Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX Consumer / Affiant ) Summary of Complaint I am filing this complaint against two unauthorized collection agencies that are currently reporting negative accounts on my consumer credit report. These accounts are inaccurate, unauthorized, and have no legal basis to be reported. They are causing significant harm to my creditworthiness and financial stability. 

UNAUTHORIZED REPORTING XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX  BALANCE : {$580.00} Violations & Legal Basis Texas Finance Code XXXX  XXXX  requires third-party debt collectors to have a {$10000.00} surety bond filed with the Texas Secretary of State.

UNAUTHORIZED REPORTING : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX  BALANCE : {$390.00} For XXXX, stress : No record of licensing or authorization in the XXXX XXXX, yet they are reporting to XXXX. 

UNAUTHORIZED REPORTING XXXX XXXX AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ORIGINAL CREDITOR NAME : XXXX XXXX PURPORTED BALANCE : XXXX UNAUTHORIZED REPORTING XXXX XXXX AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX ORIGINAL CREDITOR NAME : XXXX XXXX PURPORTED BALANCE : XXXX Aargon Agency , Inc. is not licensed in Illinois ; Texas ; therefore, any collection activity in this jurisdiction is unlawful and invalid? 

Basis of Complaint I have never entered into any contractual agreement with eitheXXXX XXXX XXXX XXXX or Aargon Agency Inc.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), it is unlawful to report or attempt to collect a debt that can not be validated. 
No signed agreement, validation, or lawful documentation has been provided by either agency to establish a legitimate obligation. 
The continued reporting of these purported debts is unlawful, misleading, and damaging to my consumer creditworthiness. 

Pattern of Inconsistent Reporting : Each of the three consumer reporting agencies ( XXXX, XXXX, and XXXX  ) is showing different collection accounts, none of which are consistent across all three reports. This inconsistency demonstrates that the information is not accurate, not reliable, and not verifiable as required by federal law. 
Equifax shows : XXXX XXXX XXXX XXXX XXXX XXXX ( {$390.00} ). 
XXXX  XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( {$390.00} ). 
XXXX  shows : XXXX XXXX XXXX ( purported balance listed ). 

If these were legitimate debts, they would appear consistently across all three bureaus with identical information. Instead, the variations demonstrate violations of FCRA accuracy requirements and support my demand for immediate deletion.

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