Debt collection -- Attempts to collect debt not owed -- Complaint #18088672

Complaint Overview

Complaint ID: 18088672

Company: Aargon Agency, INC.

Product: Debt collection

Sub-Product: I do not know

Issue: Attempts to collect debt not owed

Sub-Issue: Debt is not yours

State: Missouri

ZIP Code: 63033

Date Received: 2025-12-02T12:00:00-05:00

Date Sent to Company: 2025-12-02T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am filing this complaint because XXXX XXXX is reporting XXXX separate collection accounts on my credit reportsone with a balance of {$1400.00} and another with a balance of XXXX XXXXXXXX neither of these accounts belong to me. I have absolutely no knowledge of these accounts, I have never authorized them, and I have never received any bills, statements, correspondence, or communication regarding these debts. Because these accounts are fraudulent and do not belong to me, I filed an FTC Identity Theft Report, and I have disputed both accounts with the credit bureaus multiple times. Despite my disputes, XXXX XXXX continued reporting these accounts and the credit bureaus marked them as verified, even though no documentation has ever been shown to me. These accounts have severely damaged my credit, and the situation has not been resolved through normal dispute channels, which is why I am asking for CFPB intervention. Below is exactly what happened in detail. XXXX. The XXXX XXXX XXXX XXXX XXXX Not XXXX XXXX XXXX is reporting XXXX accounts : Account XXXX : Balance : {$1400.00} Shown as a collection/charge-off Appears under XXXX XXXX account number XXXX Account XXXX : Balance : {$210.00} Also shown as a collection/charge-off Appears under XXXX XXXX account number XXXX I do not XXXX XXXX account. I never opened an account that could have resulted in these balances, nor have I ever had service or credit relationships with any creditor XXXX XXXX claims to represent. I never received : Bills Late notices Statements Emails Letters Phone calls Any form of communication The first time I ever saw these XXXX alleged debts was when I reviewed my credit report. These accounts are completely fraudulent. XXXX. XXXX XXXX Never Sent Me Any Required Validation or Notice Under FDCPA XXXX ( a ), XXXX XXXX must send a written notice within XXXX days of attempting to collect. I have never received : A validation letter A notice of rights Proof of the original creditor An itemized statement Documentation of charges Copies of any contract Any communication at all XXXX XXXX failed to send the legally required notice before reporting these accounts to the credit bureaus. This means they reported the accounts without providing me any opportunity to dispute or validate them beforehand. XXXX. I Disputed Both XXXX Accounts With All XXXX Credit Bureaus XXXX I discovered the accounts, I immediately filed disputes with XXXX XXXX XXXX XXXX My dispute specifically stated : I do not own these XXXX accounts I never authorized these debts I did not receive validation These accounts are fraudulent XXXX XXXX must provide documentation I explicitly asked for : The name of the original creditor Copies of any signed agreements Billing history Proof of ownership Dates of service or transactions A validation notice under FDCPA 809 ( b ) Evidence linking me to the accounts However, XXXX XXXX did not provide the credit bureaus with documentation showing the accounts belonged to me, and they provided no documentation to me at all. XXXX. The Credit Bureaus Did Not Provide a Method of Verification ( XXXX ) Under FCRA 611 ( a ) ( XXXX ), the bureaus must tell me : How the accounts were verified What information XXXX XXXX provided Whether any documentation was reviewed The name and contact information of the furnisher None of this was provided. The bureaus simply returned a generic verified response without providing any evidence. This shows the dispute process failed. XXXX. I Filed an FTC Identity Theft Report to Document Fraud Because these accounts do not belong to me, I filed an FTC Identity Theft Report ( XXXX ). This federal affidavit confirms : Both XXXX XXXX accounts are fraudulent My identity was used without authorization I did not open, authorize, or benefit from these debts I am requesting these accounts be removed as identity theft Under FCRA 605B, the credit bureaus must : Block fraudulent information Remove it within XXXX business days Prevent reinsertion XXXX XXXX XXXX Despite this, both accounts remained. XXXX. XXXX XXXX Failed to Validate the Debts Even after my disputes, XXXX XXXX : Did not provide validation Did not provide contracts Did not provide itemized statements Did not show original creditor information Did not prove I owed any debt Did not respond with documentation Under FDCPA 809 ( b ) : A debt collector must cease collection and reporting until validation is provided. XXXX XXXX did not provide validation, yet continued reporting. XXXX. The Fraudulent Accounts Damaged My Credit These XXXX accountstotaling {$1400.00} and $ XXXX significantly harmed my credit by : Dropping my credit score Adding multiple derogatory accounts Classifying me as high-risk Preventing approval for credit applications Increasing interest rates Affecting rental and housing approval Damaging my creditworthiness XXXX fraudulent collection account is damaging ; XXXX accounts from the same company have an even greater negative effect. XXXX. The Reporting Violates Several FCRA and FDCPA Laws FCRA Violations : 602A Failure to ensure maximum possible accuracy 605B Failure to block identity theft information 607 ( b ) Reporting inaccurate data 611 ( a ) Inadequate dispute reinvestigation 611 ( a ) ( XXXX ) Failure to provide method of verification FDCPA Violations : 809 ( a ) No required written notice 809 ( b ) No validation provided 807 ( XXXX ) Reporting false information to credit bureaus 807 ( XXXX ) ( A ) Misrepresenting character or legal status of a debt XXXX. I Have No Relationship With the Original Creditor XXXX XXXX accounts do not indicate which original creditor they are collecting for. This is suspicious and violates FDCPA notice requirements. For both accounts : I never opened a qualifying account I never received service that matches these amounts I never received delinquency warnings No late notices or balances were ever sent to me If the debts were legitimate, there would be : A contract Billing statements Records of communication Proof of services or charges XXXX XXXX has provided none. XXXX. This Appears to Be Identity Theft, a Mixed File, or Incorrect Assignment The accounts may be the result of : Identity theft Someone elses debt incorrectly assigned to my file A creditor misreporting information A creditor assigning the wrong consumer XXXX XXXX purchasing incomplete debt portfolios Incorrect or outdated personal data Either way, the accounts are not mine, and the situation must be corrected. XXXX. I Took Every Legal Step Available Before Filing This CFPB Complaint I have : Disputed both XXXX accounts with the credit bureaus Requested validation Filed an FTC Identity Theft Report Provided documentation Attempted to resolve through regular dispute channels Submitted fraud affidavits Requested removal multiple times Yet both accounts remain on my credit reports. XXXX XXXX never showed proof that the accounts belong to me, and the bureaus failed to conduct a meaningful investigation. This is why I need CFPB assistance. XXXX. Summary of What Happened XXXX XXXX is reporting XXXX fraudulent collection accounts : {$1400.00} ( XXXX ) {$210.00} ( XXXX ) I do not own these accounts I never received any notice or validation I disputed them with the credit bureaus I filed an FTC Identity Theft Report XXXX XXXX provided no documentation The credit bureaus failed to verify properly Both accounts remain, causing ongoing harm These accounts violate multiple FCRA and FDCPA laws I am requesting full removal, investigation, and correction

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