Consumer complaint received 2026-04-20 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: TX

Complaint narrative:
This complaint is filed against Spring Oaks Capital for violations of both the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Spring Oaks Capital is a third-party debt collector reporting a {$710.00} collection account on behalf of XXXX XXXX XXXX XXXX on the consumer 's XXXX credit report. The consumer sent a formal debt validation letter via certified mail tracking # XXXX XXXX in XX/XX/XXXX. Spring Oaks Capital never responded. Despite that silence, the account continues to report and has been twice verified as accurate by XXXX without any method of verification provided. Spring Oaks Capital is a debt collector not the original creditor. This distinction is critical. As a third-party collector, Spring Oaks is bound by the FDCPA in addition to the FCRA. Under FDCPA 1692g, when a consumer disputes a debt in writing within 30 days of initial contact, the collector must : Cease all collection activity until the debt is validated Provide verification of the debt or a copy of a judgment Cease credit reporting until validation is complete Spring Oaks Capital did none of these things. They received the certified mail validation request, provided zero response, and continued reporting a {$710.00} balance on the consumer 's credit report for over four months. XXXX. TIMELINE OF VIOLATIONS Date Event XX/XX/XXXX Debt validation letter sent to Spring Oaks Capital via USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX response from Spring Oaks 4+ months collection account continues reporting on XXXX XXXX XXXX XXXX dispute filed account verified as accurate no method of verification provided XX/XX/XXXX Method of Verification ( MOV ) request sent to XXXX XX/XX/XXXX XXXX responds verified again NO method of verification disclosed XXXX. VIOLATIONS VIOLATION XXXX FAILURE TO VALIDATE DEBT | FDCPA 1692g Spring Oaks Capital received a written debt validation request via certified mail in XX/XX/XXXX. Under FDCPA 1692g, a debt collector must cease all collection activity upon receiving a written dispute until the debt is properly validated. Spring Oaks Capital provided zero response and continued reporting for over four months. This is a direct and willful violation of the FDCPA. VIOLATION 2 CONTINUED COLLECTION ACTIVITY WITHOUT VALIDATION | FDCPA 1692g ( b ) Credit reporting is considered collection activity under the FDCPA. Spring Oaks Capital continued reporting a {$710.00} balance on the consumer 's XXXX report while the debt remained unvalidated. This violates FDCPA 1692g ( b ) which prohibits any further collection activity until validation is provided. VIOLATION 3 FURNISHING INACCURATE DATA | FCRA 1681s-2 ( a ) Spring Oaks Capital certified the accuracy of this account to XXXX during the dispute process despite never responding to the consumer 's validation request. A furnisher can not certify accuracy when they have an outstanding unresponded validation dispute. VIOLATION 4 NO METHOD OF VERIFICATION PROVIDED | FCRA 1681i ( a ) ( 7 ) XXXX verified this account twice once during dispute and once in response to the MOV request dated XX/XX/XXXX without disclosing any method of verification. The consumer has a statutory right to know how their account was verified. That right was denied twice Investigation into Spring Oaks Capital 's failure to respond to a certified mail debt validation request for 4+ months Investigation into Spring Oaks Capital 's continued reporting during an unresolved validation dispute Investigation into XXXX 'XXXX verification process specifically how they twice verified an account when the collector never validated the underlying debt Written confirmation that the account has been deleted and will not be re-reported USPS Certified Mail tracking confirmation for debt validation XX/XX/XXXX # XXXX XXXX dispute results showing verified with no method disclosed MOV request dated XX/XX/XXXX XXXX MOV response dated XX/XX/XXXX verified with no method provided

Company response to consumer: Closed with non-monetary relief