Consumer complaint received 2025-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I contacted XXXX times XXXX and i got XXXX responses with verified as accurate and updated with a copy of my credit report. 
I wrote XXXX times in XXXX to SPRING OAKS CAPITAL LLC - XXXX cpy - Original Creditor : XXXXXXXX XXXX  XXXX - amount : {$1500.00} I wrote again XXXX XXXX ago and no response from XXXX XXXX XXXX. 
I called XXXX XXXX XXXX XXXXXXXX, given them my SS number, name, address and they all told me that i don't owed then anything. 
In the back or end pages of my credit report are all banks listed with addresses and phone number, XXXXXXXX XXXX XXXXXXXX in not listed. 
Since my credit file was jeopardized in XXXX, I am working with XXXX, was working with them, and they are not returning my calls or emails. 

I have spent over {$100.00} in certified mail and not getting any response from anyone. 
I want Spring Oaks Capital LLC to remove that collection from my report. 
I want Transunion to answer my letters and stop sending me copies of my credit files. Transunion is not helping answering with copies of my credit files. I told them and i was ignored XXXX more time. 

LETTER # XXXX Dispute to XXXX  ( send certified mail ) XXXX XXXX XXXX XXXX Ct. 
XXXX, GA XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : XXXX XXXXXXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Account Reported by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear XXXX, I am writing to formally dispute an account listed on my credit report, which is both inaccurate and potentially fraudulent. 
The account in question is listed as follows : Creditor : Spring Oaks Capital LLC / XXXXXXXX XXXX XXXX Account Number : # XXXX - No account from XXXXXXXX XXXX XXXXXXXX XXXX : {$1500.00} Date Opened : XX/XX/XXXX This account is not mine. I have never opened an account with XXXXXXXX XXXX XXXXXXXX at any time, and certainly not in XX/XX/XXXX. I contacted XXXXXXXX XXXX XXXXXXXX, and they confirmed that I do not owe them any money and they do not have an account in my name. 

This may be a case of identity theft, misreporting, or a mixed file error. Furthermore, XXXX XXXX XXXX has never contacted me as required under the FDCPA. TransUnion is required under the FCRA ( 15 U.S.C. 1681i ) to conduct a reasonable reinvestigation of any disputed information. 
I am requesting : 1. A full reinvestigation of this account.

2. A complete deletion of this account from my credit file if no valid documentation is produced.

3. Written confirmation of the results of your reinvestigation.

I am enclosing a copy of my ID, Social Security card, and a copy of the credit report with the account highlighted. 
Sincerely, XXXX XXXX LETTER # XXXX Debt Validation Request to Spring Oaks Capital To : Spring Oaks Capital LLC XXXX. XXXX XXXX XXXX, VA XXXX Subject : Request for Debt Validation ( FDCPA XXXX ) Dear Spring Oaks Capital, I recently obtained my credit report and discovered that your company is reporting an alleged debt of {$1500.00} to XXXX purportedly originating from XXXXXXXX XXXX XXXX. 

This debt is unknown to me, and I have never had an account with XXXXXXXX XXXX XXXX. I am requesting full validation of this debt under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 
Please send me the following : The name and address of the original creditor. 
A copy of the original contract or agreement bearing my signature. 
A full itemization of the debt. 
Proof that you have the legal right to collect this debt in my state. 
Until this information is provided, you must cease collection efforts and mark this account as disputed with any credit reporting agencies. 

Sincerely, XXXX XXXX XXXX XXXX Ct. 
XXXX, GA XXXX XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX. / XX/XX/XXXX 2024

Company response to consumer: Closed with non-monetary relief