I have recently obtained my Annual Credit Report from the Big three Credit Bureaus. This is a similar question to that posted a few days ago by another user. My credit report shows no deliquent accounts except for one from a Collection Agency called AFNI. It being placed on the account in 2007. They say I owe money to Verizon. I was doing business with Verizon until 1/2008, and Verizon said I don't owe them any money and that AFNI does not do their collections. I have reported this to Attorney Generals Offices, Disputed it with credit bureaus and have written to AFNI, Registered mail. They send me back a form to do an identity theft investigation/dispute. After some research, I found out AFNI buys junk debts. That this is probably a re-aged debt which they legally cannot make me pay and that it was from most likely an old Bell Atlantic account.We have our phone reciepts from the past 7 or 8 years so if was ours it is older than that. What would you do to get them to back off?
Additional Details
Verizon themselves were nice enough to give me the name and address and phone number of the company who does do their collections (CBE Group) and I was nice enough to inform AFNI that I did have that information. I also have a statement from Verizon stating that my account was closed 01/09/2008 with an outstanding balance of $0.00 and that we had service with them from 2005 to 2008. AFNI only has an account number that they (AFNI) made up. I told them, you send me a BILL stating that I owe what it is you say I do from the original creditor, that is not more than five years old (statute of limitations on utilities in almost every state, it is 4 years in some) and get Verizon to tell you in writing I owe it. You can't and won't, and if you don't remove it I bring you to court. How do they get away with that crap?!!