Consumer complaint received 2024-09-23 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: AL

Complaint narrative:
I have reviewed my Credit Report and found out that you are reporting a debt that I believe is incorrect. I do not recognize the original creditor, the date opened and or the amount of the debt. You can contact me in writing, and provide me with the following information. 

Be advised this is not a refusal to pay, but this is a formal notice that your claim is disputed and FULL VALIDATION is requested, under the Fair Debt Collections Practice Act ( FCDPA ) made under 15USC 1692g Sec. 809 ( b ) of the FDCPA and section 609 ( a ) ( f ) ( A ) of the Fair Credit Report Act ( FCRA ), this is NOT a request for ver ification or proof of my mailing address. Under this federal law I have the right to request a full validation of any debt you say I owe you. I am requesting proof that I am indeed the party responsible for paying this alleged debt and irrefutable proof that there is a contractual obligation that is binding on me to pay this debt. 

I am asking for this information because I have some questions about the accuracy of this debt. Because of these questions, please consider the debt to be disputed at this time. If you decide to stop the reporting of this debt, and/or forward or return it to another company, please indicate to them that it is disputed, also report to the three credit bureaus that the debt is disputed. 

I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you for this debt. 

Per FCRA regulation, please provide the following information within 30 days from the date of your receipt of this request for full validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : The date that this alleged debt became payable : Location and/or venue where the alleged debt was created : Date of original charge off or delinquency : Was this debt assigned to the debt collector or purchased? : Amount paid if the debt was purchased : The agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor : Agreement showing the alleged monthly payments schedule : Address where the alleged account monthly payment was being mailed : Account number or debit card number that was used to make payment ( if any payment was made ) : This request is for complete evidence, proof in the form of document ( s ) showing my signature, a copy of my ID showing my picture, and or showing the date of birth, etc. I made this request following the FDCPA and is made in absolute accordance with Federal Law. 

If you fail to provide any of the information or documentation I asked for within the legally required time ( 30 days ), please explain why. If you do not provide it at all and do not adequately explain why I will understand that you are unable to validate or document your claims. 



Please also supply the following information below : Details about your authority to collect this debt. 
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, explain why not. If so, provide the date of the license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license. 
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license. 

Why you think I owe the debt, and to whom I owe it, including : The full and legal name and address of the creditor to whom the debt is currently owed, and the full account number used by that creditor. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, you can provide a copy of the written agreement with my legible signature and all other pertinent information that created my original requirement to pay. ( Do not just send me a bill, a bill is not sufficient proof that this account was created by me ) If you are asking that I pay a debt that belongs to someone else or someone else was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 

The amount and age of the debt, specifically : A copy of the last original billing statement sent to me by the original creditor showing my full name and address. 
State the amount of the debt when you obtained it when that was, and the detailed amount owed, including late and attorney fees if any. 
If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees, or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other increases and/or reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 


Thank you in advance for your response. 


Dear debt collector : I have reviewed my Credit Report and found out that you are reporting a debt that I believe is incorrect. I do not recognize the original creditor, the date opened and or the amount of the debt. You can contact me in writing, and provide me with the following information. 

Be advised this is not a refusal to pay, but this is a formal notice that your claim is disputed and FULL VALIDATION is requested, under the Fair Debt Collections Practice Act ( FCDPA ) made under 15USC 1692g Sec. 809 ( b ) of the FDCPA and section 609 ( a ) ( f ) ( A ) of the Fair Credit Report Act ( FCRA ), this is NOT a request for verification or proof of my mailing address. Under this federal law I have the right to request a full validation of any debt you say I owe you. I am requesting proof that I am indeed the party responsible for paying this alleged debt and irrefutable proof that there is a contractual obligation that is binding on me to pay this debt. 

I am asking for this information because I have some questions about the accuracy of this debt. Because of these questions, please consider the debt to be disputed at this time. If you decide to stop the reporting of this debt, and/or forward or return it to another company, please indicate to them that it is disputed, also report to the three credit bureaus that the debt is disputed. 

I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you for this debt. 

Per FCRA regulation, please provide the following information within 30 days from the date of your receipt of this request for full validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : The date that this alleged debt became payable : Location and/or venue where the alleged debt was created : Date of original charge off or delinquency : Was this debt assigned to the debt collector or purchased? : Amount paid if the debt was purchased : The agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor : Agreement showing the alleged monthly payments schedule : Address where the alleged account monthly payment was being mailed : Account number or debit card number that was used to make payment ( if any payment was made ) : This request is for complete evidence, proof in the form of document ( s ) showing my signature, a copy of my ID showing my picture, and or showing the date of birth, etc. I made this request following the FDCPA and is made in absolute accordance with Federal Law. 

If you fail to provide any of the information or documentation I asked for within the legally required time ( 30 days ), please explain why. If you do not provide it at all and do not adequately explain why I will understand that you are unable to validate or document your claims. 



Please also supply the following information below : Details about your authority to collect this debt. 
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, explain why not. If so, provide the date of the license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license. 
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license. 

Why you think I owe the debt, and to whom I owe it, including : The full and legal name and address of the creditor to whom the debt is currently owed, and the full account number used by that creditor. 
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, you can provide a copy of the written agreement with my legible signature and all other pertinent information that created my original requirement to pay. ( Do not just send me a bill, a bill is not sufficient proof that this account was created by me ) If you are asking that I pay a debt that belongs to someone else or someone else was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 

The amount and age of the debt, specifically : A copy of the last original billing statement sent to me by the original creditor showing my full name and address. 
State the amount of the debt when you obtained it when that was, and the detailed amount owed, including late and attorney fees if any. 
If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees, or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 
If there have been any payments or other increases and/or reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 
Tell me when the creditor claims this debt became due and when it became delinquent. 
Identify the date of the last payment made on this account. 


Thank you in advance for your response.

Company response to consumer: Closed with explanation