CA's reporting (AFNI)

[Intuitive1913]

Hello  everyone. I've been on the boards for a while but never posted. I had a question regarding several CAs reporting on the same debt? Are they allowed to do this?  Is there any way I can have one remove it so it's only being reported once?

Also, does anyone know much about AFNI - Bloom - I have a charged off account that's in collection with them from an old cable bill. But not only are they reporting that they are reporting 2 other items on my CR. Should I just DV all three and make them tell me what each are for?

Any advice would be appreciated.

[Anonymous]

Sorry but more info. is needed from you.

What is your SOL?

What is the DOFD or DOLA on the bills?    Are they within or past SOL.

If within SOL a simple dispute could cause them to file a lawsuit.

If the amount is low it would cost them too much money to go to court but it might not stop them.

[Intuitive1913]

Happy, I am in TX - SOL 4 years.  The DOFD on on the cable bill was 9/21/05, no activity since 12/27/05.

The amounts are

1- $276

2 - 329

3 - 133

All three state that they are with Charter Communications but I only owe them $276 and I have confirmed this with them. I have no idea what the 329, and 133 is. I sent a dispute letter to the CRA's and they all came back verified??  I'm so lost. I just dont know where to start.

[Intuitive1913]

bump

[Anonymous]

IMO, I would DV them. Have them tell you what each one is, and whether or not they are valid. The 329 could be with the interest tacked on from AFNI-but then I don't think they shouldnt have the original listed.... I have had good success with PFD'ing Afni, so if it comes back validated, for one of them maybe try sending a PFD when you can to get it deleted.

 Send the DV CMRRR and keep track of everything and the 30 day time frame.

[Anonymous]

You are still within SOL   because of the dispute they know that you are aware of it. Be ready to pay.

Send all CAs  a DV  CMRRR

[ngerasimatos]

Do a search for "AFNI" as there is a multitude of available information.

[Intuitive1913]

Thanks. I'm going to get those DV letters out to AFNI this week.  I doubt that they can validate two of the accounts. I have no IDEA what they are myself. So we shall see. Thanks for the advice.

[Intuitive1913]

Yeah these small collections that are within SOL I'm aware of and ready to pay ONLY if they accept a PFD. Thanks Happy!