New Member
calfbrand12
Posts: 4
Registered: ‎10-10-2012
Sharing my success since starting this journey 10/10/12--and also need advice

I started getting serious about reparing my credit after years of ignoring it on 10/10/12 when I applied for a car loan through my credit union and was told I would not be approved because my credit score was under 600. It was 599 through EQ. I was dissappointed so starting looking online and I am so thankful I found this site!!

 

So far I have sent 3 PFD letters and out of those 3, I received two letters back stating that "per their clients request, they are closing this account and will delete all information previously reported to the bureaus". (Yay!). The 3rd one accepted my PFD settlement offer at 20% of the original amount (orig amount $600) so I have paid it and it was deleted immediately.

 

The 4th one is AFNI. I know many people on here have had issues with them. I sent them a DV letter because I have never had a verizon account in my entire life and apparently verizon was the OC from 2005. I never heard back from the letter which I expected. So after reading the posts about AFNI I decided to send an email to them, thought it may be worth a shot. I recieved an email back immediately stating they are unable to locate the account in question. I corresponded back and forth with them yesterday and apparently this collection is in someone else's name, which is a similar name to mine. I told them there is obviously a mistake because that person is not me.  So they then asked me to call customer service to discuss the matter. I called and almost immediately they starting asking for my SSN, etc which I told them I am not willing to give this information over the phone and if this debt is truly mine then they should already have my information. They also stated that without a complete account number they would not be able to help me. I explained that the only account number I have is the one listed on my CR which omits the last four numbers. The Rep was rude despite my politeness so i knew I would get no where with her.

 

This morning I replied to the last email from yesterday and stated:

 

Hello,

 

I called the customer service number at your request. The representative stated she could not help me because I do not have a complete account number therefore she would be unable to help me at this time. I informed her that I had been communicating via email today about this issue and was asked to call customer service regarding the account.  She asked me to verify my SSN which I informed her I am not willing to do over the phone. She stated without me giving that information, she would not be able to help me and recommended I reply to the email to let someone know what transpired during the call.

 

I am not sure how to handle this situation from here.  I have never heard of this company before, never received any correspondence from this company, never had an account with verizon, and now no one can explain to me why this information is showing up on my credit report.  As I have previously stated, under the FDCPA I have the right to request the validity of this debt.  I request that AFNI prove that I am indeed the party who is contractually obligated to pay this debt.  Reporting invalidated information to major credit bureaus violates Federal Law.

 

I would like documentation proving AFNI’s ability to collect this alleged debt from myself, A.M.  I would appreciate a response with a recommendation of how to proceed.

 

Regards,

A.M.

 

I recieved this email back this morning:

Dear A.M.,

Thank you for your inquiry.  You can call XXX-XXX-XXXX to speak with a Consumer Relations Specialist regarding the account.

 

Customer Relations Specialist

Recovery Team │ Receivables Management

 

So my question is, how do I proceed from here? The number they are asking me to call now is a different one from yesterday. After reading the posts here, everyone states to not have phone conversations with the CA and that there needs to be a paper trail. If I call back, they are going to ask for my SSN, etc which again I am not going give over the phone. What should my next step be? Any advice would be appreciated!

 

Sorry this is so long-winded but wanted to give as much information as I could so hopefully someone can point me in the right direction.

 

Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
Re: Sharing my success since starting this journey 10/10/12--and also need advice

Congrats on the deletes

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
Re: Sharing my success since starting this journey 10/10/12--and also need advice

Where did you get the report from?   You say the last 4 digits are left off.  Have they ever mailed anything to you?  Have you tried pulling your report from www.annualcreditreport.com?   They sometimes have more information.   Oh, and congrats on the other deletions.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
New Member
calfbrand12
Posts: 4
Registered: ‎10-10-2012
Re: Sharing my success since starting this journey 10/10/12--and also need advice

I pulled all three of them from annualcreditreport.com.  I just don't know the best way to proceed. If I return the call am I correct in not giving them my ssn, etc over the phone? I have already requested documentation from them proving they have the right to collect the debt from me but I have gotten no where.

New Member
calfbrand12
Posts: 4
Registered: ‎10-10-2012
Re: Sharing my success since starting this journey 10/10/12--and also need advice

Sorry, I forgot to mention that on all 3 reports, the account number was the same with the last 4 numbers omitted.

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
Re: Sharing my success since starting this journey 10/10/12--and also need advice

I personally wouldn't give them my ss# either.  They should be able to look it up with your name.  Chances are they don't have the ss# of the person this account actually belongs to either.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Contributor
diabla
Posts: 230
Registered: ‎10-01-2012
Re: Sharing my success since starting this journey 10/10/12--and also need advice

So am I reading this right, that they have not responded correctly to your DV?  Unless I read it wrong, have they sent you the account information showing it was yours?  It hasn't been quite 30 days yet, almost.

 

What are some of the techniques others have used to get rid of them?  If you see that others have successfully used BBB or CFPB, then you can try that too, but I think you have to give them the full 30 days?

 

Definitely don't give them your social or anything else!  I wouldn't talk to them by phone either.  They can be very tricky and intimidating and might trick you into agreeing to something.

 

I'm not 100% accurate on the DV process, but make a checklist and make sure you are following that process exactly and start counting them down, then move on to the next step.  Don't entertain those clowns.

Moderator
Shogun
Posts: 12,952
Registered: ‎04-15-2011
Re: Sharing my success since starting this journey 10/10/12--and also need advice

Do they even have your address?   Since you say this is mistaken identity, they may have validated in writing, just not to the right person.  It can get confusing when dealing with this sort of thing.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
New Member
calfbrand12
Posts: 4
Registered: ‎10-10-2012
Re: Sharing my success since starting this journey 10/10/12--and also need advice on AFNI

I really appreciate the responses. They do not have my address that I am aware of.  I have lived at the same address for 8 years and have never recieved anything from them. They have not responded to the DV but after reading the other posts about this company, it doesn't appear that they ever respond. When I called yesterday and gave them my name and the partial account number I found on my CR, they said they could not locate anything. That is when they started pushing for my SSN which I wouldn't give. My thoughts on this are, if they are trying to collect money from a debt that actually belongs to me, then they should have my information, bottom line.

 

They will not respond to any emails now, they just keep sending the same response back stating I need to contact a customer relations specialist.

 

So obviosly since it would not be wise to get on the phone with them, I know I should wait out the full 30 days from the original DV, but then what should be my next step?

Regular Contributor
Rlandon87
Posts: 153
Registered: ‎10-03-2012
Re: Sharing my success since starting this journey 10/10/12--and also need advice
This seems so simple... But maybe I skimmed too much.

If you have an email from the OC stating the debt Is not yours and in belongs to someone else with a name similar to yours-- send a certified dispute letter to all 3 bureaus, describe the situation, include the email conversations particularly the part where they stated the account is not yours.

Ask the 3 CRA to delete all tradelines associated with this account.

It's not yours.... So it shouldn't be reported.

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