Complaint Review: Afni - Bloomington Illinois

Verizon's customer rep is wrong. Selling the debt does not release Verizon from responsibility. Write a letter to Verizon telling them that you were the victim of a fraud in 1994 and that you never contracted for the alleged telephone account. Tell them that you have filed a police report, and give them the police report number only. Then tell them that Afni has been violating the law, and that Verizon is responsible for improperly communicating your personal information to Afni. Tell Verizon that must immediately retrieve the debt and all information from Afni or the next contact they receive will be a law suit from your attorney. Go to the Verizon website and search for the "Corporate Governance" page. Then click on Executive or some such term. You will get a list of the names of all the top Verizon executives. Pick one who seems appropriate. Don't be afraid to send a letter directly to the Chairman of the Board if necessary, he'll get it to whoever needs to handle it and when a complaint such as yours comes from the top down it gets handled very differently than when it comes from the bottom up. If you are currently a Verizon customer tell them that you will give all your business to another company if they don't correct the situation immediately. You can expect Verizon to contact you quickly and agree to do whatever they need to do to retrieve or buy back the debt from Afni or to get Afni to stop contacting you. Don't worry about your credit report. The credit bureaus don't report debt more than 7 years old except in certain cases such as mortgages. If Afni has given the information to a credit bureau simply tell the credit bureau you filed a fraud report and that it was not your account. Afni will be contacted and will not be able to verify identity. The info will be deleted. Then sue Afni for your time and trouble. What you don't want to do is start sending Afni information to prove the debt is not yours. Afni is a company that flaunts the law. Don't ever give them anything that they might be able to use to damage you, and be sure Verizon knows how annoyed you are that Verizon invalidly gave that information. Verizon is charged with properly investigating and knowing their customer, if they were negligent in that regard they may be liable. If they refuse to correct the situation, they are intentionally and maliciously seeking to hurt you and are definitely liable. My advice is always SUE THE HELL OUT THEM. Verizon has definitely been negligent in dealing with Afni and is liable for their negligance. Afni not only flaunts the law, but cares little that they are being sued. A total of 27 federal law suits have be brought against Afni in just the past 13 months. They must be paying a fortune to lawyers and still they keep up their tactics. It shows you how much money their is the tactics they use. Part of the reason is people who panic and try to prove its not them or worse yet, pay the bill. One more word of advice. The statute of limitations on debt in most States runs from the date of the last payment. If Afni gets to pay even 10 cents on the debt and can prove you paid, they can sue n the entire debt because the Statute fo Limitations will begin to run all over again. DON'T EVER PAY ON OLD DEBT UNLESS YOU BELIEVE MORALLY THAT YOU SHOULD. I have no idea why you would believe morally that you ought to give scum like Afni hundreds of dollars for something for which they paid pennies, even if you actually owed the debt. In most cases this debt was from accounts with other companies that Verizon bought. Those companies are gone. Verizon payment for the company had little to do with old uncollectable accounts sitting around. Want to know why you haven't heard anything on these debts. Companies such as GTE wrote this stuff off long ago as uncollectible. Then, just recently, some genius with an MBA at Verizon decided Verizon could make a few million extra dollars and clean out their files of paper by selling all this old customer information to the Illinois version of Tony Soprano. Of course, most of the people can no longer be found and the debt can't be sued upon becuase it is too old. So Tony aka Afni goes and finds anyone with the same name or anyone who lived in the same house or anyone who might be an immediate relative and tries to bully them into paying. That's why you are being contacted all these years later. It's Verizon greed. When they figure out that all these complaints mentioning their name together with illegal and fraudulent activities has hurt their business more than the few dollars they got on the sale of these debts, they'll fire the boy-genius who thought this up. In the meantime, Afni apparently cares as much about getting sued as Tony Soprano cares about going to jail. They don't want it, but they ain't going stop what they're doing to avoid it either. Verizon on the hand makes money from getting phone customers. They are more vulnerable to your complaints. Same with Sprint, Alltell, etc.

Will draw up this letter. Basically, advising them that an identity fraud report has been filed with my local PD. I will tell them that not only did we never live in FL. but that they must provide us with information and a signature to a contract that we allegedly signed with the phone company. We never gave them any of our information. They had it already. Will not sign anything. I repeat..I will not sign anything. HAHA!! We will NOT file a fraud report with AFNI! I repeat. We will NOT file a fraud report with AFNI. HAHA! We're not giving them any more information than what they have already. Which was not by us. We never received any bills for this debt by Verizon nor any phone company before this collection notice. AS we have been customers of Verizon since they began, we would have been notified. This collection is also of a debt that is 13 years old. We would never have been able to have a telephone from them with this debt "at large". We're not paying a dime. Period. I will call the three credit report companies and see what they say. Requesting a copy of our credit reports. I will be emailing my district attorney about this too. This has to stop. We're in the process of looking for a house. I will NOT be held up by any fraudulant company looking for a fast buck. I'm not a person who is..intimidated..at all. I have children whom I'm trying to get a house for. So, I'm not playing games. Thank you everybody for directing us in the appropriate direction. Will let you know how this all plays out.

when you pull your credit report pay special attention to prior addresses. all address that appear on your credit report are place there by creditors with information that was to be provided you. collection agency will attempt to place a florida address on your report to make it appear as you did. communication fraud is the most common type of fraud this police report you filed will have all the information you don't want the collection agency to have and it will be sold to other agency's. how many people have posted here saying that one collection agency couldn't validate there debt only to hear from another after it was sold the information in that report will be sold with this false debt. send a validation request as Steve, P and the other have advised. also you should file a complaint with the attorney generals in both states, they will either drop the collection or you can use the information they give, against them later. if you have on your credit report a florida address, dispute it with all 3 bureau's and have them sent you the information as to how it got there and what informaion was used to verify that address, by who, name, address ect.

You're talking about a debt that is approaching 13 years old. Let them do the 'proving' as to where you lived and whether or not this is your debt. AFNI came after me, I sent a validation letter (thank you Steve), and have never heard from them again. These lowlifes make their living on those that don't know their rights. Good Luck, and keep us updated.

Eydie and Jaime, YOU do NOT have to prove ANYTHING to them! The entire burden of proof is on THEM to prove the account is yours and to prove you owe THEM the money. NEVER speak to ANY debt collector on the phone, and NEVER give ANY information to a collector. NEVER!! Upon first written demand by any collection agency, IMMEDIATELY send a DEBT VALIDATION letter as per your rights under the FDCPA. Send this by certified mail, return reciept requested. Be sure to put the certified# on the letter itself and keep a copy for your records. This is very important as it proves exactly what you sent. In this letter, clearly dispute the debt and demand to see the original signed contract that created it as well as a full account history and itemization of charges. DO NOT sign the letter, just print. Now, all collections efforts must cease until the requested validation is provided.

I am NOT an attorney nor do I work in the legal field, however, I believe the recommendations can be confirmed by other regular posters to this board .. There are a couple of generalities going on here. If the debt was REALLY YOURS AND THEY (NOTE THE OPERATIVE WORD HERE IS THEY)CAN PROVE IT, THE STATUTE OF LIMITATIONS HAS MORE THAN LIKELY EXPIRED. The collection agency must validate the claim .... NOT YOU.... All you need to do is uphold your rights by sending them a certified RRR letter stating you dispute the claim adding you did not live in the state where the debt was incurred. They want proof of where we lived in 1994. >>> They want to intimate, threaten and harass you into paying something you probably don't owe and if you did is now out of the statute of limitations. The burden of proof for the debt is NOT on you - it is on the collection agency. If you provide ANY personal information to this company based upon its poor performance, I believe you are asking for trouble and it will come back to haunt you ten fold. It is wonderful you know where you lived in 1994 but don't share that with them. Actually going to a notorary really isn't necessary, just a kind of "push back" to the collection agency since you filed a fraud report with police. DO NOT FILE A FRAUD REPORT WITH AFNI ... DO NO FILE A FRAUD REPORT WITH AFNI ... Did I mentioned not to file a fraud report with AFNI???? Now, they may claim that someone used your personal information to open the account which is where your police report comes into play. AFNI are bottom feeders and CANNOT validate the claim and are attempting to make you validate their claim for them. They make their living on preying upon unsuspecting consumers like yourself. They bank on (Literally) people NOT knowing their rights. How do we go about proving our address at that time? >> You don't .... The burden of prove is THEIR RESPONSIBILITY AS IT THE DEBT THEIR RESPONSIBILITY TO VALIDATE. They are trying intimidation tactics and expecting YOU to do their skip tracing work, etc. I know where we lived but where do we get the information. Besides a letter from a landlord that would be notorized? >>>> If you get a statement from your land, DO NOT SEND IT TO THE COMPANY. You are giving them an open invitation to harass you and for them to create a magickal skip trace in order to prove this debt is yours. YOU go to a notorary and make the statement YOU did not live at that address. PERIOD .... So, you're advising that we shall send a registered/certified return receipt letter telling AFNI that we did not live in Florida and tell them we filed an identity fraud report with our local police station? >> Yes ,,, Anything you send to ANY collection agency needs to be certified RRR. On the letter you write them INCLUDE THE REGISTRATION NUMBER AS PROOF THIS IS THE COMMUNICATION YOU SENT ... ***DO NOT SIGN THE LETTER **** PRINT OR TYPE YOUR NAME **** your signature can magickically appear on documents you never knew about What kind of contract would we have signed? And with whom? >>> Since it is verizon probably something to do with GTE .. Send a copy of the dispute letter to all three credit agencies AND also check your credit report. They may have placed derogatories on it in which case this site will help you with that too ... GENERAL INFORMATION FROM VARIOUS SITES ON DEALING WITH COLLECTION AGENCY'S Tell them to validate by . What the money you say I owe is for; Explain and show me how you calculated what you say I owe; Provide me with copies of any papers that show I agreed to pay what you say I owe; Provide a verification or copy of any judgment if applicable; Identify the original creditor; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent 1. NEVER talk to a collection agency on the phone. Period. 2. Keep good records. This can be the difference between a good and bad settlement. Don't expect them to remember you or what you agreed upon. 3. Send all correspondence via registered mail, receipt requested and put the registered mail number ON THE LETTER. DO NOT SIGN THE LETTER TYPE YOUR NAME 4. Keep a copy of every letter you send. 5. Penalties and extra interest are typically fictious amounts of money added on by the collection agency to pad their profits. Sometimes as much as to 50% of the debt or more claimed to be owed by a collection agency consisting of interest and fees. This is illegal, every state has usery laws (which dictate the maximum interests allowed to be charged. That is except North Dakota. There are no such laws which is why most credit card companies incorporate there.) Junk debt buyer pay anywhere from 1 cent to 7 cents on the dollar, there is no way there is this much interest. 6. Time is on your side. As time passes, the creditors will likely stop calling and the debt will be filed away for future attention or until the SOL runs out ..

I am NOT an attorney nor do I work in the legal field, however, I believe the recommendations can be confirmed by other regular posters to this board .. There are a couple of generalities going on here. If the debt was REALLY YOURS AND THEY (NOTE THE OPERATIVE WORD HERE IS THEY)CAN PROVE IT, THE STATUTE OF LIMITATIONS HAS MORE THAN LIKELY EXPIRED. The collection agency must validate the claim .... NOT YOU.... All you need to do is uphold your rights by sending them a certified RRR letter stating you dispute the claim adding you did not live in the state where the debt was incurred. They want proof of where we lived in 1994. >>> They want to intimate, threaten and harass you into paying something you probably don't owe and if you did is now out of the statute of limitations. The burden of proof for the debt is NOT on you - it is on the collection agency. If you provide ANY personal information to this company based upon its poor performance, I believe you are asking for trouble and it will come back to haunt you ten fold. It is wonderful you know where you lived in 1994 but don't share that with them. Actually going to a notorary really isn't necessary, just a kind of "push back" to the collection agency since you filed a fraud report with police. DO NOT FILE A FRAUD REPORT WITH AFNI ... DO NO FILE A FRAUD REPORT WITH AFNI ... Did I mentioned not to file a fraud report with AFNI???? Now, they may claim that someone used your personal information to open the account which is where your police report comes into play. AFNI are bottom feeders and CANNOT validate the claim and are attempting to make you validate their claim for them. They make their living on preying upon unsuspecting consumers like yourself. They bank on (Literally) people NOT knowing their rights. How do we go about proving our address at that time? >> You don't .... The burden of prove is THEIR RESPONSIBILITY AS IT THE DEBT THEIR RESPONSIBILITY TO VALIDATE. They are trying intimidation tactics and expecting YOU to do their skip tracing work, etc. I know where we lived but where do we get the information. Besides a letter from a landlord that would be notorized? >>>> If you get a statement from your land, DO NOT SEND IT TO THE COMPANY. You are giving them an open invitation to harass you and for them to create a magickal skip trace in order to prove this debt is yours. YOU go to a notorary and make the statement YOU did not live at that address. PERIOD .... So, you're advising that we shall send a registered/certified return receipt letter telling AFNI that we did not live in Florida and tell them we filed an identity fraud report with our local police station? >> Yes ,,, Anything you send to ANY collection agency needs to be certified RRR. On the letter you write them INCLUDE THE REGISTRATION NUMBER AS PROOF THIS IS THE COMMUNICATION YOU SENT ... ***DO NOT SIGN THE LETTER **** PRINT OR TYPE YOUR NAME **** your signature can magickically appear on documents you never knew about What kind of contract would we have signed? And with whom? >>> Since it is verizon probably something to do with GTE .. Send a copy of the dispute letter to all three credit agencies AND also check your credit report. They may have placed derogatories on it in which case this site will help you with that too ... GENERAL INFORMATION FROM VARIOUS SITES ON DEALING WITH COLLECTION AGENCY'S Tell them to validate by . What the money you say I owe is for; Explain and show me how you calculated what you say I owe; Provide me with copies of any papers that show I agreed to pay what you say I owe; Provide a verification or copy of any judgment if applicable; Identify the original creditor; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent 1. NEVER talk to a collection agency on the phone. Period. 2. Keep good records. This can be the difference between a good and bad settlement. Don't expect them to remember you or what you agreed upon. 3. Send all correspondence via registered mail, receipt requested and put the registered mail number ON THE LETTER. DO NOT SIGN THE LETTER TYPE YOUR NAME 4. Keep a copy of every letter you send. 5. Penalties and extra interest are typically fictious amounts of money added on by the collection agency to pad their profits. Sometimes as much as to 50% of the debt or more claimed to be owed by a collection agency consisting of interest and fees. This is illegal, every state has usery laws (which dictate the maximum interests allowed to be charged. That is except North Dakota. There are no such laws which is why most credit card companies incorporate there.) Junk debt buyer pay anywhere from 1 cent to 7 cents on the dollar, there is no way there is this much interest. 6. Time is on your side. As time passes, the creditors will likely stop calling and the debt will be filed away for future attention or until the SOL runs out ..

I am NOT an attorney nor do I work in the legal field, however, I believe the recommendations can be confirmed by other regular posters to this board .. There are a couple of generalities going on here. If the debt was REALLY YOURS AND THEY (NOTE THE OPERATIVE WORD HERE IS THEY)CAN PROVE IT, THE STATUTE OF LIMITATIONS HAS MORE THAN LIKELY EXPIRED. The collection agency must validate the claim .... NOT YOU.... All you need to do is uphold your rights by sending them a certified RRR letter stating you dispute the claim adding you did not live in the state where the debt was incurred. They want proof of where we lived in 1994. >>> They want to intimate, threaten and harass you into paying something you probably don't owe and if you did is now out of the statute of limitations. The burden of proof for the debt is NOT on you - it is on the collection agency. If you provide ANY personal information to this company based upon its poor performance, I believe you are asking for trouble and it will come back to haunt you ten fold. It is wonderful you know where you lived in 1994 but don't share that with them. Actually going to a notorary really isn't necessary, just a kind of "push back" to the collection agency since you filed a fraud report with police. DO NOT FILE A FRAUD REPORT WITH AFNI ... DO NO FILE A FRAUD REPORT WITH AFNI ... Did I mentioned not to file a fraud report with AFNI???? Now, they may claim that someone used your personal information to open the account which is where your police report comes into play. AFNI are bottom feeders and CANNOT validate the claim and are attempting to make you validate their claim for them. They make their living on preying upon unsuspecting consumers like yourself. They bank on (Literally) people NOT knowing their rights. How do we go about proving our address at that time? >> You don't .... The burden of prove is THEIR RESPONSIBILITY AS IT THE DEBT THEIR RESPONSIBILITY TO VALIDATE. They are trying intimidation tactics and expecting YOU to do their skip tracing work, etc. I know where we lived but where do we get the information. Besides a letter from a landlord that would be notorized? >>>> If you get a statement from your land, DO NOT SEND IT TO THE COMPANY. You are giving them an open invitation to harass you and for them to create a magickal skip trace in order to prove this debt is yours. YOU go to a notorary and make the statement YOU did not live at that address. PERIOD .... So, you're advising that we shall send a registered/certified return receipt letter telling AFNI that we did not live in Florida and tell them we filed an identity fraud report with our local police station? >> Yes ,,, Anything you send to ANY collection agency needs to be certified RRR. On the letter you write them INCLUDE THE REGISTRATION NUMBER AS PROOF THIS IS THE COMMUNICATION YOU SENT ... ***DO NOT SIGN THE LETTER **** PRINT OR TYPE YOUR NAME **** your signature can magickically appear on documents you never knew about What kind of contract would we have signed? And with whom? >>> Since it is verizon probably something to do with GTE .. Send a copy of the dispute letter to all three credit agencies AND also check your credit report. They may have placed derogatories on it in which case this site will help you with that too ... GENERAL INFORMATION FROM VARIOUS SITES ON DEALING WITH COLLECTION AGENCY'S Tell them to validate by . What the money you say I owe is for; Explain and show me how you calculated what you say I owe; Provide me with copies of any papers that show I agreed to pay what you say I owe; Provide a verification or copy of any judgment if applicable; Identify the original creditor; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent 1. NEVER talk to a collection agency on the phone. Period. 2. Keep good records. This can be the difference between a good and bad settlement. Don't expect them to remember you or what you agreed upon. 3. Send all correspondence via registered mail, receipt requested and put the registered mail number ON THE LETTER. DO NOT SIGN THE LETTER TYPE YOUR NAME 4. Keep a copy of every letter you send. 5. Penalties and extra interest are typically fictious amounts of money added on by the collection agency to pad their profits. Sometimes as much as to 50% of the debt or more claimed to be owed by a collection agency consisting of interest and fees. This is illegal, every state has usery laws (which dictate the maximum interests allowed to be charged. That is except North Dakota. There are no such laws which is why most credit card companies incorporate there.) Junk debt buyer pay anywhere from 1 cent to 7 cents on the dollar, there is no way there is this much interest. 6. Time is on your side. As time passes, the creditors will likely stop calling and the debt will be filed away for future attention or until the SOL runs out ..

I am NOT an attorney nor do I work in the legal field, however, I believe the recommendations can be confirmed by other regular posters to this board .. There are a couple of generalities going on here. If the debt was REALLY YOURS AND THEY (NOTE THE OPERATIVE WORD HERE IS THEY)CAN PROVE IT, THE STATUTE OF LIMITATIONS HAS MORE THAN LIKELY EXPIRED. The collection agency must validate the claim .... NOT YOU.... All you need to do is uphold your rights by sending them a certified RRR letter stating you dispute the claim adding you did not live in the state where the debt was incurred. They want proof of where we lived in 1994. >>> They want to intimate, threaten and harass you into paying something you probably don't owe and if you did is now out of the statute of limitations. The burden of proof for the debt is NOT on you - it is on the collection agency. If you provide ANY personal information to this company based upon its poor performance, I believe you are asking for trouble and it will come back to haunt you ten fold. It is wonderful you know where you lived in 1994 but don't share that with them. Actually going to a notorary really isn't necessary, just a kind of "push back" to the collection agency since you filed a fraud report with police. DO NOT FILE A FRAUD REPORT WITH AFNI ... DO NO FILE A FRAUD REPORT WITH AFNI ... Did I mentioned not to file a fraud report with AFNI???? Now, they may claim that someone used your personal information to open the account which is where your police report comes into play. AFNI are bottom feeders and CANNOT validate the claim and are attempting to make you validate their claim for them. They make their living on preying upon unsuspecting consumers like yourself. They bank on (Literally) people NOT knowing their rights. How do we go about proving our address at that time? >> You don't .... The burden of prove is THEIR RESPONSIBILITY AS IT THE DEBT THEIR RESPONSIBILITY TO VALIDATE. They are trying intimidation tactics and expecting YOU to do their skip tracing work, etc. I know where we lived but where do we get the information. Besides a letter from a landlord that would be notorized? >>>> If you get a statement from your land, DO NOT SEND IT TO THE COMPANY. You are giving them an open invitation to harass you and for them to create a magickal skip trace in order to prove this debt is yours. YOU go to a notorary and make the statement YOU did not live at that address. PERIOD .... So, you're advising that we shall send a registered/certified return receipt letter telling AFNI that we did not live in Florida and tell them we filed an identity fraud report with our local police station? >> Yes ,,, Anything you send to ANY collection agency needs to be certified RRR. On the letter you write them INCLUDE THE REGISTRATION NUMBER AS PROOF THIS IS THE COMMUNICATION YOU SENT ... ***DO NOT SIGN THE LETTER **** PRINT OR TYPE YOUR NAME **** your signature can magickically appear on documents you never knew about What kind of contract would we have signed? And with whom? >>> Since it is verizon probably something to do with GTE .. Send a copy of the dispute letter to all three credit agencies AND also check your credit report. They may have placed derogatories on it in which case this site will help you with that too ... GENERAL INFORMATION FROM VARIOUS SITES ON DEALING WITH COLLECTION AGENCY'S Tell them to validate by . What the money you say I owe is for; Explain and show me how you calculated what you say I owe; Provide me with copies of any papers that show I agreed to pay what you say I owe; Provide a verification or copy of any judgment if applicable; Identify the original creditor; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent 1. NEVER talk to a collection agency on the phone. Period. 2. Keep good records. This can be the difference between a good and bad settlement. Don't expect them to remember you or what you agreed upon. 3. Send all correspondence via registered mail, receipt requested and put the registered mail number ON THE LETTER. DO NOT SIGN THE LETTER TYPE YOUR NAME 4. Keep a copy of every letter you send. 5. Penalties and extra interest are typically fictious amounts of money added on by the collection agency to pad their profits. Sometimes as much as to 50% of the debt or more claimed to be owed by a collection agency consisting of interest and fees. This is illegal, every state has usery laws (which dictate the maximum interests allowed to be charged. That is except North Dakota. There are no such laws which is why most credit card companies incorporate there.) Junk debt buyer pay anywhere from 1 cent to 7 cents on the dollar, there is no way there is this much interest. 6. Time is on your side. As time passes, the creditors will likely stop calling and the debt will be filed away for future attention or until the SOL runs out ..

They want proof of where we lived in 1994. How do we go about proving our address at that time? I know where we lived but where do we get the information. Besides a letter from a landlord that would be notorized? So, you're advising that we shall send a registered/certified return receipt letter telling AFNI that we did not live in Florida and tell them we filed an identity fraud report with our local police station? What kind of contract would we have signed? And with whom? Back in 1994, we had a different telephone company. And from that point on, we transferred as we moved to a new home. Let me know. I'm drawing up a letter today with my husband and mailing out Monday. Thank you for your advise.

They have to prove it was indeed you that had the account. If they had you ID info, why haven't you gotten any bills before this? Or did you give them the info they wanted to "make" it your debt? The only thing I would send is he certified letter asking them to validate it as yours. Ask specifically for the contract that "you" or your "husband" allegedly signed. Either they have one with a forgery or they have nothing. Since Verizon insists they sold it to them, they should have this info and have to provide it to you when asked for.

At this point because you are NOT dealing with a reputable company, I would just send them a notorized statement certified RRR saying that you did not live in (where ever they think you did) and you have filed an identity theft report with your local PD. I would send certified RRR to the credi bureaus to.

At this point because you are NOT dealing with a reputable company, I would just send them a notorized statement certified RRR saying that you did not live in (where ever they think you did) and you have filed an identity theft report with your local PD. I would send certified RRR to the credi bureaus to.

So far: We called and found out that somebody opened a Verizon Residentail phone account in Hillsborough, Florida, using my husbands name, social security number, and his actual birthdate. We went to the police station to file a Fraud report. Verizon told us that they sold the account to AFNI and so they can not do anything further with us as far as helping us understand how this all happened. We are sending a letter registered/certified mail to AFNI explaining to them that we never lived in Florida, sending a copy of our taxes filed for that year(the first page that shows the address only)here in NY and advising them that we filed a fraud report with the local police station. We'll also provide a copy of that police report to them. Because they wanted us to prove where we lived in 1994! This is a nightmare. But this is what we are up to now with this situation. Will let you know what happens next, folks. I am upset that it takes so much to get this cleared up. As we are the victims. But, the burden of proof is on the innocent to prove that they did not have a phone in Florida with these charges.