Consumer complaint received 2024-05-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (MS)

I was notified on XX/XX/2023 regarding an alleged debt. 

On XX/XX/2023 I responded " Please supply the information below so that I can be fully informed : **Why you think I owe the debt, and to whom I owe it, including : * The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 
* If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
* Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, provide me with a copy of the written agreement that created my original requirement to pay. 

The amount and age of the debt, specifically : * A copy of the last billing statement sent to me by the original creditor. 
* State the amount of the debt when you obtained it, and when that was. 
* If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
* If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
* If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
* Tell me when the creditor claims this debt became due and when it became delinquent. 
* Identify the date of the last payment made on this account. 
* Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 

**Details about your authority to collect this debt** * I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 
* If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

I have asked for this information because I have some questions about this debt. Because of my questions, please consider the debt to be disputed at this time. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. In addition, you should state in any report that you have failed to fully verify the debt in response to my request ( unless you have already provided all the necessary information ). 

If you fail to provide any of the information or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or document your claims. 

Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor. 

I request any further response in regard to this debt in writing. '' The Collector sent another letter in the mail, received XX/XX/2023. More than 30 days after the request was sent. The Collector failed to provide any of the information requested.