Complaints

This profile includes complaints for Aargon Agency, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Aargon Agency, Inc.

  8668 Spring Mountain Rd STE 110 Las Vegas, NV 89117-4132

  
• 

  Aargon Agency Inc

  1375 Triad Center Dr Saint Peters, MO 63376

• 

  Aargon Agency, Inc.

  PO Box 3122 Chula Vista, CA 91909

• 

  Aargon Agency, Inc.

  3221 Waialae Ave Ste 338 Honolulu, HI 96816-5831

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/16/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with *********************** I do not have a contract with **********************, they did not provide me with the original contarct as requested.

  Business Response

  Date: 06/24/2025

  To: Better Business Bureau:
  
  Our office has reviewed the account regarding consumer, ***** ******. Below are our findings regarding the above-referenced complaint filed with your office in which the consumer stated, I am not liable for this debt with Aargon Collection Agency. I do not have a contract with Aargon Collection Agency. They did not provide the original contract as I requested. (This is a template complaint usually proliferated on social media/internet with inaccurate information about the ***** and **** for consumers working on repairing their credit reports; i.e., ******** TikTok, etc.)
  
  The above referenced account was placed with office by our client, *************************, on December 9, 2024 as the result of the consumers contract default and outstanding balance from a service provided September 25, 2022. The statute of limitations in ****** is 4 years without a contract and 6 years with a contract, so this is within that period.
  
  Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on March 20, 2025 and not returned. The 60-day notice required for Nevada medical debts was also sent December 19, 2024, prior to the 1692 notice. Information regarding this account was furnished to a credit reporting agency in accordance with the Fair Credit Reporting Act as a result of no response.
  
  We had previously marked the account as disputed upon receipt of an eOscar dispute via the credit bureaus June 18, 2025. This is the first direct dispute and request for information we have received from the consumer for this account. Our ********************** does not own the debt and collects on behalf of our clients who we have signed business/service agreements with. We have requested additional verification from our client to review and we will send the statutorily required verification directly to the consumer.
  
  As to the alleged violations, we are a data furnisher and not a credit bureau. Credit bureaus, like ********** or Experian, supply consumer reports to third parties who have signed authorization from the consumer. We accurately report credit information provided by our clients to the credit bureaus and do not require permission from a consumer to do so.
  
  The consumer may visit ************************************************************************************* or *************************** to receive more information about their HIPAA and consumer rights.
  
  For additional reference, the ***** describes verification requirements, which we meet with our verification letters and itemized statements from our clients:
  
  ******* Verification of debts.
  Requirement: If a consumer disputes the debt in writing within 30 days of receiving the validation notice, the debt collector must obtain and provide verification of the debt within 30 days unless they cease collection attempts.
  Content: The verification of the debt should include:
  Name of the original creditor
  Date of the original debt
  Amount of the original debt
  Current amount of the debt
  Identification of any charges that make up the current amount of the debt, including late charges and finance charges (not necessarily requiring specific breakdowns)
  
  Official Interpretations of *******:
  
  Scope of Verification: This interpretation clarifies that the debt collector doesn't need to provide exhaustive evidence, but is enough to support the core aspects of the debt (original creditor, date, amount, etc.).
  
  The consumer may contact our clients, the original creditors, to make payments directly to them if they prefer.
  
  Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations.

  Customer Answer

  Date: 06/26/2025

   
  Complaint: 23470452
  
  I am rejecting this response because:
  I do not acknowledge or accept liability for this alleged debt. I am formally requesting full validation and verification under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA).

  
  Your agency has failed to provide:
  A signed contract or agreement bearing my signature confirming I agreed to this debt
  A full itemized bill for the services allegedly rendered
  Proof that Aargon Collection Agency is legally authorized to collect on behalf of *************************
  A valid business associate agreement allowing you to access my medical records under ***** regulations

  
  A simple summary or itemized statement is not sufficient to verify this debt under the law. Until you provide the full and proper verification of this debt including a signed contract, itemized billing, and proof of your legal authority to collect I am demanding that you immediately delete this account from all credit reporting agencies.

  
  Reporting a debt without proper validation is a violation of the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA).
  Since youve acknowledged this account is in dispute, you are required by law (FCRA Section 623) to update all credit bureaus to reflect that disputed status.

  
  Sincerely,
  
  ***** ******

  Business Response

  Date: 08/01/2025

  To: Better Business Bureau:
  
  Previous Response on June 24, 2025: ********** has reviewed the account regarding consumer, ***** ******. Below are our findings regarding the above-referenced complaint filed with your office in which the consumer stated, I am not liable for this debt with Aargon Collection Agency. I do not have a contract with Aargon Collection Agency. They did not provide the original contract as I requested. (This is a template complaint usually proliferated on social media/internet with inaccurate information about the ***** and **** for consumers working on repairing their credit reports; i.e.,YouTube, TikTok, etc.)
  
  The above referenced account was placed with office by our client, *************************, on December 9, 2024 as the result of the consumers contract default and outstanding balance from a service provided September 25, 2022. The statute of limitations in ****** is 4 years without a contract and 6 years with a contract, so this is within that period.
  
  Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on March 20, 2025 and not returned. The 60-day notice required for Nevada medical debts was also sent December 19, 2024, prior to the 1692 notice. Information regarding this account was furnished to a credit reporting agency in accordance with the Fair Credit Reporting Act as a result of no response.
  
  We had previously marked the account as disputed upon receipt of an eOscar dispute via the credit bureaus June 18, 2025. This is the first direct dispute and request for information we have received from the consumer for this account. Our ********************** does not own the debt and collects on behalf of our clients who we have signed business/service agreements with. We have requested additional verification from our client to review and we will send the statutorily required verification directly to the consumer.
  
  As to the alleged violations, we are a data furnisher and not a credit bureau. Credit bureaus, like ********** or Experian, supply consumer reports to third parties who have signed authorization from the consumer. We accurately report credit information provided by our clients to the credit bureaus and do not require permission from a consumer to do so.
  
  The consumer may visit ************************************************************************************* or *************************** to receive more information about their HIPAA and consumer rights.
  
  For additional reference, the ***** describes verification requirements, which we meet with our verification letters and itemized statements from our clients:
  
  ******* Verification of debts.
  Requirement: If a consumer disputes the debt in writing within 30 days of receiving the validation notice, the debt collector must obtain and provide verification of the debt within 30 days unless they cease collection attempts.
  Content: The verification of the debt should include:
  Name of the original creditor
  Date of the original debt
  Amount of the original debt
  Current amount of the debt
  Identification of any charges that make up the current amount of the debt, including late charges and finance charges (not necessarily requiring specific breakdowns)
  
  Official Interpretations of *******:
  
  Scope of Verification: This interpretation clarifies that the debt collector doesn't need to provide exhaustive evidence, but is enough to support the core aspects of the debt (original creditor, date, amount, etc.).
  
  The consumer may contact our clients, the original creditors, to make payments directly to them if they prefer.
  
  Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations.
  
  Current Response: Consumer is not accepting the statutorily required verification that we sent to them July ******. In our previous response, I listed what was statutorily required information. A signed contract is not required. We will request the signed conditions of admissions with the financial responsibility section stating that the bill may be forwarded to a collection agency to obtain payment owed if not paid timely. Our client only provides the minimal amount of information needed to collect on their behalf to be compliant with *****. We are not provided with medical records or other information. The consumer may visit ************************************************************************************* or *************************** to receive more information about their HIPAA and consumer rights.
  
  Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations.

• Initial Complaint

  Date:06/10/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable to this debt with ************. I do not have a contract with AARGON AGENCY **** they did not provide me with the original contract as requested.

  Business Response

  Date: 06/24/2025

  To: Better Business Bureau:
  
  Our office has reviewed the account regarding consumer, *** *****. Below are our findings regarding the above-referenced complaint filed with your office in which the consumer stated, I am not liable for this debt with Aargon Collection Agency. I do not have a contract with Aargon Collection Agency. They did not provide the original contract as I requested. (This is a template complaint usually proliferated on social media/internet with inaccurate information about the ***** and **** for consumers working on repairing their credit reports; i.e., ******** TikTok, etc.)
  
  The above referenced account was placed with office by our client, ************* as the result of the consumers contract default and outstanding balance from a service provided at a ******** Drive address.
  
  This account was closed and returned to our client. The consumers request for deletion was granted.
  
  Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations.

• Initial Complaint

  Date:06/09/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently reviewed a copy of my credit report and noticed I have one fraudulent account on my credit report. Please remove this account from my credit report, it's hurting my ability to obtain credit.***** Alfredo *** ***** 06/08/2025 ********************************* Experian P.O. **************************Subject: Formal Dispute of Fraudulent Information Under 15 U.S.C. 1681c-2 To Whom It May Concern,I am writing to formally dispute the inclusion of fraudulent information on my credit report and to request its immediate removal in accordance with the Fair Credit Reporting Act,specifically 15 U.S.C. 1681c-2.Under federal law, credit reporting agencies are required to delete and remove information that results from identity theft within four (4) business days of receiving valid documentation from the consumer. The following account(s) listed on my credit report are fraudulent and were opened without my knowledge, authorization, or consent:Fraudulent Account to Be Removed:Account Name: [********************** **** Account Number: [*********]This unauthorized account is negatively impacting my credit profile and does not represent any legitimate activity on my part. Therefore, I am requesting the following actions be taken without delay:1.Immediately delete the above-mentioned fraudulent account(s) from all versions of my credit report.2.Provide written confirmation that the account(s) have been permanently removed. 3.Send me an updated copy of my credit report reflecting these ************ not place a fraud alert on my file as this is not a current or ongoing ********* mandated by 15 U.S.C. 1681c-2, your agency must act promptly upon receipt of this notice and documentation. I expect full compliance within the time limits established by law.If additional documentation or clarification is needed, please contact me in writing at the address listed above. Thank you for your immediate attention to this urgent matter.Sincerely,***** Alfredo *** *****

  Business Response

  Date: 06/24/2025

  To: Better Business Bureau:
  
  Our office has reviewed the account regarding consumer, ***** *** *****. Below are our findings regarding the above-referenced complaint filed with your office in which the consumer disputed the account, alleged fraud, and requested verification or deletion.
  
  The above referenced account was placed with office by our client, ***************************** on March 20, 2025 as the result of the consumers contract default and outstanding balance from a service provided December 22, 2020 through February 14, 2022 at a ***************** address in *******. The final bill was sent by our client on November 9, 2021.
  
  Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on May 1, 2025.  Information regarding this account was furnished to a credit reporting agency in accordance with the Fair Credit Reporting Act as a result of no response.
  
  We previously marked the account as disputed upon receipt of an eOscar dispute via the credit bureaus June 23, 2025. Our agency has requested further verification from our client to send to the consumer after review. Our agency does not own the debt and collects on behalf of our client.We will also send a fraud packet along with the statutorily required verification to assist us in our on-going fraud investigation.
  
  The consumer may visit *************************** to receive more information about their consumer rights.
  
  For additional reference, the ***** describes verification requirements, which we meet with our verification letters and itemized statements from our clients:
  
  ******* Verification of debts.
  Requirement: If a consumer disputes the debt in writing within 30 days of receiving the validation notice, the debt collector must obtain and provide verification of the debt within 30 days unless they cease collection attempts.
  Content: The verification of the debt should include:
  Name of the original creditor
  Date of the original debt
  Amount of the original debt
  Current amount of the debt
  Identification of any charges that make up the current amount of the debt, including late charges and finance charges (not necessarily requiring specific breakdowns)
  
  Official Interpretations of *******:
  
  Scope of Verification: This interpretation clarifies that the debt collector doesn't need to provide exhaustive evidence, but is enough to support the core aspects of the debt (original creditor, date, amount, etc.).
  
  The consumer may contact our clients, the original creditors, to make payments directly to them if they prefer.
  
  Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations.

  Customer Answer

  Date: 06/25/2025

   
  Complaint: 23441517
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***** *** *****

• Initial Complaint

  Date:06/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with 10 *******************, I do not have a contract with AARGON AGENCY **** they did not provide me with the original contract as i requested

  Customer Answer

  Date: 06/03/2025

  
  

  Business Response

  Date: 06/20/2025

  To: Better Business Bureau:
  
  Our office has reviewed the account regarding consumer, Sequoyah Cleveland. Below are our findings regarding the above-referenced complaint filed with your office in which the consumer stated, I am not liable for this debt with Aargon Collection Agency. I do not have a contract with Aargon Collection Agency. They did not provide the original contract as I requested.(This is a template complaint usually proliferated on social media/internet with inaccurate information about the ***** and **** for consumers working on repairing their credit reports; i.e., ******** TikTok, etc.)
  
  The above referenced account was placed with office by our client, ************** on October 8, 2024 as the result of the consumers contract default and outstanding balance from a service provided for a ******* Road address through January 31, 2023. Our client received a $17.75 payment November 16, 2022. The statute of limitations for ********** without a contract is 4 years so this debt is within that timeframe.
  
  Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on October 10, 2024.  Information regarding this account was furnished to a credit reporting agency in accordance with the Fair Credit Reporting Act as a result of no response.
  
  Our agency had requested further verification from our client to send to the consumer and marked the debt as disputed upon receipt of an eOscar dispute via the credit bureaus May 16, 2025. That was the first dispute we had received from the consumer for this account. Our ********************** does not own the debt and collects on behalf of our client. We sent the statutorily required verification directly to the consumer June 20, 2025.
  
  The consumer may visit *************************** to receive more information about their HIPAA and consumer rights.
  
  For additional reference, the ***** describes verification requirements, which we meet with our verification letters and itemized statements from our clients:
  
  ******* Verification of debts.
  Requirement: If a consumer disputes the debt in writing within 30 days of receiving the validation notice, the debt collector must obtain and provide verification of the debt within 30 days unless they cease collection attempts.
  Content: The verification of the debt should include:
  Name of the original creditor
  Date of the original debt
  Amount of the original debt
  Current amount of the debt
  Identification of any charges that make up the current amount of the debt, including late charges and finance charges (not necessarily requiring specific breakdowns)
  
  Official Interpretations of *******:
  
  Scope of Verification: This interpretation clarifies that the debt collector doesn't need to provide exhaustive evidence, but is enough to support the core aspects of the debt (original creditor, date, amount, etc.).
  
  The consumer may contact our clients, the original creditors, to make payments directly to them if they prefer.
  
  Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations.

• Initial Complaint

  Date:05/27/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was notified by Experian that 2 accounts were flagged for collections with Aargon Agency. I received no prior notice from Aargon about this account. I have requested more information from them and have not received any response. The creditor, ***************************, had sent me letters demanding about $5k in payment last year, which I had the option to dispute. Since I was not aware of what these charges were for, I disputed it with them, and requested an itemized receipt. I sent 2 letters by certified mail, and never heard from the hospital again. As far as I am concerned, the debt is fraudulent since it was never proven to me. Without confirmation, it should not be in collections and should not be on my credit report. I am hoping Aargon has this information since the hospital will not answer my requests, but so far, neither has Aargon.

  Business Response

  Date: 06/24/2025

  To: Better Business Bureau:
  
  Our office has reviewed the account regarding consumer,Mariah (********) ***. Below are our findings regarding the above-referenced complaint filed with your office in which the consumer disputed the debts and requested verification or deletion.
  
  We had previously marked both accounts as disputed upon multiple eOscar disputes via the credit bureaus. We had previously sent the statutorily required verification June 11, 2025. We will resend the verification directly to the consumer. This is the first direct dispute and request for verification we have received from the consumer for these accounts.
  
  The consumer may visit ************************************************************************************* or *************************** to receive more information about their HIPAA and consumer rights.
  
  For additional reference, the ***** describes verification requirements, which we meet with our verification letters and itemized statements from our clients:
  
  ******* Verification of debts.
  Requirement: If a consumer disputes the debt in writing within 30 days of receiving the validation notice, the debt collector must obtain and provide verification of the debt within 30 days unless they cease collection attempts.
  Content: The verification of the debt should include:
  Name of the original creditor
  Date of the original debt
  Amount of the original debt
  Current amount of the debt
  Identification of any charges that make up the current amount of the debt, including late charges and finance charges (not necessarily requiring specific breakdowns)
  
  Official Interpretations of *******:
  
  Scope of Verification: This interpretation clarifies that the debt collector doesn't need to provide exhaustive evidence, but is enough to support the core aspects of the debt (original creditor, date, amount, etc.).
  
  The consumer may contact our clients, the original creditors, to make payments directly to them if they prefer.
  
  Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations.

• Initial Complaint

  Date:05/21/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company just popped up on my credit report today. Looked into it more and it seems as though they are trying to collect a debt that is far past the statute of limitations in the state the debt is owed. They also reported the debt as new & they are the original creditor which is false and illegal to do. This debt (from another company) was removed from my credit report 3 months ago and seemingly just popped up today and shows AARGON AGENCY *** opened it Feb 12, 2025. I will be contacting an attorney regarding the filing of original creditor and new debt

  Customer Answer

  Date: 05/21/2025

  I do not feel comfortable providing my social security number. Im not sure why this is even needed to file a complaint. 

  Customer Answer

  Date: 05/21/2025

  cant seem to edit the paperwork. Below is the information requested 

   

  xxx-xx-5268

  ******** **********

  Business Response

  Date: 05/22/2025

  To: Better Business Bureau:
  
  Our office has reviewed the account regarding consumer, ******** (********) **********. Below are our findings regarding the above-referenced complaint filed with your office in which the consumer disputed the debt and requested verification or deletion.
  
  The above-referenced account was placed with office by our client, BG&E, on February 12, 2025 as the result of the consumers contract default and outstanding balance from a service provided April 2, 2010 through March 31, 2021 at an Eastern Avenue address. The statute of limitations in ******** is 3 years to sue, but collections efforts may still be made after this time.
  
  Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on March 13, 2025.Information regarding this account was furnished to a credit reporting agency accordance with the Fair Credit Reporting Act as a result of no response. We report the original and current creditor accurately to ********** and Experian. We do not have control over other third party reporting services or the credit bureaus reporting of the information.
  
  Our agency has closed and returned the account to our client.We requested deletion from ********** and Experian. The consumers request for deletion was granted.
  
  The consumer may visit *************************** to receive more information about their consumer rights.
  
  Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations.

  Customer Answer

  Date: 05/25/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******** **********

• Initial Complaint

  Date:05/05/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been communicating fraud to arrgon regarding case ****-049306 since 2022. Aargon has committed to resolving the case and have yet to resolve in 3 years. They have all requested proof of fraud. I need the BBB to assist.I am disputing a comed collection account at 8353 S Winchester totaling about $899.00. Ref# ****-049306. I sent aargon the requested police report in 2022, March 2025, and May 2025. I was told in 2022 the issue was resolved. I was told March 2025, they never received the police report. I resent it. I have contacted the main email ******************************* and the rep ******* at *********************************** The fraud is yet to be resolved.

  Business Response

  Date: 05/06/2025

  To: Better Business Bureau:
  
  Our office has reviewed the account regarding consumer,****** ********. Below are our findings regarding the above-referenced complaint filed with your office in which the consumer disputed the account,alleged fraud, provided a police report, and requested deletion.
  
  This account was already closed and returned to our client as possible fraud. We sent the request for deletion to the credit bureaus. The consumers request for deletion was already granted.
  
  Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations.

  Customer Answer

  Date: 05/07/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** ********

• Initial Complaint

  Date:04/25/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for the collection from Aargon Agency **** ******XXXX. The amount on my credit report is $8,382.00 I do not have any sort of affiliation with ***********************

  ***Consumer added to complaint: 

  From: ******* Leal 
  Date: Sun, Apr 27, 2025 at 12:40?AM
  Subject: BBB FORM
  To: **************************************************************** 
  
  To Whom It May Concern,
  
  
  I am writing with urgency and deep concern regarding an account that is incorrectly reporting on my credit file. I have no knowledge, affiliation, or responsibility for this account. It is not mine, and I am not liable for any debt associated with it.
  
  
  I have made multiple attempts to address this issue directly with the company involved, but they have failed to provide any validation of the debt as required under the Fair Debt Collection Practices Act (FDCPA). Despite my efforts, the account remains on my report harming my credit, my financial opportunities, and causing me unnecessary emotional distress.
  
  
  This is a clear violation of my rights under the Fair Credit Reporting Act (FCRA). No validation was provided. No evidence was shown that ties me to this debt. Therefore, this account must be immediately deleted from my credit report.
  
  
  This wrongful reporting is hindering me from accessing the financial stability I work so hard for. I respectfully but firmly request that you immediately investigate and remove this account. Please take this matter seriously my future depends on the accuracy of my credit information.
  
  
  I expect confirmation of deletion promptly. If not, I am prepared to escalate this complaint to the appropriate regulatory authorities.
  
  
  Thank you for your attention to this critical matter.
  
  
  Sincerely,
  ******* ****

  Business Response

  Date: 04/28/2025

  To: Better Business Bureau:
  
  Our office has reviewed the account regarding consumer, ******* ****. Below are our findings regarding the above-referenced complaint filed with your office in which the consumer disputed the account and requested verification or deletion.
  
  The above-referenced account was placed with our office by our client **********************, on April3,2023 as the result of the consumers contract default and outstanding balance from a service provided February 4, 2022.
  
  Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on April 6, 2023.  Information regarding this account was furnished to a credit reporting agency on in accordance with the Fair Credit Reporting Act as a result of no response.
  
  We previously sent the statutorily required verification directly to the consumer on January 22, 2025. Our client provided the consumers correct DOB, SSN, address, phone number, and name. The account was closed and returned to our client prior to receiving this complaint. The deletion requests were sent to the credit bureaus. The consumers request for deletion was already granted.
  
  The consumer may visit ************************************************************************************* or *************************** to receive more information about their HIPAA and consumer rights.
  
  For additional reference, the ***** describes verification requirements, which we meet with our verification letters and itemized statements from our clients:
  
  ******* Verification of debts.
  Requirement: If a consumer disputes the debt in writing within 30 days of receiving the validation notice, the debt collector must obtain and provide verification of the debt within 30 days unless they cease collection attempts.
  Content: The verification of the debt should include:
  Name of the original creditor
  Date of the original debt
  Amount of the original debt
  Current amount of the debt
  Identification of any charges that make up the current amount of the debt, including late charges and finance charges (not necessarily requiring specific breakdowns)
  
  Official Interpretations of *******:
  
  Scope of Verification: This interpretation clarifies that the debt collector doesn't need to provide exhaustive evidence, but is enough to support the core aspects of the debt (original creditor, date, amount, etc.).
  
  The consumer may contact our clients, the original creditors, to make payments directly to them if they prefer.
  
  The account was closed and returned to our client prior to receiving this complaint. The deletion requests were sent to the credit bureaus. The consumers request for deletion was already granted.
  
  Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations.

  Customer Answer

  Date: 04/30/2025

  Just confirming, this account will be removed from my report? 

  Customer Answer

  Date: 05/01/2025

  Just want to confirm because I see this company is listed 2 different times on my report. 289750XXXX

  289739XXXX

  amounts are different. please remove both accounts 

  Customer Answer

  Date: 05/01/2025

   
  Complaint: 23248770
  
  I am rejecting this response because:

   

  Just want to confirm because I see this company is listed 2 different times on my report. 289750XXXX

  289739XXXX

  amounts are different. please remove both accounts 

  
  
  Sincerely,
  
  ******* ****

  Business Response

  Date: 05/01/2025

  To: Better Business Bureau:
  
  Previous Response on April 28, *****: ********** has reviewed the account regarding consumer, ******* ****. Below are our findings regarding the above-referenced complaint filed with your office in which the consumer disputed the account and requested verification or deletion.
  
  The above-referenced account was placed with our office by our client **********************, on April 3, 2023 as the result of the consumers contract default and outstanding balance from a service provided February 4, 2022.
  
  Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on April 6, 2023.  Information regarding this account was furnished to a credit reporting agency on in accordance with the Fair Credit Reporting Act as a result of no response.
  
  We previously sent the statutorily required verification directly to the consumer on January 22, 2025. Our client provided the consumers correct DOB, SSN, address, phone number, and name. The account was closed and returned to our client prior to receiving this complaint. The deletion requests were sent to the credit bureaus. The consumers request for deletion was already granted.
  
  The consumer may visit ************************************************************************************* or *************************** to receive more information about their HIPAA and consumer rights.
  
  For additional reference, the ***** describes verification requirements, which we meet with our verification letters and itemized statements from our clients:
  
  ******* Verification of debts.
  Requirement: If a consumer disputes the debt in writing within 30 days of receiving the validation notice, the debt collector must obtain and provide verification of the debt within 30 days unless they cease collection attempts.
  Content: The verification of the debt should include:
  Name of the original creditor
  Date of the original debt
  Amount of the original debt
  Current amount of the debt
  Identification of any charges that make up the current amount of the debt, including late charges and finance charges (not necessarily requiring specific breakdowns)
  
  Official Interpretations of *******:
  
  Scope of Verification: This interpretation clarifies that the debt collector doesn't need to provide exhaustive evidence, but is enough to support the core aspects of the debt (original creditor, date, amount, etc.).
  
  The consumer may contact our clients, the original creditors, to make payments directly to them if they prefer.
  
  The account was closed and returned to our client prior to receiving this complaint. The deletion requests were sent to the credit bureaus. The consumers request for deletion was already granted.
  
  Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations.
  
  Current Response to Rebuttal: Consumer is now disputing an additional account, ***********. The above-referenced account was placed with our office by our client **********************, on January 20, 2025 as the result of the consumers contract default and outstanding balance from a service provided December 1, 2022.
  
  Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on January 23, 2025.  Information regarding this account was furnished to a credit reporting agency on in accordance with the Fair Credit Reporting Act as a result of no response. This is the first dispute we have received for this account. We have marked the account as disputed and requested additional information from our client to review. We will send the statutorily required verification directly to the consumer. Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations.

  Customer Answer

  Date: 05/06/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* ****

• Initial Complaint

  Date:04/10/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Im not liable for this debt with AARGON AGENCY **** I do not have a contract with AARGON AGENCY **** they did not provide me with original contract as requested.

  Business Response

  Date: 04/10/2025

  To: Better Business Bureau:
  
  Our office has reviewed the account regarding consumer, ******* ********. Below are our findings regarding the above-referenced complaint filed with your office in which the consumer stated, I am not liable for this debt with Aargon Collection Agency. I do not have a contract with Aargon Collection Agency. They did not provide the original contract as I requested. (This is a template complaint usually proliferated on social media/internet with inaccurate information about the ***** and **** for consumers working on repairing their credit reports; i.e., ******** TikTok, etc.)
  
  The above referenced account was placed with office by our client, UMC, on September 29, 2023 as the result of the consumers contract default and outstanding balance from a service provided May 23, 2023. The statute of limitations in ****** is 4 years without a contract and 6 years with a contract, so this is within that period.
  
  Our agency has requested further verification from our client to send directly to the consumer and have marked the debt as disputed upon receipt of an eOscar dispute via the credit bureaus April 10, 2025. Our agency does not own the debt and collects on behalf of our clients who we have signed business/service agreements with. This is the first direct dispute and request for information we have received from this consumer for this account. The consumer provided SSN is off by one number provided by our client and may be a typo by the consumer. Once we received the additional information from our client, we will review and send the statutorily required verification directly to the consumer.
  
  The consumer may visit ************************************************************************************* or *************************** to receive more information about their HIPAA and consumer rights.
  
  For additional reference, the ***** describes verification requirements, which we meet with our verification letters and itemized statements from our clients:
  
  ******* Verification of debts.
  Requirement: If a consumer disputes the debt in writing within 30 days of receiving the validation notice, the debt collector must obtain and provide verification of the debt within 30 days unless they cease collection attempts.
  Content: The verification of the debt should include:
  Name of the original creditor
  Date of the original debt
  Amount of the original debt
  Current amount of the debt
  Identification of any charges that make up the current amount of the debt, including late charges and finance charges (not necessarily requiring specific breakdowns)
  
  Official Interpretations of *******:
  
  Scope of Verification: This interpretation clarifies that the debt collector doesn't need to provide exhaustive evidence, but is enough to support the core aspects of the debt (original creditor, date, amount, etc.).
  
  The consumer may contact our clients, the original creditors, to make payments directly to them if they prefer.

• Initial Complaint

  Date:04/08/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Aargon Agency is reporting a collection account for $611 related to ********* that I formally disputed. On April 7, 2025, I sent them a certified legal dispute letter and a ***** copy demanding full validation and permanent deletion.I requested the final ********* bill, a breakdown of charges, and proof that Aargon was legally assigned the debt. They did not provide any of the requested documentation and have continued reporting the debt. This is a violation of the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA).The inaccurate reporting is damaging my credit and causing serious harm to my family, especially due to urgent housing and disability-related needs. I am seeking permanent deletion of this tradeline and written confirmation of closure.

  Business Response

  Date: 04/16/2025

  Previous Response to CFPB Dispute 250407-19925823 on April 16, 2025 : ********** has reviewed the account regarding consumer, **** *********. Below are our findings regarding the above-referenced complaint filed with your office in which the consumer is disputing the account, stating that they never received proper verification, and requested deletion in the interest of consumer protection.
  
  Please be advised the above-referenced account for **** ********* was placed with our office by our client, ********** on September 27, 2023 for services provided to the consumer January 9, 2022 through August 11, 2023 at a *********** address in ******. The final bill was sent by our client on August 13, 2023 and due by August 31, 2023.
  
  Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on September 28, 2023 and not returned. 
  
  We marked the account as disputed upon receipt of a direct dispute cease & desist from the consumer on February 22, 2024. We requested additional information from our client at that time and sent the statutorily required verification directly to the consumer on March 6, 2024. Please be advised we collect on behalf of our clients who we have signed business agreements with and do not own the accounts. Upon receipt of the latest direct dispute on April ****** we requested deletion from the credit bureaus in the interest of consumer protection. We are closing and returning the account to our client as a refuse to pay. Our client may attempt to collect the amount owed in the future since it is still within the statute of limitations of 4 years in *******
  
  We are a data furnisher and not a credit bureau. Credit bureaus, like ********** or Experian, supply consumer reports to third parties who have signed authorization from the consumer. We accurately report credit information provided by our clients to the credit bureaus and do not require permission from a consumer to do so.
  
  The consumer may visit *************************** to receive more information about their consumer rights.
  
  For additional reference, the ***** describes verification requirements, which we meet with our verification letters and itemized statement from our clients:
  
  ******* Verification of debts.
  Requirement: If a consumer disputes the debt in writing within 30 days of receiving the validation notice, the debt collector must obtain and provide verification of the debt within 30 days unless they cease collection attempts.
  Content: The verification of the debt should include:
  Name of the original creditor
  Date of the original debt
  Amount of the original debt
  Current amount of the debt
  Identification of any charges that make up the current amount of the debt, including late charges and finance charges (not necessarily requiring specific breakdowns)
  
  Official Interpretations of *******:
  
  Scope of Verification: This interpretation clarifies that the debt collector doesn't need to provide exhaustive evidence, but enough to support the core aspects of the debt (original creditor, date, amount, etc.).
  
  The consumer may contact our clients, the original creditors, to make payments directly to them if they prefer.
  
  Based on the information, at this time I have concluded my investigation, and as a result did not find any State or Federal violations. We closed and returned the account to our client as a refuse to pay and requested deletion from the credit bureaus in the interest of consumer protection, as well as no longer attempting to collect this account on behalf of our client. The consumers request for deletion was granted on April 10, 2025, prior to receiving this complaint.
  
  Current Response to BBB complaint ******** on April 16, 2025: Please see previous response sent today to the same dispute sent to the ****. We previously sent the statutorily required verification and have returned the account to our client. The consumers request for deletion was granted.