AFNI RIPOFF ILLEGALLY ACCESSING MY CREDIT REPORTS I DON'T HAVE ANY ACCOUNTS WITH THEM! BLOOMINGTON Illinois
SOMEONE AT AFNI HAS BEEN GETTING INTO MY CREDIT REPORT. LAST YEAR I FILED A COMPLAINT WITH THE BBB, BECAUSE THEY HAD MY CREDIT INFORMATION CHANGED FROM MY HOME ADDRESS TO 404 BROCK DRIVE, BLOOMINGTON, IL 61702.
NO ONE CAN CHANGE YOUR INFO WITHOUT HAVING SOME TYPE OF DEMOGRAPHIC INFO ABOUT YOU. AND TO CHANGE MY HOME ADDRESS TO THEIR BUSINESS ADDRESS? AND FOR WHAT? I CONTACTED THEM AGAIN TODAY. I JUST RAN MY CREDIT REPORT AND FOUND THEY HAVE ONCE AGAIN ACCESSED MY CREDIT REPORT THIS MONTH, THIS YEAR.
I SPOKE WITH A GAL NAMED TASHA AND SINCE SHE COULDN'T FIND A FILE ON ME, SHE TRANSFERRED ME TO A GAL NAMED BECKY. NEITHER ONE COULD FIND AN ACCOUNT WITH MY CURRENT ADDRESS OR MY PAST ADDRESS OF 13 YEARS. HMMMM. STRANGE, HUH?
THEN BECKY ASKED ME IF I WERE MARRIED. I SAID YES. SHE ASKED FOR MY HUSBAND'S NAME. WHICH I KNEW HE HAD NOTHING TO DO WITH THIS ACCOUNT. I HAVE LOOKED OVER HIS CREDIT REPORT AS WELL.
SHE SAID "THEN THERE IS NOTHING MORE WE CAN DO WITHOUT ANY FURTHER INFORMATION" HMMMM?
SHE TRIED TO GET MY SOCIAL SECURITY NUMBER, IN WHICH I REPLIED .. "YOU PEOPLE ALREADY HAVE MY INFORMATION, YOU'VE ALREADY ACCESSED MY ACCOUNT, SO YOU SHOULD ALREADY HAVE ALL OF MY INFORMATION"
NOT ONCE DID THEY FIND AN ACCOUNT WITH MY NAME ON IT IN THEIR RECORDS, SO WHY ARE THEY ACCESSING MY CREDIT FILES? THIS IS FRAUD IN MY EYES, PLAIN AND SIMPLE!!
WHAT CAN I DO TO STOP THIS NONSENSE?
Michelle
ELKHART, Indiana
U.S.A.
1 Updates & Rebuttals
Steve [Not A Lawyer]
Bradenton,Florida,
U.S.A.
Basic information for Michelle on the AFNI situation.
#2Consumer Suggestion
Thu, March 29, 2007
Michelle,
First, FORGET THE BBB! They are useless and have absolutely no power to do anything. They are a for profit business just like AFNI.
Second, STAY OFF THE PHONE!! NEVER call, or speak to any debt collector. This can only make things worse. They ARE NOT "customer service". They have only one goal and that is to separate you from your money.
File a complaint in writing to each credit bureau regarding the "illegal" access to your credit files. Clearly state that you have never contacted AFNI or engaged in any business with them prior to them accessing your files. DEMAND to see what the "PERISSIBLE PURPOSE" was for them to do so.
Send all communications by certified mail, return reciept requested. Be sure to put the certified# on the letter itself and keep a copy for your records. This is very important.