Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: MO

Complaint narrative:
I am submitting this complaint as the consumer associated with the credit file in question. I am personally submitting this correspondence on my own behalf. No third party, credit repair organization, or agent is acting for me in this matter. I recently discovered that Aargon Agency is reporting a collection account on my credit report that I do not recognize, did not authorize, and do not own. This account is being reported as a debt that I allegedly owe ; however, I have no knowledge of this account and have never entered into any agreement with Aargon Agency or the alleged original creditor associated with this account. Upon discovering this account, I immediately took action to investigate and protect myself from potential identity theft. I reviewed my credit reports carefully and confirmed that this account does not belong to me. I did not open this account, I did not authorize any transactions associated with it, and I have never had any business relationship with Aargon Agency. Because of the seriousness of this issue, I filed an Identity Theft Report with the Federal Trade Commission ( FTC ). This report documents that my personal information may have been used without my authorization to open or maintain this account. Filing this report was a necessary step to protect my identity and to ensure that fraudulent activity is properly documented and addressed. In addition to filing the FTC identity theft report, I also disputed this account directly with the credit reporting agencies, including XXXX XXXX and XXXX. In my disputes, I clearly stated that this account does not belong to me and that it is the result of identity theft. I requested that the account be investigated and removed from my credit report. Despite taking these steps, the account remains on my credit report, and Aargon Agency has failed to provide any meaningful documentation to support their claim that I am responsible for this debt. Instead of providing proper validation, Aargon Agency has either failed to respond adequately or has relied on generalized and insufficient statements that do not address the core issue. At no point has Aargon Agency provided any documentation that proves I opened or authorized this account. Specifically, Aargon Agency has failed to provide : A signed contract bearing my signature An original application for the account Any form of identity verification used at the time the account was opened Documentation showing that I authorized the account or benefited from it Without this documentation, there is no valid basis to claim that I am responsible for this account. It is important to note that the presence of personal identifying information such as my name, address, or Social Security number on an account does not prove ownership. This information can be obtained and misused by unauthorized third parties, which is exactly what appears to have occurred in this case. The continued reporting of this account is causing significant harm to me. It is negatively impacting my credit score and affecting my ability to obtain credit, housing, and other financial opportunities. This harm is ongoing and will continue as long as the account remains on my credit report. Additionally, I have identified inconsistencies and concerns regarding how this account is being reported. The information reported by Aargon Agency has not been properly verified, and there is no evidence that a reasonable investigation has been conducted. Under the Fair Credit Reporting Act ( FCRA ), both credit reporting agencies and data furnishers such as Aargon Agency are required to maintain maximum possible accuracy when reporting consumer information. They are also required to conduct a reasonable reinvestigation when a consumer disputes information. In this case, those obligations have not been met. Aargon Agency appears to be relying on unverified or incomplete information rather than conducting a thorough investigation. This raises serious concerns about the accuracy of the information being reported and the procedures being used to verify it. Furthermore, under FCRA 605B, when a consumer provides an identity theft report and identifies fraudulent accounts, the credit reporting agencies are required to block the reporting of those accounts. I have provided this documentation, yet the account continues to be reported. This indicates a failure to properly apply identity theft protections and comply with federal law. The situation is further complicated by the lack of transparency from Aargon Agency. I have requested validation and documentation to support their claim, but those requests have not been adequately addressed. Instead, I have received responses that do not provide the necessary information to determine the legitimacy of the account. This lack of transparency makes it impossible for me to verify the account and further supports my position that the account is fraudulent. I want to emphasize that I have acted in good faith throughout this process. I have : Reviewed my credit reports Identified the inaccurate account Filed disputes with the credit bureaus Filed an identity theft report with the FTC Requested validation from Aargon Agency Despite these efforts, the issue remains unresolved. The continued reporting of this account suggests that Aargon Agency is not fulfilling its legal obligations. Instead of correcting inaccurate information, the company is allowing it to remain on my credit report, causing ongoing harm. This situation highlights a broader issue with how identity theft and consumer disputes are handled. Companies are often relying on automated systems or superficial verification processes that do not adequately address the complexities of identity theft. As a result, consumers like myself are left to deal with the consequences of inaccurate reporting, even after taking all the necessary steps to dispute and document the issue. I also want to point out that I have no relationship with Aargon Agency. I have never entered into any agreement with them, and I have never authorized them to collect any debt on my behalf. Any claim that I owe this debt must be supported by proper documentation, which has not been provided. The burden of proof should not be placed on me to prove that I did not open this account. Instead, Aargon Agency must prove that I did. Without such proof, the account can not be considered valid. At this point, it is clear that the account has not been properly validated and should not be reported on my credit file. The failure to remove this account is a violation of my rights under the FCRA and is causing ongoing harm. In summary, I discovered an account reported by Aargon Agency that I do not recognize and do not own. I took immediate action by filing disputes and an identity theft report. Despite this, the account remains on my credit report, and Aargon Agency has failed to provide sufficient documentation to support their claim. The continued reporting of this account is inaccurate, harmful, and in violation of federal law. I am requesting that this matter be investigated thoroughly and resolved in accordance with the requirements of the FCRA.

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