Afni, Inc. calls about telecom bills, utility balances, and sometimes an auto insurance claim you never knew existed. A $1.85 million data breach settlement, a CFPB consent order over credit reporting, and a 2026 class action allege the company disguises car accident claim letters as debt collection notices. Afni is a real, operating collector, but its legal history runs deeper than a typical agency’s.
Key Takeaways
- 🏢 Afni, Inc. is a real debt collector based in Bloomington, Illinois, not accredited by the BBB, with a 1/5 rating and 187 complaints in three years
- 🔐 A June 2021 data breach exposed roughly 261,000 people, settled for $1.85 million in 2023
- 📋 A CFPB consent order requires Afni to hire an independent consultant to fix its credit reporting practices
- 🚗 A 2026 class action alleges Afni disguises auto crash subrogation letters as debt collection notices
- 📞 Afni calls from at least ten reported numbers, including a separate line for its subrogation department
- ✅ You are not required to pay an unadjudicated subrogation claim just because Afni sends a letter
Free Case Review: +1-844-638-1122
Who Is Afni, Inc.?
Afni, Inc. is a third-party debt collection agency headquartered in Bloomington, Illinois. The company collects for telecommunications carriers, utilities, healthcare providers, and auto insurance companies. Afni also operates under the consumer-facing brand Afni Bloom, its online portal for account access and payments. 🖥️
In our practice, the auto insurance angle is what catches most clients off guard. Afni conducts subrogation recovery for insurance carriers, which means it contacts people who never missed a bill in their life, simply because an insurer believes they owe reimbursement after a crash. That distinction changes the entire legal analysis of your file.
- Address: Bloomington, Illinois. Some consumers report the office location as 1310 Martin Luther King Drive, Bloomington, IL, though Afni’s own materials do not publish a confirmed suite number.
- Phone: (866) 352-0479 | 866-352-0479 | +1 (866) 352-0479 | 8663520479
- Website: afnicollections.com
- Afni Bloom portal: account login and payment through the same website
What Phone Numbers Does Afni, Inc. Use to Call You?
Afni calls and collects from a wider set of numbers than most single-office collectors, and one of them is dedicated specifically to subrogation claims. 📱 Every number consumers have reported is listed below in the formats people search most.
- Main collections line: (866) 352-0479 | 866-352-0479 | +1 (866) 352-0479 | 8663520479
- Subrogation department: (877) 428-0286 | 877-428-0286 | +1 (877) 428-0286 | 8774280286
- Also reported: (877) 428-0308 | 877-428-0308 | +1 (877) 428-0308 | 8774280308
- (877) 545-2474 | 877-545-2474 | +1 (877) 545-2474 | 8775452474
- (866) 377-8844 | 866-377-8844 | +1 (866) 377-8844 | 8663778844
- (844) 236-4767 | 844-236-4767 | +1 (844) 236-4767 | 8442364767
- (866) 993-9511 | 866-993-9511 | +1 (866) 993-9511 | 8669939511
- (866) 308-1159 | 866-308-1159 | +1 (866) 308-1159 | 8663081159
- (800) 947-5096 | 800-947-5096 | +1 (800) 947-5096 | 8009475096
- (309) 831-2400 | 309-831-2400 | +1 (309) 831-2400 | 3098312400
If a call comes from the subrogation line specifically, treat it differently than a routine collections call. 🚗 That department pursues accident-related reimbursement claims, not standard unpaid bills, and the underlying legal basis for the debt is often unsettled.
Who Does Afni, Inc. Collect For?
Afni collects on behalf of a range of original creditors across several industries.
- Telecommunications: Verizon, AT&T, and Comcast, which represent Afni’s largest volume of accounts
- Utilities and financial services: electric, gas, and financial account balances
- Healthcare providers: hospital and medical billing accounts
- Auto insurance carriers: subrogation recovery pursued on behalf of insurers, even where no court has determined liability
The subrogation angle matters more than any other line item here. If Afni contacts you about a car accident, it may be acting for an insurer rather than a conventional creditor, and you are not legally required to pay an unadjudicated claim just because a letter demands it. 🛑
Is Afni, Inc. a Scam?
Afni, Inc. is a real, licensed debt collection agency. Being licensed does not mean every tactic it uses is legal. A 2026 class action, Cerean v. Afni, alleges the company sends auto crash claim letters disguised as debt collection notices to pressure people into paying damages no court has adjudicated.
If you received an Afni letter about a car accident and do not recognize owing anything, do not assume it is legitimate just because it looks official. In our experience, a real Afni contact will identify the original creditor in writing, will never demand payment by gift card or wire transfer, and will provide validation on request. If any of those elements are missing, you are either dealing with an impersonator or an Afni violation, and both deserve a closer look.
Is Afni, Inc. Banned by the FTC?
No. The FTC has not banned Afni, Inc. from operating. The company has instead faced a CFPB consent order over credit reporting failures, a $1.85 million data breach settlement, and multiple private FDCPA and FCRA lawsuits, so accountability here runs through several regulators and courts rather than one FTC action.
In our practice, we treat a CFPB consent order as more significant than a single private settlement, because it means a federal regulator already found systemic problems in how Afni investigates disputes. That finding becomes useful leverage in an individual credit reporting dispute against them.
What Lawsuits Has Afni, Inc. Faced?
Afni’s legal record spans data security, credit reporting accuracy, and deceptive communication, a broader range of problems than most collectors accumulate.
- Green v. Afni, Inc. ($1.85 million settlement, 2023): A June 2021 data breach allegedly exposed the personal data of roughly 261,000 consumers and employees, and the case alleged Afni failed to implement adequate cybersecurity measures.
- CFPB Consent Order (FCRA/CFPA): Alleges Afni failed to properly investigate consumer disputes and inaccurately reported data to credit bureaus, requiring an independent consultant to review its practices.
- Cerean v. Afni, Inc. (2026, proposed class action): Alleges Afni sent auto crash claim letters disguised as debt collection notices to pressure consumers into paying unadjudicated damages.
- Torres v. Afni (2018): Alleges deceptive collection letters that failed to clearly identify the creditor.
- Pacheco v. Afni (2017): Alleges Afni listed only “Sprint” on a letter without enough context for a consumer to verify or dispute the debt.
- Buckley v. Afni: A plaintiff win finding Afni violated both the FCRA and FDCPA.
When we open an Afni file, we compare the creditor-identification language on the letter against the exact gaps flagged in Torres and Pacheco, since a company facing this many separate actions tends to repeat its weakest habits across different account types. If your letter shares that pattern, it becomes part of your case.
Afni and Your Credit Report
Removing Afni from your credit report starts with verifying the entry is accurate, and the CFPB consent order over credit reporting failures means that scrutiny is well warranted here. Regulators required Afni to overhaul its dispute investigation process, which suggests reporting errors were not isolated.
- Dispute inaccurate entries in writing with Equifax, Experian, and TransUnion, citing the CFPB order as documented history of the problem
- Negotiate pay-for-delete in writing before paying a valid debt, specifying removal from all three bureaus
- Remember that Buckley v. Afni established the company can be held liable under the FCRA and FDCPA at the same time
How Do I Stop Calls From Afni, Inc.?
Stopping Afni starts with paperwork, not arguing on the phone.
- Request debt validation in writing within 30 days of first contact, sent by certified mail. For subrogation claims specifically, demand documentation showing how the amount was calculated and the legal basis for liability.
- Send a cease-and-desist by certified mail if calls continue, since contact afterward beyond confirming cessation may be a separate violation.
- Hire an attorney once Afni knows you have representation, since contact then routes through counsel instead of you.
How The Wood Firm PLLC Stops Afni, Inc. Debt Harassment
Afni’s combination of a CFPB enforcement action, a major data breach settlement, and active class action litigation gives us specific frameworks to work from. We examine collection letters for the creditor-identification failures documented in Torres and Pacheco, and we assess whether any subrogation claim Afni pursues is genuinely adjudicated or merely alleged.
We send legal notice immediately once you call, and contact typically stops within 48 hours. You pay nothing unless we win. Reach us at +1-844-638-1122.
Has Afni, Inc. contacted you about a bill or a subrogation claim you don’t recognize? 📞 Visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC handles these cases on contingency, and Afni pays our fees if we win.
Common Questions About Afni, Inc.
Is Afni Collections legitimate or a scam?
Afni, Inc. is a real, operating debt collection agency based in Bloomington, Illinois, not a scam. It is not BBB accredited, carries a 1/5 rating, and has faced a CFPB enforcement action and a $1.85 million data breach settlement.
What does Afni stand for, and what is Afni Bloom?
Afni stands for Accounts Fully Negotiated Inc. Afni Bloom is the same company’s consumer-facing portal brand, used for account access, payment, and balance inquiries through afnicollections.com.
Why is Afni contacting me about a car accident?
Afni conducts auto insurance subrogation recovery on behalf of carriers that believe money is owed after a crash. A 2026 class action alleges these letters get disguised as standard debt collection notices, so speak with an attorney before responding.
I received a data breach notice from Afni. What does that mean?
A June 2021 breach allegedly exposed the personal information of about 261,000 people. The Green v. Afni settlement, closed in 2023, addressed compensation for affected consumers. Monitor your credit reports for unauthorized activity afterward.
Does Afni report to credit bureaus, and can I get it removed?
Yes, Afni reports to Equifax, Experian, and TransUnion. Given the CFPB consent order over credit reporting failures, disputing an inaccurate entry with all three bureaus in writing is worth doing carefully.
Should I pay Afni before speaking to an attorney?
No. Given the subrogation practices, credit reporting history, and active class action, speaking with an attorney first costs nothing and could reveal the debt is legally challengeable.
What Should You Do If Afni Contacts You?
Start a written log of every call, letter, and text from Afni today. 🗒️ Request written validation before paying anything, and treat a subrogation call differently than a routine bill. Call +1-844-638-1122 for a free review of your situation.
Jeff Wood founded The Wood Firm PLLC exclusively for consumer protection cases and has never represented a creditor or collector. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
