Complaints
This profile includes complaints for Aargon Agency, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 123 total complaints in the last 3 years.
- 46 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:06/10/2025
Type:Billing IssuesStatus: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 IssuesStatus: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, Randy
Lay Perez. 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, Commonwealth Edison (Com Ed), on March 20, 2025 as the result of the
consumer’s contract default and outstanding balance from a service provided December
22, 2020 through February 14, 2022 at a Cermak Road address in Chicago. 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 https://www.knowmydebt.com/ to receive
more information about their consumer rights.
For
additional reference, the FDCPA describes verification requirements, which we
meet with our verification letters and itemized statements from our clients:
§ 1006.31 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 § 1006.31:
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,
Randy Lay PerezInitial Complaint
Date:06/03/2025
Type:Billing IssuesStatus: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 requestedCustomer 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 IssuesStatus: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 IssuesStatus: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 debtCustomer 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 IssuesStatus: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 IssuesStatus: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 IssuesStatus: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 IssuesStatus: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.Initial Complaint
Date:03/31/2025
Type:Billing IssuesStatus: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 ************* AND ELECTRIC, I do not have a contract with AARGON AGENCY **** They did not provide me with the original contract as I requested.Business Response
Date: 04/01/2025
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, BG&E, on June 14, 2024 as the result of the consumers contract default and outstanding balance from a service provided May 22, 2017 through final billing November 17, 2022 at a ********* Path address. The last payment of $1650.33 was received July 20, 2022 by our client. The statute of limitations in ** is 3 years, 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 June 27, 2024 and not returned. Information regarding this account was furnished to a credit reporting agency on September 7, 2024 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 on March 31, 2025. This is the first direct dispute and request for information we have received from the consumer for this account. Our ********************** has requested further verification from our client to review and send directly to the consumer. Our agency does not own the debt and collects on behalf of our clients who we have signed business/service agreements with.
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.Customer Answer
Date: 04/17/2025
More Information...I reject the businesss response.
This still does not satisfy my request under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA).
To be clear:
I do not recognize this debt, the ********* Path address, or any contract with BG&E or Aargon Agency.
Aargon has not provided a copy of any original signed contract, service agreement, or documentation that legally binds me to this debt only summaries of account activity that could belong to anyone.
Under 15 U.S. Code 1692g(b), I am entitled to proper debt validation when disputed, and that includes specific documentation showing my liability not general statements or references to verification protocols.
Their dismissal of my complaint as template language from social media is inappropriate and unprofessional. Regardless of format, my dispute is legitimate and individual.
Aargon also reports this account to the credit bureaus, so under FCRA 1681s-2, they are responsible for investigating and reporting accurately. They have not done so.
Until I receive proper documentation proving I owe this debt, including a signed contract and billing records tied to my identity and address, I request that this item be removed from all credit reports immediately. Simply stating that it was validated internally or sent to the creditor for review is not sufficient under the law.
Please keep this complaint open while I await an appropriate response that includes documentation not summaries or links to third-party websites.
Sincerely,
***** ******* ******Business Response
Date: 04/17/2025
To: Better Business Bureau:
Previous Response on April 1, 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, BG&E, on June 14, 2024 as the result of the consumers contract default and outstanding balance from a service provided May 22, 2017 through final billing November 17, 2022 at a ********* Path address. The last payment of $1650.33 was received July 20, 2022 by our client. The statute of limitations in ** is 3 years, 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 June 27, 2024 and not returned. Information regarding this account was furnished to a credit reporting agency on September 7, 2024 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 on March 31, 2025. This is the first direct dispute and request for information we have received from the consumer for this account. Our ********************** has requested further verification from our client to review and send directly to the consumer. Our agency does not own the debt and collects on behalf of our clients who we have signed business/service agreements with.
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.
Current Response to Rebuttal on April 17, 2025 after complaint was closed April 16, 2025 due to no response from the consumer: The consumer is not satisfied because they believe a signed contract is necessary for verification, (it is not as previously stated), that they believe we violated 1692g(b) of the ***** and **** 1681s-2.
15 U.S. Code 1692g - Validation of debts
(b)Disputed debts
If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment,or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection (a)unless the consumer has notified the debt collector in writing that the debt,or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
We sent the statutorily required verification directly to the consumer on April 7, 2025 that included the name and address of our client, the original and current creditor, and a copy of the final bill they sent to the consumer due on December 12, 2022 with all charges explained. We sent the verification even though it was after the thirty-day validation period. Our initial letter is the validation letter with all required disclosures listed in 1692g, which was sent on June 27, 2024 and not returned. No where does it state that a signed contract is necessary for verification of the debt.
As to the **** 1681s-2 alleged violations, 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies:
(a)Duty of furnishers of information to provide accurate information
(1)Prohibition
(A)Reporting information with actual knowledge of errors
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
(B)Reporting information after notice and confirmation of errors
A person shall not furnish information relating to a consumer to any consumer reporting agency if
(i)the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and
(ii)the information is, in fact, inaccurate.
(C)No address requirement
A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph (B) shall not be subject to subparagraph (A); however, nothing in subparagraph (B) shall require a person to specify such an address.
(D)Definition
For purposes of subparagraph (A), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
The consumer has not provided any information or documentation showing that the information provided by our client that we furnished to the credit bureaus, ********** and Experian, besides their word. Since the consumer is now stating that they do not remember a ********* Path address, we will send the consumer a theft packet to fill out to assist us with our fraud investigation and to be able to provide the information to our client. The account continues to be reported as disputed as we continue to investigate these new allegations of fraud.
Based on the information at this time, I have not identified any State or Federal violations.
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