Complaint Review: AFNI

Recently I received a letter from AFNI, Inc stating I owe then $2907.99. The original creditor was Verizon California Inc. Verizon does not have any record of this account on file.

I spoke to Pam ID 32037 who was very rude, condescending and assumptive. She told me that the debt was acquired by AFNI, Inc back in 2006. She further explained according to Verizon the debt went into collections back in 1996. Meaning this account is 12 years old.

I would like to state that this is not my account. Second for others that are dealing with this situation, I would like to offer assistance on trying to fight these junk debt collectors.

First: Deny Dispute Disavow but do it in writing to AFNI, Inc and to the credit agencies.

Second: Please review this web-site: Fair Credit Reporting.com. It is full of information regarding consumer rights on fighting scrupulous junk debt collectors such as AFNI, Inc and other such companies.
http://www.fair-credit-reporting.com/credit-laws/credit-reporting-periods.html#extend-5

Third: Stay diligent and do not back down. Dispute your credit report. If at first you do not succeed try, try, and try again.

Lastly: Do not pay if the account is not yours this only re-opens the account and allows for this company to re-age the account (to a certain degree). It may not seem like it but the law is on our side.

AFNI, Inc. may attempt to guilt you or bully you into paying on an old account but in the end we as consumers have the power. I did not wish to write a prolonged post about how wrong mean or bothersome this company is, for in the end - it is my hope to transcend this experience and it is my hope to provide others that are experiencing the same ordeal with the tools that I used to overcome this situation.

Please check out the link above for it does have a lot of useful information to empower the consumer to fight dirty companies such as AFNI, Inc. at their own game.

Ru2inept sorry I do not wish to state my name
los angeles, California
U.S.A.