Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I am filing this formal complaint against Spring Oaks Capital LLC for reporting inaccurate, unverified, and disputed debt information on my consumer credit reports with XXXX XXXX, and XXXX, in clear violation of the Fair Credit Reporting Act ( FCRA ). As of XX/XX/year>, Spring Oaks Capital LLC has reported a collection account ending in ( XXXX ) on my credit reports. This account is : Unverified Actively disputed Unsupported by any competent documentation Despite this, Spring Oaks Capital LLC has knowingly continued to furnish and re-furnish this derogatory tradeline, causing ongoing harm to my credit profile. Violations of Federal Law Spring Oaks Capital LLCs conduct constitutes multiple violations of the FCRA, including but not limited to : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishing information known or reasonably believed to be inaccurate 15 U.S.C. 1681s-2 ( a ) ( 2 ) : Requires prompt correction of inaccurate or incomplete information 15 U.S.C. 1681s-2 ( b ) : Requires a furnisher to conduct a reasonable investigation upon notice of a dispute and to correct or delete unverifiable information 15 U.S.C. 1681e ( b ) : Requires accuracy in reporting procedures 12 C.F.R. 1022.42 ( Regulation V ) : Requires furnishers to maintain reasonable policies ensuring accuracy and integrity of furnished information By continuing to report a disputed and unverified collection account, Spring Oaks Capital LLC is operating in * * direct violation of these statutory requirements. Failure to Investigate/ Bad Faith Re-Reporting I have made multiple attempts to resolve this matter directly with Spring Oaks Capital LLC. These attempts have been met with : Delays and non-responsiveness Dismissive, one-line email replies No meaningful investigation or validation provided Instead of conducting a legitimate investigation, Spring Oaks Capital LLC continues to re-report the same inaccurate information, demonstrating a willful failure to comply with federal dispute obligations. Consumer Data Misuse & Harassment Since this account appeared, I have experienced : Repeated calls from random and unrecognized phone numbers Calls from individuals who are clearly not located within the United States This strongly suggests that my personal information has been improperly shared, distributed, or sold multiple times, raising serious concerns about data security, privacy violations, and unlawful third-party dissemination tied to this alleged account. Severe Harm & National Security Impact This inaccurate and unverified collection account is now jeopardizing my Top Secret clearance with the United States Army, as adverse credit reporting can directly impact eligibility for national security clearance. Spring Oaks Capital LLCs reckless reporting and failure to investigate is not only damaging my financial standing, but also placing my career and national security trust status at risk Demand for Immediate Resolution I demand that Spring Oaks Capital LLC : XXXX. Immediately DELETE the collection account ending in ( XXXX ) from XXXX XXXX, and XXXX XXXX. Provide full and complete validation, including : Original creditor documentation Chain of ownership/assignment Full accounting of the alleged debt XXXX. Provide a written report of investigation results, including : What records were reviewed How verification was determined XXXX. Cease and desist from any further inaccurate reporting or re-reporting of this disputed account XXXX. Immediately stop any unauthorized sharing or distribution of my personal information Reservation of Rights Failure to comply will result in escalation, and I reserve all rights to pursue remedies for : Willful and negligent noncompliance under the FCRA Violations related to consumer data handling and privacy Any additional damages resulting from continued reporting and harm I expect immediate corrective action. This matter is urgent and time-sensitive given the risk to my federal security clearance.

Company response to consumer: Closed with explanation