Consumer complaint received 2025-11-20 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date XXXX XXXX XXXX XXXXXX/XX/year> Aargon Agency , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Re : Formal Debt Validation Request Notice of Dispute Account in Dispute : Aargon Agency Account # XXXX {$370.00} To Whom It May Concern, I am in receipt of your recent communication regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am formally disputing this alleged debt and demanding full, strict, and complete validation. I do not acknowledge any liability for this debt and require verifiable proof that Aargon Agency has legal standing to collect or report this account.

Under UCC 8-102 ( a ) ( 15 ), if this alleged debt has been securitized, transferred, or sold into any trust or asset-backed structure, then Aargon Agency is not the rightful owner and lacks standing to collect.

Additionally, Rule 1002 of the Federal Rules of Evidence requires the original contract bearing my signature to prove any alleged obligation. Billing statements or internal summaries are NOT legally acceptable validation. 

Because I dispute this account, I demand the following documentation : 1. Proof of Ownership & Legal Standing The original signed contract with my signature.

A complete chain of assignment/title, showing all transfers, dates, and signatures.

The full purchase agreement between the original creditor and Aargon Agency.

2. Full Debt Validation & Itemized Accounting A complete, itemized accounting showing how the balance of {$370.00} was calculated.

A ledger listing principal, interest, fees, payments, and charge-offs. 

Proof that the balance is accurate, lawful, and collectible. 

3. Securitization Verification Written confirmation whether this account was securitized or transferred.

The name of any trust, investor, or SPV involved.

Copies of any Pooling & Servicing Agreements or trust documentation.

4. Authorization to Collect A copy of your Illinois collection license.

Documentation proving authorization from the original creditor.

The full name and contact details of the original creditor.

5. Consumer Rights Compliance A copy of the Notice of Assignment.

Copies of all correspondence or letters you claim were mailed to me. 

Copies of any arbitration clauses or jurisdiction provisions tied to this account. 

LEGAL NOTICE Until proper validation is provided, I do not acknowledge any liability for this alleged debt. 

Under 15 U.S.C. 1692g ( b ), all collection activity must STOP immediately until full validation is mailed to me.

Providing billing statements, screenshots, or system printouts as validation is a willful violation of federal law.

Under 15 U.S.C. 1692e ( 8 ), you must immediately update every credit bureau to show this account as disputed. 

If you can not validate : You must delete this account from all credit bureaus ; You must cease all collection activity ; And you must confirm in writing that the account is permanently removed. 

Failure to comply will result in complaints to the CFPB, FTC, and the Illinois Attorney General, and may result in civil action for FDCPA and FCRA violations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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