Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
In direct violation of Section, 607 ( b ) of the FCRA ( 15 U.S.C. 1681e ( b ), Section 605 ( b ) of the FCRA ( 15 U.S.C. 1681c-2 ), Section 623 ( a ) ( 5 ) of the FCRA ( 15 U.S.C. 1681s-2 ) which was committed by, XXXX XXXX XXXX in an Unlawful Attempt to " Circumvent '' Section 605 ( b ) of the FCRA ( 15 U.S.C. 1681c-2 ) which " PROHIBITS '' the reporting of " INACCURATE '', and " OUT DATED '' information, and the, 5th, and 14th Amendments of the, United States Constitution, SPRING OAKS CAPITAL LLC has unlawfully " Re -Aged '' the Payment Date 's, and Date 's of Last Payments on a Collection that was previously purchased by, CELTIC BANK whose legal `` Time Frame '' to collect had legally expired without them doing so. Rendering this Collection legally " Time Barred '' and " UNENFORCEABLE ''. However, Month 's later, XXXX XXXX XXXX began Phoning me, and Harassing me " CONSTANTLY '' for Month 's at a time demanding that I now pay " THEM '' the debt that was previously sold to XXXX XXXX by, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, and that was now legally rendered " Time Barred '', and Unenforceable. Despite my " Continuous '' demands for Spring Oaks Capital to, " STOP CONTACTING ME '' because " I DON'T OWE A XXXX TO A COLLECTIONS AGENCY '', Spring Oaks Capital LLC continued harassing me by " Phone '', and " Email ''. And evertime that I refused to pay, Spring Oaks Capital LLC would illegally " Decrease '' my Credit Score 's every single " MONTH '' for " 13 - MONTH 'S '' straight, until I was illegally " FORCED '' by those EXTORTION tactics to finally give in reluctantly, and negotiate a payment to pay them off. That negotiated amount was, {$1000.00} for the full Collection payment on " BOTH " XXXX XXXX Credit Card debts of, {$840.00}, and {$540.00}. which total 's, {$1300.00} that was legally " SETTLED '' with, SPRING OAKS CAPITAL LLC for the " One - Time '' Payment of, {$1000.00} back in, XXXX of, XXXX. This legal " Fact '', is in fact reflected on the, XXXX XXXX Credit Card Documentation itself. Legally " SPECIFYING '', and displaying the legal " STATUS '' of, " PAID IN SETTLEMENT '', as well as legally " WRITTEN OFF ''. See, " Attatchment 'XXXX XXXX XXXX However, despite these fact 's, Spring Oaks Capital LLC has declined to " REMOVE '' this Collection from my Credit Report 's from all ( 3 ) Credit Bureau 's : XXXX XXXX XXXX XXXX Additionally, in direct violation of the, 5th Amendment of the, United States Constitution, SPRING OAKS CAPITAL LLC has now in, XXXX began reaching out to me, and " AGAIN '' demanding payment on this legally " DOCUMENTED '', PAID, SETTLED, " WRITTEN OFF '' and " CLOSED '' Collection, and unlawfully " Decreasing '' my Credit Score 's. This is a direct violation of the, " Double Jeopardy '' clause of the, 5th, Amendment of the, United States Constitution. This unlawfully " Re - Aged '' Collection was " PAID '' via Settlement back in, XXXX of, XXXX. Spring Oaks Capital LLC, should not still be unlawfully Harassing me again here in, XXXX. I demand that SPRING OAKS CAPITAL LLC " DELETE '' this unlawful Collection from all Credit Report 's, as well as from all Credit Reporting Agencies " Including 'XXXX XXXX XXXX XXXX XXXX XXXX IMMEDIATELY '' or be " SUED ''. Thank you.

Company response to consumer: Closed with non-monetary relief