On September 13, 2007 I called and settled a debt with the collection department of AFNI. The debt was paid and should have left a zero balance seven days later they post the same account an my credit report as derogatory, and on a different credit bureau they posted it as paid. This is nerve racking when you are attempting to fix your credit and you have a collection agency that pulls stunts such as this.

Just received a letter from Afni about a phone bill with Verizon from 1998. The bill was never in my name and I lived with my college roommates for about a month. My friend went through this same ordeal about six years ago over the same bill. He paid it, and now they have contacted me. If anyone has any suggestions on what I should do, please email me. I have always paid my bills, but this is obviously a corrupt practice.

After calling this company 3 times and trying to straighten out this fraudmisidentity - I like others on this posting have had no luck. They also offered a settlement for half or to go to their website to dispute which I was unable to do as well. I have never lived in the address on the bill and never had an account with Verizon as well, yet we receive a bill that keeps being sent to us for $301.84. If anyone has any suggestions, please let me know so I can finally get this straightened out. Thanks!

I received a collections notice from this so called Collection company, Afni. They stated that I owed $112.80 for a phone I had when I lived in Le Grande Oregon, 10.5 years ago!!! The company then was GTE and now it is Verison. When I called Verison, they told me that they did not even have my name in their computer system.

When I moved from LeGrande, I left a forwarding address and another thing, a friend of mine moved right into the duplex that I moved out of and the best of all, that duplex belongs to my sister, so if a phone bill would have came, for me, they would have made sure to get it to me.

These guys need to be stopped because they are probably taking money from older people that do not know better, have no access to a computer to see that they are a scam.

August 14, 2007

I receive a negative inquiry on my credit report from AFNI, INC for an original creditor Verizon. I have never had an account with Verizon. This company AFNI has made my life and credit score pure hell. This negative collection reporting has taken my credit score from 701 (good) to 573 (very poor) score rating. I am in the process of buying a house and I just keep receiving denials about my credit having a collection debt, which I knew this was not true. So I order my credit report to find out this company AFNI had put a collection of a bill for 1,846 from original creditor Verizon. I alert all 3 Credit Bureau of this company AFNI, reporting a delinquent account to my credit. Again I do not have an account with this company and further more I do not even own a cell phone or home phone number in my living area they do not even offer Verizon service. I spoke with a representative name Charlene with AFNI, per representative this was a bill in Lynchburg, VA for a phone number in 1994 I have not live at the address they provided nor had a phone number of 804 for Lynchburg VA. Lynchburg VA area code has been 434 for the past 10 years. When speaking to the representative she stated that Verizon brought out some company with this bill of 1,846.00 and they had the account open in January 2006 and recently reported the collection to the credit bureaus July 2007. Never once I had any type of collection nor any reporting to the bureaus about having any thing from Verizon or AFNI it all of sudden pop up on credit report; no statements, no itemized bill or nothing was sent to me. Speaking to about 10 representative of Verizon Wireless and Verizon as well as the fraud department they could not provide anything for the account number or my social security number. This company AFNI has made my life miserable as well as ruin my credit. The problem with Verizon they are allowing this company to use their name and to continue to practice fraudulent tactics using there company name. I have spent money and time just to clear my name and seem like I am not getting anywhere. Per Charlene she said the company take this information from a public record but would not provide me with the company that have such public record she stated it's only for collections agency. This is a complete fraud to consumers and ruining people credit reports and scores. Never once have I had a debt reported to the credit bureau in reference to any type of bill for Verizon or AFNI. Please Complaints.com let the publics know what this company is doing to people lives.

Thank You,

John Banks, Virginia.