Consumer complaint received 2026-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Aargon Agency, Inc.
State: NC

Complaint narrative:
Subject : CFPB Complaint Aargon Agency , Inc . Formal Dispute and Demand for Deletion of Unverified Collection Account I am filing this complaint against Aargon Agency , Inc. concerning its collection and credit reporting of an alleged XXXX XXXX account in the amount of {$180.00}. I dispute this alleged debt in its entirety. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I request a complete investigation and immediate correction of any inaccurate or unverifiable information. I demand that Aargon Agency , Inc. produce competent documentary evidence establishing that I am legally responsible for this alleged debt, including : * A copy of the original agreement or other evidence showing I am legally obligated for this account. * A complete itemized accounting showing how the alleged balance of {$180.00} was calculated. * Documentation establishing Aargon Agency, Inc.s authority to collect this account on behalf of XXXX XXXX XXXX through a lawful assignment. * Records identifying the date of default and the complete account history. * Copies of all documents relied upon when furnishing this account to XXXX XXXX XXXX XXXX Under 15 U.S.C. 1692e, a debt collector may not use any false, deceptive, or misleading representation in connection with the collection of a debt. Under 15 U.S.C. 1692f, a debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt. Under 15 U.S.C. 1681s-2, furnishers of information have a duty to investigate disputes and correct or delete information that can not be verified. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the information reported. If Aargon Agency , Inc. can not provide competent evidence establishing my legal responsibility for this account, it must : * Immediately cease all collection activity. * Permanently delete this collection account from XXXX XXXX XXXX, and any other consumer reporting agency. * Notify each consumer reporting agency that the account has been deleted. * Provide written confirmation that the account has been permanently removed. Verification through automated systems such as e-OSCAR, internal database records, account summaries, or unsupported electronic records alone is insufficient to establish the legal validity of a disputed debt. A reasonable investigation requires review of competent documentary evidence. I respectfully request that the Consumer Financial Protection Bureau investigate Aargon Agency , Inc.s compliance with the FDCPA and FCRA and require the company to correct or delete any information that can not be substantiated through a reasonable investigation. If Aargon Agency , Inc. can not verify this alleged debt with competent evidence, I request the immediate and permanent deletion of this account from all consumer reporting agencies and the termination of all collection activity. Thank you for your prompt attention to this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX

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