Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aargon Agency, Inc.
State: GA

Complaint narrative:
Aargon Agency , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX RE : FINAL DEMAND ACCOUNT # XXXX XXXX XXXX {$4100.00} MEDICAL COLLECTION REPORTED XX/XX/year> XXXX XXXX  To Whom It May Concern : This letter is my FINAL formal demand regarding the medical collection account your company is reporting with the following details : Collection Agency : Aargon Agency , Inc . 
Original Creditor : XXXX XXXX Date Opened : XX/XX/year> Balance : {$4100.00} Last Reported : XX/XX/year> Status : Derogatory / Placed for Collection Account # : XXXX XXXX XXXX XXXX XXXX I dispute this debt in its entirety. 

I. Lack of Required Notice ( FDCPA 809 ( a ) ) I have never received a single notice, bill, letter, phone call, or communication from your company regarding this alleged debt at any point prior to it suddenly appearing on my credit report. 
This is a direct violation of FDCPA 809 ( a ), which requires that a collector send written notice within five days of the initial communication. 
Because I was never notified : You violated federal law before ever reporting this account I was denied the right to timely dispute the debt I was denied the right to request validation before you damaged my credit Your failure to notify me is, by itself, grounds for deletion of the account. 

II. Immediate Injury and Credit Score Damage Your unverified reporting caused a significant and immediate drop in my credit score, resulting in : Increased interest rates Reduced borrowing ability Harm to my creditworthiness Emotional distress and financial strain You are now liable for damages caused by : Reporting unverifiable information Reporting without prior notice Reporting without validating the debt Continuing to report despite my dispute III. Required Validation ( FDCPA 809 ( b ) ) You must provide : 1. A complete itemized breakdown of the {$4100.00} balance 2. A signed HIPAA authorization permitting any release of my medical information 3. All documents received from XXXX XXXX, including billing and assignment 4. Proof of your legal authority to collect this debt Any failure to provide these items will be treated as an inability to validate the account. 

IV. HIPAA Violations I never authorized the release of any medical information to XXXX XXXX. 
If you can not provide the signed HIPAA authorization, then : You obtained PHI without legal authority You are unlawfully storing or transmitting PHI Your reporting constitutes an unauthorized disclosure This alone requires immediate deletion of the account. 

V. DEMAND FOR IMMEDIATE ACTION If you can not validate this debt within 30 days : A. You must delete the account from all credit bureaus immediately, and send written confirmation of deletion OR B. You must remit financial compensation for the credit damage, financial loss, and emotional distress caused by your unlawful reporting, including : Statutory damages under the FDCPA Damages for negligent or willful FCRA violations Damages for credit score impact Damages for failure to provide required notice Damages related to improper handling of PHI under HIPAA Failure to comply will result in : Complaints filed with the CFPB, FTC, HHS/OCR , Nevada Attorney General, and all three credit bureaus Documentation prepared for potential civil action VI. Cease All Reporting and Collection Activity Effective immediately, you are to cease all reporting, updating, collecting, or verifying related to this account until full validation is supplied. 

VII. Method of Response All correspondence must be sent by mail to the address above. 
Electronic responses will not be accepted. 

Sincerely, XXXX 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