Consumer complaint received 2023-09-25
Company: Spring Oaks Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I received a letter from XXXX XXXX XXXX with reference no. XXXX. With a debt amount of {$2400.00} allegedly claimed to be owed to Spring Oaks Capital SPV , LLC which claim to be collecting a debt for a creditor called XXXX XXXX XXXX XXXX XXXX with account number XXXX in who I have no account of dealing with. I deny every allegation of Debt Collectors original debt claims and demands strict proof thereof by a preponderance of the evidence as required by the Texas Rules of Civil Procedure. Furthermore, I denies the debt collectors allegation and request that all conditions precedent and all documents are validated and presented as I have requested ; Therefore, Above debt collector should be denied recovery and the claim voided, furthermore until the conditions precedent below have provided to me in its entirety. XXXX. AFFIRMATIVE DEFENSES By way of further Validation, in the alternative if such be necessary, and without waiving any of the foregoing, I XXXX XXXX XXXX, XXXX asserts the following affirmative defenses : XXXX. Illegality in contract law XXXX. Debtor is not liable to Debt Collector for the debt claimed because Debtor is entitled to an offset. XXXX the contract is illegal, and therefore, unenforceable. 
I am not requesting a response from your firm with just a few copies of the last billing statements that will not add up to the Balance amount owed and copy of contract agreement with no signatures written or digital indicated on contract agreement, and a copy of some bank Notification of Assignment, Sale or transfer of Credit Card Account that is deemed to be fraudulent. GENERAL DENIAL Pursuant to Tex. R. Civ. P. 92, and without waiving any other defenses. 

In pursuant to Fair Debt Collection Practices Act 809.Validation of debts. I am not asking your firm to provide my first and last name, mailing address and last four digits of my social security number or unresourceful amount of monthly billing statements but I am asking you to provide me with the following financial information and documents : Name and address of the original creditor Proof of the amount owed. 
If the account is a charged-off provide proof of the amount charged off. 
Proof that your company paid the amount sum of the charge off to be collected on. 
Proof of the opening and closing date of credit card agreement with original creditor. 
Proof that you own this account and have legal obligations to collect for this account. Include bill of sales transfer documents.

Proof that Spring Oaks SPV, LLC is licenses business in the state of Texas.

Proof of all financial statements or records beginning with the opening and closing date, which must include every purchase made by the debtor in any amount including interest, fees, late charges and purchases or expenses relevant to the principal obligation claimed owed by original creditor. Every amount must be proven without a doubt the debtor expressly authorized the transaction permitted by the law. 
Provide proof of documentation and all financial monthly statements that prove the balance is accurate and display how the balance was calculated to get to the amount claimed owed. 
Provide proof of documentation that includes all monthly statements of the balance decreasing and increasing due to fees and applied payments that were made to the original creditor during the duration of the alleged contract agreement that will detail how the principal obligation arrived at the amount claimed owed. 
Itemization of all payments applied during the duration of the contract agreement with original Creditor. 
I have been a victim of Identity thief and credit card Fraud I have my right to question any and all non agreements and causes that are found in my name without my approval.

Company response to consumer: Closed with explanation