Consumer complaint received 2026-01-12 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XX/XX/XXXX Aargon Agency , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : FORMAL DEBT DISPUTE, DEMAND FOR VALIDATION & TERMS AND CONDITIONS Account Number : XXXX XXXX XXXX Alleged Amount : {$180.00} Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  To Whom It May Concern, This letter serves as my formal dispute of the above-referenced alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I do not acknowledge this debt, nor do I admit any liability. You are hereby required to provide competent, documentary evidence that this alleged obligation is valid and that Aargon Agency , Inc. has the lawful authority to collect and report it.

Pursuant to 15 U.S.C. 1692g ( b ), all collection activity must cease immediately until proper validation is provided. This includes, but is not limited to, collection efforts and the furnishing or verification of information to any consumer reporting agency. 

ACCOUNT AS REPORTED XXXX Account # : XXXX XXXX XXXX XXXX XXXX High Balance : {$180.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Balance Owed : {$180.00} Account Status : Open Payment Status : Collection / Charge-Off Creditor Type : Other Collection Agencies Account Rating : Derogatory Creditor Remarks : Placed for collection Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX  High Balance : {$180.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Balance Owed : {$180.00} Account Status : Closed Payment Status : Collection / Charge-Off Creditor Type : Other Collection Agencies Account Rating : Derogatory Original Creditor : XXXX  XXXX XXXX XXXX XXXX The inconsistent reporting of this account as open on XXXX and closed on XXXX along with conflicting activity dates, raises serious concerns regarding the accuracy, integrity, and verifiability of the information being furnished. 

REQUIRED DOCUMENTATION ( STRICT COMPLIANCE REQUIRED ) You are required to provide the following : A copy of the original signed agreement or service contract bearing my signature A complete, itemized billing history from the original creditor Proof of assignment, purchase, or transfer of this alleged debt to Aargon Agency , Inc . 

The name and address of the original creditor Proof the alleged debt is within the applicable statute of limitations A complete copy of Aargon Agency , Inc.s terms and conditions governing this alleged account and any authority you claim to enforce Your state collection license, license number, and issuing authority ( if required ) Be advised that continuing to collect, report, verify, or attempt to collect this alleged debt without first providing full validation constitutes a knowing violation of : 15 U.S.C. 1692e ( False, deceptive, or misleading representations ) 15 U.S.C. 1692f ( Unfair or unconscionable collection practices ) If you are unable to produce the documentation requested above, you are required to immediately cease all collection efforts, close this account, and permanently delete all credit reporting related to this alleged obligation. 

Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the State Attorney General, and pursuit of all civil remedies available under federal law. 

Govern yourself accordingly. 

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