I was a victim of identity theft when someone purchased a cell phone in my name from a Verizon distributor & made hundreds of dollars in phone calls. I attempted t resolve the issue with Verizon for the last 6 years with no success. There has been a negative disposition on my credit report as a result. Now afni has sent me a settlement letter offering me to pay half the balance. I AM NOT GOING TO PAY A DIME for something I never purchased or used. read full review »