Consumer complaint received 2025-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
This is in response to the initial claim I filed XXXX, I am in receipt of your letter regarding the alleged debt you claim to be collecting. I am formally disputing the validity of this debt and demanding that you cease all collection activities until you provide full legal proof that I am liable for this debt under binding contract law. Furthermore, your attempt to collect on this alleged debt may constitute a violation of my rights under multiple federal laws, as outlined below : 1. Violation of My Right to Privacy Unlawful Use of My Personal Information The Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c prohibits unauthorized third-party communication regarding alleged debts. I did not authorize the sale, transfer, or disclosure of my personal information to your agency. I demand that you provide : A legally binding agreement between myself and your agency proving I authorized this transaction. 
Proof of how my personal data was obtained, including all sources that provided you with my information. 
Immediate cessation of data processing, as this could constitute an illegal transfer of my personal and financial data. 

If my personal data was unlawfully obtained or used without my consent, this may also violate the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ), which protects consumer financial privacy. 

2. No Legal Binding Contract Exists Between Me and Your Company Under contract law, no entity can enforce a debt unless there is : A valid, legally binding contract with my wet ink signature. 
Full consideration ( an exchange of value ) and mutual agreement. 

Since I have never signed any agreement with your company, you do not have a lawful claim against me. Your inability to produce this contract means this alleged debt is unenforceable, and any further attempt to collect could be considered fraud. 

3. Demand for Proof Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g Under FDCPA 1692g, you are required to provide full validation of the debt upon request. Validation must include : A signed contract or agreement proving I am responsible for the debt. 
A full itemized breakdown of the amount you claim I owe. 
Proof that you have legal standing to collect this debt, including a chain of title showing ownership. 

If you fail to provide this within 30 days, you must delete this account from your records and cease all collection efforts. 

4. Possible Violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 If you have reported this alleged debt to credit bureaus, you may be in violation of the Fair Credit Reporting Act ( FCRA ), which requires all furnished information to be 100 % accurate and verifiable under 15 U.S.C. 1681s-2. 

If you can not validate the debt, you must remove any negative reporting from my credit file immediately. 
Any continued reporting of an unverified debt is a violation of federal law and may be grounds for legal action. 

5. Organized Crime and Extortion Possible RICO Violations ( 18 U.S.C. 1962 ) By attempting to collect on a debt with no legal contract, misrepresenting your authority, and falsely claiming I owe money, your agency may be engaging in extortion, fraud, and racketeering under the Racketeer Influenced and Corrupt Organizations Act ( RICO ), 18 U.S.C. 1962. 

If you continue to harass me without legal proof, I reserve the right to pursue legal action and file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. 

6. Formal Cease & Desist Notice Pursuant to FDCPA 1692c ( c ), I demand that you cease all communication with me, my family, and my employer. This includes phone calls, emails, letters, or any third-party contact. 

Failure to comply will result in legal action.

Company response to consumer: Closed with non-monetary relief