afni Inc Complaint
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afni Inc - violation of cease and desist order also FDCPA
on December, 2007 my husband and I were deciding to buy a home, so we pulled our credit reports, and noticed that I had 2 cell phone bills originating from ALLTEL, So I sent the company AFNI INC a certified letter explaining to them i am not refusing to pay but is requesting validation of the accounts.60days past I sent another letter via certifted reciept explaining to them that i requested validation on the cell phone bills and i have not heard any thing from the collection Agency AFNI, I waited another 30days and pulled my credit again and the debts were still there, Federal and State laws state if a collection agency cant validate an account they must remove from my credit report. It is now month 6, getting worried about the open collection account on my credit i sent via letter to AFNI ceritified receipt, stating that i am not agreeing that this is my debt, however just to clear the matter up i can afford to pay 400.00 to clear up the matter also stated this payment would be paid in full along agreement with removal off credit report, also stated will accept cashing of the check as signature agreeing to the settlement amount, IN addition too my letter also states if you dont agree with the settlement offer, send check back along with a wrtten letter stating you are refusing my good faith effort to resolve this. In addition too, CEASE and DESIST was requestd in wriitng... 3months later recieved lettwr from Afni inc. Informing me that they has recieved the cease and desist order. ( however had balance due)
in addtion too that recieved another letter from AFNI ( threating to resume collection activites if payment was NSF) ( after ceaae and desist order) Afni has violation FDCPA Section 809a and 809b and 805c. 9months has past debt is continually to be reported on credit report with balance due?????? I have filed a claim against AFNI for lawsuit for these violations.
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