AFNI Collections Inc. Attempting to collectect a debt that is not legitimate. Bath Maine
My son, recently received a collection attempt from AFNI COLLECTIONS for $733.66, listing MCI telephone Company as the company he woes the money to. My son was a minor at the time the debt allegedly accrued. He did not have a telephone in his name not does this debt belong to him. In attempting to call them to have this investigated, the message is always similar: "your wiat time is approximately 9 minutes" I wait on the line at least three times for in excess of 15 minutes. No one ever comes on the line. My son is now a college student and this bogus debt is hurting his credit for student loans.
Arrington
bath, Maine
U.S.A.
1 Updates & Rebuttals
John
Louisville,Kentucky,
U.S.A.
Advise.....
#2Consumer Comment
Mon, June 23, 2008
Make a photocopy of your son's birth certificate and driver's license. Circle his date of birth on the copies. Send this to all three credit bureaus via Certified Mail + Return Receipt and write the following:
Per the Fair Credit Reporting Act Act, I am requesting validation that [insert name] was a legal adult at the time that this alleged debt was incurred
Per the Fair Credit Reporting Act Act I am requesting written validation of this alleged debt
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For AFNI:
Send them a letter via Certified Mail + Return Receipt stating:
Per the Fair Debt Collection Practices Act, I am requesting:
- written validation of this alleged debt and that said alleged debt is within the statute of limitations
- I am requesting validation that [insert name] was a legal adult at the time that this alleged debt was incurred
- Cease all verbal communications with me about this alleged debt.
Read up on the Fair Debt Collection Practices Act and understand your rights:
http://en.wikipedia.org/wiki/Fair_Debt_Collection_Practices_Act
DO NOT pay AFNI one penny! If you do it will validate/affirm the debt as legitimate.