AFNI has been trying to collect $160.51 from me since December. AFNI has violated the FDCPA by failing to contact Sprint and verify that the account was paid in full in early 2004.
I have disputed this collections activity with AFNI on at least 4 occasions (several times in writing.) AFNI has only responded to my dispute on 1 occasion. AFNI's stance is that they do not need to contact Sprint to verify the debt.
I have kept written documentation of dates, names and times... But have been unable to AFNI to drops it claim. I am now filing with the FTC, Arizona Attorney Generals Office.
Nothing seems to work. These guys insist that a copy of my original bill from 2001 is sufficient to meet the verification standard. However, ANY Sprint representative will tell you the account is paid in full.
Sprint is willing to verify the zero balance verbally, AFNI refuses to contact Sprint stating that the debt is valid and it will remain on my credit report.
I am preparing to refinance my house and am very worried, do I pay the money which I don't owe and have a paid collections item on my credit or do I continue to fight it and have an active collections item on my report.
AFNI really has violated my rights as a consumer and if they would ONLY call Sprint they would find that my account was paid in full in early Feb.
Please help.
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