Product: Payday loan, title loan, personal loan, or advance loan

To : Spring Oaks Capital , LLC XXXX XXXX XXXX XXXX, VA XXXX Subject : Dispute of Debt Validation and Consumer Rights Violations under Georgia and Federal Law Dear Spring Oaks Capital , LLC, I am writing to formally dispute the validity of the debt associated with my account ending in XXXX. After reviewing the documentation provided in response to my validation request, I have identified issues that I believe violate my rights under both Georgia law and federal consumer protection laws. 

XXXX. Incomplete Debt Validation Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable Georgia laws, including the Georgia Fair Business Practices Act ( XXXX ), I am entitled to a thorough and transparent validation of this debt. Your response did not fully substantiate the debt amount and ownership chain. I am requesting the following : A copy of the original signed contract or application with XXXX XXXX XXXX XXXX  XXXX XXXX. 
An itemized statement showing how the current balance was calculated, including fees and interest accrued since the original account opening. 
Documentation proving the chain of ownership of this debt from XXXX XXXX to Spring Oaks Capital, including dates and amounts of any payments received since the charge-off date. 
XXXX. Rights under Georgia 's Fair Business Practices Act As a Georgia resident, I am protected under the Georgia Fair Business Practices Act ( XXXX. XXXX et seq. ), which prohibits deceptive, unfair, or abusive practices in consumer transactions. The vague disclosures and lack of clear documentation provided in response to my dispute request may constitute an unfair practice under this act. I request that all details regarding my debt, including calculation methods and ownership information, be provided in compliance with Georgia law and without ambiguous terms or omissions. 

XXXX. Privacy of Personal Information Georgia law, alongside the federal XXXX XXXX, requires businesses to protect sensitive consumer information. I have concerns regarding the handling and transmission of my personal information, including Social Security and account numbers, in the documentation provided. Please provide assurances and documentation confirming that my data has been secured in accordance with Georgias Identity Theft Protection Act and related federal regulations.

4. Optional Insurance Coverage and Refund Rights Georgia law also provides protections regarding optional insurance coverage associated with credit transactions. Under the Georgia Industrial Loan Act ( XXXX. XXXX ), consumers have the right to cancel optional credit insurance within a specific period after enrollment. I am requesting confirmation of my right to cancel any insurance policies associated with this account, including instructions for cancellation if desired, and a refund of any premiums charged without my explicit consent. 

XXXX. Notification and Accuracy of Debt Transfer and Credit Reporting Under both Georgia law and the Fair Credit Reporting Act ( FCRA ), I am entitled to notification of debt transfer terms and assurance of accurate reporting on my credit profile. The lack of a clear notice regarding the sale of this debt and any updates to my credit file may be a violation of these regulations. I request that my credit report accurately reflects only the verified amount owed, without additional fees or charges beyond those legally permitted under my original contract and the XXXX. 

XXXX. Ambiguous Legal Terms and Jurisdiction The legal jurisdiction for collections referenced in the assignment document indicates Delaware and New York law, yet my rights as a Georgia resident must be fully protected as per the Georgia Fair Business Practices Act. Any complex or ambiguous language in this agreement should be clarified to ensure that my rights under Georgia law are not compromised. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX