Afni, Inc. Cont'D Attempts Collect Debt Not Owed Complaints

Review and analysis of over 518 complaints against Afni, Inc.

Afni, Inc. consumers have reported over 518 official complaints related to Cont'd attempts collect debt not owed. Out of the 518 consumer complaints against Afni, Inc., 14% were disputed by the consumer (i.e. the consumer was not happy with how Afni, Inc. responded to their complaint) and 100% were processed in a timely manner. 0% of consumer complaints against Afni, Inc. resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 0% resulted in non-monetary compensation.

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New Cont'D Attempts Collect Debt Not Owed Consumer Complaints


Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

May 17, 2016 - The IRS reported my info hacked in -. I looked at my credit report on - and saw a collection notice for a - account I never had. I disputed it and it was removed. Now I have received a letter and phone calls from this outfit Afni, Inc. of -, IL. Evidently this is the standard operation from the number of complaints I quickly found....

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

May 14, 2016 - I continue to get bills from AFNI for $1100.00 for an - - - - account that was paid through a back and forth dispute between - - - and myself. The account was already handled by - - , - who continues to call me and leaving messages or hanging up 2-3 times per day. I did make a complaint to the CFPB and explain that the account was taken care and paid through another collection company - - in - -. I have been in dispute with the original creditor and have an ongoing case open with the FCC against - - -. AFNI Inc. has continued to report inacc...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt was paid

May 13, 2016 - I was contacted by AFNI collection company thru a letter stating that they were willing to accept a settlement on my - account for half the original amount I paid the settlement amount and then requested a letter stating that I was paid in full and no longer owed any more money, I was told by the AFNI customer service that it takes 120 days for their system to update and I would not receive any letter until that time but only 7 days after I paid the settlement amount I receive an alert from - stating I have a change in my credit I was sure it was AFNI updating my account to - balance....

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

May 10, 2016 - - sent the wrong internet equipment and when i didnt use it they charged full price and wouldnt take the equipment back. When i attempted to buy a home a sent a settlement pay of - just to clear my credit and the transferred it to a collection agency. The payment was supposed to be forwarded to the right people but was " lost '' in the mail for months. I finally stopped payment which cost extra they somehow found the payment and sent it back to me. I had a lawyer notify the appropriate dept and the entry was removed from my credit....

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

December 14, 2015 - Received a collection letter for a $970.00 balance of a - account. I 've never had a - - Account. ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt was paid

December 4, 2015 - AFNI has put on my credit bureau for - - - - about owing $450.00 which was settled -/-/- and proof of this was sent to - - - but it hit my credit report from this company as if it was done just -/-/-. Which is not true. Also this company has called and left automated messages that have left my account number on my family 's answering machines with no company name or phone number to call back. no phone number comes up on caller id either. I have pulled my CBR and it shows that this company is not even reporting. I have placed disputes on my credit bureau for thi...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

December 4, 2015 - Trying to collect a debt for - - account which I successfully challenged back in 2013. - attempted to collect a debt but was actually revealed to have over billed me and ended up sending a refund payment of - dollars to me in this matter. This is a bogus debt. ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt was paid

December 3, 2015 - the debt collector called me last 2 months ago in paying off my account. and i already make the payment. but they did n't close the account and now i recieved collection payment from different company. ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt was paid

November 27, 2015 - AFNI has once again started to collect on a debt that I have disputed and have been proven to be settled/paid with -. today I received a letter and I called AFNI. The agent stated that they never have had this account and I told him that they removed it from my credit report on - -, -. He refused to listen to me and said I to pay it. - is billing for cancellation of my contract. At the time I cancelled, around - of -, I went into - to complain about the lack of service I was receiving in the new area I move to. The agent said their was nothing they could do about the se...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt was paid

November 20, 2015 - I changed cable providers and paid what I thought was the finale Bill. Was contacted by - credit about an outstanding amount owed to -. The amount was -. Contacted - and asked if this would pay the account in full, and I paid it to the original creditor. Now some company named AFN I, INC has purchased this from - - and is reporting this as a new collection on my credit bureaus. ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt resulted from identity theft

November 10, 2015 - Someone in Illinos is using my social secuirty number. I sent a questioner to AT & T and they then sent it to a collection agency, they told me to report it to my local police department and send them the file number, which I did. That collection company has now sold it to another company and I answed in a letter to them what had transpiard and that they should not contact me again!! which they have. I call and tried to explain that they had bought a bad account he responed he would see me in court!! What do I do about this harrassement? ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

November 4, 2015 - i never had or owned a - phone or - due to my living arrangements i did not have all my information and a lot of my personal belongings where not given to me or thrown away. ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt resulted from identity theft

November 3, 2015 - debt is not mine had it remove before and they re age the debt so it show up credit report as a new debt and reporting a date of open of - - 2015 and the debt should have a later date then that ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt resulted from identity theft

November 2, 2015 - From - or so of -/-/- I had noticed on my - - - bill that there were - to - extra lines added. I called and was put in touch with the Fraud department through - - -. It was investigated and the lines were fraudulently added out of Louisiana. All charges erased/cleared. I receive calls and letters from ( - ) - - - about $2200.00 being owed. I explain and they still say I owe this money. Then after another notice from ( - ) - they try and collect this same amount, I explain once again. Then I call - back, they inform me once again I do not ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt was paid

October 31, 2015 - The debt for internet service that was settled and paid over 6 months ago is still listed on my credit report as a collection account. ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt resulted from identity theft

October 30, 2015 - The Collection Company : AFNI- - - - -, - - -, IL -Telephone : - calling and sending collection bills to my house for a debt they said I owe to - They are collecting $4400.00. I do not owe any money to - - -, I have never had business with - - -, and I want that AFNI company to stop their attends for collection. I recently returned a bill to AFNI and told then that I do not owe money to - - -, and to fix the delinquency report they submitted to the Credit Report Companies ( - ). The situation is that around - 2013, someone...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

October 30, 2015 - I was using - - as my provider. At a point the recorder in my home would fill with unrequested shows preventing me from recording what I wanted to record. I called - - they sent out a - and he worked for 3 hours and finally replaced the recorder. In about 3 days the new recorder did the same thing. I contacted - - and they said it was a software problem they would not come out and could not give an estimate on when it would be corrected. I told them if they could not supply the service I contracted from them, I would have their service replaced. I then got - -. After...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

October 26, 2015 - received a letter from afni stating that they were debt collecters and I owed a bill to - for over - dollars. I contacted - to make sure and I do not owe any bill. ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

October 26, 2015 - There is a 'collections ' open under my credit report with name AFNI and original creditor - - - for $250.00. I have no idea why is this amount pending under my name and what I need to do to get rid of it from my credit report. I never had this account and I do not owe - anything. ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

October 26, 2015 - Checking my Experian credit report last week, I noticed that there was " key derogatory '' on the report. A collection agency, AFNI , Inc, filed a key derogatory report stating that I have an outstanding balance of $1800.00 for a debt owed to - -. However, I have never had any type of service or business relationship with Dish network. I have disputed the report with all - credit reporting agencies. I also called AFNI to try to clear this issue up. After spending all weekend and today ( Monday -/-/2015 ) filling out online forms and waiting on hold to speak to a representative...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt was paid

October 21, 2015 - - has continued to persue me over a debt that has been resolved. I have told them over and over that I have settled the debt but they still keep sending my account to collections. I have the settlement letter and the credit bureaus comments on the account stating the account has been settled in full. ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt resulted from identity theft

October 17, 2015 - A account was opened in another state when I was - -/-/-, When I called Dish network and told them about it. it was removed. Now here -/-/- they come back saying it was for my address which I never had account with them in amount - and change. I sent a police report and stuff to everyone -/-/- that several accounts where open when I was deployment. No one was living at my house at the time. So no -/-/- they keep sending it to different collection agencies even after I talked them and agency returns the account back to after looking at the dates. and all - - is s...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt resulted from identity theft

October 13, 2015 - I do not know anything about this debt collection coming from Afni, Incorporated. - - - - - - -, - -. - - , - original creditor. ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

October 13, 2015 - On my credit report, afni posted a debt -. I currently - so I spoke with - They told me that I am current and they do not show anything that has been sent to a credit agency under my name. I told this to afni but they continue to report it. I have all of my - statements since -/-/2014 that I can access online also. Even though I had uverse longer than that, they only post a certain amount of statements online, each additional would cost me $5.00. ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

October 13, 2015 - I requested - to provide my home with TV service. The package I requested was not available in my service area. I immediately requested cancellation. They said that I was legally obligated to a 1 year contract. I never signed a contract. They said that I would also have to pay for the equipment they provided if I did not return it to them at my expense. I placed the equipment in their original boxes on my porch and informed - that they could pick it up any time. They declined. - then turned my credit information over to a collection agency who placed a collection on my credit bureau. ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

October 11, 2015 - Afni is reporting an account on my credit report that does not belong to me, and it severely damaging my credit rating. I mailed a letter to them requesting information regarding this debt, and did not receive a response. The acct # as listed on my credit report is -. ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt was paid

October 8, 2015 - I paid off an Afni - account -/-/- the original dedt -/-/- they told me if I paid then they would remove it. I have done several disputes and they continue to change the date of last activity. They are doing this and its wrong. I had a head injury I am on - and I feel they are exploiting me. AFNI - - - - - T - - - - - - - - : PREVIOUS STATUS - : PAID ACCOUNT. ZERO BALANCE- : ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTOR 'S INTERNAL COLLECTION DEPT- : ACCOUNT INFORMATION DISPUTED...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

October 6, 2015 - The debt collector has repeatedly called and sent messages. i have responded in writing on five separate occasions. the collector alleges that i have a debt in excess of a $1000.00 for subrogation of an insurance claim from an auto incident that occurred in -/-/- in - -. There was an incident but the police determined that there was no liability and that they could not assign fault and clearly stated that each insurance company should pay the damage ( mine was a rented car and - - covered the damage to my car ). neither the police nor any court made a determination of liabil...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

October 4, 2015 - I had - for my television serivice and the payment was suppose to have been taken off my credit card. I also had - for internet service. - turned my tv off 5 different times over non payment. I told them it was suppose to be taken off my credit card. They told me to contact - which I did. - told me to contact -. It was back and forth and for some reason they could not resolve the issue of turning my tv off. After the 5th time I told them to take the - thing out and got - and have never had any problems. I explained to the collection agency and also contacted direct tv a...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt was paid

September 30, 2015 - About three weeks ago I received a letter dated -/-/- from AFNI debt collection. Demanding payment to -. This debt had been settled through - - -/-/-.So I call AFNI at -/-/- on -/-/- and spoke with -. He said he did not want to hear anything 'just get out you credit card and pay '. He refused to give me he last name. After - settled this debt, - - - - - Demanded payment on the same debt on -. I brought the matter to your attention. And - -, - investigated and apologized. Now here comes AFNI to collect on the same debt. Please help m...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

September 28, 2015 - Afni Collections Agency reported false information to - and destroyed my credit score. They never bothered to contact me about any of this. I only realized the issue after my credit rating dropped - points. After calling them, they explained that the account was not even in my name. It turns out that Afni reported someone else 's delinquent account against my credit history. This is a clear case of defamation of character and Afni should be held liable. ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt was discharged in bankruptcy

September 26, 2015 - I have sent - letters explaining that the debt was discharged in bankruptcy and have received another letter offering a settlement offer. The creditor also states there could be additional payments made on the claim that I could be responsible for and will notify me as soon as they become aware. ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

September 26, 2015 - I had a phone account with -. As I was traveling abroad frequently I requested them to charge only to keep my number active. They did ask me to pay $20.00 per month for one or two months and then refused to do any extension. so after two months they started to charge regular amount of $ 52.00+change, I then called them to disconnect my account and sent them my final payment of $ 52+change. They did not cancel my account and kept billing me for next two or thee months. When I called them why are they still sending me bills, when I had canceled this account. There reply was that they have n...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

September 25, 2015 - In 2012 I helped my son obtain - - by using my credit card because it was required and he did not have one. Thereafter, he let the account get in arrears and so it was charged to my credit card. I notified my son of this and he took all of the equipment which belonged to - - to the - - in -, Texas and paid the bill and - - took the charges off my credit card and I then closed the credit card. Then later my son decided to keep the services of - without any help from me or use of my name or credit. Then once again he got into arrears with - and moved away without...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

September 20, 2015 - I checked my credit report and apparently this company AFNI a debt junk buyer, purchased this debt from another collection agency called -. AFNI has re-aged this collection on my credit report and has never sent any notices to me regarding this debt. ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

September 19, 2015 - There is an - - - debt collection for $550.00. The debt is from a home I lived in with my parents when I was in high school. I have the same first and last name as my father. There must have been a mix up with tagging me with a collection that was intended for him. I never put any - - - service under my name ever and especially not as an - year old kid. If the company would logically look at the dates of the collection it makes no sense that it could be my debt. As I spoke to the collections agent he explained the debt was from -/-/-. This was only a month after my ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt resulted from identity theft

September 16, 2015 - I contacted AFNI in regards to this debt with - - - that appeared on my credit report. At the time they state that this debt occurred I was only - years old and have never had phone service with - - - and someone must have used my information to establish service. ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

September 13, 2015 - Harassing phone calls, multiple phone calls, calling and disclosing personal information to relatives, this debt is not mine. ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt was paid

September 11, 2015 - Last month this company received a check along with a letter from me to pay off a $77.00 debt the had reported on my credit report. The letter specifically stated that they were to only cash the check if they would go on to delete the account from the credit report and if this was not acceptable to them they were to send me the check back. ( see attached copy of letter ) In addition, I had also write on the the check 's note section cash only if you will delete account from credit report '' ( see attached copy of check ) The company violated the implied agreement and cashed my check and fai...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

September 11, 2015 - Over two years ago - - began sending a past due '' bill for aroound $50.00 to our address. ( We have had - for over 5 years ). It was addressed to our son - woho has lived in - for over 17 years and has never lived at our aderess. We contacted - and they said it was a mistake and they would correct and delete the charge.Over two years later we are still being harassed by bill collectors. ( The latest is - ', - - - - - - - - - - - IL -, ( - ) -. The bill is now $ --In the process we have complained, our son has complained, ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt resulted from identity theft

July 17, 2015 - 5 years ago my identity was stolen. - opened an account for the person who stole my id. $200.00 was charged in telephone calls. When the bill was not paid, - contacted me. I did not know my id was stolen. I immediately filed a police report with - - Tn police dept. I filed a form with - to explain that my id was stolen and sent them a copy of the police report. 2 years later - attempted to force me to pay the debt through a debt collection company. I again submitted the police report. Now 5 years later and - is again demanding payment through their debt collection compan...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt was paid

July 15, 2015 - This debt was transferred to another collection agency and I made arrangements with the to pay it of. When I found out this item are been out to another agency I was surprised and made arrangements with them to pay bill. It was pain. ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

July 14, 2015 - Received a letter trying to collect $210.00 for - - services. Letter was sent to my address, but addressed to someone else. I have n't had - - for over 15 years, and when I contacted their customer service, they told me the account number in the letter does n't match my information. ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt resulted from identity theft

July 13, 2015 - Someon stole my identity and use my name and got some phone in my name and it wasnt me .Please get this remove out my name. ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt was paid

July 7, 2015 - A company named AFNI called me and stated that they were collecting a debt for - - -. I have not had an account with - - - for many years. I looked online and found several posts about AFNI attempting to collect fraudulent debt. I called - - - and they confirmed I did not have an outstanding debt nor had they reported me to a collections agency. ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

June 29, 2015 - - charge me for service and product for that they erroneous duplicated. They sent me - modems and - different phone numbers. - I used for year and half and other modem I sent back. I have tried to get this corrected since the service started om - of 2013. They claimed I owe them $350.00 for service I never had. ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

June 26, 2015 - This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT! ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

June 26, 2015 - This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! THIS IS NOT MY DEBT! ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

June 25, 2015 - i never had this account i tried to contact the, m but run around. my score is so low because of this .why and i need to do something about this now. thank you ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt was paid

June 25, 2015 - -/-/- :. I sent a check to Afni for - for an account that was sent to collections by -/-. I got another letter for a bill for $59.00. I sent a check. Both checks cleared in -/-/-. -/-/- : I was trying to get service with -. I was told that I had a past due balance of $59.00 from -. I sent cancelled checks from my bank showing proof that this account was paid in -/-/-. I thought the issue was resolved because - at - investigated my account and informed me the payment was applied to another account. -/-/- : I got a copy of my credit reports and t...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

June 24, 2015 - I SENT AT THE END OF - A LETTER TO THIS COMPANY REQUESTING THEM TO STOP HARASSING ME AND TO TAKE THIS ACCOUNT OFF OF MY CREDIT REPORT DUE TO IT NOT BEING MINE ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt resulted from identity theft

June 24, 2015 - - of weeks ago i happened to check my credit report and i realized that it had addresses that i have never lived, several activities that i was unaware of. - activity claimed i had service with - and did not pay my bill, so - passed on that debt to debt collector - - - '' amount of $1100.00 under - account number -. I filled a claim with CFPB to - - - with explanation that i had never had - services and my identity was compromised. After a few days of investigation account was recalled by - and closed on -/-/2015 agreeing that it was fraudulen...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

June 24, 2015 - This debt is not mine and has previously been removed from my - Credit report. This company AFNI '' continues to keep putting this collection account on my credit reports even after the have failed to provide proof this account belongs to me. In fact they have deleted the collection account on my - credit report then they resubmitted it on my - credit report. I disputed it on - credit report # -, but - stated it was verified by AFNI to be mine, but - companies have failed to show how it was verified and refuse to show proof this disputed account belongs to me after severa...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt was paid

June 16, 2015 - I had an account in 2008 with - and before leaving I paid and return and necessary equipment and now they are saying I owe them a bill. I do not owe them when I left the company I had a zero balance and they waited until now to report this inaccurate information on my credit file. ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

June 16, 2015 - When I changed my residence, I tried to transfer my internet account from my old residence to my new. I called -, and requested a transfer. Instead of doing what I requested, they opened a new account and left the old account active. I did n't realize this at first and started receiving notice for late payments. I would pay them, thinking I had made a mistake, and the next month I would receive a late statement for the alternate account. Many months later I realized the different account numbers, inquired to find the issue, and called the company. After many phone calls and emails, my compl...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt was paid

June 12, 2015 - I am a victim of Identity theft. Someone open a - - account using my SSN.in another state. When I looked at my credit report there was an account that went to collection for $1200.00. So I call AFNI and told them that this was not my account. They gave me the information that I needed to do to file a complaint. At this point I was very upset because I have been trying to get my credit score up for sometime now. So I thought that they were trying to help me so when she asked my for my address, I said why do you need it and she said that they needed it just in case they found out somethi...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

June 9, 2015 - Afni - has failed to respond to my letters. I have requested validation of debt and requested any sign instrument of alleged collection. Till this date i have not heard from Afni and they continue to report it on my credit report. ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt was paid

June 4, 2015 - I have been disputing acct # - from - -Back in - 2015 - had this account # - and I made a settlement offer of $320.00 owning no more. I guess communication was lost between them and -. - then sent me to another 3rd party named Afni acct # - saying I owe $130.00. I spoke to numerous people from afni and they said to send an email that states that I did a settlement with - sent very letter that will be attached with this. I Then called - at - - on -/-/2015 and spoke with - - - -He was very confusing and had said he 'd wave all this as ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

June 2, 2015 - AFNI is on my credit report again, after being removed, and have had been made contact with. I do not owe AFNI nor the company that they are claiming to represent any money what-so-ever. This company needs to leave me alone! I Want them removed from my credit reports in less than - hours. ...

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Afni, Inc. Debt collection cont'd attempts collect debt not owed debt is not mine

June 2, 2015 - -- debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my - mortgage which I have been diligently addressing my credit so that i would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information. ...

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