Afni Bloom is actually Anderson Financial Network. If you have seen them on your credit reports then you have probably witnessed some of the shadiest collection practices ever used. They are a junk debt buyer, or a collection agency that specializes in buying older written off debts in bulk. They buy these debts from original creditors for pennies on the dollar. They then use whatever means necessary to try and extort money from the unlucky sole that used to owe money.
Afni Bloom or Anderson Financial Network's Bloomington division has numerous complaints registered against them through the better business bureau. The majority of the cases seem to regard utility or phone bills which AFNI Bloom tries to collect on that are actually way past the statute of limitations for a debt. Once a bill becomes so old it is no longer legally enforceable. These "to old to collect" debts are then bought up by AFNI on the cheap. Once they get a hold of them they proceed in trying to collect on the debts by reporting new collection accounts on your credit reports. Re-aging accounts is against the FDCPA, every violation is a $10,000 offense.
Your best defense against AFNI Bloom is to stick to your guns and keep track of all your paperwork that you might have to use at your disposal. Do not pay off a debt if you know that it is older than your states statute of limitations. Refuse to deal with collection agencies, if you feel like you owe the debt and would like to pay it then contact the original creditor first. If AFNI bloom is attacking your credit reports then you would best be served in hiring a credit repair lawyer. A credit repair lawyer well versed in the Fair Debt Collections Procedures Act and the Fair Credit Reporting Act will be able to stick it to AFNI Bloom and get the debts removed.
If you are dealing with AFNI Bloom, I strongly suggest hiring a company such as Lexington Law Firm to handle your credit repair. They have been extremely successful in removing junk debt buyers such as AFNI Bloom, NCO financial and a ton of other collection agencies from thousands of their clients credit reports every year.