Consumer complaint received 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Spring Oaks Capital LLC is reporting negative information on my credit reports and refuse to remove the negative marks. To : Spring Oaks Capital LLC Re : Collection Account NOTICE Non-Negotiable Non-Transferable NOTICE OF DISPUTE Applicable to All
Successors and Assigns XX/XX/XXXX I am in receipt of your standard form letter perpetrating an erroneous claim from Spring Oaks Capital LLC. This Notice is not a refusal to pay. This Notice constitutes my Demand to Cease and Desist Collection Activities Prior to Validation under oath ( verification ) of Purported Debt.

Furthermore, this Notice confirms that your claim is disputed under 15 USC 1692 et seq. Please verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, and material alteration of the original agreement. Further, the alleged account was transferred in good faith and by the consent of all parties involved.

Furthermore, I have noted with great interest the fact that your firm called me prior to notifying me in writing of the alleged debt. That is a direct violation of title 15 of the USC. I also want to go on record as stating that 2ND CREDITOR NAME HERE is inducing me with paying off the alleged debt by inferring that this would ruin my credit is also a violation and that to try to get me to pay it off with another credit card is fraud, when you state that it will be treated as a purchase when in fact this is a cash advance. I would be remiss if I also didnt point out that this account was placed in dispute in last year and has still not been resolved. So the mere fact that you have acquired the account and are attempting to collect too is a violation of Title 15. If you can be so kind as to sign or cause to be signed the affidavit I have enclosed with this correspondence we can move this mater along with the utmost celerity.

Verification, Conformation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party. Sworn or equivalent conformation of truth. For example, a verified complaint typically has an attached affidavit of plaintiff to the effect that the complaint is true. In accounting the process of substantiating entries in books of account. Blacks law Dictionary ( 6th abr. ed. 1991 ). It is established law that verification is a sworn statement of the truth of the facts stated in the instrument which is verified. H.A.M.S. Company v.Electric Contractors of Alaska , Inc. ( XXXX  ) XXXX XXXX XXXX XXXX, XXXX. 



In addition, you are hereby requested to produce the following documents : 1. A front and back, true and correct copy of the alleged signed agreement 2. The name, address and title of the officer that retained you 3. Proof of debt 4. Proof of Identification of Creditor 5. Proof of Identification of Debtor 6. A copy of the contract or document where I willingly and knowingly affixed my authorized signature, making me liable for any alleged debt to your client. Contract must contain two signatures.

7. A copy of your license to be a Collection Agency in the State of TEXAS.

8. A copy of your license to operate as a collection agency in the State of TEXAS.

9. A copy of the implementing regulation instructing you on your duties, obligations, authority, and limitations of authority 10. A copy of the law giving you authority to use the U.S. Mails to make ethereal and unsubstantiated claims of amounts due you and your client.

11. The bond with account #, trustee of said account, and my right to sue said account for any violations to the TEXAS Business & Commercial Code while you are attempting to operate a business in Texas.

Failure to present every item 1-11 in the above documentation and verification in thirty-days ( 30 ) will invalidate your presentment under the laws, statutes, and subsequent commercial codes of the State of TEXAS, and Federal Law. All communications and omissions will be made part of and incorporated into any litigation arising from this matter and all Fair Debt Collection Practices Act violations will be dealt with accordingly.

Until this review is completed, please inform any credit agencies to which Spring Oaks Capital LLC reports, including, but not limited to XXXX, XXXX, and XXXX, that this alleged account is in dispute.

I retain the right to pursue the remedies afforded me by both state and federal law pertaining to the previous paragraph.

You must contact me in writing and request an extension in the event that you need more than thirty-days ( 30 ) to verify and validate the debt. Failure to do so confirms that the time limit is reasonable.

Notice unto the Principal is Notice unto the Agent, and Notice unto the Agent is Notice unto the Principal.

NOTICE : THIS IS NOT A REQUEST FOR CONFIRMATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, THAT YOU PROVIDE VERIFICATION ; AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT.

Sincerely, XXXX XXXX XXXXXXXX Trustee Jurat Pursuant to United States Code Title 15 1692, et seq., the undersigned affiant, being duly sworn on oath, deposes and states that s/he is the authorized to collect the alleged Credit Card Account ( hereinafter, Loan ) and has personal requisite knowledge of the facts related to the Loan and alleged Promissory Note and Loan Agreement ( hereinafter, Agreement ) toBorrower ; to wit : I, __________________________________, hereby affirm and attest that : 1. The Lenders Loan to Borrower followed Generally Accepted Accounting Principles ( GAAP ) as required by law and as reflected in Lenders CPA audit reports ; 2. The Lender used their money, money equivalent, credit or capital as adequate consideration to purchase the Agreement from Borrower ; 3. The Lender, in funding the Loan, did not accept, receive or deposit any money, money equivalent, note, credit or capital from Borrower to fund a note, check or similar instrument that was used to finance/fund the Loan or charges on the Loan ; 4. The Lender did not accept, receive or deposit any money, money equivalent, note, credit or capital from Borrower to fund the Loan, check or similar instrument that was used to finance/fund the charges on the Loan ; 5. The Lender incurred financial losses in the amount of {$10000.00}, wherefore Lender was damaged and is hereby collecting a bona fide debt arising from services provided or goods sold to the Borrower in the amount of {$10000.00}.

6. All material facts, terms and disclosures regarding the Loan were disclosed in the Agreement ; 7. Lender is the holder in due course of all Agreements, which were taken for value, in good faith and without any notice of claims and defenses.

8. I have personal knowledge that the original Agreement was not altered or forged in any way.

By affixing my signature below, I hereby affirm, attest and declare, under penalty of perjury under the laws of state of _______________________ that I have personal knowledge that this affidavit is true, correct and complete.

___________________________________ _______________ Signature of Spring Oaks Capital LLC Agent Date _______________________________________________________ Printed Full Name of Above Signature and Title

Company response to consumer: Closed with non-monetary relief