Consumer complaint received 2023-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: NH

Complaint narrative:
To maintain credible documentation with creditors and collection agencies I refuse to discuss anything over a phone conversation. I will only communicate via email or USPS mail. 
For personal background, almost all my recurring charges are paid by either credit card or direct withdraw from my bank account. It has been that way since I began to travel extensively for business and did not want to incur late fees by missing a payment date. All our credit cards are paid in full monthly by direct charges to our checking account. The only obligation that I really have is to make sure I transfer enough money into our checking account to cover the coming 2 months. I have no debt in my name beyond a home mortgage which based on my last real estate agent valuation was approximately less than 20 % of the valuation. My wife has a used vehicle loan she took out this spring. Both long-term debts are paid by direct charges to our checking account. I assume you can check my credit report if so inclined. 
I am appalled that collection agencies are allowed to flag an individuals account without having copies of the documents that support the amount they allege is owed. If I were a conspiracy nut it isnt a leap to assume that AT & T XXXX is pulling a fast one like XXXX XXXX by pumping up statistics for accounts and revenues. To date, to my best knowledge, no one has even attempted to provide me with a copy of the original invoice, detailed bill breakdown, nor call log data. It is unfathomable to me that anyone would pay an alleged collection agency charge without knowing what the charge is for. 
I have plenty of capital, I pay my bills timely, give me a valid bill and I will pay it. 
To date I have received no communications from XXXX, XXXX XXXX nor AT & T XXXX. I made one direct credit card payment ( {$460.00} ) to AT & T XXXX on XXXX XX/XX/XXXX which I believe was for a cell phone. Probably from that date through XXXX XX/XX/XXXX I used the AT & T XXXX network and services as a family member participant as part of my brothers account, I did not have an account with AT & T XXXX XXXX AT & T XXXX. On XXXX XX/XX/XXXX, my wife and I happily switched our cellular service to XXXX where we have been to date. I have no other record of any relationship with AT & T since XX/XX/XXXX except for briefly being a stockholder for a few months in early XXXX. 
I have included as attachments the communications between AFNI and myself. 
At one point, AFNI thought I had said I was a victim of id theft. They said they contacted AT & T Mobility ( correspondence included in filing ) and I was sent a form to report identity theft to my local police and then provide AT & T XXXX with proof of residency from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX and 2 forms of identification. I responded to AFNI that they were confused and I didnt claim to be a victim of identity theft as there is no evidence of such except for AT & T XXXX attempting to pin something on me. I also found this humorous as AT & T Mobility and the agents continue to refuse to present a copy of the original invoice with billed to name and address along with detailed bill breakdown and a full call log detail. They should be required to show me first what they got then, if necessary, I will then provide my information. 
That letter was the first time I was told when the alleged misdeeds on my part were to have occurred. I declined to provide AFNI nor AT & T XXXX with any personnel information.

Company response to consumer: Closed with explanation