Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Aargon Agency, Inc.
State: NJ

Complaint narrative:
A derogatory collection account reported by Aargon Agency is appearing on my XXXX XXXX XXXX credit reports, even though the collector failed to provide required validation under the Fair Debt Collection Practices Act ( FDCPA ) and therefore can not legally continue reporting it. XXXX has refused deletion after multiple disputes, and XXXX  continues reporting while delaying investigation results. 

Account Information Furnisher : Aargon Agency , Inc . 
Reported Date Opened : XX/XX/year> Timeline and Violations Step 1 Bureau Disputes I disputed the account with XXXX  XX/XX/year> and XXXX  on XX/XX/year>, stating that the account does not belong to me. 
XXXX response ( XX/XX/year> ) : Verified as accurate and updated : Date Updated; Rating : Historical Trended Data. 
No supporting documentation was produced. 
XXXX response ( XX/XX/year> ) : Verified as accurate and updated : Date Updated; Rating : Historical Trended Data. 
No supporting documentation was produced. 

Step 2 Debt Validation Request I exercised my rights under FDCPA 15 U.S.C. 1692g ( b ) and mailed on XX/XX/year> a written Debt Validation Request to Aargon Agency via Certified Mail.

Result : * Aargon Agency never responded * No documentation was provided * No validation exists Under the law, a debt collector must cease all collection activity, including credit furnishing, until validation is provided.

Step 3 Bureau Disputes I disputed the account with XXXX XXXX XXXX on XX/XX/year>, requesting a formal demand for deletion of an unverified and unlawful collection account currently reported by Aargon Agency , Inc. on my credit file. 
XXXX  response ( XX/XX/year> ) : Verified as accurate and updated : Date Updated; Rating : Historical Trended Data. 
No supporting documentation was produced. 
XXXX response ( XX/XX/year> ) : Still pending investigation. 
No supporting documentation was produced. 

Applicable Federal Law -- FDCPA 1692g ( b ) Reporting a debt without validation after a DV request is prohibited.

-- FCRA 1681e ( b ) Bureaus must ensure maximum possible accuracy unverified data can not meet this standard.

-- FCRA 1681i ( a ) ( 5 ) ( A ) If information can not be verified, the bureau must delete it.

Despite this : * XXXX  continues reporting and claims verification * XXXX continues reporting while delaying completion * Aargon continues furnishing with no validation These actions constitute ongoing violations.

Due to the continued reporting of the unvalidated collection account, I have experienced : * XXXX credit scores * Interference with credit approvals * Financial and reputational harm * Anxiety and unfair negative profiling I am enclosing the following : Copy of first dispute including dispute results ( packets ) Copy of second XXXX  verification response XXXX  pending dispute notice Copy of DV letter sent to Aargon Certified mail tracking receipts Proof of identity ( drivers license ) - Found within the packets Credit report excerpts showing the account - Found within the packets

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