Afni, Inc. Had at one time several different Alltel accounts and Shell-Citi accounts on my credit reports totaling over 10,000. Each of these accounts had different account numbers, different dollar amounts, and different date accounts opened, and different accounts reported to dates. I had filed disputes to the CRAs with no resolution at all. So I started doing my home work about my rights. I wrote to the FTC and my States Attorney Generals Office. There I got some help, well for a minute. Yes the accounts previous were removed, I was sent an apology letter for the Alltel accounts and they were removed.
No apology letter was sent for the Shell acounts but they disappeared. This all happened 8/28/07. Well after the dust setteled, I check my credit reports again and as of 10/8/07 I have two new Alltel accounts on them. One stating it was reported 10/8/07 and one stating the account is 120 days late. I must have ESP... So again I have written my Attorney General and am waiting on a response. This company has yoyo'd me into the ground. They talk to me like dirt and previously when I talked to them about the first accounts that were reported to my CRAs I abviously made the representative mad because within a week they had a Shell account listed as 120 days late. These folks are running a more than illegal operation and the leg work I have had to go through to stay one step ahead of them is beyond trying. I would be more than happy to join a class action lawsuit against this company. They have completely destroyed my mental status, I cannot focus on much because the anger from this is running in the back of my head. I cannot believe I cannot stop this.
What really sends me for a loop is after they get a letter from the Attorney General and FTC and the other accounts are removed they have the nerve to make new accounts and go as far as to say they are 120 days late. They are afraid of no one obviously and think I would just assume my problem was fixed and I would never in my life check my credit again. I check my credit report daily if not every other day it's become a compulsion because I never know what they are going to do next. It is time for congress to take action our state senators something, someone needs to take action against these people. I was recently told by the AFNI representative that the Attorney General did not send a letter with these newest account numbers on them so that is why they are there. Can you believe it!!! Number one when I wrote the Attorney General these new account numbers were not on my credit report. I was also told they did not have to validate anything and that no one had anything with my signature on it. It is worth it to me to pay a few dollars a month to have instant access to my credit reports, just think if I did not ever see this problem. I am very thankful I dont need a new car or a place to live because at this moment I am not sure I would be given one my beacon goes to 590 to 650 to 620 to lower then back up to 691 and then down to 657 and so on and so on it changes about every two weeks. Depending on the day I would be turned down for credit. Well good luck to all with this company, your gonna need it.
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