Consumer complaint received 2026-04-27 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 submitting this complaint regarding a collection account related to XXXX XXXX ( XXXX XXXX ) that was inaccurately placed for collection, improperly reported, and continues to be defended despite clear evidence that the balance has been paid and is now {$0.00}. The handling of this account has caused unnecessary damage to my credit profile and reflects a failure to comply with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This issue began when an account associated with utility services at a residential address in XXXX XXXX, XXXX was placed with a third-party collection agency. According to the companys response, the account was placed for collection on XX/XX/XXXX, for services provided earlier that year, including disconnection activity in XX/XX/XXXX. However, I dispute the accuracy and handling of this account from the beginning, including how it was reported, validated, and maintained throughout the collection process. At no point was I provided with complete and verifiable documentation showing the full billing history, the calculation of the balance, or a signed agreement establishing liability for the debt. Instead, the account was simply placed into collections and reported as a derogatory item, which immediately began to negatively impact my credit standing. After becoming aware of this account, I took steps to address the situation and resolve any outstanding balance. Payments were made directly toward the account, including payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as acknowledged in the companys own response. These payments demonstrate that the account was being actively addressed and should have been updated accordingly in real time. However, despite these payments, the account continued to be treated and reported as a collection item. This raises serious concerns about how the account was being managed and reported. If payments were being received, the account status should have been updated to reflect the decreasing balance and eventual resolution of the debt. Instead, the account remained in a derogatory status, which is misleading and not reflective of the true condition of the account. Eventually, the company stated that the account was recalled by the original creditor on XX/XX/XXXX. This means that the collection agency no longer had authority to collect on the account and that the account was no longer in collections. Additionally, I have provided documentation directly from XXXX XXXX showing that the account balance is now {$0.00}, confirming that the debt has been satisfied. Despite this, the companys response attempts to justify the initial placement and handling of the account without addressing the core issue : the account has been paid, has a XXXX balance, and has been recalled, yet it was still reported in a way that negatively impacted my credit and required me to file a complaint to correct it. Furthermore, the company claims that this was the first dispute they received regarding the account. However, this does not change the fact that the account was disputed once it appeared on my credit report and that I requested validation and correction at that time. The timing of when the company claims to have received a dispute does not eliminate their responsibility to ensure accurate reporting and proper handling of the account. Another concern is the companys statement that my FTC identity theft affidavit did not reference this specific account. This is not a valid justification for maintaining inaccurate reporting. The dispute was based on the accuracy and validity of the account itself, as well as the way it was reported. Even if identity theft documentation did not list this specific account, the company still has a legal obligation to ensure that any information they report is accurate, complete, and verifiable. Additionally, the company states that they submitted deletion requests to XXXX XXXX XXXX and that the deletion request was granted. This further supports my position that the account should not be reported as a derogatory item. If the account has been deleted from those credit bureaus, there is no justification for any continued reporting or defense of the account as valid derogatory information. The fact that deletion requests were submitted indicates that the company recognized that the account should no longer be reported. However, the process should not have required a complaint or escalation to reach this point. The account should have been properly updated or removed once the balance was paid and the account was recalled. Throughout this process, I have taken all reasonable steps to resolve the issue. I reviewed the account, made payments, monitored my credit report, and filed disputes when necessary. Despite these efforts, the burden has been placed on me to correct errors and challenge reporting that should have been handled correctly from the start. The continued defense of this account as valid, despite the acknowledgment of payments, recall, and deletion requests, demonstrates a lack of accountability and transparency. The response focuses on procedural steps taken by the company but does not address the harm caused by inaccurate or misleading reporting. This situation has had a direct impact on my credit profile. The presence of a collection account, even temporarily, can significantly lower a credit score and affect the ability to obtain credit, housing, or favorable financial terms. Even after resolution, the negative impact can persist if the reporting is not fully corrected. In addition, the lack of clear communication and documentation has made it difficult to understand how the account was calculated and handled. I was not provided with a complete breakdown of charges, payments, and adjustments, nor was I given a clear explanation of how the account status was updated over time. The companys reliance on internal records without providing supporting documentation does not meet the standards required under federal law. Consumers have the right to request and receive verification of debts, including documentation that proves the validity and accuracy of the account. This was not adequately provided in this case. Another important issue is the timing of updates and reporting. Even after payments were made, the account continued to be treated as a collection. This delay in updating the account status is not acceptable and contributes to inaccurate reporting. Credit reporting must reflect the most current and accurate information available. The recall of the account by the original creditor further confirms that the collection agency no longer had authority over the account. At that point, any reporting by the collection agency should have ceased, and the account should have been removed from credit reports. The documentation I provided showing a {$0.00} balance is clear evidence that the account has been resolved. There is no remaining debt, no ongoing obligation, and no justification for continued reporting as a collection. In summary, the issue involves several key failures : The account was placed in collections without proper validation being provided to me Payments were made, but the account status was not updated in a timely or accurate manner The account was recalled, yet the negative impact remained Documentation provided by me shows a {$0.00} balance The company submitted deletion requests, indicating acknowledgment that the account should not remain reported The response does not address the inaccuracies or harm caused I am not disputing that services may have been provided at some point. However, the issue is how the account was handled, reported, and maintained throughout the process. The reporting must be accurate, complete, and reflective of the true status of the account. At this time, the account has been paid and resolved. Any continued reporting or defense of the account as a derogatory item is inaccurate and misleading. The handling of this account has required unnecessary time and effort on my part and has caused avoidable harm to my credit profile. This complaint is being submitted to ensure that the issue is fully documented, corrected, and not repeated. Companies that furnish and collect debts must follow proper procedures and comply with federal law. Consumers should not have to escalate issues to this level to have their credit reports accurately updated. I am requesting that this matter be fully reviewed and that all reporting related to this account be corrected or removed to reflect the true status of the account, which is paid in full with a zero balance.

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