AFNI, INC Tired Bloomington Illinois
I am sooo tired of these idiots! They are KILLING my credit score! They show up as a Collection account as new as 08 but are due to fall off my reports in 5/10. DUH.....that makes the DOFD allll the way back in 03. I disputed with all 3 CRA, of course they came back verified. I sent a DV and they sent a "final bill" from Verizon. I put that in quotes because i truly question the validity. I don't remember EVER having a verizon account, yet alone for the almost $1200 they are claiming. I just want them to go away so I offered to pay 25% of the claim if they would delete. What did I get back, yet another so called final bill. Do they even read the mail you send them? HOW can the state of IL continue to allow them to be in business? I am simply disguisted with the whole thing!
Stephn1966
Owings Mills, Maryland
U.S.A.
1 Updates & Rebuttals
John
Louisville,Kentucky,
U.S.A.
advise
#2Consumer Comment
Wed, January 21, 2009
DO NOT settle just to get them off your back...if you do they'll come back for more money
Send a letter via Certified Mail + Return Receipt to AFNI stating:
Per the Fair Debt Collection Practices Act, I am requesting written validation of this alleged debt, which includes:
- a copy of the original signed contract with my signature for this phone account
- validation of the original "Date of Delinquency" for this alleged debt
- validation of the "Date of Last Activity" for this alleged debt
I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Be advised that validation is not a request for verification or proof of my mailing address but proper, complete and competent evidence that I have any legal obligation to pay you.
Either validate this alleged debt within the 30 day time period as allowed under the Fair Debt Collection Practices Act or remove it from my credit files
If this notation is not removed, I will have no choice by to take legal action per my rights under the Fair Debt Collection Practices Act. I also file reports with the Attorney General of Illinois and the BBB.
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If this process fails, file complaints with the Attorney General of Illinois...the Central Illinois BBB.
If this process fails, sue them for Fair Credit Reporting Act violations.