Consumer complaint received 2025-11-18 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: MO

Complaint narrative:
The issue I am describing concerns the way the account identified as AARGON AGENCYXX/XX/XXXX was handled, transferred, communicated, billed, and ultimately reported. The reporting of this account as a derogatory collection has caused confusion, frustration, and difficulty because the information on file does not match the events that occurred, nor does it align with the way the account should have been recorded or managed. 

Throughout the process, I attempted to communicate, request documentation, and resolve the matter in good faith, but a series of gaps in communication, missing records, unclear billing, inconsistent information, and a lack of proper verification have made it impossible to determine the legitimacy or accuracy of the collection entry being reported. 

Below is a complete, detailed account of what happened, organized to help the companies involved clearly understand the sequence of events and the harm that resulted. 

I. Initial Confusion About the Origin and Details of the Account The first issue that occurred with the AARGON AGENCY XXXXXX/XX/XXXX XX/XX/XXXX account was that I had no clear notice or understanding of the original creditor, the original balance, or the circumstances under which Aargon began reporting the account. When an account is transferred to a collection agency, it is expected that the consumer will receive : A notice of delinquency A notice that the account is being transferred or assigned A written explanation of the amount owed A statement describing the original creditor A breakdown of how the balance was calculated None of this occurred in my situation. I did not receive : A letter from Aargon Agency A statement from the original creditor Notice of placement A demand letter An itemized bill A validation notice A 30-day dispute window Because of this lack of communication, I did not even realize that an account allegedly tied to Aargon Agency existed until I saw it appearing as a derogatory collection on my credit report. 

II. No Prior Billing Statement or Explanation of Charges Before an account is placed into collections, consumers normally receive multiple statements showing : Outstanding balances Due dates Amounts owed Billing cycles Usage charges ( if applicable ) Late fees or adjustments I did not receive any form of final billing, outstanding amount, or closing statement before the Aargon Agency collection entry appeared. 

This made it impossible to verify : What the original balance was When it became due How long it had allegedly been delinquent Whether late fees or interest were added What the original charges were for Whether the charges were accurate Without documentation, I had no meaningful way to address or resolve the account before it escalated to a derogatory status. 

III. No Notice of Transfer or Assignment to Aargon Agency One of the major issues is that AARGON AGENCY XXXXXX/XX/XXXXbegan reporting the account without ever notifying me of : The transfer The assignment The purchase The placement The start of collection activity I did not receive any letters indicating : The date Aargon received the account Whether the account was purchased or assigned The balance at the time of transfer The original creditors name Contact information Instructions for disputing or verifying the alleged debt When an account is sold or assigned to a collection agency, notice is essential. It allows the consumer to : Verify the legitimacy of the debt Review the itemization Attempt to resolve it directly Dispute inaccurate information Prevent unnecessary negative reporting Because Aargon Agency did not provide this notice, the account reached the collection/charge-off status before I understood a balance existed. 

IV. Lack of Validation or Documentation When Requested Once I discovered the Aargon Agency collection on my credit report, I immediately attempted to gather information. I reached out to determine : What the alleged balance was based on Who the original creditor was When the balance became due Whether any notices were sent Whether the account was ever properly validated Whether Aargon had the required proof of assignment When I attempted to request details, validation, or records, I received no clear documentation. The information provided was limited, incomplete, or inconsistent. For example : Aargon could not provide itemized statements They could not furnish a full billing history They could not provide copies of original contracts They could not provide evidence of transfer They did not offer the breakdown of charges They did not provide the date of assignment They could not show proof that a validation notice was mailed Without proper validation, I could not determine whether the balance was legitimate or whether Aargon had the legal authority to report or collect it. 

V. The Balance Reported by Aargon Agency Appeared Inconsistent When the derogatory account appeared on my credit report, the balance listed by Aargon Agency did not appear to match what I would expect based on typical account activity. The amount seemed inflated, and without itemization, I was unable to determine : Whether the balance included incorrect fees Whether Aargon added collection fees Whether the original creditor added interest Whether the amount was based on outdated billing records Whether the balance was ever adjusted Without receiving proper documentation, I could not confirm whether the amount being reported was accurate, partially accurate, or entirely incorrect. 

VI. No Evidence of Proper Communication Attempts Before Reporting When companies legally pursue collection, they typically make an effort to contact the consumer before reporting derogatory information. This may include : Phone calls Emails Mailed notices Final warnings Settlement offers Explanation of the debt In my situation, AARGON AGENCY XXXXXX/XX/XXXXdid not make any meaningful attempt to contact me before reporting the account. 

I did not receive : Calls Letters Emails Voicemails Text messages Written notices That means the negative reporting occurred without offering me the chance to : Resolve it Dispute it Verify it Pay it Clarify it Understand it As a result, the negative information appeared unexpectedly and without due process. 

VII. Reporting Only to Certain Bureaus and Not Others Another issue is that the account appeared only on some credit reports, not all of them. For example : AARGON AGENCY reported to one or two bureaus, not all three.

The balance and status differed slightly between reports. 

The date last updated did not match across bureaus. 

This inconsistency raised additional concerns because when a debt is legitimate, the reporting tends to be : Uniform Consistent Simultaneous The fact that this account was reported unevenly suggests : Aargon lacked complete documentation The data may not have been accurate The transfer file may have been incomplete Internal records may have been missing or inconsistent This added further uncertainty to the validity of the collection.

VIII. Automated Verification Not Addressing the Concerns When I disputed the account with credit reporting agencies, it appeared that the companies relied on automated systems rather than reviewing any actual documentation. 

The dispute process often triggered responses like : Verified Meets FCRA requirements Updated as of X date However, none of these responses included : Proof Documents Statements Assignment records Signed agreements Itemized details It seemed the verification was simply an electronic response confirming the account existed in Aargons system, not an actual review of whether the debt was legitimate or whether the documentation supported the derogatory reporting.

IX. Impact on My Financial Stability and Opportunities The reporting of the AARGON AGENCY XXXXXX/XX/XXXX account as a derogatory item caused significant negative consequences, including : Reduced credit score Difficulty obtaining credit Higher interest rates Denied applications Negative perception from financial institutions Increased financial stress Difficulty qualifying for certain services These consequences occurred despite the fact that the account was never properly validated or documented. If I had been given correct notice or documentation, I would have taken appropriate steps to resolve the issue. 

X. Multiple Attempts to Resolve the Issue Were Unsuccessful Before escalating this matter, I made several good-faith attempts to resolve it directly. These included : Contacting the collection agency Requesting documentation Attempting to communicate with the original creditor Disputing the account with credit bureaus Following up on disputed information Attempting to understand the timeline Each time I attempted to obtain clarity, the responses were vague, incomplete, or non-existent. 

No documentation was provided showing : When the account became delinquent How the balance was calculated Whether notices were issued Whether the debt was assigned correctly Whether Aargon had authority to collect This made resolution impossible.

XI. Why I Am Filing This Complaint At this point, I have exhausted all other methods of resolving the issue. I have sought : Transparency Documentation Verification Communication Explanation Itemization But the collection agency was unable to provide the information necessary to confirm the validity of the account. 

This complaint is a request for : An independent review Clarification Proper validation Correction or removal of inaccurate information Fair handling of the account My goal is simply for the information reported to reflect the truth.

XII. What I Am Asking for Now I am asking for assistance ensuring that : The validity of the account is confirmed with real documentation The balance is proven with itemized records Assignment or transfer documentation is provided Any communication failures are acknowledged The collection entry is removed if validation can not occur Any inaccurate or unsupported information is corrected Aargon and the original creditor explain their records The credit reporting agencies receive updates based on verified information I am seeking fairness, accuracy, and transparencynot anything unreasonable.

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