I have received two different collections letters from AFNI. One for Cingular and one from Sprint. I have requested in letter form, with certified return receipt, that they validate the debt they say I owe. I have since sent two letters per each collection letter since September. They have responded to my validation request by sending my letters stating I must give them copies of my drivers license, ss#, utility bill, lease/mortgage paperwork. They state they do not have ample information to confirm the debts and once they receive this information from me, they can conclude their investigation. Are they crazy!
Sounds like identity scam to me! By law, they are suppose to validate the debt if you reuest them to and they have 30 days to comply. They amounts are outlandish. AFNI-Cingular has filed collections for $1124.00 and AFNI-Sprint has filed for $682.00. They have not validated these debts and they continue to pursue collection activity via phone and listing with all 3 Credit Bureaus.
There needs to be a Class Action Suit filed against this company. They should not be able to get away with violating the FCRA they way they do. I plan on filing a small claims case in Houston and let's see if they respond then. They are currently hurting my FICO score!
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