Afni, Inc. Debt Collection Complaint

Afni, Inc. Debt collection department,

Other (phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Ohio

Issue descriptions shown- Debt is not mine is closest to describing the situation. There is NO debt. Alleged creditor is -. Purchased phones from - - 2013. Not satisfied with service. Returned phones within 10 day satisfaction period. - attempted to collect $320.00 for termination. At first attempted to not allow portage of phone numbers to -. After 3 1/2 hours at -, vendor in store was finally successful in accomplishing this. When I requested for - to provide a copy of the contract proving the debt was valid, they did not. After attempting for several months to collect by making harassing phone calls, - turned the $320.00 amount to an initial debt collector. This debt collector actually sent written communication about collection. I requested that they provide written documentation that the debt was valid ( any documents such as a contract ). Just like -, they did not. This debt collector then apparently sold the alleged debt to another collector- AFNI. I did not receive any written communication from them about collection. I believe this may be in violation of the FCRA. They made several harassing phone calls. I requested that they provide written notification about attempted debt and


requesting that they provide written proof of the debt. Instead, they have added this item to my credit report and show it is in collection. As well, it is showing in the report that they have turned it over to attorneys for collection. I believe this may also be a violation of the FCRA since it is merely an intimidation ploy. Based upon complaints I have read about AFNI, they are unscrupulous in their methods and have many violations of the FCRA on their record. They added it to my credit report without providing any written documentation about the collection OR written documentation showing proof that the debt is valid. They add it to a credit report as leverage to collect the debt and did not act either ethically or legally. My credit score was - prior to this item. I have had only - missed credit card payment due to a delay in the mail on my report prior to this. It is now down to - because of this item. I disputed it and Experian indicated that it is valid. I am not sure how AFNI was able to prove that it was valid since they have never communicated with me via any written form. I would like to have this item removed from my report entirely and also pursue legal action against AFNI due to violations of the FCRA. Please advise. Thank you.