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Business Profile

Collections Agencies

Afni, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

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

Find a Location

Afni, Inc. has 9 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    • Afni, Inc.

      1310 Martin Luther King Dr Bloomington, IL 61701-1465

    • Afni, Inc.

      PO Box 3097 Bloomington, IL 61702-3097

    • 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

    Customer Complaints Summary

    • 303 total complaints in the last 3 years.
    • 12 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:11/03/2022

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      DISPUTED UNKNOWN ACCOUNT: ***** **** ********* ********* ** ** * ******* *** * ********** - Balance - $101.00
      I have wrote to you last month September 15, 2022 about these unknown collections. I did not get any response back from you and yet Im still seeing these accounts on my credit report. You are required to send me a response but I did not get one. YOU were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

      Business Response

      Date: 11/04/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On July 25,
      2022, A*** ********* *** ******* ******** **** ******* ******* **  ********** ***** **** ******* **  ************, with Afni for collections on
      the balance of $101.23.
      The account is for services established on August 1, 2020,
      until AT&T considered the account delinquent on October 2, 2020.  The service address associated with the
      account is *** ********* **** ******** ******* ****** ** *****.  Afni mailed the initial notice of the account
      on or about July 30, 2022.  On September
      11, 2022, Afni furnished the credit reporting agencies with notice of the
      account.
      On November 3, 2022, 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 is not in receipt of any disputes from
      the consumer or the credit reporting agencies, as this complaint is the first
      notification Afni regarding a dispute on this account. Afni mailed the initial
      notice on or about July 30, 2022, with no notice of returned mail.  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 Consumer
      ********* ********** ** ***** *********

    • Initial Complaint

      Date:10/31/2022

      Type:Billing Issues
      Status:
      Answered
      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.
      An auto accident that occurred at a red light on 10/23/2021. It is claimed I owe damages for the amount of over $4,000. This accident that has been claimed against me had a police report on the scene that noted that NO DAMAGES WERE MADE for this accident. On the police report I have in my possession along with pictures of both my vehicle and the other party’s vehicle show no damages on her vehicle. This claim brought against me shows parts and items of this vehicle that mine didn’t make any contact that she had gotten fixed and is trying to sabotage/blackmail me into paying for. I have a lawyer for this matter and have sent many dispute forms to AFNI subrogation claims department stating they in violation of my rights and for not proving the debt I owe is caused by the accident that occurred on the date of 10/23/2021. My vehicle bumped her hitch on the back of the other party’s SUV and left no damage at all. Nobody was hurt. The officers told us to go our separate ways. I will not be paying for damages claimed against me that are separate from her own vehicle maintenance needed to be fixed. It was 2 full months after the accident that the other party decided to go get her vehicle fixed and due to the nature of the weather she may of been involved with a different accident or struck an object due to the snow/sleet/rain conditions. I have all my documents to fight this and have already filed many dispute forms for this occurrence. Please give me a call at ************ ** ***** ** * **********************

      Business Response

      Date: 11/04/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the claimant’s concerns.   On March
      24, 2022, ******* ********* forwarded the subject account, ******* ********* account
      #: ************* ***** **** ******* ** ********* ***, with Afni for resolution
      on the balance of $4,379.67.
      The claim is from an accident which occurred on October 23,
      2021, involving a vehicle that was listed as driven by the claimant, **** ******* **** ***** ****** *** ** ***************** with license plate: *******.  The address provided by ******* ********* for
      the claimant is ** ****** **** ***** *********** ** ******  On April 11, 2022, the claimant spoke with an
      Afni representative and stated a dispute regarding this account. The Afni
      representative requested for estimates to be sent to the claimant and they were
      mailed to the claimant on the same day. On May 10, 2022, Afni received a
      written letter of dispute.    
      On November 1, 2022, Afni received this complaint.  In response, Afni ceased communication and initiated
      an investigation.  To address the
      claimant’s concerns, this is a tort, or wrongful act.  There were no services provided to Mr. ******
      and ******* ********* is pursuing Mr. ****** as he was the driver of the
      vehicle that struck ******* *********** *nsured and was found to be responsible
      for the accident based on the investigation completed by ******* ********* and
      the attached police report.  Per the
      attached police report, vehicle 1(Mr. ******) was traveling northbound on
      Harlem Avenue and was stopped at the light at ***** *******  The light turned green, and Mr. ******
      thought traffic was beginning to move in front of him and rear-ended vehicle 2
      (Farmers insured).  Mr. ****** was given
      a citation. ******* ********* has completed their investigation and has found
      that the claimant was at fault for the accident and listed as the driver on the
      police report.  Afni has confirmed that
      on the date of loss there was not valid insurance to cover the damages that Farmers
      Insurance had to pay out to make their insured whole again.  Again, this is a tort, or wrongful act and no
      services were provided to the claimant.  Additionally, on September 13, 2022, ******* ********* requested Afni to
      cease collections and return the account.  Afni is no longer the subrogation agency handling the subject
      account.  Further inquiries regarding the
      account should be directed to Farmers Insurance.

    • Initial Complaint

      Date:10/28/2022

      Type:Service or Repair Issues
      Status:
      Answered
      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
      ** ** They did not provide me with the original application like I asked.

      Business Response

      Date: 11/02/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On April 26,
      2022, AT&T forwarded the subject account, **** ******** ******* **  ************* ***** **** ******* **  ************* **** **** *** *********** ** *** ******* ** **********
      *** ******* ** *** ******** *********** ** ****** ** ***** ***** **** ********** *** ******* ********** ** **** *** *****  *** ******* ******* ********** **** *** ******* ** **** ** ****** ***** ********* **** *** ******* ** ****** ***** ** *** **** ******* *** ******** ****** ** **** ********* *** *** ***** ******* *** ***** ********* ***** ********* *** ***** *********  **** ****** *** ******* ****** ** *** ******* ** ** ***** *** ** *****  ** **** *** ***** **** ********* *** ****** ********* ******** **** ****** ** *** ******** ** ******* *** ***** **** ******** * ******* **** *** ****** ********* ********* ******** *** ******** ************ *** ********* **************
      ** ******* *** ***** **** ******** **** **********  ** ********* **** ****** ************* *** ********* ** **************   **** *** ******** ****** ** *** ******* ******* ********** ** **** ********* ***** *** ******** ** ********** ** *** ********  ** ******* *** ********** ********* *** ******* ******* *** *** **** ********* ** *****  **** ******** *** ******* **** **** *** **** ** ** ***** ** ****** ** ***** ********** *** ******** ***** *** **** * ******** **** *****   ************* **** * ******** ******* * ******* ******* *** ****** ********* ********* **** ******** ******** ** *** ****** ********* ********* ************ * ****** ******** ** *** ****** ******** ** ******** **** ********* ** ****** *** ******** *** ** ***** **** *** ***** ** *** *** ********* ***** *** ********** ****** *** ********** *********** *************  **** **** **** * ******* ** *** ****** ********* ******** ** ****** *** ******* **** *** ********** ****** *******  ****** ** ***** **** ** *** **** *** ****** ********* ******** ******** **** * ** ** **** ** ****** ******** ****** ********  **** *** ** ******* **** *** ******* *** ****** ********* ******** ****** ******** ****** ********  ******** **** **** *** **** **** *** ******* ** *** *** *** ****** ****** **** **** **** ** ****** ******* *** ******* ** *** ****** ********* *********  **** ****** **** ******** *** ********* *** ********** ********* *** ** ********* ******* ** ** **** ***** **** ** ******* *** ******** **** *** ******* * ******** ********* ********** ** ***** *********

    • Initial Complaint

      Date:10/26/2022

      Type:Service or Repair Issues
      Status:
      Answered
      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 Sprint and do not have a contract with AFNI, INC. They did not provide me with the original application like asked.

      Business Response

      Date: 10/27/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On August 1,
      2022, ****** forwarded the subject account, ****** account #:  ********** Afni, Inc. ******* **  ************* *ith Afni for collections on
      the balance of $621.92.
      *** ******* ** *** ******** *********** ** ***** *** ***** ***** ****** ********** *** ******* ********** ** **** ** *****  *** ******* ******* ********** **** *** ******* ** **** **** ******* ********* ***** ************* ** ******  **** ****** *** ******* ****** ** *** ******* ** ** ***** ****** ** *****  ** ********* *** ***** **** ********* *** ****** ********* ******** **** ****** ** *** ********
      ** ******* *** ***** **** ******** **** **********  **** *** ****** ***** ******* **** *** *********  ** ********* **** ****** ************* *** ********* ** **************   **** *** ******** ****** ** *** ******* ******* ********** ** **** ********* ***** *** ******** ** ********** ** *** ******** ** ******* *** ********** ********* *** ******* ******* *** *** **** ********* ** *****  **** ******** *** ******* **** ****** *** **** ** ** ***** ** ****** ** ******* ********** *** ******** ***** *** **** * ******** **** *****  ************* * ****** ******** ** *** ****** ******** ** ******** ****** ********* ** ****** *** ******** *** ** ***** **** *** ***** ** *** *** ********* ***** *** ********** ****** *** ********** *********** ************* *** **** ******* **** ******** **** *** ******** *** ******* *** ****** ********* ********* **** ******** *** ******** *** ******** ************ *** ********* ************** ******** ** *** ****** ********* ********* **** **** **** * ******* ** *** ****** ********* ******** ** ****** *** ******* **** *** ********** ****** *******  ****** ** ***** **** ** *** **** *** ****** ********* ******** ******** **** * ** ** **** ** ****** ******** ****** ********  **** *** ** ******* **** *** ******* *** ****** ********* ******** ****** ******** ****** ********  ******** **** **** *** **** **** *** ******* ** *** *** *** ****** ****** **** **** **** ** ****** ******* *** ******* ** *** ****** ********* *********  **** ****** **** ******** *** ********* *** ********** ********* *** ** ********* ******* ** ** **** ***** **** ** ******* *** ******** **** *** ******* * ******** ********* ********** ** ***** *********

    • Initial Complaint

      Date:10/24/2022

      Type:Service or Repair Issues
      Status:
      Answered
      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 very disturbed and upset with AFNI has not responded back to me I sent a letter requesting the proof of contract . I need these accounts deleted from my credit report they violating my right

      Business Response

      Date: 10/25/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On June 6,
      2022, Comcast forwarded the subject account, Comcast account #:  ***************** ***** **** ******* **  ************* **** **** *** *********** ** *** ******* ** ********  ****** **** **** **** ** *** ******* ******** *** *** ********* ******* *** *** ******** ** *** ******* **** ** ********** ***** 
      *** ******* ** *** ******** *********** ** ******** ** ***** ***** ******* ********** *** ******* ********** ** ****** *** *****  *** ******* ******* ********** **** *** ******* ** ** ********* ****** ********* ** ******  **** ****** *** ******* ****** ** *** ******* ** ** ***** **** *** *****  ** ****** ** ***** **** ********* *** ****** ********* ******** **** ****** ** *** ********
      ** ******* *** ***** **** ******** **** **********  **** *** ****** ***** ******* **** *** *********  ** ********* **** ****** ************* *** ********* ** **************   **** *** ******** ****** ** *** ******* ******* ********** ** **** ********* ***** *** ******** ** ********** ** *** ******** ** ******* *** ********** ********* **** ********* ** *** ***** ************ **** *** ******** **** *** ******** ********* * ******* ** **** ******** **** ****** *** ******* ****** ** ** ***** **** *** ***** **** ** ****** ** ******** *****  * ****** ******** ** *** ****** ******** ** ******** ******* ********* ** ****** *** ******** *** ** ***** **** *** ***** ** *** *** ********* ***** *** ********** ****** *** ********** *********** *************  ************* *** ******* ******* *** *** **** ********* ** *****  **** ******** *** ******* **** ******* *** **** ** ** ***** ** ****** ** ******** ********** *** ******** ***** *** **** * ******** **** *****  ************ **** **** *** ******** *** ** **** ******** ** ******** *** ********* **** ******* ******** ** *** ********* ** ******* ** * *****  * ******* ** *** ******** ** ******* ** **** ** *** ***** ** *** *******  **** *** ******** **** *** ************  ** *** ******** *** ********** **** **** ** ****** ******* *** ******** ***** **** ********  **** **** **** * ******* ** *** ****** ********* ******** ** ****** *** ******* **** *** ********** ****** *******  ****** ** ***** **** ** *** **** *** ****** ********* ******** ******** **** * ** ** **** ** ****** ******** ****** ********  **** *** ** ******* **** *** ******* *** ****** ********* ******** ****** ******** ****** ********  ******** **** **** *** **** **** *** ******* ** *** *** *** ****** ****** **** **** **** ** ****** ******* *** ******* ** *** ****** ********* *********  **** ****** **** ******** *** ********* *** ********** ********* *** ** ********* ******* ** ** **** ***** **** ** ******* *** ******** **** *** ******* * ******** ********* ********** ** ***** *********

    • Initial Complaint

      Date:10/24/2022

      Type:Service or Repair Issues
      Status:
      Answered
      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 have not supplied proof under the doctrine of estoppel by silence. ********* * ******* **** *** ** **** **** 1 presumes that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.

      The account has incorrect information such as “Name, Address, Phone number.” Which would be considered fraudulent.

      I’ve already gotten this collection removed from my credit report in May of 2022. This is another collection agency collecting for the same account that’s involved in litigation and shows the wrong information. That goes against Many consumer laws and consumer reporting laws.


      Below I will submit documentation from Experian that I already had this collection Removed in May of 2022.

      Business Response

      Date: 10/24/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  ** ****** *** ***** **** ********* *** ******* ******** **** ******** ******* **  ************* ***** **** ******* **  ************* **** **** *** *********** ** *** ******* ** **********
      *** ******* ** *** ******** *********** ** ******* *** ***** ***** **** ********** *** ******* ********** ** ******** *** *****  *** ******* ***** ******* *** ***** ******** *** ***** *********  **** ****** *** ******* ****** ** *** ******* ** ** ***** ********* ** *****  ** ******* *** ***** **** ********* *** ****** ********* ******** **** ****** ** *** ********
      ** ******* *** ***** **** ******** **** **********  **** *** ****** ***** ******* **** *** *********  ** ********* **** ****** ************* *** ********* ** ************** ** ******* *** ********** ******** **** *** ******** **** *** ************  **** ********* ** *** ***** ************ **** *** ******** ********* * ******* **** ****** ** ******** ******  *** ******* *** ******* ** ********* ******** ***** ** *** ******** ****** ********* ** *** ******* **** *****  * ***** ****** ** ******** *** *** ********** *********** ** *** ******** *** ** ** ************************************  **** ********** *** ******** ** ****** *** ***** ********* ****** ** **** ** **** *** **************  *** ********* ********* *** ** ****** ** **** ** **** ******** ***** ** ******** ******* **** *** **** ******** ** ***********  ************* **** **** *** ******* * ****** *******  ******* * ***** ***** **** *** ****** ********* ******** ** * ********** *** *** ******** ** *********** * ***** ******  *** ******** *** **** ******* ****** ***** ********** ** ***** ******** ** **** **** *** ********* ********* *** ***** ********  ** *** ******** *** ********** **** **** ** ****** ******* *** ******** ***** **** ********  **** **** **** * ******* ** *** ****** ********* ******** ** ****** *** ******* **** *** ********** ****** *******  ****** ** ***** **** ** *** **** *** ****** ********* ******** ******** **** * ** ** **** ** ****** ******** ****** ********  **** *** ** ******* **** *** ******* *** ****** ********* ******** ****** ******** ****** ********  **** ****** **** ******** *** ********* *** ********** ********* *** ** ********* ******* ** ** **** ***** **** ** ******* *** ******** **** *** ******* * ******** ********* ********** ** ***** *********

    • Initial Complaint

      Date:10/23/2022

      Type:Service or Repair Issues
      Status:
      Answered
      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 sprint and do not have a contract with AFNI. They do not provide me with the orginial application like I asked.

      Business Response

      Date: 10/24/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On August
      23, 2022, ****** ********* *** ******* ******** ****** ******* **  ********** ***** **** ******* **  ************* **** **** *** *********** ** *** ******* ** ********
      *** ******* ** *** ******** *********** ** ******** *** ***** ***** ****** ********** *** ******* ********** ** ******** *** *****  *** ******* ******* ********** **** *** ******* ** *** **** ******* ********* ** ****** ***** ** *** **** ******* *** ******** ****** ** **** **********  **** ****** *** ******* ****** ** *** ******* ** ** ***** ****** *** *****  ** ******* ** ***** **** ********* *** ****** ********* ******** **** ****** ** *** ********  ** ******* *** ***** *** ******** ***** **** ** **** ************** *** ****** ** **** ** ******* *** * ********** ******* ***** ** ***** *** ********
      ** ******* *** ***** **** ******** **** **********  ** ********* **** ****** ************* *** ********* ** **************   **** *** ******** ****** ** *** ******* ******* ********** ** **** ********* ***** *** ******** ** ********** ** *** ********  ** ******* *** ********** ********* *** ******* ******* *** *** **** ********* ** *****  **** ******** *** ******* **** ****** *** **** ** ** ***** ** ****** ** ******* ********** *** ******** ***** *** **** * ******** **** *****  ************* * ****** ******** ** *** ****** ******** ** ******** ****** ********* ** ****** *** ******** *** ** ***** **** *** ***** ** *** *** ********* ***** *** ********** ****** *** ********** *********** *************  **** **** **** * ******* ** *** ****** ********* ******** ** ****** *** ******* **** *** ********** ****** *******  ****** ** ***** **** ** *** **** *** ****** ********* ******** ******** **** * ** ** **** ** ****** ******** ****** ********  **** *** ** ******* **** *** ******* *** ****** ********* ******** ****** ******** ****** ********  ******** **** **** *** **** **** *** ******* ** *** *** *** ****** ****** **** **** **** ** ****** ******* *** ******* ** *** ****** ********* *********  **** ****** **** ******** *** ********* *** ********** ********* *** ** ********* ******* ** ** **** ***** **** ** ******* *** ******** **** *** ******* * ******** ********* ********** ** ***** *********

    • Initial Complaint

      Date:10/21/2022

      Type:Service or Repair Issues
      Status:
      Resolved
      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 a victim of identity theft and did not make the charge. I have ask Afni to valdate this debt and provide proof and still have not received a response.I reported the theft of my identity to the Federal Trade Commission. I
      demand that the items be deleted to correct my consumer report immediately.

      Business Response

      Date: 10/24/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On July 22,
      2022, Sprint forwarded the subject account, ****** ******* **  ********** Afni, Inc. account **  ************* with Afni for collections on
      the balance of $1,222.06.
      The account is for services established on July 1, 2019,
      until Sprint considered the account delinquent on November 2, 2019.  Afni mailed the initial notice of the account
      on or about July 27, 2022.  On September
      11, 2022, Afni furnished the credit reporting agencies with notice of the
      account.  On October 13, 2022, Afni
      received a dispute from the credit reporting agencies, reviewed all relevant
      information, and responded appropriately.
      On October 24, 2022, 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 concern, when a
      consumer submits a dispute through the credit reporting agencies, Afni responds
      directly to the credit reporting agencies.  The account was updated as potential identity theft as the consumer
      denied knowledge of any service with Sprint.  Afni encourages the consumer to visit Sprint's fraud website at
      www.sprint.com/fraud, which discusses the process and documentation needed for
      the fraud investigation. Placing a fraud alert with the credit reporting
      agencies is a suggestion and not required to investigate a fraud claim.  The consumer may also contact Sprint directly
      if they have any questions regarding the fraud process at ***** *********  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 ******** ********* ********** ** ***** *********

      Customer Answer

      Date: 10/24/2022

       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:10/20/2022

      Type:Billing Issues
      Status:
      Answered
      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 September of 2022, I was reviewing my credit file & came across numerous collection which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with bbb.org & credit an BBB complaint report for their records. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my credit report as I did not benefit or received any goods or services from these account. Here is the list of information I need to removed from my credit report: Fraudulent collection: AFNI, INC. (Original creditor: ******* ********** Date opened: Sep 01, 2022 Balance: $2,846. Please remove the following information from my file.

      Business Response

      Date: 10/21/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On September
      1, 2022, Sprint forwarded the subject account, ****** ******* **  ********** ***** **** ******* **  ************* **** **** *** *********** ** *** ******* ** **********
      The account is for services established on July 11, 2017,
      until Sprint considered the account delinquent on September 12, 2019.  Afni mailed the initial notice of the account
      on or about September 6, 2022.  On October
      16, 2022, Afni furnished the credit reporting agencies with notice of the
      account.
      On October 21, 2022, **** ******** **** **********  **** *** ****** ***** ******* **** *** *********  ** ********* **** ****** ************* *** ********* ** ************** ** ******* *** ********** ******** *** ******* *** ******* ** ********* ******** ***** ** *** ******** ****** ********* ** *** ******* **** *******  **** **** ******* *** ********** ******* ************* ** *** *******  **** ** ****** ** ******* *** ********** ******** ***** ******* ** ***** *** ** **** ******** ** ********  ******* * ***** ***** **** *** ****** ********* ******** ** * ********** *** *** ******** ** *********** * ***** ******  *** ******** *** **** ******* ****** ******** ** **** **** *** ********* ********* *** ***** ******* ** ***** *********  **** **** **** * ******* ** *** ****** ********* ******** ** ****** *** ******* **** *** ********** ****** *******  ****** ** ***** **** ** *** **** *** ****** ********* ******** ******** **** * ** ** **** ** ****** ******** ****** ********  **** *** ** ******* **** *** ******* *** ****** ********* ******** ****** ******** ****** ********   **** ****** **** ******** *** ********* *** ********** ********* *** ** ********* ******* ** ** **** ***** **** ** ******* *** ******** **** *** ******* * ******** ********* ********** ** ***** *********

    • Initial Complaint

      Date:10/20/2022

      Type:Billing Issues
      Status:
      Answered
      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 sent me a letter via mail for a collection debt amount of $1612. In their letter Afni, Inc company stated “How can you dispute the debt?
      • Call or write to us by October 17, 2022, to dispute all or part of the debt. If you do not, we will assume that our information is correct.
      • If you write to us by October 17, 2022, “WE MUST STOP” collection on any amount you dispute until we send you information that shows you owe the debt. We accept disputes electronically at www.afnicollections.com or via email at [email protected].”

      Via the supporting attachments it has not been 30 days yet alone five days when the company responded via email on Oct 17th, stating they'd investigate. This company has violated my rights by furnishing on my credit report without my consent. The investigation itself has not yet been completed nor did I receive information via mail stating the outcome solution that they said they'd do. Their letter also stated they'd stop collection on any amount yet still reported on my credit report. I also notified them in my dispute letter not to report on my credit report.

      They have violated laws ** **** **** * ***** *********** ******** ** ******** ******** ** ***** **** ******* *** ** ****** * **** *** ***** ** ******** ** ***** **** ******* *** * ******* ** ** **** ****** * ******** ********* ****** ****** ******* * ******* ******* ** ******* *************

      Business Response

      Date: 10/20/2022

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On August
      29, 2022, Sprint forwarded the subject account, S***** ******* **  *********, Afni, Inc. ******* **  ************* **** **** *** *********** ** *** ******* ** **********
      *** ******* ** *** ******** *********** ** ******** ** ***** ***** ****** ********** *** ******* ********** ** *** ** *****  *** ******* ******* ********** **** *** ******* ** **** ********* **** ********* **** **** **** ****** ** ******  **** ****** *** ******* ****** ** *** ******* ** ** ***** ********* ** *****  ** ******* *** ***** **** ********* *** ****** ********* ******** **** ****** ** *** ********  ** ******* *** ***** **** ******** *** ********** ******* ***** ****** ** ******** ** ********* **** ****** ************* *** ********* ** ************** ** ******* *** ***** **** ****** *** ******** ********** ** *** ***** 
      ** ******* *** ***** **** ******** **** **********  ** ********* **** ***** ****** ************* *** ********* ******* **************   **** *** ******** ****** ** *** ******* ******* ********** ** **** ********* ***** *** ******** ** ********** ** *** ******** ** ******* *** ********** ********* **** *** ******** **** *** *********** ***** *** ***** *** *****  *** ****** ** ******** ****** **** *** ******** *** ***** ******* *** ***** ** ******* *** ******** ************ ** **** *** ******* *** ****** ** ********* ********* ****** *** **** ******* ** *** ******** *** ********** **** **** ** ****** ******* *** ******** ***** **** ********  **** **** **** * ******* ** *** ****** ********* ******** ** ****** *** ******* **** *** ********** ****** *******  ****** ** ***** **** ** *** **** *** ****** ********* ******** ******** **** * ** ** **** ** ****** ******** ****** ********  **** *** ** ******* **** *** ******* *** ****** ********* ******** ****** ******** ****** ********  ******** **** **** *** **** **** *** ******* ** *** *** *** ****** ****** **** **** **** ** ****** ******* *** ******* ** *** ****** ********* *********  **** ****** **** ******** *** ********* *** ********** ********* *** ** ********* ******* ** ** **** ***** **** ** ******* *** ******** **** *** ******* * ******** ********* ********** ** ***** *********

    Afni, Inc. is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

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