AFNI Another Fake Debt Collection Bloomington Illinois

When will someone step up and put an end to this?

Answer: The real problem lies with the big three credit bureaus, which are way more concerned with their profits than in the accuracy of the info they report...This creates opportunities for firms like AFNI to step in and post bogus negative info on credit reports to get money from you.

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FAQ: What to do if AFNI places bogus negative info on your credit report:

Send a letter to all three credit bureaus (preferably Registered Mail with Return Receipt) with the following request:

I do not recognized this alleged debt. Per the Fair Credit Reporting Act I am requesting that you validate this alleged debt. To speed things up, include a photocopy of your driver's license and social security card with each letter. If you don't include these items, the credit bureaus may write back and request this information, delaying your request by around a month

Under normal circumstances the credit bureaus should remove the negative notations. If they don't and write back that the debt has been validated, you have a fight on your hands.

If AFNI has placed bogus negative information on your credit files and one (or all) credit bureaus have come back claiming that this alleged debt has been validated as legitimate, you should:

#1) Send a Registered Mail with Return Receipt directly to AFNI, stating the following:

This debt is not mine and AFNI is in violation of the Fair Credit Reporting Act in reporting erroneous negative information to the credit bureaus that I owe this debt. If this erroneous entry is not removed from my credit file within thirty days, I plan to file official charges against AFNI with the Illinois Attorney General [note: AFNI is located in Illinois, so complaints would be filed in Illinois] as well as take other actions per my rights under the Fair Credit Reporting Act

#2) Send a Registered Letter with Return Receipt to any (all) credit bureaus still reporting this bogus negative information with the following request:

I am requesting the written communication between your firm and AFNI that led to validation of this.

#3) Keep your fingers crossed and hope this works. If the negative information is STILL on your credit files after these efforts, it's time to see an attorney who specializes in Fair Credit Reporting Act violations.

When will someone step up and put an end to this?

Answer: The real problem lies with the big three credit bureaus, which are way more concerned with their profits than in the accuracy of the info they report...This creates opportunities for firms like AFNI to step in and post bogus negative info on credit reports to get money from you.

==============================================
FAQ: What to do if AFNI places bogus negative info on your credit report:

Send a letter to all three credit bureaus (preferably Registered Mail with Return Receipt) with the following request:

I do not recognized this alleged debt. Per the Fair Credit Reporting Act I am requesting that you validate this alleged debt. To speed things up, include a photocopy of your driver's license and social security card with each letter. If you don't include these items, the credit bureaus may write back and request this information, delaying your request by around a month

Under normal circumstances the credit bureaus should remove the negative notations. If they don't and write back that the debt has been validated, you have a fight on your hands.

If AFNI has placed bogus negative information on your credit files and one (or all) credit bureaus have come back claiming that this alleged debt has been validated as legitimate, you should:

#1) Send a Registered Mail with Return Receipt directly to AFNI, stating the following:

This debt is not mine and AFNI is in violation of the Fair Credit Reporting Act in reporting erroneous negative information to the credit bureaus that I owe this debt. If this erroneous entry is not removed from my credit file within thirty days, I plan to file official charges against AFNI with the Illinois Attorney General [note: AFNI is located in Illinois, so complaints would be filed in Illinois] as well as take other actions per my rights under the Fair Credit Reporting Act

#2) Send a Registered Letter with Return Receipt to any (all) credit bureaus still reporting this bogus negative information with the following request:

I am requesting the written communication between your firm and AFNI that led to validation of this.

#3) Keep your fingers crossed and hope this works. If the negative information is STILL on your credit files after these efforts, it's time to see an attorney who specializes in Fair Credit Reporting Act violations.

When will someone step up and put an end to this?

Answer: The real problem lies with the big three credit bureaus, which are way more concerned with their profits than in the accuracy of the info they report...This creates opportunities for firms like AFNI to step in and post bogus negative info on credit reports to get money from you.

==============================================
FAQ: What to do if AFNI places bogus negative info on your credit report:

Send a letter to all three credit bureaus (preferably Registered Mail with Return Receipt) with the following request:

I do not recognized this alleged debt. Per the Fair Credit Reporting Act I am requesting that you validate this alleged debt. To speed things up, include a photocopy of your driver's license and social security card with each letter. If you don't include these items, the credit bureaus may write back and request this information, delaying your request by around a month

Under normal circumstances the credit bureaus should remove the negative notations. If they don't and write back that the debt has been validated, you have a fight on your hands.

If AFNI has placed bogus negative information on your credit files and one (or all) credit bureaus have come back claiming that this alleged debt has been validated as legitimate, you should:

#1) Send a Registered Mail with Return Receipt directly to AFNI, stating the following:

This debt is not mine and AFNI is in violation of the Fair Credit Reporting Act in reporting erroneous negative information to the credit bureaus that I owe this debt. If this erroneous entry is not removed from my credit file within thirty days, I plan to file official charges against AFNI with the Illinois Attorney General [note: AFNI is located in Illinois, so complaints would be filed in Illinois] as well as take other actions per my rights under the Fair Credit Reporting Act

#2) Send a Registered Letter with Return Receipt to any (all) credit bureaus still reporting this bogus negative information with the following request:

I am requesting the written communication between your firm and AFNI that led to validation of this.

#3) Keep your fingers crossed and hope this works. If the negative information is STILL on your credit files after these efforts, it's time to see an attorney who specializes in Fair Credit Reporting Act violations.