I never received a letter, never received any phone calls and then my credit monitoring company says I have a new derogatory account. I go look and it's this AFNI company saying I owe $51 for a Qwest account. My phone is through Qwest it's still connected and works fine. They couldn't tell me anything without giving my SSN, which I wasn't about to give out, especially to some guy that barely speaks English. I will be following up with Qwest, BBB, AFNI, Experian and anybody else that can stop these ruthless people from ruining peoples credit.
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