Afni Collections, Inc. sent a letter stating that I owed XXXX XXXX {$120.00}. I sent a debt and consumer verification letter requesting proof I I did in fact owe the money and how the amount was calculated. Afni is in violation of FDCPA 15 U.S.C. 1692 et seq. In XXXX v. XXXX, et al. 2014, XXXX Circuit ruled that " the verification requirement was satisfied where the debtor could sufficiently dispute the payment obligation. '' They have reported to XXXX credit bureaus without adequate proof of the debt. They failed to provide information and acted illegally, and are guilty of providing unproven information of a libelous nature. Additionally, they falsely accessed my credit report, having insufficient information to prove I have a valid debt, or that they even have assignment of the debt.