09-03-2009 04:54 AM - edited 09-03-2009 05:02 AM
I have a collection account with AFNI. they have validated, but I noticed that it is not listed as a collection account, but rather in my revolving account area on the CRA's. I contacted them yesterday via email, and told them they are in violation of the fair credit reporting act (I may have stretched this a little bit ) and requested that they remove this TL imediatly. The email bounced around to a few people at AFNI ( i can track who reads my emails) and this is the response I recieved around 7pm last night.
Dear XXXXXXX, <----------- first name only? Are these people now friends? HAHA I think not!!
Thank you for your inquiry. We have received your dispute and are investigating. We will contact you in writing with the results.
Recovery Team │ Receivables Management
. . . . . . . . . . . . . . . . . . . . . . . . . .
404 Brock Drive
Bloomington, IL 61701
Hours: Monday through Friday 7 AM - 9 PM CST
This communication is from a debt collector. If this message is in relation to the collection of the debt, any information obtained will be used for that purpose. You have a right to inspect your credit. We are required under state law to notify consumers of the following rights. This does not mean that there are more or less rights afforded to a consumer in another state. This list does not contain a complete list of the rights consumers have under federal or state law.
Colorado Collection Agency Board in the Department of Law, 1525 Sherman Street, 5th Floor, Denver, CO 80203.
Minnesota This collection agency is licensed by the Minnesota Department of Commerce
New York New York City Department of Consumer Affairs license number # 1072175
North Carolina Permit Number 100517
Tennessee The collection agency is licensed by the collection service board of the department of commerce and insurance
09-03-2009 04:57 AM
09-03-2009 05:00 AM
all emails I send are sent using my gmail account and sent through Microsoft outlook. In MS Outlook you can request a read receipt, which will email you back each time someone reads the email. It also tells you the persons email ADDRESS which read it. this is VERY helpful because I have a lot of names to people in the recovery department with AFNI now. LOL
09-03-2009 07:03 AM
Midland and Palisades have always reported in the accounts section instead of as a collection on all of my reports. I've never been able to get that fixed with either of them. It's been extremely frustrating!
09-03-2009 07:07 AM
09-03-2009 07:10 AM
According the the BBB they actually have an A+ rating. What a shocker that is.
This is from the BBB website
Phone: (877) 403-0670
Fax: (309) 828-0931
Address:404 Brock Dra
Bloomington, IL 61701-2654
Original Business Start Date:January 1936
Principal:Mr. Ronald L. Green, President/COO
Customer Contact:Ms. Amy Crawford, Compliance Associate
Type of Business:Collection Agencies
BBB Accreditation:Afni, Inc. is a BBB Accredited business.
Additional DBA Names:Afni/Bloom
Anderson Financial Network, Inc.
Anderson Financial Network
Try calling the compliance department directly to work on this. That's worked for a few people as well. And google them looking for name of other employees you could contact via phone/email.
09-03-2009 07:26 AM
This is a copy of the email that I just sent off to the CEO and the Compliance officer at AFNI. Let's see what happens.
Dear Ms. Crawford,
I am writing this to inform you that AFNI is incorrectly and illegally reporting a debt to the credit bureaus. The alleged debt is being listed as a closed revolving account and not as a collection account as well as being noted as a 120+ day past due. As I am sure that you are aware, I have no consumer account with AFNI and therefore cannot be listed as past due or as revolving. I am requesting that this trade line be deleted from all three major credit reporting agencies and that AFNI cease collection efforts.