Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SSN : XXXX [ Credit Bureau Addresses- Send a separate letter to each ] XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX [ Date ] Subject : Formal Dispute and Request for Verification To Whom It May Concern, I am writing to dispute the following accounts listed on my credit report. The Fair Credit Reporting Act ( FCRA ) requires you to investigate and verify the information I challenge. 

I have identified these accounts as inaccurate and have previously disputed them, as noted by the " Consumer Disputes This Account Information '' remark. I am now requesting formal verification of this debt. 

Account XXXX : Spring Oaks Capital , LLC Account Number : XXXX XXXXXXXX As Reported by : XXXX  Reason for Dispute : I have no knowledge of this account or the original debt. I dispute the validity and the amount. Please provide me with documentation proving I have a contractual obligation to pay this debt, including a copy of the original signed agreement and a complete payment history. 

Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX Original Creditor : XXXX XXXX Reason for Dispute : I dispute the amount and the validity of this collection account. I have no record of owing this amount to XXXX XXXX. Furthermore, this account is already flagged as disputed. I demand you conduct a full investigation and provide me with verification that this debt is mine and the amount is accurate. 

Under the FCRA, you have 30 days to complete your investigation. If you can not verify these accounts, they must be deleted from my credit file immediately. 

I have enclosed a copy of my credit report with the disputed items circled for your reference. 

Sincerely, [ Your Signature ] XXXX XXXX XXXX XXXX XXXX XXXX : For Recent Delinquency & Incorrect Reporting [ Your Address Block ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SSN : XXXX [ Credit Bureau Addresses- Send a separate letter to each ] XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX [ Date ] Subject : Formal Dispute of Account Information To Whom It May Concern, I am writing to dispute the information regarding my XXXX XXXX Bank account, as it is being reported inaccurately. This is a violation of the FCRA, which mandates that information on credit reports be accurate and fair. 

Account : XXXX  XXXX BANK Account Number : XXXX XXXXXXXX Date Opened : XX/XX/XXXX Reason for Dispute : The account status is listed as " XXXX - 89 Days Past Due. '' This is incorrect. I believe this is a reporting error. Please investigate the payment history with the furnisher ( XXXX XXXX Bank ) and correct the status to reflect the accurate, current status. 

Additionally, I request that you provide me with the specific method used to verify this information, as required by the FCRA. 

Please conduct a full investigation and correct the inaccurate information. If the information can not be verified, it must be deleted from my credit report. 

I have enclosed a copy of my credit report with this account circled. 

Sincerely, [ Your Signature ] XXXX XXXX XXXX XXXX XXXX XXXX : For Old Collections & Charge-Offs [ Your Address Block ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX of Birth : XX/XX/XXXX SSN : XXXX [ Credit Bureau Addresses- Send a separate letter to each ] XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX [ Date ] Subject : Formal Dispute of Outdated/Inaccurate Collection Accounts To Whom It May Concern, I am writing to dispute the following collection accounts on my credit report. I believe the information is inaccurate and incomplete. 

Account XXXX : XXXX XXXX Account Number : XXXX XXXXXXXX Balance : {$1700.00} Reason for Dispute : I have no record of this account or the debt. The information reported is inaccurate. I request that you verify this account with the furnisher. Please provide me with documentation showing a signed service agreement and a detailed itemization of the charges that make up this debt. 

Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX Balance : {$170.00} Reason for Dispute : I dispute the validity and ownership of this debt. I have no knowledge of this account. Please verify that XXXX XXXX XXXX has the legal right to collect this debt and provide complete account documentation, including the name of the original creditor and a full payment history. 

Under the FCRA, you are obligated to conduct a reasonable investigation. Unverifiable or inaccurate information must be corrected or deleted. 

I have enclosed a copy of my credit report with the disputed accounts highlighted. 

Sincerely, [ Your Signature ] XXXX XXXX XXXX

Company response to consumer: Closed with explanation