Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. Box XXXX XXXX, GA XXXXXXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Collection XXXX XXXX DBA XXXX Acct # XXXX Report shows Included in Bankruptcy with {$0.00} balance, no late payments/delinquency dates, and no deficiency details. This is incomplete and potentially misleading. 
Requested action : Verify with original creditor records : ( a ) any delinquency dates and amounts, ( b ) repossession/deficiency details ( if any ), and ( c ) basis for Included in Bankruptcy. If the tradeline can not be fully verified or if derogatory codes remain without substantiation, delete the negative status or remove the tradeline per FCRA 1681e ( b ), 1681i. If XXXX, ensure reporting is consistent with the discharge injunction, 11 U.S.C. 524 ( a ) ( 2 ) ( no post-discharge derogatory collection indicators ). 



XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX ) Acct # XXXX Reported as Charge-off with contradictory balance history ( now {$0.00} ). Late-payment counts are disputed. 
Requested action : Provide documented proof of the charge-off and an itemized accounting of any balance and dates ; otherwise delete the charge-off/derogatory codes or the entire tradeline if unverifiable ( FCRA 1681e ( b ), 1681i ). If any third party is furnishing data, identify the furnisher and ensure accuracy ; unresolved or unverifiable items must be deleted. I also assert my right to validation from any collector under FDCPA 809 ( 15 U.S.C. 1692g ). 

XXXX XXXX XXXX Acct # XXXX Bureau conflicts : XXXX report shows no late payments, while yours reports multiple lates and a charge-off. Conflicting inter-bureau histories violate 1681e ( b ) ( accuracy ) .4. Requested action : Produce complete payment history ( dates/amounts ), charge-off date and accounting, and an explanation for the discrepancy. If consistency and accuracy can not be proven with original records, delete or correct immediately under 1681i ( a ) ( 5 ). 
If sold/assigned, identify the current owner ; unverified derogatory information must be removed. 



XXXX XXXX Acct # XXXX Shows Charge-off with {$0.00} balance ; status is misleading absent substantiation. 
Requested action : Verify the original charge-off basis, the amount charged off, and the current resolution. If the balance is {$0.00} with no active collection, update to an accurate non-derogatory resolution ( e.g., paid/settled {$0.00} balance ) or delete the derogatory status/tradeline if unverifiable ( 1681e ( b ), 1681i, 1681g ). 

XXXX XXXX Acct # XXXX Closed with {$0.00} balance but still coded derogatory ( collection/charge-off ). 
Requested action : Verify ownership, full payment history, and status basis. If XXXX is not the current owner or derogatory coding lacks original proof, correct to accurate resolved status or delete the tradeline ( FCRA 1681e ( b ), 1681i ). If a debt collector furnished data, they must validate under FDCPA 1692g ; unverifiable entries must be deleted. 

XXXX XXXX XXXX ( Original creditor : XXXX XXXX Bank ) Acct # XXXX I dispute legal ownership/assignment, open date, and amount. 
Requested action : Verify chain of title ( assignment/sale ), a signed agreement, and itemized balance. If the collector can not validate or any data is inaccurate/unverifiable, delete under FCRA 1681e ( b ), 1681i and note FDCPA validation rights ( 1692g ( b ) ). 

SPRING OAKS CAPITAL ( Original creditor : XXXX Bank ) Acct # XXXX I dispute ownership/assignment and amount ; no contract with this collector. 
Requested action : Provide validation ( original agreement bearing my signature, itemized accounting, proof of assignment/ownership ). If not produced or if information is inaccurate/unverifiable, delete under 1681e ( b ), 1681i and FDCPA 1692g. 

DIVERSIFIED ADJUSTMENT ( Original creditor : XXXX  ) Acct # XXXX Balance/ownership/status disputed ; no contract with the collector.Requested action : Validate debt and collection authority with original, itemized billing and assignment documents. If not validated or found inaccurate/unverifiable, delete per FCRA 1681e ( b ), 1681i and FDCPA 1692g. 






The account contains errors in its reporting, including inconsistent or unverifiable information such as the Date of Last Activity ( XXXX ). Under the Fair Credit Reporting Act ( FCRA ), I request an investigation and removal of this account if it can not be verified. 
Dear XXXX XXXX Equifax Experian address for verification. Please resolve this within 30 days and provide written confirmation of your I am disputing the collection account findings. 
listed below due to inaccuracies and failure to meet XXXX XXXX compliance sincerely XXXX XXXX

Company response to consumer: Closed with explanation