CFPB Complaint

AFNI INC. – CFPB Complaint ID 2582410

Consumer Complaint Submission

Date Received: 2017-07-22T00:00:00

Product: I do not know

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: The company AFNI , Inc. has reported that I owe an amount of {$230.00}. AFNI claims, and is reporting on my credit report, that it was opened in XX/XX/XXXX. Supposedly, the original creditor is XXXX. I have asked for proof that the debt is mine on various occassions ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I have notified the credit agencies and had it removed from both XXXX and XXXX. However, XXXX continues to say that is a valid debt, when I ask for proof I am sent a generic spreadsheet printout with my name on it and no details of any account. Furthermore, the only time in my life that I have had XXXX was between XX/XX/XXXX and XX/XX/XXXX. I filed bankruptcy in XX/XX/XXXX and it was discharged in XX/XX/XXXX. The account with XXXX was closed prior to my bankruptcy ending. Therefore, it was included in my bankruptcy and even if the supposed debt was not included in my bankruptcy it would have already passed the 7 year statute of limitation for being reported to my credit and the four year Florida statute of limitation on written contracts ( of which no one has ever been able to provide one ). AFNI continues to ” re-age ” this debt on credit report and refuses to remove it despite the fact it is eroneous and not mine.

Company: AFNI INC.

State/Zip: FL 332XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2582410

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