Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington , DC XXXX Date : Thursday XX/XX/year> Subject : Complaint Against Spring Oaks Capital , LLC Failure to Properly Validate Debt and Inaccurate Credit Reporting RE : FORMAL NOTICE OF INSUFFICIENT VALIDATION, DEMAND FOR DELETION, AND REQUEST FOR CHARGE-OFF / IRS REPORTING CLARIFICATION Account Number ( s ) : XXXX I am filing this complaint against Spring Oaks Capital , LLC regarding their continued reporting and attempted collection of an alleged debt that remains unverified and disputed. Spring Oaks Capital , LLC XXXX. XXXX XXXX XXXX, VA XXXX To Whom It May Concern, On XX/XX/year>, I submitted a timely written request for validation pursuant to my rights under the Fair Debt Collection Practices Act. Spring Oaks Capital , LLC response dated XX/XX/year> is legally insufficient and fails to meet the requirements of proper validation. Notably, Spring Oaks Capital , LLC correspondence was addressed to XXXX XXXX XXXX, which is factually incorrect and raises serious concerns regarding identity accuracy and the integrity of their records. I am not XXXX, and any attempt to associate this account with me under inaccurate identifying information further demonstrates a failure to verify the debt. To date Spring Oaks Capital , LLC have failed to provide competent evidence of : A legally binding obligation bearing my signature A copy of the original signed contract or agreement A complete account-level statement history Documentation establishing your legal ownership and full chain of title As such, Spring Oaks Capital , LLC response , does not satisfy validation requirements under federal law. Furthermore, Spring Oaks Capital , LLC continued reporting of this account to consumer reporting agencies without proper verification constitutes the furnishing of inaccurate and unverified information, in violation of the Fair Credit Reporting Act. REQUEST FOR CHARGE-OFF AND IRS REPORTING CLARIFICATION Additionally, I request formal clarification regarding the status of this account : Please provide : 1. Confirmation of whether this account was charged off by the original creditor, including : o Date of charge-off o Balance at charge-off 2. Documentation indicating whether the debt has been canceled, forgiven, or discharged 3. Confirmation of whether a Form XXXX was issued or filed with the Internal Revenue Service 4 . If no Form XXXX was issued, provide a detailed explanation clarifying : o Why the debt continues to be reported as owed o Whether the debt remains legally collectible o Whether any identifiable event under IRS guidelines has occurred If this debt has been canceled or discharged, any continued reporting or collection activity may constitute inaccurate reporting and regulatory non-compliance. DEMAND FOR IMMEDIATE ACTION Due to Spring Oaks Capital , LLC failure to provide proper validation, Spring Oaks Capital , LLC are hereby : Instructed to cease all collection activity immediately Required to delete this account from all consumer reporting agencies ( XXXX, XXXX, XXXX ) Required to provide written confirmation of deletion This is not a refusal to pay, but a notice that Spring Oaks Capital , LLC claim is disputed, unverified, and legally challenged. I expect full compliance from, Spring Oaks Capital , LLC within 15 days of receipt of this letter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief