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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 3427 Bloomington, IL 61702-3427

    • Afni, Inc.

      404 Brock Drive P.O. Box 3427 Bloomington, IL 61702

    • Afni

      1000 Jeters Avenue Opelika, AL 36801

    • Afni, Inc.

      PO Box 3097 Bloomington, IL 61702-3097

    Customer Complaints Summary

    • 302 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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:07/21/2023

      Type:Billing 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.
      Im not liable for this debt with ******* , I do not have a contract with Afni, INC. They did not provide me with the original contract as requested.

      Business Response

      Date: 07/25/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the Mr. ******** concerns.  Afni
      investigated the Mr. ******** claim and determined that a wrong party was
      contacted in error.  Afni apologizes for
      any inconvenience this may have caused the Mr. ******.  Afni will send a request to the credit
      reporting agencies to remove the account from the consumer’s credit
      report.  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: 07/25/2023

      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:07/19/2023

      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.
      I am requesting that AFNI provide proof in the sort of a contract that I had business with them or any party referring to this debt. I never had any business with AFNI which is a collection agency nor ******. Please have contract or any documentation provided

      Business Response

      Date: 07/21/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On August 9,
      2022, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $2,372.97.
      The account is for services established on December 16, 2019,
      until ****** considered the account delinquent on July 8, 2021.  The billing 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 August 14,
      2022.  On September 25, 2022, Afni
      furnished the credit reporting agencies with notice of the account.
      On July 20, 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.  Additionally, 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.  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.
      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 ****** 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 Regulatory Specialist at ***** *********

      Customer Answer

      Date: 07/21/2023

       I am rejecting this response because: I never had service with ****** and I am requesting that a contract or some sort of proof be providing to show that this account belongs to me. I don't believe debt can sold without proof and i am requesting documentation such as contract with ****** and copy of ID be provided when I was openning the account stated, if none can be provided I am demanding that account be taking off my credit report because I know that it doesn't belong to me

       

      thank you


      Business Response

      Date: 07/25/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On August 9,
      2022, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $2,372.97.
      The account is for services established on December 16, 2019,
      until ****** considered the account delinquent on July 8, 2021.  The billing 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 August 14,
      2022.  On September 25, 2022, Afni
      furnished the credit reporting agencies with notice of the account.
      On July 25, 2023, Afni received this complaint.  In response, Afni ceased communication and
      initiated an investigation.  To address
      the consumer’s concerns, as previously stated in the last complaint response, 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 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.  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.
      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 ****** directly if they have any questions
      regarding the fraud process at ***** ********. On July 23, 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.  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: 08/01/2023

       I am rejecting this response because: I am requesting that the contract signed to open this account be provided and also any Identification used to be provided as well. I have been asking ****** to provide the contract and Identification and the company has been unable to do so because they allowed someone to open an account without identification under my name.

      If neither contract nor Identification proof used to open this account cannot be provided. I am demanding that this account be removed under my name. I never had any business with ****** nor the collection agency, so I am demanding that this be taking off my report.

      This summary provided doesnt proove anything and will not be acceptable in a court of law.

      Please have contract provided 


    • Initial Complaint

      Date:07/17/2023

      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.
      I am not liable for this debt with ******. I do not have a contract with Afni, Inc. They did not provide me with the original contract as I requested.

      Business Response

      Date: 07/19/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On December
      15, 2021, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $299.98.
      The account is for services established on May 9, 2019,
      until ****** considered the account delinquent on June 1, 2019.  The billing address associated with the
      account is **** *** ************ ***** ********* ** ************ ** *****.  Afni mailed the initial notice of the account
      on or about December 20, 2021.  On January
      30, 2022, Afni furnished the credit reporting agencies with notice of the
      account.
      On July 18, 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.  Additionally,
      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:07/17/2023

      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.
      I am not liable for this debt with ******, I do not have a contract with Afni, Inc., they did provide me with the original contract as requested

      Business Response

      Date: 07/19/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On August
      30, 2022, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $1,148.22.
      The account is for services established on March 2, 2018,
      until ****** considered the account delinquent on July 5, 2021.  The billing address associated with the
      account is **** **** ****** ****** ********* **** ***** ********* ** *****.  Afni mailed the initial notice of the account
      on or about September 4, 2022.  On October
      16, 2022, Afni furnished the credit reporting agencies with notice of the
      account. On July 18, 2023, Afni received a dispute from the credit reporting
      agencies, reviewed all relevant information, and responded appropriately.
      On July 18, 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 Sprint; therefore, the consumer would not have a
      contract with Afni. Additionally, when 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 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:07/17/2023

      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.
      I am not liable for this debt with** * ******** . I do not have a contract with AFNI, INC. They did not provide me with the original contract as I requested

      Business Response

      Date: 07/21/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On March 10,
      2023, **** forwarded the subject account, **** Mobility account #:  ************, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $6,674.47.
      The account is for services established on September 11,
      2020, until **** considered the account delinquent on June 20, 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 March 12, 2023.  On April 30, 2023, Afni furnished the credit
      reporting agencies with notice of the account. On July 18, 2023, Afni received
      a dispute from the credit reporting agencies, reviewed all relevant
      information, and responded appropriately.
      On July 18, 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, when 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 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:07/17/2023

      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.
      I received a notice that I have a collection from AFNI, INC. on my credit report. It says it was opened on12/1/2022 for $251 with account number starting in ********** that I am not aware of nor am I responsible for. I never went into business with this company or signed any agreements with them so they should not be reporting anything on my credit. This is a violation of my rights as a consumer according to the FCRA and FDCPA.

      I would like for this collection to be removed asap or I will file a CFPB and FTC report.

      Business Response

      Date: 07/19/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On December
      27, 2022, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $251.95.
      The account is for services established on September 20,
      2010, until ****** considered the account delinquent on November 23, 2021.  Afni mailed the initial notice of the account
      on or about December 29, 2022.  On February
      12, 2023, Afni furnished the credit reporting agencies with notice of the
      account.
      On July 18, 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.  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 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
      www.******.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 ****** 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 Regulatory Specialist at ***** *********

    • Initial Complaint

      Date:07/17/2023

      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.
      I am not liable for this debt with * ******** and i also do not have a contract with AFNI, INC. .They did not provide me with the original contract as I requested.

      Business Response

      Date: 07/18/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  Afni does
      not have an account for the consumer with ********. Afni trusts this response
      has addressed the consumer’s concerns, but if questions remain, they may
      contact a Regulatory Specialist at ***** ********.

    • Initial Complaint

      Date:07/17/2023

      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.
      I am not liable for this debt with AFNI, INC, I do not have a contract with ******, they did not provide me with the original contract as I requested

      Business Response

      Date: 07/18/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On January
      7, 2021, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $1,131.32.
      *** ******* ** *** ******** ***** ****** ********** *** ******* ********** ** ******** ** *****  *** ******* ******* ********** **** *** ******* ** **** *** ******* ********* *** *** ***** ** *****. 
      Afni mailed the initial notice of the account on or about January 10,
      2021.  On February 28, 2021, Afni
      furnished the credit reporting agencies with notice of the account. On July 18,
      2023, Afni received a dispute from the credit reporting agencies, reviewed all
      relevant information, and responded appropriately.
      On July 18, 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, 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:07/16/2023

      Type:Billing 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 not liable for this debt with comcast.I do not have a contract with AFNI, INC, they did not provide me with the original contract as i requested.

      Business Response

      Date: 07/18/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the Mr. ********* concerns.  While
      investigating Mr. ********* claims, Afni determined a wrong party was contacted
      in error. Afni will send a request to the credit reporting agencies to remove
      the account from the consumer’s credit report. 
      Afni apologizes for any inconvenience this may have caused the Mr.
      *******. 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: 07/18/2023

      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:07/16/2023

      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.
      I am not liable for this debt with ******, I do not have a contract with Afni, Inc. they did not provide me with the original contract as I requested.

      Business Response

      Date: 07/19/2023

      This is in response to your BBB inquiry.  Afni appreciates the opportunity to respond
      to the consumer’s concerns.  On August 4,
      2022, ****** forwarded the subject account, ****** account #:  *********, Afni, Inc. account #:  *********-01, with Afni for collections on
      the balance of $1,011.49.
      The account is for services established on February 15, 2017,
      until ****** considered the account delinquent on January 17, 2020.  The billing 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 August 9, 2022.  On September 25, 2022, Afni furnished the
      credit reporting agencies with notice of the account.
      On July 17, 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 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 ***** ********.

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