Consumer complaint received 2024-11-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
To Whom It May Concern : To : Spring Oaks Capital LLCXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am writing to dispute the negative marks you have made on my credit file and formally request validation of this alleged debt, as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809.

Please understand that I am requesting full validation, not partial, to confirm any contractual obligation between myself and your company or the original creditor. Until this debt is validated in accordance with the FDCPA and the Fair Credit Reporting Act ( FCRA ), I request that you cease any credit bureau reporting related to this account. 
To satisfy this validation request, please provide the following documentation : XXXX. Complete Payment History As established by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, a detailed payment history for the entire amount alleged is required. Please include : * Itemized verification by line for each charge, with an explanation of each item ( such as purchase date, amount, goods received, and receipt date ). 
* Date of Last Activity related to the alleged debt. 
2. Proof of Identification My full, complete, and correct Social Security number to help confirm my identity as the alleged debtor.

3. Signed Agreement A copy of any document or contract bearing my signature that indicates my agreement to pay the original creditor. 
4. Obligation to Collect Proof of the contractual obligation between your company and the original creditor that legally permits you to collect this debt, including : * A Letter of Sale or Assignment from the original creditor to your company. 
* Documentation showing you have authority to collect, as required by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), which stipulates that debt purchasers must provide information on the source of debt and amount paid for it. 
XXXX. Licensing Proof of your license to collect debt within my state. 
XXXX. Breakdown of Fees An itemized statement of fees, detailing the calculation of the alleged amount owed. 
Additionally, I request that you refrain from contacting me by telephone. Limit your contact to written communication and only when you have provided all the requested documents for proper validation. 
Under FDCPA Section 809 ( b ), collection activities must halt until this debt has been validated. Furthermore, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ), ruled that reporting a collection account constitutes collection activity. I am therefore entitled to the full documentation listed above as validation, not partial information. 
While I prefer to resolve this matter without litigation, I am prepared to pursue legal action to enforce my rights under the FDCPA and other statutes, should it become necessary. 
Please send all requested documentation. 
I will await your reply, including all requested proof, and will respond upon receipt of the full validation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief