Guys, Please help.... Who in the hell is this: "AND FIN NET" I know they are a collection agency but I need their full name. Thanks.
Geez, and to think just yesterday I was contemplating a post catering to your narcissism, just so you would follow me blindly. Ugh.
Thanks so much.... I have a slam dunk case then. *AFNI* These *holes never validated this account and it's been over 45 days. Today they show up on my credit reports. FDCPA VIOLATION. They didn't not validate this account yet decide to throw it on my reports FCRA violation 2. There website says "Maintaining strict FDCPA and FCRA compliance, as well as consumer data confidentiality, is standard operating procedure." We'll see if the judge agrees with that statement. *Credit Bureau* This account has already been deleted by the CRA's because it is NOT valid for one. Anyway, it's been reinserted with a new account number and no reinsertion letter has been sent. FCRA VIOLATION 1 AFNI web site sucks anyway these guys must be a joke. Intent to Sue goes out by Fedex on Monday.
Maybe I'm still to asleep and my brain is missing something but how do you request validation 45 days ago from someplace you didn't know who they were? 0
I don't think he recognized the shorthand name for it (And Fin Net) on his CR. Rang a bell when he got the full name.
Same thing happened to me with this company. I asked for validation before the account was inserted on my credit reports. NO response. Then I pulled my reports this weekend and the account appears with ANOTHER ACCOUNT NUMBER. I am thinking about going straight for the intent to sue.
I'm gonna sue. No doubt about it. I'm sick of these freaking A$$hole CA's that don't comply with the law. Then I'll use the award money to pay whoever it is they say I owe with THEIR money and send them a thank you card.
I just had a tradeline from these guys appear on my EXP report..score dropped 34 points, here we go again.
bump i am having issues with AFNI too .. it's really aggrivating that they change their name on different credit reports! whatever came of this? did you sue? tboy
Re: Re: And Fin Net I sent intent to sue via fedex. They settled at my requested amount. They Fedexed me a check which I spent on my car (muahahahahaha). Tradeline was removed nor do I have to ever pay it anymore and it won't be sold again. It's history.
Re: Re: Re: And Fin Net that's awesome dude ... i noticed a TL from them in April or so and disputed with the CRAs. i had never received any communication with them so was shocked to see it on there. TU dropped it. EQ and EX verified. I sent letter of validation on the 25th last month .. green card says they got it on the 29th. haven't heard from them yet. i requested a PR from EX earlier this month. They sent me a canned letter with none of the information they should have sent. I called EX and they told me they verified through automated system (isn't this a violation that they didn't send me appropriate info in response to PR?). I sent another PR to EX as well as request for reinvestigation based on further documents (photcopies of my letter to AFNI asking for validation). After asking for a PR from EX, the status on this TL changed to NO STATUS. I see today that it is marked as CLOSED account, and NO STATUS under Payment status and $0 owed and $0 past due! should i send estoppel after their 30 days are up? thanks toby
