Debt collection -- Took or threatened to take negative or legal action -- Complaint #18433055
Complaint Overview
Complaint ID: 18433055
Company: Aargon Agency, INC.
Product: Debt collection
Sub-Product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Texas
ZIP Code: 78537
Date Received: 2026-01-02T12:00:00-05:00
Date Sent to Company: 2026-01-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint regarding a medical collection account being reported on my consumer credit reports by Aargon Agency , Inc . This account is inaccurate, unlawfully reported, and should be immediately deleted for the reasons outlined below. First, I never authorized the original medical provider or any third party to disclose my protected health information ( PHI ) to this collection agency for the purpose of credit reporting. The reporting and furnishing of this account necessarily involves the disclosure of sensitive medical information, which I did not consent to. This appears to be a violation of the Health Insurance Portability and Accountability Act ( HIPAA ) and its privacy protections regarding unauthorized disclosure of medical information. Second, this account has been reported to the consumer reporting agencies without proper validation and without a permissible purpose, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I dispute the accuracy, ownership, and legal authority of this collection account. The furnisher has failed to demonstrate that it has the legal right to report this alleged debt or that the information being reported is complete and accurate. Additionally, medical collections are subject to heightened accuracy and privacy requirements. The continued reporting of this account is causing ongoing harm to my credit profile and financial well-being. I am requesting that the CFPB require Aargon Agency, Inc to : Immediately delete this medical collection account from all consumer reporting agencies Cease any further reporting or disclosure of my medical information Provide written confirmation that this account has been permanently removed If this matter is not resolved promptly, I reserve all rights to pursue further complaints with the Office for Civil Rights ( OCR ) for HIPAA violations and any additional legal remedies available to me.
Frequently Asked Questions
What is Complaint #18433055 about?
Complaint #18433055 was filed against Aargon Agency, INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2026-01-02T12:00:00-05:00.
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 (Debt collection) 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.