1. Written by z, on 11-04-2008 20:03
The most likely reason you don't remember this account is that it probably isn't your account. With just a little searching, you can find complaints from MANY people that AFNI has sent them bills for bogus accounts.
You need to immediately send a letter to AFNI saying that you dispute the debt, that it is not your account, and that you are requesting that validation of the alleged debt, obtained from the original creditor, be sent to you. Send that letter certified, return receipt requested, so you have proof they got it. When you have post office confirmation of their receipt of your letter, send a dispute to the credit bureau showing their negative credit information disputing the entry as not your account. If AFNI falsely "verifies" the bad credit information, file complaints with the Illinois Attorney General, your state Attorney General, and FTC, and start looking for a consumer protection attorney.
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