Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY Phone : XXXX Date : XX/XX/XXXX Re : Fraud Claim - Dispute of Debt Reported by XXXX XXXX XXXX Account Number ( if listed ) : __________________________ CFPB Complaint ID : __________________________ To Whom It May Concern, I am submitting this letter as a formal fraud dispute regarding an account XXXX XXXX XXXX is attempting to collect. You informed the CFPB on XX/XX/XXXX that there may be potential fraud involved with this account. 
I did not open this account, I did not authorize it, and I am filing a fraud dispute under my rights provided by the Fair Credit Reporting Act ( FCRA ), Sections 605B and 609 ( e ). 
Requested Actions : XXXX. Block this account from all credit reporting within XXXX business days. 
XXXX. Cease all collection activity immediately. 
XXXX. Provide copies of all documentation claiming I opened the account, including : - Original signed contract or application - Any signature associated with the account - Any ID used - Account statements- Purchase/sale agreement between XXXX and the original creditor If you can not prove that I opened the account, the FCRA requires you to delete it permanently. 
Attachments : - FTC Identity Theft Report - Copy of ID - Proof of address Please provide written confirmation that this fraudulent account has been blocked and all collection activity has ceased. 
Thank you, XXXX XXXX ( Signature ) XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KY Phone : XXXX Date : XX/XX/XXXX Re : Formal Fraud Dispute - Identity Theft Report Filed CFPB Complaint Related to : XXXX XXXX XXXX XXXX XXXXpring Oaks Capital To Whom It May Concern, I am disputing fraudulent information appearing on my credit file. Accounts reported by XXXX XXXX XXXX and Spring Oaks Capital do not belong to me. 
XXXX has already informed the CFPB that there may be potential fraud involved. 
Requested Actions : XXXX. Block all fraudulent accounts related to XXXX and Spring Oaks immediately. 
XXXX. Remove any negative information associated with these accounts. 
XXXX. Conduct a thorough investigation and provide written results. 
Attachments : - FTC Identity Theft Report - Copy of ID - Proof of address - Copies of letters sent to XXXX XXXX Spring Oaks Thank you, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KY Phone : XXXX Date : XX/XX/XXXX Re : Fraudulent Account Dispute - Identity Theft To Whom It May Concern, I am disputing fraudulent accounts on my credit report for XXXX XXXX XXXX and Spring Oaks Capital. These accounts were opened without my authorization. 
XXXX informed the CFPB that there may be potential fraud involved. 
Under FCRA 605B, I request that you block these items immediately and remove them from my credit file. 
Attachments : - FTC Identity Theft Report - Copy of ID - Proof of address - Copies of dispute letters sent to XXXX XXXX Spring Oaks Please investigate and delete these fraudulent items. 
Thank you, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, KY Phone : XXXX Date : XX/XX/XXXX Re : Request for Fraud Account Block - Identity Theft Case To Whom It May Concern, I am submitting a formal dispute regarding fraudulent accounts on my credit report for XXXX XXXX XXXX and Spring Oaks Capital. I did not open these accounts. 
XXXX has acknowledged to the CFPB that the accounts may involve fraud. 
Under my FCRA rights, I request these items be blocked, removed, and that an investigation is conducted. 
Attachments : - FTC Identity Theft Report - Copy of ID - Proof of address - Fraud dispute letters Please remove this fraudulent information immediately. 
Sincerely, XXXX XXXX Spring Oaks Capital Spring Oaks Capital , LLC XXXX. XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, KY Phone : XXXX Date : XX/XX/XXXX Re : Fraud Dispute - Identity Theft Notification To Whom It May Concern, I am notifying you that the account you are attempting to collect is fraudulent and does not belong to me. 
Another collector ( XXXX XXXX XXXX ) informed the CFPB that fraud is involved, and I am filing a formal identity-theft claim under FCRA Sections 605B and 609 ( e ). 
Requested Actions : XXXX. Immediately cease collection activity. 
XXXX. Remove all reporting to the credit bureaus. 
XXXX. Provide copies of all documentation claiming I opened this account. 
Attachments : - FTC Identity Theft Report - Copy of ID - Proof of address Please confirm in writing that all collection activity has ceased and the account has been removed. 
Thank you, XXXX XXXX

Company response to consumer: Closed with non-monetary relief