Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to dispute the validity of the debt you claim I owe and to request full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Additionally, I am invoking my rights under 15 U.S.C. 6802, 1681b, and 18 U.S.C. 1028A to ensure my personal and financial information is protected and handled in compliance with federal laws. I am requesting that you provide the following documentation to substantiate your claim : 1. Proof of Ownership of the Debt A complete chain of title demonstrating that your company legally owns this debt and is authorized to collect it. 2. Proof of My Obligation to Pay A signed contract, agreement, or original application bearing my signature, indicating that I entered into this obligation and agreed to the terms. 3. Verification of the Amount Allegedly Owed A detailed and itemized statement of the debt, including the original creditor, dates of debt accrual, and an explanation of all fees, interest, and charges. 4. Verification of Your Right to Collect Evidence that you are licensed and legally authorized to collect debts in my state. 5. FCRA Verification of Reporting Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), if this debt has been reported to any credit reporting agencies ( Equifax, Experian, or TransUnion ), I request that you immediately verify the accuracy and completeness of the information. Please provide : Evidence that the debt has been properly verified as accurate. Proof of the specific method ( s ) used to verify the debt with the original creditor. Failure to verify the accuracy of this reporting will constitute a violation of the FCRA and will require the immediate removal of this debt from all credit reports. Additional Notes on Compliance with Federal Laws : Under 15 U.S.C. 6802, I remind you of your obligations to safeguard and limit the sharing of my nonpublic personal information. If my information has been disclosed without proper authorization, it constitutes a violation of the Gramm-Leach-Bliley Act. Under 15 U.S.C. 1681b, you must demonstrate that you have permissible purposes to access and report my credit information. Any unauthorized or improper access will result in legal action. Under 18 U.S.C. 1028A, I reserve the right to report any fraudulent use of my identity or personal information, including but not limited to forged documents or misrepresentation in connection with this alleged debt. Until I receive all the above documentation, I do not acknowledge this debt and request that you cease all collection activities, including reporting this debt to credit bureaus. Unverified debts can not be reported under the FCRA. Furthermore, under XXXX XXXX. XXXX ( c ), I demand that you cease and desist all forms of communication with me, including calls, letters, emails, or any other contact, except to provide the requested verification or to notify me of legal actions taken. Failure to comply with these requests will be viewed as a violation of the FDCPA, FCRA, and other applicable federal laws. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office if my rights are disregarded. Please respond within 30 days from the date you receive this letter, as required by law. Send all correspondence to my address listed above. Thank you for your prompt attention to this matter. I look forward to your cooperation in resolving this issue.

Company response to consumer: Closed with non-monetary relief