• Report: #344200

Complaint Review: Afni

Thank You

Read how Ripoff Report saves consumers millions.

  • Submitted: Wed, June 25, 2008
  • Updated: Sat, July 05, 2008

  • Reported By:New York New York
PO Box 3427 Bloomington, Illinois U.S.A.

Afni Fraudulent Collection notice for MCI account opened at address other than my own back in 2004 Bloomington Illinois

*Consumer Comment: fraud

What's this?
What's this?
What's this?
Is this
Ripoff Report
About you?
Ripoff Report
A business' first
line of defense
on the Internet.
If your business is
willing to make a
commitment to
customer satisfaction
Click here now..

Does your business have a bad reputation?
Fix it the right way.
Corporate Advocacy Program™

SEO Reputation Management at its best!

When checking my Experian credit report in March of this year, I noticed a negative item on the report that I did not recognize. It was an account with MCI, a phone company I have never had an account with. I contacted Experian and let them know this item was fraudulent and it was removed.

In May of this year, I received a collections notice from Afni, Inc. regarding this fake MCI account in the amount of $212.93. I contacted Afni and let them know that I had no knowledge of this account and upon learning it was allegedly opened in late 2004, told them that I had never received a single bill from MCI regarding this phone line in the nearly 4 years since it was supposedly opened. Afni told me 'good luck' trying to prove it wasn't me who opened the account. They claim that because the account was opened with my SSN, name and date of birth, it is my responsibility. They also claim to have proof that I 'okayed' this phone line via a phone call with MCI. This is a lie and I believe they were trying to use scare tactics with me.

Afni sent me the fraud dispute form but I am hesitant to fill it out because they told me if I prove that I lived at my address back when this account was opened I will be proving I am responsible for the phone line, even though this line was installed at a residence other than my own. I have lived at my home for nearly 11 years and do not recognize the address where this fraudulent phone line was opened.

Even more suspicious, I had an instance of ID fraud in November of 2004 with AT&T where a fraudulent account was opened using my information. The amount due on this account was very similar to the 'new' MCI account - the AT&T bill was for $272.73. Also, this AT&T line was opened in the same location as the MCI line. I was able to prove I was not responsible for the AT&T line and everything was resolved in 2005. I have documentation from AT&T's fraud department to prove this. I believe that Afni is completely fabricating the MCI account, using information from the AT&T issue that they must have somewhere in their 'database'.

I tried speaking with the fraud department at MCI but they could not give me any information and said that since Afni had purchased the account from them I had to deal directly with Afni. On June 16th of this year I sent Afni a letter asking them for validation of the account. I explained to them that I know my rights in accordance with the Fair Debt Collection Practices Act. They need to prove to me that I was the one who opened the account. I cannot see that there is any way for them to do so.

I am concerned that Afni is going to try to place a negative item on my credit reports. I have always had excellent credit and do not need crooks mucking it up! I have done a fair amount of internet research regarding Afni and have found nothing but negative reports from consumers.

I placed a credit alert on my file with all 3 credit agencies. I filed a complaint with the FTC, the BBB of Central Illinois and with the Attorney General in my state. Now I wait and see..

New York, New York

This report was posted on Ripoff Report on 06/25/2008 02:52 PM and is a permanent record located here: http://www.ripoffreport.com/r/Afni/Bloomington-Illinois-61702/Afni-Fraudulent-Collection-notice-for-MCI-account-opened-at-address-other-than-my-own-back-344200. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.

Click Here to read other Ripoff Reports on Afni

Search for additional reports

If you would like to see more Rip-off Reports on this company/individual, search here:

Search Tips
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?
0Author 1Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment


AUTHOR: Anonymous - (U.S.A.)

If it wasn't you that did it, and your information was used, then it sounds like some one stole ur information to open an mci account. Then it sounds like MCI couldn't collect on the account because the person who stole your id obviously wasn't going to pay. Seems that MCI sold the acct to AFNI to get something for it. AFNI probably found you through public records and now, you know about the bill. That is how most people find out that their id has been stolen. I think that you should file fraud with afni, prove that you didn't live there(at the time the service was running to), if you have a bill from afni, use that to get a id theft police report and file fraud with them (you said that it was on your credit file? get a copy of the credit file and use that to get id theft report to give to afni). It sounds like the person used your name for the AT&T bill, got shut off, then went to MCI.
Respond to this report!
What's this?
Report & Rebuttal
Respond to this report!
What's this?
Also a victim?
What's this?
Repair Your Reputation!
What's this?

Advertisers above have met our
strict standards for business conduct.

Ripoff Report Legal Directory