Consumer complaint received 2026-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I am a victim of identity theft and am filing this complaint because AARGON Agency is attempting to collect and/or report a medical collection account that does not belong to me. The account is being reported as a collection related to XXXX XXXX XXXX in the amount of approximately {$1800.00}, with services allegedly originating in XX/XX/XXXX. I never received, requested, authorized, guaranteed, or accepted financial responsibility for the medical services associated with this account. I first discovered this collection account while reviewing my consumer reports in XX/XX/XXXX. After investigating the matter, I determined that the account is connected to identity theft and to numerous false personal identifiers that do not belong to me. These false identifiers include the name " XXXX XXXX XXXX, '' the address XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX, telephone numbers ( XXXX ) XXXX and ( XXXX ) XXXX, and employment information associated with XXXX, XXXX XXXX, XXXX XXXX, XXXX, and XXXX XXXX. None of those identifiers belong to me. My only correct identifying information is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX, telephone number ( XXXX ) XXXX, and email address [ XXXX ] ( XXXX : XXXX ). On XX/XX/XXXX, I filed an FTC Identity Theft Report ( Report No. XXXX ) documenting that this XXXX XXXX XXXX account was opened or incurred through identity theft. I also filed an IC3 complaint and provided supporting evidence, including a sworn declaration and law-enforcement documentation. I subsequently submitted a detailed written dispute to AARGON Agency explaining that the account was fraudulent and requesting a reasonable investigation. In my dispute, I requested all records that would establish that I was actually the patient or financially responsible party, including patient intake forms, guarantor agreements, copies of identification presented at registration, signatures, dates of service, insurance information, billing records, collection placement records, assignment records, itemized statements, and all documents relied upon to verify the debt. I requested that AARGON cease collection activity and stop furnishing the account unless it could produce competent evidence showing that I personally incurred the obligation. To date, AARGON has not provided sufficient documentation demonstrating that I received the medical services, authorized treatment, signed any guarantor agreement, or otherwise became legally responsible for this debt. Instead, the account continues to be associated with inaccurate and identity-theft-related information. I am particularly concerned that AARGON may be relying upon false identifiers to verify and report this account. Any verification process that relies on inaccurate names, addresses, telephone numbers, employment information, or other identity-theft-related data is inherently unreliable and does not constitute a reasonable investigation. As a result of this inaccurate collection reporting, my credit profile has been damaged, my consumer reports contain false information, and I have spent substantial time attempting to correct records that never should have been attributed to me. I should not be forced to defend myself against a debt that resulted from identity theft after providing an FTC Identity Theft Report and supporting evidence. I request that AARGON Agency immediately cease collection activity, stop furnishing this account to all consumer reporting agencies, delete the collection account from my credit reports, notify all consumer reporting agencies that the account resulted from identity theft, and provide written confirmation of the actions taken. If AARGON contends that I am responsible for this debt, it should provide complete copies of all records demonstrating that I was the actual patient or guarantor and that I personally authorized or received the services in question. This complaint concerns identity theft, medical identity theft, inaccurate debt collection, inaccurate credit reporting, and the failure to conduct a reasonable investigation after receiving formal notice and supporting documentation.

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