Angela, you fail to address the fact that AFNI ignores legal dispute and verification, thereby breaking the law; illegally dings credit reports; and follows no dispute resolution process. The original poster provided them with proof that the debt is invalid, they have not provided verification of the debt and continue to attempt to collect. They are breaking the law, repeatedly, regardless of the quality of the information they purchased. It is their duty to vet that information.
I received a fraudulent debt collection attempt letter from AFNI, but I am very aware of my legal rights. My first action will be to send a certified-return-receipt verification and dispute letter demanding verification of the (non-existent) debt. Afterwards I will notify them that they are not to attempt to contact me or pursue this matter further.
I presume then, judging by the hundreds of complaints about identical fraudulent collection matters, that I will be contacted further and will be forced to report the illegal collection attempts to the FTC, 2 state Attorneys General, and then consult an attorney to begin legal proceedings against AFNI.
There is *no* excuse for their behavior. Making excuses for immoral and blatantly illegal practices as "business-as-usual" is simply shilling for the crooked. Enjoy the kharmic blowback.