Consumer complaint received 2026-01-03 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 filing this new CFPB complaint because my previous case, XXXX XXXXXXXX, was closed without resolving the dispute, even though the account in question remains unverified, inaccurate, and disputed as identity theft. I continue to state clearly and unequivocally that I do not own this account, I did not open it, I did not authorize services, and I did not receive valid documentation proving the debt belongs to me. I have also filed an FTC Identity Theft Report to formally document that this account is fraudulent or misattributed. 

The purpose of this new case is to ensure the issue is fully investigated, documented, and resolved properly, as this did not occur in the prior CFPB case. 

XXXX. WHY I AM CREATING A NEW CFPB CASE My previous CFPB complaint ( XXXX XXXXXXXX ) was closed even though : The company did not prove I opened the account The company did not provide a signed contract The company did not provide proof of authorization The company did not provide proof of residency The company did not provide proof of service usage The company did not rebut my FTC Identity Theft Report The company relied on narratives instead of evidence The company attempted to shift the burden of proof to me Because these critical issues remain unresolved, I am filing this new CFPB case to obtain proper review and corrective action. 

XXXX. I DO NOT OWN THIS ACCOUNT I do not recognize the account reported by Aargon Agency. I never opened an account with the alleged original creditor, never authorized services, and never entered into any agreement related to the reported debt. I have no recollection of applying for, receiving, or benefiting from the services claimed. 

There is no contractual relationship between me and the alleged original creditor. I never signed a service agreement, never requested service activation, and never accepted responsibility for any charges. The account simply does not belong to me. 

XXXX. I FILED AN FTC IDENTITY THEFT REPORT Because this account is not mine, I filed an FTC Identity Theft Report. This report is a sworn federal statement documenting that : I did not open the account I did not authorize the account I did not receive services I did not receive bills or notices I believe my identity was misused or misattributed The FTC Identity Theft Report serves as formal notice that this debt is disputed as identity theft. Despite this, the company has not produced evidence to rebut the report. 

XXXX. HOW I DISCOVERED THE ACCOUNT I did not learn about this account through billing or communication from Aargon Agency or the original creditor. Instead, I discovered it only after reviewing my credit report. Prior to seeing it listed as a collection, I had never received : A bill A statement A delinquency notice A validation letter A collection notice Any written or verbal communication The lack of notice deprived me of any opportunity to identify or address the issue before it damaged my credit. 

XXXX. AARGON AGENCY FAILED TO PROVIDE VALIDATION Throughout the dispute process, Aargon Agency has failed to provide documentation proving the account belongs to me. They have not produced : A signed service agreement An application with my authorization Proof of identity verification at account opening Proof I lived at the service address Proof I requested or received services Original billing statements Proof of proper notice Instead, the company relied on generalized explanations and internal summaries. 

XXXX. THE COMPANY IMPROPERLY SHIFTED THE BURDEN OF PROOF In their responses, Aargon Agency suggested that I should prove where I lived during the alleged service period or complete a fraud packet to continue the investigation. This improperly shifts the burden of proof to the consumer.

I am not required to prove a negative. Once identity theft is asserted, the obligation is on the collector to prove : Account origination Authorization Identity verification Service connection Aargon Agency has not met this burden. 

XXXX. THE FRAUD PACKET DOES NOT VALIDATE THE DEBT Aargon Agency provided a fraud packet requesting additional documentation from me. This packet does not validate the debt and does not replace the companys obligation to prove ownership before reporting.

The fraud packet : Does not show I opened the account Does not show I authorized services Does not show I lived at the service address Does not show the charges are mine It is an internal administrative request, not evidence. 

XXXX. POSSESSION OF PERSONAL DATA DOES NOT PROVE AUTHORIZATION Aargon Agency claims their client possessed my personal identifiers. Identity theft commonly involves misuse of personal data. Possession of such data does not prove that I opened or authorized the account.

Proof of authorization requires contracts, applications, or verified consent. None were provided. 

XXXX. RECORD GAPS AND SYSTEM WRITE OFF TRANSFERRED The company referenced the account as System Write Off Transferred. This language indicates incomplete or archived records. If full records no longer exist, the debt can not be reliably validated and should not be reported. 

Consumers should not be harmed due to missing records. 

XXXX. CONTINUED REPORTING HAS CAUSED HARM The continued reporting of this unverified account has caused : Credit score damage Difficulty obtaining credit Increased interest rates Time spent disputing inaccuracies Stress and frustration This harm continues while the account remains on my credit report without proof. 

XXXX. I HAVE ACTED IN GOOD FAITH I have acted responsibly by : Reviewing my credit reports Promptly disputing the account Requesting validation Filing an FTC Identity Theft Report Cooperating with investigations I am not attempting to avoid legitimate debt. I am seeking correction of inaccurate reporting. 

XXXX. WHY CFPB INTERVENTION IS NECESSARY CFPB involvement is necessary because the prior case closed without resolution and the company continues to report an unverified, disputed account. Without intervention, the inaccurate reporting will continue. 

XXXX. WHAT NEEDS TO BE INVESTIGATED This new case should investigate : Whether the account was opened fraudulently Whether identity verification occurred Whether proper notice was sent Whether documentation exists Whether reporting is accurate XXXX. SUMMARY To summarize : I do not own this account I filed an FTC Identity Theft Report The prior CFPB case was closed without resolution The company failed to validate The company shifted the burden to me The fraud packet does not prove ownership The account remains inaccurately reported XXXX. FINAL STATEMENT I am filing this new CFPB complaint because the prior case XXXX XXXX XXXXXXXX ) was closed without resolving the dispute. I respectfully request a full investigation and appropriate corrective action. I am seeking accurate credit reporting and protection from identity theft.

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