Consumer complaint received 2019-05-18
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX after getting my credit report I discovered that AARGON AGENCY INC had posted on my credit report two collections, but I was never notified of these debts by AARGON AGENCY INC. 
I immediately reach out to them by certified mail and requested debt validations for these two accounts, but AARGON AGENCY INC never replied to me and as of today they continue to report these accounts to the credit bureaus without any physical proof. 
On XX/XX/XXXX, again I wrote to AARGON AGENCY INC requesting debt validation. 
They had failed to validate these accounts as required by the FTC and purposely ignored my request for validations. That is very unethical how they do business, they just dont care. 
These accounts are not mine. I believe they were created by my ex-brother in-law, but to confirm I need it a full validation and, I need to know what credential were used. 
AARGON AGENCY INC received and signed for my request for a debt validation that I request by certified letter on XX/XX/XXXX. I mailed a second request on XX/XX/XXXX but they have never responded to any of my request and they only respond to the credit bureaus because they can easily report anything without producing any documentations other than maybe a bill statement. 
I believe, that if they had any proof they would had responded to me, but they dont have any proof. 
Its easy not to respond than to make fool out yourself. 
The credit bureaus look the other way for these collection agencies because theyre paid clients and the collection agency used these credit bureaus as a bullying tool. 
Collection Agency are mandate to proper validate collections and report accurate information. Theyre supposed to notify the alleged owner of the debt before placing them on the credit bureau. They dont do it because they use the credit bureaus as a collection tool. They dont care if there is a mistake, they just want to get pay at any cost. 
These collection agencies XXXXup innocent people every day costing the consumers millions of dollars in higher interest rate. They take advantage of the loop hole in the law, no one is really making sure they do the right thing. 
I was shocked when I saw the collections on my credit bureaus since I had never heard from AARGON AGENCY INC before they posted these collections with the credit bureaus. 
Must likely they wont respond to this complaint either and if they do, will be without facts other than maybe statements that had no value without been verified. 
The following two accounts were reported by AARGON AGENCY INC, but theyre not mine and they continue to report this inaccurate information to the bureaus : - XXXX XXXX XXXX # XXXX - NV XXXX # XXXX They wont listen to my request, but I wont stop until I get justice, I will continue to file complaint until someone listen and fine this agency for violating the consumers rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation