Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
CFPB COMPLAINT XXXX, XXXX & AARGON AGENCY INC Subject : Reinsertion Without Notice, Inaccurate Reporting, Failure to Validate, and Unreasonable Reinvestigation XXXX XXXX XXXX & Aargon Agency Summary of the Issue : XXXX reinserted a previously deleted Aargon Agency collection account without providing the required 5day written notice under FCRA 611 ( a ) ( 5 ) ( B ). The account contains inconsistent and inaccurate balance information, has never been validated by the furnisher, and XXXX continues to report it despite multiple disputes and clear evidence that the furnisher can not verify the debt. XXXX deleted the same account after Aargon failed to validate it. Details : Reinsertion Violation ( FCRA 611 ( a ) ( 5 ) ( B ) ) XXXX previously deleted the Aargon Agency collection account from my credit file. XXXX later reinserted the same account without providing me with the required 5day written notice by mail or email. I received no notice at all, which is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ) ( ii ). Reinsertion without notice requires mandatory deletion. Inaccurate and Inconsistent Balance Reporting ( FCRA 607 ( b ) ) The original amount of the alleged debt is {$6600.00}. During the dispute process, the balance was changed to {$7100.00} ( XXXX report screenshot ). After reinvestigation, XXXX changed the balance back to {$6600.00}. These inconsistent balances demonstrate that the information is not accurate and that XXXX is not maintaining maximum possible accuracy. Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ( a ) ( 1 ) ( A ) ) XXXX marked the dispute as Updated without providing any documentation or explanation. No validation or supporting documents were provided by Aargon. The balance fluctuations ( {$6600.00} {$7100.00} {$6600.00} ) show that XXXX did not conduct a reasonable reinvestigation. Furnisher Failure to Validate or Properly Investigate ( FCRA 623 ( b ) & FDCPA 809 ( b ) ) Aargon Agency has never provided validation of this debt. Under FDCPA 809 ( b ), a debt collector must cease collection activity until validation is provided. Aargon continued reporting and verifying the account without providing any documentation. This violates both FDCPA and FCRA furnisher obligations. XXXX Deleted the Same Account Due to Lack of Verification XXXX removed the Aargon account after Aargon failed to verify it. This is evidence that the furnisher can not validate the debt. XXXX continues to report the same unvalidated account. Harm This inaccurate and improperly reinserted account is harming my credit, preventing me from qualifying for a mortgage, and causing ongoing financial damage. Requested Resolution : Immediate deletion of the Aargon Agency account from my XXXX credit file due to : reinsertion without notice, inaccurate and inconsistent reporting, failure to validate, and failure to conduct a reasonable reinvestigation. Require Aargon to cease reporting unverifiable information. Require XXXX to provide documentation of any verification they claim to have received. Supporting Evidence I Can Provide : XXXX dispute results showing Updated status XXXX reinvestigation pages XXXX report showing deletion and the {$7100.00} balance Screenshots of the Aargon tradeline AG complaint filed due to XXXX reinsertion violation As of today, the Aargon account was reinserted again on my XXXX report without any notice. This is a second reinsertion violation and further proof that the furnisher is reporting unverifiable information.

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