Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: NJ

Complaint narrative:
follow up complaint CFPB complaint # XXXX i am filing a follow-up complaint against Aragon Inc. Regarding an unresolved and improperly validated dept This follows a previous complaint ( # XXXX, in which Aaragon responded but fail to provide full and proper validation am entitled to under the FDCPA ( 15 U.S CODE - 1692g ). 
Despite my formal written request on XXXX XXXX, they have not provided : - An itemized breakdown of the charges. 
- Final billing statement from the original creditor XXXX XXXX XXXX ). 
- Proof of assignment or legal right to collect this dept. 
-Proof of delivery of the validation notices allegedly sent on XXXX XXXX- Thier responses included Vague third-party websites, which don't meet the FDCPA '' s standard of validation. 
i am requesting that the CFPB re-open this issue and require Aargon inc to comply with federal law, cease collection Activies, and remove any reporting until validation is properly provided Company 's Response Our office has reviewed the account regarding consumer, XXXX XXXX. Below are our findings regarding the above-referenced complaint filed with your office in which the consumer disputed the debt and requested verification or deletion. Please be advised the above-referenced account for XXXX XXXX was placed with our office by our client, XXXX XXXX XXXX , on XX/XX/XXXX for services provided to the consumer XX/XX/XXXX through disconnection XX/XX/XXXX at a XXXX XXXX XXXX XXXX Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on XX/XX/XXXX. We resent the notice XX/XX/XXXX when we received a new address. We marked the account as disputed and requested additional information from our client. Please be advised we collect on behalf of our clients who we have signed business agreements with and do not own the accounts. Once the additional information has been received, we will review and send the statutorily required verification directly to the consumer. As to the alleged violations, we are a data furnisher and not a credit bureau. Credit bureaus, like XXXX XXXX XXXX, supply consumer reports to third parties who have signed authorization from the consumer. We accurately report credit information provided by our clients to the credit bureaus and do not require permission from a consumer to do so. A signed copy of a contract is also not required for verification. The consumer may visit XXXX XXXX XXXX to receive more information about their consumer rights. For additional reference, the FDCPA describes verification requirements, which we meet with our verification letters and itemized statements from our clients : 1006.31 Verification of debts. Requirement : If a consumer disputes the debt in writing within 30 days of receiving the validation notice, the debt collector must obtain and provide verification of the debt within 30 days unless they cease collection attempts. Content : The verification of the debt should include : Name of the original creditor Date of the original debt Amount of the original debt Current amount of the debt Identification of any charges that make up the current amount of the debt, including late charges and finance charges ( not necessarily requiring specific breakdowns ) Official Interpretations of 1006.31 : Scope of Verification : This interpretation clarifies that the debt collector doesn't need to provide exhaustive evidence, but enough to support the core aspects of the debt ( original creditor, date, amount, etc. ). A copy of the signed contract is not required for verification. The consumer may contact our clients, the original creditors, to make payments directly to them if they prefer. Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations. 


MY RESPONCE TO THE ABOVE XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Dispute and Request for Complete Debt Validation Account # XXXX To Whom It May Concern : This letter is in response to your communication regarding a debt you claim I owe on behalf of XXXX XXXX XXXX, allegedly placed with your office on XX/XX/XXXX. I am writing to formally dispute this debt and to request full verification and documentation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g. 

I previously requested validation, but your response has not met the statutory requirements. I am once again requesting the following documentation : An itemized breakdown of the debt, including all charges, fees, payments, and interest. 
The date of the original delinquency, which determines credit reporting timelines under the Fair Credit Reporting Act ( FCRA ). 
The name and contact information of the original creditor. 
A copy of the final billing statement or service record from XXXX showing the amount claimed Proof that you have legal authority to collect this debt, and that it was assigned or sold to you. 
Proof of delivery of the initial validation notice you claim was sent on XX/XX/XXXX. 
Simply listing my address does not prove delivery or receipt, especially if the communication was via email or an unverified method If the notice was emailed, please provide the email address used and delivery/read receipt data. 
If you can not validate this debt, you are required to cease collection activity and remove any reference to this debt from all credit reporting agencies. 
Please respond within 30 days, as required under 15 U.S.C. 1692g ( b Sincerely yours 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