Consumer complaint received 2021-09-03
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX had FRAUDULANTY CREATED and continues its FRAUDULANT REPORTING of a fabricated delinquent account that they have full knowledge was fraudulently created by their own sales representative seeking a commission. 

Some 3 years ago now, a XXXX installer knocked on my door to install XXXX XXXX service that 1 ) I never ordered, 2 ) had no knowledge of and 3 ) I DECLINED ANY INSTALLATION OF OR SERVICE. This all took place after I moved to my current residence at XXXX XXXX XXXX XXXX, XXXX XXXX Florida, where I have NEVER HAD XXXX EQUIPMENT OR SERVICE OF ANY KIND ( including without limitation internet, cable or any other service from XXXX ). The installer determined that some XXXX SALES REP created the fake account to earn a commission ( likely based on some list of new owners ). The XXXX installer told me that I needed to call XXXX to correct, which I did on at least 5 occasions ( with no good explanation as to why I had to do the work, when the installer they sent had first hand knowledge that the service was never ordered and that he was declined access to install, an in fact never installed based on knowing any order - if in fact XXXX existed - was fraudulent ). 

Rather than XXXX following the paperwork to determine WHO AT XXXX CREATED THE FRAUDULANT ACCOUNT TO BEGIN WITH, XXXX continued to arrogantly make it my problem. XXXX HAS NEVER PROVIDED EVEN A DAYS WORTH OR SERVICE OF ANY KIND TO ME AT THIS HOME ( we have and continue to use XXXX XXXX from day 1 ). XXXX and their collection agencies have been notified of the FRAUD ad nauseum, but XXXX continues to take no responsibility to fix the problem ( which could easily be fixed by them merely tracking their sale rep that created the fake account to begin with ). Instead, they merely continue their improper and HARASSING false reporting and collection efforts ( on a debt XXXX fabricated on its own doing ). 

They are a company that is too big to care. They CONTINUE to WRONGFULLY AND FRAUDULANTLY make the intentional bad faith decision to report this fake account to my credit, causing significant actual damages to me and my finances ( I can not refinance my mortgage with this impacting my credit score - which would otherwise be north of 800 - because their false reporting is causing higher interest rates and fees according to multiple potential lenders ). 

XXXX 's actions are wrongful, intentional and deserving of PUNITIVE DAMAGES - they need to be punished for these careless, lazy and completely wrongful bad-faith actions. XXXX has been notified of the above NUMEROUS TIMES on RECORDED LINES and through a formal complaint submitted through this site - XXXX conveniently failed to provide ANY response to the last complaint ( the collection agency they hired at the time made the right choice and dropped the account ), XXXX IGNORANTLY AND ARROGANTLY simply hired another collection agency to continue their fraudulent, abusive and reckless actions - even with full knowledge of the details included herein. 

THERE ARE NO MORE WARNINGS - PUNITIVE DAMAGES WILL BE SOUGHT IN FEDERAL COURT. I AM SURE AM NOT ALONE ON THIS - THESE ABUSIVE ACTIONS NEED TO STOP - THE BEHEMOTH SIZE OF XXXX SHOULF NOT PROVIDE IMMUNITY TO THEIR RECKLESS AND INTENTIONAL WRONGDOINGS.

Company response to consumer: Closed with explanation