Consumer complaint received 2025-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I found inconsistencies of multiple that have my information and furnishings on my consumer report without a contract and or my written consent the company below violates and discriminates against me as a consumer and I would like these persons to be held accountable and reprimanded under 15 USC 1681 thru 1692. These laws are set in place to protect my federal protected consumer rights.the list of agencies below have violated me and I would like for the cfpb to follow the rules and guidelines set in place by congress to hold these persons accountable. As follows these are the accounts of the person I wish to sue under 15 usc 1681 thru usc 1692 as it state I am to be reimbursed for any and all violations to my consumer report. Account named XXXXXXXX XXXX XXXX amount of {$1300.00} I have no written contract with this company dont know where or who these ppl are but they are on my consumer report Ive found that my information was leaked in a XXXX XXXX breach and so multiple things keep popping up on my consumer report I dont owe these persons and it say it was opened 5 days ago which is a lie these persons are to be properly investigated In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer agency can not furnish an account without my written instructions. U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These laws protect me from being abused by the consumer reporting company which have assumed this responsibility of furnishing my consumer report and and it has to be 100 percent accurate. 15 U.S.C 1681 ( a ) ( 3 ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers This is the laws set in place by Congress to protect my rights. 15 U.S.C 1681 ( n ) ( b ) Civil liability for knowing non compliance. Any Person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to a consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater. The law states also 1692 I have the right to refuse payment on things that shouldnt be on my consumer report but being as they assumed a vital role and congress has set certain laws in place 15 usc 1666b states they have to send documentation 21 days before payment due date. 15 usc 1681 2 ( a ) they arent supposed to report solely as to transactions. 15 usc 6802 states theyre supposed to let me know or disclose that they are putting something on my consumer report and then give a option for me to otp out. 15 usc 1602 ( g ) states that I am the creditor I am the lender and not the borrower.12 usc 1431 states that the bank cant loan money because theyre the borrowers. I can not be the debtor and I am the original creditor the banks are the borrowers 42 usc 408 asking for money or any credit.and also I collection stating that there open account is a violation under usc 1692 ( g ) transactions or loan using my SSN is against the law because there is no lawful money so it is a crime. 15 usc 1605 states finance charge shall be the sum of all charges if it isnt it is a violation. Since the data breach from all 3 credit bureaus I check my consumer report daily and this is to be removed immediately.

Due to this negligence and the laws set in place I wish for the cfpb to have this company send me my portion of funds since there is no legal tender truly but under this law they owe me {$1000.00} for damages and of character.

15 U.S.C 1681 ( n ) ( b ) Civil liability for knowing non compliance. Any Person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to a consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater.

Company response to consumer: Closed with non-monetary relief