Consumer complaint received 2025-12-04 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 opening a new CFPB case because my previous case, # XXXX, was closed without resolving the issue. I continue to dispute this debt in full. I also filed an FTC Identity Theft Report because I do NOT own this account, have never received documentation about it, and have never been able to verify its legitimacy. 

The companys response in the prior case did not provide the required validation and did not answer the core dispute. Below is my full rebuttal to their previous response and explanation of why this new case is necessary. 

( Reference : Company response in file : ) 1. I DO NOT OWN THIS ACCOUNT & FILED AN FTC IDENTITY THEFT REPORT I do not recognize this account, the original creditor, the address associated with the alleged service, or the charges. Because this account does not belong to me, I filed an FTC Identity Theft Report to formally document that this debt is not mine and may be the result of identity theft or misattribution.

Aargon has still not provided a single document proving : I opened the account I received services I was billed I was notified I authorized anything Without proof linking this debt to me, they can not legally continue reporting or collecting. 

2. I AM CREATING A NEW CFPB CASE BECAUSE THE PREVIOUS CASE WAS CLOSED WITHOUT RESOLUTION Case XXXX was closed even though : The company did NOT provide validation The company admitted they do NOT currently have the documentation No signed contract, billing statements, or usage records were provided No proof that notices were sent was provided No proof the debt belongs to me was shown Because the previous case was closed prematurely, I am opening this new case to get the full investigation and resolution that did not occur in the prior filing. 

3. THE COMPANY CLEARLY ADMITS THEY DO NOT POSSESS VALIDATION Aargons own response says : We have requested additional documentation Once received, we will send the required verification. 


This means : They do NOT have any documentation now They can not validate this debt They are reporting a debt they can not currently prove They are collecting without verification Under federal law, a collector must pause reporting and collecting until they have documentation. 
Here, they admit they do not have it. 

Yet the account remains on my credit report. 

4. THEY CLAIM THEY SENT NOTICE BUT PROVIDE ZERO PROOF Aargon states : Notice of the debt was provided and not returned. 


But they provided : No copy of the notice No mailing receipt No address used No proof it was delivered No verification that I ever saw or received it An unsupported statement is not proof of notice. 

I never received any letter, notice, or communication. 

5. THEY CLAIM THIS IS MY FIRST DISPUTE WHICH PROVES THEY NEVER SENT ANY NOTICE Aargon states : This is the first direct dispute we have received from the consumer. 


This contradicts their claim that they previously notified me. 

If they had sent a valid notice in XXXX, I would have had the opportunity to dispute the debt then. 
Their own statement proves they can not show proper prior communication. 

6. THEY STILL DO NOT PROVIDE PROOF OF OWNERSHIP, CONTRACT, OR ITEMIZED CHARGES They provided : NO contract NO signed agreement NO itemization NO proof of identity NO proof of services used NO payment history NO proof the account belongs to me They offered only : Generic descriptions of the law Explanations of charge-offs IRS-related commentary Future promises to request documents None of this is validation of the debt.

7. THEY ADMIT THE ORIGINAL CREDITOR MARKED THE ACCOUNT AS SYSTEM WRITE OFF TRANSFERRED In their letter : The itemized statement listed that the account was System Write Off Transferred This increases concern because : A system write-off often means records are incomplete The account may have been removed from the creditors active system Transfer records may be missing Documentation may be outdated or corrupted The company may not have the necessary files to validate anything If the original records no longer exist, the debt can not be proven. 

8. REPORTING A DEBT THEY CAN NOT VALIDATE IS INACCURATE AND UNFAIR Aargon states they accurately report, but without : Proof Documentation Evidence Statements Ownership records they can not know whether the reporting is accurate. 

A collector can not accurately report information they admit they do not currently possess. 

9. REQUEST FOR CFPB ACTION IN THIS NEW CASE Because : I do not own this debt I filed an FTC Identity Theft Report The previous case was closed without resolution The company admits they do NOT have validation No evidence has been provided The account may be fraudulent System write-off transferred suggests incomplete records I am requesting CFPB assistance to : Require Aargon to produce full documentation Suppress or delete the account until validation exists Investigate the lack of notice and inconsistent records Ensure the company stops reporting unverified information Review the case properly since the previous one was closed prematurely 10. FINAL POSITION I do NOT owe this debt. 
I never received notice. 
I never received validation. 
I filed an FTC Identity Theft Report. 
The companys response does not prove the debt belongs to me. 
This new case is necessary because the previous one ( XXXX ) did not resolve the matter. 

I am requesting full investigation and removal of this account until proper validation is produced.

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