Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: ME

Complaint narrative:
On XX/XX/XXXX I received a notification of change to my credit. I have not opened or attempted any limes of credit since XXXX. 

I noticed the account XXXX XXXX  a known predatory card, was reported to a company Springoaks Collections for an account that did not belong to me.

I sent a certified letter and email requesting This documentation must include, but not limited to - A complete and signed copy of the contract that forms the basis of the alleged debt.

- An itemized statement detailing the specific charges and amounts that make up the alleged debt.

- A clear explanation and documentation showing how the disputed amount was calculated. 
- Copies of any documents, ledgers, spreadsheets, or similar records that demonstrate I agreed to pay the amount you are claiming. 
- The full name and identity of the original creditor. 
- A detailed identification and description of any third-party charges included in the disputed amount, along -the purchase agreement with verified signatures - An affidavit confirming that the Statute of Limitations on this account has not expired.

Details Regarding Your Legal Authority. to Collect This Debt - Confirmation of the existence of a valid debt collection license in the consumer 's state. If no license is held, provide a justification. If licensed, include the issuance date, the name listed on the license, the license number, and the contact information of the issuing agency. 
- Indicate whether the communication originates from outside the consumer 's state, and whether a valid debt collection license exists for that jurisdiction, including the license number and the contact details of the issuing authority. 

They sent me a letter in the mail stating that they purchased the debt in XX/XX/XXXX but no other verification included. So I requested proof that the original debt belonged to me. 

Their response was Dear XXXX XXXX, Our office is in receipt of your dispute pursuant to the Fair Credit Reporting Act ( FCRA ). Please be advised we have reviewed your dispute and our records indicate we have already responded to a previous dispute that is substantially the same as your current dispute. Because your dispute alleges no new facts and includes no new information on which to form the basis for a new investigation, we will not be conducting another investigation of the dispute. Should you have new or additional information or documentation to substantiate your claim of dispute, please feel free to send us that information along with any additional supporting facts. 
Thank you, Spring Oaks Capital , LLC This communication is from a debt collector. 
SEE FOLLOWING PAGE ( S ) FOR IMPORTANT I Denying for actual verification of the debt. They are not only violating my rights to verify a debt that I know is NOT mine but damaging my credit and job opportunities within my XXXX XXXXXXXX XXXX 

I would like this matter to be address immediately. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation