Consumer complaint received 2025-09-08 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: VA

Complaint narrative:
Company : Spring Oaks Capital Date of Contact : XX/XX/2025 Collector Representative : XXXX XXXX  Alleged Balance : {$1600.00} Account Identifier : Not provided by collector during the call ( Spring Oaks stated they acquired the account and that it is in collections ) Summary of Issue On XX/XX/2025, Spring Oaks Capital notified me that they had acquired an account allegedly owed by me in the amount of {$1600.00} and that it is currently in collections. During my call with representative XXXX XXXX, she confirmed my name and date of birth. When she read back my contact information, I informed her that it was incorrect. Despite this notice, the representative did not attempt to update or correct my contact information in their system. 

I explicitly stated that I am a victim of identity theft and that this alleged account is fraudulent and not mine. XXXX XXXX  informed me that my account would be forwarded to their disputes team for further investigation and that I would receive an email notification when their review is completed. However, she also stated that the company does not have my email address on file, which contradicts the assurance that I would receive email updates. 

I advised that I have already filed an FTC Identity Theft Report and completed a notarized affidavit. When I asked how to submit these materials, XXXX XXXX  directed me to email them to XXXX. 

Why this is a problem Spring Oaks is attempting to collect on a fraudulent/identity theft account. 

The representative did not correct inaccurate contact information after I identified it as incorrect, increasing the risk of missed notices and further harm. 

The company indicated it would provide email updates despite having no email on file. 

I have already provided notice that the account is the result of identity theft, which triggers consumer protections under the FCRA ( including the right to block reporting of identity-theft-related information ) and requires proper dispute handling and validation under the FDCPA. 

What Ive done Filed an FTC Identity Theft Report and completed a notarized identity theft affidavit. 

Contacted Spring Oaks Capital and disputed the debt as fraudulent, requesting investigation and instructions to submit supporting documents. 

Was instructed to send documents to XXXX. 

Requested Resolution I respectfully request that the CFPB require Spring Oaks Capital to : Cease all collection activity on this account immediately, and mark the account as disputed and identity-theft-related in all internal systems. 

Block and delete any reporting of this account with all consumer reporting agencies pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) upon receipt of my identity theft report and affidavit. 

Provide written confirmation that the account has been removed from my credit reports ( if it was reported ) and that no further collection efforts will occur. 

Provide full validation and documentation if they continue to claim I owe the debt, including : Name and address of the original creditor ; Date the account was allegedly opened, itemization of the amount claimed, and all statements ; Applications, signatures, IP logs, or recordings purporting to show I authorized or opened this account ; Chain of title/assignment showing Spring Oaks authority to collect.

Correct my contact information and acknowledge, in writing, the specific communication method they will use ( since they stated they would email me but do not have my email on file ).

Ensure full compliance with the FDCPA and FCRA for identity-theft disputes, including prompt, good-faith investigation and timely written results.

Attachments/ Evidence to be Provided FTC Identity Theft Report ( Report Number / confirmation page ) Notarized Identity Theft Affidavit Copy of any written notice from Spring Oaks Capital ( if available ) Call notes from XX/XX/2025, including the representatives name and instructions provided Outcome Sought Permanent closure of the fraudulent account, removal/blocking of any credit reporting related to it, written confirmation from Spring Oaks Capital of these actions, and assurance of no future collection attempts on this identity-theft-related account.

Company response to consumer: Closed with explanation