Consumer complaint received 2026-01-20 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: AL

Complaint narrative:
I REFUSE TO PAY THIS DEBT. 

This is my formal request to cease collection activities and communication. Collection activities include reporting to consumer reporting agencies. My formal request for validation of the account in question. My formal request for ALL Original Account Level Documentation NOT AVAILABLE Original Account Level Documentation.

Please provide the name of the person who claims to have requisite/personal knowledge of the facts, and geniuses or authenticity of the account including possession of XXXX documents. This person should be able to establish a XXXX XXXX case per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ]. Requisite/personal knowledge can not be based solely upon the books and records from your entity. Proof original account level documentation has been reviewed by the same person. This person must be familiar with the original creditors record keeping practices. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please provide a list of ALL prior debt owners. A copy of alleged assignments of the debt. ALL previous assignments held by previous owners of the debt.

Please provide a certified or properly authenticated copy of each bill of sale or other document ( s ) evidencing the transfer of ownership of the debt at the time of charge-off to each successive owner.

Please provide a signed document evidencing the opening of the account or XXXX  reflecting purchases, payments, or other actual you by ME. 

Please provide XXXX reflecting the name and alleged amount of the debt, excluding any post charge-off or post-judgement payments. If the current balance is higher than post charge-off or post-judgement please provide an explanation of how the claimed amount was calculated and why such an increase was authorized by the original agreement and law which permits such fees. 

Please provide a complete transactional history of the debt created by the original creditor. Including Account Statements. 

Please send ALL original account level documentation to my address which can be located in the header of this letter. This XXXX  should not be on debt collectors letterhead but directly from the original creditor. 

Please provide XXXX reflecting original contractual terms and conditions associated with the debt when the account was opened and any updated terms and conditions made to the account. 

Please provide the date of last payment with the original creditor. Please ensure you are not trying to collect on a time-barred debt considered to be outside of the statute of limitations and Not collectible without properly notifying me of the legal collectability of the account. 15 U.S.C. 1692e ( 5 ).

Please provide your written policies and procedures for disputes, and a description of the system used to maintain policies and procedures.

Please conduct a complete investigation for this Direct Dispute in 30 days from the receipt of this request per 15 U.S.C. 1681i ( a ) ( 1 ).

Under the slight chance you considered this request frivolous or irrelevant as I have provided my full name and current mailing address that can be found in the header of this request. The account number as it appears on my consumer reports as you have reported can also be found in the header of this request. Your response if found frivolous or irrelevant it must be done XXXX days after the receipt of this request. 

Please provide me with the legal status of this account on your records.

Please do not provide me with any false, deceptive, or misleading representations in connection with this alleged debt. 15 U.S.C. 1692e ( 10 ).

I am prepared to use my Federal Consumer Financial Protection Laws to pursue legal actions in a jurisdiction and venue in my local court who holds subject-matter under 12 U.S.C. 5565 ( a ) ( 1 ) for violations under FDCPA, 15 U.S.C. 1692a, 1692e, 1692l ; FCRA, 15 U.S.C. 1681s-2. I am aware of the {$1000.00} per violation plus actual damages I have incurred.

You have 30 days to send me all the requested information found above in this request and to remove your unlawful consumer credit reporting of this account immediately.

FAILURE TO PERMANENTLY DELETE AND ISSUE DEBT WAIVER WILL RESULT IN LAWSUIT IN A VENUE IN MY COUNTY. 



THANKS IN ADVANCE. THIS IS MY TRUE AND LAWFUL STATEMENT OF FACTS

Company response to consumer: Closed with non-monetary relief