Consumer complaint received 2024-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
This is in regards to a said debt with Spring Oaks Capital LLC, I have continuously requested information from this company in which I have not received everything that I requested. All of the information that I requested such as the full account ledger including accounts receivable and payable. Copies of any agreement/contract with my signature stating that I agree to pay Spring Oaks Capital , LLC for this said debt. Proof that the statute of limitations has not expired, If you acquired this debt through assignment please provide documentation that confirms your authority to collect this debt on behalf of the original creditor. Please provide documentation that clearly showing that I owe the amount including a copy of the assignment contract or agreement that supports your claim. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt are permitted by law. Spring Oaks Capital , LLC debt collection license from my state, the date of the license, the license number, name address and telephone number to the state agency issuing the license. Please provide me with proof that you have the ability to collect debt in the state that I reside in. The only thing that I requested that was in the letter was the name of the original creditor, the original account number and the balance. The letter also contained a copy of a said agreement with incorrect information pertaining to me on it. I have a right to request those items which are listed above and which I have requested through mail and still have not received. Spring Oaks Capital stated that a negative report reflecting your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. What credit obligations? Please explain, to my knowledge I don't have any credit obligations with Spring Oaks Capital , LLC the debt is still currently being disputed because I haven't received everything that I requested and they still haven't removed the collections from my credit report. Spring Oaks Capital , LLC reported inaccurate information on my credit report before I could even respond to the original letter that I received from them. If a debt is in dispute there is no reason why it should be collected on or anything reported to my credit report, because I still haven't received everything that I requested in my original letter that I sent to Spring Oaks Capital , LLC. Spring Oaks Capital , LLC stated that they have investigated my disputes and have determined that their reporting on my credit report is accurate which it is not. Spring Oaks Capital , LLC has also stated in a letter that they have already responded to a previous dispute and they will not be conducting another investigation of the dispute and if I have new or additional information to send it to them which I have already have requesting the same information that I originally asked for. Spring Oaks Capital , LLC is still reporting as a collection on my credit report which is inaccurate. I never gave them permission verbally or written to be able to report anything on my non public personal information. Since you are reporting inaccurate information on my credit report I am requesting instructions on how to opt-out because I never received instructions on how to opt-out on my personal information that is being reported. Spring Oaks Capital , LLC stated that the account was charged off, if the account was charged off then the original creditor has already been paid. I am requesting the original promissory note with the allonge attached to it. Spring Oaks Capital , LLC is a unaffiliated third party who my information was sold to and they are the ones who decided to purchase the said debt and they are trying to collect from me. I never had an agreement to pay Spring Oaks Capital , LLC anything. I have already requested for them to show where I signed an agreement to pay this said debt to Spring Oaks Capital , LLC I still haven't received it. Again, I am asking you to provide me with an agreement and or contract where I signed to say that I will pay Spring Oaks Capital , LLC.

Company response to consumer: Closed with non-monetary relief