Product: Debt collection

XXXX XXXX Afni , Inc . 
XXXX XXXX XXXX XXXX, IL XXXX Subject : Formal Dispute of XXXX XXXX Account # XXXX and Afni XXXX XXXX Account # XXXX To Whom It May Concern, I am writing to formally dispute the charges and ownership of the XXXX XXXX account XXXX XXXX, which has now been transferred to Afni, XXXX for XXXX XXXX account # XXXX. 

While I initially authorized the creation of an account, I have not signed any agreement, nor did I receive any of the devices or services associated with this account. Furthermore, I am confused as to who owns the account at this point, as it has been linked to both XXXX XXXX and Afni , Inc., and no clear ownership or contract has been established with my explicit consent. 

The devices, including an XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX, were allegedly shipped to my address at XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, on XX/XX/year>, and signed for by " XXXX. XXXX. '' I did not sign for or receive these devices, nor did I use the services that XXXX XXXX claims were activated on XX/XX/year>. The account was suspended on XX/XX/year>, and disconnected on XX/XX/year>, with no prior notice or acknowledgment of these issues from XXXX XXXX. 

To further complicate matters, XXXX XXXX did not receive any dispute until XX/XX/year>, long after the issues with this account arose. 

Legal Violations Fair Credit Reporting Act ( FCRA ) Violations : XXXX XXXX and Afni , Inc. have failed to properly investigate my dispute regarding this account. Under 15 U.S. Code 1681i, both parties are required to perform a reasonable reinvestigation of disputed information within 30 days. To date, neither company has provided me with evidence of a signed agreement or other documentation proving the validity of the charges.

Fair Debt Collection Practices Act ( FDCPA ) Violations : Afni, Inc. continues to collect on this debt without properly validating the ownership or legitimacy of the account. This is a violation of 15 U.S. Code 1692g ( b ), which requires that all collection efforts cease until the debt has been validated. 
There is no clear ownership of the account between XXXX XXXX and Afni, which raises concerns about the legality of their collection practices under 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in connection with debt collection. 
Request for Immediate Action I respectfully request that XXXX XXXX and Afni, Inc. take the following steps : Provide proof of the ownership of this account, including any contracts, signatures, or other documentation showing that I agreed to these terms and the services/devices in question. 
Cease all collection activity on this account until the issue is fully resolved. 
Provide verification of the delivery and acceptance of the equipment, as I never signed for or received the devices claimed. 
Remove any negative reporting related to this account from all credit bureaus ( XXXX, XXXX, XXXX, and XXXX ) until the matter is resolved and any discrepancies have been cleared. 
Send written confirmation of the outcome of the investigation and the next steps to address this fraudulent situation. 
If these steps are not taken promptly, I will be left with no option but to pursue further legal action to protect my rights as a consumer. 

Thank you for your attention to this matter. I expect a response and resolution within 30 days, as required by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXX XXXX XXXX