ComplaintsforAargon Agency, Inc.

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Initial Complaint
06/17/2024
Complaint Type:
Billing Issues
Status:
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.
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.
Customer response
06/19/2024
This is the recent bill I have received and should not be held in collections.
Business response
06/20/2024
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 office by our client, **********************, on March 18, 2024 as the result of the consumers contract default and outstanding balance from a service provided October 25, 2022.

Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on March 21, 2024 to the same address listed on list complaint and was not returned. Information regarding this account was furnished to a credit reporting agency on June 1, 2024, in accordance with the Fair Credit Reporting Act as a result of no response.

Our agency has requested further verification from our client to review, send directly to the consumer. We had just previously marked the account as disputed upon receipt of an eOscar dispute via the credit bureaus on June 11, 2024, which we reviewed and validated with the information provided by our client. Our agency does not own the debt and collects on behalf of our client who we have a signed business/service agreement with. A signed contract is not required for verification. We will provide the statutorily required verification information to the consumer. For more information on the consumers HIPAA rights, she may visit *******************************************************************************************;

Based on the information available at this time, I have concluded my initial investigation and as a result did not find any State or Federal violations.
Initial Complaint
06/12/2024
Complaint Type:
Billing Issues
Status:
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.
I am not liable for the debts with Southwest Healthcare Inland V and ************************. I do not have any contracts with Aargon Agency. They did not provide me with any original contract as I requested.
Business response
06/17/2024
To: Better Business Bureau:

Our office has reviewed the accounts regarding consumer, ***********************. Below are our findings regarding the above referenced complaint filed with your office.

Our agency has requested further verification from our clients to send directly to the consumer and have marked the debts as disputed or hold if they have not been reported. Our agency does not own the debts and collects on behalf of our clients who we have signed business agreements with.For more information about medical debts, the consumer may visit ************************************************************************************* or ***************************.

Based on the information available at this time, I have concluded my initial investigation and as a result did not find any State or Federal violations.
Initial Complaint
06/12/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Good Afternoon , I received billing from Aargon Collections agency for amount ****** Which i do not owe, I have paid this invoice and provided all my Payments from 10-1-22 to Date, Was sent to collections from Uhs *************************************************************************************************************************************************************, I called and tried to resolve this issue with them. And got nowhere, attached as you will find they have been paid in full for every invoice to date.
Customer response
06/13/2024
Here is more documents that shoes i paid for services on 10-28-22 in full
Business response
06/13/2024
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 this was paid.

Upon review of the attachments provided by the consumer, we have closed and returned the account to our client with the notes that consumer showed this was previously paid. The consumers request for review was completed.

Based on the information available at this time, I have concluded my initial investigation and as a result did not find any State or Federal violations.
Customer response
06/14/2024

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
06/10/2024
Complaint Type:
Billing Issues
Status:
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.
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 corrected
Customer response
06/10/2024
I had just emailed the Release form to the email provided. The day after I had filed the complaint the Debt collection agency closed the account but it still hasnt been deleted off of my credit reports. They also placed that they are the original creditors which is not true at all. *** never had a contract with them or an account.
Business response
06/11/2024
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 disputes the account and requests verification or deletion.

The above-referenced account was placed with office by our client, ************************* on March 28, 2023 as the result of the consumers contract default and outstanding balance from a service provided on ************* from November 4, 2022 through February 2, 2023.

Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on March 30, 2023. Information regarding this account was furnished to a credit reporting agency on June 7, 2023 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 22, 2024. This is the first direct dispute and request for verification we have received from the consumer. We will request additional information from our client to review and send directly to the consumer. We will provide the statutorily required verification even though this request is well outside of the 30-day validation window. Our agency does not own the debt and collects on behalf of our client who we have a signed business/service agreement with. For more information on debts and consumer rights, the consumer may visit ***************************.

Based on the information available at this time, I have concluded my initial investigation and as a result did not find any State or Federal violations.
Customer response
06/13/2024
I would like to see the contract and other documents that has my signature on it that I have with the Aargon Agency showing that I owe them any type of debt. Because Credit Karma shows that the account has been closed and shows Aargon Agency and the original creditor.
Customer response
06/13/2024
Im sorry in the last message it was suppose to say that its shows Aargon Agency as the original creditor and that they had closed the account.
Customer response
06/13/2024
I just attached a screenshot showing what Im talking about
Customer response
06/17/2024

Complaint: 21817911

I am rejecting this response because:
Date Sent: 6/13/2024 12:58:48 AM
I would like to see the contract and other documents that has my signature on it that I have with the Aargon Agency showing that I owe them any type of debt. Because Credit Karma shows that the account has been closed and shows Aargon Agency and the original creditor.
Date Sent: 6/13/2024 11:46:09 PM
Im sorry in the last message it was suppose to say that its shows Aargon Agency as the original creditor and that they had closed the account.
Date Sent: 6/13/2024 11:49:12 PM
I just attached a screenshot showing what Im talking about
***See attached document***

Sincerely,

***************************
Business response
06/17/2024
To: Better Business Bureau:

Previous Response on June 11, 2024: 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 disputes the account and requests verification or deletion. The above-referenced account was placed with office by our client, ************************* on March 28, 2023 as the result of the consumers contract default and outstanding balance from a service provided on ************* from November 4, 2022 through February 2, 2023. Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on March 30, 2023. Information regarding this account was furnished to a credit reporting agency on June 7, 2023 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 22, 2024. This is the first direct dispute and request for verification we have received from the consumer. We will request additional information from our client to review and send directly to the consumer. We will provide the statutorily required verification even though this request is well outside of the 30-day validation window. Our agency does not own the debt and collects on behalf of our client who we have a signed business/service agreement with. For more information on debts and consumer rights, the consumer may visit ********************************* on the information available at this time, I have concluded my initial investigation and as a result did not find any State or Federal violations.

Current Response: The consumer rebutted that Aargon Agency, *** is showing on Credit Karma as the original creditor and the account is closed. He also wanted a signed contract. A signed contract is now required for us to collect on behalf of our client who we have a signed business/service agreement with. The consumer may pay the original creditor if he prefers. This account was just recalled by our client on June 13, 2024 and a closed letter was just sent to the consumer the same day. The consumers request for deletion and closure was granted after our last response. We dont report to Credit Karma, only to TransUnion and Experian. Credit Karma is a service and not a credit bureau. This may explain why they had inaccurate information about Aargon Agency, Inc. as being the original creditor instead of *************************
Business response
06/18/2024
"...A signed contract is now required for us to collect on behalf of our client .." was supposed to state "NOT". This was a typo. Thank you.
Customer response
06/20/2024
So they closed the account and deleted it from my credit report?
Business response
06/21/2024
To: Better Business Bureau:

Previous Response on June 11, 2024: 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 disputes the account and requests verification or deletion. The above-referenced account was placed with office by our client, ************************* on March 28, 2023 as the result of the consumers contract default and outstanding balance from a service provided on ************* from November 4, 2022 through February 2, 2023. Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on March 30, 2023. Information regarding this account was furnished to a credit reporting agency on June 7, 2023 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 22, 2024. This is the first direct dispute and request for verification we have received from the consumer. We will request additional information from our client to review and send directly to the consumer. We will provide the statutorily required verification even though this request is well outside of the 30-day validation window. Our agency does not own the debt and collects on behalf of our client who we have a signed business/service agreement with. For more information on debts and consumer rights, the consumer may visit ***************************. Based on the information available at this time, I have concluded my initial investigation and as a result did not find any State or Federal violations.

Previous Response June 17, 2024: The consumer rebutted that Aargon Agency, *** is showing on Credit Karma as the original creditor and the account is closed. He also wanted a signed contract.A signed contract is not required for us to collect on behalf of our client who we have a signed business/service agreement with. The consumer may pay the original creditor if he prefers. This account was just recalled by our client on June 13, 2024 and a closed letter was just sent to the consumer the same day. The consumers request for deletion and closure was granted after our last response. We dont report to Credit Karma, only to TransUnion and Experian. Credit Karma is a service and not a credit bureau.This may explain why they had inaccurate information about Aargon Agency, Inc.as being the original creditor instead of Louisville Water Company.

Current Response: The consumer just asked if we did close account and delete the reporting to the credit bureaus. In our previous response, I stated that we closed the account, returned it to our client, and deleted the reporting from the credit bureaus. The account may still be due to our client, the original creditor, as stated before. We are now just confirming that the account is closed with our office and deletion requests were sent to TransUnion and Experian, the only credit reporting agencies we report to, on June 13, 2024.
Customer response
06/21/2024
Okay so I can contact the original creditor and have them send me verification and proof of the debt. And you said the original creditor was the ************************ right?
Business response
06/25/2024
Current Response: The consumer wanted to confirm that the original creditor was ************************ and that they could contact them directly for verification/proof of debt. This is correct. You may call ************, go online at LouisvilleWater.com/PureConnect, write to P.O. ************************************. Your account number with them is **********.
Initial Complaint
06/05/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
Since December 2023, I have received notices from Aargon Agency about a debt owed to ********************* Services. I confirmed with my insurance that all payments were made directly to the lab. On May 28, 2024, I called Aargon Agency to verify this and update my mailing address. They failed to update the information, and I still have an outstanding balance. The documents they sent to validate the debt all show a $0.00 Amount Due, which is why I am confused about the outstanding balance.
Customer response
06/09/2024
Attached are screenshots of the claims filed with my insurance showing that everything was paid off. These details were provided to ****** as well which is what was reflected to me with no fees.
Business response
06/10/2024
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.

The above referenced account was placed with office by our client, ***************************** on May 11, 2024 as the result of the consumers contract default and outstanding balance from a service provided December 29, 2023.

Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on May 16, 2024. Information regarding this account has not been furnished to a credit reporting agency.

Our agency already provided the itemized statement from our client on May 29, 2024, and the consumer received it. By adding all of the items on the itemized statement that show Adj: ********************* on 05/11/24 on the statement and the additional $10.00 fee for being referred to collections that is explained in the final paragraph of the last page, it amounts to $34.45,which was what was assigned to us. I took off the interest that had accrued. The $0.00 balance shows that they zeroed out their books when sending to collections,as an accounting method when in A/R status. Our agency does not own the debt and collects on behalf of our client who we have a signed business agreement with. Our client did not show that this was paid. In the interest of consumer protection, we have closed and returned the account to our client and the consumer may contact them directly to pay if they so choose.

Based on the information available at this time, I have concluded my initial investigation and as a result did not find any State or Federal violations.
Customer response
06/11/2024

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
05/16/2024
Complaint Type:
Billing Issues
Status:
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.
I am not liable for this debt with Las ******************* and do not have a contract with AARGON AGENCY **** They did not provide me with the original contract like I requested.
Business response
05/24/2024
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, stated they hadnt received previously requested verification, and requested deletion.

The above referenced account was placed with our office by our client, Las Vegas Athletic Clubs, on April 6, 2021 as the result of the consumers contract default and outstanding balance from a service provided August 15, 2019 through November 15, 2021. The final payment our client received was on November 1, 2019.

Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on April 8, 2021. Information regarding this account was furnished to a credit reporting agency on June 5, 2021 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 June 11, 2021. Upon additional eOscar disputes, we requested additional information from our client to send directly to the consumer. We sent the statutorily required verification,plus a copy of the signed contract between the consumer and our client, directly to the consumer on August 5, 2021. We collect on behalf of our clients who we have signed business/service agreements with and do not own the accounts. The consumer may pay our client directly if they choose. We will resend the verification, as a courtesy, per this dispute. The statute of limitations is six years in ****** with a contract, and this debt is within that time. A contract between the consumer and a collection agency is not required for a collection agency to attempt to collect a debt for the original/current creditor. For more information about debts and consumer rights, the consumer may visit ***************************.

Based on the information available at this time, I have concluded my initial investigation and as a result did not find any State or Federal violations.
Customer response
06/04/2024

Complaint: 21718152

I am rejecting this response because
I respectfully request the removal of this collection from my credit file for the following reasons:

1. Dispute and Verification Requests
While I acknowledge that a notice of debt was sent on April 8, 2021, and information was furnished to the credit reporting agency on June 5, 2021, it is important to note that I had promptly disputed the debt. Despite this, I did not receive the required verification at all and it was not sent in in a timely manner according to the date in your response. The initial verification was sent until August 5, 2021, which was well after the debt had been reported to the credit bureaus. This delay has caused significant damage to my credit score and financial well being. I am not sure what address the verification was addressed or sent to as well.

2. Statutory Requirements and Consumer Rights
I understand that the statute of limitations for this debt is six years in ******. However, my primary concern is the process and the timeliness of the verification provided. As per the Fair Debt Collection Practices Act (FDCPA), verification should have been provided promptly after my initial dispute. The delay in verification is a clear oversight that should be rectified by removing the negative entry from my credit report.
3. Impact on Financial Health
The presence of this collection on my credit report has severely impacted my creditworthiness, affecting my ability to secure loans, housing, and even employment. Given that I have always been a responsible consumer and am eager to settle this matter, I kindly request your understanding and cooperation in removing this negative **** from my credit report.

In light of the above points, I respectfully request that your office remove this collection from all credit reporting agencies. This gesture of goodwill will be greatly appreciated and will demonstrate your agency's commitment to fair consumer practices.

Thank you for your time and consideration. I look forward to your positive response and to resolving this matter promptly.

Sincerely,

*************************;

Business response
06/04/2024
To: Better Business Bureau:

Previous Response on May 24, 2024: 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, stated they hadnt received previously requested verification, and requested deletion. The above referenced account was placed with our office by our client, Las Vegas Athletic Clubs, on April 6, 2021 as the result of the consumers contract default and outstanding balance from a service provided August 15, 2019 through November 15, 2021. The final payment our client received was on November 1, 2019. Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on April 8, 2021. Information regarding this account was furnished to a credit reporting agency on June 5, 2021 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 June 11, 2021. Upon additional eOscar disputes, we requested additional information from our client to send directly to the consumer. We sent the statutorily required verification, plus a copy of the signed contract between the consumer and our client, directly to the consumer on August 5, 2021. We collect on behalf of our clients who we have signed business/service agreements with and do not own the accounts. The consumer may pay our client directly if they choose. We will resend the verification, as a courtesy, per this dispute. The statute of limitations is six years in ****** with a contract, and this debt is within that time. A contract between the consumer and a collection agency is not required for a collection agency to attempt to collect a debt for the original/current creditor. For more information about debts and consumer rights, the consumer may visit ***************************. Based on the information available at this time, I have concluded my initial investigation and as a result did not find any State or Federal violations.

Current Response: The consumer is requesting deletion in the interest of consumer protection. Our agency resent verification on May 31, 2024. We have now sent verification, as a courtesy,twice for this account. We never received a direct dispute and request for verification within the validation period or until this BBB dispute. Disputing through the credit bureaus does not trigger our statutory responsibility to provide written verification. We have a responsibility to our client to attempt to collect the account on their behalf and absent any violations on our part,we will continue to attempt to collect said account and report the account as disputed at this time.
Initial Complaint
05/06/2024
Complaint Type:
Billing Issues
Status:
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.
I am not responsible for this debt to las vegas athletic club. I do not have a contact with Aagon agency *** and have not been given or provided a contract with them as I have requested. I demand this be removed from my credit report.
Business response
05/17/2024
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, alleged we didnt send the requested verification, and requested deletion from the credit bureaus.

The above referenced account was placed with office by our client, Las Vegas Athletic Clubs, on June 2, 2022 as the result of the consumers contract default and outstanding balance from a service provided March 4, 2021 through May 4, 2023.

Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on June 9, 2022. Information regarding this account was furnished to a credit reporting agency on October 5, 2022 in accordance with the Fair Credit Reporting Act as a result of no response.

Our agency had previously requested further verification from our client to send directly to the consumer and marked the debt as disputed upon receipt of an eOscar dispute via the credit bureaus on April 26,2024. We sent the verification letter, itemized statement, picture taken during the signing of the contract, and signed contract with a copy of the consumers Drivers License and receipt to the consumer on April 30, 2024. Our agency does not own the debt and collects on behalf of our client who we have a signed business agreement with.

Based on the information available at this time, I have concluded my initial investigation and as a result did not find any State or Federal violations.
Initial Complaint
04/22/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I am not liable for this debt with 10 PECO ENERGY COMPANY, I do not have a contract with 10 PECO ENERGY COMPANY. They did not provide me with the original contract as I requested.
Business response
04/23/2024
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 and requested verification or deletion.

Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on January 12, 2023.

Due to the length of time our agency had the account without payment, we closed and returned the account to our client. The deletion request was sent to the credit bureaus. The consumers request for deletion was granted.

Based on the information available at this time, I have concluded my initial investigation and as a result did not find any State or Federal violations.
Customer response
04/25/2024

Complaint: 21601516

I am rejecting this response because:
As you can see from the screenshot provided, the account was not deleted and I certainly did not open ANY account in 2023. Please provide proof of deletion.

Sincerely,

*****************
Business response
04/26/2024
To: Better Business Bureau:

Previous Response on April 23, 2024: 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 and requested verification or deletion. Notice of the debt was provided to the consumer in accordance with the Fair Debt Collection Practices Act on January 12, 2023. Due to the length of time our agency had the account without payment, we closed and returned the account to our client. The deletion request was sent to the credit bureaus. The consumers request for deletion was granted. Based on the information available at this time, I have concluded my initial investigation and as a result did not find any State or Federal violations.

Current Response: The consumer is stating that a reporting app as of April 6, 2024, showed the account opened January 9, 2023 (which is when the account was assigned to us) and that the account wasnt deleted yet. The previous response was given on August 23, 2024 and a manual request was sent to the credit bureaus that day. I will provide the consumer with a deletion letter if she needs it before the app updates. We do not have control over the credit bureaus or apps updating their records.
Customer response
05/09/2024

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.
It appears that the account has been removed from my credit report.

Sincerely,

*****************
Initial Complaint
04/18/2024
Complaint Type:
Billing Issues
Status:
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.
On Thursday 11 April 2024 I received an alert email from Experian credit monitoring service that Aargon Agency *** placed a derogatory account on my credit. I first thought it was a scam but tried to call on Saturday 13 April, as they were closed I called on Monday 15 April and spoke to a representative. This was the first time I learned that Aargon was trying to collect around $1200 related to a medical bill that was in dispute, and that I did not even know went to collections, as the provider hadn't answered my written communications to them. When I asked Aargon if it is standard practice to place sth on a person's credit report without First trying to collect the debt (writing a letter asking for payment); I was told that this was not standard practice, but while the charge was referred to them on 18 Dec 2023, they didnt have my 'new' address, which they only received on 17 March 2024 and thus had not send a letter to me. I am at the same address for the last 5 years, moreover even if they only had my address on 17 March, why not send a letter then? Why report sth to a credit agency before writing a letter, sending the bill? It is outrageous to damage someone's credit (my credit has been clean up to now) over a debt you DID NOT even attempt to collect. I did pay the bill on the spot and was told that a letter will be sent to me. But as far as the credit report, while Aargon said they will taking the report down, they do not know when, if credit reporting agency will delete this.Aargon should review their standard practices, and delete anything from my credit.
Business response
04/23/2024
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 requesting deletion after payment.

The consumers request for deletion was granted. We manually sent a request to the credit bureaus.
Initial Complaint
04/04/2024
Complaint Type:
Billing Issues
Status:
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.
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 requested.
Customer response
04/04/2024
Attached is the form requested. Please let me know of any further information needed.

Also attached is the Explanation of Benefits received from my insurance company which clearly states that YOU ARE NOT RESPONSIBLE FOR THESE CHARGES

The explanation of benefits clearly shows I owe a balance of $0.
Business response
04/05/2024
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 FCRA for consumers working on repairing their credit reports; i.e., ******** TikTok, etc.)

The consumer provided an EOB with the same supplied account number and amount stating that our client had not provided additional information,so payment was not made, and the consumer was not responsible for amount. Given this information, we have closed and returned the account to our client with notice of the **** We will request deletion from the credit bureaus at this time but have no control over how long it will take to update their records. The consumers request for deletion has been granted.

Based on the information available at this time, I have concluded my initial investigation and as a result did not find any State or Federal violations.

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