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
- 121 total complaints in the last 3 years.
- 48 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: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.Initial Complaint
Date:03/28/2025
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 ************** I do not have a contract with AARGON AGENCY **** they did not provide me with the original contract as I requestedCustomer Answer
Date: 04/01/2025
___Savion Tullous ***********__________________________________________________________________
Consumer NameSSN#
*******************************************************************; 89031
_______________________________________________________________________________________________
AddressCityStateZip
______N/A_____________________________________
Aargon Account Number:
I certify the above information is true and correct.
______Savion Tullous 4/1/25_____________________________________________________________________
SignatureDateCustomer Answer
Date: 04/01/2025
found the Account # *******************Business Response
Date: 04/02/2025
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 October 4, 2022 as the result of the consumers contract default and outstanding balance from a service provided September ******* through August 18, 2022 at a Snow Dome Avenue address. The statute of limitations in ****** is 4 years without 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 October 6, 2022. 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 previously marked this account as disputed upon receipt of an ****** dispute via the credit bureaus February 6, 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.
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 *************************** 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.Initial Complaint
Date:03/18/2025
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 filing this complaint against ***********************, which has recently changed its name to Aargon Collection Agency, for their failure to provide legally required documentation validating a debt they claim I owe. Despite my explicit request, and in accordance with the Fair Debt Collection Practices Act, Aargon Collection Agency has not furnished proof of the original contract with my signature or a complete chain of title for the debt.I have explicitly advised them to cease all collection activities until they can provide this documentation, as required by law. Furthermore, I instructed them not to report this unvalidated debt to the credit bureaus. Despite this, they initially removed the alleged debt from my credit report of their own accord, only to re-report it later without providing the requested validation.I have proof of the dispute letters that I sent to them, along with the return receipt, which confirms they received my correspondence. Additionally, I possess a photograph showing their recent name change, which further complicates their accountability in this matter. Their actions not only show a disregard for legal standards but also reflect poorly on their commitment to consumer rights and ethical business practices. I request immediate intervention to ensure compliance with debt collection laws and to protect my consumer rights.Thank you for your attention to this matter.Sincerely,****** *******Business Response
Date: 03/19/2025
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 continues to dispute the account,did not accept our verification sent and requested to be contacted to resolve the account.
The above referenced account was placed with office by our client, ****** *******, on October 15, 2024 as the result of the consumers contract default and outstanding balance from a service provided September ******* through final billing June 12, 2023 at a Eden-brook ***** address. The final payment of $200.00 was received by our client August 26, 2024. The copy of the final bill and itemized statement of charges and payments were sent to the consumer with our verification letter sent February 28, 2025 that the consumer confirms they did receive.
Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on October 17, 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 has been Aargon Agency **** d/b/a Aargon Collection Agency for a long time and we have not changed our name recently as alleged in the consumers complaint.
We have continued to report the account as disputed since the receipt of the consumers dispute and request for information on February 3, 2025. We sent the statutorily required verification directly to the consumer within 30 days. We will have a collection manager reach out to the consumer, as requested in this dispute.
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.Business Response
Date: 03/19/2025
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 continues to dispute the account,did not accept our verification sent and requested to be contacted to resolve the account.
The above referenced account was placed with office by our client, BG&E, on October 15, 2024 as the result of the consumers contract default and outstanding balance from a service provided September 27, 2013 through final billing June 12, 2023 at a Eden-brook ***** address. The final payment of $200.00 was received by our client August 26, 2024. The copy of the final bill and itemized statement of charges and payments were sent to the consumer with our verification letter sent February 28, 2025 that the consumer confirms they did receive.
Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on October 17, 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 has been Aargon Agency **** d/b/a Aargon Collection Agency for a long time and we have not changed our name recently as alleged in the consumers complaint.
We have continued to report the account as disputed since the receipt of the consumers dispute and request for information on February 3, 2025. We sent the statutorily required verification directly to the consumer within 30 days. We will have a collection manager reach out to the consumer, as requested in this dispute.
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: 03/19/2025
I am writing in response to the findings provided by Aargon Collection Agency regarding the dispute over an account they have listed under my name, ****** *******, related to BG&E services at the **************** address.
I appreciate their acknowledgment of the dispute and their commitment to reaching out to me to resolve the account, but I firmly believe that Aargon has failed to meet their obligations in several key areas and their response does not adequately address the issues I have raised.
Lack of *****************************start="791" data-end="794">While Aargon claims to have sent a verification letter and itemized statement, I do not believe that the verification provided satisfies the statutory requirements as set forth in the Fair Debt Collection Practices Act (FDCPA). The verification letter, sent February 28, 2025, failed to provide a clear breakdown of the charges or demonstrate the legitimacy of the debt, including how it originated and whether all charges are correct. Simply stating the final payment and dates is insufficient to address my concerns. I request that Aargon provide a complete, thorough verification including:
A detailed breakdown of the charges that lead to the balance.
Clear evidence linking my name to the original debt.
A statement from BG&E confirming the debt and any payments made.
Failure to Provide Chain of Title or Proof of ************************start="1655" data-end="1658">Aargon has not provided evidence that they actually own this debt. The ***** requires that a debt collector must prove their legal right to collect on a debt. To date, Aargon has not provided the chain of title or a valid contract showing that they own or are authorized to collect on this debt. Without this critical information, I am unable to acknowledge the validity of this debt or make any payment toward it.
Inaccurate Reporting of the *****************start="2120" data-end="2123">I have also noted that Aargon continues to report the account as disputed to credit reporting agencies, which is appreciated. However, their claim that they have fulfilled all requirements is inaccurate. According to ***** guidelines, the agency is required to provide enough evidence of the debts legitimacy within 30 days, which they have failed to do adequately. The lack of sufficient documentation from BG&E and Aargon continues to leave the status of this debt in question, causing harm to my credit.
Non-Responsive to ***************************start="2678" data-end="2681">Despite their acknowledgment of my request for contact, Aargon has not shown a willingness to engage meaningfully in resolving this matter. They failed to provide any clear, actionable steps or communication to address my concerns directly. I would like to emphasize that I remain open to resolving this debt, but I require more detailed verification before any final action can be taken.
Request for **************************start="3110" data-end="3113">I kindly request that Aargon Collection Agency, in cooperation with BG&E, provide me with the requested documents that meet the verification requirements outlined in the ****** including the chain of title and proof of debt ownership. Without such documentation, I will not acknowledge the validity of this debt. I also request that they refrain from further damaging my credit until this issue is properly resolved. Failure to provide sufficient documentation will result in my escalating this matter through further legal and consumer protection channels.
Thank you for your attention to this complaint. I trust that this matter will be addressed promptly, and I appreciate the BBB's continued support in helping to resolve this issue.Business Response
Date: 03/20/2025
To: Better Business Bureau:
Previous Response on March 19, 2025: ********** has reviewed the account regarding consumer, ****** *******. Below are our findings regarding the above-referenced complaint filed with your office in which the consumer continues to dispute the account, did not accept our verification sent and requested to be contacted to resolve the account. The above referenced account was placed with office by our client, BG&E, on October 15, 2024 as the result of the consumers contract default and outstanding balance from a service provided September 27, 2013 through final billing June 12, 2023 at a **************** address. The final payment of $200.00 was received by our client August 26, 2024. The copy of the final bill and itemized statement of charges and payments were sent to the consumer with our verification letter sent February 28, 2025 that the consumer confirms they did receive. Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on October 17, 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 has been Aargon Agency **** d/b/a Aargon Collection Agency for a long time and we have not changed our name recently as alleged in the consumers complaint. We have continued to report the account as disputed since the receipt of the consumers dispute and request for information on February 3, 2025. We sent the statutorily required verification directly to the consumer within 30 days. We will have a collection manager reach out to the consumer, as requested in this dispute. 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 March *******: The consumer is not satisfied with our verification or response. As I noted in my previous response, we complied with all statutorily required verification requirements. We do not own the account and are not required to provide a copy of our confidential and proprietary contract with our client. The consumer may pay the client directly if they prefer. The copy of the final bill that was attached to our verification letter we sent to the consumer included a comprehensive itemized accounting of all charges and payments on pages 5-6 showing the current amount now due. We sent the verification to the consumer within 30 days of their initial request even though the request was made after the 30-day validation period. 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:03/13/2025
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 this debt with *************, I do not have a contract with AARGON AGENCY, they did not provide me with the original contract as I requested.Business Response
Date: 03/21/2025
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 30, 2023 as the result of the consumers contract default and outstanding balance from a service provided November ****** through November 13, 2023. 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 January 4, 2024 and not returned. 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 previously marked the account as disputed upon receipt of an eOscar dispute via the credit bureaus on April 26, 2024. 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.We will send the statutorily required verification directly to the consumer within 30 days. The account continues to be marked as disputed.
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: 03/24/2025
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:03/10/2025
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 for this debt with Aargon Agency. I do not have a contract with Aargon Agency, they did not provide me the original contract as I requested.Business Response
Date: 03/14/2025
To: Better Business Bureau:
Our office has reviewed the account regarding consumer, Lovely Coyu. 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, ************************ (LVAC), on February 11, 2021 as the result of the consumers contract default and outstanding balance from a service provided June 6, 2020 through September 6, 2022. The last payment made November 8, 2020 for $25.00 was returned. The statute of limitations in ****** is 4 years without a contract and 6 years with a contract. Our client provided us with a copy of the contract, so this account is within the 6 year statute of limitations.
Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on February 18, 2021 and not returned. 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 December 8, 2021. After receiving another ****** dispute alleging fraud on April 14, 2023, we sent the consumer the verification information and request for additional information to assist us in our fraud investigation on April 27, 2023. We never received additional information and the consumer continued to dispute via the credit bureaus, even alleging that she had never been to *********. We resent a copy of the signed contract with the consumers drivers license and itemized statement with the verification directly to the consumer November 8, 2024. The name, address, phone number, and DOB all match the information provided in this BBB complaint with the contract information we have in our system. 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. We have previously sent the statutorily required verification, itemized statement, and copy of the contract directly to the consumer at the same address provided in this complaint. We have continued to report the account as disputed to the credit bureaus since the initial ****** dispute via the credit bureaus.
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.Initial Complaint
Date:02/25/2025
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 put a collection on my credit reports without my knowledge and in doing so, this violated the ***** Collection Practice by placing a collection account on my credit report without sending a letter to me. They also refused to send me the following information and the original account holder name and pertaining information. I request that Aargon agency verify the following information.1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. FULL account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by ***** law.7. Proof that Aargon agency is authorized to collect the alleged debt. If Aargon agency is unable to provide all of the above identifying account information, I request this account be deleted from all CRAs.Aargon agency also failed to follow ***** by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.Business Response
Date: 03/04/2025
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 she didnt receive the initial validation notice, and requested verification or deletion..
The above-referenced account was placed with office by our client, ***************************** on November 13, 2024 as the result of the consumers contract default and outstanding balance from a service provided June 1, 2021 through final billing August 25, 2021.
Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on November 28, 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.
We previously marked the account as disputed upon receipt of an eOscar dispute via the credit bureaus on January 18, 2025. We requested additional information from our client to review and sent the statutorily required verification letter and itemized statement from our client directly to the consumer on February 10, 2025. The consumer emailed us directly on February ******* to state she had not received the verification and we emailed her the itemized statement at this time.
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 client, the original creditor, 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.
Aargon Agency, Inc. is BBB Accredited.
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