Afni has made a fortune by lying to consumers and reporting bogus debts to the credit bureaus. There is nothing in the Fair Debt Collection Practices Act (FDCPA) that states any consumer is obligated to provide that type information to a debt collector. The burden of proof rests solely on them and it is obvious that by sending out such a form letter, that Afni is blind to the debts they collect. A check of Pacer, for on-line federal lawsuits shows more than 165 suits where Afni is named. This does not begin to count the possibly hundred... read full review »