, the consumer would not have a
  contract with Afni. Furthermore, a signed contract is not always required to
  initiate ******* services, as orders for services can be taken over the phone
  or via the internet, which are considered verbal and electronic signatures,
  respectively. Afni will send a request to the credit reporting agencies to
  remove the account from the consumer’s credit report.  Please be aware that it can take the credit
  reporting agencies anywhere from 0 to 60 days to update consumer credit
  reports.  Afni has no control over how
  quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account
  is not due and owing, simply that Afni will no longer furnish the account to
  the credit reporting agencies.  Afni
  trusts this response has addressed the consumer’s concerns, but if questions
  remain, or if they would like to discuss the account, they may contact a
  Regulatory Specialist at ***** *********
  

  Customer Answer

  Date: 04/07/2023

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 

• Initial Complaint

  Date:04/05/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with **** and do not have a contract with AFNI, INC. They did not provide me with the original application like I asked.

  Business Response

  Date: 04/10/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On October
  4, 2022, **** forwarded the subject account, **** Mobility account
  #:  ************, Afni, Inc. account
  #:  ************* with Afni for
  collections on the balance of $6,156.30.
  The account is for services established on December 13, 2017,
  until **** considered the account delinquent on January 8, 2021.  The billing address associated with the
  account is ** *** ******* ******** ** *****, and the phone numbers are (**** ********* ***** ********* ***** ********* ***** ********* *** ***** ********.  Afni mailed the initial notice of the account
  on or about October 9, 2022.  On November
  20, 2022, Afni furnished the credit reporting agencies with notice of the
  account. On November 23, 2022, the consumer spoke with an Afni representative
  regarding the account.
  On April 6, 2023, Afni received this complaint.  In response, Afni ceased communication and
  initiated an investigation.   Afni has attached copies of the account
  billing statements to this response; these are provided as validation of the
  account.  To address the consumer’s
  concerns, the subject account has not been purchased by Afni.  Afni received the account from **** and
  acts as an agent on behalf of ****; therefore, the consumer would not have
  a contract with Afni.  Furthermore, a signed
  contract is not always required to initiate **** services, as orders for
  services can be taken over the phone or via the internet, which are considered
  verbal and electronic signatures, respectively.  On April 9, 2023, Afni sent a request to the credit reporting agencies
  to remove the account from the consumer’s credit report.  Please be aware that it can take the credit
  reporting agencies anywhere from 0 to 60 days to update consumer credit
  reports.  Afni has no control over how
  quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account
  is not due and owing, simply that Afni will no longer furnish the account to
  the credit reporting agencies.  Afni
  trusts this response has addressed the consumer’s concerns, but if questions
  remain, or if they would like to discuss the account, they may contact a
  Regulatory Specialist at ***** *********

• Initial Complaint

  Date:04/05/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with ******* and do not have a contract with AFNI, INC. They did not provide me with the original application like I asked.

  Business Response

  Date: 04/06/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On November
  1, 2021, ******* forwarded the subject account, ******* account #:  ****************, Afni, Inc. account #:  ************* with Afni for collections on
  the balance of $252.20.  Please note that
  this is for bundled services and all equipment charges are not included in the
  balance Afni is collecting upon.  
  The account is for services established on August 1, 2015,
  until ******* considered the account delinquent on September 16, 2016.  The service address associated with the
  account is *** **** **** ******* ********* **** ******** ** *****.  Afni mailed the initial notice of the account
  on or about November 4, 2021.  On January
  2, 2022, Afni furnished the credit reporting agencies with notice of the
  account.  On March 25, 2023, Afni
  received a dispute from the credit reporting agencies, reviewed all relevant
  information, and responded appropriately.
  On April 5, 2023, Afni received this complaint.  This was Afni’s first contact with the
  consumer.  In response, Afni ceased
  communication and initiated an investigation.   Afni has attached copies of the
  account billing statements to this response; these are provided as validation
  of the account.  To address the
  consumer’s concerns, when a consumer submits a dispute through the credit
  reporting agencies, Afni responds directly to the credit reporting agencies. Additionally,
  the subject account has not been purchased by Afni.  Afni received the account from ******* and
  acts as an agent on behalf of *******; therefore, the consumer would not have a
  contract with Afni. Furthermore, a signed contract is not always required to
  initiate ******* services, as orders for services can be taken over the phone
  or via the internet, which are considered verbal and electronic signatures,
  respectively.  Afni will send a request
  to the credit reporting agencies to remove the account from the consumer’s
  credit report.  Please be aware that it
  can take the credit reporting agencies anywhere from 0 to 60 days to update
  consumer credit reports.  Afni has no
  control over how quickly the credit reporting agencies update consumer credit
  reports.  However, this does not mean
  that the account is not due and owing, simply that Afni will no longer furnish
  the account to the credit reporting agencies.  Afni trusts this response has addressed the consumer’s concerns, but if
  questions remain, or if they would like to discuss the account, they may
  contact a Regulatory Specialist at ***** *********

• Initial Complaint

  Date:04/01/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with ******* and do not have a contract with this **********. they did not provide me with original contract like i asked.

  Business Response

  Date: 04/05/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On October
  11, 2022, ******* forwarded the subject account, ******* account #:  ***************** Afni, Inc. account #:  ************* with Afni for collections on
  the balance of $772.07. Please note that this is for bundled services and all
  equipment charges are not included in the balance Afni is collecting upon.  
  The account is for services established on May 1, 2022,
  until ******* considered the account delinquent on May 8, 2022.  The service address associated with the
  account is ***** **** ** **** ***** *********** ** ****** which is the same
  address the consumer listed on this complaint.  Afni mailed the initial notice of the account on or about   October
  16, 2022.  On December 11, 2022, Afni
  furnished the credit reporting agencies with notice of the account. On March
  14, 2023, Afni received a dispute from the credit reporting agencies, reviewed
  all relevant information, and responded appropriately. On March 26, 2023, Afni
  made the business decision to request the credit reporting agencies to remove
  the account from the consumer’s credit report.   On April 3, 2023, Afni received this complaint.  This was Afni’s first contact with the
  consumer.  In response, Afni ceased
  communication and initiated an investigation.   Afni has attached copies of the
  account billing statements to this response; these are provided as validation
  of the account. To address the consumer’s concerns, the subject account has not
  been purchased by Afni.  Afni received
  the account from ******* and acts as an agent on behalf of *******; therefore,
  the consumer would not have a contract with Afni.  Additionally, a consumer submits a dispute
  through the credit reporting agencies, Afni responds directly to the credit
  reporting agencies.  Furthermore, a signed
  contract is not always required to initiate ******* services, as orders for
  services can be taken over the phone or via the internet, which are considered
  verbal and electronic signatures, respectively.  Afni has no business affiliation with ********** and cannot comment on
  their business practices.  Again, Afni sent
  a request to the credit reporting agencies to remove the account from the
  consumer’s credit report.  Please be
  aware that it can take the credit reporting agencies anywhere from 0 to 60 days
  to update consumer credit reports.  Afni
  has no control over how quickly the credit reporting agencies update consumer
  credit reports.  However, this does not
  mean that the account is not due and owing, simply that Afni will no longer
  furnish the account to the credit reporting agencies.  Afni trusts this response has addressed the
  consumer’s concerns, but if questions remain, or if they would like to discuss
  the account, they may contact a Regulatory Specialist at ***** *********

• Initial Complaint

  Date:03/25/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In accordance with the Fair Credit Reporting Act **** with account # ************ , and Afni, Inc., PO Box 3517 Bloomington, IL 61702-3517 ***********************, and ********** has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C.1681 Section 604 A. Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions. 15 U.S.C 1681c. (a)(5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1692C (a) COMMUNICATION WITH THE CONSUMER GENERALLY Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt (b) COMMUNICATION WITH THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 15 U.S. Code § 1692b - Acquisition of location information (5) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt

  Business Response

  Date: 03/29/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On August 8,
  2022, **** forwarded the subject account, **** ******** account #: ************, Afni, Inc. account #:  ************* with Afni for collections on
  the balance of $621.57.
  The account is for services established on September 18,
  2020, until **** considered the account delinquent on November 11, 2020.  The billing address associated with the
  account is *** ********** ***** **** ***** ** ****** which is the same address
  the consumer listed on this complaint and the phone numbers are ***** ******** and ***** ********.  Afni mailed the
  initial notice of the account on or about August 13, 2022.  On September 25, 2022, Afni furnished the
  credit reporting agencies with notice of the account.
  On March 27, 2023, Afni received this complaint.  This was Afni’s first contact with the
  consumer.  In response, Afni ceased
  communication and initiated an investigation.   Afni has attached copies of the
  account billing statements to this response; these are provided as validation
  of the account.  To address the
  consumer’s concerns, Afni has complied with its obligations under the FCRA and
  FDCPA.  Additionally, the subject account
  has not been purchased by Afni.  Afni
  received the account from **** and acts as an agent on behalf of ****.  Afni will send a request to the credit
  reporting agencies to remove the account from the consumer’s credit
  report.  Please be aware that it can take
  the credit reporting agencies anywhere from 0 to 60 days to update consumer
  credit reports.  Afni has no control over
  how quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account
  is not due and owing, simply that Afni will no longer furnish the account to
  the credit reporting agencies.  Afni
  trusts this response has addressed the consumer’s concerns, but if questions
  remain, or if they would like to discuss the account, they may contact a
  Regulatory Specialist at ***** *********

• Initial Complaint

  Date:03/21/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Since January of this year 2023, afni has placed a negative remark on my credit report. Stating that I am in fact in debt to them in the amount of $439
  
  I have never gone into business with them nor have I ever signed any contract with this company. No services were provided to me by them in exchange for any type of payment or currency.
  
  according to the FCRA laws stated below they are in violation of placing this item on my credit report damaging my abilty to obtain credit now or in the future, without paying them the amount above
  
  15 U.S.C 1681 section 602 A. States I have the right to privacy.
  
  15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions
  
  15 U.S.C 1666B: A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

  Business Response

  Date: 03/22/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On December
  15, 2022, ******** forwarded the subject account, ******** account #:  *********, Afni, Inc. account #:  ********* ***, with Afni for collections on
  the balance of $439.14.
  The account is for services established on September 10,
  2019, until ******** considered the account delinquent on March 3, 2021.  The billing address associated with the
  account is ***** ***** * ***** ****** ****** ** ******  Afni mailed the initial notice of the account
  on December 17, 2022.  On January 29,
  2023, Afni furnished the credit reporting agencies with notice of the account.
  On March 22, 2023, Afni received this complaint.  This was Afni’s first contact with the
  consumer.  In response, Afni ceased
  communication and initiated an investigation.   Afni has attached copies of the
  account billing statements to this response; these are provided as validation
  of the account.  To address the
  consumer’s concern, Afni has complied with its obligations under the FCRA. Furthermore,
  the subject account has not been purchased by Afni.  Afni received the account from ******** and
  acts as an agent on behalf of ********; therefore, the consumer would not have
  a contract with Afni. As the consumer has requested, Afni will no longer
  contact the consumer about this account.  Afni will send a request to the credit
  reporting agencies to remove the account from the consumer’s credit
  report.  Please be aware that it can take
  the credit reporting agencies anywhere from 0 to 60 days to update consumer
  credit reports.  Afni has no control over
  how quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account
  is not due and owing, simply that Afni will no longer furnish the account to
  the credit reporting agencies.  Afni
  trusts this response has addressed the consumer’s concerns, but if questions
  remain, or if they would like to discuss the account, they may contact a
  Regulatory Specialist at ***** *********

• Initial Complaint

  Date:03/21/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I’m not liable with this debt with AFNI, INC, nor have I ever had a contract with AFNI, INC. AFNI, INC has not provided me with an original application or any documentation proving otherwise.

  Business Response

  Date: 03/23/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On August
  17, 2021, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  ************, with Afni for collections on
  the balance of $392.55.
  The account is for services established on October 4, 2014,
  until ****** considered the account delinquent on March 30, 2019.  The billing address associated with the
  account is ***** ******** ******* *** ****** ** ******  Afni mailed the initial notice of the account
  on or about August 20, 2021.  On October
  24, 2021, Afni furnished the credit reporting agencies with notice of the
  account.
  On March 22, 2023, Afni received this complaint.  This was Afni’s first contact with the
  consumer.  In response, Afni ceased
  communication and initiated an investigation.   Afni has attached copies of the
  account billing statements to this response; these are provided as validation
  of the account. To address the consumer’s concerns, the subject account has not
  been purchased by Afni.  Afni received
  the account from ****** and acts as an agent on behalf of ******; therefore,
  the consumer would not have a contract with Afni. Additionally, this complaint
  is the first notification Afni received from the consumer regarding a dispute
  on this account. Furthermore, a signed contract is not always required to
  initiate ****** services, as orders for services can be taken over the phone or
  via the internet, which are considered verbal and electronic signatures,
  respectively. Afni will send a request to the credit reporting agencies to
  remove the account from the consumer’s credit report.  Please be aware that it can take the credit
  reporting agencies anywhere from 0 to 60 days to update consumer credit
  reports.  Afni has no control over how
  quickly the credit reporting agencies update consumer credit reports.  However, this does not mean that the account
  is not due and owing, simply that Afni will no longer furnish the account to
  the credit reporting agencies.  Afni
  trusts this response has addressed the consumer’s concerns, but if questions
  remain, or if they would like to discuss the account, they may contact a
  Regulatory Specialist at ***** *********

  Customer Answer

  Date: 03/26/2023

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

• Initial Complaint

  Date:03/20/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  AFNI, INC
  Account # **********
  
  
  My name is ****** ******* and THIS IS NOT A THIRD PARTY SERVICE
  
  I am being harassed and falsely reported by AFNI, INC as they REFUSE to stop reporting fraudulent information to the bureaus that I 1) have been defrauded for and 2) Have countless times asked for VERIFICATION or it be BLOCKED IMMEDIATELY. AFNI, INC is purposefully abusing their power and my consumer rights. They have yet to send me full verification of 100% verification and unless they CEASE AND DESIST I am demanding
  
  ? 15 USC §1692c(c) Ceasing
  
  I have sought 100% verifiable information on this fraudulent account and have sent in multiple pages of information in regards to this account. Yet I have been ignored and FCRA rights broken.
  
  15 USC 1681 B a2
  
  A that states that no one can furnish my information with MY written consent or instructions
  
  
  SECTION 605 A
  15 U.S.C. § 1681 C-1
  
  SECTION 605 B
  15 U.S.C. § 1681 C-2
  
  I demand my FCRA Rights be obliged or AFNI, INC will be in direct contempt of blatantly breaking FCRA LAW

  Business Response

  Date: 03/21/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On October
  31, 2022, ******* forwarded the subject account, ******* account #:  ****************, Afni, Inc. account #:  ************, with Afni for collections on
  the balance of $676.65.
  The account is for services established on September 1, 2021,
  until ******* considered the account delinquent on July 28, 2022.  The service address associated with the
  account is **** ******** **** ****** ******** ** ******  Afni mailed the initial notice of the account
  on or about November 9, 2022.  On January
  1, 2023, Afni furnished the credit reporting agencies with notice of the
  account.
  On March 21, 2023, Afni received this complaint.  This was Afni’s first contact with the
  consumer.  In response, Afni ceased
  communication and initiated an investigation.  To address the consumer’s concerns, this
  complaint is the first notification Afni has received from the consumer,
  regarding a dispute with claims of identity theft. Furthermore, at no time has
  Afni harassed the consumer regarding this account. Therefore, Afni has complied
  with its obligations under the FCRA and FDCPA. The account was updated as
  potential identity theft as the consumer denied knowledge of any service with
  *******.  Afni encourages the consumer to
  visit *******'s fraud website at **************************************, which
  discusses the process and documentation needed for the fraud investigation.  Your claim of fraud will cease all
  collections by Afni on this account.  Additionally, the consumer should contact *******'s Identity Theft
  Department at ***** ******** if they believe the account is not theirs or feels
  this is a case of identity theft.  As the
  consumer has requested, Afni will no longer contact the consumer about this
  account.  Afni will send a request to the
  credit reporting agencies to remove the account from the consumer’s credit
  report.  Please be aware that it can take
  the credit reporting agencies anywhere from 0 to 60 days to update consumer
  credit reports.  Afni has no control over
  how quickly the credit reporting agencies update consumer credit reports.  Afni trusts this response has addressed the
  consumer’s concerns, but if questions remain, or if they would like to discuss
  the account, they may contact a Regulatory Specialist at ***** *********

• Initial Complaint

  Date:03/17/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently acquired my credit report and found these accounts that I never opened, an overload of unknown addresses that I never resided – I never live in another state outside of Georgia, inquiries I never made and even a different variations to my name such as ********** ******* I have provided below some of the details. I may be a victim of identity fraud because of these entries in my credit report. I have contacted these creditors to make them aware of this. I also found this account that I believe not mine:
  
  Acct name: AFNI (Original Creditor: 11 *******)
  acct no. **********
  date opened 07/09/2019
  balance $680.00
  
  I am not liable for this debt and I do not have a contract with:
  Company: AFNI, INC.
  ******** ** *** **** ************ ** ***** *** *** ***** ******** 
  Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to the bureaus and the authorization for release of information. I also filed complaints thru CFPB.
  
  Please delete this account from my credit report at once. Any questions or concerns please contact me at this address **** ********* ** *** * **** ********** ** ***** or email at *************************************.
  
  I need a response from the company.

  Business Response

  Date: 03/20/2023

  This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
  to the consumer’s concerns.  On July 9,
  2019, ******* forwarded the subject account, ******* account #:  8***************, Afni, Inc. account #:  ************, with Afni for collections on
  the balance of $680.91.
  The account is for services established on May 1, 2015,
  until ******* considered the account delinquent on April 8, 2017.  The service address associated with the account
  is *** ******** ****** ********** ** ****** Afni mailed the initial notice of the account on or about July 12, 2019.  On September 15, 2019, Afni furnished the
  credit reporting agencies with notice of the account.
  On March 17, 2023, Afni received this complaint.  This was Afni’s first contact with the
  consumer.  In response, Afni ceased
  communication and initiated an investigation.  To address the consumer’s concerns, the
  subject account has not been purchased by Afni.  Afni received the account from ******* and acts as an agent on behalf of
  *******; therefore, the consumer would not have a contract with Afni.  This company is the first notification Afni
  has received from the consumer regarding their claims of identity theft.  The account was updated as potential identity
  theft as the consumer denied knowledge of any service with *******.  Afni will forward the consumer’s identity
  theft report and police report to *******. Your claim of fraud will cease all
  collections by Afni on this account.  Additionally, the consumer should contact *******'s Identity Theft
  Department at ***** ******** if they have questions regarding the fraud
  process.  On March 19, 2023, Afni sent a
  request to the credit reporting agencies to remove the account from the
  consumer’s credit report.  Please be
  aware that it can take the credit reporting agencies anywhere from 0 to 60 days
  to update consumer credit reports.  Afni
  has no control over how quickly the credit reporting agencies update consumer
  credit reports.  However, this does not
  mean that the account is not due and owing, simply that Afni will no longer
  furnish the account to the credit reporting agencies.  Afni trusts this response has addressed the
  consumer’s concerns, but if questions remain, or if they would like to discuss
  the account, they may contact a Regulatory Specialist at ***** *********