AFNI Collections are a scam. They will damage your credit report without giving you proof of debt. I think I've covered ALL of my basis with AFNI. They requested I pay on an account I never had. I sent them a certified letter to validate the debt or remove off my credit report. They answered with a generic printout that doesn't even match the amount they claim I owe. I sent them another certified letter demanding that the remove the debt from my credit report otherwise they were in violation under the Fair Credit Reporting Act. They again responded with the same generic printout. It's been 2 1/2 months since my first correspondence with them and I am ready file a claim now in small claims court for the maximum allowed fine of $1,000. The problem is that I am in Denver Colorado, they are in Illinois. What do I do?
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