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  1. Off to research their arbitration clause...this is helpful info, thank you.
  2. I do believe I have all the documentation you mentioned here...I got my paper copies 2-3 weeks before I disputed with them and saved digital copies of all correspondence. I'll have to double check. In an interesting turn of events, AFNI has disappeared from all my reports sometime over the past week...and I didn't even send the dang DV yet. Printed it and haven't had time to get to the post office. I'm not naive enough to think they're gone for good, but at least this gives me more time to gather info (a DOFD from Sprint would be a start).
  3. I left for a much higher-paying job, so I'm not exactly MAD that I left...I guess I was just confused on how the whole SOL thing works. If I have to end up contacting Sprint to see about this collection and pay them directly, I will...just trying to get AFNI to kick rocks (I did a search on them prior to posting and booooyyyy, people don't like them).
  4. Well, that's crap. (Not saying you told me a bunch of crap, just that it sucks that the longer SOL now applies!) Considering one bureau has June '25 and the other has August '25, I'm guessing there will be SOMETHING I can stick them on...just not name or address. Thanks for the clarification.
  5. Hi all, There is a collection on my EX and TU reports (OC is Sprint)...in early 2020 it was owned by Enhanced Recovery Assoc, but after sending a DV they removed it and apparently sold it to AFNI, who has been reporting since December 2020. Just when I was about to send a letter asking them who in the heck they thought they were to be reporting on my credit without contacting me first, I received a letter from them dated 2/26/21. Problem is, it's not addressed to the "right" person. Without giving my actual name, it's the equivalent of if my name were Jane Williams-Jones...and the letter is addressed to Jane Will-Jones. I have a DV letter all typed up, but my hesitancy in sending it lies in this...if they don't currently have my full legal name (but obviously have enough info to ding EX and TU) is there a way I can get them on that *without* disclosing to them my actual legal name? In addition, they have listed an "on record until" date of June 2025 on EX and Aug 2025 on TU (no DOFD listed on either CR), which means they're trying to collect on something that I guess went delinquent sometime in 2018, when I still lived in NC. I've lived in GA since August 2019, and have no clue how they got my current address, unless it was somehow furnished by ERA. I do have in my DV draft a request for the DOFD, but if I've moved, how does this affect SOL? Also, is SOL calculated from when whatever 2-year Sprint contract they're saying I signed began, OR when the account went delinquent? Thanks so much for your guidance.
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