Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone : XXXX Last Four of SSN : XXXX Date : XX/XX/year> Aaron Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Subject : Formal Dispute, Identity Theft Notification, Debt Validation Request, and Cease and Desist To Whom It May Concern, I am writing to formally dispute the validity and reporting of the following account associated with my consumer credit file : Collection Agency : Aaron Collection Agency Account Number : XXXX Reported Amount : {$7000.00} I have reason to believe this account is the result of identity theft and a consumer data breach. I did not authorize, open, or benefit from this account. Therefore, the information being reported is fraudulent, inaccurate, and unverifiable. Under my rights provided by federal law, I am formally disputing this account and requesting verification and immediate corrective action. Debt Validation Request Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I request full validation of this alleged debt. Please provide the following : The original signed contract or application bearing my signature Proof that I authorized or benefited from this account The complete chain of assignment or ownership of the debt Documentation showing your legal authority to collect If you can not provide the required documentation, you must immediately cease collection and permanently delete this account. Identity Theft & Credit Reporting Violations This letter also serves as notice that the account is the result of identity theft. Under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ), any information that results from identity theft must be blocked from my consumer report within four ( 4 ) business days after notification. Additionally, pursuant to : 15 U.S.C. 1681i Right to dispute inaccurate credit information 15 U.S.C. 1681e ( b ) Requirement for maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) Prohibition against reporting inaccurate information you are required to conduct a reasonable investigation and remove any inaccurate, incomplete, or unverifiable information. Cease and Desist Notice Furthermore, under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, this letter serves as formal notice to cease and desist all communication and collection activity regarding this alleged debt. You are hereby instructed to : Stop all phone calls, letters, emails, and collection attempts Stop reporting or updating this account with any credit reporting agencies Communicate only in writing for the purpose of confirming deletion or providing proper validation Demand for Resolution Due to the fraudulent nature of this account, I demand the following : Immediate investigation of this account Permanent deletion of the account from all credit reporting agencies Cease and desist all collection activity immediately Written confirmation that the account has been permanently removed Failure to comply with federal law may result in formal complaints being filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and the appropriate state Attorney General. I also reserve the right to pursue civil remedies for violations of the FCRA and FDCPA. Please provide written confirmation of the deletion and compliance with this notice within 15 days of receipt of this letter. This correspondence serves as formal notice of dispute, identity theft, and cease and desist. Sincerely, 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