Experian Credit Reporting Company
2010
Help on how to deal with questionable account on credit reports?
I have been dealing (or actually attempting to deal with this) on my own for several months now with absolutely no luck. My problem is a collection account that is being reported on my credit report with all three agencies. The credit reporting company is AFNI and they are collecting a Verizon account. On my Transunion and Experian reports it is listed as a collection account with a date open of 12/06. On my Equifax report it is listed with a date open of 1/01.
The 2006 date is clearly wrong as I have not had a Verizon account of any kind since I moved from Pennsylvania in November of 2004.
I wrote to the AFNI on December 13th and they received and signed for my certified letter on December 17th. I have not received any response from them.
Any advice you can give me on how to deal with this matter would be appreciated.
I am sorry I was not clear – I absolutely dispute that I owe it.
You need to dispute this listing with the credit bureaus, and send AFNI a demand to validate letter. This needs to be done at the same time and certified return receipt mail.
Here is a flow chart that shows the process you need to go through.
http://creditinfocenter.com/rebuild/debt_validation_workflow.shtml
Excellent explanation of the debt validation process.
http://creditinfocenter.com/rebuild/debt_validation.shtml
Note I am not affiliated with this site, just sharing good information. Feel free to contact me if you need more help.
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