Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
Spring Oaks Capital LLC, has hereby committed " XXXX '' ( XXXX XXXX Felony ) in the submission of legal " RESPONSE '' documentations to the CFPB in their defense of this Unlawful Collection. In attempting to illegally " Circumvent '' Section, 605 ( b ) of the FCRA ( 15 U.S.C. 1681c-2 ) by first stating that this unlawful Collection was sold to them by, XXXXXXXX XXXX XXXX XXXX However, I've never owned an XXXXXXXX XXXX XXXX. And if one exists in my name, it is purely from " IDENTITY THEFT '' which has been reported to, l the, CFPB, XXXX XXXX XXXX XXXX via, " Numerous '' legal Complaints that i possess currently within the CFPB Complaints Portal. Therefore, per Section 605 ( b ) this account must be " DELETED '' immediately. Additionally, Spring Oaks Capital LLC has submitted documents that have been deceptively " REDACTED '' in the area 's of " IDENTIFICATION '' of these ( 2 ) documents. Spring Oaks Capital LLC has unlawfully " REDACTED '' the " Account Number 's '', and " Reference Number 's '', on both documents. Legal Evidence of " FRAUD '', exists within the submitted documents themselves : XXXX. The, " Balance '' on the " TOP DOCUMENT '' that the, Indigo Credit Card Documentation is attatched to on the " BOTTOM '' in order to " Deceptively '' create the appearance of these ( XXXX ) documents being ( XXXX ) reads : {$840.00}. However, on the " BOTTOM '' document " Labeled '', XXXX XXXX XXXX, the, " Highest Balance '' that has ever been reported on this account reads : {$430.00}. These " BALANCES '' DO NOT " MATCH ''. Rendering these documents legally " INACCURATE '', and therefore must be " DELETED '' IMMEDIATELY. The balances between these ( XXXX ) documents " DO NOT MATCH '' by a difference of, {$400.00}. Legally verifying that these are ( XXXX ) " DIFFERENT '' documents " Merged '' to appear as ( XXXX ). This legally constitutes " Fraudulent, and Deceptive Practices '', and " PERJURY '' ( XXXX XXXX Felony ) submitted via, these legal documents, as well as direct " EVIDENCE '' of, Spring Oaks Capital LLC 's continued violation of Section, 623 ( a ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ) in these matters. However, I will now attatch " Concrete Evidence '', that, Spring Oaks Capital LLC has committed " XXXX '' ( XXXX XXXX Felony ) in stating that this unlawful Collection belongs to the, XXXXXXXX XXXX XXXX, then attempted to pass illegally " Manufactured '', and " Altered '' Documentations off in these matters as " Authentic '' in defense of their claims. This " EVIDENCE '' also legally Verifies the fact that this unlawful Collection is in fact that once belonging to, FIRST XXXX XXXX XXXX, before it was sold to XXXXXXXX XXXX, and later became legally " TIME BARRED '' and Unenforceable following XXXX XXXX ' inability to Collect. This " EVIDENCE '' also legally Verifies, SPRING OAKS CAPITAL LLC is in fact the purchaser of this legally " Time Barred '' and Unenforceable Collection. Of whom, has also inherited the legal " STATUS '' of " Time Barred '' with the purchase of this Collection. Please see all attachments to this Complaint, then Compel Spring Oaks Capital LLC via, " LEGAL ENFORCEMENT '' of the Law 's of the, FRCA, of, Consumer 's Rights Law, and of Constitutional Law on my behalf to permanently " DELETE '' this Collection from all Credit Reporting Agencies " IMMEDIATELY '', or be " SUED '' for all above-mentioned " Unlawful Act 's '' that they have committed against me following their " Response '' to this, my " FINAL '' Complaint to the CFPB regarding these matters. And also, " REFUND '' back to me my, {$1000.00} that I was unlawfully " Forced '' to pay as a " Settlement Payment '' to this unlawful " TIME BARRED '', and " Legally Unenforceable '' Collection that I never owed. And finally Compel, Spring Oaks Capital LLC to return the, XXXX - Point 's that were unlawfully deducted from my Credit Score 's over the past XXXX - Month 's via, those " Unlawful Extortion '' Tactics '' until i finally paid up, and to " NEVER '' manipulate my Credit Score 's, nor Contact me again. Thank you.

Company response to consumer: Closed with non-monetary relief