I, too, am a victim of AFNI, Inc., Bloomington, IL. It started in 9-2006 when I finally called about a collections letter for a cable company I didn't recognize. It turns out that it was a company I had service with 18 years earlier (21 now)! I told the man I talked to that I wouldn't be paying it because it was so old and that I didn't believe I even owed the money. The next week it was on my credit report as being "opened in 10-2006". I filed 2 reports with FTC and disputed it with Equifax twice. It's still on my credit report. Equifax investigated and came to the conclusion that it is a "valid debt". In April of 2008, I called the company again and talked to a "supervisor" who told me the final bill was sent in 11-2003. I moved from that town in 1990 after stopping all services! In the meantime, they have charged me $73 more for a Qwest bill that I don't owe and that is now on my report as well. I just filed my 3rd complaint with FTC as well as a complaint to the Oregon Attorney General. I don't know what it will take to get these people to stop. It seems that they can charge people with any amount of money for any bogus debt! In my case, they are making up false debts from companies that I actually have done business with far, far in the past. Maybe we can band together to stop them. Do the words "Class Action Lawsuit" sound good to anybody?????