Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #14361579
Complaint Overview
Complaint ID: 14361579
Company: Aargon Agency, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Nevada
ZIP Code: 89052
Date Received: 2025-06-29T12:00:00-05:00
Date Sent to Company: 2025-07-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am filing this complaint because my credit reports with XXXX XXXX XXXX contain multiple negative items that I believe are inaccurate, outdated, or improperly reported under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). As of XX/XX/XXXX, my reports show a payment history of only 88 % on-time, with XXXX late payments reported across multiple closed and open accounts. Several of these accounts, including XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX are closed but still show multiple missed payments ( ranging from XXXX to XXXX ). I believe some of these late marks are either duplicate, outdated, or should have been updated when the accounts closed, per FCRA 1681c. In addition, I have an active credit card account with XXXX XXXX XXXX XXXX that is currently reporting as over the credit limit ( 103 % utilization ). This has a significant negative impact on my credit standing. I have made payments and asked the creditor to update this balance accurately, but it has not been properly updated, which may violate FCRA 1681s-2 ( b ) if the furnisher fails to report current information. I also have an account with XXXX XXXX that is currently marked as late, despite my efforts to bring it current and communicate with the lender. My report includes XXXX active collections : XXXX XXXX XXXX XXXX ( {$1300.00}, opened XX/XX/XXXX ) and Aargon Agency Inc ( {$1500.00}, opened XX/XX/XXXX ). I have repeatedly asked these collectors to validate these debts as required by FDCPA 809 ( b ), but I have not received sufficient documentation. I believe they continue to report these balances in violation of my rights under the FDCPA. Furthermore, my reports show multiple hard inquiries in a short period XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ). I believe some of these were either not fully authorized or not clearly disclosed to me at the time they were made, which may violate FCRA 1681b ( c ). I have made multiple attempts to resolve these matters directly with the furnishers, debt collectors, and the credit bureaus by disputing the late payments, requesting removal or validation of collections, disputing unauthorized inquiries, and requesting that my utilization be reported correctly. However, these issues remain unresolved. I am providing supporting documentation, including screenshots of my credit report summaries, payment histories, utilization percentages, collections details, and the list of inquiries. I respectfully request that the CFPB investigate these matters, compel the involved parties to : XXXX ) Fully verify or remove any inaccurate, unverifiable, or obsolete information per FCRA 1681i ( a ). 2 ) Ensure accurate updating of my account balances and payment history per FCRA 1681s-2. XXXX ) Remove any hard inquiries that can not be verified as properly authorized. XXXX ) Require debt collectors to provide proper validation or remove the collections per FDCPA 809 ( b ). This situation has caused significant harm to my credit score ( currently 535 TransUnion, 546 Equifax ) and limits my fair access to credit and financial opportunities. I am seeking a fair resolution to have my reports corrected, updated, or cleared of unverifiable negative items and to receive written confirmation of all corrections as required by federal law.
Frequently Asked Questions
What is Complaint #14361579 about?
Complaint #14361579 was filed against Aargon Agency, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-06-29T12:00:00-05:00.
How did Aargon Agency, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Aargon Agency, INC.?
Yes, visit the Aargon Agency, INC. company profile at readthecomplaint.com/company/aargon-agency-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.