Consumer complaint received 2017-01-05
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: AFNI INC. (FL)

I closed my account with XXXX on XX/XX/XXXX. I returned all equipment and the bill was prepaid for a month in advance of the closing date. XXXX said they would prorate the bill and send me the money instead they auto billed my credit card for {$160.00} on XX/XX/XXXX, taking charges for XX/XX/XXXX which was not right because the service was closed. I tried to straight out over phone could not resolve any thing with their foreign call center person in XXXX. In XX/XX/XXXX Disputed their {$160.00} Charge thru XXXX card. 
XXXX investigated and reversed the charges back to XXXX. Did n't hear any thing from XXXX or get any kind of Bill, thought it was done, heard nothing for over a year and they had my forward address and mail was being forwarded for over a year thru XXXX. In XX/XX/XXXX looking at my annual credit report I see a collection agency negative report for {$160.00}. Contacted the XXXX in XXXX XXXX about this. They said it was for non payment to XXXX For {$160.00} told them the story for the last year and this was the first I had heard about it and that XXXX never sent me a final bill. Asked both XXXX and XXXX to send me an itemized bill and tell me what the breakdown of the charges are for because I had paid ahead and returned all the equipment so {$160.00} was an overcharge and I said I would be glad to pay it if they would just tell me what I was paying all this extra money for. Neither company ever sent me an itemized bill and just stated I owed that amount. Then in XX/XX/XXXX I get another letter from a different collection agency called AFNI in XXXX XXXX. They send me a collection letter for the same XXXX debt that XXXX contacted me for {$160.00}. I explain the whole situation to them and tell them XXXX has already put it on my credit report. They ignore my explanation Do NOT send me and itemized bill and then as of XX/XX/XXXX they put another negative collection debt under their name for the same thing on my credit report for {$160.00}. 
I am complaining about these two debt collector 's and XXXX they all refused to acknowledge my request for an itemized bill. They put the same debt on my credit reports twice, six months apart just to further lower my credit score and make it look like I had two bad debts instead of just one. Are this Fair Practices? I 've contacted everyone in writing with explanations : XXXX Billing Complaint department refuses to respond and i know they got it because I certified it. XXXX and AFNI collection companies just keep telling me what its for and do n't do any investigation or answer any of my Questions. I sent them certified letters also. Is this practice fair and legal to me as a consumer just to have XXXX contact a different debt collection agency every six months send me letters for the same thing and keep putting it on my credit report to make it look like I have a whole mess of bad debts? They wo n't even break the bill down for me and tell me what this money is being paid for, their customer service is horrible and inept. Yes I am complaining about all 3 of these companies for unfair practices : XXXX XXXX and AFNI in XXXX XXXX.