Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Spring Oaks Capital , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : FORMAL DEBT VALIDATION REQUEST & NOTICE OF DISPUTE Account Number : XXXX Alleged Amount : {$2800.00} NOTICE OF LEGAL RIGHTS UNDER FDCPA 809 ( b ) Sent via Certified Mail - Return Receipt Requested WITHOUT PREJUDICE UCC 1-308 To Whom It May Concern : This correspondence shall serve as my formal notice of dispute and demand for validation of the alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ), and other applicable state and federal laws. This notice specifically pertains to account number XXXX, with a claimed balance of {$2800.00}. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section.

I hereby give notice that : 1. I vigorously dispute the validity, accuracy, and completeness of this alleged debt in its entirety, including but not limited to the alleged balance of {$2800.00}.

2. Pursuant to the FDCPA 1692g, I hereby demand that within 30 days of receipt of this notice, you provide the following : a ) Mandatory debt validation documentation including but not limited to : - Written evidence of assignment of debt-collection authority - Signed contract demonstrating valid assignment and transfer of account # XXXX - Documentation establishing your legal standing and authority to report to credit bureaus - Evidence of legitimate debt ownership, including proof that the debt has not been securitized - Written proof that you are bonded and licensed to collect in my state of residence - Documentation showing how the current balance of {$2800.00} was calculated b ) Complete debt verification including but not limited to : - Complete payment history from the original creditor, including all credits and debits - Name and address of the original creditor as required by 1692g ( a ) ( 2 ) - Complete chain of custody of the debt with all assignments and transfers - Original account-level documentation from the original creditor - Proof that the statute of limitations has not expired on this debt - Evidence that you are authorized to collect this specific debt amount - Detailed breakdown of any added interest, fees, or charges 3. Under FDCPA 1692c ( c ), this notice constitutes my formal demand to cease and desist all collection activities pending full validation of this debt.

4. NOTICE OF LIABILITY : Be advised that any of the following actions will constitute violations of federal law : - Failure to provide complete validation within the 30-day statutory period - Continuation of collection efforts absent proper validation - Reporting or maintaining this disputed debt on credit reports without noting the dispute - Any attempt to collect during the validation period - Any communication with third parties regarding this alleged debt Such violations will result in : - Immediate filing of a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) - Filing of a formal complaint with the Federal Trade Commission ( FTC ) - Civil legal action seeking maximum statutory and actual damages under 15 USC 1692k - Additional claims for violations of the Fair Credit Reporting Act ( FCRA ), if applicable - State law claims for damages as applicable You are hereby given notice that you have 30 days from receipt of this certified letter to provide the requested validation. Failure to comply with this request within the statutory timeline will be construed as a waiver of all claims to this debt and will result in the immediate pursuit of all available legal remedies without further notice. 

All future correspondence must be directed to the address listed above. Any communication sent to any other address will be considered a violation of the FDCPA. 

This letter is an attempt to exercise my rights under federal and state law. Any information obtained will be used for that purpose. 

Respectfully submitted this XXXX day of XX/XX/2024 XXXX XXXX CC : Consumer Financial Protection Bureau Federal Trade Commission Georgia Attorney General 's Office