Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: OR

Complaint narrative:
Boom! So like this? Subject : Failure to Respond to Direct Written Dispute While Continuing to Furnish Information to Consumer Reporting Agencies I am submitting this complaint regarding Spring Oaks Capital, LLCs continued furnishing of information to consumer reporting agencies after receiving my direct written dispute and request for supporting documentation. This complaint is based on events that occurred after the resolution of my prior CFPB complaints and is not duplicative of those submissions. Background On XX/XX/year>, Spring Oaks Capital received my certified written correspondence concerning the account it is furnishing to consumer reporting agencies with a reported balance of approximately {$11000.00}. USPS delivery records confirm receipt of my correspondence on XX/XX/year>. My correspondence requested documentation and clarification regarding : * The ownership of the account * The authority to furnish information concerning the account * The chain of title supporting any transfer or assignment * A complete itemized accounting of the reported balance * The records relied upon to verify the accuracy of the information being furnished * The basis for continued reporting following prior disputes Continued Furnishing Without Substantive Response Despite receiving my correspondence on XX/XX/year>, Spring Oaks continued updating and furnishing this account to consumer reporting agencies. The account reflected reporting activity after receipt of my dispute and remains present on XXXX, XXXX, and XXXX. The account continued to reflect reporting activity after Spring Oaks received my dispute and remains present on my credit reports. However, as of XX/XX/year>, I have received no substantive written response addressing the issues raised in my correspondence. Spring Oaks has not provided : * An itemized accounting of the reported balance * Documentation supporting the reported amount * Documentation establishing furnishing authority * Documentation establishing chain of title * An explanation of the records reviewed * A description of the investigation conducted following receipt of my dispute Prior Responses This concern is particularly significant because Spring Oaks previously responded to CFPB complaints with generalized statements that the account was being reported accurately. However, those responses did not address the specific requests for documentation, balance reconciliation, ownership information, furnishing authority, or investigative procedures. Following receipt of my certified correspondence, Spring Oaks continued furnishing information but did not provide a substantive response to the issues raised. This complaint is not based on identity theft, bankruptcy, or a paid debt. It is based on Spring Oaks Capitals continued collection and furnishing activity despite failing to provide the requested documentation supporting ownership, furnishing authority, balance calculations, and the investigation conducted after receipt of my direct written dispute.

Company response to consumer: Closed with non-monetary relief