Consumer complaint received 2023-04-19
Company: Spring Oaks Capital, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attempted to resolve this fraud dispute due to identity theft on several occasions, I filed a complaint with the FTC and a police report which I will be attaching. The police report has the suspect information along with arrest information that I will be attaching to this complaint as well. I was contacted by an attorneys office via email on XX/XX/XXXX by the name of XXXX XXXX XXXX XXXX XXXX XXXX offering me settlement options for and account that has already been flagged as fraud. I proceeded to call the phone number provided in the email which is ( XXXX ) XXXX and I spoke with XXXX on XX/XX/XXXX I informed her that this account was opened fraudulently and that there has been several disputes and a police report was already filed, she informed me that I needed to fill out a fraud affidavit and send the police report along with the case number for the ID theft, which I agreed to do. she informed me that she would put a request in for the fraud affidavit to be mailed out. I called back aprox 1 week latter to follow up with the fraud affidavit because I have yet to receive it and time is of the essence. I spoke with XXXX on XX/XX/XXXX and he informed me that he sees in the notes that the fraud affidavit was sent out on XX/XX/XXXX which is 7 days from the date it was requested, He also informed me during that call that the law office of XXXX XXXX XXXX couldn't remove and negative information from reporting as a result of ID theft even after they receive the fraud affidavit and police report and that I would have to contact his client directly which is Spring Oaks Capital LLC and provided me with a phone number. I called Spring Oaks Capital LLC on XX/XX/XXXX and after identifying myself they informed me that I needed to speak to another dept named XXXX XXXX which is handling the account and proceeded to transfer the call. I then requested to speak with a supervisor and ended up speaking with XXXX on XX/XX/XXXX and she informed me that her office acquired the account mid XX/XX/XXXX. ( Be mindful that I filed a dispute with XXXX early XX/XX/XXXX and sent a copy of the police report along with the FTC complaint ). XXXX also informed me that she did receive my police report and that her office is investigating the fraud, during that time she also informed me that XXXX XXXX has no control of the XXXX XXXX XXXX account reporting on my credit and that I need to contact Spring Oaks Capital LLC to remove the account. I hung up and called back, and spoke with XXXX XXXX at XXXX XXXX XXXX, she informed me that they received the dispute XX/XX/XXXX and the investigation results was denied on XX/XX/XXXX because there was a payment made on the account, and after her looking into the account further she mentioned that : " it didn't make any sense because there was a payment made on XX/XX/XXXX for {$100.00} but the payment that was made was an auto payment from customer rewards '' She also informed me that my police report was received. today is XXXX/XXXX/XXXX and I still haven't received the supposedly required affidavit to complete the investigation and relieve me from this fraudulent debt. The file No. for the XXXX XXXX XXXX XXXX XXXX XXXX is XXXX Spring Oaks Capital LLC is reporting invalidated fraudulent information to the credit bureaus and said action might constitute fraud under both Federal and State laws. Due to this fact this is my final attempt to have this matter resolved prior to contacting the National Association of Attorney General and seeking legal action.

Company response to consumer: Closed with explanation