Consumer complaint received 2026-03-12 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: FL

Complaint narrative:
The company did not send me the requested information sent. This letter is sent in response to your recent communications and your reporting of derogatory information to the consumer reporting agencies. Please be advised that this is not a refusal to pay. This is a formal dispute and a request for full validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). This is not a request for mere verification, nor confirmation of my mailing address. I am requesting competent, admissible evidence establishing that I am legally obligated to pay the debt you allege. Accordingly, provide the following : 1. A complete itemization of the amount you claim is owed and what it is for. 2. A detailed explanation of how the balance was calculated, including any fees, interest, or other charges. 3. Legible copies of original contract, any agreement, or instrument bearing my signature that creates a legal obligation to pay, Proof of ownership, Proof of contract. 4. A copy of any judgment, if one exists. 5. The full name and contact information of the original creditor. 6. Documentation proving that the applicable statute of limitations has not expired. 7. Proof that your company is properly licensed and authorized to collect debts in my state. 8. Your current state license numbers, along with the name and address of your Registered Agent for service of process. 9. Am requesting the Flow agreement 10. Transfer of assignment 11. Bill of Sales Be advised : if your company has reported inaccurate, unvalidated, or misleading information to XXXX, XXXX, or XXXX, such conduct may constitute violations of both federal and state law, including but not limited to : The Fair Credit Reporting Act ( FCRA ) The Fair Debt Collection Practices Act ( FDCPA ) Defamation If you produce the documentation requested above, I will require no less than 30 days to review and investigate the materials provided. During this period, all collection activity must cease as required under 15 U.S.C. 1692g ( b ). Furthermore, during the validation period, any action that may be detrimental to my creditincluding continued reporting of disputed information, verifying disputed information with any credit reporting agency, or furnishing incomplete or inaccurate datawill be viewed as willful noncompliance. If such actions occur, I will consult with legal counsel to explore all available remedies. If your company fails to provide complete validation within 30 days of receiving this letter, you must immediately request deletion of all references to this account from all consumer reporting agencies. Written confirmation of such deletion must be mailed to me. Also, take notice that you are not permitted to contact me by telephone at any number, including my residence or place of employment. All communication must be in writing and sent via U.S. Postal Service to the address listed in this letter. Any attempt to contact me by phone, including automated or prerecorded calls, will be considered harassment and may result in legal action. Ensure your records are accurate before further action becomes necessary. This request is made in good faith for the purpose of resolving inaccurate reporting and obtaining validation of the alleged debt. Best Regards,

Company response to consumer: Closed with non-monetary relief