Consumer complaint received 2025-04-18 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE OF DISPUTE ; FAILED TO VALIDATE THIS ACCOUNT IS NOW AGGRAVATED IDENTIFY THEFT! 
I've sent your company a validation letter via CFPB. Your company is illegally trying to collect and is furnishing false items that violate my consumer rights, the FDCPA and FCRA. Be advised that your claim is disputed. Debt validation has to be provided in accordance with the Fair Debt Collection Practices Act.

The Federal Trade Commission ( FTC ), a consumer protection agency, enforces the Fair Debt Collection Practices Act ( FDCPA ), Unfair Deceptive or Abusive Acts or Practices ( UDAAP ) and several more. You are fully aware of the law but instead says you dont have to follow it? Be advised that your claims of validation have been rejected, you are in fact too a debt collector and are subject to Fair Debt Collection Practices Act ( FDCPA ).

15 U.S. Code 1692a - Definitions ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. 
15 U.S. Code 1692e- False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.

Even though you sent a dunning letter, it still dont mean you have legal obligation.

12 CFR 1006.38- Disputes and requests for original-creditor information.

( d ) Disputes ( 1 ) Failure to dispute. The failure of a consumer to dispute the validity of a debt does not constitute a legal admission of liability by the consumer.

15 U.S. Code 1692c- Communication in connection with debt collection a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

According to 15 U.S.C. ( the Fair Debt Collection Practices Act, FDCPA ), a debt collector does not have the legal right to a debt itself ; instead, the law outlines specific restrictions on how a debt collector can attempt to collect a debt, prohibiting them from using abusive, deceptive, or unfair practices to do so.

Key points about 15 U.S.C. and debt collectors : No inherent right to the debt. The law does not grant debt collectors ownership of the debt ; they are only allowed to try to collect it on behalf of the original creditor, following specific guidelines like common ownership or control, not third party debt collectors.

15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report.

( 1 ) In general.

The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

The above is a federal law that states and defines what goes into a consumer report. The three factors are credit, insurance and employment purposes and this account isnt a credit transaction, insurance transaction nor employment related.

I have recently come across inform from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

The above is talking about furnishing items to a consumer report. There are three notices that were supposed to be given and have to be clear as day. XXXX XXXX XXXX XXXX are not affiliates of the original creditor nor are they " bureaus. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given the original creditor, non written, verbal, and nonverbal per 5 U.S. Code 552a. So saying your company obtained my nonpublic personal information is against federal law. The only way information can be shared is by common ownership or control.

15 U.S. Code 6809 - Definitions ( 5 ) Nonaffiliated third party The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.

Your company is violating 18 usc 884 using the mail and illegal collection tactics.

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