Spring Oaks Capital, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/15/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	LA 700XX	Web
Per 15 USC 6805 and FCRA and as a federally protected consumer, I am opting out of any and all authorizations reporting of my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974 and copyright protection. My right to have a fair and equitable consumer report has been and continues to be violated by SPRING OAKS CAPITAL. In addition to the above complaint, per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT, I did not give permission to report on my consumer credit. XXXX & the listed creditors and alleged debt collectors is in violation of the law. Under 15 U.S code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my transaction history on my consumer report and furthermore the FCRA 15 U.S. Code 1681a - definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT containing information solely as to transactions or experiences between the consumer and the person making the report. Credit reporting agencies such as XXXX, XXXX and XXXX are defined by the Graham Leach Bliley Act as financial institutions subject to its rule making authority pursuant 15 USC 6804. XXXX, XXXX and XXXX are not upholding its role pursuant 15 USC 1681. You ( SPRING OAKS CAPITAL ) are not upholding your grave responsibilities with fairness, impartiality, and respect for my right to privacy in the vital role you assumed in collecting, storing, assembling, and sharing an accurate and equitable consumer credit profile on my behalf. This is MY consumer credit profile and reporting inaccurate information is a discriminatory practice and is prohibited pursuant per the Equal Credit Opportunity Act. Your failure in responsibilities includes but not limited to, a violation pursuant 15 USC 1681a ( 2 ) ( a ) ( I ) - XXXX, XXXX and XXXX continues to furnish reports containing my transactions histories, debt utilization, payment history, inquires, and credit card balances are a few examples of transactions and experiences. A violation pursuant 15 USC 1681c ( a ) ( 5 ) - any adverse information shall be excluded from the consumer report. You are subject to civil liability pursuant 15 USC 1681n, 15 USC 1681o and a violation of 15 USC 1692c- you are acting in capacity of a debt collector when you communicate/ advertise my transaction history. My consumer report is a form of communication and advertising my transaction history is an attempt to coerce payment of the alleged debt. The provisions of 15 USC 6801 ( a ) this requires financial institutions to notify consumers of their information sharing practices and provide a right to opt out of certain sharing. I never received an opportunity to opt out of notice from SPRING OAKS CAPITAL. As a violation of 15 USC 6802- you ( SPRING OAKS CAPITAL ) communicated my nonpublic personal information to unaffiliated 3rd parties without my consent and without giving me the opportunity to direct such information not be disclosed. All of the information contained in my consumer report is nonpublic personal information unless I give you permission. You ( SPRING OAKS CAPITAL ) are also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( SPRING OAKS CAPITAL ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. Per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT regarding inquiries, if the accounts are not open on my credit report all inquiries will have to be removed ; please provide documentation that you used to verify that the inquires ( i.e. promotional or otherwise ) are open accounts with the creditor. Please be advised that I dispute the validity of the listed alleged debt in its entirety. I request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Be advised that a billing statement, notice or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the listed alleged debt. If you opt to provide verification, also provide me with proof of the chain of title ownership of the debt. Also, if the alleged debt was acquired by a debt buyer, you would also need to provide proof of the chain title of the alleged debt, and this must be from the original creditor to the current alleged without a break in chain. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data. Failure to remove these debt collection accounts and update transactional history as PAID AS AGREED/ON-TIME on these accounts within 4 days from my consumer report as requested will result in legal matters being taken upon you. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until such a time as the debt is proven valid. If I personally do not receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { { { {$5000.00} } } } per violation, civil damages for 15 USC 1692 ( j ) are up to { { { {$1000.00} } } } .per violation NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
07/11/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32828	Web
( See Attached Document ) - This is a very serious matter - Creating fraudulent documents, making false accusations is not to be taken lightly here. On XX/XX/XXXX, I retrieved the attached documents from my mailbox that was from Spring Oak Capital. I have a great concern and found the copies of proclaimed letters and copies of proclaimed emails to be fraudulent documents. Yes, I understand fraud is serious and Im shocked that someone would create documents based on a lie. Creating fraudulent documents, making false accusations is not to be taken lightly here. Here are my findings ; Page 1 : No contact name for Spring Oak Capital is not provided Page 2 : ( Fraudulent Document ) I never received a copy of this document from them Page 3 : ( Fraudulent Document ) The copy of this letter is dated XX/XX/2020 and they are stating this is the first correspondence letter that they mailed to me and I say that this document was just created by Spring Oak Capital due to my XXXX complaint against them. b. Once again there is no contact name provided c. This copy of a letter is dated XX/XX/2020 and was NEVER mailed to me by Spring Oak Capital d. The copy they have provided has the wrong address because it does not contain my apartment number. Page 4 : ( Fraudulent Document ) This is a copy of a letter that was just created due to the XXXX Complaint and no such letter was ever mailed to me. Page 5 : ( Fraudulent copy of an email sent to me ) This is not the copy of an email that was sent to me because SPRING OAK CAPITAL NEVER HAD MY EMAIL ADDRESS UNTIL THEY RETRIEVED IT FROM THE XXXXB COMPLAIN INFORMATION PANEL! b. This is how we know that the email copy is a fraud. If you have sent someone an email and provide that someone with a copy of the email that you sent to them, the format for the header of the email is as follows ; -- -- -- Original Message -- -- -- From : ( Email address of the send will appear here ) Sent : ( The date and time stamp that the email was sent will go here ) To : ( Email address of the person the email was sent to will go here ) Subject : ( Subject of the email sent will be here ) The format of the header on the copy that Spring Oak Capital sent was a fraud that they created. c. Inside the email address they are showing for me XXXX with my name XXXX XXXX XXXX IS NOT HOW MY NAME SHOWS WITH MY EMAIL ADDRESS. THIS IS HOW I AM CERTAIN THE EMAIL SHOWN IS TYPED BY THEM AND IS A FRAUD! d. Also on PAGE # 6 Spring Oak Capital is showing a fraudulent payment of {$20.00} from me dated on XX/XX/2020. I have never spoken with them on the phone or via email and this is FRAUD! SHOW ME WHAT FORM OF PAYMENT FROM ME WAS PROVIDED TO YOU FOR THIS {$20.00} PAYMENT YOU ARE SHOWING ON PAGE {$6.00}. ALSO, IF A PAYMENT OF {$20.00} AS YOU ARE ALLEGING WAS PAID TO YOU, IT IS NOT BEING REFLECTED IN THE BALANCE SHOWING ON PAGE # 5. Page 6 : ( Fraudulent copy of an email sent to me ) The copy of this email is dated for XX/XX/2020. On this copy at the bottom you have the word Unsubscribe. This word by law is placed at the bottom of an email sent by a company which allows the receiver of the email to Opt Out of receiving additional emails from the company. If this is a COPY OF AN EMAIL YOU SENT TO ME, WHERE IS THE EMAIL HEADER? The email header would be on the top of the email message, once again showing the following ; -- -- -- Original Message -- -- -- From : ( Email address of the send will appear here ) Sent : ( The date and time stamp that the email was sent will go here ) To : ( Email address of the person the email was sent to will go here ) Subject : ( Subject of the email sent will be here ) b. You are showing and noting A PAYMENT OF {$20.00} PAID BY ME ON XX/XX/2020. I HAVE NEVER SPOKEN TO YOUR COMPANY ON THE PHONE OR BY EMAIL AND I HAVE NEVER MADE A PAYMENT OR PROVIDED A PAYMENT ARRANGEMENT WITH YOUR COMPANY! THIS IS FRAUD!! Page 7 : ( Fraudulent copy of an email sent to me ) The copy of this email is dated XX/XX/2020. You never had my email address until you RETRIEVED IT FROM THE XXXX COMPLAINT INFORMATION PANEL! b. This is how we know that the email copy is a fraud. If you have sent someone an email and provide that someone with a copy of the email that you sent to them, the format for the header of the email is as follows ; -- -- -- Original Message -- -- -- From : ( Email address of the send will appear here ) Sent : ( The date and time stamp that the email was sent will go here ) To : ( Email address of the person the email was sent to will go here ) Subject : ( Subject of the email sent will be here ) The format of the header on the copy that Spring Oak Capital sent was a fraud that they created. c. Inside the email address they are showing for me XXXX with my name XXXX XXXX XXXX IS NOT HOW MY NAME SHOWS WITH MY EMAIL ADDRESS. THIS IS HOW I AM CERTAIN THE EMAIL SHOWN IS TYPED BY THEM AND IS A FRAUD! d. Also on PAGE # 6 Spring Oak Capital is showing a fraudulent payment of {$20.00} from me dated on XX/XX/2020. I have never spoken with them on the phone or via email and this is FRAUD! SHOW ME WHAT FORM OF PAYMENT FROM ME WAS PROVIDED TO YOU FOR THIS {$20.00} PAYMENT YOU ARE SHOWING ON PAGE {$6.00}. ALSO, IF A PAYMENT OF {$20.00} AS YOU ARE ALLEGING WAS PAID TO YOU, IT IS NOT BEING REFLECTED IN THE BALANCE SHOWING ON PAGE # 5 AND PAGE # 7 Page 8 : THESE COPIES WERE NEVER MAILED TO ME AND IVE NEVER SEEN THEM BEFORE UNTIL XX/XX/XXXX PAGE 9 : THESE COPIES WERE NEVER MAILED TO ME AND IVE NEVER SEEN THEM BEFORE UNTIL XX/XX/XXXX PAGE 10 : : THESE COPIES WERE NEVER MAILED TO ME AND IVE NEVER SEEN THEM BEFORE UNTIL XX/XX/XXXX I AM JUST APPAULLED AT THE LIES AND FRAUD THAT HAS OCCURRED HERE!! A CONTACT PERSON NAME HAS NOT BEEN PROVIDED ON ANY DOCUMENTS SO WE DONT HAVE A NAME TO TIE BACK TO THE FRAUD HERE!
08/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	SC 293XX	Web
SPRING OAKS CAPITAL LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone : ( XXXX ) XXXX Account # XXXX Please be advised that I have received a computer-generated response requesting additional information. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, because it's not stating the information that's requested or give an area to submit the additional information. I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. These accounts are inaccurate under 15 U.S.C. 1692g validation of debt. They have been reporting inaccurate and incomplete account information to my credit file. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. XXXX XXXX Corp., No. 95-6445 ( C.D.CalXXXX XXXX XXXX ), they may be liable for your willful non-compliance. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. XXXX ), they may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions. ( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. These account are inaccurate under 15 U.S.C. 1692g validation of debt. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. Below I have attached the definition of the law as this is my right. Please have this inaccurate account removed from my credit as it is damaging my personal life or pay the {$1000.00} fine for breaking this law. 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs.
05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 190XX	Web
Validation of a Debt Request Pursuant to 15 USC 1692gb, Cease and Desist Pursaunt 15 USC 1692 ( C ) ( c ) I recently received communication from you attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification. Further more pursuant 15 USC 1692 ( e ) ( 3 ) False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney. You SPRING OAKS have no right under the law to send me any type of communication what so ever. Cease and Desist all communication immediately. Further More You SPRING OAKS Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that you are implementing your self. Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) This letter is CCed to the Bureau of Consumer Protection Finance as evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney ). Note I am a very litigious consumer, and I will proceed with legal action for all my consumer rights violations under this subchapter plus all remedies and actual damages as a result of your failure pursuant 15 USC 1692K. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated. If your office fails to respond to this validation request within 10 days from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report, and a copy of such deletion request shall be sent to me immediately. The Following information is required. Please fill out the form below in its entirety. Name and address of Alleged creditor : Name on file of alleged debtor : Alleged Account # : Address on file for alleged debtor : Amount of alleged debt : Date this alleged became payable : Date of original charge off or delinquency : Was this debt assigned to a debt collector or purchased? ____ No ____Yes Amount Paid if debt was purchased : Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants SPRING OAKS the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account? Yes No Have any Judgements been obtained by any creditor regarding this account? Yes No Please provide me the name and address of the bonding agent for SPRING OAKS, in case legal action becomes necessary :
04/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 190XX	Web
To Whom It May Concern : This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You XXXX have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST XXXX 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something 15 USC 1681 s-2 Says you XXXX are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. YOU HAVE 10 Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k. DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. Account name Acct # XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you,
10/31/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92626	Web	Servicemember
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. PlEASE REMOVE THIS ACCOUNT FROM MY NAME AND STOP ALL COLLECTIONS SPRING OAKS CAPITAL LLC XXXX XXXX XXXX XXXX XXXX XXXX PLEASE SEE ATTACHED 15 U.S.C. 1681 - U.S. Code - Unannotated Title 15. Commerce and Trade 1681 a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 604 - 15 U.S.C. 1681b ( 1 ) In general. A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and 605B - 15 U.S.C. 1681c-2 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and 605B - 15 U.S.C. 1681c-2 31 ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate
09/19/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 38464	Web	Servicemember
The company : Spring Oaks Capital On XXXX I was made aware that spring oaks capital had purchased some credit card debt in my name from XXXX XXXX, XXXX XXXX, while it was under dispute. I called spring oaks capital that day XXXX and put the account in dispute and told them I feel the payment amount is unjust. I was in the hospital for a long time during XXXX and almost XXXX and I only used the card a couple of times before being hospitalized, so there was no way all of the debt, plus late fees, plus interest were mine because the card had been maxed out, which I suspect was my girlfriend at the time. About 15 days later they sent me an email of a bill from the credit card company and that was it. So on XX/XX/2021 I called them back and redisputed the item with them and explained my situation again. Well, on that day I asked the person I was talking to if they would please just offer me a fair settlement and an allotted amount of time to pay before they put it on my credit report. Within about 10 minutes he came back on the phone and told me the lowest they could do was {$450.00} and give me 90 days to pay it. After that 90 days, they said it would go on my credit report if it wasn't paid in full. Even though I still felt like it was very unfair to me, I accepted and asked them to mail me a letter with the terms we agreed on and that was it. Skip to XXXX, 15 days later, I checked my credit report and the account had been reported. So again, I called spring oaks and the guy who answered Said he seen in the computer where we set up the deal and agreement and said he would transfer me to a supervisor. So a guy, I do have a name but will not mention at this moment, got I not the phone claiming to be a supervisor and told me that the dispute was resolved and they were allowed to report it... I told him it wasn't resolved at all, that it hadn't been 90 days and plus they agreed not to report it until after the 90 day period if I hadn't paid, which I would've... Well after that he told me that my only option now is to, I quote : " pay the {$450.00} today and he would make sure it would be removed from my credit. So he was leveraging this against me to make me pay money I didn't have at the moment. I told him I just didn't have {$450.00} right now and he belittled me and told me that {$450.00} wasn't much money to go get it and call them back and pay and he would remove it. I again said, I don't have the funds at the moment and this wasn't our agreement and now this report has dropped my credit score like 50 points, then he told me the sooner I could pay the sooner he would make sure it stopped affecting my credit. Well, at that point I told him I was contacting the FTC and CFPB him and he said, " we hear these threats daily, this doesn't affect us ''. Well, later that night I called XXXX to tell them what was going on and they said the account had been removed. She said there was no company on my credit report with that name. So, after all of that they did remove it that same day because they knew they were wrong for threatening me and stuff. At this point I really don't ever want to deal with them again I think they should dissolve the amount they say I owe ( I dont ) and leave me alone, because honestly, XXXX is the original amount and they offered me a {$450.00} settlement. I feel like after being treated the way I was that they violated enough FCRA laws to be fined and perhaps owe me well over {$450.00} or {$620.00}. All I can say is I do have the man 's name that basically leveraged my credit score against me to make me pay them money I couldn't get. And a screenshot of the account being on my report, and my phone log of the phone call to them, and proof it was removed that evening after the call to cover their tracks. I'm not sure what my options are, but hopefully there is something after the onslaught of XXXX XXXX, trying to use my credit report against me, and reporting an account that isn't accurate and still in dispute. ( Was in dispute before the report ).
09/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11580	Web
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnishers of information to credit agencies ) is a financial institution by definition under the title 15 USC 1681 section 604 a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Furnisher of Information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX, XXXX do not have my written consent. In addition, I the consumer have protection under the following 15 U.S. Code 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681o-Civil Liability for negligent noncompliance 15 U.S. Code 1681n-Civil Liability for willful noncompliance ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the CONSUMER as a result of the failure or {$1000.00}, whichever is greater ; If you can prove they willfully violated the act you are entitled to at least {$1000.00} PER VIOLTION PLUS ANY OTHER DAMAGES YOU HAVE SUSTAINED AS A RESULT OF THEIR FAILURE TO FOLLOW THE LAW. If you have to file more than 1 complaint of the violations after you complained the 1st time. The above Fair Credit Reporting Act is just a small fraction of the violations against I the consumer. All the violations above are currently on my credit report and have not been removed to date. I am requesting enforcement of these violations. I have sustained emotional distress, anxiety, and a considerable amount of stress due to the negligence of the reporting agencies XXXX XXXX and XXXX. I have also suffered significant financial lost due to the continued violations of my rights under the FCRA after informing in writing certified return receipt XXXX, XXXX, and XXXX of these violations. They are still reporting these inaccuracies. On XX/XX/23 three dispute letters requesting removal of incorrect reporting information was sent out via US Postal Service Certified Mail Receipt to XXXX which I will attach. In addition dispute letters was sent to XXXX XXXX XXXX on XXXXXXXX XXXX XXXX XXXX XXXX, and Spring Oaks Capital LLC on XXXX. These companies are in violation of my rights listed above. These item are presently still reporting to XXXX. I demand they be removed. I also demand under 15 US Code 1681 compensation for will full non compliance {$1000.00} for each violation in addition to {$1000.00} for all damages I have sustained as a result of their failure to follow the law. I have enclosed a invoice with all violations and compensation required. I appreciate your help in this matter and would like this resolved as soon as possible. The willfull act of the parties above caused severe stress and financial lost that is still consistent present day.
09/25/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75126	Web
On XX/XX/2023 I received a letter from XXXX XXXX XXXX with reference no. XXXX. With a debt amount of {$2400.00} allegedly claimed to be owed to Spring Oaks Capital SPV , LLC which claim to be collecting a debt for a creditor called XXXX XXXX XXXX XXXX XXXX with account number XXXX in who I have no account of dealing with. I deny every allegation of Debt Collectors original debt claims and demands strict proof thereof by a preponderance of the evidence as required by the Texas Rules of Civil Procedure. Furthermore, I denies the debt collectors allegation and request that all conditions precedent and all documents are validated and presented as I have requested ; Therefore, Above debt collector should be denied recovery and the claim voided, furthermore until the conditions precedent below have provided to me in its entirety. XXXX. AFFIRMATIVE DEFENSES By way of further Validation, in the alternative if such be necessary, and without waiving any of the foregoing, I XXXX XXXX XXXX, XXXX asserts the following affirmative defenses : XXXX. Illegality in contract law XXXX. Debtor is not liable to Debt Collector for the debt claimed because Debtor is entitled to an offset. XXXX the contract is illegal, and therefore, unenforceable. I am not requesting a response from your firm with just a few copies of the last billing statements that will not add up to the Balance amount owed and copy of contract agreement with no signatures written or digital indicated on contract agreement, and a copy of some bank Notification of Assignment, Sale or transfer of Credit Card Account that is deemed to be fraudulent. GENERAL DENIAL Pursuant to Tex. R. Civ. P. 92, and without waiving any other defenses. In pursuant to Fair Debt Collection Practices Act 809.Validation of debts. I am not asking your firm to provide my first and last name, mailing address and last four digits of my social security number or unresourceful amount of monthly billing statements but I am asking you to provide me with the following financial information and documents : Name and address of the original creditor Proof of the amount owed. If the account is a charged-off provide proof of the amount charged off. Proof that your company paid the amount sum of the charge off to be collected on. Proof of the opening and closing date of credit card agreement with original creditor. Proof that you own this account and have legal obligations to collect for this account. Include bill of sales transfer documents. Proof that Spring Oaks SPV, LLC is licenses business in the state of Texas. Proof of all financial statements or records beginning with the opening and closing date, which must include every purchase made by the debtor in any amount including interest, fees, late charges and purchases or expenses relevant to the principal obligation claimed owed by original creditor. Every amount must be proven without a doubt the debtor expressly authorized the transaction permitted by the law. Provide proof of documentation and all financial monthly statements that prove the balance is accurate and display how the balance was calculated to get to the amount claimed owed. Provide proof of documentation that includes all monthly statements of the balance decreasing and increasing due to fees and applied payments that were made to the original creditor during the duration of the alleged contract agreement that will detail how the principal obligation arrived at the amount claimed owed. Itemization of all payments applied during the duration of the contract agreement with original Creditor. I have been a victim of Identity thief and credit card Fraud I have my right to question any and all non agreements and causes that are found in my name without my approval.
03/17/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76011	Web
I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). I did not sign any agreement and/or contract with this company regarding any allege debt. And this company should provide a valid recorded copy of an assignment of transfer to be able to attempt to collect on uncollectable debt after the statute of limitations. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). This company is also attempting to collect debt that has exceeded the statute of limitations in the state of Texas. They consistently call and leave various voice mails from the following several numbers ( XXXX, XXXX, XXXX, XXXX, XXXX ) and when you attempt to call them back some of the numbers have been disconnected. This company does not have my permission to call me on any cell phone I may have possessed, currently possess or will possess in the future. They need to cease and desist their threats to sue requesting that I submit a written plaintiff statement in my defense and schedule a time and location for delivery of whatever, which is a violation of collection practices to threaten to sue someone or delivery lawsuit/judgement items to their place of employment. I am seeking an attorney to discuss a class action lawsuit as I believe this is their practice and they are violating several laws includes Texas Finance Code 392.202 ( b ) ( 2 ), FCRA, FDCPA, Texas Debt Collection Act and TCPA 47 U.S. Code 227. These calls are harassment and have been going on for months, which is a violation of FDCPA. A complaint has also been filed with the Texas Attorney General 's office. I will also be filing a lawsuit in the state of Texas due to the violation of the TCPA and FDCPA. Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
04/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30350	Web	Servicemember
I have attempted to resolve this fraud dispute due to identity theft on several occasions, I filed a complaint with the FTC and a police report which I will be attaching. The police report has the suspect information along with arrest information that I will be attaching to this complaint as well. I was contacted by an attorneys office via email on XX/XX/XXXX by the name of XXXX XXXX XXXX XXXX XXXX XXXX offering me settlement options for and account that has already been flagged as fraud. I proceeded to call the phone number provided in the email which is ( XXXX ) XXXX and I spoke with XXXX on XX/XX/XXXX I informed her that this account was opened fraudulently and that there has been several disputes and a police report was already filed, she informed me that I needed to fill out a fraud affidavit and send the police report along with the case number for the ID theft, which I agreed to do. she informed me that she would put a request in for the fraud affidavit to be mailed out. I called back aprox 1 week latter to follow up with the fraud affidavit because I have yet to receive it and time is of the essence. I spoke with XXXX on XX/XX/XXXX and he informed me that he sees in the notes that the fraud affidavit was sent out on XX/XX/XXXX which is 7 days from the date it was requested, He also informed me during that call that the law office of XXXX XXXX XXXX couldn't remove and negative information from reporting as a result of ID theft even after they receive the fraud affidavit and police report and that I would have to contact his client directly which is Spring Oaks Capital LLC and provided me with a phone number. I called Spring Oaks Capital LLC on XX/XX/XXXX and after identifying myself they informed me that I needed to speak to another dept named XXXX XXXX which is handling the account and proceeded to transfer the call. I then requested to speak with a supervisor and ended up speaking with XXXX on XX/XX/XXXX and she informed me that her office acquired the account mid XX/XX/XXXX. ( Be mindful that I filed a dispute with XXXX early XX/XX/XXXX and sent a copy of the police report along with the FTC complaint ). XXXX also informed me that she did receive my police report and that her office is investigating the fraud, during that time she also informed me that XXXX XXXX has no control of the XXXX XXXX XXXX account reporting on my credit and that I need to contact Spring Oaks Capital LLC to remove the account. I hung up and called back, and spoke with XXXX XXXX at XXXX XXXX XXXX, she informed me that they received the dispute XX/XX/XXXX and the investigation results was denied on XX/XX/XXXX because there was a payment made on the account, and after her looking into the account further she mentioned that : " it didn't make any sense because there was a payment made on XX/XX/XXXX for {$100.00} but the payment that was made was an auto payment from customer rewards '' She also informed me that my police report was received. today is XXXX/XXXX/XXXX and I still haven't received the supposedly required affidavit to complete the investigation and relieve me from this fraudulent debt. The file No. for the XXXX XXXX XXXX XXXX XXXX XXXX is XXXX Spring Oaks Capital LLC is reporting invalidated fraudulent information to the credit bureaus and said action might constitute fraud under both Federal and State laws. Due to this fact this is my final attempt to have this matter resolved prior to contacting the National Association of Attorney General and seeking legal action.
04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	VA 22153	Web
To whom it may concern, Pursuit to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company also has NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4. I am writing to dispute the account that are currently being reported on my credit report. I initially disputed these accounts due to identity theft concerns, but now I am disputing them because the debt has not been validated within the required timeframe. I do not need to provide further documentation and I am not required to do so. I am demanding that you remove all negative information related to this debt from my credit report. Furthermore, the same accounts are reporting multiple times, which is impacting my score 3 times more and directly violating XXXX XXXX. As you are aware, under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or incomplete information on their credit reports. Furthermore, the FCRA requires that credit bureaus investigate and respond to disputes in a timely manner. The creditor reporting the negative accounts is also required to do this with the same guidelines or they have to delete the accounts and stop reporting. Not only did the credit bureau fail to properly validate the debts within the 30-day period, but they also failed to do so within the 45-day and 60-day periods allowed by law. I have disputed these debts multiple times, but the credit bureau has not provided adequate validation for any of them. According to the Fair Credit Reporting Act, Section 623 ( a ) ( 6 ), " If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall ... conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. '' I have taken the necessary steps to address this issue with you, but your response has been unsatisfactory, and they have acting negligently and not in a timely manner. Therefore, I believe that you have violated my consumer rights by failing to comply with several federal laws, including the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. These violations include, but are not limited to, attempting to collect a debt that has not been validated, harassing me with multiple phone calls and letters, and reporting inaccurate information to credit reporting agencies. I request that you investigate this matter and remove and delete the disputed accounts from my credit report as soon as possible as you are violating 15 USC 1692g. Please provide me with written confirmation of the deletion of these accounts.This is a time sensitive matter and I have already been denied a home loan because of the inaccurate reportings and should this matter not be resolved as soon as possible then I will be taking legal action. Thank you for your attention to this matter.
01/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37013	Web	Servicemember
Full Dispute Attached! This company continually and intentionally fails to comply ( Acct XXXX ). Responded to initial complaints stating " X amount was charged off XXXX ) I have requested a copy of this companys TENNESSEE COLLECTION SERVICE LICENSE. The Tennessee Collection Service Board licenses and regulates collection agencies ( attached ). Tennessee Collection Service Act 62-20-105 -License requirement ( a ) No person/business shall commence, conduct or operate any collection service business in my state unless the business holds a valid collection service license issued by the board under this chapter-UNLICENSED ACTIVITY. In addition,15 USC 1681 ( a ) ( 4 ) -I have the right to privacy. 15 USC 1681b ( a ) 2 -states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. Under 15 U.S. Code 1681c ( a ) ( 5 ) -states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. Ive also requested : XXXX.A complete Audit Trail calculation of this balance, including the complete payment history on account, so I have proof the debt amount is correctXXXXDocumentation that shows I agreed to pay you this debt with signature and which shows I gave you permission to have my information and paperwork showing I gave you authorization to report this to my credit report. No consent to having my information and unauthorized use of my social security number is identity theft and will be reported for such.XXXX.The Agreement that grants you authority to collect on this alleged debt.XXXX.The purchase agreement showing where you purchased my personal information without my consent which is fraud because you are unknown to me I never did business with you XXXXSenior Executive from your office to Swear under penalty of perjury this corporation was present during the alleged debt XXXX.The Original Promissory Note on this Alleged Debt. Multiple FDCPA violations. Sending deceptive forms, false & misleading representations, validation of debts, unfair practices. This will now be investigated by the FTC, CFPB, Tennessee Collection Service Board, and AG. Please, no adverse actions against me, and no reinsertions. I have to proceed with legal action for violations ALREADY committed if this collection is not closed and removed from my credit reports immediately. Lastly, to add to all other violations, this company stated that they purchased this debt and my personal information ( violation ) at {$1800.00}. Anything over {$600.00}, by law ( IRS ), requires a XXXX to be issued to me and I would need to report this as income. This leads to form XXXX and tax fraud! By law, this can not be debt and income at the same time. Bureaus publication states income is not be reported at all. Attached : XXXX ) Full Dispute XXXX ) FDCPA violations XXXX ) Tennessee Collection Service Act XXXX ) Credit Report XXXX ) FTC Report
11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	MI 48224	Web
Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Re : Complaint Against Reporting Entity for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX XXXX ( hereinafter referred to as " XXXX '' ) regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and, specifically, their failure to adhere to the provisions outlined in Section 611 ( a ) ( 8 ) of the FCRA. This complaint is submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and appropriate action. On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to On XX/XX/XXXX, I, as a credit consultant, sent a certified letter to XXXX requesting the validation of a collection account as per the provisions set forth in the FCRA. The collection account in question pertains to SPRING OAKS XXXX XXXX which alleges that I opened an account on XX/XX/XXXX, and currently maintains a balance of {$560.00}. The FCRA mandates that the credit bureau, in this case, XXXX must ensure the accuracy and completeness of the information they report. We are filing this complaint on behalf of our client, who is experiencing issues with a closed account reporting negative information on their credit report. Pursuant to our efforts to address this matter, we sent a Validation of XXXX letter to the reporting entity, as allowed under the FCRA. Despite our repeated attempts, we have not received any response from the reporting entity. This lack of cooperation is a clear violation of our client 's rights under the FCRA, particularly under the following sections : FCRA Section 611 ( a ) ( 1 ) ( A ) : This section requires consumer reporting agencies to promptly investigate disputes regarding the completeness or accuracy of any information provided by a consumer and to correct or remove any inaccurate information. FCRA Section 623 ( a ) ( 2 ) : This section mandates furnishers of information to report accurately and prohibits the reporting of information that they know or have reasonable cause to believe is inaccurate. Enclosed, please find a copy of the Validation of Debt letter we sent to the reporting entity, along with proof of delivery. We believe that our client 's rights have been willfully neglected, and we seek the intervention of the Consumer Financial Protection Bureau to ensure a fair resolution in accordance with the FCRA. We kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter, compelling the reporting entity to respond appropriately and take corrective action. We appreciate your prompt attention to this issue and look forward to a swift resolution. If you require any additional information or documentation, please do not hesitate to contact me at XXXX Thank you for your commitment to protecting consumers ' rights and ensuring the fair implementation of the FCRA. Sincerely, XXXX XXXX XXXX XXXX
12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20020	Web
" According to the Fair CreditReportingAct 15 USC1681 section 602 a states '' There is a need to insurethat consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and arespect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies andI am the consumer. I have the right tomake sure my private information isn't shared which is backed by 15 USC6801 which states '' It is the policy ofthe congress that each financial institution has an affirmative and continuing obligation to respect theprivacy of its customers and to protect the security and confidentiality of those customersnonpublic personalinformation. '' ( Furnisher of informationto credit agencies ) is a financial institution by definition under that title. 15 USC1681 section 604 a section2 states that " In general subject tosubsection ( c ), any consumer reporting agency may furnish aconsumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely donot have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher ofinformation to credit agencies ) whetherit beverbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose non-public personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise thatnon-disclosure option. '' ( Furnisher of information to credit agencies ) Neverinformed me of my right to exercise my non-disclosure option. Not only that 15USC 1681C ( a ) ( 5 ) states '' Except as authorizedunder subsection ( b ), no consumerreporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records ofconvictions of crimes which antedates the report bymore than seven years. '' This account is an adverse item theyare reporting again without my permission which is against the law. 15 U.S.Code 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c ofthis title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' Aconsumer may exercise the right to opt out atany time. '' I am opting outof your reporting services.
05/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 78665	Web
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This SPRING OAKS CAPITAL LLC account with a balance of {$470.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports.The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31904	Web
After checking my most recent consumer report, I noticed you are furnishing accounts that violates my Fair Credit Reporting Act rights that Congress gave me as a consumer. The reporting of this account has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit obligations for personal purposes. Ultimately your negligence has damaged my livelihood and my ability to grow in life using credit. A charge off is a severely delinquent account that the original company decided to not collect on any more due to their company reasons. The FCRA law I break down literally explains that a Charge off, which is a severely delinquent account aka a transaction, is not included in the consumer report! And by it reporting to my consumer report its a violation its illegal because crime at a federal level is illegal and violations to my FCRA rights are Federal Crimes! 15 U.S. Code 1681a Definitions ; Rules of Construction, ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Transactions or experiences are not included in the consumer report yet this charge off is on my consumer report. A charge off is a severely delinquent payment. A delinquent payment is a form TRANSACTIONS. This charge off reporting to my consumer report is an EXPERIENCE between myself and XXXX XXXX. You are HEREBY put on NOTICE that you are furnishing inaccurate information. XXXX XXXX XXXX ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. How are you following reasonable procedures to assure maximum possible accuracy with this account reporting to my consumer report? Without Permissible Purpose, anyone paying for your reporting services could fax, mail or email fraudulent information to my consumer report. 15 USC 1681b- Permissible Purpose of consumer reports- ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I hereby put you on notice. I DID NOT GIVE YOU WRITTEN INSTRUCTIONS to report THIS ACCOUNT TO MY CONSUMER REPORT In conclusion, I have shown you and put you on notice that you are in CLEAR VIOLATION of the FAIR CREDIT REPORTING ACT. DELETE THE ACCOUNTS REFERENCED ABOVE FROM MY CONSUMER REPORTS IMMEDIATELY!
08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32771	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AN ALLEGED DEBT RECENTLY. PLEASE BE ADVISED THAT I HEREBY DISPUTE THE VALIDITY OF THE ABOVE-LISTED ALLEGED DEBTS IN ITS ENTIRETY. I REQUESTED VERIFICATIONS/VALIDATION OF THE ALLEGED DEBT AND SPECIFICALLY REQUESTED A COPY OF THE ORIGINAL CONTRACT OR AGREEMENT SIGNED BY THE ALLEGED ORIFINAL CREDITOR AND ALL PARTIES TO ANY SUCH CONTRACT PROVIDED. NOTE: A BILLING STATEMENT, NOTICE OR ANY UNSIGNED DOCUMENTS IS NOT VERIFICATION OF THE ALLEGED DEBT. YET YOU SEND A BILL STATEMENT WITH NO CONTRACT OR SIGNITURE PROVING THAT THIS ALLEGED DEBT IS MINE AND LIED ABOUT PROPERLY VERIFYING THESE ACCOUNTS. MAIL WAS RETURED FROM ADDRESS BECAUSE THAT IS NOT MY ADDRESS. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TOCOLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTIONS ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES (CRAS). PROVIDING ME THE SPECIFIC VERIFICATION DOCUMENTS ABOVE SHALL BE DEEMED COLLECTIONS ACTIVITY. FURTHER, I REQUEST THAT YOU PROMPTLY DELETE ANY AND ALL PRIOR CONSUMER REPORTING MADE TO ANY CRAS.IF YOU COMPLY WITH MY CEASE COLLECTION & DELETEION REQUESST, THEN YOU ARE EXCUSED FROM VERIFICATION. IF YOU OPT OUT TO PROVIDE VERIFICATION, ALSO PROVIDE PROOF OF THE CHAIN OF TITLE OF OWNERSHIP OF THE DEBT. IF THE ALLEGED DEBT WAS ACQUIRED BY A DEBT BUYER, THEN PROOF OF CHAIN OF TITLE OF THE ALLEGED DEBT MUST BE FROM THE ALLEGED ORIGINAL CREDITO TO THE CURRENT ALLEGED OWNER WITHOUT ANY BREAK IN CHAIN. NOW, I KNOW THESE ACCOUNTS IS IN VIOLATION OF MY RIGHTS AND I KNOW YOU THINK YOU'RE GETTING OVER BY PLACING DEBTS YOU RANDOMLY GOT FROM YOUR DEBT BUYER ON MY CREDIT REPORT AS A WAY TO TRY AND HURT ME, BUT THIS WONT FLY WITH ME. YOU HAVE 15 DAYS FROM THE DATE OF THIS LETTER TO SEND EVIDENCE THAT THIS ACCOUNT IS MINE. I WILL NOT ACCEPT ANOTHER BILL ONLY THE ORIGINAL CONTRACT WITH MY SIGNITURE! I TRUST THAT YOU WILL DO YOUR DUE DILIGENCE AND UPHOLD THE 105 REGULATIONS SET OUT FOR YOU IN THE FDCPA AND FCRA AND YOU WILL BE DELETING THIS ACCOUNT, BUT I ALSO DO WANT YOU TO KNOW THAT I KNOW MY RIGHTS! THIS LETTER IS EEVIDENCE THAT MAY BE PROVIDED TO THE CONSUMER FINANCIAL PROTECTION BUREAU (CFPB). THE CFPB IS AUTHORIZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I WILL TURN THE MATTER OVER TO A CONSUMER ATTORNEY. SINCERELY XXXX XXXX
11/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN XXXXX	Web
RE : REFERENCE # XXXX In response to the Validation of Debt of Account # XXXX dated XXXX XXXX. Be advise that after a review of the documents that were sent it has been determined that Spring Oaks Capital LLC is in possession of my Non-Public Personal Information without my consent ( See Attached ). which violates ( 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ) Spring Oaks Capital LLC is a Non-Affiliated Third Party. Spring Oaks Capital is using false, deceptive, or misleading representation or means in connection with the collection of this alleged debt. ( 15 U.S. Code 1692e - False or misleading representations ) Spring Oaks Capital is using false representations and deceptive means to attempt to collect this alleged debt. ( 15 U.S. Code 1692e ( 10 ) ) which states " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' Spring Oaks Capital sent a copy Bill Of Sale with redacted information that document can not bee used as evidence of a debt. ( See Attached ) Furthermore, there is no competent evidence that I have a legal obligation of this alleged debt. Additionally, Spring Oaks Capital LLC has not provided the required documents to prove that Spring Oaks Capital has the LEGAL right to collect and furnish this alleged debt. In the Validation letter that was sent to Spring Oaks Capital LLC the response was missing answers and/or documents to prove this allegation. The following questions and or requested documents were not answered or provided per my Validation Request ( See Attached ) 1. ALL required disclosures pursuant to 12 CFR Part 1006.42 3. Signed agreement Debtor has made with SPRING OAKS CAPITAL LLC or other verifiable proof Debtor has a contractual obligation to pay SPRING OAKS CAPITAL LLC. Any agreement that bears the signature of Debtor, wherein agreed to pay SPRING OAKS CAPITAL LLC. 7. Please provide the name and address of the bonding agent for SPRING OAKS CAPITAL LLC in case legal action becomes necessary : Authorized Signature of Creditor : ______________________ In my Validation letter you were put on notice that your Claim WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents pursuant to the Fair Debt Collection Act 12 CFR Part 1006.34 Your office has failed to properly respond to a validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report, and a copy of such deletion request shall be sent to me immediately. Regards, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
11/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN XXXXX	Web
RE : REFERENCE # XXXX In response to the Validation of Debt of Account # XXXX dated XXXX XXXX. Be advise that after a review of the documents that were sent it has been determined that Spring Oaks Capital LLC is in possession of my Non-Public Personal Information without my consent ( See Attached ). which violates ( 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ) Drivers License Bank Account Info Pay Stubs Tax Info Spring Oaks Capital LLC is a Non-Affiliated Third Party. Spring Oaks Capital is using false, deceptive, or misleading representation or means in connection with the collection of this alleged debt. ( 15 U.S. Code 1692e - False or misleading representations ) Spring Oaks Capital is using false representations and deceptive means to attempt to collect this alleged debt. ( 15 U.S. Code 1692e ( 10 ) ) which states " The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. '' Furthermore, there is no competent evidence that I have a legal obligation of this alleged debt. Additionally, Spring Oaks Capital LLC has not provided the required documents to prove that Spring Oaks Capital has the LEGAL right to collect and furnish this alleged debt. In the Validation letter that was sent to Spring Oaks Capital LLC the response was missing answers and/or documents to prove this allegation. The following questions and or requested documents were not answered or provided per my Validation Request ( See Attached ) 2. Agreement with your client that grants SPRING OAKS CAPITAL LLC the authority to collect this alleged debt. 3. Signed agreement Debtor has made with SPRING OAKS CAPITAL LLC or other verifiable proof Debtor has a contractual obligation to pay SPRING OAKS CAPITAL LLC. Any agreement that bears the signature of Debtor, wherein agreed to pay SPRING OAKS CAPITAL LLC. 7. Please provide the name and address of the bonding agent for SPRING OAKS CAPITAL LLC in case legal action becomes necessary : Authorized Signature of Creditor : ______________________ In my Validation letter you were put on notice that your Claim WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents pursuant to the Fair Debt Collection Act 12 CFR Part 1006.34 Your office has failed to properly respond to a validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report, and a copy of such deletion request shall be sent to me immediately. Regards, XXXX XXXX XXXX : Consumer Finance Protection Bureau
12/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60652	Web	Servicemember
I would like to mention XXXX companies. The first one is a credit card company named XXXX XXXX which also goes by the name of XXXXXXXX XXXX XXXX The other is a collections agency that goes by the name of Springs Oaks Capital LLC. They came into play when XXXX XXXX fraudulently sold my account to them and they then attached themselves to my account trying to collect a debt they are not entitled to. On XX/XX/XXXX I called XXXX XXXX aka genesis fs card to pay off my balance and close the account. The call taker ask why I wanted to close the account and I informed to her that a XXXX XXXX dollar line of credit was no longer beneficial to me. Furthermore, I told her that I had much higher credit limits on other accounts and that this account was never going to increase it's credit line. She said she understood and proceeded to look over my account. She stated the the balance was {$260.00}. I gave her my XXXX debit card info and processed the payment. She asked if there was anything else needed and I said no and we closed out the conversation. About a month later I received a notice indicating I had an outstanding balance. I called them and this time the call taker informed me that my account was over the {$300.00} limit. I informed her that the account had been paid in full and the account was closed effective XX/XX/XXXX. She then stated the payment was charged back to my account at which time I told her to hold on as I pulled up my bank statements form XXXXXXXX XXXX. I looked over the account and informed her that the payment was never charged back to my account and the payment was processed and cleared. She further looked over my account and stated a mistake had occurred on their end and she was going to correct the problem. She went on to say those were fee assessments. She then stated she removed the fees and informed me that account was paid in full, with a XXXX balance making the account whole. I thanked her and the conversation ended. In XX/XX/XXXX XXXX months later I received a letter from genesis fs card services stating that my account had been charged off due to an outstanding balance of {$280.00} and the account had been sold to Springs Oaks Capital LL. My bank statements clearly shows the payment received and processed. I reach out to XXXX XXXX several times to no avail. I have paid for a credit repair company to intervene as well. Still the results all have been the same. The XXXX XXXX XXXX informed me to obtain a law firm to handle my case. I did that and the law firm informed me to contact CFPB. So I have escalated this all the way to this XXXX for assistance. I have documents that will support all of what I stated.
11/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30331	Web
To Whom it May Concern, I received a notification on my XXXX report # XXXX that Spring Oaks Capital LLC # XXXX hit my report with a debt that was discharged and disputed in XXXX and I learned that Spring Oaks Capital LLC is a debt buyer who bought the debt and have added it to my credit report without any communication from you. I called roughly on XX/XX/XXXX the moment I saw the notification and you asked to verify my phone number and email address and it was at that time I learned who and what XXXX was aka XXXX, I NEVER got any phone calls nor emails as I look at in and all emails received. The agent at Spring Oak LLC gave me details and I have " NO " knowledge and I mentioned to her that I remember seeing the account name in my ID theft. This debt was discharged due to ID theft XXXX Affidavit and XXXX Police report that was filed the moment it occurred with other items. All of my information somehow was used to open several accounts that caused major havoc to my file. What disappoints me most is that this could have been settled before you posted an account that was disputed and deleted many years ago because of me being a victim of identity theft and no one contacted me. I also noticed on my XXXX file that this account was placed for collections in XXXX and it is now XXXX and this is the first time that I have even heard of anything about this collection. I have attached the ID theft case and affidavit The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report that involved ID theft. Also per the CFPB policy before a debt collector can report your debt to a credit reporting company, the debt collector must do any one of the following : 1. ) Speak with you in person about the debt, I never spoke with anyone 2. ) Speak with you by telephone about the debt, never called me 3. ) Mail you a letter about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the letter wasnt delivered, or 4. ) Send you an electronic communication about the debt and wait a reasonable amount of time ( generally 14 days ) for a notice that the message wasnt delivered. Especially since the debt started collection started in XXXX and it is now XXXX. All of the above NEVER happened I am also disappointed in how XXXX allowed this to happen for they have received all of the proper documents years back and along with my ID theft it was disputed and removed because the ID Theft. XXXX has failed and should not have allowed this to happen and did not follow FCRA laws.
10/08/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 31601	Web
Previously I wrote and asked that Spring Oaks Validate this alleged debt by providing the Original Contract with XXXX XXXX with my signature and they did not! I also asked that they provide a FULL PAYMENT HISTORY of this alleged debt with XXXX XXXX the original creditor and they did not! I did receive some sort of bill in my email as proof of this alleged debt but that is not validation for me. I am unsure the bill is real and from the original creditor XXXX XXXX. And if it was from XXXX XXXX, then why didn't they request the payment history and original contract as well from XXXX XXXX like I asked them to do? What I do know is that this alleged debt is listed as a charge off on my report with XXXX XXXX and they have written off {$980.00} with the IRS. This means that XXXX XXXX closed the account because the no longer expected to gain any payments on it in the future. This also means my current balance with XXXX XXXX is {$0.00}. So how is it that Spring Oaks Capital is trying to pop up in my life and try to collect {$980.00} from me for this alleged debt? When did I ever have business with Spring Oaks Capital? I did not or do not have any type of business agreement or contract with Spring Oaks capital. I never gave XXXX XXXX permission or any written authorization to share/ release my private information to any third party or collection agency. Title 15 USC 1681 section 602 states I have a " Right to Privacy '' and a creditor needs my written consent to report or share my information with any third party. Therefore, XXXX XXXX has violated my rights when they shared my information with Spring Oaks Capital without my WRITTEN CONSENT. Now Spring Oaks capital is currently in violation of 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties,15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt,15 USC 1692f Unfair Practices attempting to collect an alleged debt and 15 USC 1692b ( 5 ). Therefore, my request is that Spring Oaks Capital stop/cease any and all credit bureau reporting of this alleged debt Permanently, do not transfer or sell this alleged debt, or my personal information to any other collections agencies. And I want a written response to my address above stating that this alleged debt account is closed in their system and will not be transferred or sold again to any agency or I will seek for damages thru a consumer rights attorney. At this point I believe Spring Oaks Capital Owes me about {$3000.00} for all the violations they put me thru and they need to pay me immediately!
03/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 37129	Web
1.I have never had an account with this company Spring Oaks Capital LLC , REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are Spring Oaks Capital LLC the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27804	Web
I recently viewed my XXXX XXXX consumer report and noticed a fraudulent account reporting in collections from company name SPRING OAKS CAPITAL. I immediately called XXXX XXXX to dispute the account and to obtain the account number since it was not present on the report. The Fair Credit Reporting Act, 15 USC 1681e reads - Compliance Procedures ( b ) Accuracy Of Reportreads, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. MAXIMUM POSSIBLE ACCURACY MAXIMUM IS 100 %. This account isn't accurate at all. I haven't been able to sleep great at night since seeing this account on my consumer report knowing it's not mine. I feel like I'm being taken advantage of and its stressing me out because I'm getting denied credit due to this account. I'm unable to live my best life because of this account. Furthermore when I called XXXX XXXX, a male rep stated to me that he could not provide me with the account number to this collection account and that I can call the collection company to get the account number myself. I felt like that was very rude so I said no problem, I called SPRING OAKS CAPITAL and spoke with a female rep. The rep stated " this is an attempt to collect a debt, and any information obtained will be used for that purpose. '' I told her I dispute the debt and that its fraudulent. The rep said great, ok, and she's glad I called to let them know about the account as well as they will investigate. First and foremost why do I need to let SPRING OAKS CAPITAL know about an account that they claim to know so much about that they reported the account to XXXX XXXX as a collection. SPRING OAKS CAPITAL nor any of its agents/officers/directors haven't spoken to me, nor received written communication from me until they reported a fraudulent account on my consumer report. I also asked the rep for the account number and the rep stated its # XXXX. How are they conducting an investigation, with whom are they conducting an investigation with, and for what when this SPRING OAKS CAPITAL account do NOT belong to me? It's clear this company is in violation of the FDCPA and FCRA. I do NOT and nor have I ever had a contract or an agreement with SPRING OAKS CAPITAL. This account is fraudulent and need to be removed from my consumer report immediately.
06/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48234	Web
Spring Oak Capital SPV, LLC has reported inaccurate information about ( ACCOUNT XXXX ) to XXXX, XXXX, and XXXX consumer reporting agencies. Spring Oak Capital SPV, LLC has failed to conduct a reasonable investigation regarding the disputed information. If a reasonable investigation took place, the inaccurate information would have been discovered and changed accordingly. Instead, the inaccurate information was verified, and no changes were made. The inaccurate reporting of this account is damaging my ability to get credit, negatively affecting my credit score, and has caused me emotional distress. I have disputed the accuracy and completeness of this account with the consumer reporting agencies on multiple occasions and the results come back verified. I have also sent a complaint ( XXXX ) to the Consumer Financial Protection Bureau to resolve the inaccurate reporting and requested the deletion of this account which was declined. Spring Oak Capital SPV, LLC has failed to satisfy its duty under the Fair Credit Reporting Act 15 U.S.C.1681s-2 ( b ). After my dispute was received by the credit reporting agencies, Spring Oak Capital SPV, LLC received a notification from the credit reporting agencies that the account was disputed. Spring Oak Capital SPV, LLC responded to the credit reporting agencies confirming the accuracy of the account without investigating, therefore violating the FCRA. This violation has occurred with all three credit reporting agencies and you are liable for the sum of {$3000.00} under 15 U.S.C. 1681n. Additional equitable relief sought is the deletion of this tradeline, with no future reinsertion to XXXX, XXXX, XXXX, and or any other consumer reporting agencies that may have been furnished with this account information. To allow you the reasonable opportunity to resolve this matter, you have no later than 14 days respond. Failure to respond will result in the escalation of this matter to arbitration. Furthermore amongst checking my report XXXX XXXX Failed to notify all Credit Reporting Agencies of the DELETION OF The ACCOUNT THEY DECIDED TO REMPOVE OFF OF MY XXXX CREDIT REPORT BUT THEY DID NOT NOTIFY XXXX OR XXXX OF THE DELETION OF THE TRADELINE. XXXX ALSO SHOWS THE ACCOUNT STILL REPORTING AFTER I RECIEVED A NOTIFICATION THAT AROUND XXXX XXXX XXXX THAT THEY REMOVED THE TRADELINE FOR THE ACCOUNT WITH CELTIC BANK WHICH IS INDIGO. Which is another violation.
11/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89081	Web
XXXX XXXX XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Nv, XXXX Last XXXX of SSN # XXXX XXXX : Consumer financial protection bureau To whom it may concern I am writing to dispute the following information on my credit report. I recently received a copy of my credit report, and I found the following information reporting to my credit. No Account number listed for this account, Spring Oaks Capital LLC XXXX XXXX XXXX, XXXX, VA XXXX ( XXXX ) XXXX, amount listed $ XXXX dates and the amount owed. By you continuing to report accounts on my credit report without my written consent along with you not respecting my right to my privacy this is identity theft Any transaction on here is a transaction that was from real life experience which is suppose to be excluded from my consumer report You are continuously updating the date of the last activity every single month on these collection accounts. It is clearly obvious that you are prolonging the statute of limitations for these account to make them last longer on my consumer report.the date last active is XXXX XXXX and I'm sure you will change it in the next month Im not sure if you have some type of business relationship with the collections agency but i am not happy that you are changing the date every month. This account was put on my report XXXX XXXX XXXX and you are making this account look newer than what it really is which is false and misleading. Delete This inaccurate account from my report or I will be pursuing litigation for actual damages of artificially damaging my XXXX score Please tell me how you verified these items as I have a right to know since the investigation you did last month is already over. Who did you talk to the original grantor? Did you write? I have no knowledge of this creditor nor did I give authorization for this creditor to report on my account. I literally have no knowledge of this account and this is identity theft. I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are inaccurate, According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA -You are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. I await your reply. Once you have fulfilled my request, Mail me an updated credit report reflecting the changes. Sincerely, XXXX XXXX XXXX
09/02/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 24502	Web
XXXX ( XXXX ) XXXX Spring Oaks Capital Purchased The Debt Balance XXXX Credit Limit XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX Remarks Charged off as bad debt Dispute Resolved Customer Disagrees They have sold the debt to ( Springs Oaks Capital ) I have contacted the company and disputed with them haven't recieved a response ( A ) I Have deputed with the credit all 3 credit bureaus, also XXXX XXXX XXXX and I haven't received the proof of how the account was verified ( B ) I have no acknowledgement of the account it's becoming more difficult with the misleading information. I have the right to a accurate credit report and it is illegal to have misleading information on a report without providing the proof they are violating the rights of the fair credit reporting Act. the Credit limit on the card for XXXX is ( XXXX ) the Credit limit on the card showing on the report for XXXX is ( XXXX ) The credit limit on on the credit card showing on the XXXX report is ( XXXX ) This Is inaccurate information based on this it needs to be deleted off the credit report The High Balance On The Credit Card Is Inaccurate. The High Balance On The Card For XXXX Credit report is ( XXXX ) the high balance on the XXXX credit report is ( XXXX ) the high balance on the XXXX Credit report is ( XXXX ) this is inaccurate information based on this it needs to be deleted from my credit report last reporting dates are also inaccurate XXXX States ( XX/XX/XXXX ) XXXX states ( XX/XX/XXXX ) XXXX states ( XX/XX/XXXX ) this is inaccurate information reporting it needs to be deleted from my credit report because if the account is closed how can they report anything this is in violation of the FCRA Dates of last activity states for XXXX ( XX/XX/XXXX ) for XXXX ( XX/XX/XXXX ) for XXXX ( XX/XX/XXXX ) this is inaccurate information the account needs to be deleted from my credit report Date Of last Payment XXXX Shows ( XX/XX/XXXX ) XXXX Shows ( XX/XX/XXXX ) XXXX Shows ( XX/XX/XXXX ) The Dates are inaccurate and does not match it needs to be deleted off my credit report and XXXX is showing payments was made to the account XX/XX/XXXX ) - ( XX/XX/XXXX ) and no payments was ever made this is false and inaccurate information please remove this negative account from my credit report it is causing me great harm and stress they are breaking so many laws and also re aging the account which is a violation
06/07/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KY 401XX	Web
My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against SPRING OAKS CAPITAL LLC, for committing identity theft. I have never given SPRING OAKS CAPITAL LLC, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with SPRING OAKS CAPITAL LLC and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving SPRING OAKS CAPITAL LLC any right to collect on this alleged debt. I have never received any documentation requesting validation from SPRING OAKS CAPITAL LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If SPRING OAKS CAPITAL LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until SPRING OAKS CAPITAL LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and SPRING OAKS CAPITAL LLC, continues its collection efforts, I will file for litigation for actual damages caused and SPRING OAKS CAPITAL LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
08/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32771	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX SSN XXXX RE : Account XXXX ACCOUNT : XXXX Dear SPRINGOAKCAP, I am continually being called on the telephone by your firm over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I am requesting payment history between me and the original creditors as well name and address of original creditor. I am also requesting to see proof of debt assignment. I request that you cease contacting me via telephone and all future correspondence be in writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. App. LEXIS XXXX. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( D.Conn., XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Intimate knowledge of the creation of the debt by you, the collection agency. As I am sure you are well aware, under FDCPA XXXX XXXX ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES XXXX XXXX FOR XXXX XXXX XXXX XXXX XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. I look forward to a speedy resolution of this matter. Sincerely, Your Signature enclosures
09/23/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	IL 60617	Web
I am writing to file a complaint against Spring Oaks Capital LLC regarding their repeated calls and mailed correspondence in relation to a debt they claim I owe. Despite my efforts to resolve this matter through two separate dispute letters requesting verification of the debt, Spring Oaks Capital LLC has failed to provide any evidence to support their claim. The debt in question, allegedly amounting to {$570.00}, is purportedly owed to XXXX XXXX XXXX. However, Spring Oaks Capital LLC has not provided any contractual agreements bearing my signature, nor have they presented my Social Security Number or the correct address associated with the debt they claim I owe. These blatant discrepancies raise serious concerns regarding the legitimacy and accuracy of this debt. As a consumer, I have the right to request validation and proof of the debt 's validity. It is disconcerting that Spring Oaks Capital LLC has disregarded both my previous dispute letters and my right to obtain this information. This failure to verify the debt creates an unfair burden on my financial standing and negatively impacts my credit report without sufficient justification. Therefore, I kindly request your assistance in urging Spring Oaks Capital LLC to either provide substantial evidence proving the debt 's validity, including any legally binding agreements bearing my signature, or to immediately remove the disputed debt from my credit report. I believe that Spring Oaks Capital LLC 's unjustified persistence in pursuing an unverified debt goes against the regulations set forth by the Fair Debt Collection Practices Act. I trust in the Consumer Financial Protection Bureau 's dedication to consumer protection and their commitment to ensuring fair and ethical practices within the financial industry. Enclosed with this complaint, you will find copies of my previous dispute letters sent to Spring Oaks Capital LLC. I also authorize the Consumer Financial Protection Bureau to act as my representative in investigating this matter and to take the appropriate actions against Spring Oaks Capital LLC, in case their practices are found to be in violation of the aforementioned act. Thank you for your attention to this matter. I eagerly await a prompt resolution to this dispute that will safeguard my rights as a consumer and protect my financial well-being. Sincerely, XXXX XXXX
04/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 78238	Web
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX TX XXXXXXXX XXXX XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious SPRINGOAKCAP XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/1971 ADDRESS XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX
08/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11213	Web
According to XXXX XXXX XXXX, SPRING OAKS CAPITAL LLC is not licensed to perform any debt collection of any kind in the State of New York ( see attachment ). At this point SPRING OAKS CAPITAL LLC is in violation of 15 U.S.C. 1692e - False or misleading representations. Also SPRING OAKS CAPITAL LLC and XXXX is currently in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
07/24/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 620XX	Web
This is in regards to SPRING OAKS CAPITAL. ACCT # XXXX. They have violated my consumer rights which is probable cause for deletion of alleged account. First off according to 5 U.S.C. 1681 section 602 A. States I have the right to privacy. They also violated 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not communicated with this company or gave them written instructions to furnish my account. Following Section 604 [ 15 U.S.C. 1681b ] ( a ) states in general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. This is not a judgement. I was not taken to court for alleged debt This is another clear violation. This brings me to Section 604 15 U.S.C. 1681 states, Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This alleged debt is not considered a crime. This account would be considered an adverse action. The legal definition of Adverse Action is a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ). This is grounds for removal. Another violation is Section 607 1681e which states A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report. The original creditor obtained my credit report with the intent to resell any information to Spring Oaks Capital. Grounds for removal. Responsibilities of procurers for resale. These are clear violations and the law according the FCRA. I expect to be treated fairly and equally as the consumer with regards to my consumer report.
10/07/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 10312	Web
I had opened a card with XXXX a while back ( through XXXX XXXX XXXX ) shortly after opening the card I lost my job and was unable to pay the debt of {$250.00} ( the limit was only {$300.00} ). I thought they had closed out the credit card since it was over my limit due to interest owed and I was not able to pay the minimum balance due since then. I did not receive any interim bills until I received a notice almost a year later that I owed {$900.00} and the card was closed and sent to collections. ( Which I thought had already been done a while ago ) It was my understanding that if the card was delinquent more than a certain number of months Usually around 3 to 6 months that they would close the card. When a card is closed the account is usually closed along with it in essence ending the relationship. when the relationship was discontinued the charges for the card should have been discontinued with it. I recently attempted to settle the debt with the company, Spring Oaks Capital, who acquired the debt from XXXX XXXX XXXX. The representative with whom I spoke would not reduce the amount owed to less than {$630.00} ( 6 payments of {$100.00} ). When I told the representative I could not afford that as it has been hard to get a job during the pandemic and have other debt that has accumulated, which I am currently attempting to settle, She offered me a settlement of 12 payments of {$70.00} which is the full amount of almost {$900.00}. When I told her that would not do as well she came back to me and told me if I paid the full amount on that date she could reduce it to {$640.00} ( which is more than her initial offer ). I feel that they are attempting to take advantage of the situation and fleece me for more money than I should be paying. Since I was unaware that the account was still open, and should not have been I was taken advantage of and the company is trying to collect about {$650.00} more than what I had initially owed to the company. this is unfair loan practices that is taking advantage of a consumers lack of knowledge of a situation. I am willing to pay what was owed and nothing more, however the representative was very uncooperative. I feel that the company was deceitful in allowing a delinquent account to rack up that much in fees before closing the card
10/02/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	AR 71854	Web
This occurred in the year of XXXX, when a pre approval came to my po box XXXX XXXX Texas XXXX or XXXX XXXX XXXX XXXX Arkansas XXXX it was from Prosper Marketplace or Prosper.When I called the number to see was it legit in this matter the representative stated at the time it was, so I proceed to see what was this about, so when it occurred it would not take my SSN for the process of this matter to proceed.What the representative did to proceed in this matter I have no ideal, all I know it would not take my SSN at that time, somehow how anyone got off into my account I do not know in this matter.After 10 months of learning in this matter I filed a police report XXXX, Federal Trade Commission Report XXXX, and an IC3.gov complaint as well.This occurred in XXXX XXXX and the reported in XXXX of XXXX after learning that there was no loan in my name by there verification department on or about XXXX XXXXMy identity was changed in the year of XXXX while I worked for the well known company after being laid off for a week.I will not be held accountable for anyone who went into my account without my permission or will I be responsible for anyone I did not give permission to go into my account when all of this occurred to change anything about me..Now after 5 years here come this unknown source Spring Oaks Capital trying to collect a debt from XXXX XXXX XXXX XXXX XXXX the account was not with the XXXX XXXX XXXX XXXX at that time.It was associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.I have no affiliation with XXXX XXXX XXXX according to the documents they receive this information on XX/XX/XXXX after filing police report, federal trade commission report , and IC3.gov report.This has been an overwhelming process for the last 6 years trying to fight for my identity to keep my name clear of any illegal matters as well as both my daughters in this horrible tragedy.When this also occurred my daughter was on my account.I have been fighting for my identity since XXXX XXXX, when my identity was changed on a job at that time.My name has been put on several documents where I have not received any documents where I physically signed my name to any documents from any source of entity.On this day of XXXX XXXX the validity of the amount was disputed before XXXX
11/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33169	Web
In this case, the situation involves an unauthorized collection account by Spring Oaks Capital LLC that appeared on my credit report on XX/XX/2023, for an amount of {$3900.00}. The discovery of this entry occurred recently when I checked my credit report on XX/XX/2023. Despite this entry appearing on my credit report, I have not received any prior communication or notice from Spring Oaks Capital LLC regarding this alleged debt. As per the Fair Debt Collection Practices Act ( FDCPA ), the debt collector is mandated to provide certain information to the consumer within five days of initial communication concerning the collection of any debt. This information includes details such as the amount of the debt, the name of the creditor to whom the debt is owed, and a statement regarding the consumer 's right to dispute the validity of the debt within XXXX days of receiving the notice. As of XX/XX/2023, I have taken action by drafting and sending a formal letter to Spring Oaks Capital LLC, requesting immediate removal of the unauthorized collection entry from my credit report as it has significantly impacted my credit score without any valid basis. Furthermore, I have informed them of my intent to report this violation to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal actions as outlined in the FDCPA if the matter is not resolved promptly. The actions taken by Spring Oaks Capital LLC, as it pertains to my credit report, have not adhered to the provisions set forth in the FDCPA, specifically 809 regarding the Validation of Debts. Despite the appearance of this entry, no communication or validation of the debt has been provided to me within the stipulated time frame. Additionally, I suspect that this unauthorized entry could potentially be a case of identity theft, given that I have no knowledge or record of this debt. I kindly request that this matter be also reported as a suspected case of identity theft for further investigation and appropriate action. I am requesting assistance in forwarding this information and my concerns to the relevant companies involved, notably Spring Oaks Capital LLC, and would appreciate your support in addressing this matter promptly. Thank you for your attention to this issue.
09/29/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 75287	Web
I am filing a complaint against Spring Oaks Capital over failure to properly and timely validate an alleged debt. I received notice that I owed {$720.00} on a XXXX XXXX allegedly issued to me by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2021, I received a letter via USPS purported to be from Spring Oaks Capital claiming I owed money to them. Immediately I submitted per the FDCPA a request via electronic mail to XXXX, with a return receipt requested on the email. The return receipt confirmed receipt on XX/XX/2021. Copies of the validation request are attached to this email, along with the return receipt. No response or confirmation from this was received until XX/XX/2021, when I received a letter in a handwritten envelope, a scan of which has been attached to this complaint. The letter was dated XX/XX/2021. Enclosed in said envelope were alleged card statements, with info marked out, along with a letter acknowledging my request. Scans of the statements are not attached to this email. In addition, a purported bill of sale from a company called XXXX XXXX was enclosed. After research, XXXX XXXX was another debt collection agency and not the creditor responsible for issuing the XXXX XXXX and therefore NOT the original creditor. The bill of sale does not indicate anywhere that my alleged account was included within that particular bill of sale and no other information was provided by XXXX XXXX. No cardholder agreement was enclosed within the packet as well. This does not meet the standard required under the FDCPA or Texas Debt Collection Laws. On XX/XX/2021, I received notice by way of credit monitoring that a new account that I had not opened was placed on my credit reports. After a review of the information provided by the monitoring services, I found that XXXX XXXX placed the information on my credit report. Under Texas Debt Collection law, a debt collector must validate the debt within thirty calendar days. A validation notice was sent and received by XXXX XXXX on XX/XX/XXXX and no response was given until the letter dated XX/XX/XXXX was received, well past the 30 day deadline as outlined in Texas law. In addition, XXXX XXXX failed to provide surety bond information as required under Texas law.
04/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89128	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XX/XX/XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, utility bill, driver 's license, and insurance card. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! ACCOUNT NAME - XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
12/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60605	Web
On XX/XX/2023, I mailed a Certified Debt Validation Letter to Spring Oaks Capital via the United States Postal Service, and it was delivered on XX/XX/2023. I received a response from Spring Oaks Capital LLC on XX/XX/2023. However, the information I received was invalid, as I had requested the following details : To whom do you think I owe this debt, and what amount do you claim I owe? I will need the name, address, and account number for the creditor, in addition to the amount owed. If this debt started with a different creditor, I will need the name, address, and account number for the original creditor, the amount owed, and the date when the debt was transferred. Please provide a valid basis for the debt, such as the original contract between me and the original creditor. Tell me the date the debt became delinquent and the date of the last payment. Provide me with a copy of the last billing statement from the original creditor. If any fees or additional interest charges have been added to that statement, explain how those fees or additional interest charges are permitted, either by the original contract or by law. If any payments have been made on the account since the last billing from the original creditor, please show an itemized list of those payments with dates and the amount paid for each item. Does your agency have a debt collection license in Illinois? If so, please provide the name on the license, the license number, and the telephone number of the state agency that issued the license. If you do not have a license, please explain why. However, I only received a billing statement, which is not proper validation for a debt validation letter. I then followed up with an additional Certified Debt Validation Letter on XX/XX/XXXX, and it was delivered on XX/XX/XXXX, giving Spring Oaks Capital LLC 15 more days to validate the debt. However, we are now past the 15-day mark with no response from Spring Oaks Capital . Despite several attempts to validate this debt, I have not received any communication, and this unknown debt remains on my credit report, which is a violation of my rights.
09/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30349	Web
Spring Oak Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX To : The Office of Registered Agent for Spring Oak Capital LLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX Bank are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sure-ties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts XXXX contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX Attorney General XXXX and The Better Business Bureau. You have XXXX days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for XXXX damages. Please remove all unauthorized, fraudulent accounts promptly within XXXX business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! I swear under penalty of perjury that all of the above mentioned information is true and accurate. By : XXXX XXXX XXXX
03/31/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32714	Web
Spring Oaks Capital , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To : The Office of Registered Agent for Spring Oaks Capital , LLC. From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! I swear under penalty of perjury that all of the above mentioned information is true and accurate By : XXXX XXXX XXXX
06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CT 06511	Web
In early XXXX I received a letter in the mail telling me I had a delinquent account with XXXX XXXX that was transferred or bought out by Spring Oaks Capital and I had 20 days or so to write a letter to dispute it or it would become valid. I checked my credit score/report on XXXX and I saw I had a derogatory account that I had no knowledge of from XXXX. I saw that the account was opened on XXXX XXXX and it was charged off and then closed in XXXX of XXXX. I disputed that account on XXXX and they came back and said the creditor stated the facts were accurate and so it remained on my credit report. I wrote a dispute letter before the deadline and sent it out on XX/XX/2022. This letter informed Spring Oaks that I disputed the entire debt and requested they provide me with the contract/agreement I signed. I heard nothing from them and on XX/XX/2022, I called them directly and they opened a dispute. I was told that I would have a resolution within 30 days. I also opened another dispute on XXXX and received the same response as before that the creditor said the facts were accurate. I called Spring OakXXXX again about three weeks later and was told by Spring oaks that the dispute is still open and that although an investigation was ongoing there was no activity on that. They informed that I had to wait for the 30 day period to pass. On XX/XX/2022 I called Spring Oaks again and was told that the dispute was still open and that unfortunately I just had to wait until the investigation is completed and no time frame was given for that even though at this point it has been past 30 days. I advised them that I was now aware they only have 30 days to investigate and respond and I requested they respond to me in 24 hours and was told that likely wont happen. It will have been 60 days from my original phone call to Spring Oaks and has been XXXX days since my original letter was sent to Spring Oaks. My credit continues to be negatively impacted from this and is preventing me from having a better score. I want it removed from my credit report immediately as is required by law.
09/19/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 24502	Web
XXXX ( XXXX ) XXXX Springs Oaks Capital Purchased The Debt I Have Submitted A Request To Validate The Debt Showing My Signature on a contract with springs oaks capital I have not received any documentation with my signature on a contract with this company or the company ( XXXX XXXX ) I have filed a dispute with all 3 credit bureau they have not verified the debt I do not consent to XXXX XXXX or any form of automated verification it is damaging my credit report and I demand to see a contract with ( Spring Oaks Capital ) with my signature on it I have contacted this company through mail and filed a dispute they have responded and said they were currently not reporting any account on my credit profile I am sending proof that this is a Lie and also sending proof that they are in fact reporting this account on my credit profile with out providing the proof which is a signature contract with XXXX ( XXXX ) or ( Spring Oaks Capital ) they are re aging the account which is also a VIOLATION of my Rights I am going to take legal action if this is not corrected in a timely manner XXXX has removed the account and spring oaks capital has added the account back with out sending me valid proof that the account is accurate. and in order to add it back on my credit profile they have to notify me within ( 5 Days ) this account needs to be removed please be aware that depending upon your response. Failure to validate this debt with the accurate information may result in a small claims action against your company seeking {$1000.00} per violation for : 1. Defamation 2.violations of the fair credit reporting act. I may be detailing any potential issues with your company via An online public press, including documentation of any potential small claims action CC : Consumer financial protection bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX this will be my final time trying to get this account removed failure to do so I will take legal action every document that is attached is proof that this company are lying and are violating my rights
03/12/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30281	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against SPRING OAKS CAPITAL , LLC for committing identity theft. I have never given SPRING OAKS CAPITAL, LLCany permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from SPRING OAKS CAPITAL , LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If SPRING OAKS CAPITAL , LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until SPRING OAKS CAPITAL , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and SPRING OAKS CAPITAL , LLC continues its collection efforts, I will file for litigation for actual damages caused and SPRING OAKS CAPITAL , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
01/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34953	Web
XX/XX/2023 Spring Oaks Capital , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX, am a consumer/Natural Person. Spring Oaks Capital , LLC, you are a debt collector identified in the Fair Debt Collection Practices Act pursuant to Title 15 USC1692 ( a ) ( 6 ). It has come to my attention and understanding that Spring Oaks Capital , LLC has violated my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Pursuant to Title 15 USC 1692 ( c ) ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt. I demand per Title 15 USC 1692 ( c ) ( c ) that you cease all further communication through ALL and ANY MEDIUM except for communication of remedies for XXXX XXXX, the consumer and natural person, via MAIL ONLY. Pursuant to Title 15 USC 1692 ( c ) ( c ) ( 2 ), I am involving specified remedy as the original creditor and demand the following : - XXXX out the balance - Provide XXXX XXXX, a consumer and natural person, with documentation showing the account was XXXX out via mail. - Cease and desist reporting of the debt collection activity to all the consumer reporting agencies before and after this date of XX/XX/2023. - Remove ANY AND ALL reporting of the debt collection activity from all consumer reporting agencies. By willfully violating the FDCPA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FDCPA 15 USC 1692k ( a ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Best Regards, XXXX XXXX Regards, XXXX XXXX Consumer/ Natural Person
10/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA XXXXX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any Purpose. XXXX XXXX XXXX XXXX XXXX : {$1500.00} Original Creditor : XXXX comenity bank disputing ownership I have no knowledge of this account. This account was opened fraudulently. XXXX XXXX XXXX XXXX Open Balance : {$5600.00} Original creditor : XXXX XXXX park view apartments disputing ownership I have no knowledge of this account. This account was opened fraudulently. XXXX XXXX XXXX XXXX Open Balance : {$630.00} Original Creditor : XXXX XXXX bank disputing ownership I have no knowledge of this account. This account was opened fraudulently. XXXX XXXX XXXX open balance : {$240.00} Original creditor : XXXX XXXX xfinity disputing ownership I have no knowledge of this account. This account was opened fraudulently. CLOSED ACCOUNTS XXXX XXXX Reported balance : {$950.00} Closed XX/XX/XXXXXXXX XXXX XXXX XXXX BALANCE : {$0.00} Closed XXXX XXXX XXXX XXXX bank Reported balance : {$0.00} Closed XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported balance : {$0.00} Closed XX/XX/XXXX XXXX XXXX XXXX Reported balance : {$0.00} Closed XX/XX/XXXX This agencies have violated the FCRA by Reporting a debt as charged off, when it was fraudulent Reporting late payments when the account is fraudulent. Reporting old debts as new ones. Reporting that an account was active after it was voluntarily closed by a consumer and fraudulently opened. Inaccurate statement of balance due. Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ).
08/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08302	Web
According to the Fair Credit Reporting Act 15 USC 1681 sec 602a says " There is a need to ensure consumer reporting agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I XXXX ; XXXX. I have a RIGHT to make sure my PRIVATE INFORMATION isn't shared which is evidenced at 15 USC 6801 that says " It is policy of the Congress that each Financial Institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the secuIrty and confidentiality of those customers ' non-public information. SPRING OAK CAPITAL LLC is a financial institution by definition under title 15 usc 1681 sec 604a ( 2 ) that says " In general Subject to subsection ( c ), and consumer reporting agency may furnish a consumer report under the following conditions and no other : in accordance with the written instructions of the consumer to whom it relates. SPRING OAK CAPITAL LLC the financial institution and the consumer reporting agencies XXXX and XXXX DO NOT HAVE MY CONSENT to furnish this information and they certainly DO NOT HAVE MY WRITTEN CONSENT. ANY CONSENT TO XXXX, XXXX, OR SPRING OAK CAPITAL LLC whether verbal, non-verbal, written, implied, or expressed IS REVOKED, RESCINDED, AND TERMINATED!! 15 USC 6802 ( b ) ( c ) says " A financial institution may not disclose nonpublic information to a nonaffiliate third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option '' SPRING OAK CAPITAL LLC never informed me of my RIGHT to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) says Expect as authorized under subsection ( b ), no consumer reporting agency make any consumer report contain ANY of the following items of information ANY other ADVERSE items of information, other than records of convictions. ADVERSE means to prevent success.
04/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 939XX	Web
In the late fall of XXXX, I noticed that my credit rating had dropped. When I reviewed it, the report had two addresses unknown to me and an XXXX XXXX XXXX from XXXX XXXX. Both the card and Bank I did not recognize. I reported the card and the two unknown addresses to XXXX and XXXX who removed them from my record. ( XXXX XXXX XXXX XXXX traced the addresses to two mailboxes in XXXX California ), I really have been paralyzed by all this, not knowing what to do and especially haven't trusted websites or credit card companies I hadn't heard of. I tried to talk with the credit card company and they insisted the charges were from me. I explained that I had never heard of them before. I was fearful since their website looked really sketchy and I did not want to reveal any personal information to them over the phone. My conversations with them resolved nothing. I had moved to another city for work in XX/XX/XXXX and have tried to dispute these charges, but for some reason XXXX was insisting that they were still mine. I got correspondence from a the Law firm of XXXX XXXX XXXX saying that they represented Spring Oaks Capital who had bought the debt of {$1600.00} and that I should pay them immediately. They have statements indicating the charges and two unpaid statements that have my name on them with the unknown addresses. They sent me a form requiring me to enter my personal information and I did not want to fill it out. XX/XX/XXXX, they sent me a letter asking me to pay 70 % of the debt they claimed I owed as a settlement. Out of principal, I do not want to pay for something that was taken fraudulently in my name. XXXX XXXX XXXX have now ( XX/XX/XXXX ) served me a notice that they are suing me in Small Claims Court. How do I defend myself? I don't have the resources to hire an attorney that would exceed the cost of the amount they claim I owe.
08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30228	Web
I reached out to spring oaks capital LLC back on XX/XX/XXXX through the CFPB and I also sent them a letter to theyre XXXX XXXX XXXX XXXX , VA XXXX address and emailed them to customer service@springoakscapital.com email because they have a collection item on my report that I have no knowledge of. An investigation was opened and they responded back on XX/XX/XXXX. I received a call on XX/XX/XXXX about my issue and stated that I wanted some kind of proof this was my debt such as a contract, with my name and signature or my picture ID or anything to prove it was in fact me. I was told to call the original debtor to get that info and that they have a bill with my name on it. I told them to send it to me and they said they cant and an investigation would then take place. I called back on XX/XX/XXXX and asked if anything happened with the investigation and I was told an investigation was never opened. I was then told they were going to open 1 that day on XX/XX/XXXX. I called back XX/XX/XXXX to see if any progress had been made and was told the investigation was still pending. I called back XX/XX/XXXX which was well over 30 days and still the investigation was pending. I asked for a manager and I spoke to a woman who refused to give me her name and hung up the phone on me after I explained to her that her 30 day investigation period was up and I need this item removed as it was hurting my score. I asked repeatedly for proof it was me and my debt and I have yet to this day XX/XX/XXXX received anything and spring oaks is still on my credit report reporting negatively. I called XX/XX/XXXX and asked again to have this removed and was told no and I got the phone hung up on me again. Each time I called Ive been spoke to rudely and have been treated unfairly and Im only trying to have an issue resolved.
10/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60644	Web
I AM ( XXXX XXXX ) AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX : ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Spring Oaks Capital , LLC 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), 18 U.S. Code 8
01/30/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 281XX	Web
On XX/XX/XXXX I mailed an Opt Out Notice and validation request to SPRING OAK CAPITAL. I requested that the account be validated and asked for documentation below listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both WET INK Signatures ; Copies of any document that prove I agree to pay the alleged amount ; The identity of the original creditor ; Confirmation that the account has not reached the statute of limitation ( XXXX ) period ; Evidence that they are a licensed debt collector ; Evidence of your license numbers and your registered agent ; SPRIN OAK CAPITAL ignored my request and continued to report after I opted out and revoked my permission. They were informed of the privacy act of 1974 as well as all other violations below. Then notified a 2nd time on XX/XX/XXXX after ignoring the 1st Demand. The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character SPRING OAK also has no license to collect in the state of North Carolina and the lied when I called and stated they had a license to collect. See Licenses in attachment. SPRING OAK is in violation of multiple US Codes, Privacy Act of 1974, FDCPA, CFR and FCRA. SPRING OAK COLLECTION ACCOUNT are to be removed from my credit report Per 15 USC 6802.
08/06/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 90601	Web
My debt started out with XXXX credit card. I fell behind on my payment as I was off work without pay to take care of my sick mother who ended up passing during covid. I tried contacting XXXX on several occasions by phone putting my credit card information in on the automated system. I could never got a live body to speak with in which the system would state that my account was being sent to collections and I should receive something by mail or a call in a couple weeks. I never received any information for the collection by mail not once nor have a received a call from them. The collection company is call Spring Oaks Capital LLC. After a couple of months I received alert from my credit report company stating that they had add this to my credit report without contacting me. I have filed a dispute against XXXX because it is hard to get a live person to speak with so that I could settle with them and then I have also filed a dispute with the credit breu reporting agency and XXXX against Spring Oaks Capital LLC. I filed these complaints on XXXX and still have not heard back from either company. I have asked for both of these accounts to be removed. XXXX rips people off with. My credit limit was XXXX XXXX I tried to pay them the XXXX dollars to settle before and they told me I would have to pay the whole XXXX. As for Spring Oaks Capital LLC. Not one letter or notice mail to me or call to speak about this debt but you throw it on my credit report. I would like both of these account removed. XXXX credit cards needs to get a better system so you can speak with a live rep. If I was able to do this maybe I would have been able to find out who the collection agency was and make a dispute or pay it before this took place. Now both of these companies are on my credit report.
03/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	WI 54729	Web
Early XX/XX/XXXX, I received an invoice from Spring Oaks Capital LLC stating they " bought '' a debt from " XXXX XXXX '' they were trying to collect on. I had never taken out such a loan nor know who XXXX XXXX is. I wrote on the invoice to send me the proof of validation, as well as letting them know that I did not take out this loan. I mailed it back and filed the FTC ID theft report. I emailed it to the Spring Oaks Capital soon after mailing the invoice back. I tried to call Spring Oaks a few times and left a message. No call back. Last week, I started getting calls from a " XXXX firm '' to call back. I didn't know who that was, so never called because I never heard from them. I didn't hear anything back from Spring Oaks neither until this weekend. I had gotten a notification that my credit report has a collections account on it. From Spring Oak Capital. This is after I sent in the ID theft report and tried to called. They never contacted me after that letter attempt. I resubmitted the ID theft report and now a XXXX XXXX Police ID theft report and emailed to Spring Oaks from my email address. I tried to call and left a message this weekend again. I emailed their customer service link on their page. No response. I have now filed a complaint with the XXXX and now the CFPB. They are trying to collect and bully me into paying them on an account that is not mine and was taken out without my authorization. I have been dealing with this ID XXXX since XXXX and the XXXX incident. I am overwhelmed and stressed and my son was in a car accident a week ago, so dealing with that. I can not deal with Spring Oaks XXXX right now because they want a quick buck especially after I have told them numerous times and showed them the ID theft reports.
09/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19050	Web	Servicemember
Dear spring oak capital LLC Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act 15 USC 1692 ( g ). This claim is being disputed and a debt validation is requested. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. I am merely exercising my right as a consumer. I would like to make note that the copy of the contract you provided never provided clear and conspicuous information in regard to my rights, my name nor is there any signatures provided. A contract should have two signatures. The documents provided does not bear any signatures. Where is the original application? In order to obtain any type of funding a person must complete a credit application. Where is the request for credit? However, I was never notified by Anyone that the contract has been in fact been sold to you. Please provide me with proof that I was made aware of the sale of the contract. I asked that you provide me with what was used to verify my identity. The documents provided are contradicting and confusing. They do not verify that this is my debt. Be advised that I have spoken to an attorney and they stated that Spring Oak Capital LLC is supposed to send a notarized document from the accounting department showing the accounting ledger. Yet I have never received such a document from this company. I am simple informing this company that this is not my debt and they refuse to investigate this matter and seems to be in violation of my rights. This is my last and final attempt to clear up this matter before I seek help from a judge. Please if you do the proper investigation you will find that this is not my debt.
09/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30281	Web
n accordance with the Fair Credit Reporting act Spring Oaks LLC, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : I am a victim of ID Theft. I never had a account with XXXX or YOU. If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. The letter you sent was to a address I never lived at before. I do not have a sister and never have. This is proof that someone is impersonating me.
08/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48706	Web	Servicemember
Edit this section What happened? On XX/XX/XXXX I filled out an application on XXXX XXXX for a {$5000.00} loan for the XXXX XXXX. They denied the loan I have an email with the denial. Somehow they kept my application open and recycled the loan document and funded the {$5000.00} loan without my permission and XX/XX/XXXX. I never gave them permission to use my signature for another application. I called the XXXX XXXX they only have a signature from XX/XX/XXXX and they said that it was an electronics signature. They do not have a signature for that XX/XX/XXXX loan. I am immediately reverse the money And sent it back to XXXX XXXX on XX/XX/XXXX. I called them let them know that I did not take out a loan and I do not want their money. The bank manager wrote a letter for me stating that I never touched the money and gave me the federal trace ID when I sent the money back. XXXX XXXX wanted me to pay a {$470.00} Origination fee for their loan. Since Ive never took a loan with them Im not responsible for the origination fee. I hired an attorney to write a letter to XXXX XXXX explaining that I did not open alone with them. They will not listen to me and they charged off the loan then sold it to Spring Oaks Capital for {$470.00} but Spring Oaks Capital can not produce any documentation with my signature on it. I called them to dispute the ownership of the {$470.00}. When I look at the credit report Spring Oaks Capital LLC says this loan came from XXXX XXXX on XXXX XXXX when it came from the XXXX XXXX. I have never done business with XXXXXXXX XXXX before. I have been fighting with them for over a year to get this taken care of. Neither company can give me a copy of the original contract for the XXXX XXXX.
11/07/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AR 71854	Web
After attempting to fix this problem with the collection agency by sending in documentations for the fraudulent account that was open in my name which I had until XXXX XXXX dispute all or some which I disputed all of the account because of change of identity in my account ( under XXXX ) it was done without permission.In the letter Spring Oaks Capital stated I had until XXXX XXXX to dispute this account which I did on XXXX XXXXIn the letter in also stated what else you can do, but it did state I could file a complaint with the FDCAP, it states I have the right to stop or limit how we contact you.Spring Oaks Capital put this account on my credit report after sending all the documentations of the incident and what occurred.If I disputed this amount why was this put on my credit report, which it should not be at all.Whoever is the attorney in fact should be held liable for this act.I never have had any attorney in fact so why did the attorney in fact put my name on any papers that does not constitute in representing me on any matter.Who is the attorney in fact who put my name on those documents? I been fighting for my identity for 22 years with the first FTC report of XXXX of XXXX reference number XXXX.I should have never been given my daughters SSN in number by the Internal Revenue Service and all other agents and other government agencies.On this day XXXX XXXX, first of occurrence of identity change was XXXX XXXXThe documents that I receive from XXXX does not have my signature or name on any of those documents this had to be in inside job at the Bank where I do business with.All disputes was filed within the time frame of XXXX first with Spring Oaks .On this day of XXXX XXXX
08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 333XX	Web
Initially, I filed this report on early morning XX/XX/2023. It has been 15 calendar days without any response from this debt collector and have yet to see any sort of response from Spring Oaks Capital , LLC in response to both of my disputes/complaints filed with Consumer Financial Protection Bureau and XXXX XXXX XXXX XXXX The last contact I have ever had with this company before this ordeal was about six months ago, when after repeatedly calling this debt collector I finally had someone answer the phone. At this point, after explaining my situation as a terminally ill patient that wants to make sure that I do have my credit in order and on point in case of emergency and that I dont know who they are, but I do have a feeling that they are still trying to collect on a debt from XXXX XXXX XXXX that is associated with XXXX XXXXXXXX that was settled from years ago and was appearing to still be continuously sold around that it was fraudulent reporting they responded with tough luck if you have XXXX, you better get your debts taken care of so you dont leave them to your family and hung up. Over what appears to be ignoring my complaints from both federal agencies for the last 15 days, I have noticed that the derogatory marks on my credit reports have changed, in fact, multiple times. They can manage to try to hurt the individual who just wants them to leave them alone without showing the respect of a formal response to these agencies that are helpful to mediate these type of situations. They want to be as disrespectful as possible. I have provided photos of the changed derogatory marks provided to my credit report, while continuing to ignore providing any response.
11/07/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 61604	Web
My Complaint is against Spring Oaks Capital. This Institution has violated my consumer rights reporting claims that I owe them a debt of over XXXX $ that I do not owe them. I never received any communication from them before they placed derogatory information on my credit profile including no notification of my right to dispute the debt. Which is a violation of my consumer rights. They have slandered my credit report with erroneous information that has rendered me unable to be approved for new credit. I've sent written requests in XX/XX/2022, and XX/XX/2022 directly to the institution requesting that they send me validation of the debt or cease all reporting and collection attempts ( see attachment ). They have not responded in the allotted timeframe of 30 days which is another violation of the FCDPA. Yet still reporting this information monthly on my consumer profile. I went further and requested that XXXX Credit Bureau complete an investigation of completely verifying this account that they have also allowed to remain on my credit profile ( see attachment ). The results came back verified with-in a few days. With no explanation of the method of verification, and happily marked my ongoing dispute as resolved ( see attachment of credit report ). XXXX has failed to conduct a full and thorough investigation which is again another violation of my consumer rights as defined by the FCRA. Additionally, I have filed a complaint against them with the Federal Trade Commission ( see attachment ) for the negligence of both parties to operate by Federal statutes and guidelines. I want this erroneous and unverified information removed from my credit profile Immediately.
01/25/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 107XX	Web
On XX/XX/XXXX, I had an account alert on XXXX XXXX for an account in collections, the first time I ever heard of this account. Upon investigation, the account was originally opened on XXXX in XXXX of XXXX, utilizing XXXX XXXX, however, I never opened an account with them. The account was in collections since XX/XX/XXXX for the amount of {$3200.00}. I contacted the collection agency that was listed on my credit report which is Spring Oaks Capital LLC, XXXX XXXX XXXX, XXXX, VA XXXX. The person who opened the account had my birthdate, social security number and full name, so they were able to open the account under my name. However, the contact information Spring Oaks provided me belonging to the criminal, including a cell phone number and the address XXXX XXXX XXXX XXXX XXXX NY XXXX ( where the items purchased were delivered to ) is not mine, nor have I ever resided there or utilized the phone number or email address they had on file. So I submitted a dispute with them, providing documentation from the FTC, a police complaint number, and a copy of the fraudulent account on my credit report. The dispute unfortunately has been returned and states the company finds the information to be accurate, but I don't see how when this information does not belong to me. I have since contacted them to find out a detailed report of how this account was investigated, however, they now state they sold the account back to the original creditors, XXXX XXXX, but representatives at XXXX deny that and send me back to Spring Oaks. So I can no longer contact anyone regarding this fraudulent activity that is negatively impacting my credit.
01/25/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 107XX	Web
On XX/XX/XXXX, I had an account alert on XXXX XXXX for an account in collections, the first time I ever heard of this account. Upon investigation, the account was originally opened on XXXX in XXXX of XXXX, utilizing XXXX XXXX, however, I never opened an account with them. The account was in collections since XX/XX/XXXX for the amount of {$3200.00}. I contacted the collection agency that was listed on my credit report which is Spring Oaks Capital LLC, XXXX XXXX XXXX, XXXX, VA XXXX. The person who opened the account had my birthdate, social security number and full name, so they were able to open the account under my name. However, the contact information XXXX XXXX provided me belonging to the criminal, including a cell phone number and the address XXXX XXXX XXXX XXXX XXXX NY XXXX ( where the items purchased were delivered to ) is not mine, nor have I ever resided there or utilized the phone number or email address they had on file. So I submitted a dispute with them, providing documentation from the FTC, a police complaint number, and a copy of the fraudulent account on my credit report. The dispute unfortunately has been returned and states the company finds the information to be accurate, but I don't see how when this information does not belong to me. I have since contacted them to find out a detailed report of how this account was investigated, however, they now state they sold the account back to the original creditors, XXXX XXXX, but representatives at XXXX deny that and send me back to Spring Oaks. So I can no longer contact anyone regarding this fraudulent activity that is negatively impacting my credit.
07/01/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 48237	Web
Spring oak capital llc known as XXXX XXXX XXXX XXXX has been furnishing inaccurate and incorrect information to the consumer reporting agencies.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.You and your inaccurate reporting have damaged my livelihood.15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.As defined by the * Even if you didnt receive a form 1099-C, you must report canceled debt as gross income on your tax return.The * clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate By definition the *** clearly says a canceled debt or charge off is income. The reporting of this account as a debt is in accurate
09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31904	Web
15USC 1681 a ( d ) ( 2 ] ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX XXXX XXXX XXXX SPRING OAKS CAPITAL LLC is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
10/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NM 88007	Web
According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. As a result, my livelihood has been adversely affected. There is no such law that states anything that needs to be reported to a consumer reporting agency. Therefore, your organization is liable. Further, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Your organization neither exercised its responsibilities with fairness and impartiality nor protected my right to privacy. I Request You to give me a piece of evidence that the information which is being reported has been properly investigated. Also, provide us with the details of the system adopted by your organization to determine whether the transaction took place or not. Further pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand to do the following : DELETE EACH ACCOUNT LISTED IN THIS COMPLAINT OFF MY REPORT AS WELL AS ANY FRAUD INQUIRY THAT OCCURED THROUGH THE IDENTITY THEFT. MAIL ME MY RESULTS BACK TO THE ADDRESS ATTACHED ON MY REPORT
06/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 296XX	Web
I have been in various disputes with Spring Oaks Capital , LLC since they showed up on my credit report in XXXX of XXXX. This occurred after they spoke with spouse who informed them that we had not had any sort of loan through the company from which they purchased the supposed debt. The original creditor was XXXX XXXX. I've not even heard of XXXX XXXX until this ordeal, and I honestly couldn't say what sort of credit the company provides to customers. I know that I am not a customer, though, and they have apparently provided my information to the aforementioned debt collector. Since XXXX, as previously stated, I have filed several disputes regarding this $ XXXX debt. Somehow it has managed to still show on my credit report. The mind boggling part of this situation is how you're expected to prove a debt isn't yours, while the little, if any, proof the creditor provides is sufficient based on a similar name or something to that effect. A similar name does not constitute paying a debt that isn't due. I have unsuccessfully disputed numerous times because I haven't proved the debt isn't mine; but stating it's not should be enough. The burden should not fall on a supposed debtor who, like myself, may have no documentation of any sort because there was never credit provided to begin with. Creditors should actually have to prove who the correct debtor is rather than targeting an individual who possesses commonalities with the debtor. I am hoping for a better result going through the CFPB and hope to have this debt removed entirely.
06/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 296XX	Web
I have been in various disputes with Spring Oaks Capital , LLC since they showed up on my credit report in XXXX of XXXX This occurred after they spoke with spouse who informed them that we had not had any sort of loan through the company from which they purchased the supposed debt. The original creditor was XXXX XXXX. I've not even heard of XXXX XXXX until this ordeal, and I honestly couldn't say what sort of credit the company provides to customers. I know that I am not a customer, though, and they have apparently provided my information to the aforementioned debt collector. Since XXXX, as previously stated, I have filed several disputes regarding this $ XXXX debt. Somehow it has managed to still show on my credit report. The mind boggling part of this situation is how you're expected to prove a debt isn't yours, while the little, if any, proof the creditor provides is sufficient based on a similar name or something to that effect. A similar name does not constitute paying a debt that isn't due. I have unsuccessfully disputed numerous times because I haven't proved the debt isn't mine; but stating it's not should be enough. The burden should not fall on a supposed debtor who, like myself, may have no documentation of any sort because there was never credit provided to begin with. Creditors should actually have to prove who the correct debtor is rather than targeting an individual who possesses commonalities with the debtor. I am hoping for a better result going through the CFPB and hope to have this debt removed entirely.
04/26/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SC 296XX	Web
I have disputed this account with all three credit bureaus even filed with the CFPB before. This company has acquired information from an account that has my name on it but does not belong to me. I have no idea where this account came from or how it was paid, if it was paid before. I only know about the account because it is showing as a negative item on my credit report now that I am trying to buy another home. I have tried speaking with this company but they only want payment and I am not paying for something that is not mine. I have lived in my current residence for 16 years and only have had 3 credit card companies that I have ever used. I do not know about any others and no one lives with me but me and I get all of my mail so no one can send anything to my home and I not know about it. I want this negative and false information removed from my credit profile as it does not belong to me. The so called invoice that is shared means nothing when I have no idea where it came from, the account is not mine and should be stricken from my profile. This company is only after money and not working to clear false records. This actual account was with another debt collector and was recently disputed as of XX/XX/2022 and been handed off from company to company. The XXXX XXXX XXXX is being traded between debt collector companies to see who can cash out first and its at my expense. This is unfair and unethical. Something needs to be done. These companies are careless and reckless with peoples lives and do not care as long as they make a buck.
06/10/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33442	Web
Collection agency SPRINGOAKCAP no additional information on consumer credit report by XXXX XXXX. I do not have nor ever had an account with Original Creditor. XXXX XXXX XXXX XXXX " reporting a debt that doesn't belong to me '' and belongs to another unknown person on my credit report. I HAVE TAKEN ACTIONS SEE BELOW : STEP 1- Conducted an online search for contact information and called XXXX ( XXXX ) XXXX - After several calls to this agency, the agents were unable to identify my name, account number reported on the credit report, phone number or any other fact. STEP 2- online research for this debtCreditor Name SPRINGOAKCAP Account No. XXXX. unable to contact a live person, no information to verify my account. IMPORTANT NOTE- the only way to access them is to give them your full name, social, address and phone. Seems odd because now they have your information completely and provided by the costumer. after entering all my info- the website gave me this note. -- -Your account is either owned by Spring Oaks Capital , LLC or our affiliate Spring Oaks Capital SPV , LLC. STEP 3- placed a dispute with the agency and a dispute with all 3 credit bureaus but they have not removed it after my pleas for validation request. instead they have used my calls as acknowledgment of this debtCreditor Name SPRINGOAKCAP Account No. XXXX Original Creditor. XXXX XXXX XXXX XXXX Responsibility Individual Condition. Derogatory Original Balance. XXXX Balance. XXXX Date Opened. XX/XX/XXXX Date Reported. XX/XX/XXXX Remarks. Placed for collection
08/11/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	AZ 85201	Web
I Was contacted by Spring Oaks Capital SPV , LLC on XX/XX/2022 I was not Identified before the debt was disclosed I advised the representative that they must Identify I was who they were looking for before they disclose my personal information the agent kept yelling at me and I asked to speak with her supervisor she placed me on hold and did not get a supervisor in a timely manner when I spoke with supervisor I verified I was the person that owed the debt and committed to an arrangement to resolve the debt I was contacted XX/XX/2022 The representative that contacted me did not properly verify who I was before she disclosed my debt even after telling her im at work she continued to harass me regarding the debt She did not give me the intent of the call by providing the XXXX XXXX and was very abusive verbally I asked to speak with her supervisor she took 15 minutes before I was able to speak with a supervisor and was abusive and threatening verbally during the wait for a supervisor I explained to the supervisor that i will no longer have my rights violated by their company I was threatened on the first call that they will report to my credit even after I agreed to resolve the debt on the second call on XX/XX/2022 i advised the super that they must identify me properly before disclosing any indebtedness they have violated my rights under the FDCPA and I ask that this company is reprimanded and held accountable for this violation they are abusive with their tactics to collect on a debt and my rights were violated
07/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 38116	Web
I have Springs Oak Collection say that I owe money however. I have never done any business with them or anyone they may represent. The credit Breau never did a proper Investigation According to the FCRA The term investigative consumer report Means a consumer report or portion therefor in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. In addition this is not my collection. PLEASE FURNISH ME A BINDING CONTRACT BETWEEN ME AND THIS COMPANY Also, they have Violated my rights even more In accordance with the Fair Credit Reporting Everything must be 100 % accurate on my consumer report. The Credit Bureaus stated my accounts was properly investigated, How is that possible if the OPEN DATE, BALANCE, HIGH CREDIT, CREDIT LIMIT, PAST DUE, PAYMENT STATUS, LAST REPORTED, DATE LAST ACTIVE, DATE OF LAST PAYMENT is inaccurate. This is ground for REMOVAL/DELETION In addition, they also Violated my LAW because according To 15USC 1681 Section 602A States I have the right of Privacy 15 USC 1681 Section 604A It also states consumer reporting agency can not furnish an account without my written instructions. Your information is incorrect.. PLEASE DELETE THIS FROM MY XXXX CREDIT REPORT. I did not give anyone any written INSTRUCTION!!!! XXXX XXXX XXXX
10/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA XXXXX	Web
Spring Oak Capital account # XXXX. I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that every thing is verified correctly. My credit report is still showing inaccuracies, as well the account constantly being deleted & reappearing on my credit reports month after month, my consumer rights has been violated over & over by this company disregarding laws 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
11/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92243	Web
This is concerning Spring Oaks Capital LLC. I got a letter from Spring Oaks Capital LLC on XX/XX/XXXX attempting to collect on a debt that I do not own. I sent Spring Oaks Capital LLC a letter of dispute to the alleged debt on XX/XX/XXXX for validation of debt under 12 CFR 1006.34 - Notice for validation of debts. After this I waited 30 days and then I sent another letter of Cease and Desist on XX/XX/. I did receive a response from Spring Oaks Capital regarding this alleged debt. Unfortunately this company did not give me Lawful validation for the alleged debt under the FDCPA. I did give Spring Oaks Capital LLC a chance in good faith to validate this alleged debt. The problem with Spring Oaks Capital LLC is that they are furnishing information about me without having permissible purposes according to the FCRA, now this makes it an Identity theft, under Title 18 1028 A Aggravated identity theft. Furthermore Spring Oaks Capital is attempting to collect on a debt that is considered income according to the IRS for being a charge off. Income does not get reported to the CRAS According to XXXX, and this debt has a XXXX balance. What are they collecting on? The Original Creditor has already charged off through the IRS with a 1099-C Cancellation of Debt. These are the violations of Consumer LAWS, and Criminal LAW. 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft.
10/12/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 92069	Web	Older American
Once before, about three weeks ago, and tonight at XXXX XXXX PST XX/XX/2023, I received a phone call from a XXXX XXXX XXXX calling for Spring Oaks Capital ( a debt collection agency in XXXX, VA ) with her phone number shown as XXXX. She asked me to confirm my name and date of birth, which I did on her first call. When she claimed that I had a jewelry debt that I needed to pay to XXXX XXXX ( XXXX, Ohio, or some subsidiary outlet maybe in my neighborhood ), I told her that I don't buy or wear jewelry, never bought any, and I don't have a wife or children who might have done so. I hung up convinced it was a scam, not learning the amount I supposedly owed. On her second phone call, I extracted information about who XXXX worked for and to whom the debt was owed. When I asked her to state the amount, she refused if I didn't state my birthdate. I hung up again. Then I was advised to lodge this Federal complaint. Ten years ago I had a similar issue with a debt collector going after a man in my locale with the same surname without my middle initial. This is obviously a similar mixup. I looked up my name on XXXX and found three other men with my name, yet all were lacking my middle initial. She never stated my middle initial to me on her phone call. Should I email this memo to her collection agency with this information so they can straighten this out, at the same time, stating I have registered this complaint with you, the Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency?
09/28/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34952	Web
Around XX/XX/2023, I submitted a debt validation request, which was received and acknowledged by someone at the offices of Spring Oaks Capital. This address had previously been confirmed through prior correspondence with the company. According to my records, I made the following requests, with a specified deadline of 15 days : 1. Details regarding the amount claimed to be owed by the Respondent. 2. A breakdown explaining the calculation of the said amount. XXXX. Copies of any documents that demonstrate my agreement to pay the alleged amount. 4. Identification of the original creditor. 5. Confirmation that the account is still within the statute of limitations ( SOL ) period. 6. Proof of your status as a licensed debt collector. 7. Evidence of your license numbers and registered agent. 8. The original contract bearing a wet ink signature. However, despite the aforementioned date, I have not received any communication from your agency or company. As per my notice, if your agency/company fails to respond to this debt validation request within ten ( 10 ) days from the date of receiving my notice and affidavit, I insist that all information related to this account be promptly removed from my credit report. Furthermore, a copy of the deletion request should be sent to me immediately, or I will be left with no choice but to pursue legal action. I strongly demand the removal of this information from my credit report, and if necessary, I will not hesitate to take legal measures.
01/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 11213	Web
XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and SPRING OAKS CAPITAL LLC has intentionally, knowingly and recklessly harmed me financially by repeatedly failing to properly and lawfully update my personal consumer report according to specific laws written by the Consumer Protection Financial Bureau. The law is clear and direct and should be understood by all parties involved in furnishing, publishing, and updating my personal consumer report. This is one of multiple disputes sent to XXXX, XXXX, XXXX, and several unethical and unlicensed data furnishing companies urging all parties to adhere to the law and adjust my personal report correctly. But due to a gross lack of due diligence on behalf of XXXX, XXXX, XXXX and their related subsidiary entities - unlicensed unethical, and misleading random data furnishes has had an unmetered free run at attacking and financially hurting me. I have received multiple responses from XXXX, XXXX and XXXX stating that they review and/or investigate. Solely and firmly leaning on the LAW, and based on my results anyone with a trained eye can tell that the three bureaus did absolutely nothing pertaining to investigation or reinvestigation on my behalf, and have failed me as a consumer. If the law is broken all willing participating parties should be held accountable for any fraudulent acts, not excluding Credit Slander and Defamation of Credit. Please refer to Congressional law 15 USC 6802 ( a ) ( b ) ( c ) ( d )
02/05/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	TX 78363	Web
I honestly hope somebody reads this. I'm not entirely sure I selected the right button for this dispute. I had already filed a complaint against this company about this account being past the statue of limitations in the State Of Texas and that they never informed me that they owned the debt. This complaint was thrown out and found in favor of the collection company and I have proof that nobody actually did any investigation into this matter. Today I received a letter from Spring Oak Capital with a statement from an old XXXX XXXX account that I had informed you was past the time limit to be collected on. I knew I was 100 % correct so I decided to do the research for you. I went back and printed off a copy of my credit report where it clearly states the account was closed on XX/XX/XXXX. I even called XXXX XXXX and they informed me that the account was in fact closed on XX/XX/XXXX, the last payment on this account was on XX/XX/XXXX. The account was closed 90 days after the account went into default for non payment. The statue of Limitations in the State of Texas is 7 years, which would make the end date XX/XX/XXXX. This is XX/XX/XXXX and I'm still messing with this account that has no reason to be tried to collect on and totally has no reason to even be on my credit report any more. I will attach the letter I received from Spring Oak aswell as a copy of my XXXX credit report where it clearly states the facts in this matter.
11/12/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 294XX	Web
To Whom It May Concern : I receive a copy of my credit report with the intention of trying to improve my credit, and take care of my responsibilities. I noticed a few accounts that I want more explanation on. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the accounts being reported on me, I have never heard of which caused me to write to you. Are you familiar with something called 15 U.S.C section 1681i ( a )? I heard that if you cant provide proof, this account must be deleted. Well, I want to this account deleted if they are not 100 percent right and correct. So, could you please check on this account and get back to me promptly? I saw on a Credit Site and Board where this lawyer said, You have 30 days to complete this investigation. I did not establish a relationship with this account for them to report nothing on my credit file with none of the credit bureaus. Please investigate the following account and remove off my credit report on all three credit bureau reports. I demand the following account to be verified or removed immediately. SPRING OAKS CAPITAL LLC XXXX XXXX XXXX XXXX, VA XXXX I also read where I can get the updated report after you investigated this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. Best regards, XXXX XXXX, XXXX
04/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32824	Web
Around XX/XX/XXXX I received an email from Spring Oaks Capital , LLC letting me know Spring Oaks Capital SPV , LLC now owns my WEBBANK account, following by a collection notice in the mail around the next, letter dated XX/XX/XXXX, also stating they are trying to collect a debt now owned by Spring Oaks Capital SPV , LLC. This letter also mention account number XXXX, and that the creditor on XX/XX/XXXX was XXXX XXXX XXXX. The alleged balance is {$10000.00}. On XX/XX/XXXX I sent a certified letter advising Spring Oaks Capital , LLC that I was disputing the debt and request validation, at the same time letter was emailed to XXXX, the letter was received on XX/XX/XXXX, same sate I got another email attempting to collect the debt and asking me to review the account online to explore a variety of flexible options. Still they haven't knowledge my dispute or provide requested validation of the debt. On XX/XX/XXXX I was made aware by XXXX XXXX that a collection account was added to my report by Spring Oaks Capital , LLC, drastically affecting my credit score, so I went ahead and sent another letter by email and regular mail as a reminder that I was disputing the validity of the debt and again requesting evidence stablishing my legal obligation to pay the alleged debt. Today is XX/XX/XXXX, making 60 days of my initial request, the account still on my XXXX XXXX credit report, and they still haven't validate the debt.
04/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32824	Web
Around XX/XX/XXXX I received an email from Spring Oaks Capital , LLC letting me know Spring Oaks Capital SPV , LLC now owns my XXXX account, following by a collection notice in the mail around the next, letter dated XX/XX/XXXX, also stating they are trying to collect a debt now owned by Spring Oaks Capital SPV , LLC. This letter also mention account number XXXX, and that the creditor on XX/XX/XXXX was XXXX XXXX XXXX. The alleged balance is {$10000.00}. On XX/XX/XXXX I sent a certified letter advising Spring Oaks Capital , LLC that I was disputing the debt and request validation, at the same time letter was emailed to XXXX, the letter was received on XX/XX/XXXX, same sate I got another email attempting to collect the debt and asking me to review the account online to explore a variety of flexible options. Still they haven't knowledge my dispute or provide requested validation of the debt. On XX/XX/XXXX I was made aware by XXXX XXXX that a collection account was added to my report by Spring Oaks Capital , LLC, drastically affecting my credit score, so I went ahead and sent another letter by email and regular mail as a reminder that I was disputing the validity of the debt and again requesting evidence stablishing my legal obligation to pay the alleged debt. Today is XX/XX/XXXX, making 60 days of my initial request, the account still on my XXXX XXXX credit report, and they still haven't validate the debt.
11/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 64131	Web
I have asked SPRING OAKS CAPITAL LLC who has falsely reported information on my credit file to validate the debt by providing proof of this alleged account several times, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. These accounts are inaccurate under 15 U.S.C. 1692g validation of debt. They have been reporting inaccurate and incomplete account information to my credit file. In addition, while the collector attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with you for the purpose of filing a complaint to the FTC if the non-compliance continues. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. All steps must be taken to assure the information reported is completely accurate and correct.
02/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TN 382XX	Web
For the record, Spring Oaks Capital said that they purchased the alleged debt. 15 USC 1692e ( 6 ) ( B ) states that the false representation or implication of a sale of a debt causing the consumer to become subject to any prohibited act in the FDCPA is a violation. I would also like to mention that the company failed to provide proof that Spring Oaks Capital has rendered any services or compensation which gives them a right to collect. This is consider false representation and violation under 15 USC 1692e ( 2 ). I challenge you to produce an agreement that I have with Spring Oaks Capital. The failure to produce such agreement is considered unfair practices under the FDCPA, 15 USC 1692f ( 1 ). As established, you mentioned the purchase of the alleged debts. According to 15 USC 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. You mentioned in your response that you are honoring my requests. I wanted to make sure that it included deletion from all consumer reports. If not, I will be seeking remedy for all violations to the FDCPA which infringed my consumer rights pursuant to 15 USC 1692k
02/07/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30909	Web
RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX
04/05/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19082	Web	Older American
On XX/XX/XXXX I received a letter from Springs Oaks Capital LLC debt collector Reference XXXX, claiming that as of XX/XX/XXXX I owed {$1300.00}. I reached out to the company and explained that I was not the owner of the debt. Spring Oaks advised me to file a police report. In the meantime, I received several calls from Spring Oaks and I continued to explain that I was not the owner. I reported the matter to the XXXX XXXX Police in XXXX XXXX but I was not given a formal report, I was advised to check my credit report so I reached out to XXXX and they confirmed the above. I continued to reach out to the debt collectors and they directed me to XXXX. On XX/XX/XXXX, I went back to the XXXX XXXX Police department and I refiled the identity Theft Incidence, I received a copy of the incidence report affidavit Report Number XXXX / Filing date XX/XX/XXXX. I also filed the Identity Theft Victim 's Complaint and as directed uploaded it to XXXX XX/XX/XXXX. However, I continued to receive calls from Spring Oaks, an agent advised me to send it to their company XX/XX/XXXX and I did. The matter was not resolved so I reached out to XXXX XXXX XXXX, XXXX on XXXX XXXX. Furthermore, The origin of the debt is in XXXX XXXX and I have never resided in any other state besides XXXX. I firmly disagree with Spring Oaks that I am the owner of the debt because without any doubt I am a victim of identity theft.
12/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 71112	Web
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : SPRING OAKS CAPITAL LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of in formation Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. They dont even have the complete account numbers listed but placed accounts on my experian, transunion , and equifax report hurting my credit and listing debts and i reported the identity theft but they never removed the debts.
10/18/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11102	Web
I have requested numerous times from Spring Oaks capital -A SIGNED CONTRACT SIGNATURE PAGE FROM THEM -PROOF OF SALE OR BILL OF SALE THAT THEY PURCHASED THIS DEBT CFPB closed complaint XXXX previously upon their response that they have or had sent any of this. Their statement is a bold faced lie. They have not provided a contract or signature page of the contract in line with the fair credit reporting act, they also can not and have not provided proof that they purchased this debt which is too old to be on any of my credit reports. They only sent a list of the previous companies statement. they are not XXXX XXXX and if they were they would understand this debt is too old to be on my report and they would also be able to provide debt validation such as A SIGNED CONTRACT SIGNATURE page- which they DO NOT HAVE and a proof of debt purchase. if they can not provide both of those items per the fair credit reporting act they MUST remove from my credit report. Their reply to complaint # XXXX before it was closed is a bold lie. Please ask them to provide both. THEY CAN NOT. I do not believe this debt was purchased at all. I believe they pulled public records and do not have the right to collect this debt. Per the FAIR CREDIT REPORTING ACT THERY NEED TO PROVIDE XXXX ) A SIGNED CONTRACT PAGE WITH DATE AND MY SIGNATURE and XXXX ) PROOF OF A BILL OF SALE OR A SIGNED SALE CONTRACT FOR THIS DEBT.
07/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR XXXXX	Web
Spring Oak is claiming to have sent proof of documents in the following debt validation to me in which I did not receive it in 30 days nor did I receive what I have requested. Please see the letter sent an attached below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX Debt Validation Letter To whom it May concern, I am writing under the Fair Credit Reporting Act and am asking for crucial and legal information ( see below ). In addition, I am asking for any negative items to be removed promptly based on Code 15USC1681 or if any legal items below can not be sent within 30 days. I am requesting the following to be sent to my address above : Original debt contract with my signature, Proof of Debt assignment, All legal binding contracts, Payment history Name and address of original creditor I am requesting this to be sent immediately to my address or within 30 days or promptly remove accounts and negative marks from my credit report and all 3 Bureaus immediately. Kind Regards XXXX XXXX I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT No ADDITIONAL COMMENTS I am not receiving the documentation I have requested nor have I received it within 30 days, and by law must be removed from my account. Because they are not following the following laws this must be removed immediately from my credit report. 15 US C 1681 section 604 A 15 US code 5 1681 b
07/23/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	RI 02895	Web
THE ACCOUNT YOU HAVE IN MY NAME NEEDS TO BE PERMENTLY REMOVED OUT OF YOUR SYSTEM.AND REMOVED FROM MY CREDIT REPORTS. XXXX XXXX XXXX. THE ORIGINAL CREDITORS WAS OPENED WITHOUT MY KNOWLEDGE THE ACCOUNTS WERE UNAUTHORIZED WHICH ENTAILS IT SHOULD HAVE NEVER WENT TO YOUR COMPANY FOR COLLECTIONS. I HAVE DISPUTED THESE ACCOUNTS BEFORE WITH XXXX XXXX XXXX. XXXX XXXX XXXX AND SPRING OAKS CAPITAL YOU CLOSED AND " SOPPOSEDLY '' DELETED THIS ACCOUNT FROM YOUR " SYSTEM '' FOR THE REASONS IVE STATED HERE. FOR SOME ILLAGETAMATE REASON, ONLY XXXX KNOWS WHY YOU REOPENED THE ACCOUNTAND REPORTED IT BACK TO THE CREDIT BEAREAUS AGAIN. WHAT IS WRONG WITH YOU PEOPLE! NOTHING HAS CHANGED, NOR IS IT GOING TO, WITH ALL DO RESPECT HOW MANY DIFFERENT WAYS AND DOCUMENTS DO I HAVE TO SEND TO YOU FOR YOU TO REALIZE THE ACCOUNTS ARE NOT MINE.. ALSO YOU HAVE NO SIGNED DOCUMENTS, CONTRACTS WITH MY WET SIGNATURE ON IT YOU NEED TO PERMENTLY CLOSE AND DELETE THIS ACCOUNT FOR GOOD OUT OF YOUR SYSTEM AND REMOVE THE ACCOUNT FROM MY CREDIT REPORTS, ALL XXXXYOU ARE VIOLATING MY CONSUMER PROTECTION RIGHTS UNDER FCRA U.S.C.15 SECTION 604A , 602A AND 607 I HAVE ENCLOSED DOCUMENTS FOR YOUR CONVIENCE AGAIN IF NEED BE I WILL PROCEED WITH LEGAL ACTION THANK YOU FOR YOUR COOPERATION ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPRING OAKS CAPITAL XXXX XXXX XXXX
03/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60620	Web
My personal information was stolen in early 2022, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate collections I have listed immediately, the following includes : SPRINGS OAKS CAPITAL LLC XX/XX/2022 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
07/20/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30312	Web
XXXX collection companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Spring Oaks Capital were collecting on the same debt. On XX/XX/XXXX, I paid XXXX XXXX XXXX as they claimed to have owed the account since XX/XX/XXXX. Spring Oaks Capital claimed to have owned it since XX/XX/XXXX. I contacted Spring Oaks Capital and informed them another collection firm had been paid for the same debt. They requested and received a copy of the paid receipt from XXXX XXXX XXXX. Spring Oaks Capital informed me that someone from their team would reach out to XXXX XXXX XXXX to verify payment of the debt and they would then remove the collection from their files and my credit reports. Over the course of several months, numerous phone calls and emails, Spring Oaks Capital went from removing the account, to stating I never sent in documentation, to claiming XXXX XXXX XXXX is not a real company and I was the victim of fraud ( this is documented via email ). I was asked by Spring Oaks Capital to contact my bank, request a refund and then pay them. In XX/XX/XXXX, XXXX XXXX refused to do any further research and after not having reported to any credit bureaus in XXXX years, updated ( re-aged ) the account in the credit bureaus and began sending me collection letters, emailing payment offers and calling to collect. ( This is all documented in the attachments ).
08/14/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33351	Web
You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you cant and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you cant verify after two written requests is also evidence of your willful disregard of Federal Law. When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts.A copy of a bill doesn't prove that an account was open by me The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them. I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.
11/03/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38018	Web
I just filed a complaint with XXXX XXXX they sold this account to Spring Oaks LLC, Waiting for response from Spring Oaks LLC, couldnt reply to the company because they were not in the system for complaints, how are they capable of replying and I just got some mail from them today thats clearly stated this is an ONLINE CASH ADVANCE with a drivers license, 1 check stub, that can easily be done, 2 separate sheets, 1 bank that shows deposit and credits and another bank that shows absolutely nothing. This does not show anything that proves this is mines, this is a reason why I posted documents and why I had to contact XXXX, because I couldnt open up me an account this year XXXX. I will post all these documents and they didnt respond to COMPLAINT ID XXXX Is because they were gathering all this mess to try and prove this is mines, when you submit disputes to the credit bureaus you submit all documents including DL and they submit documents to them, first thing first you continue to report a C/O account monthly and its closed, It was sold to your company from XXXX XXXX and from XX/XX/XXXX it shows INTERNET Cash Advance, no in person conversation to XX/XX/XXXX, if this is a cash advance where did you get all of these different transactions when you dont show the deposits. WHO account are you looking, you sent me 2 different banks
09/06/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34759	Web
Notice and Demand to Cease and Desist ALL Collection Activities Prior to Validation of Purported Debt. My identity has been stolen, you are hereby put on notice. Aggravated Identity Theft pursuant to 18 U.S.C. $ 1028A. Privity of contract : a contract that exists only between the parties no third party can enforce or obtain rights contained within a contract or buy or sell a contract without the express permission of the original parties. Defamation of character, violation of Fair Credit Reporting Act ( CFRA ), CONSUMER RIGHTS TO PRIVACY and Fair Credit Reporting Act, Federal Debt Collection Practices Act ( FDC PA ) of multiple state and Federal laws, fraud, aggravated identity theft, Identity theft, extortion, theft by deception, mail fraud, intentional act of fraud and GROSS MISREPRESENTATION. Misrepresentation of a material fact. Fraud, deliberate concealment of material information, fraud is a felony. XXXX XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES! 15 U.S. Code 1681n - Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code- Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation.
11/16/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NM XXXXX	Web
I received two phone calls on XX/XX/XXXX from this numberXXXX XXXX XXXX XXXX, they called again on XX/XX/XXXX. On the XXXX, I spoke to the gentleman on the phone and expalined to him the account he was calling about was part of my debt settlement agreement with XXXX XXXX XXXX and to please call them. He then told me they did call them and XXXX XXXX XXXX claimed not to have an account for me. i told him again to contact them. After getting off the phone with them, I called XXXX XXXX and confirmnd the XXXX account was enrolled in my plan. I then submitted a contact us request online through Spring Oak Capitlal 's website and even provided the phone number for them to call and asked them not to call me. A week later, i received another phone call. The gentleman on the phone told me, yes we see XXXX XXXX XXXX but no phone number for them. I told him I sent the phone number to them via their portal. I again went on the portal and submitted a second request to not contact me. Yesterday evening, XX/XX/XXXX, they called me again at XXXX. I did not answer. I have been faithfully working on all my debts and working with XXXX XXXX XXXX for almost 2 years. 5 of my creditors have been settled and paid in full. If they do not want to work with XXXX, they need to just leave me alone. I can not afford to pay XXXX and them as well.
03/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	UT 84107	Web
Spring oaks capital sent a notification to the credit bureau that the debt was disputed by consumer and verified. It's a valid debt. However they reported this without verifying the debt with me. Ive never heard of them before and have no reason to believe I owe them any money. They didn't send me anything to show they have a right to collect on this debt including transfer of ownership nor proof that they can collect in Utah as I requested. Also they were supposed to send me a letter outlining their process if a debt is verified. How payments are handled and then whether reporting continues, etc. They called me 3 separate times complaining I hadn't responded however I never received anything from them at all. The third call I gave a different email in case that was the issue. I had checked my spam but nothing from them at all. When I gave other email I was told their supervisor probably wouldn't want to put any more effort into trying to " help me '' but they'd see. Next thing they report the information that it was disputed etc as mentioned above. However never followed through number one with the information requested about their company 's practices as promised. But also never even verified the debt in the first place. They continue to call me several times a week and still are reporting to XXXX.
12/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77380	Web
Good Day, On XX/XX/2021 I received a credit alert about a collection account that was placed on my report by Spring Oaks Capital , LLC. I have not received ANY information via postal mail, email, or telephone from this company and have never even heard of them. It states the " creditor '' as a company I have never heard of as well. I disputed the " collection '' account on my XXXX Credit report and the response was null. When reviewing the " case '' today XX/XX/2021 it stated it was resolved and the account remains on my report with no change. Debt collectors are required to provide a debt validation notice at a minimum and once again I have NEVER received anything from Spring Oaks Capital , LLC or even heard the name until a XXXX ago. I also don't recognize the prior " creditor. '' After reviewing some online posts about Spring Oaks Capital , LLC it seems MANY other people have had this issue as well. They report accounts people have never been notified of having or have ever had. They seem to randomly place collection accounts on the credit reports of some people XXXX years after accounts were written off or disposed via XXXX XXXX according to other horror stories read on forums. Many comments mention Spring Oaks Capital , LLC being a complete scam and sham of a company and I will NOT be a victim.
05/04/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60613	Web
On XX/XX/XXXX, I was notified of a debt that was supposed to had been reported on XX/XX/XXXX from a XXXX XXXX alert for a debt of {$250.00} from Spring Oaks Capital LLC. The account number was not specified on XXXX XXXX but the original debtor is XXXX XXXX XXXX XXXX. I am pretty sure the account is from XXXX XXXX. XXXX XXXX is reported to XXXX by XXXX XXXX XXXX later purchased by Spring Oaks. The balance is shown as {$700.00} opened on XX/XX/XXXX with account number ending in XXXX. Several debt collection companies have contacted me about this debt & I told each and everyone I did not authorize the opening accounts and/of transactions associated with it. I received a letter dated XX/XX/XXXX with further details on this account # XXXX from XXXX XXXX XXXX initiated by identity theft after I called last week to notify the company of my denial of this account. This is my second time initiating this fraud investigation and I received an identical investigation decision account ending in # XXXX. I am ready to be relieved of a debt not owned by myself. I am writing this report as a statement in writing that this account has been fraudulently opened without my consent. I am very much not responsible for this debt. I am willing to prosecute whoever is found to have initiated this card fraudulently.
10/28/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MD 21703	Web
SPRING OAKS CAPITAL LLC at XXXX XXXX XXXX XXXX, VA XXXX- This collection account has been reported as having passed due balance of {$390.00} on my XXXX credit report ( ONLY )- I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. Note : This complaint is NOT for verification, this company couldnt provide me with ANY paperwork showing 100 % VALIDATED proof that I am responsible for this alleged debt. SPRING OAKS CAPITAL LLC, MUST provide me with the following with 30 days. Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims have been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to the collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.
08/30/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 27513	Web
I am writing this letter due to the actions that Spring Oaks Capital has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company. They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with Spring Oaks Capital, and that they have purchased from the original creditor. For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. Sincerely yours, XXXX XXXX
02/10/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02703	Web
Dear I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76006	Web
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to SPRINGOAKCAP which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/XXXX. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then this is another violation. Lastly, you are reporting that the date last active was XX/XX/XXXXXXXX which is untrue. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from all 3 credit reporting agencies or I will have no choice but to forward this to my litigation attorney. I will attach the dispute letter that was sent 6 months ago which is dated and time stamped.
05/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 782XX	Web	Servicemember
XX/XX/2023 ; I took action via a credit reporting service to have older and inaccurate information on ALL my credit reports be removed. ALthough some information has been removed, unfortunately not all the information was removed and therefore is causing a halt and sometimes negative affect on my reporting. To maintain accuracy and truth to my reports, I'm taking action myself to ask for items to be removed from my account based on the laws listed below : According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
09/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 01702	Web
Spring Oaks Capital LLC sent me a bunch of pages, there are like 10 copies of account statements, a bill of sale and some other things but they never provided me with the original creditors signed contract. I need this company to either give me the original contract with my signature on it or for them to stop harassing me about this debt, as a human being I have the right to dispute this debt and this account contains so much information that I am not or have I ever been affiliated with. The phone number that is on one of the pages that they sent me is not mine or have I ever had any of this phone number, the address on the account statements and on the other pages isnt mine either, I have never lived at that address that they have on their files, please help me resolve this issue because I have disputed this debt before and spring oaks Capital LLC claims that this debt is mine. My last option will be to take them to court so that the court can ask them to provide me the original signed contract. I also noticed that this debt collection company has sold this debt so many times. Till this day, I have not received the signed original contract for this account. This debt collection company never send me anything telling me that they are allowed to collect this debt on my state.
07/07/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 27105	Web
Spring Oaks Capital LLC called my mother in law trying to find my husband about a debt. We were not aware about this debt as no letters have been received by us to dispute. After looking on our credit report we see that the original creditor was XXXX XXXX. He has never had an account with them. The creditor called my mother in law at XXXX. When I called the number back on XXXX directly after, they would not identify who they were. The original caller actually refused to come to the phone. We were finally able to get out of them the agency they were with and amount owed but did not tell us who the original creditor was. Spring Oaks was absolutely unprofessional and disgusting. They divulged private information to my mother in law, which to my understanding is against federal law. They would not identify themselves to us nor the original creditor which i believe violates federal law as well. Spring Oaks needs to not contact myself, my husband, his employer, or my family. I want this removed from his credit as I have no idea what this account even pertains to and they failed miserably notifying us that this was owed. XXXX XXXX needs to remove the charge off as well, we have never received any letters so we could dispute the debt and we have no idea what this account is.
02/16/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	KY 402XX	Web
I received a letter in the mail from " Spring Oaks Capital LLC '' stating that I owe an alleged debt. I am a federally protected consumer under the United States Constitution and my consumer rights are being violated. The reference number on the letter is XXXX. I do not owe any debt and I demand that they cease any collections effort immediately and do not report anything to any credit reporting agency. I unfortunately have been a victim of identity theft resulting in fraudulent accounts being opened in my name. Spring Oaks Capital LLC are illegally attempting to collect an alleged debt that they have received fro " Upgrade ''. I supplied " Upgrade '' all of the supporting documents that prove this isa fraudulent account. Upgrade removed the account from my credit file and stopped attempting to collect the debt. Spring Oaks Capital is violating the FDCPA sending me deceptive forms to make me think I owe an alleged debt and take my money. It is illegal for them to collect on a fraudulent debt. I demand that they stop attempting to collect the alleged debt, send me a letter relieving me of financial responsibility and do not report anything to any credit reporting agency. If they do not the will be responsible for civil and criminal liability under the FDCPA.
12/17/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 92553	Web	Servicemember
In XX/XX/2022, I sent certified letters to the law offices of XXXX and XXXX in XXXX XXXX, Ca telling them that the debt doesnt belong to me that my name is XXXX XXXX XXXX not XXXX XXXX for that is my fathers name and I have no knowledge of this debt and is not my debt. I received no response then on a random day when I returned home from a work trip and vacation I have a random court summons saying Im being sued by XXXX XXXX XXXX. The document was left on my door steps and mustve flew around because my neighbors shared they had to grab the papers from blowing away. I was not properly served nor this this debt mines and they yet to provide the original purchase agreement with the terms and conditions that shows I owe this alleged debt. This is poor practice for I feel harassed, Im embarrassed, and this is on my credit report and it is doesnt belong to me. Please help and stop these predators for illegally trying to sue people and get judgements because the individual is not aware. Ive a victim of identity theft and my police report file number : XXXX XXXX police department XXXX XXXX XXXX dispatcher XXXX XXXX id # XXXX Identity theft File # XXXX I also sent another certified letter requesting the original purchase agreement again on XX/XX/2022.
12/30/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	DE 19977	Web
THIS IS NOW MY SECOND ATTEMPT TO RESOLVE THIS DEBT. On XX/XX/2021 I sent a certified letter to this company asking the for a dunning notice as well as validation of this debt. The certified mail number is XXXX. They claim they didnt receive this letter but is was picked up by someone in their office on XX/XX/2021. I then sent another certified mail letter dated XXXX/XXXXXX/XX/XXXX number XXXX which was picked up by someone int their office on XX/XX/2021. I also called in to to speak with a Supervisor on XX/XX/2021 and asked if they received my disputes.they stated that they sent me proof of debts owed to an address of XXXX XXXX XXXX XXXXXXXX XXXX XXXX Pa which I do not live. They then proceeded to tell me that the address they had on file was my current address which I found odd. They also told me that they would send me an email with proof of debt within XXXX4hrs via email which they verified that they had. I still have never received this email. I then called back on XX/XX/2021 and Spoke with XXXX XXXX and he told me that he would send me an email with validation of debt and still no email. At this point they are past several violations of the FDCPA and FCRA. I have no other choice to pursue legal action if this account is not deleted
07/12/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Incorrect information on your report Information belongs to someone else	IA 515XX	Web
In or around XXXX of 2021, I had an account show up on my credit report from a company by the name of Spring Oaks Capital. I immediately got a phone number and reached out to this company because i did not have any accounts that should have been in collections. The company refused to speak with me stating that I could not and did not give correct verification information to them for the account that I was speaking of. Throughout the next several months, I disputed this account with the credit bureaus and with the company to no avail. XXXX would not properly investigate the dispute properly because they would close said dispute stating information was verified as accurate. I sent XXXX dispute letters via certified US Mail to Spring Oaks Capital demanding that they produce proof of the debt belonging to me. To date, after several phone calls and them acknowledging that they received my dispute, they have still yet to remove this information from my credit report. They have violated several rules of the Fair credit reporting act and have failed to produce the information requested. I do have similarities of the person in which the debt belongs to, however ; ALL of the information does NOT match mine and this debt DOES NOT BELONG TO ME!
11/21/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 604XX	Web
Spring Oaks Capital , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Virginia, XXXX To : The Office of XXXX XXXX for Spring Oaks Capital , LLC From : XXXX XXXX XXXX XXXX XXXX Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX , together with a certified copies of signatures contract between you and XXXX XXXX XXXX , you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. Consumer disputes this debt and ALL claims in accordance of XXXX CRF XXXX, Title XXXX USC XXXX, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. By : XXXX XXXX XXXX
07/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 75154	Web
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to SPRINGOAKCAP which is another violation. I received nothing in the mail leading up to this collection being reported. This account was added in XX/XX/2021. I am requesting a copy of the correspondence mailed to me during that time informing me that I had a debt with your company. If you can not provide this, then this is another violation. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from XXXX or I will have no choice but to forward this to my litigation attorney. Attached is the debt validation letter I sent your company 2 months ago to the point of no avail. The letter is dated and time stamped.
04/14/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33598	Web
As of XX/XX/2021, a debt account was initiated in my name. I subsequently made a request for verification of said debt, inclusive of the original agreement, in order to ascertain the veracity of the original creditor and underlying debt amount exclusive of any ancillary charges. Regrettably, despite the request being lodged, I was not furnished with the aforementioned documentation. In light of this, and given the frequency and persistence of the debt collector 's communication attempts, I proceeded to engage a representative of the aforementioned entity and forcefully articulated my demand to cease and desist with the communications. Furthermore, I expressly communicated to said representative that I had previously solicited verification of the subject debt, but to no avail. As it stands, the entity has my correct contact information on record but has yet to provide me with the requisite documentation to validate my purported indebtedness. In sum, given the lack of evidence of the debt, the absence of due documentation to substantiate said debt, and the failure to meet legal deadlines with respect to furnishing requested documentation, I vehemently maintain that I do not owe the debt in question.
06/01/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MN 55118	Web
Approximately XXXX XXXX XXXX I was contacted by text message for a debt that I do not have. I have bever done business with the company and is a phishing attempt as they included multiple links for payment option. Claimed to owe exactly {$48.00}. per month for 12 months. Message began with : " This message is from Spring Oaks Capital , LLC. '' Gave me an XXXX number to call a link to set up a payment plan. Another link for disclosures and an additional separate attachment preceding the text message. Claimed was in regard to a XXXX XXXX account originated by XXXX XXXX which is now owned by Spring Oaks Capital SPV , LLC. They are fixated on setting up a payment plan the links are the phishing that would infect or steal or information. Also, they used two different company names, then claimed they are debt collectors. To much information to try and confuse the individual. I have never opened an account with XXXX XXXX or have had any indication of debt collection as I monitor my score. Text message originated from phone # XXXX. They claim XXXX XXXX is now owned by them, if this was true they wouldn't need a debt collection. As they are acting on behalf of their own account and debt reconciliation.
09/03/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 48505	Web
I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act ) IN COLLECTIONS SPRING OAKS CAPITAL LLC {$8900.00} OPENED XXXX XXXX 15 U.S.C 1681 section 604 A. section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, XXXX, written permission to furnish these accounts. DELETE THE ACCOUNTS.
10/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN XXXXX	Web
Spring Oaks Capital LLC is reporting Account # XXXX to my consumer report which is FALSE & MISLEADING because I have no legal obligation or contract of any sort with Spring Oaks capital LLC. This is a violation according to CFR 1006.18 ( FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS OR MEANS. I demand for Spring Oaks Capital LLC to DELETE the negative item from my credit file, immediately. I Demand that SPRING OAKS CAPITAL LLC Please attach copies of the following : 1. ALL required disclosures pursuant to 12 CFR Part 1006.42 2. Agreement with your client that grants SPRING OAKS CAPITAL LLC the authority to collect this alleged debt. 3. Signed agreement Debtor has made with SPRING OAKS CAPITAL LLC or other verifiable proof Debtor has a contractual obligation to pay SPRING OAKS CAPITAL LLC. Any agreement that bears the signature of Debtor, wherein agreed to pay SPRING OAKS CAPITAL LLC. 4. All statements while this account was open. 5. Answer : Have any insurance claims been made by any creditor regarding this account? 6. Answer : Have any Judgments been obtained by any creditor regarding this account? 7. Please provide the name and address of the bonding agent for SPRING OAKS CAPITAL LLC
04/24/2022	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NJ 08021	Web
On XX/XX/2022, the regulator for SPRING OAKS CAPITAL LLC, XXXX XXXX XXXX, received a cease and desist letter from me. Stating to cease all communication directly and indirectly through any medium, including through my consumer report via the credit reporting agencies. SPRING OAKS CAPITAL LLC, still willfully choose to violate the FDCPA by still communicating and the GRAMM- LEACH BILEY ACT privacy rule by not ceasing the advertising of my non public information to the public through the credit reporting agencies to coerce payment from me on an alleged debt. As of XX/XX/2022, SPRING OAKS CAPITAL, failed to cease communication and continue to communicate with me through my consumer reports with the Credit reporting agencies. They are knowingly still violating 15 USC 1692 ( d ) ( 4 ) by still advertising my non public information and refusing to delete the account off my consumer report. They were given 15 days to pay invoice for damages, cease and remove the non public personal information and failed to do so. I am now a victim of there non compliance and aggravated identity theft. Also, they knowingly possess and are using my means of identification with the intent to EXTORT me of {$3400.00}.
12/07/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 604XX	Web	Servicemember
I am submitting a formal complaint against Spring Oaks Capital LLC for their collection activities on behalf of XXXX XXXX XXXX. The issue at hand involves their ongoing attempts to collect an alleged debt of {$830.00}. Despite my request for verification of the debt, Spring Oaks Capital LLC has not provided adequate documentation to validate the claimed amount. The lack of transparency concerning the alleged debt, including specific dates, charges, and supporting documentation from XXXX XXXX XXXX, raises significant concerns. The actions taken by Spring Oaks Capital LLC have been persistent, and it is essential to assess whether these actions comply with the Fair Debt Collection Practices Act ( FDCPA ). I kindly request the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter, seeking resolution through proper verification of the debt, cessation of persistent collection efforts, and the provision of detailed information pertaining to the alleged debt. I refrain from providing personal information in accordance with CFPB guidelines but am willing to provide necessary details upon request. Your prompt attention to this complaint is appreciated.
04/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN XXXXX	Web
Upon review of my credit report, I noticed a collection for Spring Oaks Capital , LLC. It stated the original creditor is XXXX XXXX XXXX XXXX. Being unfamiliar wit this debt, I contacted the collection agency. I also filed a dispute with XXXX XXXX. I hadn't heard anything back, so I contacted both XXXX XXXX and the collection agency. XXXX XXXX representative couldn't offer any information. I called Spring Oaks Capital, and requested a copy of the documents pertaining to the debt. The representative claimed they were sent when I filed the dispute. I never received anything. I requested hey be sent a second time, and I was told by the representative that they " already sent them ''. After continued conversation, she agreed to request they be resent, and I again never received anything. I called back a 3rd time with the request that they send documents with tracking info so I could ensure delivery information. They refused. To date, I still have no documentation or knowledge of this debt, and Spring Oaks Capital has not cooperated in sending them. I am unsure if I am a victim of identity theft or if this is just a scam, but I do know I am entitled to review these alleged documents.
10/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 90221	Web
I am writing to request comprehensive documentation regarding the legal or equitable chose in action pertaining to Spring oaks capital llc. In order to facilitate efficient proceedings and ensure all relevant information is accounted for, we kindly request the following documentation : Copies of any contracts, agreements, or instruments related to the chose in action. Detailed records of any transactions, exchanges, or transfers involving the chose in action, including dates, parties involved, and transaction specifics. Information on any legal actions, claims, or disputes associated with the chose in action, including court filings, judgments, and settlements. Pertinent correspondence, communications, or notices related to the chose in action. Any other documents or records that provide insights into the nature, ownership, or status of the chose in action. We appreciate your prompt attention to this request and ask that you provide the requested documentation within 7 business days. If you require further clarification or have any questions regarding this request, please do not hesitate to contact me. Thank you for your cooperation and timely attention to this matter.
10/14/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30311	Web
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY! Accounts : XXXX XXXX XXXX XXXX - {$590.00} XXXX XXXX XXXX - {$630.00} XXXX XXXX XXXX - {$1400.00} Inquiries : XXXX XXXX
06/01/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MO 63122	Web
The account Spring Oaks Capital is being reported on my XXXX credit report as a result of identity theft. This company is a collection agency that purchased a debt from XXXX XXXX XXXX. XXXX XXXX XXXX is the issuer of a credit card account which was opened fraudulently. The specific credit card goes by the name of XXXX, XXXX, or XXXX XXXX XXXX XXXX XXXX The XXXX account has been removed from all three of my credit reports however the collection account owned by Spring Oaks Capital still remains on my report. I have sent an FTC report to XXXX and they sent it to this company and they illegally verified this information as accurate. It is against the law to report a collection to my credit report when the delinquent account that they bought from the original creditor has been deemed as fraudulent. I have uploaded a letter from XXXX stating that XXXX obtained my credit report in what has been deemed a fraudulent application, meaning the opening of the account is also associated with fraud. I have also provided an email from this debt collector clearly stating that they are attempting to collect a debt and that the original account is a XXXX XXXX issued by XXXX XXXX XXXX
02/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23223	Web
NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; SPRING OAKS CAPITAL # XXXX I dont recognize this account in accordance with the fair credit reporting act ( SPRING OAKS CAPITAL and XXXX XXXX has violated my rights. XXXX5 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
04/29/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33319	Web
I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I am requesting the Following items for XXXX {$610.00} The name and address of the original creditor A copy of the original contract between myself and the original creditor. The original application for this account with my signature. A copy of the agreement authorizing your company to collected on their behalf of the original creditor. FULL detailed accounting history on the account and the calculations on how they reached the amount owe. Provide verification on any judgments connected to this account. Provide your license to collect in my state and your registered agent name with their address. Please show proof that the Statue of Limitations has not expired in my state for this account. Provide the date of the last payment on this account. Please provide the answer to this request in writing within 30 days or I will be forced to take legal actions. Thank you for your cooperation, XXXX XXXX
10/01/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NJ 088XX	Web
I received a letter of debt collection from XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, VA XXXX Their reference # XXXX dated XX/XX/2021 received by US Mail on XX/XX/2021. Note their envelope has no postmark or date. I immediately called them on XX/XX/2021 and advised of my intention to dispute and requested validity of the debt, proof of obligation. i was requested to provide my birthdate to which I refused as I had no idea whom was on the other end and possibly provide sensitive personal info to anyone. I wrote a letter dated XX/XX/2021 requesting validation of the debt to which to date have no received. I noticed that on XX/XX/2021 this company then placed a collection of my credit bureau reports with all three national credit bureaus. This is a violation of my rights as I have no proof or validity of this obligation, not was any provided by this company as of XX/XX/2021. Please force removal of the collection from my credit bureaus and take action against this firm for violating my rights to dispute since no proof was provided, and the receipt of the notification from this company was not received for in excess of 25 days from date of their notice..
03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 752XX	Web
The collection agency XXXX XXXX XXXX has yet to discontinue furnishing inaccurate data to XXXX. I have never had an obligation to pay this company anything. My credit report has a comment acknowledging that this account was disputed but I have yet to receive any validation of this account that they are reporting. I am unaware of having a balance with the original creditor. The only account I've had with the original creditor is not the balance that is reporting on my credit report therefore I am asking for proof of this account or remove this immediately before I am forced to take legal action. I was involved in a data breach which I will attach to this complaint, so it is very possible that my information was compromised. Send me a copy of my ssn, photo id, proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties, contract bearing my personal signature -License proof to collect debts in my state and provide me of the amount of which the debt was purchased-Per the CFPB, I have this right as a consumer. If you can not provide ALL of the listed proof of validation then delete this account immediately.
12/15/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77064	Web	Servicemember
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company regarding the derogatory information being reported to my credit bureaus. My first Debt Validation letter was signed and received by them on XX/XX/2020. I received an itemized list that listed no evidence of belonging to me. I later sent a second letter, signed and received by them on XX/XX/2020, advising them to validate or delete this negative information from my credit reports as they have not provided any validity that this debt belongs to me. I received a letter stating they will no longer look into my validation request. This is a clear character violation and lack of validation. I have given well over 30 days to respond regarding my dispute with no proof in sight. How is it possible for them to continue reporting clearly Unverified, Invalidated, and Inaccurate information to my credit report? I am requesting this company to immediately remove this erroneous invalidated information from the three major credit bureaus : XXXX, XXXX, and XXXX. I am also requesting a physical deletion letter be mailed to me directly.
01/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38127	Web
I reached out to Spring Oaks Capitol about a debt they placed on my credit report XX/XX/XXXX. I had prior communication with this company before they placed this account on my credit report. As stated on the paperwork they obtained or bought this debt on XX/XX/XXXX. They failed to notify me of this debt or did not give me the time to request validation before they placed it on my consumer file. As soon as I gain Knowledge that this account had be placed on my account I contacted this company disputing the validity of this account. Between XX/XX/XXXX and XX/XX/XXXX I sent out a letter asking for them to supply information to validate the debt as I do not recall obtaining this debt. On XX/XX/XXXX well past 30 days ( only after I called ), I received what seems to be a " Plan Disclosure and Account Agreement ''. This document state that it was opened online and has a electronic signature supposedly signed by me. I do not recall opening this account and this electronic signature could have very well been signed by anyone. They information they have sent me does not solidify that this account belongs to me or was even opened by me!
09/24/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 01702	Web
This is my third time filling a complaint about this debt collection company, I have never signed a contract with them, There is no contract between me and spring oaks Capital. Spring oaks Capital has never lent me any amount of money, by law this company must provide me a contract between me and them since they are asking me to pay them, the contract should name them as the creditor and my name must also be on it. A contract between me and the original creditor is not the same as a contract between me and a third party debt collector, I also want to see the proof that they are authorized to collect on this debt. I also want the full record of accounting that shows every single charge, fee, interest charge and payments on the account. Since this third party debt collector decided to furnish this information to the credit bureaus, I want them to provide me with the document signed by me that says that I gave consent that allowed them to furnish this information to the credit bureaus, I also want the documentation of the sale between spring oaks Capital and the original creditor and the amount that they paid for this account.
09/13/2022	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 932XX	Web
On XX/XX/2022, I received a letter from The Law Offices of XXXX and XXXX, a debt collection attorney. I called the original creditor on the letter listed as Spring Oaks Capital SPV , LLC. They told me to cal XXXX, who is not a collection agency just a software company that finds debts and hands them out to other collection agencies or Law offices. I then emailed The Law Offices of XXXX and XXXX to inform them that all communication MUST be in writing for my records. They called me, when I told them not to. I again, emailed The Law Offices of XXXX and XXXX to inform them to again keep all communication in writing, email or mail was fine. They called me again. So I called back and the gentlemen asked if he could record me, I said " no '' I need you to keep all conversations in writing so he hung up. My issue is the lack of following the 15 U.S. Code 1692c when I asked them to keep ALL communication in writing. I offered a debt settlement and they just kept calling. I am not against a settlement on this debt, but I am against someone violation 15 U.S. Code 1692c, I have the phone records and emails available if necessary.
09/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	KS 662XX	Web
Failing to provide documents listed below : I request verification/validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Note : a billing statement, notice, or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect above-listed alleged debt. Cease & Desist all collection activities including reporting to consumer reporting agencies ( CRAS ). Providing me the specific verification documents above shall not be deemed collection activity. Further, I request that you promptly delete any and all prior consumer reporting made to any CRAS. If you comply with my cease collection & deletion request, then you are excused from verification. If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of chain of title of the alleged debt must be from the alleged original creditor to the current alleged owner without ant break of chain.
04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32605	Web
In accordance with the Fair Credit Reporting Act, the entity listed below has violated my federally protected consumer right to privacy and confidentiality under 15 U.S.C. 16841 Spring Oaks Capital , LLC Acct # XXXX has violated my consumer rights. 15 U.S.C 1681 Section 602 A states that I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1692c ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S.C. 1692b ( 4 ) not to communicate by postcard. 15 U.S.C. 1692b ( 2 ) not to state that such consumer owes any debt. 15 U.S.C. 1692b ( 5 ) not to use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
01/04/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	SC 29229	Web	Servicemember
A letter has still not been received as stated in your previous response. I DID NOT AND THERE WAS NO AGREEMENT ENTERED INTO WITH XXXX XXXX and unless you can provide proof showing an agreement entered with XXXX XXXX THIS DEBT IS NOT VALID AND SHOULD BE DELETED ASAP. In addition according to the FCRA information in a consumer report can not be provided to anyone who does not have a purpose specified in the act. The consumer must be notified when adverse action is taken. AGAIN I was not notified nor was a thirty day notice given without reporting this. By law a five day notice must be given of the collectors initial attempt to collect a debt. I will not be paying for something I do not owe, have no knowledge of, and has adversely affected my credit. It also does not matter what day an account was purchased the debt MUST be reported from the original delinquency date that was within a seven year statute. This is illegal, inaccurate reporting and a violation of the FCRA. If this debt is not removed I will be contacting an attorney as you all are reporting this debt without proof, notice, invalidly, and illegally.
05/21/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 44512	Web
I have been attempting to get a debt validation letter from Spring Oaks Capital , LLC for {$4800.00} since XX/XX/2023. That is the date that I sent a request for debt validation letter via email. I also have sent three letters by mail via the U.S Postal Service. I received a package from XXXX XXXX XXXX that was dated XX/XX/2023 at my address. However the documentation that was included in the package was for a person named XXXX XXXX XXXX for an amount of {$2100.00} from XXXX XXXX. So I am unsure if I am being scammed at this point. I have been receiving letters in the mail from local debt attorneys that have stated there is some type of lawsuit against me from Spring Oaks Capital , LLC but I have not received any paper work from them stating as such and as XX/XX/2023, I still have not received a debt validation letter with my signature that states that I owe Spring Oaks Capital anything. I have reached out to the company by their customer service email stating that I never received a debt validation letter but the information I received was for someone else and I still have yet to get a response back yet.
08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94561	Web
XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
02/03/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	PA 164XX	Web
Upon receiving notification that a collections account was opened by Spring Oaks, the original creditor name, and the date being reported as when Spring Oaks bought the account rather than the date of the original delinquency, I submitted a dispute through the credit bureaus indicating what had been done. All bureaus reported it as being accurate and no change was made. On XX/XX/XXXX, I contacted Spring Oaks directly and spoke with XXXX XXXX at XXXX. She told me that the date of XX/XX/XXXX is correct and is the date of when the account was assigned to them subsequent to their purchase of the debt and that they do that for all of the accounts assigned to them. She further stated that as such they will not change the aging date on my credit report. When I asked the date of the account going into collections, she stated that it was XXXX, but didn't give a month. At this point she asked if I was calling to make a payment and would not answer any further questions or have more of a discussion. I told her that I appreciated the information and would complete my report to the CFPB and the call ended.
10/30/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AL 36117	Web
I missed a phone call from a number that I did not recognize. This number was XXXX. I called the number back when I saw it on my cell phone later. There was an automated message stating that the call is being recorded and then a lady answered, gave her name, and asked for my name. Since they had originally called me, I did not think that I should have to give my name. I asked the name of the company and she said " Spring Oaks Capital ''. I asked what kind of company this is and why are they calling and she declined to give me any information unless I give her my name first. I do not want to give my name to a company without knowing what the nature of the call is. This sends up red flags in my mind. I googled the company and found out that it is a debt collection company. I know that I don't have any unpaid or slow debts so I immediately got worried and ordered copies of my credit reports. All is clear, thank goodness. I do not know how this company obtained my personal cell phone number but I do not want to receive calls from any type of debt collection company. This reeks of a scam to me.
11/15/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 603XX	Web
This creditor has reapplied this debt to my XXXX profile on XX/XX/2023 despite it being previously removed from all XXXX bureaus by the previous company. It has since been bought by a new company XXXX Spring Oaks Capital LLC, ) in which once acquired took it upon themselves to reapply this item explicitly to my XXXX credit report ; which is most widely used. This action on their part has created obstacles for me in obtaining the credit essential for my daily needs in addition to experiencing higher interest rates and has recently caused a significant drop in my credit score, which was their dire intent. The resolve I would like to request for is the removal of this item from my credit report ( s ) so that my report can return to its original status before this circumstance and for the restoration of the lost credit score points due to their recent actions. Thank you for your time and attention to this matter. XXXX XXXX Please see the below item description reporting on XXXX Spring Oaks Capital LLC, XXXX XXXX XXXX XXXX, VA XXXX XXXX Re : Collection/Chargeoff Amount : {$1200.00}
06/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33172	Web
In accordance with the Fair Credit Reporting act SPRING OAKS CAPITAL LLC Acct # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 18 USC 1028A- Aggravated Identity Theft ( A ) OFFENSES. ( XXXX ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( XXXX ) XXXX XXXX. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.
11/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 11213	Web
Hi, I have tried countless times to dispute the issue with XXXX pertaining to the incorrect stated amounts owed to Spring Oaks Capital LLC. Each time my claim has been returned as confirmed, which is incorrect. Please correct me if I'm wrong, but it is to my understanding that a company collecting debt or so-called debt are required to be licensed in the state of the alleged person that owes the debt. Is that correct? If so, according to Spring Oaks Capital LLC is not licensed in the state of New York. On that data point alone any claim and/or attempt to collect debt from me should be taken as a violation of Consumer Finance Laws and an attempt to commit an unlawful act. There's also the issue of I do not know nor have ever signed any document binding me to XXXXXXXX XXXX XXXX XXXX. XXXX should be held responsible for lack of debt ownership and illegally allowing the sharing and/or access to my private personal information. More so for assisting in the perpetration of a fraud. Case in question are : XXXX Credit Report Spring Oaks Capital LLC XXXX XXXX XXXX XXXX - XXXX. {$650.00}.
11/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 485XX	Web
Spring oaks capital LLC. Has stolen my personal information. I have no contract with Spring oaks capital LLC. and I have never given them any personal information of mines. How did they obtain my personal information? Spring oaks capital LLC is reporting illegal and unauthorize personal information on my credit report. Spring oaks capital LLC is using my stolen personal information to take me to court under false pretenses. What laws were used to get my personal information and file a lawsuit on me for an alleged debt that is already paid for? I the consumer have given Spring oaks capital LLC Notice letters of dispute, Opportunity to cure and opt-out request. Spring oaks capital LLC refuse to perform based on law. Spring oaks capital LLC. Continues to use stolen personal information in misleading and deceptive practices. Who authorized the selling. Sharing. or reporting of my personal information? I the consumer did not consent to this. Yet I continue to harass with illegal reporting and court cases that I never agreed to or authorize this use of my personal information.
10/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33446	Web
I have received letters in the mail from : Spring Oaks Capital , LLC in Virginia trying to collect monies. I have never done business with this company, nor have I ever signed a contract with them. I have been receiving threatening phone calls from XXXX and letters from these people. They now have 2 collections showing on my different credit reports, claiming that I owe them money, which I don't. The 2 banks they are telling me they work for happen to be 2 banks that I have current accounts with, both in good standing, never late on any payments, no issues. I'm XXXX XXXX XXXX and scared that they will ruin my credit or do something worse to my life. I have reported Spring Oaks Capital , LLC to the XXXX, filed a complaint. I have a current XXXX Account and multiple accounts with XXXX XXXX, personal and business, all accounts are current, in good standing. Spring Oaks Capital has numerous complaints with the XXXX I have never given consent to Spring Oaks Capital, signed any contract or verbal agreements with them. I want these collections taken off my credit report.
01/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23504	Web
The credit reporting agency allowed the same company to be listed as a charge off on my report and a collection under two different names but they are the same XXXX XXXX also known as XXXX XXXX XXXX XXXX put a charge off on my report in XXXX but did not issuse a 1099 from the IRS. On XX/XX/XXXX nearly eight years later the same company reissues a collection account brand new on my report. Spring Oaks Capital opened and old charged off account nearly eight years old as a new collection. The collection agency claims this fraud is allowed for the same company to continue open old accounts as new causing great economic harm to my family. Spring Oaks Collecton knowingly and fraudulently opened an eight year charged off account as new, this is not legal. I have filed numerous disputes with the agencies biut to na avail. Spring Oaks Capital are fraudulently opening up new collection accounts under a different name. XXXX XXXX XXXX XXXX XXXX are the same compnay. This company is trying to apply double jepoardy by destroying my report and using criminal fraudulent tactics.
05/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85086	Web
SPRING OAKS CAPITAL LLC Account : for {$1100.00}. In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I am not liable for this debt with SPRING OAKS CAPITAL LLC and do not have a contract with SPRING OAKS CAPITAL LLC They did not provide me with the original contract/application as I requested. This company has affected my lively hood with this derogatory reporting and has caused a hardship on my personal and professional life. I have submitted several disputes and SPRING OAKS CAPITAL LLC continues to report negative information on my credit report. Please remove these accounts as soon as possible. Thank you
10/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77396	Web
I received a letter from SPRING OAKS CAPITAL LLC stating that they are a debt collector and they are trying to collect a debt that I allegedly owe to XXXX and that they will use any information I give them to help collect the alleged debt. I am not sure how these companies got my information, because I did not give it to them. This is fraud and identity theft. I did not give these companies permissible purpose or any other authorization to have, use, buy or sell my personal information. I am being preyed upon by this organization and it is trying to extort me. I sent this company a debt validation and cease and desist letter to which they did not respond. This company has damaged my credit and defamed my character. I do no not owe this company. I have a right to privacy and this company has violated my rights. They have reported this inaccurate erroneous information to the credit reporting agencies which has caused me to be denied for credit on multiple occasions. This account is listed on my credit report as an open collection as of XX/XX/2022.
07/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 20602	Web
On XX/XX/XXXX I attempted to retrieve information from a reporting company i have no knowledge of that reporting a charge off on my credit profile. The company updated my credit report which manipulates the statute of limitations as well as never produced the proof of this alleged debt. Thus violating 15 USC 1692 ( e ) false and misleading representation and 15 USC 1692 ( f ) Unfair practices. Springoakcap is the company that is violating my rights to privacy under the Privacy Act of 1974 due to not providing the evidence of myself and the company doing any business together and possibly acquiring my personal information illegally. Also, violating federal law 15 USC 1681 not reporting information that is 100 % accurate. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, i can only presume that no proof of the alleged debt or any debt means no debt exists. Please remove this charge off from my credit report immediately because it is damaging myself and my families well being. Sprinoakcap charge off.
09/22/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	MD 207XX	Web
SPRING OAKS CAPITAL LLC a XXXX buyer bought a debt under my name from XXXX XXXX XXXX XXXX XXXX ( XXXX ). I contested the debt and was advised that XXXX had not guaranteed the validity of the debt they sold to SPRING OAKS. I informed SPRING OAKS on several occasions beginning at least on XX/XX/2021 that I was contesting the debt and asked them for a copy of the PURCHASE agreement under which they allegedly purchased the debt under my name. They have a law firm - XXXX XXXX based in Ohio, that they have retained to collect on the debt. I contested the debt 's validity and requested a copy of the agreement from the law firm as well. They have REFUSED to give me a copy of the PURCHASE agreement and have now filed a case against me. I also want to emphasize that sending me a copy of the XXXX OF SALE will not suffice as the XXXX non-validation of debt clause is according to information given to me, contained in the PURCHASE agreement. The address of the XXXX buyer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
10/21/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SC 29072	Web	Servicemember
A third party company called Spring Oak Cap has posted a derogatory on my credit report and public record for a company called XXXX XXXX XXXX. It say that it was made in XXXX of XXXX but information of where and when is not accurate or related to my involvement. XXXX XXXX says they are part of a collection company from XXXX XXXX XXXX XXXX XXXX XXXX for a credit card I do not own. XXXX is also for something from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. says it was opened in XX/XX/XXXX A company called XXXX XXXX says they are collecting a debt for a XXXX XXXX XXXX. This account was closed and told not to be renewed. But the companies customer service for XXXX aggressively did not want me to stop having coverage. I wanted my service ended. I was in a XXXX XXXX XXXX XXXX. And no longer wanted anything to do with this harsh company. My service and demand to stop service was in XX/XX/XXXX. Instead the XXXX company still charged me for another month not listening to the cancelations made from XX/XX/XXXX thru XX/XX/XXXX.
10/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN XXXXX	Web
SPRING OAKS CAPITAL LLC is reporting Account # XXXX to my consumer report which is FALSE & MISLEADING because I have no legal obligation or contract of any sort with SPRING OAKS CAPITAL LLC. This is a violation according to CFR 1006.18 ( FALSE, DECEPTIVE, OR MISLEADING REPRESENTATIONS OR MEANS. I demand for Spring Oaks Capital LLC to DELETE the negative item from my credit file, immediately. I received no response to my debt validation letter dated XX/XX/2022 ( XXXX XXXX Number # XXXX ) to SPRING OAKS CAPITAL LLC. SPRING OAKS CAPITAL LLC are not complying with the law 12 CFR Part 1006.42 which requires them to send required disclosures with their response. I demand for SPRING OAKS CAPITAL LLC to DELETE the negative item from my credit file, immediately. In my Debt Validation letter dated XX/XX/2022 ( ATTACHED ) I requested for SPRING OAKS CAPITAL LLC to abide by the law and send the required disclosures. I am only exercising my rights as a consumer by demanding SPRING OAKS CAPITAL LLC to abide by the law
11/11/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	TX 773XX	Web
On XX/XX/11 @ XXXX XXXX XXXX XXXX XXXX called from phone number XXXX and stated that he ( XXXX XXXX ) was from XXXX XXXX XXXX XXXX XXXX stated that his " client '', Spring Capitol, was trying to collect a debt. When I asked if they ( XXXX XXXX XXXX ) had bought the debt, XXXX XXXX stated " no ''. Once I pointed out that 15 USC 1692 ( a ) Communication with the consumer generally states " Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ''. XXXX XXXX then gets erratic and says " What do you plan to do about it ''. When I tell XXXX XXXX again that he ( XXXX XXXX ) is not allowed to contact me since they ( XXXX XXXX XXXX ) are not the ones who I owe the original debt to. XXXX XXXX then begins to say " Do you need me to tell you for a third XXXX time ''. I proceeded to tell him to not contact me again and he hung up.
07/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	WY 82601	Web
I recieved a text wanted me to set up payments for an XXXX XXXXXXXX. I have never had an XXXX XXXXXXXX nor does it show up on my Credit Report. Is this a fishing text? This message is from Spring Oaks Capital , LLC. We have alternative payment options to help you pay off the debt on your account. Pay off the balance of your account with payments of {$38.00} per month for 19 months. To set up a payment plan, visit XXXX. You can also reply to this text or call XXXX to get in contact with one of our friendly representatives. We have agents ready to respond during normal business hours. This message is regarding your XXXX XXXXXXXX account originated by XXXXXXXX XXXX, which is now owned by Spring Oaks Capital SPV , LLC. We have a number of payment options available that are just a few taps away. Make your payments more manageable by finding a plan that works for your situation. We are a debt collector. Click here for important disclosures XXXX XXXX XXXX Reply STOP to opt out.on my credit report.
12/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91606	Web
There is an account on one of my consumer credit reports in the name of Spring Oaks Capital LLC, which is supposedly a collection account being inaccurately and illegally reported on my XXXX credit report. I have never had any type of account or ever signed any contract with XXXX XXXX XXXX. I have tried disputing this account with the credit bureau directly and no proper investigation has been conducted. This collection agency has no right to report an account on my credit report as they have no original contract, they do not have my wet-ink signature on any agreement for any type of product of service. This violates the Fair Credit Reporting Act and the FDCPA. They have never responded with any documentation I have requested in my disputes, nor have I ever received any correspondence from Spring Oaks Capital LLC. There are multiple violations in the way they have reported the account along with the fact that this is a fraudulent account unbelonging to me, which they have not dismissed in any matter.
08/09/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21237	Web	Servicemember
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
06/22/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48504	Web
on. for 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions SPRING OAKS CAPITAL LLC Last reported XX/XX/2022 {$8900.00} Open balance XXXX XXXX XXXX XXXX Original creditor Opened XX/XX/2022 ( XXXX XXXX ) 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
08/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91304	Web	Servicemember
The original complaint was filed back in XXXX number XXXX with the text messages to me and my relatives. Recently, I have been emailing them and even called them because they have on my credit report via credit karma this account was opened XX/XX/XXXX which is not true! I have asked them verbally on a call in XX/XX/XXXX, multiple disputes via XXXX XXXX, emails as well as not only will no one correct this but they also will not provide me with the contract I dinged when I applied proving the card open date which is around XXXX. XX/XX/XXXX. Today, I get in the mail a 10 page, front and back package of statements which i did not ask for and proves nothing since it has nothing to do with my request. With the multiple emails I have sent, they have responded to one simply saying the debt is valid which again does not answer my questions. First it was the harassing text messages to my phone, my cousin, my uncle and my ex husband in XXXX and not this! Please see all supporting attachments.
04/25/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	MO 63146	Web
I received a copy of my credit report and saw this item of information reporting : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account Number : XXXX The following account has been reinserted on my credit file in error as it had been previously deleted. I am once again disputing the completeness and accuracy of this item of information. It is my understanding that once an account has been reinserted there were required steps you should have taken as a result of that action. Accordingly, I was supposed to be notified in writing within 5 business days after the date of reinsertion. The notice was supposed to include : 1. Statement that the disputed information has been reinserted 2. Business name and address of any furnisher of information contacted etc. 3. Notice that the consumer has the right to add a statement I have yet to receive that written notice. Im requesting that you delete the item of information once again. XXXX XXXX XXXX XX/XX/1965 XXXX See attached letter
05/19/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 22401	Web	Servicemember
I received a text message from " Spring Oaks Capital , LLC '' offering payment plan options for a debt I allegedly owe to XXXX XXXX. I do not owe anything to XXXX XXXX ; I do not have and have never had a card from them. All of my credit cards are in excellent standing and paid in full every month. I have no debt aside from student loans. I thought the text might be a phishing attempt, so I googled -- and my goodness! It's actually WORSE than a phishing scam. There are COUNTLESS complaints by people who received these texts and then found a fake debt on their credit report in default status. Many people have figured out that XXXX XXXX purchased a very old debt ( that was legitimate in the past, but that since expired or was paid off ) and then reported it as a new debt! Others have simply fake debts on their reports. I have not yet checked my report, but if there is anything about this " XXXX XXXX '' or XXXX XXXX XXXX reported on there, I will take every possible legal action.
07/26/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MI 48601	Web
Hello I recently talked with the debt collector about said credit card debt they say I owed, but I told them I paid it off 2 years ago they still are reporting it as owed and calling me and sending me letters saying I owe when in fact my state taxes was garnish to pay said owe debt and my work wages was also garnished. I emailed them, called them, and provided proof the the amount was satisfied within my local courthouse. I filled numerous disputes and provided proof and they still reporting it on my credit report and harassing me about the debt. The amount owed was XXXX from spring oaks collection but the company XXXX had the debt and the courthouse paid XXXX XXXX, so spring oaks is trying to get payment on an old debt that was paid. I also paid off XXXX XXXX and they are also trying to get me to pay them a second time when they surd me and garnish my state income tax. These companies are still reporting the debt as owed and trying to force me to pay a second time.
07/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 705XX	Web
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
03/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 430XX	Web
XXXX XXXX XXXX acct # XXXX2 15 U.S.C 1692 ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection if any debt. 15 u.s.c 1692b Any debt collector communicating with any person other than the consumer for purpose of acquiring location information about the consumer shall identify himself, state that he is confirming it correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; 15 u.s.c 1692b ( 2 ) not sate that such consumer owes any debt ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in debt collection buisness or that the communication relates to the collection of a debt ;
04/11/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IN 46201	Web
Spring Oaks Capital LLC XXXX, VA XXXXXXXX Spring Oaks Capital LLC is reporting a open collection on my Consumers Credit Report stating I owe the some of {$4600.00} from a XXXX credit card. I requested a validation of this debt to prove that I owe this money + I requested proof of my SS # and the address associated with this debt. They provided me with a XXXX credit card statement showing that I owe {$2500.00} as of XX/XX/XXXX with a address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX. This was from my 1st request. They sent me another XXXX statement stating that I owe {$4600.00} as of XX/XX/XXXX with my address being XXXX XXXX XXXX XXXX. XXXX, IL XXXX. These statements are fake because 1st off you can't have a Cc using a XXXX XXXX XXXX XXXX XXXX XXXX is a Office building. My credit limit is {$1500.00} but the over the limit charges are {$3100.00}. Cc don't let you go over by {$3000.00} these are fake statements. I feel I'm being a victim of a scam.
02/27/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 78245	Web
On XXXX/XXXX/2023 Spring Oaks Capital , LLC contacted a family member without my consent and told them the amount of my debit, who the debt was originally with, and gave an offer to pay off with a link. This is a violation of my privacy. The message was as followed This message is from Spring Oaks Capital , LLC. Your XXXX XXXXXXXX account originated by XXXX XXXX is now owned by Spring Oaks Capital SPV , LLC. We are willing to accept {$300.00} to resolve your account for less than the full balance. We request that you review and take advantage of this offer by 2023XXXX. We are not obligated to renew this offer. Please contact us if you need more time to reply to this offer. See the offer at XXXX. If you have any questions, reply to this text or contact one of our representatives at XXXX. We have agents ready to respond during normal business hours. We are a debt collector. Click here for important disclosures https : XXXX. Reply STOP to opt out.
10/22/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TN 38141	Web
I have new and updated information, SPRING OAKS CAPITAL admits to furnishing information on my consumer report that it knows or should know to be inaccurate. This account is in a charge off status meaning the alleged debt was canceled, therefore SPRING OAKS CAPITAL should have sent me a 1099 C so that I may report this canceled debt as income, pursuant to the IRS instructions. I, consumer, have never received a 1099 C from SPRING OAKS CAPITAL. Therefore this is not only violations of the FDCPA, but Tax Fraud as well. SPRING OAKS CAPITAL is reporting income, which is inaccurate information on my consumer report. If SPRING OAKS CAPITAL fails to honor my demand in removing this information from my consumer report, I will take it as the violations are willful and noncompliant of federal law and IRS tax instructions and I will seek further remedy such as reporting SPRING OAKS CAPITAL to the IRS for tax fraud and further legal action as authorized by the FDCPA
09/17/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	KS 662XX	Web
Under the Fair Credit Reporting Act, to request information regarding an item that is listed on my consumer credit report. Spring Oak Capital, account number : XXXX. According to the Fair Credit Reporting Act, Spring Oak Capital is legally required to report accurate information. I am demanding they remove or provide proof that they have lawful contract with me to pursue the debit in question. Refusal will consider a Willful Violation. Fair Credit Reporting Act, 15 U.S.C. 1681n ). For willful failures to comply with the Act 's disclosure requirement plaintiffs may seek statutory damages between {$100.00} and {$1000.00}. Violations : 15 U.S.C. 1692e : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 15 U.S.C. 1692j : Furnishing certain deceptive forms
05/18/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MI XXXXX	Web
I sent a certified letter to Spring Oaks Capital in XX/XX/XXXX to dispute this so-called debt they say I owed. I did not receive any information back from them till XX/XX/XXXX. That included a credit card billing statement and a collection account being added to my credit report damaging my credit history. This is in violation to the FDCPA and the FCRA. The information on the credit report is incorrect according to this billing statement they sent me it's stating I owe {$600.00} on my Credit Report, Spring Oaks Capital statement states {$600.00} and this credit card statement states {$360.00} all different!! ( Violation # 1 ) Original Creditor states XXXX XXXX XXXX XXXX this statement states XXXX. Who is the creditor? ( Violation # 2 ) Lastly, Spring Oaks Capital waited 9 months to send me a billing statement to so-call verify this debt really? ( Violation # 3 ) This is unheard of, needs to be fixed and removed from my credit report immediately.
08/22/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 01702	Web
Spring Oaks Capital LLC responded that they are sending me documentation that they have of the account that I disputed, all that they are providing is a contract with the original creditor, and account statements, first of all I do not or have I ever had a signed contract with Spring Oaks Capital LLC, if they are claiming that they bought this debt from the original creditor. I want to see the contract that they are claiming that they have, I want to see my signature on the contract. Copies of account statements do not prove that this debt is mine, if we have to go to court, which I am willing to, I will ask that my lawyer asks the court to demand Spring Oaks Capital LLC to show me the contract that obligates me to pay them the amount that they are asking for, the contract that they have comes from the original creditor and I am sure that my signature is not on that contract and again, I do not have a signed contract with Spring Oaks Capital LLC.
12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PR 00610	Web	Servicemember
My previous letters highlight your many violations of my consumer report under several consumer laws. Your recent response displays your company Spring Oaks Capital as a habitual and arrogant violator of law as you admit that Spring Oaks Capital perseus Conclusive presumption of worthless debt once it has been declared a Write off or Charge off under Tax Law 13-35 section 1.166-2 ( d ) ( 1 ) ( 3 ) and Section 2.166 ( a ) ( 1 ) ( 2 ) .Your company Spring Oaks Capital has violated my rights as a taxpayer by not providing me with a 1099-C to report income to the IRS under the Taxpayer Bill of Rights and Federal tax law Internal Revenue Codes of 1986 ( IRC ) .The Consumer laws are as follows 15 U.S.C. 1681a ( 2 ) ( a ) ( i ) Definitions and rules of construction, 15 US CODE 6802 ( a ) ( b ) ( 1 ) ( a ) ( b ) ( c ) Obligations with respect to disclosures of personal information, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].
11/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 64063	Web
Springs Oaks Capital LLC has inserted a collection on my consumer report after I requested the debt to be validated. This correspondence was sent by US mail and email as they requested on XX/XX/2023. I have no choice but to report them to the CFPB. I will also put the cease and desist here. CEASE AND DESIST Pursuant to 15usc 1692c. ( c ) I am notifying you in writing that this is not my alleged debt and I am demanding that you cease all communication with me through any and all mediums. My credit report is a medium of communication. I am invoking my specified remedy as a consumer, and the original creditor I am demanding the following : Pursuant to 15 USC 1692c. ( c ) ( 2 ) XXXX out the balance on this account Delete the account from all consumer reports Your company also inserted information into a non-affiliated third party ( consumer report ) without my permission. Best, Without prejudice, all-natural inalienable rights reserved
12/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60409	Web
Spring oaks capital is a collection company is purchased a fraudulent debt from XXXX. In XXXX of 2021 I noticed that I had two accounts placed on my credit from upgrade. One being a credit card and the other being a loan. I disputed the accounts through XXXX, XXXX, and XXXX as identity theft because I had not opened any accounts through this company and I also had a fraud alert for all 3 credit bureaus. The credit bureaus removed the accounts and a few months later XXXX sold one account to XXXX XXXX collection and the other to Spring Oaks Capital. Both put the accounts on my credit report. I went on to dispute them and they were removed. Spring Oaks Capital continues to put this account on my credit report after being notified that it was identity theft. Spring Oaks capital is costing me money and they continue to try to collect a fraudulent debt. Please assist me with having spring oaks capital removed from my credit for good.
09/05/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	CA 916XX	Web
I recently discovered that I had a few accounts under my name that I myself had not opened. I only found out about them because I was continuously receiving calls about different accounts being sent to collection ( which at first I thought was just a scam call ). It wasn't until I went to apply for something and got denied that I finally went to check my credit score and noticed a significant decrease. I seen that a couple loans had been opened and sent to collection, and also that a credit card had also been opened and is on its way to collection with a past due and over limit balance. I have filed with identitytheft.gov and have tried explaining to the companies the situation to no avail. I am not sure who or how my information was acquired, and have limited info on the dates accounts were opened. I do have the current amounts as listed below : XXXX {$1500.00} -XXXX XXXX {$440.00} XXXXXXXX XXXX XXXX XXXX XXXX {$690.00}
06/08/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10705	Web
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identities as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
09/15/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	TX 77449	Web
Contacted XXXX XXXX to resolve the amount and was advised to contact the collection agency Springs Oak Capitol LLC. Contacted Springs Oak Capitol to resolve balance owed from XXXX XXXX in XX/XX/2021. During my conversation with Agent, we agreed on a settlement payment to clear account for deletion on Credit Report. Payment was made and resolved on XX/XX/2021 and I was advised that details would be submitted to Credit Bureaus to have account removed from credit report. Report was sent to credit bureaus on XX/XX/2021. I called Credit Bureaus to request account from XXXX XXXX to be removed as account was paid and no longer owed. Credit Bureaus agents advised that account can not be removed as it shows its still owed to XXXX. I submitted supporting documents to advise of payment for deletion and items still remain. The items should be removed as the debit is no longer owed and agreement was a pay for deletion.
12/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30132	Web
THE COMPANY ~ SPRING OAKS CAPITAL LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS ON MY CREDIT REPORT AS OF XX/XX/2021 STATING THAT I OWE XXXX. I DO NOT KNOW WHO THIS COMPANY IS AND I DON'T OWE THEM ANYTHING. I HAVE NOT RECEIVED ANY NOTICES IN THE MAIL OR EVEN BEEN CONTACTED BY THIS COMPANY PRIOR TO THEM PLACEING THIS ON MY CREDIT REPORT. I FEEL THAT DURING THIS PANDEMIC ERA THAT THE WORLD IS IN, COMPANIES ARE TAKING ADVANTAGE OF CONSUMERS AND DOING FRAUDULENT THINGS TO OUR CREDIT REPORT AND THINKING WE WON'T STAND UP FOR OURSELVES. IT SHOULD BE A LAW AGAINST THIS. AND IF IT'S ALREADY A LAW IN FORCE, THEN THIS COMPANY SHOULD BE REPRIMANDED! IT'S NOT RIGHT TO JUST PLACE THINGS ON CONSUMER REPORTS WITHOUT CONTACTING THE CONSUMER PRIOR. ESPECIALLY IF THE CONSUMER DO NOT KNOW THE COMPANY. OR IF THE ACCOUNT HAS ALREADY BEEN CLOSED. I HAVE NO IDEA WHO THIS COMPANY IS AND I HAVE NEVER HEARD OF THIS COMPANY UNTIL NOW.
06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77396	Web
I requested in my Validation letter dated XX/XX/XXXX which Spring Oaks Capital LLC fail to validate all of my request. Spring Oaks Capital LLC sent copies of card statements and other interesting documents that have me questioning do we as consumers, have any privacy at all. I will address that privacy issue. My attachment 's will show that a debt collector, XXXX XXXX XXXX obtain my private and personal information without my permission and then sold my private and personal information for monetary gain. No contracts submitted by Spring Oaks Capital LLC that bares my personal signature. Spring Oaks Capital LLC did not Validate all my request pertaining to contracts that bares my personal signature. But they submitted to me a Bill of Sale that shows XXXX XXXX XXXX the Seller of my private and personal data. And Spring Oaks the Buyer of my private and personal data. This buy and sell happened on XX/XX/XXXX.
10/11/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	PA 19013	Web
I never received mail correspondence from this company or the original creditor. I only received a phone call from a woman claiming to be from the collection company, she called during my work hours. When i expressed to her that she is calling during work hours she abruptly hung up on me. I have not received any further correspondence via mail or any correspondence stating my right to dispute and any options offered to me to help pay off the debt. Prior to this, i have tried multiple times with XXXX XXXX to resolve the account. On multiple occasions i was told their system was down. They also double charged me and claimed it was because the system went off of the statement balance even though i paid my credit card down completely prior to the statement. They saw this, verified this to be true, yet refused to honor this and fix my account. Since then i have struggled financially to pay the account off.
02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA XXXXX	Web
there are two accounts listed on my credit report that DO NOT BELONG TO ME. I was a victim of identity theft during this time frame. I have filed a police report previously and filed a dispute with XXXX XXXX XXXX XXXX regarding this matter. The accounts are under the name XXXX XXXX XXXX XXXX ( 977 ) owed and {$210.00} owed. Under same account name. I investigated further and I need this debt removed from my credit report. Also XXXX XXXX XXXX is reporting ( 2 ) accounts under CLOSED in my 3 credit reports. Claiming two seperate accounts one in the amount of {$1100.00} owed and the other with {$710.00} owed. Both of these accounts were opened online when someone stold my wallet and stold my identity. Te had access to my ID my social security card and my mailing address informtion. All 4 of these acconts are being reported fradulently on XXXX XXXX AND XXXX. Please remove credit debt from my report.
06/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38109	Web
XXXX XXXX XXXX XXXX XX/XX/XXXX {$950.00} XXXX XXXX XXXX ACCOUNT : XXXX XX/XX/XXXX {$690.00} SPRINGOAKCAP XXXX XX/XX/XXXX {$800.00} 15 U.S.C. 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15 U.S.C 1681s-2 ( 8 ) Ability of consumer to dispute information directly with furnisher 15 U.S.C. 1681 section 602 States I have the right to privacy 15 U.S.C 1681i ( 1 ) Reinvestigation required 15 U.S.C 1681i ( 5 ) Treatment of inaccurate or unverifiable information 15 U.S.C 1681l Restrictions on investigative consumer reports 15 U.S.C 1681 section 604 A : it also states consumer reporting agency can not furnish an account without my written instructions.
01/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19120	Web
I sent a letter to Spring Oaks Capital on XX/XX/XXXX requesting a validation. In response, I received a letter dated XX/XX/XXXX with a statement with balances from what seemed to be from another collection agency along with a Bill of Sale document. In response, I responded with a failure to validate letter on XX/XX/XXXX. Spring Oaks replied on XX/XX/XXXX ( received in the mail XX/XX/XXXX ). The letter states they WILL " NOT be conducting another investigation of the dispute '' since they responded to the last letter. With this letter there were more statements along with the Bill of Sale document. The account is reporting on my credit report and I have yet to get any clarity on this debt as requested. I have given ample time for validation yet the so-called account is still not validated and is continuing to report on my credit report causing a negative representation of my character.
01/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 32505	Web
On XX/XX/2021, I called XXXX to open an investigation concerning an item on my credit report from Spring Oaks Capital for a XXXX XXXX credit card. I advised the representative at XXXX that I had not received a letter prior to this item being added giving me the option to request validation and verifcation of said debt. Because I wasn't given the option to dispute with the collection agency before it being added to my report, I asked XXXX to investigate. I logged into my XXXX XXXX app and saw that XXXX has updated this dispute as valid. It has been nine business days so how is this possible? Also, I never received anything in writing proving this was verified. XXXX did not initiate the dispute in my opinion because why has it updated in nine business days as " Meets FCRA requirements ''? I am now requesting this item be removed from my credit report until an investigation is completed.
10/12/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 38141	Web
I, the natural person and consumer, did not receive any information regarding this alleged debt placed on my consumer report by SPRING OAKS CAPITAL. Nor did I receive the information required per 15 USC 1692g ( a ). As such, pursuant to 15 USC 1692c ( c ), I refuse to pay this alleged debt. SPRING OAKS CAPITAL have failed to provide adequate validation of the debt, such as proof of the existence of the alleged debt and outstanding balance, proof of a contract verifying SPRING OAKS CAPITAL can legally collect, and proof that SPRING OAKS CAPITAL is the current holder of the instrument. SPRING OAKS CAPITAL is violating Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. This company claims that the alleged debt was originated from XXXX XXXX XXXX yet SPRING OAKS CAPITAL is the company listed on my consumer credit report.
12/13/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19104	Web
collections by Spring Oaks Capital , LLC. Account alleged open XXXX XXXX reported to credit bureau XXXX. Spring Oaks Capital LLC claims to have purchased debt on XXXX and states they allegedly sent a verification letter which I never received. They are reporting the original creditor as XXXX XXXX XXXX bank but state they purchased debt from XXXX bank ... the report has the account being opened on XXXX XXXX which is false this is when spring oaks states they purchased a alleged old debt account not the date of which account was opened .the reporting to the credit bureau does not indicate the original debt nor the original date the account was open. The date could be older than 7 years but definitely older than the 4 month they are Misrepresenting in the reporting to the credit bureau. I have made numerous attempts to have this resolved through the bureau as well as other avenues
03/01/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OK 74801	Web
Second notice, I sent notice to this company through CFPB stating they were in violation of FDCA. They responded that the were assigned the debt. First violation- you have 5 days to send notice to me once you assumed a debt, and give me the right for you to validate debt. you did not, Second after contact through CFPB you had thirty days to validate debt, you have not. You place on my report the debt was disputed the 5 days later you report debt resolved in which it was not. XXXX bank report to credit report as well. You show account is open in which it can't be it's collection then you show as if your company and me have a contract in which we don't. If not resolved I will take to court, and force you to show contracts between me and your company and any other company that bears my signature, I will also seek Max amount allowed per violation. I have only listed 2 so far.
11/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43231	Web
This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. I have report a complaint over this account that was never verified : XXXX XXXX XXXX XXXXXXXX Account Status : not accurate showing as open account. XXXX Terms Frequency : missing information. XXXX Account Type : is not accurate this account was reported as fraudulent over 3 years ago. Please delete this account at once. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
04/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA XXXXX	Web
I don't know Spring Oaks Capital , LLC NOR I have made business with them. I have no obligation to pay any amount to this collection company since I have never done business with them. Collection company need to validate my information and since they already mention they purchased the debt ( debt not validated ) I won't pay a dime. Collection companies only have access to the statements the original creditors send along after paying pennies over dollar for each debt. You won't get my money and you need to delete this trademark placed on my file. So get that UDF updated or I will pursue SUEing the company. A validation ( certified ) letter was send on XX/XX/XXXX asking for validation, this information was never provided by them. Also, they were asked to cease all collection during all this period of investigation time and they haven't, hence, violated the CFPB and FTC.
09/20/2023	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	MS 39648	Web
I attempted to settle this matter with Spring Oak Capital LLC in XXXX ( see exhibit C ) to no avail. I restarted this process again in XX/XX/XXXX and Spring Oak Capital LLC is still violating the FDCPA in pursuant to 15 USC 1692 ( c ) continuing to indirectly communicate via credit reporting agencies after request was made to cease and desist all communications via any medium other than US Postal mail ( see exhibits A & B ). 15 USC 1692 ( g ) ( b ) which they have failed to provide verification, the name and address of the original creditor which I requested ( see exhibit B ). Spring Oaks Capital LLC has continued to violate my consumer rights. The response that I've received from Spring Oaks Capital LLC is that they refuse to grant my request ( see exhibit D ) which is absurd to me as a federally protected consumer as they are continuing to violate federal laws.
07/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 381XX	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
03/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75287	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX REC ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... SPRINGOAKCAP ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
11/15/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95124	Web
My Social security number was used to open a Credit account with XXXXXXXX XXXX XXXX XXXX back in XX/XX/XXXX. Account number : XXXX. The amount owed after the late fees came to the total {$480.00}. I found about the charges earlier this year XX/XX/XXXX, and tried to dispute it. Spring Oaks Capital LLC, debt collector denied my dispute XX/XX/XXXX and claims that I still owe the amount due. {$480.00}. I have repeatedly showed them tax documentation and called several times to prove my identity, but they continue to deny me. Spring Oaks Capital , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Email : XXXX I have lived in California since XXXX and have never moved out of state. My home address, has been my billing address since XXXX. I also filed a report with identitytheft.gov and submitted the documented letter to XXXX XXXX on XX/XX/XXXX.
08/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 76006	Web
Spring Oaks Capital : ( 2 accounts ) A ). XXXX XXXX - {$710.00} B ) XXXX XXXX {$900.00} Description : Spring Oaks Capital has written, called, emailed, and has reported this inaccurate information on my credit report. I have disputed these accounts online several times. The last emails from Spring Oaks were on XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22. This company has violated these laws : 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
10/27/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CT 06450	Web
i would like all this removed based off the laws below. 15USC section 602 A states i have the right to privacy 15 USC section 604 A section 2 it also states a consumer reporting agency can not furnished account without my written instructions 15 1681 section c ( a ) ( 5 ) USC no consumer reporting may make any consumer report containing any of the following items of information any other adverse item of information other than the records of conviction of crimes which anedates the report by more than 7 years. 15USC 1681 s-2 9A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or as reasonable cause to believe that the information is accurate. Companies Springoakcap XXXX XXXX ins Comnwlthfin webbankavant ccredit coll credit coll creditonebank celtic/cont cb indigo bk of mo fist premer
09/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92651	Web
Citing PERMISSIBLE PURPOSE -Fair Credit Reporting Act A furnisher must not furnish inaccurate consumer information to a CRA XXXX and furnishers must investigate a consumer 's dispute that the furnished information in inaccurate or incomplete. If ANY information has been deleted from a consumers file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the CONSUMER for that purpose, by any other means available for that purpose. Please find attached proof that this company has reinserted an inaccurate account that had already been deleted by XXXX from the XXXX report XX/XX/2021. This reinsertion of erroneous information that was previously deleted is AGAINST THE LAW and needs to be removed expeditiously.
03/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90029	Web
Based on my credit report several account had been opened under my name. I do not know the sum of the amount for each account since they're all charged off and over its limits. Tried to dispute but must companies need a police report so I'm attaching the Police report. I've also received email regarding loans applications and denial letters. So far, I have XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Name used to obtain application was XXXX XXXX, XXXX XXXX from New York, and address XXXX XXXX XXXX instead of XXXX XXXX XXXX. Also, I have an FTC Report and had placed a Freeze on Credit Files, hence the Freeze will be in force for 7 years. Thank you. Also, There is a collection company trying to collect debt not owed. SPRING OAKS CAPITAL LLC. XXXX for {$1000.00}.
04/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 447XX	Web
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the forgoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transactions that Ive made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money, and was successful in creating some accounts. All being investigated by the FTC.
03/27/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	AR 72903	Web
An account was placed with Spring Oaks Capital LLC for collection, they contacted me first in XX/XX/XXXX with a dunning letter, not recognizing the debt I immediately sent a validation letter. They failed to respond until XX/XX/XXXX and the validation was a copy of a single card statement, no proof of ownership of the debt by myself, and no proof that the account t had been transferred to their company. I wrote again requesting the information and received correspondence indicating it was the same matter already investigated and they wouldnt investigate it. I sent another email clarifying what I was requesting and that a card statement does not prove ownership, application for the card, or that their company is authorized to collect the debt. They once again responded that the dispute was the same and had already been investigated.
07/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33169	Web
I am filing a complaint against Spring oaks capital LLC. Ive never done business or have any written agreement with this company. Spring oaks capital LLC is reporting inaccuracies on my credit file. Wrong address, wrong dates that does not match the credit bureaus and is violating 15 USC 1681i5a. This is also aggregated Identity theft which violates 18 USC 1028A. This needs to be removed from my credit file because I am a natural person and a consumer under federal law. I have no obligation of any debt, all debts belong to the United States. You have within 30 days to respond per 15 USC 1681i2 or this law is violated. Spring oaks capital LLC need to respond with my signature of consent to do business with them. That does not exist because this is fraudulent activity. Monetary damage applies per 15 USC 1692k for each law violated.
10/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21217	Web
XXXX XXXX XXXX XXXX Account # XXXX XXXX reference # XXXX I have paid the balance previously averaged settlement agreement, XXXX will will not furnish original information and has accepted payment. There is still an additional balance due of {$820.00} of which XXXX is will to accept XXXX. I have disputed the information with all three credit bureaus previously, currently XXXX shows up on XXXX and XXXX not XXXX. I have mailed information to the president of the company and made multiple complaints and XXXX is still reporting my information. Indigo credit card Spring Oaks capital Has furnished a request to pay with penalties and interest added. I have explained on many occasions of the opening of the card and fraud during the specific. I have disputed the information before as fraud as well as disputing charges with no update.
08/27/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32505	Web
There was no option for this category so this complaint may be in the wrong debt collection sub category. This complaint is against Spring Oaks Capital LLC. They are attempting to collect a debt from me. I live in Florida. According to Title XXX111 Chapter 559.553. A consumer collection agency must be a licensed consumer collection agency who is also licensed in the state of Florida in order to collect a debt or attempt to collect a debt. Spring Oaks Capital is not licensed in the state of Florida as a consumer debt collection agency and therefore is attempting to collect an illegal debt. Since they ( Spring Oak Capital LLC are committing a crime this alleged debt they claim I owe is null and void. Companies can not legally profit from crimes they commit. I have filed a complaint with the Florida Attorney Generals office.
08/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08021	Web
Spring Oaks Capital , LLC ( Debt Collector ) on XX/XX/2021, violated my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). Spring Oaks, knowingly obtained ( purchased ), possess, and used my Personally-identifiable financial information without my consent or legal authority ( Gramm-Leach-Bliley Act ), to unlawfully by extortionate means punish me ( reporting to my consumer report to tarnish my reputation ) and attempt to collect on an extension of credit ( 18 USC 894 ( a ) ( 1 ) ( 2 ) ( Up to 20yrs in prisons for violation of 18 USC 894 ( a ), that I extended to another organization and not Spring Oaks Capital , LLC. They are misrepresenting my extension of credit and attempting to collect an alleged debt that I didnt give them consent to communicate with me about and is not mine.
10/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 741XX	Web
I contacted Spring Oaks through the CFPB and XXXX on XX/XX/2023 to inform them I have no knowledge of this account or the original account. I requested this account be removed from reporting on my credit report. As of XX/XX/2023 the item in question is still reporting. The original creditor for this account, XXXX XXXX, has never provided any documentation to prove this account indeed is mine and that I legally physically signed any paperwork agreeing to this debt. Please remove this account from reporting on my credit report further. The original creditor or debt collector has illegally re-aged this account thus is a violation and per my consumer rights I have the right to sue. ( PER EACH CREDIT BUREAU REPORTING INACCURATELY AFTER REINVESTIGATION ) Please remove this account from reporting on my credit report.
05/16/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MI 480XX	Web	Servicemember
Spring Oaks Capital LLC contacted my mother and my sister-in-law about this alleged debt and the contents and threatened them in order to try and get my contact information from them. I have never received a validation of this debt or any notice of debt from Spring Oaks Capital LLC nor have I ever heard of this debt collection company. I have never been provided any change to dispute this alleged debt due in the amount of {$920.00} which is a violation of my FCRA rights. I do not recognize this debt nor do I owe this debt. It is illegal to contact third parties about debt owed or to threaten people about an alleged debt if they don't give you someone's contact information. It is also fraudulent to put a collection on someone's credit report without any proper notice of debt or validation of allegedly owing said debt.
01/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92651	Web
Spring Oaks Capital has been attempting to collect a debt that is not owed. I have never given any authorization and or consent to the alleged amount owed or the reporting of this amount. Furthermore, THIS COMPANY IS NOT AUTHORIZED to conduct business in any state that I, the consumer, has resided, or currently resides. ( XXXX XXXX XXXX XXXX ). I am perplexed on how this company continues to harm my personal credit with derogatory data entries for a debt never owed to them, and a debt that even the original creditor reports as {$0.00}. This has been an ongoing matter and Spring Oaks continues to display its disregard for federal laws placed to protect the consumer as well as the functionality of commerce as a whole. This company has caused great harm and distress and does not even have the lawful authority to do so.
10/06/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 11225	Web
Spring Oaks capital falsely reports to XXXX that I owe them {$500.00} for an account with XXXX XXXX XXXX. When I contacted Spring Oaks on several occasions they transferred the call to XXXX stating that they own that debt. XXXX managers and supervisors claim that I paid it the account and do not owe anything. They provided me with a pay in full letter. XXXX staff said they can not remove the collection from my credit report because Spring oaks owns it. I disputed the collection with credit bureaus and Spring Oaks insists that the information is accurate. I called Spring Oaks and everest over 20 times and they cant resolve my complaint. I just get bounced around between them 2. I even offered to pay what they say I owe and they stated that i do not owe anything yet they continue to falsely report to XXXX that I do.
04/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 477XX	Web
XXXX XXXX XXXX has been notified by XXXX, as well as me, on more than one occasion involving account # XXXX from XXXXXXXX XXXX to date of this complaint. Also Spring Oaks Capital LLC has been notified as well. Most recentIy, see XXXX Dispute Report # XXXX. However, XXXX XXXX & Spring Oaks Capital LLC keep reporting these accounts of {$180.00} & {$1600.00} past due ' to the 3 major credit bureaus. Last date reported was XX/XX/XXXX, XXXX i I have been a victim of identity theft and have no knowledge of these accounts. All of my personal info including drivers license number, ssn, d.o.b., address, phone #, etc has been compromised in at least three major data breaches and has been sold on the dark web. I have already filed an identity theft report with the FTC a few years ago about this. This is not my account!
09/24/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38018	Web
I have disputed this account for over 2 years, I have requested several times for this company to send me proof that this is my account, I have contacted the bureaus and disputed over the phone, I was told I cant dispute this account and I have had times that the dispute had started over right before the 30 days, I have requested and sent my I.D to them front and back, I was told they will not accept my old police report and it expired, I have been a victim since XXXX. I mailed letters to all XXXX bureaus and XXXX said they never received them, they are reporting on XXXX ONLY and still says open, this is a payday loan and was sold and I have not received any proof as of today, I cant get this resolved through the XXXX XXXX and I have sent them a new police report and they still not following the guidelines.
03/17/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	GA XXXXX	Web
I previous sent a letter to this company telling Spring Oaks Capital XXXX don't contact me about some bogus account they claimed I had with Indigo in year XXXX. They have continued to contact me by mail and by phone the number is XXXX which I screenshot on my cell phone. I was a victim of identity theft last year and it also shows on my credit report. They sent a Bill of Sale that is Post Dated A Year Prior saying this is when they purchased the Debt on XX/XX/XXXX. I have never had an account with XXXX and would appreciate if they remove this from my credit report and stop contacting me. I sent a letter to them because I thought they were an account from me being in collage paying for books which account was paid off now they say it's a credit card that I never received or seen a day in my life.
04/14/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	KY 41051	Web
A debt collection agency showed up on my XXXX and I have never heard of them or received anything from them. I sent them a certified letter requesting they verify or validate my debt. I never received a response from the company. I spoke to XXXX and made the aware that I sent a certified letter and never received a response and they said they would conduct a dispute. They sent me a letter claiming it as verified with no proof from the company and nothing at all from the company leading me to believe they have some kind of deal with them. XXXX is the only creditor reporting this and I didn't get any resolve or clarification from them. Till this day, I have yet to get a letter or anything from this collection agency. They are still tanking my XXXX score while im building and working on my credit.
02/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30909	Web
Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX
07/17/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	GA 30127	Web	Servicemember
In accordance with the fair credit reporting act these creditors have violated my rights. Under 15USC1681, SECTION 602 STATES I have the right to privacy. 15USC1681 SECTION 604A SECTION 2, it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as LATE for any purpose. I also received court documents in the mail from XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Neither Spring Oaks Capital or XXXX, XXXX, XXXX XXXX XXXX XXXX has any rights to collect debt or harrass people in the state of Georgia. Spring Oaks nor the law company has licenses to collect a debt in the state of Georgia.
01/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IL 60487	Web	Servicemember
This debt has been paid in full. Additionally, this collection company continues to contact me via my home and cell phone numbers at all times of day. I have also been called at work. This collection company calls several times a week with an automated message. I have contacted them, yet they refuse to stop calling. I have been threatened and spoken to0 rudely by these people when I try to explain. The recording states that they have been trying to reach someone but provides an incoherent name to contact. This company 's collection practices are criminal and has cause me and my family a great deal of stress and XXXX. My employer has spoken to me about this, and this is extremely embarrassing. My next course of action is to have my attorney 's ( XXXX and XXXX ) to intervene.
08/15/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AZ 857XX	Web
I bought a massage chair from the XXXX XXXX XXXX in XX/XX/2019. I was approved for their financing with XXXX XXXX of {$4000.00}. I purchased the chair and it was to be delivered to my home within 10 days. When it was delivered it was damaged and they took it back. They had to order another from the warehouse. I then cancelled the order and told them I no longer wanted it. They still brought another one even after telling them I no longer wanted it. So when they brought the second chair I had them take it back. I do not have the item- it was returned and I would like it removed from my credit from all parties that have been involved. I believe the account has been sold several different times. I have reached out to all parties on many occasions with no results. Thank you
02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	OR 97267	Web
Opened an account XXXX with XXXX XXXX. In XXXX XXXXXXXX XXXX showed up on my credit report. I have never had an account with XXXXXXXX XXXX. I believe after speaking with XXXX XXXX and their lack of cooperation. In order to continue reporting the collection account, after the Oregon statute period of 6 years, they used a new name and reported the account open in XXXX. The XXXX account I had was closed in XXXX and never reopened. This account is over 8 years old. I have never had an account with XXXX XXXX. Spring oaks collection llc stated they are allowed to collect under any name as long as they purchased the debt. The information on my credit report is completely in accurate. Despite requests to report accurately and multiple disputes they will not correct my report.
05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77396	Web
XXXX XXXX failed to investigate my dispute properly pertaining to Inaccuracy that Spring Oaks Capital LLC have been reporting and the validation request that I submitted. XXXX XXXX Verified my disputed information as Accurate. How do you Verify a dispute that requests for Validation? Spring Oaks Capital failed to correct the inaccuracy they have been reporting. They report to XXXX XXXX only and not to XXXX and XXXX. How can that be accurate information for starters? Spring Oaks Capital LLC refuses to validate my dispute upon request. That is clear a violation of my consumer rights. Listed in my attachment shows proof that Spring Oaks Capital failed to correct the inaccuracy that they have been reporting to my credit report and refuse to validate my dispute requests.
06/17/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AZ 85254	Web
I initially applied for an XXXX XXXX through XXXX bank. I never received the card and I advised them of this. I was told they would send me a new card. I never received it. There was a purchase. made on the card. XXXX responded and sent me a letter advising that I do not owe anything for the account and am not responsible. The account shows closed on my account and should actually be deleted. Regardless it has now been sent to Spring Oaks Collection as they bought it as a charge off. On XX/XX/XXXX I sent a copy of the letter from XXXX saying I am not responsible to Spring Oaks. Today I received an email from Spring Oaks via email saying the charges are valid. I spoke to a manager today and he said I am responsible. I am not responsible. Please see all attachments.
06/22/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	WA 98006	Web
I received this SMS message on XXXX at XXXX PT for a credit card collection that I have never had. The sender 's phone number is XXXX _______________________________________ This message is from Spring Oaks Capital , LLC. We have options available to help you pay off the debt on your account. Pay off the balance of your account with payments of {$71.00} per month for 9 months. To set up a payment plan, visit XXXX. Have questions? Reply to this text or call XXXX. We have agents ready to respond during normal business hours. This message is regarding your XXXX XXXXXXXX account originated by XXXX Bank, which is now owned by Spring Oaks Capital SPV , LLC. We are a debt collector. Click here for important disclosures https : XXXX. Reply STOP to opt out.
04/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 152XX	Web
Spring Oaks is reporting inaccurate information about an account listed on my credit report. Account XXXX is listed on my credit report for XXXX that this account was opened on XX/XX/. Why are you trying to extend a debt longer than the law allows. You have the last reported date the same as the last active date, which is also incorrect information. If you believe that you are reporting accurate, please provide the payment history to this incomplete account. I have attached a copy of this report. I would like this removed from my credit report. A collection account is always to be considered an extension of the existing debt. It is against the law for a collection agency to report old debts or collection accounts as a new account when the debts are sold.
11/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 339XX	Web
A few years ago I was a victim of identity theft which led me to make a feredal report and collect all the evidence of a bank account opened in my name and tax reported to the IRS under my social. At the beginning of 2021 I received a debt from the IRS which I did not recognize and requested an investigation which was to my credit. I have many fraudulent accounts in my credit report, some have already been eliminated but there is one that continues to report negative I have had several disputes and I have communicated with the company but I have not been able to resolve the case. I have sent them the proof of identity theft and even so they have stopped reporting in collection. Since XX/XX/2021 I am trying to solve this problem without satisfactory answer.
07/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38053	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... SPRINGOAKCAP ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
11/04/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29072	Web	Servicemember
Spring Oaks Capital SPV , LLC Had stated that a bill assumpted to be me was sent to me and paid in a amount of XXXX dollars or more. I dispute again this owning of a card called XXXX. Already in the year they said it was opened. Two years prior to that I was scammed out of money from a company who said I owed them money. And still getting emails from company 's telling me about giving them money for offers. I do not accept what this company claims. Ask the CFPB to step and remove the negative report, as I had already done with contacting the three credit bureaus. They state in their as if the charge happened in XXXX. This happened over four years soon to be five years ago. No word of it mentioned or said back then. This is not mine
12/21/2020	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TN 38305	Web
This debt collect agency did not sent proper notice of this debt to me before reporting to a credit bureau ( XXXX ). I was unware that I could dispute the debt and the fees added so I asked for a payment arrangement. Therefore, I had made a recent payment to this debt and asked for payment reminders from this debt collector via email. Upon not getting proper notice on when this debt would be reported to the credit bureau. This was reported without giving me a proper notice that regardless of any payments or payment plans with 45 days of a an initial notice, it will we reported to a credit bureau agency. They claim that a this letter or notice of their intent to report is incorrect information. They reported in a unfair and unreasonable way.
06/13/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PA 19132	Web
I am submitting this complaint as there is no third party involved, I am making this complaint to SPRING OAKS CAPITAL LLC on my own behalf. Because I believe this business is infringing on my right to privacy. The Privacy Act of 1974 is being pursued. This company exploited my personal identifying information without my permission, which is considered identity theft under 15 USC 1681a ( q ) ( 3 ). Also, this company is penalizing me, damaging my name, and undermining the public confidence by furnishing an account to the consumer reporting agencies for which they have no legal power or direct contract to try to collect on this supposed obligation. 18 USC 894 prohibits such conduct. " Collection of extensions of credit by extortionate means
06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32043	Web
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
10/07/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 61115	Web
Checked my report and there is a charge on there from XXXX from XXXX XXXX XXXX XXXX XXXX for {$1700.00} I contacted XXXX XXXX in XXXX Illinois spoke with XXXX XXXX, a fraudulent invoice was emailed to me from a XXXX purchase. I did not purchase any furniture from XXXX in XXXX nor could XXXX corporate provide proof any furniture was delivered to my home nor had a signature that i received furniture in XXXX. XXXX XXXX XXXX said i opened an XXXX card in XXXX which is not true nor could they provide the original documents. XXXX XXXX also state a {$30.00} payment was made in XXXX but couldnt provide what card was used to make this suspicious payment. Please help they are reporting fraudulent dates on invoices and being very dishonest.
06/21/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	OR 974XX	Web
This debt collection agency, is using unencrypted sms communications to attempt to collect a debt. They are requesting personal information, to verify identity via text messaging, asking for date of birth, name etc.. They are also contacting the alleged before XXXX. They are also continuing to attempt to collect a debt more then 30 days after a written dispute letter and a request of debt ownership validation letter without providing documentation requested that validates ownership. Ive Never opted in for the text messaging spam in the first place, however they give you the option to optout, they've been unable to verify that they are even authorized to collect a debt within the state they are attempting to Collect a debt in.
09/30/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33446	Web
I have received letters in the mail from : Spring Oaks Capital , LLC in Virginia trying to collect monies. I have never done business with this company, nor have I ever signed a contract with them. I have been receiving threatening phone calls from XXXX and letters from these people. They now have 2 collections showing on my different credit reports, claiming that I owe them money, which I don't. The 2 banks they are telling me they work for happen to be 2 banks that I have current accounts with, both in good standing, never late on any payments, no issues. I'm XXXX XXXX XXXX and scared that they will ruin my credit or do something worse to my life. I have reported Spring Oaks Capital , LLC to the XXXX, filed a complaint.
08/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NH 03079	Web
I received a debt collection letter for a credit card from XXXXXXXX XXXX.I don't believe i opened this credit card, I asked them for proof of debt XX/XX/2022, they provided me with the last 2 statements, which showed only the amount owed {$610.00}. I asked for the application and all statements in XXXX XXXXThey did not provide the application just the statements. In XX/XX/2022 I asked again for the application. They stated they can not send me the application. This is non-compliance. If you're trying to collect a debt owed, you should be able to provide all documents on the account. No payment was ever made on this account so I am unable to prove it was my debt, as I would've at least made payments to this credit card.
04/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63031	Web	Servicemember
Spring Oaks Capital sent me a letter stating that I had 30 days to dispute a debt with their company. I sent a debt validation letter within the 30-day time frame and Spring Oaks did not submit proper verification. I was not sent an original contract or any documents bearing my signature that prove the debt is owed by me. Spring Oaks also marked on my credit reports that this dispute has been resolved. This dispute is not resolved. This dispute will not be resolved until Spring Oaks removes this collection from my credit account. Spring Oaks has violated the Fair Credit Reporting Act by reporting a debt to the credit bureaus that I do not owe. They also reported the debt before the end of the 30 day validation period.
09/05/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NV 89113	Web
After a review of my credit reports I found that Spring Oaks Capital is collecting on me for a debt that is not mine. It appears as if someone fraudulently opened an account with XXXX XXXX using my information. Ive reached out to XXXXXXXX XXXX but they said there was nothing they could do since the debt had already been forwarded to a third party. Prior to Spring Oaks capital reporting this erroneous debt, Ive never received any type of dunning letter or phone call in regards to this matter. Both actions violate my rights under the FDCPA. I can provide documentation that supports my claims of me never applying for a XXXX XXXX card. Documentation will only be presented in-person under the advice of legal council.
04/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 61822	Web
XXXX XXXX {$220.00} XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$1000.00} XXXX XXXXXXXX {$510.00} XXXX XXXX {$120.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX, XXXX {$630.00} XXXX XXXX XXXXXXXX {$680.00} XXXX XXXX XXXX {$700.00} Spring Oaks Capital {$730.00} XXXX XXXX XXXX {$810.00} In accordance with the Fair Credit Report Act. This creditor has violated my rights under 15 USC 1681 section 602 I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can nit furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
01/07/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 78363	Web
I had a XXXX XXXX account that went bad in XX/XX/. The account was sold to a company called Spring Oak Capital. This account only reports on my XXXX account because I reached out to XXXX and XXXX and they verified that the original account was past the statue of limitations for reporting. XXXX refuses to do anything about the report. Spring Oak calls my wifes number numerous times and bothering her at work saying they are gon na sue if we don't pay. The statue of limitations for Texas to sue is 4 years, and reporting is 7 years. They continue to harass us. When I tell them that they are outside of the law, they inform me I don't know what I'm talking about. Eventually I just hang up on them. And yet they still call.
11/05/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33319	Web
A derogatory remark from " Springs Oak capital '' appeared on my credit report in XXXX XXXX. They claim that I owe them {$6400.00} which-unbeknownst to me-is borrowed money from their company. Obviously, this struck me as odd because not only have I never heard of Springs Oak capital before but also because I was completely unaware of any debt with them. I have repeatedly attempted to get in touch with the company for more information, but all my attempts have been fruitless. After doing some additional research on the company, I found out that they are not licensed to collect debt from people living in Florida. Consequently, I am requesting that you remove this item from my credit report as soon as possible.
04/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 318XX	Web
I obtained a copy of my credit report from the major 3 credit bureaus to check the information within making sure that it was accurate according to USC title 15 ( 1681 ) 5. Ive waited over 30 days to receive the investigation results which everything was still reporting the exact information as the previous months. The credit reporting agencies XXXX, XXXX, and XXXX did not complete and modify or remove any of the items on my credit report. The primary information being reported are not correct such as the open date, date last active, date of payment history. These are violations of the Fair Credit Reporting Act, which is harming me from obtaining fundings to start a business and buy a home for my family.
02/28/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 430XX	Web
The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to approproate account informations. Its been more than 7 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
10/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 07305	Web
Please do a full search on my report It's spring oaks capital llc of a balance of XXXX XXXX last reported on my report was XX/XX/XXXX XXXX I'm asking please to remove this off my credit profile on my XXXX an on XXXX it's reporting on my XXXX XXXX profile. Also I have 4 hard inquiries on my XXXX XXXX that need to be remove I didn't not authorize anyone to pull my report, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX An XXXX XXXX XXXX XXXX XXXX XXXX Derogatory mark on my report XXXX XXXX The same two hard inquiry on my XXXX XXXX account is on my XXXX report XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Please delete these errors off my account
02/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 21157	Web
When I had this credit card and it was active, a purchase was made by someone that was NOT me, and I called the credit card company and told them I never shopped at the store that was being shown. That purchase that someone made using my card, set me over my credit limit. I sent the credit card company the paper they requested I fill out explaining what happened and how it wasnt me and they never did anything about it. I told them I was not making payments on my account until that fraudulent purchase came off- they never took it off and then eventually closed my account and sent it to collections. Which is where we are at with it now. This wasnt my fault and it is still negatively impacting my credit.
02/21/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DE 19702	Web
As a consumer and the natural and original creditor i have been violated by this company based on XXXX XXXX XXXX XXXX XXXX ( XXXX ) that i have to give written consent to report anything on my consumer report and i have no idea of this collection nor have i signed anything giving them permission to furnish a copy of my report or report negative accounts which is currently damaging my consumer report. I am demanding this account be deleted and removed from all consumer reporting agencies. Also i am attaching a validation of debt letter that i am demanding a copy of the ( original signed document ) attaching to to the alleged debt. Further legal litigation will be taken if these terms are not met!!!!!
12/28/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	MO 64052	Web
On XX/XX/XXXX I sent a certified letter to Spring Oaks Capital requesting validation of debt that company states that I owe as well as to cease all phone communications and instead provide me with written documentation only. I have never had a contract with this company nor the company that they state that they represent. The company in returned sent me a 1 page document via email which does not validate the debt as requested. Since XX/XX/XXXX Spring Oaks Capital has contacted me a total of 16 times by phone with the last 3 calls coming in today XX/XX/XXXX at XXXX XXXX, XXXX XXXX, and XXXX XXXX. This company is clearly ignoring my cease and desist letter which is a clear violation of my rights.
04/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 132XX	Web	Older American
In accordance with fair credit reportind act ... The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under.15 U SC 1681 XXXX XXXX # XXXX, has violated my right..15.U.S.C. 1681 section 602 A. states I have the right to privacy. 15 U.S.c 1681 section 604 A section 2 : it also state a consumer reporting agency can not furnish a account without my written instruction Thus this i highly injurious... ..Delete these account immediately unless you wany to be held 1,000 per volation ... ..spring oaks capitial llc XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also my spending is not XXXX the balance of my XXXX is wrong
05/22/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85323	Web
I recently discovered that someone had stolen my identity and used my personal information to open fraudulent accounts and make collections on my credit report. It has been a challenging experience that has had serious consequences on my credit score and financial well-being. I have taken immediate action to dispute the fraudulent accounts and collections, and I have reported the identity theft to the appropriate authorities. This has involved working with credit bureaus, banks, and law enforcement agencies to investigate the fraud and restore my credit report. It has been a stressful time, but I am doing everything I can to protect my identity and recover from the damage that has been done.
11/16/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	FL 33025	Web
Good evening, My name is XXXX XXXX. This year I was a victim of Identity Theft. It has put a huge strain on my life and has even led me to being evicted. I am trying desperately to remove all the fraudulent activities on my credit report. There is an account in my credit report from your company. I did not open this account and I have not used any goods connected to this account. This account is a direct result of IDENTITY THEFT. I ask you to please remove this account from my credit report and do a thorough investigation. I have been dealing with this for months and I just want this to be over. I have attached a PDF with all documents proving my identity. Please help. Thank you!
02/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33647	Web	Servicemember
On XX/XX/XXXX, and XX/XX/XXXX, I wrote to tell SPRING OAKS CAPITAL LLC AND XXXX XXXX XXXX XXXX to verify the items I had identified as inaccurate or incomplete in my credit report. Copies of my correspondence are attached for your review. SPRING OAKS CAPITAL LLC Account number : XXXX Since you have not given me names of persons you contacted for verification of the information, nor have you complied within the statutory time period ( 30 days ) to my request for verification, I assume that you have not been able to verify the information I have disputed. Therefore, you must comply with the provisions of the Fair Credit Reporting Act and drop the disputed items from my credit report.
01/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 147XX	Web
On XXXX XXXX I checked my credit karma and found a credit report from an unfamiliar company. Spring Oaks Capital LLC that an account opened in XXXX [ 3 months prior ] had a derogatory mark and {$1200.00} was sent to collections. The original creditor XXXX XXXX XXXX did not respond to any calls. Their phone went dead every single time I tried to contact customer service. The buisness is located in Ohio. I have never been there in my life and I live in New York. I have no clue how a credit line could be opened under my name without a single phone call or peice of mail sent to my house. I believe I am a victim of identity theft. I have not opened a credit card/line since XXXX. Please help.
08/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43160	Web
XXXX XXXX. AKA.. XXXX XXXX XXXX. Sold this Account to Spring Oaks Capital. I Mailed a Validation Letter to Spring Oaks Capital. I got No Response from them Then received a letter from XXXX XXXX stating that the Account was Sold to them from XXXX XXXX XXXX. I Contacted XXXX by Phone. Whom stated they had No Information with my Name nor Last 4 of my SS number. XXXX stated the Account was Sold to XXXX XXXX. All of these Debt Collectors have my Information my Data. My Credit report is Reporting XXXX in Collections and Spring Oaks in Collection. But Neither have the Account. On all 3 Credit Reports it states XXXX and Spring Oaks for the Same Account. That is illegal according to the FCRA
07/12/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OR 97301	Web
On XX/XX/XXXX I called Spring Oaks Capital about a debt from an XXXX card from 2019. The rep said I couldn't get detailed information on the account because I just submitted a dispute. Then I called today and asked for account information ( billing statements ) and was told I could receive them only if I submitted a dispute and that if I pulled the dispute I wouldn't be able to access that information. I read on your website that debt collectors are required to provide validation information. I spoke to a supervisor today ( operations manager last name XXXX ) who said the only way I can receive VI is to continue with the dispute. I believe this is illegal and she was stonewalling.
11/10/2023	Yes	Debt collection I do not know	Electronic communications Frequent or repeated messages	GA 30318	Web
I recently viewed my report and i was shocked to learn that i have 2 accounts with this company i had no knowledge of. I have been a victim of identity theft. I have found numerous accounts on my credit report that were not open by me. These items has been hurting my credit because Im in the process of buying a home for my family. Please remove these fraudulent items from my credit report as soon as possible. ACCOUNT 1 : AMOUNT {$1100.00} ORIGINAL CREDITOR ; XXXX XXXX XXXX XXXX ACCOUNT 2 : AMOUNT {$750.00} ORIGINAL CRED : XXXX XXXX XXXX XXXX I HAVE ASKED THEM TO VERIFY INFORMATION AND SIGNATURE MY HAND SIGNATURE ON FILE. AND TO VERIFY I GAVE THEM PERMISSION TO HAVE MY INFORMATION
12/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY XXXXX	Web
I am not liable for this debt with XXXX XXXX and do not have a contract with Spring Oaks Capita Account # XXXX They do not provide me with a validation of the debt. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
11/03/2023	Yes	Credit card General-purpose credit card or charge card	Improper use of your report Reporting company used your report improperly	NY 11208	Web
I am formally complaining against SPRING OAKS CAPITAL LLC I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). I have contacted SPRING OAKS CAPITAL LLC who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that SPRING OAKS CAPITAL LLC stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
10/14/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 279XX	Web
XXXX is reporting this information and I need this DELETED immediately. Other bureaus have removed this account. They are reporting two separate account numbers with two different balances. They are reporting wrong dates and erroneous information. I have repeatedly asked this collector to verify this debt. Fifth time and nothing has been validated to what is needed as verification. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights. Remove fraudulent accounts from my credit report. I am trying to get my approval and this account is holding me back.
10/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30228	Web
This account recently appeared on my credit report, I sent them a debt validation letter on XX/XX/2021 as of today I have not received any documentation to prove these two debts are mine. In the US law encyclopedia, XXXX XXXX, XXXX XXXX XXXX XXXX. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
12/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA XXXXX	Web	Older American
Hello I was checking my credit report and I noticed a collection account which I attached a copy of below XX/XX/2021 I did not open any such account I don't even know what this is I disputed it on XXXX XXXX they gave me a result that it was verified which is impossible again I've had no communication from this company again I don't even know who they are or what this is and I did not open that account XX/XX/2021 SPRING OAKS CAPITAL LLC Last reported XX/XX/2021 {$470.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2021 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Original creditor name XXXX XXXX XXXX XXXX XXXX
05/05/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	DE 19904	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
05/17/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 177XX	Web
I am being contacted by Spring Oaks Capital numerous times a day since XXXX. I have attempted to settle the debt with them for less than what is owed due to the fact that I did not make the charges to the accounts they are attempting to collect on and I need them to stop calling me at my job OVER AND OVER AND OVER again daily. I just want to get rid of them, but they will not stop calling. The debts are very old and I have disputed them with the companies and I am sick of them jeopardizing my job and my mental health. I request that they cease and desist with all further activity since they are unwilling to negotiate and practice illegal collection practices.
09/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 752XX	Web
Spring Oaks Capital is illegally furnishing an account to my credit report. Please see the attached letter from the original creditor listing the correct balance and collection agency of the account. Springs Oaks is also calling me continuously and harassing me about a debt that I do not owe them. Please consider this letter as an official request for cessation of communication under the FDCPA. Failure to comply with this request will be a violation of the FDCPA, and I will have no choice but to pursue legal remedies available to me under the law. Delete the account SPRINGOAKCAP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit report immediately.
04/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75040	Web
SPRING OAK LLC ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my credit monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$870.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
05/31/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 17602	Web
Starting a few months ago, I began receiving calls from Spring Oaks Capital. The caller, apparently the same woman each time and calling from XXXX, starts by saying she's calling about a past due account with her organization, and she mentions XXXX or XXXX. I respond the same : It's not me. I've never borrowed from those places and never would. She then asks me to prove it by giving her my DOB. I tell her I'm not going to do that. It's not my responsibility to prove to her that she's looking for the wrong person. Each time she calls, we go through the same dance. I'm tired of it, and I sure hope you'd slap them with some kind of fine or whatever.
10/27/2021	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TN 37415	Web
I am not owing and can not pay {$1000.00} To XXXX XXXX that this debt collection agency is trying to collect after debt was sold to them. I do owe {$700.00} being XXXX XXXX waived the interest, my original balance owing was {$1800.00}. I can pay {$25.00} a month until the {$700.00} is paid because I am not working and it is hard being a single parent just trying to get food, keep the water, heat and the lights on Please accept payment terms on {$700.00} owed amount. Attached is the last payment made to XXXX XXXX before all XXXX broke loose called Covid-19. I am wanting the balance to be honored at {$700.00} and payment of {$25.00} a month to be accepted.
03/01/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	VA 20171	Web
XX/XX/XXXX Notified by XXXX that a collection account was placed on my credit report by Spring Oaks Capital LLC - referencing that the collection account was opened in XX/XX/XXXX XX/XX/XXXX Sent certified letter to Spring Oaks Capital LLC advising that the debt was not mine, and that I was never notified or advised of the debt in XXXX or to the current day XX/XX/XXXX Received a letter from Spring Oaks Capital LLC XXXX XX/XX/XXXX - attaching a copy of a statement, as well as court documents showing a sale of debt - with multiple redactions. My name or information is not referenced in the court documents- nor is a credit card statement evidence of debt.
06/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60803	Web
There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case SPRINGOAKCAP is attempting to collect as 12 XXXX BANK. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
04/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63031	Web	Servicemember
Spring Oaks Capital sent me a letter stating that I had 30 days to dispute a debt with their company. I sent a debt validation letter within the 30-day time frame and Spring Oaks did not submit proper verification. I was not sent an original contract or any documents bearing my signature that prove the debt is owed by me. Spring Oaks also marked on my credit reports that this dispute has been resolved. This dispute is not resolved. This dispute will not be resolved until Spring Oaks removes this collection from my credit account. Spring Oaks has violated the Fair Credit Reporting Act by reporting a debt to the credit bureaus that I do not owe.
09/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75040	Web
SPRINGS OAKS CAPITAL is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$140.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
09/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KY 410XX	Web
Third party creditors on my report dont no how they got my information nor did I give my consent I ask for the original contract I have an they yet to show me poof of that so I would like all third parties collection agencies removed please 623 ( a ) ( 7 ) 15 U.S.C. 1681s2 621 15 U.S.C. 1681 did not receive a Model XXXX XXXX XXXX notice!!! 15 USC 1692 ( D ) 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) 15 U.S.C1692c 15 USC 1681a ( 2 ) ( a ) ( i ) 15 USC 1666 The right to erasure Articles 17 & 19 of the GDPR Pursuant 15 USC {$16000.00} 2 ( A ) i )
02/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	CA 91910	Web
This account is reporting inaccurately & incorrectly on my report. I have the same account reporting as PAID with no balance and positively however they have reported a DUPLICATE account that is reporting with balance & charged off. This account is severely impacting my scores and needs to be removed as soon as possible. I have reached out to the bureaus & creditors MANY times but have reached no resolution. They are violating my rights under the FCRA. And definitely adding up to the burden of the COVID 19 pandemic to my life. I feel disheartened knowing that I have been trying to resolve this and get no resolution at all, Please help me.
10/01/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MD 21239	Web
I was alert on my credit report that I own XXXX to credit card that I never had I phone Spring spring oak .they said I own XXXX credit card that took place in XXXX and I was report in XXXX to them I asked them to send me statements with my signature to my address next they start emailing me instead of submitting the statement all the email said was I own them and no statements or my address they claim that they are going garnishment my check but I have not gone to court and I m not aware of this .plus why wasn't I contacted back in XXXX why now .I have no money I only have money for my rent .I am not giving these ppl nothing this the XXXX
05/24/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NJ 08021	Web
Spring Oaks Capital LLC has continued to openly participate in illegal debt collection, extortion, and racketeering with XXXX XXXX Spring Oaks Capital LLC has a non-certified copy of a contract purchased from XXXX, as well as a copy of an electronic image of a promissory note purchased with the intent to deceive with a security of the United States . I attempted to resolve this issue with them several times but they refused to cooperate. Their activities have created actual damage and have harmed my credit reputation and personal reputation. All I was asking is for a permanent removal from all consumer reports. Reference number # XXXX a
11/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77064	Web	Servicemember
Inaccurate and defamatory information is being reported on my credit report. I have made several attempts to contact this company to update my credit report by deleting all negative unverified and inaccurate information from my file. My first letter was signed and received by them on XX/XX/2022. I received no response. I then mailed a second letter validation letter, which they received on XX/XX/2022. I have given well over 30 days for the company to verify this erroneous information with no proof in sight. How is it possible for them to continue reporting clearly unverified, invalidated, and inaccurate information to my credit report?
09/23/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	VA 23323	Web	Servicemember
On XX/XX/2022, I filed a XXXX XXXX XXXX complaint - case # XXXX against : Spring Oaks Capital , LLC XXXX XXXX XXXX XXXX Va XXXX The amount of the debt I am alleged to owe is in the amount of {$670.00}, however, the proof was provided in my XXXX XXXX XXXX complaint this amount account had been paid to the original creditor and reported to XXXX Credit Bureau as paid on my credit file. In addition, I inform XXXX XXXX XXXX of this and provided the same details as I provided to the XXXX showing that my account was paid in full with the original creditor but they continue to report and harass me via my email- which I never gave to them.
12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20020	Web
Per the fcra as a federally protected consumer I am opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, non-verbal per 15 USC 6802. 15 U.S. Code 6805 - Enforcement Subject to subtitle B of theConsumer Financial Protection Act of 2010 [ 12 U.S.C. 5511et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau ofConsumerFinancial Protection, theFederal functional regulators, the State insurance authorities, and theFederal Trade Commissionwith respect tofinancial institutionsand other persons subject to their jurisdiction under applicable law.
11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32771	Web
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX To whom it may concern : Today is XX/XX/2023 and this is my formal written request for you to cease contact with me regarding : Account Number : XXXX I refuse to pay this debt or any other debt that you have in or associated with my name. So PLEASE STOP CALLING ME, OR SENDING ME LETTERS! Once again! I am informing you to cease all contact with me or anyone else about this claimed debt. Accordingly, under 15 U.S.C. Sec. 1692c, this is my formal notice that I REFUSE TO PAY and for you to CEASE all further communications with me. Sincerely XXXX XXXX
05/04/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 331XX	Web	Servicemember
I received a letter from Spring Oaks Capital attempting to collect a debt in the amount of {$640.00} that they claim they own. I was told that I had until XX/XX/2022 to dispute the debt. I sent them a letter on XX/XX/2022 and requested verification and documentation of this debt. From my understanding, they must stop collection on any amount I dispute until they send me the information that shows I owe this debt. I am not understanding why this account is listed on my XXXX credit report as I have not received a response at all from Spring Oaks Capital and it has now been a month since I sent a validation request to this company.
11/22/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 11213	Web
I was told that this card was open back in 2017 for the amount of {$300.00}. by XXXX XXXX CARD. THIS debt was bought and sold to Spring Oaks Capital LLC. I have repeatedly asked them for a copy or proof that I have sign for anything, something. Spring Oak has not provided me with a copy of my signature on anything. without my signature there is no proof that this card belongs to me because I have never opened this credit card. I have sent written note and mail to them but to no avail. this is still on my credit report, and I would like to have it removed. this is affecting my everyday life of applying for a loan of lower rate.
01/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76006	Web
PLEASE SEE THE ATTACHED LETTER THAT WAS SENT LAST MONTH TO SPRING OAKS CAPITAL. I AM ASKING FOR VALIDATION BECUASE THIS ACCOUNT DOES NOT LOOK FAMILIAR TO ME AND I HAVE BEEN COMPENSATED FOR A DATA BREACH SO THIS MAY BE THE CASE. ALSO, I DONT SEE THAT SPRING OAKS CAPITAL IS LICENSED IN THE STATE OF TEXAS TO COLLECT DEBT. I CAN BE WRONG BUT PLEASE REFER TO THE LETTER AND PROVIDE THE REQUIRED INFORMATION. IF NOT, PLEASE CONTACT THE BUREAUS TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS IMMEDIATELY. EITHER WAY, I AM EXPECTING A RESPONSE REGARDING THIS ACCOUNT. PLEASE SEE THE ATTACHED LETTER DATED AND TIME STAMPED FOR YOUR REFERENCE.
01/23/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	LA 701XX	Web
XX/XX/XXXX I reached out to Spring oaks capital and XXXX about fraudulent credit cards opened using my information I have yet to receive call email letter or text about the status of their investigation and try to remove fee of {$2000.00} opened with debt collector Spring Oaks Capital in XX/XX/2022. I have tried calling the respective agencies and have had no further update on the matter. I have tried filling police reports in XXXX XXXX where I live and in XXXX XXXX tn where the fraud address are located. The XXXX accounts do have phone number and emails attached to them that have been told to me but have not been written down
01/06/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	SC 291XX	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
12/30/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43229	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
01/23/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 34472	Web
During the XXXX season of XXXX I XXXX XXXX the consumer and natural person alive and living received communication from a third party debt collector Spring Oaks Capital alleging XXXX XXXX owes {$210.00} XXXX This alleged debt had already been disputed and thus removed from my credit reports thru cease and desist with XXXX XXXX. I have no consumer credit transactions with Spring Oaks Capital and did not give Spring Oaks Capital permission to contact me or anyone else about this alleged debt owed. On XX/XX/XXXX Spring Oaks Capital communicated to CRA 's of alleged debt and it impacted my XXXXedit score in a negative manner.
10/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77373	Web
I discovered Spring Oaks Capital LLC posted a collections account on my transunion credit report. They listed a balance of {$790.00} opened on XX/XX/2021. This information is false and fraudulent and I have not heard of this company. Reading the original debt collector name as XXXX XXXX, I recognize this was a previous collection account that was deleted because it was fraudulent. Now they have come back as a new company. The XXXX XXXX collection account was deleted and resolve 6 years ago as fraud, now they have come back as a new company and reporting a new account opening in 2021 with the same fraudulent information.
02/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 708XX	Web
I pulled my credit reports today, XX/XX/XXXX, and noticed fraudulent activity. There should be no accounts, only my student loans. Earlier, I called the account creditors to let them know these are fraudulent accounts. The accounts are listed below. - XXXX XXXX in the amount of {$3700.00} was opened on XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX. XXXX XXXX XXXX for {$610.00} date opened is unknown. XXXX XXXX for {$4800.00} dated opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$1400.00} date opened unknown. XXXX XXXX XXXX XXXX XXXX the amount of {$910.00} date opened unknown I did not open these accounts.
04/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	NJ 07305	Web
I sent a letter to Spring oaks XXXX asking for : 1-validation of the debt-that is, the actual accounting. 2-Verification of a signed invoice 3-a copy of the Contract binding both parties, in a letter, by " certified mail '' so that there is an independent " witness to it having been delivered '' However according to 15 USC 1692e, 15 USC 1692d, and 15 USC 1692B. not use any language or symbol on any envelop or on the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that communication relates to the collection of a debt,
02/05/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NC 27215	Web
To whom it may concern concern. I have been disputing a debt in the amount of {$560.00} that was never mine with a company called " SPRING OAKS CAPITAL LLC. '' Original creditor was " XXXX XXXX XXXX, '' which before they first contacted me I had never heard of. I have only ever received one phone call from them, and I have been asking for a verification letter, hard copy signature, and / or proof that it is my debt since XX/XX/XXXX. I resubmitted a dispute again on XX/XX/XXXX. I have not received one phone call or letter since that time. I have given them 60 days, which is 30 days longer than allowed by law.
10/20/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94601	Web
I have repeatedly attempted to get this company to delete this fraudulent debt off my credit report. I have asked them to send me a copy of the original signed contract and they have failed to do so. By law they need to produce an original contract with my signature. This has gone on long enough If they dont delete I will hire a lawyer and sue them for this fraudulent depth. They have also lied about sending my some sort of fraud paper work. It has never been sent to me. I have filed a police report and took all the steps to get this off of my report. Delete this fraudulent charge off of my report immediately.
06/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44128	Web
On XXXX XXXX collection agency ( Spring Oaks Capital LLC ) add a derogatory mark on my credit report per XXXX Upon, further research, this account was transferred/sold and i am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there is No written communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it mines. According to the FCRA. ( Spring Oaks Capital LLC ) has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.
08/23/2022	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	SC XXXXX	Web
I believe that XXXX XXXX is erroneously reporting the amount of debt on my credit report and have added fees/ charges they are not entitled to receive, resulting in a higher balance for me. The account has been forwarded to a collection agency ( Spring Oaks Capital ) so is negatively impacting my credit. I've tried to pay a fair amount to settle the account ( {$600.00} ) but they won't accept it. I've called the collection agency multiple times and XXXX tells me they can't adjust the amount. I'm willing to settle for {$600.00} but I don't feel it's right to have to pay the extra charges they chose to add on.
02/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 35226	Web
I disputed this Spring Oaks Capital LLC collections with XXXX XXXX XXXX and informed XXXX XXXX XXXX that the account was opened with Spring Oaks Capital LLC fraudulently. Also reported that this collection account was showing as a open account on my credit report and shows a past due amount. XXXX did not remove the inaccurate item instead stated in the comments dispute resolved, customer disagrees. See attached files below to show this item showing on my XXXX credit report. I never opened any credit account of any sort with Spring Oaks Capital LLC and account should be removed from my XXXX Credit Report
06/07/2023	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	DE 19702	Web
I have received numerous calls from Spring Oaks Capital over the past two years for a debt they have reported to my credit. In an attempt to get the credit reporting removed, I have made several attempts to settle this matter. Spring Oaks has repeatedly offered one settlement amount and when I attempt to pay they increase the amount due by {$700.00} or more. These tactics are not legal. I have already paid over {$1500.00} to Spring Oaks and I am taking steps to get this illegal reporting removed and do not and have never given Spring Oaks permission to access my personal information.
04/10/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	VA 23455	Web
I sent a letter to and Springs Oaks Capital for XXXX of the debt that is the actual accounting Verification of sans invoice A contract binding both parties you and them in a letter by certified mail so there is the independent witness to having it being delivered According to the 15 USC 1692e 15 USC 1692d, and 15 USC 1692B Not use any language or symbols on an interval envelope or in the contents of any communication affected by mail or telegram that in the case that the dead collector is in the debt collection business or that the communication or relates to the collection of a debt
06/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 34761	Web
This is a formal complaint against Spring Oaks Capital. Pursuant to federal law, this debt has never been validated, please remove it from my consumer credit report. The furnishing of this information is false and misleading credit information. I never validated nor authorized this alleged account to be reported on my consumer report. Attached below are supporting documents. A letter was sent to the company requesting the validation of the alleged debt. No action has been taken. I also have attached a confirmation of correspondence arrival & ready for pickup via USPS certified mail.
11/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11735	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
03/26/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34205	Web
Springs Oaks Capital LLC has been reporting false information to the credit report of the XXXX XXXXXXXX XXXX. As an authorized representative I have sent multiple letters requesting the validity of any debts that may be owed as well as copies of any contracts signed by the authorized representative. The have gone unresponsive and continue to report inaccurate information to the credit report without any consent. If this continues I will be forced to take legal action as this is identity theft and defamation of character. The XXXX XXXX XXXX has no contracts with this company.
02/24/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NC 28105	Web
i had a credit card with XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX. they gave me a balance of {$300.00} in XXXX of 2020 i paid the balance in full and closed the account. now a company by the name of spring oaks capital is trying to collect for {$470.00} indigo has tacked on illegally additional amounts after the card was close and sold it to the above company. i believe this to be fraud on both parts. iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Spring Oaks Capital XXXX XXXX XXXX, XXXX XXXX XXXX VA, XXXX Acct # XXXX reference # XXXX this is fraud.
01/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 295XX	Web
This debt is from Spring Oaks Capital and I have disputed this at least 7 or 8 times. I informed them it wasn't mine I send paperwork stating I filed fraud with the credit companies but the IRS too and yet they continue to do nothing. As of yesterday now it states the account was opened in XX/XX/2021. I have had my whole identity stolen this whole situation has been a night mare and the stress with this company is unbearable. It states the amount as XXXX I have no idea what this is. But I have read several complaints about this company doing the same thing to other people.
10/28/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	OH 43068	Web
After carefully reviewing my credit report, Spring Oaks Capital LLC has listed a collection account for {$610.00} for acct. # XXXX. I never received any communication from this company, right to dispute, validity of said debt. I've never done business with them. I know my rights under the FCRA and this company is in violation. This account can't be 100 % accurate either as there are open dates and amounts that varies between the 3 bureaus. An account can't be opened on different days. I want the alleged accounts in question to be removed from my credit report immediately.
07/13/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 64068	Web	Servicemember
Spring Oaks Capital has contacted me via writing to acknowledge me of a debt that I supposedly oew to them, without an account number, a bank that I am not familiar with and will not respond to my requests for a full and complete debt validation letter. It is my understanding that because they are a XXXX party collector, they are unable to complete this type of request because there are no contracts between them and myself. In good faith, I reached out ad offered to settle the account because the negative marks hinder my score. They do not respond to any of my mailings.
07/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33351	Web
Spring Oaks Capital is sending letters to me in regards to a debt that wasn't opened by me. I asked them to send me a copy of my id not a history of payment that was made by someone who opened an account in my name. That doesn't show that that I opened the account. You can buy a closed account and expect me to pay for it because the creditors didn't protect me and allowed someone to open an account in my name. I understand that they bought this account for pennies and trying to collect {$900.00} from me. I have no contract with this company and I will not be paying this
11/23/2021	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	MO 64152	Web
I noticed this account on my credit report and I did not recognized the debt. The collection account numbers, amount owed and company are not consistent with any records I have, I've sent XXXX certified debt validation letters to the company one mailed XX/XX/2021 and the other mailed XX/XX/2021. I have gotten XXXX response from the company, but according to the credit bureau they have " verified '' this account. How is this account verified when the company has failed to validate the debt with me. I have yet to receive a written reply to the letters that were mailed.
07/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 75071	Web
I have sent Spring Oak Capital LLC a certified green receipt for 1006.34 Validation request letter, which that have signed and received on XX/XX/2022. I have not heard or received any thing in regard to my request. I have also called XXXX and advise them that per 1006.34 ( b ) ( 5 ), Spring Oak has not responded or followed the law that has been put in place for validation of debt. I am following the laws that have been put in place for debt collection and the credit reporting agencies to follow, which now debt collector or credit reporting agencies have been doing.
12/30/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32824	Web
this company have been continually calling me and once I told them to stop, they started to email me. I have explained to them several times, that I did NOT open this credit card. Even the name of the company is suspicious. I have other credit cards, that are in good standing, and I have asked them to provide me with a contract, a statement that itemize where I spent the " suppose '' money and they have never responded, just trying to settle the debt. It is also curious for me that it has been removed from XXXX, and XXXX, but they continue to report it to XXXX.
05/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA XXXXX	Web	Servicemember
A COMPANY BY THE NAME OF SPRING OAKS CAPITAL AS OF XX/XX/22 IS REPORTING A DEBT THAT SUPPOSENDTLY OWE BY ME IN THE AMOUNT OF XXXX DOLLARS. I DO NOT KNOW WHO THESE PEOPLE ARE AND I DO NOT OWE ANY XXXX DEBT! I HAVE NEVER RECIVED ANYTHING IN THE MAIL NOR E-MAIL FROM THESE PEOPLE REGAURDING THIS!! IN THE PAST IVE HAD ID THEFT HAPPEN BUT THAT WAS A FEW YEARS AGO. THIS IS 100 % NOT MY DEBT AND THEY NEED TO REMOVE THIS FRAUD ASAP. MY INFO IS AS FOLLOWS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IF THEY WANT TO REACH OUT TO ME THEN SO BE IT. MY SSN IS XXXX
04/05/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	VT 05452	Web
I have made many attempts to make lower settlement as they bought account. I originally owed XXXX on account that had a XXXX credit limit. Debt collector is not willing to go less than {$740.00}. The original cardholder wouldnt accept a payment from a new bank account. Ive have specified I can not afford the full amount, and they said they will continue to report me weekly to credit bureaus until its paid in full. My credit is so damaged from a new collections every month. This is originally XXXX XXXX XXXX XXXX XXXX. Now held with spring oaks capital llc.
06/16/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	AL 36575	Web
They call me sometimes XXXX times a day from various numbers. When I call them back a voicemail from another company comes up, such as XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. I owed a small debt to XXXX XXXX XXXX that closed in XXXX and now that has been removed from the credit bureau but XXXX XXXX shows up with an opening date of XXXX. I have asked them to stop calling, disputed the dates on my credit report, blocked numerous numbers, but they continue to call me multiple times every day. I've researched them and it seems they are habitual offenders.
06/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 10459	Web
Spring oak capital claims to XXXX XXXX that I owe a debt from XXXX XXXX XXXX opened on XX/XX/2019. I never opened a card with this bank in XXXX and Im disputing this debt, the statements they attached to the XXXX XXXX response has an address I never lived in, I never lived in the XXXX XXXX XXXX and live in the XXXXXXXX XXXX XXXX XXXX and live in an accessible building since XX/XX/2019 on a XXXX XXXX which would make it impossible for me to have opened any cards at that address at that time period. Please remove this fraudulent account off my report.
11/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 152XX	Web
I have on several occasions reached out to ask this company to verify a debt, they claim belongs to me as me and my son have the same name. He is a junior and I am senior. Thye continue to say its verified and I ask for something to prove this. I have yet to receive anything from them. Please send something verifying that this account belongs to me or remove it from all my credit reports. Please do not continue to ignore this request. I dont want something on my credit report that doesnt belong to meet and continues to hurt my credit. Account XXXX
10/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 331XX	Web
Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
11/01/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29072	Web	Servicemember
a company called Spring Oak Cap ( capital ) representing with XXXXXXXX XXXX is, state the same derogatory collections account on my credit report from XXXXXXXX XXXX is posting information on my credit and public information that I do not own or have had dealing with. XXXXXXXX XXXX XXXX, This account says it was started in XXXX and last active in XX/XX/XXXX. I have not had dealings with a company called XXXXXXXX XXXX. This company was also again found under another company claiming they represent them and saying similiar open account dates.
07/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19131	Web
The collection agency continue to open claims that already been closed. Spring Oaks Capital LLC had reopen a claim that was closed. This was the company XXXX XXXX XXXX XXXX. I had paid this company more then what I used. They continue to say I owe them {$610.00}. I explained that to the collection agency but they continue to keep it on. It is against the law for anybody to share your personal information even to sale your information to anybody without ones acknowledgement. I'm asking that this be removed from all 3 credit bureau. Thank You!
11/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	NY 12901	Web	Servicemember
XXXX XXXX XXXX, XXXX XXXX XXXX and Spring Oaks Capital LLC has fraudulently reported my personal information to credit reporting agencies, In accordance with the FAIR CREDIT REPORTING ACT this creditor has violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. USC 15 1666b A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose
10/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 36116	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
09/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33614	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
02/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78660	Web
since the beginning of XXXX of 2022 I sent correspondence every month asking for this company to validate this debt by sending the original agreement and a audit trail of all interactions with this company. I understand that this is my right as a consumer to request this information and if it is not sent to me i have the right to request this account be completely removed. The company continues to send automated correspondence of them acknowledging that they received my request as if my info is being read from a computer not a person.
12/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92651	Web
This company continues to violate the consumer, i've specifically requested VALIDATION and the company has failed to adequately do so by the guidelines that have been established in the FAIR CREDIT REPORTING ACT. Ive requested original instrument ( s ) and any thing with an actual signature and still nothing. As u would like to avoid litigation, i once again am giving this company the opportunity to do the right thing, Cease and Desist, which would include the reporting of this fraudulent information to the Credit Reporting Agencies.
03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 152XX	Web
I have had issues with Spring Oaks in the past about reporting wrong information on my credit report in the past. The claim to have bought a debt from XXXX Bank that belongs to me but have re aged this debt to continue to ruin my credit for financial gain. XXXX is reporting that this account was closed by XXXX in XX/XX/XXXX. But Spring Oaks is saying this account was opened as new in XX/XX/XXXX. This is a flat out lie! Please have this account removed from my report for inaccurate reporting from both of them. Please see attached.
09/02/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33610	Web
On XXXX XXXX, 2022 I spoke with XXXX XXXX on behalf of XXXX XXXX of SpringOak Capital about a debt showing on my credit report. XXXX told me, the contract for my debt has been sold from XXXX XXXX Bank to Spring oak capital, without my consent. I demand the ORIGINAL contract agreement that I signed giving consent to my debt being sold be sent over to me immediately. This is not the first letter or complaint filed with this company. Please see attached. XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2022
10/16/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	LA 71201	Web
On XX/XX/XXXX, I received a notification that my credit score has changed due to a collection. I logged into my XXXX XXXX account and saw a collection from Spring Oaks Captial LLC for {$570.00} dollars. I contacted the company and informed them that I have no knowledge of this account. The representative claims that she will not only mail me a letter explaining the charge but also email it to me. As of today, XX/XX/XXXX, I haven't received anything from this agency explaining this debt on my account. I want this removed immediately.
02/24/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08012	Web
I already have disputed this account multiple times for the last 6 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.
04/08/2022	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	OH 43160	Web
Ive been struggling with all 3 credit bureaus on My legal name change and now this Account problem all 3 of my Accounts have a Listed Account XXXX XXXX that has been charged off 4 years ago and Spring Oaks LLC is listed on my Credit Report also. Same Debt Duplicate Debt listed Ive contacted XXXX they will not remove it. Spring Oaks LLC states that they bought the debt from XXXX XXXX.who purchased the Debt from XXXX This is Destroying my Credit the FCRA states this is illegal please delete both accounts for Violation of The FCRA
11/08/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	OH 43230	Web
I noticed a collection was posted on my credit report. On XX/XX/2020 I wrote to the purported creditor ( XXXX - XXXX XXXX ) as per attached letter, requesting validation, but up till now I did not receive any response. Spring Oaks Capital LLC, harasses me with e-mails and phone calls for the collection of this ghost debt. I have called them several times explaining to them that I have no knowledge of this debt and they should send me evidence that I owe them {$1.00} XXXX, but to no avail. They are really driving me crazy.
02/08/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 12601	Web
On XX/XX/XXXX2021, I noticed an account on my credit reports that I did not recognize from Spring Oaks Capital LLC. I realized I had never received a notice of the right to dispute regarding these collections. That same day, I sent Spring Oaks Capital LLC a letter to validate the account. I have a certified return receipt that was picked up on XX/XX/XXXX. In the 30 days that followed I did not receive any documentation validating this debt. As of today, XX/XX/XXXX I have not received any documentation validating this account.
07/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 304XX	Web
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
10/24/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	GA 30741	Web
XXXX XXXX is the original debtor who turned me over to a collection agency called Spring Oaks Capitol, LLC. The balance is XXXX. The agreement was stated that if I paid XXXX they would write off the balance. I did pay the XXXX did not receive anything in writing of the agreement and they continue to hit my credit ever month for the last 8 years. The original debt is 7 years old but the collection agency has 3 years and 24 months. I am asking that this account be closed with good standing and removed from my credit report.
11/30/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	DE 19977	Web
Spring Oaks Capital that bought an alleged account with XXXX Bank has put an account on my credit file that does not belong to me. I have never received a dunning notice or a letter stating that I owe this debt. According to the FDCPA a creditor must send a dunning letter and allow the consumer to respond within 30 days. On XX/XX/2021 I sent a debt validation letter and asked that they send me proof that the debt belongs to me. They received the certified letter as of XX/XX/2021. As of XX/XX/2021 they have not responded.
08/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 95747	Web
There is an account being reported on my account from Spring Oaks. I called the phone # listed and they told me they do not have the account and referred me to another company and phone #. When I call that number it is messaging service that no one answers. I called back to the original number and was provided another phone number to another company who states that they do not have the account. XXXX XXXX XXXX I have been trying to get information about this account to resolve it for over two months with no resolution.
05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29732	Web
Ive reached out to this company to get clarification on the item that they reported on my credit. I never received any documentation from them in writing, and dont know who or what this company is and the item they are claiming is mine. This is in violation of my consumer rights and I will be seeking legal advice and/or pursuing to seek legal actions against this company for the inaccurate information that is being reported and hurting my credit. This has caused great stress on me mentally, emotionally and financially.
01/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11213	Web
XXXX, Spring Oaks Capital LLC and XXXX XXXX XXXX are reporting inaccurate data to my consumer report. SPRING OAKS CAPITAL LLC- Original Creditor : XXXX XXXX XXXX XXXX OPEN Balance {$650.00}. Acct Status : OPEN. Remarks : Dispute Resolved and Customer disagree. ( should this be taken as it's perfectly fine to continue to furnish and park inaccurate data on my personal consumer report ). I disagree by reason of FCRA law, and according to FCRA Law an account can not be reporting Open and In Collection at the same time.
10/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92225	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX, XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
03/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89015	Web
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to XXXX credit bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them, that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act Law. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : SPRINGOAKCAP XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300.00}
03/10/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	LA 70601	Web
SPRING OAKS CAPITAL has placed a derogatory account on my credit report. I sent for the debt to be verified as I have never done business with this company before. After I disputed the information it came back as validated but I was not provided an explanation of how the debt was validated. The company is also showing that the account is open and active and that is incorrect as well. I have never opened an account with them and it is inaccurately reporting on my credit report resulting in a lower credit profile.
11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO XXXXX	Web
I honestly have no knowledge of this alleged debt, a few years ago my identification was stolen, I have contacted the consumer but I cant get any help from them 1.spring oaks capital LLC XX/XX/XXXX Amount {$8100.00} XXXX XXXX XX/XX/XXXX Amount {$560.00} XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX I have sent them several letters stating that I dont know anything about this debt and yet I have not received anything nor has it been removed from my credit report.I also contacted all three credit bureaus
07/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33614	Web
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
07/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33033	Web
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
07/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33614	Web
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60615	Web
I am stating that I have not received any communication from the debt collector regarding the alleged debt. Their failure to contact me directly has caused confusion and concern. I request a thorough investigation to verify the debt 's legitimacy and protect my consumer rights. I urge the debt collector to adhere to relevant regulations and demonstrate due diligence before taking further actions. I seek a fair resolution that allows me to address any valid concerns and upholds my rights as a consumer.
09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30339	Web
To whom it may concern, I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now affecting my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who opened the account in my name and give those details to them rather than me. Kindly help me in solving this.
12/08/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TN 380XX	Web
My information was involved in the XXXX XXXX XXXX. I have requested several times for proof of debt and original contract. Account showing on XXXX and resolved and documentation was not received. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided. Due to identity theft this should be removed.
10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75206	Web
I have not supplied proof under the doctrine of estoppel by silence. XXXX v. XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. My personal information has been stolen and sold to consumer reporting agencies therefore I am a victim of identity theft. I have tried disputing such claims however nothing has been done. This is effecting my reputation and everyday living. Pursuant to 15 USC 1681a ( d ), 15 USC 1602 ( L )
01/20/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NJ 08021	Web
In order to contact me or any other third party regarding an alleged debt, Spring Oaks Capital LLC must have my prior express agreement. In which they did not have my direct permission to do so. After I instructed them to stop all communication, they continued to provide and disclose inaccurate information to consumer reporting agencies. Reporting to consumer reporting agencies, the mail, the courts, or any other kind of communication is all considered communication and violation of the FDCPA.
03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 245XX	Web
In accordance with the fair credit reporting act, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Spring Oaks Capital LLC, and XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
12/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	LA 711XX	Web
I got a derogatory mark on my credit report stating this account got sent to collections. However, I don't have no knowledge of this debt and, that it doesn't belong to me. I'm victim of identity theft. I would like to address this immediately and get this negative remark remove from my report. The account was removed and now has being reinserted back onto my credit report without my knowledge of this account. I've proof of account showing deleted and reappearing SPRING OAKS CAPITAL LLC
05/05/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TN 37086	Web	Servicemember
I contacted Spring Oaks Capital and disputed and requested validation of the debt. Spring Oaks received a certified letter on XX/XX/2021. Spring Oaks did not mark the account as disputed and violated my rights under FDCPA. I notified Spring Oaks gave them a copy of my credit report and requested deletion due to violation and non compliance. Spring Oaks received my certified letter on XX/XX/2021. Spring Oaks Capital have not complied with FDCPA and continue to violated my rights.
06/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OK 73132	Web
Upon receiving copies of my credit report I found this debt under XXXX XXXX XXXX Spring Oaks Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I do not recognize any of these. I requested debt validation and was sent back a copy of statements where the charges were in another country. I have not visited another country, nor do I have a passport to do so. I tried sending the companies a letter explaining this and have gotten no response. This is a fraudulent account.
06/20/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 710XX	Web
I am contacting you to request the deletion and removal of the accounts and associated information from my consumer report. The accounts and information mentioned below should not be included in my consumer report. This inclusion violates the FDCPA and FCRA, and it is imperative that these accounts and information be promptly deleted and removed from my consumer report to comply with the relevant laws. I kindly request an immediate removal of these accounts and information.
10/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19132	Web
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This was a corporate account and mistakenly reported on my profile. The XXXX Credit Bureau had their record-keeping been accurate, and no proof of payment history was provided. The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
09/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92651	Web
consumer is asking that this matter please be forwarded to the FTC for more thorough investigation as the company persistently violates the consumer with no remorse. This company has not sent the ORIGINAL INSTRUMENT OF INDEBTEDNESS and has refused to accurately and efficiently VALIDATE this debt and therefore, by law, it MUST BE DELETED. This is the last attempt on the consumers behalf to resolve this dispute in good faith before proceeding with civil court filing.
07/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CT 06002	Web
A company named Springs Oak Capital, LLC keeps texting me about paying a debt that I don't owe. The texts state that I owe XXXX XXXX payments on an account originated by XXXX XXXX XXXX. I've never purchased merchandise from XXXX XXXX nor have ever opened an account with XXXX XXXX XXXX Springs Oak Capital, LLC sent me texts on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23. The company 's phone number is XXXX. I've attached photos of the first text message.
09/02/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TN 37013	Web
I am in receipt of my credit report and found an account that is being reported incorrectly. The account is a collection agency named Spring Oaks Capital and the original creditor is XXXX XXXX. This account was paid off in full and this debt is no longer owed. Additionally this debt is now over seven years old and this lender has re-aged this debt. Additionally XXXX XXXX is reporting this account past the 7 year limit and is reporting this account incorrectly.
06/03/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 620XX	Web
These are medical debts and should have been covered through public aide/government insurance. I've disputed this plenty of times and this is the only thing on my report these XXXX companies. I attached screenshots of the companies from XXXX XXXX and you will see XXXX different scores for some reason and they have changed the name or something because the XXXX is new but I remember seeing these amounts before and I disputed and it was gone but it's back now
11/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 454XX	Web
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not sign any paperwork or have any type of agreement with XXXX XXXX XXXX, Spring oaks XXXX XXXX. I have recently been made aware that my identity was used around the same time frame. I never lived on XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My kids mother lived at that address. She has recently admitted to me that she opened. these accounts online
01/19/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60621	Web
This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
01/21/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 322XX	Web
On XXXX. XXXX, 2022. SPRING OAKS CAPITAL LLC OPENED A COLLECTION. Account -- {$880.00} that I owe. I have never signed any written document saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. I do not know who they are and have not written consent from my end. Also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureus. XXXX XXXX
04/09/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TN 382XX	Web
I received an email from XXXX saying that they sold an alleged debt to Spring Oaks Capital and that the debt is no longer in their hands. Spring Oaks Capital reported the alleged debt to other third parties as the creditor after the fact that the original creditor said that they have nothing to do with the collection of such debt. I disputed the debt and told them to cease contact due to their deceptive forms that were furnished. They have yet to do so.
02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23223	Web
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U. S. code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
11/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89183	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. XXXX XXXX Balance Owed : {$760.00}
01/15/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	GA 307XX	Web
Loan shows it was taking out in XXXX. Reported on my credit XX/XX/XXXX as an open loan. The loan was apparently closed in XXXX. XXXX XXXX XXXX says loan amount was for XXXX $ Reported debt on my credit for XXXX $ Never received any notices from the company, nor any letters from a debt collection agency addressing this debt. Never had a chance to dispute this debt as being in correct. This randomly popped up on my credit report as of XX/XX/XXXX.
08/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 34986	Web
In accordance with the fair credit Reporting act XXXX Account XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 State i have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
07/16/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Loan payment wasn't credited to your account	TN 383XX	Web	Servicemember
I did not authorize my account and information to be transferred to a third-party company. This loan to my acknowledge was paid in full by my bank at the time. I have not gotten any notifications from Spring Oaks Capital nor have I signed a contract with their establishment agreeing to any payment. Spring Oak Capital purchased the account for pennies on a dollar in hopes to collect on this account that was already paid in full through my bank.
09/08/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	LA 70043	Web
I ask Spring Oaks Capital LLC to email all information to my email address on XX/XX/2023, was told that they had emailed all relevant information to the email address on hand! no email was received nor have i received information, Disputed this with XXXX XXXX and Spring Oaks Capital Verified the debt with XXXX in less the 7 days! spoke with them again and still refused to verify, just stated that it was in dispute, but XXXX states other wise
04/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32209	Web
Spring Oaks Capital LLC is attempting to collect on a alleged debt that was deemed fraudulent from the Original Creditor XXXX XXXX. They claimed to validated the debt, but couldn't have because the Original Creditor would have told them it was closed due to them determining I never opened the account. Spring Oaks Capital is knowingly continuing and refusing to report unverified fraudulent information which is greatly affecting my livelihood
12/14/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 78251	Web
Today I received a notification on my credit report from this company for an alleged debt. I haven't done any transactions or communications with this company nor have I shared any of my personal private information with this company. They are violating my rights under FCRA and FDCPA invading my right to privacy and furnishing accounts without my consent or authorization. I would like for this account to be deleted removed and blocked asap
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 20191	Web
In accordance with the fair credit reporting act XXXX account # XXXX has violated my right 15 USC 1681 section 602 states that I have the right of privacy 15 USC 1681 section 604 A section 2 : It also states as a consumer reporting agent can not furnish a account without my written consent instructions 15 USC 1666B : A creditor may not treat payment on a credit card account under an open, and a consumer credit plan as late for a purpose.
09/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21122	Web
In accordance with the Fair Credit Reporting Act, Spring Oaks Capital LLC has violated my rights. 15 USC 1681 Section 602 States, I have the right to privacy. 15 USC 1692 Section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
06/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	SD 57104	Web
Spring Oaks Capital LLC is trying to collect on a discharged debt from XXXX. Ive asked for information to be sent to me regarding account over 60 days ago and still have not received the information request. Also asked that the remove the derogatory marking on credit report and they refused to do so. Ive also disputed this with all 3 credit bureaus and they keep saying we verified the information as accurate with the collection agency.
07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AZ 85301	Web	Servicemember
In accordance with the fair credit reporting act XXXX account number XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681, section 602 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b a creditor may not treat, a payment on a credit card account under an open and consumer credit plan as late for any purpose
03/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	ID 83814	Web
I checked my credit report and this was on it. I have no knowledge of this account I never had an account with this company. Ive tried to dispute it and it remains. XXXX XXXX XXXX XXXX {$350.00} Open balance 12 XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 1 yrs, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; reported by grantor Original creditor name 12 XXXX XXXX XXXX XXXX
06/22/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 37042	Web	Servicemember
SPRING OAKS CAPITAL SPV , LLC The company failed to provide the documentation requested to verify the debt that they tried to collect over 45 calendar days. The company 's resale of the debt that was unverified to XXXX XXXX account was closed, and the company was unable to provide proof of debt and return to Spring Oak Capital Spv LLC. I demand SPRING OAK CAPITAL SPV, LLC Remove the collection account on my credit report immediately.
04/30/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 189XX	Web
A collections account in the amount of {$12000.00} was put on my credit report. I contacted spring oaks capital LLC on XX/XX/2023 to attempt to set up a payment plan for this debt through email. They expressed they would pay for delete if I paid {$9200.00}. I discovered this debt is not mine as the previous company has already written this debt off as a loss and marked this on my credit report. Therefore, this debt has been settled.
03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 755XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the Right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor many not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
01/04/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI XXXXX	Web
Sent alleged debt to a local debt collector and was never notified of debt. Called after the left they left fake court papers at my brother 's house with little to no information. Called and spent days to try and get the information on the debt to find out it was an account that had charges that were not mine on it and disputed with original creditor as fraudulent charges and I thought was taken care of to find out this information.
07/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77040	Web
In accordance with fair credit reporting act Spring Oaks Capital LLC, has violated my rights. 15 USC1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 : ALSO STATES A CONSUMER REPOORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT A WRITTEN INSTRUCTIONS. 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURP [ OSED.
12/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	OH 452XX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
07/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23455	Web
Violation of my rights and they refuse to honor the law that has be set. Spring Oaks Capital LLC has denied my request 4 times and XXXX is Failing to comply 15 USC 1681 section 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section2 it also states consumer reporting agency can not furnish account without written instructions 15 USC 1681 section 603 ( 3 E ) I demand this account be remove immediately its be to long
03/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37912	Web
On XX/XX/2022 I noticed a negative account on my credit report from Spring Oaks Capital LLC. I mailed out a debt validation packet on XX/XX/2022 in a certified letter which was received and signed for by Spring Oaks Capital LLC on XX/XX/2022 at XXXX A.M. As of today XX/XX/2022 Spring Oaks Capital LLC has failed to validate the debt in a timely manner and is still illegally reporting this unverifiable debt to my XXXX credit report.
02/19/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	KY XXXXX	Web
XXXX needs to immediately stop trying to collect and report on this debt that is not owed and at no point ever did I owe the amount they are trying to collect. The account was resolved with XXXX XXXX. I sent an email requesting validation of the debt and no response was provided now about a year later they have started reporting the debt on my credit report of which it needs to be removed immediately or legal actions may be taken.
04/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 40258	Web
In accordance with the fair Credit reporting act XXXX account # XXXX has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
03/16/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	TN 38138	Web
I received a phone call from Spring Oaks Capital Oaks Capital late XX/XX/XXXX. I requested communication through mail. I received a collection letter XXXX {$8600.00} XXXX dated XX/XX/XXXX on XX/XX/XXXX. The letter stated that I had 30 days to dispute the debt. I responded via XXXX on XX/XX/XXXX, disputing the debt and requested debt validation. Spring Oaks ignored my request and reported the collection to the credit agency.
12/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 191XX	Web
As per my previous correspondence, I have sought a Debt Validation from your office and have allowed sufficient time for the submission of relevant documentation. My objective is to receive conclusive evidence establishing the validity of this purported debt. I remain unconvinced of my responsibility to settle this account and the associated creditor 's name, as I have no recollection of engaging with them in any capacity.
01/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY XXXXX	Web
XXXX XXXX states I have a Debt in the amount of {$3100.00} that I have no knowledge of. I have tried to dispute this prior and the response back from XXXX XXXX is that it was verified as accurate. No one has shown me proof or verification of what this is for. If this is a debt XXXX or Spring Oaks Capital LLC believes I owe then I must be provided with documentation on what it is, my signature and all applicable documents.
06/13/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89103	Web
my protected rights have been violated according to the fair credit reporting act and is also in violation of usc 15 1681 section 602 and 15 usc 1681 604a it also states consumer reporting agency can not furnish a account without my written instruction i do not have the account number on hand at this moment but i do have the names you can confirm once you look at the report those name will be on my XXXX spring oaks capital
11/01/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34953	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on SPRING OAKS CAPITAL LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	VA 24502	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
02/12/2023	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	MD 206XX	Web
The collection agency Spring Oaks LLC d demanded I sign up for auto pay or I pay in full or they will sue me. I felt lost and felt like I had to pay this collection debt. The debt is currently over $ XXXX from XXXXXXXX XXXX credit card. I told them I could not afford because of COVID. The debt collectors were not understanding and still demanded. They called multiple times a day. Never received any mail from them either.
05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 22802	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as lati purpose.
12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 076XX	Web
I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48021	Web
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 IT also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B A creditor may no treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
01/20/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 089XX	Web
An account was fraudulently opened in my name and has been causing a great deal of harm to my life ever since. This account has been misrepresenting my credit report for the last 3 years and has caused insurmountable losses physically, mentally, emotionally, and financially. I demand this account be removed immediately from my credit report as it violates my civil rights by showing misleading information to creditors.
08/04/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 31313	Web
Under XXXX. I have 3 collections causing my credit score to suffer. I have tried multiple times to have these removed to no end. Spring Oaks Capital for {$610.00} XXXX XXXX XXXX for {$580.00} XXXX XXXX XXXX for {$360.00} I would like to have these removed. TXXXX suggested I contact the Federal Trade Commission, so that brought me here. Any help is appreciated in these matters. Thank you in advance, XXXX XXXX XXXX
10/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 45042	Web
In accordance to the Fair Credit Act. These creditors have violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on credit card account under an open consumer credit event as late for any purpose.
06/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29108	Web	Servicemember
To whom this may concern, Your company said I allegedly owe you money. I willPAYunder one condition if you can provide : 1.Validation of the debt -- that is the actual accounting. 2.Verification of a signed Invoice. 3.A copy of the Contract binding both parties ( you and them ), in a letter by '' certified mail 'so that there is an independent '' witness to it having been delivered. '' Kind Regards, XXXX XXXX
01/30/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	ME 040XX	Web
orignal creditor was the XXXX XXXX XXXX this card has changed hands by several dept collection agencys several years ago you sent me a letter stating i did not have to pay this credit card company when i moved i lost the paper work plus im on social security and ssi so i do not feel i have to pay this company now spring oaks refuses to accept this account as agreed by you people that i didnt have to pay this
02/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33435	Web	Servicemember
This is not my account never used applied or know what card this is fraud called close remove it never opened this ruin my credit I want off my report please XXXX not right no authorization on there I didnt not apply or open please remove Ive disputed several times called try pay off fake amount this fraud and stealing money I have no idea who XXXX XXXX is thank you please remove Im trying refinance my house
09/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91325	Web	Servicemember
I believe my ex-wife opened an account without my knowledge. The account was put in collection and I have tried to dispute the account with the credit bureaus but the bureaus keep saying all account information was verified as mine. The problem Im facing now is that Im in a process of securing my security clearance with the department of state but this collection account is looking bad on my credit report
12/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33021	Web
When I checked my Credit report I noticed there were multiple unauthorized accounts that I were unaware of and that impact my credit negatively. Also due to 15 U.S Code 1681b which states that no credit reporting agency can furnish anything to your credit profile without any written signature from the consumer to whom it relates too. In which I have asked for this proof from these agencies multiple times.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 94804	Web
15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instrusctions. 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose. XX/XX/2022 - {$620.00} XXXX XXXX- {$300.00} XX/XX/2022 - {$6200.00}
05/24/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	AR 71603	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
05/16/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	NV 89052	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
05/09/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TX 77053	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
01/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 082XX	Web	Servicemember
On XX/XX/XXXX of XXXX, I brought to the credit report agencies attention that my information was being improperly reported by several closed accounts or unwarranted accounts and several inquiries. A violation of several XXXX laws as well as the IRS 's authority through the form XXXX. This report will play as added evidence for future arbitrary and punitive damages caused by these violations.
01/24/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web	Servicemember
I have received several mailings via USPS and phone calls and duplicate reports to the credit bureaus in reference to these alleged debts : Spring Oaks Capital LLC - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have requested many times that the debt be validated and only received a response saying that it's validated but I have no idea who validated the debt or how it was validated.
08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33030	Web
Spring oaks capital llc who's original creditor was XXXX XXXX and XXXX XXXX XXXX reported accounts I never opened with them, I asked them to provide me with the original contract that stated I owe debt and signed for the debt but they never presented me with it I've tried disputing these items but nothing ever happened, I'm asking that you help me get these accounts removed immediately
04/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27707	Web
In accordance with the fair credit Reporting Act XXXX XXXX # XXXX, has violented my rights.15 USC 1681 Section 602 State I have the right to privacy. 15 USC 681 section 2. It also state a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card under an open end consumer plan as late purpose.
11/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92557	Web
spring oaks capitol LLC opened XX/XX/22 {$2300.00} amount of collection XXXX reporting in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
08/29/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33067	Web
On XX/XX/2023 I sent a handwritten dispute letter to Spring Oaks Capital LLC, which was received on XX/XX/2023. In the amount of {$14000.00}. I still haven't heard from them yet. However, after future review of my credit report. Spring Oak Capital LLC, continue to report negative information on my credit report without providing any proof of debt or any contract bearing my signature.
05/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98004	Web
I disputed Spring Oaks Capital LLC collection account for {$940.00} on my XXXX report. this is not my account. In my dispute I requested them to provide proof of wet signature contract with my signature and if it could not provide or verification that per FCRA section 609 they need to delete account immediately. They were not able to verify account or provide wet signature contract.
10/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 932XX	Web
Spring Oaks Capital LLC purchased an account that used my personal information, without my knowledge, and that account was purchased from XXXX XXXX XXXX. It was opened XX/XX/XXXX and it is still open. The account information is being disputed, and it meets FCRA requirements. The balance the account currently has is {$560.00}. I was unaware of this account I believe it to be fraud.
04/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 145XX	Web
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX spring oak llc, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXXAccount # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
12/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29210	Web
I do not know this debt collector ( spring oak capitol ) they are trying to collect A debt that was identified as fraud and identity theft with A company called XXXX XXXX in the amount XXXX cents. The credit bureau removed this deft for fraud and identity theft in 2015. This company was recently sent A copy of the police report by XXXX yet lied and said they never received A copy.
01/09/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	VA 23321	Web
This account appeared on my credit report for an {$830.00} balance owed to someone. I have never been contacted by this company regarding any debt they purchased on behalf of anyone and since all my bills have been paid off, I do not owe anyone anything past due. This company failed to contact me with regard to any debt affording me the ability to dispute any invalid information.
05/11/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 710XX	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
02/11/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	CA 92571	Web
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
09/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92651	Web
This company continues to harm the consumer by knowingly reporting fraudulent information to XXXX ; when there in fact HAS NEVER BEEN A CONSENSUAL CONTRACT BETWEEN CONSUMER AND THIS COMPANY. Despite the requests for debt VALIDATION, this company continues to violate the consumer in numerous ways and XXXX accepts these fraudulent reports as accurate despite the multiple disputes
11/29/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19139	Web	Older American
I Have Called This Creditor, Spring Oaks Capital Who Said That The Are A Collection Agency For XXXX XXXX XXXX. I Have Told Them That I Have Been The Victim Of Identify Theft. When I Told Them That, They Are Now Telling Me That Someone Had Paid Over {$600.00} On The Bill In XXXX Of 2021. It Wasn't Myself. I Have Been In And Out Out Of The Hospital During This Time And Since.
08/14/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MD 21218	Web
XXXX XXXX XXXX XXXX XXXX owned by XXXX XXXX, XXXX gives notice of an account balance of {$610.00} sold on XX/XX/2021 to Spring Oaks Capital , LLC who now is owner. Although XXXX XXXX, XXXX states the notice is not a bill and not to send payments it gives myself the impression that any payment should be forwarded to Spring Oaks Capital , LLC of which I am confused about.
07/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27262	Web
On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. Spring Oaks Capital , LLC, has violated my rights. 15 U.S.C 1681 602 A. I have the right to privacy. 15 U.S.C 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.
07/28/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 33810	Web
I received mail on XX/XX/2023 from a law firm indicating that there is a lawsuit against me from LLC Spring Oaks Capital SPV and they would like to represent me. However, I never received any notice regarding a lawsuit being filed. I don't have an agreement nor a contract where I was working with them so I'm not sure who they are or what debt they are trying to collect.
11/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	FL 33064	Web
I called in for the collection agency to give me a debt validation letter and I was told it'll take30 days. I did that in XXXX. I called in again on XXXX and I was told they still haven't closed the dispute. I haven't received the letter yet and its the XX/XX/14. They also open a second dispute for no reason. I was told that they opened it to prolong the first dispute.
05/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19139	Web
I have recently viewed my credit report and I see several credit accounts reporting on my credit report that should not be there. There is a " XXXX '' revolving account reporting to my credit report and I never opened an account. The account is reporting a {$0.00} balance yet it is closed and has resulted into a collections account from " Spring Oaks Capital LLC ''.
01/04/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MO 63303	Web
A company called twice with a local phone number. I called back. They asked for my name I hung up. I tried again asked for their name. They said Spring Oak Capital I gave them my last name they they said they made a mistake and would take my number off the list. I dont know what they do or what list. It seems like a scam/phishing and Im worried I compromised myself
06/15/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TN 37804	Web
This company keeps contacting me, attempting to collect a fradulent debt. I have attempted to peacefully contact the company 4 times, in an attempt to get them to put me on their do not call list. I am on the national do not call registry, and despite this, they have contacted a total of 31 times. The company that they are claiming to be is Spring Oaks Capital LLC.
04/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28376	Web
On XX/XX/2022, SPRING OAKS CAPITAL sent false, deceptive, or misleading representation in connection with the collection of a debt. Documentation sent has no signatures and doesn't validate debt or constitute a contract. This documentation is not lawful evidence of indebtedness. SPRING OAKS CAPITAL is also furnishing false and misleading information on the debt.
10/15/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NV 89031	Web
I was checking my credit report through XXXX. Discovered debt with XXXX XXXX XXXXXXXX for a Milestone credit card in 2019 that I never had possession of. The debt now shows up on credit report as Spring Oaks capital llc. Balance XXXX. I do not know where these charges came from. So I am disputing charges and debt because they are directly impacting my credit.
09/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 48127	Web
There are some fraudulent collections on my credit that are not mine I spoke with the credit bureau and they told me I needed to file a complaint with you guys in order for them to be removed. One of the collections is from " XXXX XXXX XXXX '' for {$140.00} And the other collection is from " spring oaks capital LLC '' for the amount of {$730.00} dollars
03/26/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53209	Web
Spring oaks Capitol l is reporting to the credit bureaus stating I have a debit in the amount of XXXX with them. They have sent me emails with claims this debit was sold to them from XXXX XXXX. I don't have debit with and they're falsely reporting a debit in my credit report. I have disputed this several including a current dispute in process with XXXX.
04/07/2021	Yes	Debt collection Payday loan debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30144	Web
I have been trying to reach out to the 3rd party debt collector Spring Oaks Capital ( On behalf of/debt purchased from XXXX XXXX XXXX ) by mail so that a settlement resolution can be reached in writing. However Spring Oaks Capital has continued to call me over the phone where in my letter I expressed that I need to be reached via mail to a new address.
10/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76017	Web
Spring Oaks Capital LLC has reported a debt collection on my credit report. I have never heard of this company. This company has a debt in their office claiming that I am liable for this debt and the original creditor is XXXX XXXX XXXX XXXX. I have never heard of any of these companies. I am concerned where both companies have received my information.
10/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32839	Web
SPRING OAKS CAPITAL LLC. In Pursuant of 15 U.S. Code 1692 ( a ) Congress finds there is abundant evidence of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasion one 's privacy.
02/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76112	Web
I have sent XXXX different letters requesting validation of the debt. XX/XX/22 and XX/XX/22. The company has yet to respond with legal documentation such as a signed contract, agreement or promissory note which holds me legally responsible for this debt. I have no knowledge of the account nor have I ever opened an account with the original creditor.
07/18/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	TN 374XX	Web
I have no knowledge of this creditor also... In accordance with the Fair Credit Reporting act Spring Oaks Capital LLC has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
03/14/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 64055	Web
I received a collection notice from Spring Oaks Capital LLC on XX/XX/2021 for {$3000.00}, that doesn't belongs to me and i replied with letter asking " debt verification '' documents on XX/XX/2021, ( delivered XX/XX/2021 ) but they never responded., they reported to XXXX as a Collection. This is ID theft, i don't have any knowledge of this account.
06/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91768	Web
This shows in my credit wise report and in my credit report and I dont remember ever getting any card or loan from this place. ( Spring Oaks Capital LLC ) original lender ( XXXX XXXX XXXX XXXX ) collection/charge off for {$630.00} reported on XX/XX/2023. It says the account is 1 year and 10 months old. I did not apply for anything on those dates!
03/22/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 34472	Web
My credit report on XXXX/XXXX/2023 from XXXX shows Spring Oaks Capital violate my privacy by hijacking my credit report with an alleged debt. Spring Oaks capital used my information falsely without my consent to report a false debt. I do not owe and have never entered to any agreement with respect to the alleged debt in the amount of {$210.00}.
12/04/2023	Yes	Debt collection Telecommunications debt	Written notification about debt Didn't receive notice of right to dispute	GA 313XX	Web	Servicemember
I had an opportunity to pull my credit report on XX/XX/2023. I found that Spring Oaks Capital was listing a collection for {$910.00} with three credit bureaus. I have not received any documentation or phone communication from this company regarding a balance owed. I would really like for someone to look into this for me. Thank you in advance.
10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 338XX	Web
SPRING OAKS CAPITAL LLC Is Reporting on my XXXX report an account which shows as act XXXX with a balance of a balance of {$540.00} I have no knowledge of this account, I have dispute and requested a proper verification and validation, as of the fair credit act the company has not complied. I request a immediate removal from my credit report
08/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 45503	Web
In XX/XX/, I disputed a debt of {$980.00} with XXXX asking Spring Oaks Capital LLC to verify the debt by providing an original signed contract. They did not respond within the 30 days deadline and did not provide requested verification but claim the debt is verified. According to 15 USC 1681i ( a ), the agencies are in violation of my rights.
08/27/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TN 37128	Web
I check my consumer report & seen that SPRING OAKS CAPITAL LLC was reporting a ALLEGED DEBT on my report! SPRING OAKS CAPITAL LLC never sent me any information about this ALLEGED DEBT. I am disputing and requesting validation according to Title 15 U.S. Code 1692g SPRING OAKS CAPITAL LLC HAS TO REMOVED ALLEGED ACCOUNT FROM MY CONSUMER REPORTS
02/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 32073	Web
Looking at my credit report and it showed that that this account was open on XX/XX/2021 and its looking like its and old debts that reappear on my report as if the collection agency changes the date of delinquency to make that account look newer. I need them to proof to me when I open this account on the date that its showing in my report.
11/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 344XX	Web
The XXXX Credit Bureau is reporting inaccurate information on SPRINGOAKCAP. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. SPRINGOAKCAP XXXX Balance {$590.00}
09/29/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 95219	Web
I received a debt letter from Spring Oaks Capital dated XXXX XXXX and i responded back with a debt validation letter dated XX/XX/2021 and as of today i have only received credit card statements from creditor and its not what i asked for. They have proceeded to report this debt on XX/XX/2021 to XXXX only of which i was unaware of this debt.
03/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32505	Web
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
01/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 293XX	Web
15 USC 1681 Section 602 States That I Have The Right To Privacy. 15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish my account without my instructions. 15 USC 1666B : A creditor Can not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
02/04/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA XXXXX	Web
On XXXX I sent 2 letters to the address on my credit report notifying the company they have no regulations to collect in XXXX on a charged off debt that has been written off and also the are not registered in XXXX to collect. I looked at my credit report to see a derogatory amount of {$630.00} has been reported to the credit bureau.
02/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30043	Web
Upon pulling my credit report on XXXX XXXX I was surprised to see an entry from a company that I have never heard or done business with. I have not received any communication regarding this alleged debt and I have no idea where it came from. I am a victim of identity theft and I believe that this alleged owed debt may be due to that.
03/12/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	KY 401XX	Web	Servicemember
Asked spring oaks capital several times to remove item or verify I had personally signed contract with them and they would not verify and repeatedly sent same UNSIGNED documents over and over. Nothing ever had my own personal signature on it and nothing ever verified I had personally opened an account with them or any other entity.
10/30/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NY 117XX	Web
This debt was on my credit for 7 years, it came off and 4 months later this company came out of nowhere and resubmitted this as debt to my credit report. I never got any notice from them about this debt. Also the debt was over XXXX XXXX XXXX and already fell off the account. They are also not licensed in New York to collect debt.
06/27/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 20745	Web
Spring Oaks Capital LLC is reporting a collection that has not been verified. I am not aware of what the original company is and asked Spring Oaks Captial LLC by certified mail for verification of the debt they are reporting. They have not verified this debt and it has been over 30 days since the letter was sent to the company.
10/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL XXXXX	Web
Account is closed and paid in full to Collection agency on XX/XX/2022. This account was in fact, fradulently opened, but because I am done with the back and forth, I paid the small balance of {$250.00} in full. I was told by Spring Oak Capital that I would have this debt/collection removed immediately after receiving payment.
04/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33617	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
11/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33563	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 12303	Web
Submitted disputes to all XXXX credit reporting agencies, in which a debt I did not recognize came back on my report. I sent a letter for debt substantiation directly to the debt collector listed with no response about said debt. In which the request for this information must be provided or the alleged debt shall be deleted.
10/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38127	Web
My promissory note is what paid for this consumer transaction, I don't see how I owe you when promissory notes turn into negotiable instruments. Please provide the documents I asked for in my debt validation, cease and desist, and Debt Declaration. Also, please respond to my Affidavit with an Affidavit. Account number : XXXX
09/07/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 019XX	Web
i have asked and asked in writing, over the phone, filed dispute after dispute with credit reporting agencies. this is not my debt, i have asked for PROOF OF DEBT, DOCUMENTAION AND THEY REFUSE. THEY JUST CONTINUE TO STATE IT IS MINE. THEY HAVE TO PROVIDE PROOF UNDER THE LAW BEFORE THEY START TEARING APART MY CREDIT REPORT
02/28/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL XXXXX	Web	Servicemember
XXXX was notified of fair reporting act, Spring Oaks Capital LLC continue to park this old debt on my credit report, sabotaging the credit score on various occasions, the debt is to old to be on the credit report, and disputed this twice with XXXX. This debt was closed XX/XX/2014, reopening on different collection agency.
09/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32808	Web
Request for debt validation, contract with my signature with collection agency, proof of licensing to collect debt in the state of Florida sent Certified Mail. Collection Agencies sent a billing statement. No company listed in this complaint sent any validation and are not licensed to collect debt in the State of Florida
08/09/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TN 376XX	Web
To whom it may concern I had a charged off credit account from XXXX from XXXX XXXX ( XXXX ) that was purchased by Spring Oaks Capital LLC. Spring Oaks Capital LLC knowingly and ILLEGALLY re-aged the debt from XXXX to XXXX and posted to both XXXX and XXXX in an illegal attp to gain 4 extra years to collect on the debt.
03/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31904	Web
In accordance with the Fair Credit Reporting Act XXXX Account Spring Oaks Capital LLC has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have right to privacy. 15 U.S.C. 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
01/04/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Improper use of your report Credit inquiries on your report that you don't recognize	TX 75115	Web
I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies.
03/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28376	Web
XX/XX/2022 SPRING OAKS CAPITAL LLC contacted me about a debt through the mail. I asked for validation from them through the mail which hasn't been provided. I received a letter dated XX/XX/2022 on the XX/XX/2022. I haven't been given time to dispute validity. It hasn't been 30 days and it showing up on credit report.
08/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	GA 31021	Web
I am not liable for this debt with XXXX XXXX I do not have a contract with XXXX XXXX. They did not provide me with the original contract as requested. I am not liable for this debt with spring oak capital LLC. I do not have a contract with XXXX XXXX. They did not provide me with the original contract as requested.
07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19027	Web
I am not liable for any of th accounts listed I do not have contracts with these companies and they did not provide me with original contracts as I requested I reported them as fraud it is way over 30 days since last contacting them below are the companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
09/24/2023	Yes	Debt collection Payday loan debt	Electronic communications You told them to stop contacting you, but they keep trying	TN 37217	Web
Multiple phone calls while I was working, multiple emails, never did get a direct answer from them regarding the matter. They never verified/validated the debt they were trying to collect. Overall very rude and disrespectful and despite multiple attempts to dispute it to have it erased, I have had no success.
02/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92114	Web
I disputed this information with the credit bureaus and they have yet to remove these unauthorized accounts from my report. Ive never authorized any of these accounts with these companies. I dont have a relationship with these companies. Please remove these accounts from my credit report, they arent mines.
09/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 308XX	Web
In accordance with the Fair Credit act SPRING OAKS CAPITAL LLC Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
02/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
i received a letter from XXXX XXXX XXXX XXXX, a Debt buyer, stating that i owed XXXX to a company called XXXX XXXX ... .. i ent a validation letter asking for more information and i never recieved a reply back, so i wrote a separate letter and still no reply i called the company and left several messages
11/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60504	Web
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
11/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21061	Web
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
11/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60504	Web
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).
10/19/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	IL 60563	Web
This Account is not mine and never has been mine at no point in time. I called Spring Oaks Capital , LLC and have gotten nowhere. I'm XXXX and I'm being taken advantage of. I even asked for a contract or signature that they cant provide and I know that that's in violation my rights. Can You Please Help?
08/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60504	Web
As a federally protected Consumer, I am here to contest any alleged claims that you are now listing as consumer debt on my credit report. I am not responsible for this debt, as I do not have a contract associated with this account, and you failed to present me with the original application as requested.
11/02/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	PA 19468	Web
In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States/ have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
01/25/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43229	Web
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
01/19/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94606	Web
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
11/30/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60621	Web
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
05/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	PA 17406	Web
There is an old account ( 2017 ) from previous marriage that was opened by exwife. Account was closed and charged off by creditor, XXXX XXXX. It was removes from my report for approx 6 months and has now resurfaced on my XXXX XXXX repport showing a nea balance of {$14000.00} under Spring Oaks Capital.
05/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	HI 96815	Web
I don't own XXXX XXXX and I don't own Spring Oak credit anything and as as of result of them the gathering information from XXXX XXXX they have violated my rights of privacy by reporting information to the credit bureaus! My account # ( XXXX ) I want these unlawful gatherings removed from my report!
01/26/2022	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	FL 33634	Web
This company has been charging me a balance for a year with different collection companies. I make the complaint and the credit company removes it and a few days later they come back again with the same account but with another collection company. On XX/XX/XXXX of this year 2022 they placed it again.
11/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33025	Web
There is no Signed Legal contract between myself and the original company nor the debt collector who is attempting to collect a debt that is not owed to either company. I have requested said documents and it has not been provided So therfore this should be removed from my credit report immediately.
10/08/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	PA 19020	Web
There is Debt collector that recently populated on my credit. When I retrieved my credit reports from annualcreditreport.com it verified that the same debt collector was charged off and no longer owed. I would like to continue to dispute this collection and i am asking for an update within 30 days.
07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 08003	Web
I have had a collection from Spring Oak Captial on my XXXX credit report for sometime. I was able to dispute it with XXXX and XXXX and they removed. XXXX has yet to provide the documents necessary to prove that they verified it was me. My identity was stolen therefore this was a cause of that.
03/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89102	Web	Servicemember
SPRING OAK CAPITAL LLC IS TRYING TO COLLECT A DEBT THAT IS NOT MINE FOR XXXX XXXX FOR THE AMOUNT OF XXXX DOLLARS. I AM DEMANDING A VALIDATION LETTER, SENT TO ME INA TIMELEY MANNER, WHICH I AM ENTITALED TO BY LAW. I AM ON XXXX, THEREFORE MY INCOME IS FEDERALLY PROTECTED FROM SCAMS SUCH AS THIS.
05/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60628	Web
In accordance with the fair credit RportingXXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
02/17/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	SC 29414	Web
This letter is a formal complaint against XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). They have repeatedly violated the Fair Debt Collection Practices Act. A lot of mistakes look as if they exist within this account. Review the status, creditor, account number, and payment status.
11/21/2022	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 30161	Web
The company Spring Oaks capital LLC begin contacting me offering multiple business loans upon turning them down they have now submitted a false debt collection report to credit consumer reporting agencies. This collection notice was done in retaliation and does not concern a legitimate debt.
08/31/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IA 507XX	Web
The company Spring oaks capital llc have contacted me in regards to attempt to collect a debt that I dont owe to them. I XXXX XXXX is the original creditor who didnt sign an documentation with Spring oaks capital llc and have no knowledge of an account with them and dont owe them anything.
10/08/2023	Yes	Payday loan, title loan, personal loan, or advance loan Installment loan	Struggling to pay your loan	TX 76063	Web	Servicemember
The company placed this on my credit report, when I was affected by a natural disaster that's out of my control after asking for removal. Spring oaks capital llc is the company XXXX XXXX XXXX is the original creditor Their information was very confusing & credit terms are not clear.
03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60615	Web
I need to verify all of the details of this account you are reporting because not only I did not give anyone my personal information I am utterly speechless and confused at the same time on how you got my information and the audacity to report this unknown account in my credit report.
12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 236XX	Web	Servicemember
In accordance with the fair credit reporting act, SPRINGOAKCAP XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
12/28/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48237	Web
XXXX XXXX BANK {$720.00} this account was opened fradulently by someone I do not know and I have contacted the agency for years to assist me with recovery my personal credit profile to get standings and they have yet to do so, therefore I am filing charges against them for neglance.
12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CT 061XX	Web
I am trying to escalate these unfamiliar accounts and charges that were added on my credit report to which I don't recognize that I owe. I want these letters to reach the right department so they will investigate these from the furnishers and correct the inaccuracies on my profile.
11/10/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 92833	Web
This collection company started reporting on my credit without any written notification prior to reporting. This is not my debt, I was able to get the original creditor removed from my report and did not have a chance to dispute with the collection agency prior to them reporting.
03/17/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 444XX	Web
Im demanding the removal of the collection which Spring Oaks Capital has placed on my credit. My debt is not with them. I dont owe the {XXXX} reflected on my credit. Im in no type of contract with this company. This is impacting my credit and I demand that it is removed at once.
03/07/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NJ 070XX	Web
On XX/XX/2022 I called the debt company and was advised I have a debt. I told them the I dont know about the debt. They never wrote me any correspondence they have the debt or how to dispute. I was never told me communication with debt collector was an attempt to collect a debt.
01/11/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	KY 412XX	Web
They was paid off in XXXX, by XXXX XXXX XXXX and they changed the name of the debt collection to XXXX XXXX but it's still the original XXXX XXXX that we agreed to pay. Which is paid off and they will not remove the item. I've attached copies of the payoff and all bank ledgers
04/01/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	WI 549XX	Web
Springoaks has degrogatory remarks on credit report, never received anything from these people, never given right to dispute or validate, im tired of all these companies getting away with reporting whatever damaging my credit..im on XXXX and tired of it all by ALL these people.
02/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MI 48035	Web
The XXXX XXXX XXXX is the original account holder Spring oaks is attempting to collect the debt. The account is being reaged an the amounts are different on XXXX XXXX XXXX. The dates the account was opened & closed are different as well Also all different last date of payment
12/13/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30132	Web
I do not acknowledge any liability for this debt in any form. However the company is reporting to the 3 credit bureaus & I requested to pay to delete. This company emailed me back stating they do not have this debt. Im asking to have this account deleted from my credit report.
12/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98664	Web
I have a collection company that placed XXXX items on my credit report for collections. I made a request on XX/XX/23 through XXXX XXXX with XXXX for verification as the debts are unknown. I do not see how it's possible for a legitimate verification of debt within XXXX hours.
11/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA XXXXX	Web
I disputed this debt in XX/XX/2022. The creditor was unable to verify the debt and amount due. The creditor dropped collection attempts and agreed to remove it from my credit report. On XX/XX/XXXX the reported the debt again to be in collections. This needs to be removed.
04/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	IN 46226	Web
I thought it is used through XXXX about an account that is listed as charge off! The account was sold to a collection agency which keeps reporting the account as a new debt every 30 days and is causing a catastrophic drop in my credit score by XXXX points! Only through XXXX
12/04/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 079XX	Web
Spring Oaks Capital LLC has violated my consumer rights and are illegally attempting to collect a debt in a state that they arent licensed in. Due to this fraudulence, I would like this account removed from all three of my consumer reporting agencies reports immediately.
04/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48382	Web
I have complained numerous times to spring oaks Llc about a debt that was opened fraudulently. They sent me paperwork showing balances which are not mine. I have written to them and sent them letters and have tried to dispute with three credit bureaus with no resolution.
07/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28269	Web
In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions
09/21/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	AL 362XX	Web	Servicemember
Spring Oaks Capital has bought my debt from XXXX XXXX and reporting it as a new debt. This debt is over three years old and has been reported as charged off then. They are reporting it was opened In XXXX of this year. This is false. They are trying to collect {$650.00}
02/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33068	Web
Spring Oak Capital LLC claims I owe them {$11000.00} for the original creditor, XXXX XXXX. Opened XX/XX/2022. I never opened or had a XXXX XXXX account. XXXX XXXX is not on my XXXX credit file. Spring Oak Capital LLC needs to remove this false information immediately.
02/07/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 34741	Web
XXXX XXXX with my wet signature on it? Creditors information address location phone number and agent that talk to me personally? Proof of payment history payments made and payments not made dates and issue documents? Proof of ownership and Authorization to collect?
08/27/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 11216	Web
I have a collection account that I've been reaching out to numerous times about relief and they were still billing me. I told them due to covid 19 hardship I lost my job and everything, I won't be able to make the payments. They ignored me and kept adding on payments.
09/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 32778	Web	Servicemember
Debtor placed collection account on my credit report after payments had ben made, and account was paid in full. requested deletion and was told will be deleted 60 days after payment received. account is paid in full and therefor should be reflected as such or removed.
04/26/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MI 482XX	Web
I moved to XXXXXXXX XXXX XXXX during the pandemic I had lost my job and my family was evicted. So what is this I owe never heard of Spring Oaks Capital the property owner contacted my family about Mail coming for me and it need a to stop because its Rental property.
11/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 10801	Web
I received a copy of my credit report and this account XXXX XXXX is reporting that my account is open and I missed payments this account is closed as a charge off so how can they say the account is open plus the balance on the account is wrong I have proof as well
10/28/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
I have sent multiple letters requesting a validation of debt. I am being sent information that does not validate that the debt is indeed mine according to the law. A statement with a list of charges and/ or a balance on a letter head is not sufficient validation.
12/10/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77546	Web
There are 2 credit cards companies that were showing on my credit reports. I file a dispute with all three and they investigated and XXXX and XXXX removed them both but XXXX said that it was verified. I received I letter stating it was verified by the company.
09/27/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MT 59602	Web	Servicemember
Calls at least XXXX a day from all different numbers. This amount was written off by the original creditor and purchased by Spring Oaks Capital LLC. Will not stop calling even after I've asked multiple times for them to stop. They are now also sending emails.
05/30/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 14616	Web
I sent a letter requesting debt validation of the alleged debt through certified mail. They received this request on XX/XX/XXXX. It has been 30 day, and they have failed to respond, but they are still reporting negative information on the alleged debt.
12/02/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94606	Web
Per certified mail tracking, It's been XXXX months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General, and FTC
05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 33712	Web
I recently looked at my credit report and notice this account reporting negatively. I have no recollection or knowledge of this account. On XX/XX/2022 I sent a debt verification/validation letter to this company. I have yet to hear any status update.
05/13/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	TN 37086	Web	Servicemember
Spring Oaks Capital ( SO ) did not disclose the date of last activity, incorrect balance, status incorrect, my file has not been corrected. I am requesting due to this violation I have the right to request deletion, because the law demands deletion.
07/19/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NC 28112	Web	Servicemember
Was XXXX and had charges not aware of with NC XXXX XXXX XXXX. Have been victim of XXXX XXXX XXXX XXXX leak and ever since then I've had issues with fraudulent charges. They keep contacting me even though I file disputes. Even tried credit bureau.
02/07/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OK 74801	Web
This collection company has reported to my credit that I owe them an assumed debt. That have failed to give me written notice and the right to dispute said assumed debt, I am not nor have I ever been in contact with this debt purchasing company.
11/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29485	Web
Today XX/XX/21 upon checking credit, i see a new collections on my profile from SPRING OAKS CAPITAL LLC for XXXX XXXX XXXX. Which i never had before nor inquired about. Already made a complaint with XXXX. Tried calling them & they wont answer.
04/16/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33067	Web
I have an account from springoakcap # XXXX for {$820.00} this account doesnt belong to me. I never had account with XXXX bank. This is really frightening Ive attached a copy of my affidavit as well and Im requesting a removal of this account.
07/28/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30013	Web
This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a charge off and the reporting agency has violated my rights per the consumer credit/finance laws.
07/28/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30013	Web
This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a charge off and the reporting agency has violated my rights per the consumer credit/finance laws.
05/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70806	Web
I have asked this company to provide any information showing that I ever opened an account with them. All requests have gone unanswered. They are showing I owe them {$880.00} under account number XXXX. I've never done any business with them.
02/06/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OK 73112	Web
They are reporting this account was open in XXXX the date of delinquency was over 2 years ago almost 3 Ive asked it to be fixed and it hasnt they refuse to send me statements and they called XXXX XXXX XXXX and have her all my personal info
03/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23455	Web
Springs Oaks Capital LLC has put a debt on my credit file that I do not owe and has fail to respond with law documents A letter has been wrote to the bureau about this matter. I'm making a complaint so I will have other proof of this matter
04/18/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DE 19977	Web
Spring Oaks Capital sent the attached letter which stated that if I failed to pay, they will submit a negative rating on my credit report. I have no knowledge of the referenced account and they are threatening to damage my credit over it.
03/28/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 534XX	Web
I have 2 accounts on my credit file from this company.I have never been in a contract with this company. I have never applied for credit with this company. It is reporting this account as opened and derogatory. This is not accurate.
08/06/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10456	Web
My identity was stolen as a result several accounts have been opened in my name without my consent or knowledge. I have submitted disputes and provided police reports and the accounts are still negatively impacting my credit report
06/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30127	Web
XXXX XXXX XXXX XXXX XXXX is stating that I owe XXXX this information is false XXXX XXXX XXXX XXXX XXXX XXXX is staying that I owe XXXX this information is false XXXX XXXX XXXX is stating that I owed XXXX this information is false
11/03/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 76262	Web
The company calls but doesn't respond when I answer. When I call the number used by the company I'm told number is invalid. The company has not stated reason for calling me. They just call be offer no communication or explanation.
06/28/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	PA 19132	Web
According to the Gramm-Leach-Bliley Act and 15 U.S.C. 6801, my nonpublic personal information such as ( Name, Address, Birth Date, Account Number ) should not have been disclosed to any unaffiliated third party without my consent.
02/08/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30328	Web
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
09/28/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AL 361XX	Web
This company was asked to validate this debt and failed to do so. These items must be removed in order to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997
08/09/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MD XXXXX	Web
ran my credit this collection debt showed up the company won't give me information or proof of the original debt Spring oak Cap account on credit report filed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
05/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20877	Web
Data breach with mortgage company caused late payments to accrue on my account. My mortgage was being paid on time every month, there was a fraud company identical to XXXX that was recieving the payments due to the data breach.
01/24/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MD 21157	Web
Hey, looking at my credit report on XX/XX/2022 there Is an inaccurate derogatory remark in my collections. I don't know this company. This is fraud. I have no knowledge of any of this or signed any documents with this company.
12/07/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	KS 661XX	Web
They posted a collection on my XXXX account for {$360.00} without providing a validation letter. I know they need to provide one within 5 days. They havent done that. Its not my debt. I believe Im a victim of identity fraud.
03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	CA 93955	Web
Name : SPRING OAKS CAPITAL LLC Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Number : XXXX ) XXXX Collection Cost : {$830.00} Debt : Credit Card Amount : {$830.00} Original Creditor : XXXX XXXX
10/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48328	Web
Spring oaks capital LLC is re opening a debt and hitting my credit score again for a debt already reported and impacted my score. This dropped my credit score XXXX points for something showing under another debtor already.
02/16/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Struggling to pay your loan	SC 290XX	Web	Servicemember
My account was sent to a collection agency after non payment. When I requested payment history from Spring Oak LLC they have not been able to provide them. XXXX XXXX refuses to speak about the account or provide history.
03/21/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 320XX	Web	Servicemember
The debt collection company keeps trying to contact me during working hours I am at work. This is impacting my work as I am seeing their phone number appear and its causing me XXXX and for my XXXX to become an issue.
03/06/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60620	Web
They said it was fixed and they would issues a new card with the correct amount and it never happened. I called and they informed me it was in collection they took one off the got it reporting two of the same cards.
03/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48382	Web
This account has been closed and it continues to show up as deragatory on my account. It shows open on credit report. This account was opened in XXXX of 2017 and shouldve been closed. Everything about it is wrong.
07/05/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 47906	Web
Company is suing me in court. I sent a debt validation letter to them and to the court. I have not received proper paperwork within 30 days. I want the debt deleted and removed from my credit score immediately.
11/21/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 77055	Web
Weote to this company a few times about them trying to collect a debt that they arent legally able to do so. They are not licensed to collect any debt in my state and couldnt provide me with proper licensing
02/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CT 06002	Web
I WAS A VICTIM OF IDENTITY THEFT AND THE PERSON HAD ACCESS TO MY ID AND LICENCE SSN AS WELL. I HAVE DOCUMENTS WITH ID THEFT. GOV AND REPORTS NOT ONLY WAS MY INFORMATION USED FOR THIS COUNT BUT OTHERS ASWELL
04/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	CA 92104	Web
My identity was stolen to open a account. I have disputed this to be blocked from my credit report. It is not being blocked so please block this immediately. FTC fraud report and police report included.
09/19/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AL 35216	Web
This agency has placed a collections on my credit report and I have no knowledge of this collection. I have not gotten any written notices which means I have not been giving my lawful right to dispute
10/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23229	Web
I've tried to get them to correct the information on my credit report for multiple of the collections. They are not consistent across the 3 credit bureaus and do not hairy the right amounts or dates.
05/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV XXXXX	Web
This account was sold to another Creditor and now I have two accounts Im axing this can be removed please Sprink Oak capital LLC its already on my credit. This is against the law one or the other.
05/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Didn't receive services that were advertised	PA 18301	Web
this account is not mine account name:XXXX XXXX XXXX XXXX account number:XXXX account balance : {$980.00} im not liable for this debt it does not belong to me at all want it removed off my report
12/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06902	Web
I have contacted the company multiple times explaining that this account is not mine and should be removed from my report. Please remove this fraudulent account from my credit report. Thank you.
02/08/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	CA 93534	Web
This company called XXXX XXXX as well as Spring Oaks continues to call me up to 4 times a day. Ive asked to stop calling me and they repeatedly do so. As early as XXXX and throughout the day.
08/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	KY 423XX	Web
I tried to dispute the account several times though the credit bureaus and never got anywhere. The account has been paid and it still shows open. It is affecting my credit score tremendously.
01/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63121	Web
I have no knowledge of this account and have reached out to the company for the burden of proof to be sent to me please remove this account it is a result of fraudulent activity and actions.
02/22/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 78521	Web
I am trying to buy a house and its defamation to your character and livelihood. This is not my account. Spring Oaks Capital LLC. {$1000.00} is under collections. I had deputed in XXXX.
05/15/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 080XX	Web
I do not have any connection with the SPRINGOAKCAP company. I believe the original creditor sold my account without my permission. I only recognize XXXX XXXX as the original creditor.
11/30/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 92592	Web
Requesting proof of debt validation notice. Needs to be certified mail within XXXX buisnsss days of purchasing debt or immediately delete as it is effect my ability to obtain credit.
01/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MO 63121	Web
I have reached out to spring Oaks Capital LLC several times and they have failed to provide the burden of proof to me in mail over time. Please help me help them follow the law.
11/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30260	Web	Servicemember
Provide the orginal copy of the written notice of debt sent also provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
11/07/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90303	Web
I have no idea who these people are they just appeared on my credit report and been calling my phone early in the morning before XXXX with threats of ruining my credit report
04/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19149	Web
updated information please see attached letter. also included are summary of complaints from others in regards to this company erroneous collection and negative reporting.
11/13/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 48154	Web
I reached out to the collection company about this debt collection the told me to make a ftc report and I did and now I would like this to be removed from my credit report
02/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21218	Web
Received another attempt from Spring Oaks Capital , LLC, a debt collector who has previously received a letter of dispute for their debt from XXXX XXXX deputing the debt.
06/06/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MS 39056	Web
Spring Oaks Capital , LLC furnished an alleged debt on my XXXX, XXXX, and XXXX credit report which is illegal & a violation of 15 USC 1692c ( b ), & 15 USC 1692b ( 2 ).
08/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92405	Web
Filed a dispute with XXXX. They can't even get simple fact correct anymore. Blame XXXX for this... It's ruined my life ... and these XXXX joke about it probably!!
06/08/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AR 721XX	Web
This company has an account reporting negatively on my credit report. There is no proof of an original document or signature between Spring Oak Capital LLC and I.
10/03/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39402	Web
Has an attorney verified the accuracy of this account? If not, I urge you to remove it from my credit report without delay, or else I will pursue legal action.
08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35020	Web
The below companies have my information and I don't have accounts with these company and because the are on my consumer report it is fraud and identity theft.
09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78626	Web
You are reporting this collection as an " open account '' which is not under FCRA compliance This is inaccurate reporting and needs to be removed immediately.
08/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33351	Web
XXXX is on my credit report as well as SPring oaks capital for the XXXX account was paid off. I would like it removed from my credit report all together
09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77803	Web
I filed a dispute in regard to the incorrect data on my credit report. It has been well over 30 days and I have not received any investigation results
10/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 39157	Web
This unknown account was placed on my XXXX credit report. I have not received any correspondence in the mail nor by telephone about this debt/account.
11/22/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	PA 15146	Web
I receive mail from Spring Oaks Capital LLC a debt collector for XXXXXXXX XXXX XXXX I notice on my credit report that I have no balance for this debt
07/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	MD 20782	Web
I have a loan on my credit that I didn't take and is affecting my credit report. the are a lot of loans on my credit that is doesn't below me. FRAUD!
07/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Old information reappears or never goes away	TX XXXXX	Web
The dispute was resolved and reported by grantor but is still having a derogatory impact on my credit and is still there and it needs to be removed!
03/21/2022	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	FL 32822	Web
Spring Oaks Capital SPV , LLC is trying to collect {$8400.00} from me. I have never had a loan with them and never owed anyone that amount of money
10/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94601	Web
Company refuses to delete a fraudulent account on my credit report. I have written several letters asking them to remove it. Account Number # XXXX
08/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 93036	Web
Spring Oaks capital has continued to harass me with countless collections. I added any collection to XXXX this collection is from XXXX XXXX XXXX
09/27/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33563	Web
Spring oak capital has an account on my credit report. That is not mine. I do not have any signed contract or agreement to pay this account.
09/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	WI 53218	Web
SPRING OAKS CAPITAL LLC has the wrong information. I tried to contact them to receive the right information but I was not provided with it.
06/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32218	Web
Credit card companies sold off my account to collection agencies which is against the law and some of these accounts are over 3 years old.
09/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94601	Web
Company has refused to erase a credit file that isn't mine. All other bureaus has erased this fraudulent credit file on my report but XXXX
04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NY 10950	Web
Between XXXX of XXXX to now Numeralss over drawn accounts and credit cards maxed out of my name with out auth or knowledge of my own
02/22/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	PA 17404	Web
My credit was stolen some one charged xxx amount of dollars on my credit that i am not responsible for they sold my debt to collector
01/25/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 71107	Web
I have been requesting for this company to validate the alleged debt, which is my right as a consumer but I haven't got anything yet.
04/28/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MD 21702	Web
These people are calling my friends and family. I have politely asked them to stop, because I talk to them whenever I am available.
08/07/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45239	Web
XXXX XXXX XXXX says I owe XXXX from XX/XX/2022 and its not my debt at someone opened the account in my name without my consent.
08/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33463	Web
I don't know this entity or any entity they're affiliated with please direct them to cease and desist. This is not a valid debt
09/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OH 447XX	Web
Prior to this showing up on my credit report, I did not receive any notification of this debt from Spring Oaks Capital LLC.
06/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IN 46383	Web
K I did apply card but never used someone else did and now I owe it's not mine stolen or taken and used want removed asap
02/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MO 630XX	Web	Servicemember
This fraud company continues to call and text me demanding money to settle a previous credit card that I have never had.
01/23/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	WI 54302	Web
They call more then once in a day I have told them that they are being rude and hostile towards me they continue to call
01/05/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MO 63116	Web	Servicemember
I have received 40 call attempts in a XXXX hour period from XXXX XXXX on XX/XX/XXXX and 32 call attempts on XX/XX/XXXX.
09/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46307	Web	Servicemember
I have no clue what this is but someone used my identity for something. Now Im being harassed for it. XXXX is no help
10/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 081XX	Web
Company will not supply me with original signed contract, proof of ownership, balances. Account does not belong to me
12/30/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 90706	Web
Spring oaks capital sent a debt collection letter to my parents home I do not live there and never gave this address
03/20/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 61107	Web
Spring Oaks capital date XX/XX/2021 I notified company of unauthorize charges lost or stolen wallet debt not valid
03/21/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	IL 600XX	Web
XXXX XXXX XXXX XXXX XXXX {$1.00} please i want to delete from my credirt report original credito springoakcap
05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77091	Web
According to law 15 USC 1681b permission purposes I never received a 1099 nor I never heard of this company
09/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30044	Web
This collection showed up on my credit report. Its for {$600.00}. I do not have any debts with this company
10/17/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	GA 30655	Web
I'm not sure but the sheriff show up to my mother 's house in a state I haven't lived in for over a year.
10/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28306	Web
Have no idea why or what this account is that is in my collections. I have no knowledge of this account.
04/14/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NV 89117	Web
Debt found on credit report. Do not know where its from or what it is. Didnt receive information of debt
04/15/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NV XXXXX	Web
This company was sold to another company and both of them as added to my credit spring Oak capital LLC
03/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77449	Web
My name is XXXX XXXX and I am submitting this compliant without any influence of a third party agency.
09/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43229	Web
disputed all charges for all three credit reports and creditors Springs Oaks and XXXX XXXX XXXX XXXX
07/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA XXXXX	Web
Account with XXXX Amount XXXX. To all my knowledge I have never seen nor used this account before.
10/21/2023	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	AZ 85338	Web
I was double tapped at XXXX by Sprink oaks capitaXXXX. Its happened before I spoke to a supervisor.
08/30/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	WV XXXXX	Web
That called asking for myself I didn't agree and that wouldn't tell who it was and what it was for
08/25/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77449	Web
I am submitting this compliant against Spring Oak for the federal violated they have committed.
08/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19149	Web
this unknown company is continually reporting fraudulent information on my consumer reports.
01/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 303XX	Web
the account wasn't already charge off the sold it to another company and increase the debt
12/12/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OR 97007	Web
I have requested proof of debt 4 times over the past 2 months and have not received it.
07/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60409	Web
On XX/XX/XXXX, spring oak capital try to collect a debt thats not owe by me ) XXXX
10/18/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 370XX	Web	Servicemember
I have no idea what this collection is for - it just showed up on my credit report
12/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31525	Web
Can't get a hold of company to explain this is not an account that belongs to me.
08/19/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 93036	Web
Spring oaks supposedly purchased a debt that was already added to XXXX XXXX
08/10/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NC 28262	Web
I was not notify of debt before the collection tries to decrease my credit
05/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19150	Web
I never had an account with this company and this balance of {$570.00}
10/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28214	Web
I have never done business with this company and do not owe {$760.00}
03/25/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 078XX	Web
I have send a letter for verification and it been 30 days no respond.
12/07/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32940	Web
Identity Theft victim and Fraud, Submitted Reports to the company.
07/04/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60803	Web
I HAVE NEW AND UPDATED INFORMATION, PLEASE SEE ATTACHED DOCUMENTS.
11/19/2023	Yes	Checking or savings account Checking account	Opening an account Account opened without my consent or knowledge	KY 41015	Web
Its a open account from XX/XX/2021 for XXXX in its not my account
10/29/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MI 48234	Web
These accounts are old and need to removed from my credit report
10/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	VA 23518	Web
Spring Oaks Capital LLC bought a debt from XXXX XXXXXXXX XXXX
04/06/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	PA 19120	Web
They never validated the debt with original signed contracts.
07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30314	Web
Ive asked for the debt to be validated twice to no avail
04/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	NY 100XX	Web
A bunch of companies sold my information without consent
03/19/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	OH 45240	Web
The debt collector calls XXXX times a day all hours
11/06/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	MO 640XX	Web
This is not my debt. Belongs to a family member
01/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30260	Web
Sent debt verification letter with no response
01/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33462	Web
National Credit Adjust XX/XX/22 XXXX XXXX
12/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	IN 46815	Web
This account has never been late
02/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19150	Web
I did not open this account
06/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 14221	Web
This is not mine.
01/29/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DC 20020	Web

01/29/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TN 38125	Web

01/29/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78251	Web

01/28/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	FL 32413	Web

01/28/2024	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 488XX	Web

01/26/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 10702	Web

01/26/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29926	Web

01/26/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web

01/25/2024	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 78216	Web

01/25/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19342	Web

01/24/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91361	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60163	Web

01/24/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 150XX	Web

01/23/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	WA 98103	Web

01/23/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 37042	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85024	Web

01/22/2024	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA XXXXX	Web

01/22/2024	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 60453	Web

01/21/2024	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75092	Web

01/20/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 37167	Web

01/19/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11590	Web	Servicemember

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29574	Web

01/18/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA XXXXX	Web

01/18/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 16506	Web

01/17/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77007	Web

01/16/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70816	Web

01/14/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IN 46407	Web

01/13/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33025	Web

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MA 01841	Web

01/12/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX 752XX	Web

01/12/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 352XX	Web

01/12/2024	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MD 210XX	Web

01/11/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43615	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19141	Web

01/11/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30601	Web

01/11/2024	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	GA 304XX	Web

01/11/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	UT 84115	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30083	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CT 06902	Web

01/10/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	UT 84115	Web

01/10/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OK 74134	Phone

01/09/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53209	Web

01/08/2024	Yes	Debt collection Credit card debt	Electronic communications Contacted before 8am or after 9pm	GA 30039	Web

01/08/2024	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	GA 30093	Web

01/08/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 344XX	Web

01/07/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NV 897XX	Web

01/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75054	Web

01/07/2024	Yes	Debt collection Credit card debt	Electronic communications Contacted before 8am or after 9pm	VA 20112	Web

01/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75010	Web

01/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75010	Web

01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 360XX	Web	Servicemember

01/05/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	NJ 07205	Web

01/04/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36782	Web

01/04/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	GA 31904	Web

01/04/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28212	Web

01/04/2024	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	DE 19810	Web

01/03/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WI 53218	Web

01/03/2024	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30038	Web

01/03/2024	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	MN 55125	Web

01/03/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77088	Web

01/02/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70503	Web

01/01/2024	Yes	Credit card Store credit card	Other features, terms, or problems Add-on products and services	NC 28211	Web

01/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33311	Web

12/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 12589	Web

12/28/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TN 38016	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34953	Web

12/28/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77077	Web

12/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	AL 368XX	Web

12/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60605	Web

12/27/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 77346	Web

12/26/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	GA 30736	Web

12/26/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 76522	Web	Servicemember

12/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77407	Web

12/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 15227	Web

12/24/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CO 81007	Web

12/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	LA 71220	Web

12/23/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48154	Web

12/22/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	IN 46205	Web

12/22/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MD 20603	Web

12/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 62526	Web

12/21/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 31405	Web

12/21/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL XXXXX	Web

12/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20902	Web

12/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33461	Web

12/20/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 603XX	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92879	Web

12/19/2023	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 12901	Web	Servicemember

12/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 08302	Web

12/18/2023	Yes	Debt collection Credit card debt	Electronic communications Contacted before 8am or after 9pm	TN 37921	Web

12/18/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	GA 30328	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	NV 89014	Web

12/16/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MD 21229	Web

12/15/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	TX 77077	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44103	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76140	Web

12/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34948	Web

12/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33308	Web

12/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33614	Web

12/14/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 33431	Web

12/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 18101	Web

12/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90731	Web

12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19013	Web

12/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 38930	Web

12/12/2023	Yes	Credit card General-purpose credit card or charge card	Getting a credit card Card opened without my consent or knowledge	FL 33909	Web

12/11/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 20175	Web

12/11/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	MI 49508	Web

12/09/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IN 46403	Web

12/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20902	Web

12/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75979	Web

12/08/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	KS 66212	Web

12/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71111	Web

12/07/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30114	Web

12/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 74134	Phone

12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30024	Web

12/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NY 11550	Web

12/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77396	Web

11/29/2023	Yes	Debt collection I do not know	Electronic communications You told them to stop contacting you, but they keep trying	MS 38654	Web

11/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30067	Web

11/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33617	Web

11/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77077	Web

11/28/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32218	Web

11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	SC 29306	Web

11/28/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76063	Web	Servicemember

11/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91436	Web

11/27/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	MS 39120	Web

11/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20715	Web	Servicemember

11/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75072	Web

11/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36782	Web

11/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32218	Web

11/23/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	TX 78660	Web

11/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92507	Web

11/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19050	Web

11/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48076	Web

11/21/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	WI 53206	Web

11/17/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32301	Web

11/16/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85382	Web

11/15/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77054	Web

11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20902	Web

11/14/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33614	Web

11/14/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	WI 53218	Web

11/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29540	Web

11/13/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 94941	Phone

11/12/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30114	Web

11/11/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 18101	Web

11/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29710	Web

11/10/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 92707	Web

11/10/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32780	Web	Servicemember

11/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75023	Web

11/09/2023	Yes	Debt collection Credit card debt	Electronic communications Frequent or repeated messages	PA 15202	Web

11/08/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	ME 04677	Web

11/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 36116	Web

11/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32210	Web

11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 39402	Web

11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78666	Web

11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33025	Web

10/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48030	Web

10/26/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 60085	Web

10/25/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	PA 16506	Web

10/24/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33614	Web

10/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33023	Web

10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75061	Web

10/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 27127	Web

10/18/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 76309	Web

10/17/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 20747	Web

10/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	ID 83642	Web

10/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77077	Web

10/13/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	MI 48238	Web	Servicemember

10/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 44146	Web

10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46113	Web

10/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	SC 29540	Web

10/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30305	Web

10/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78252	Web

10/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30127	Web

10/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30126	Web

10/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33068	Web

10/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	FL 33025	Web

10/05/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	OH 44203	Web	Servicemember

10/05/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30067	Web

10/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75240	Web

10/01/2023	Yes	Payday loan, title loan, personal loan, or advance loan Payday loan	Incorrect information on your report Account information incorrect	GA 30337	Web

09/25/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 91615	Web

09/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10302	Web

09/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23464	Web

09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	OH 44143	Web

09/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 45243	Web	Older American

09/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33157	Web

09/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11230	Web

09/16/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60643	Web

09/15/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60649	Phone

09/13/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AR 71964	Web

09/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	ID 83442	Web

09/12/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 34207	Web	Servicemember

09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29223	Web

09/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33335	Web

09/09/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 92307	Web

09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19050	Web

09/07/2023	Yes	Debt collection Credit card debt	Electronic communications Frequent or repeated messages	TX 76543	Web

09/04/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37661	Web

09/04/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33176	Web

08/28/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32832	Web

08/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70737	Web

08/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90605	Web

08/25/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11206	Web

08/24/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33331	Web

08/24/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28677	Web

08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	DE 19709	Web

08/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19150	Web

08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33025	Web

08/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 53210	Web

08/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85041	Web

08/16/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 10306	Web

08/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30093	Web

08/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19140	Web

08/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32064	Web

08/14/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AR 72211	Web

08/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 45822	Web

08/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30058	Web

08/10/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70438	Web

08/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 17331	Web

08/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08817	Web

08/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70737	Web

08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29061	Web

08/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 75603	Web

08/08/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 33069	Web

08/07/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 01702	Web

08/07/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 33069	Web

08/03/2023	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	TN 37042	Web

08/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48076	Web

08/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33154	Web

08/01/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 94801	Web

08/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 10306	Web

07/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 35080	Web

07/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78245	Web

07/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	KS 66213	Web

07/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70560	Web

07/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29335	Web

07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48076	Web

07/24/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CT 06902	Web

07/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27262	Web

07/22/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 48134	Web

07/21/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48141	Web

07/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10306	Web

07/18/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85295	Web

07/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11417	Web

07/15/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28677	Web

07/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32424	Web

07/14/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	GA 30337	Web

07/14/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60406	Web

07/14/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76134	Web

07/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	FL 34691	Web

07/13/2023	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	NY 14211	Web

07/13/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33634	Web

07/11/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NV 89107	Web

07/11/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91342	Web

07/07/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MD 20791	Web

07/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33830	Web

07/05/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	WV 25541	Phone

07/05/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OK 74104	Web

07/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60624	Postal mail

07/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10306	Web

07/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32960	Web

07/04/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33312	Web

07/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77373	Web

06/30/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32811	Web

06/30/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 28677	Web

06/29/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 37013	Web

06/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48183	Web

06/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28222	Web

06/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10550	Web

06/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33034	Web

06/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11236	Web

06/20/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32905	Web

06/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33615	Web

06/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30013	Web

06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29229	Web

06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AZ 85203	Web

06/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MD 21117	Web

06/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11713	Web

06/13/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89002	Web

06/13/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76103	Phone

06/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 074XX	Web

06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33615	Web

06/07/2023	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	TN 37042	Web

06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 07885	Web

06/06/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 31601	Web

06/05/2023	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48076	Web

06/05/2023	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27406	Web

06/03/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	SC 29526	Web

06/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32801	Web

06/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32801	Web

06/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32801	Web

06/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19149	Web

06/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32811	Web

06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32825	Web

06/01/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IL 61802	Phone

05/31/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43612	Web

05/30/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32216	Web

05/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29150	Web

05/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 38301	Web

05/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29061	Web

05/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19134	Web

05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MO 64117	Web

05/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NH 03303	Web

05/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KS 66112	Web	Servicemember

05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OK 74115	Web

05/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19149	Web

05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AR 72758	Web

05/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27262	Web

05/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60638	Web

05/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 10541	Web

05/13/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NJ 08837	Web

05/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92345	Web

05/11/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75126	Web

05/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR 72756	Web

05/10/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MD 21113	Web

05/09/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 95825	Web

05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29229	Web

05/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MO 63114	Web

05/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94607	Web

05/05/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 78521	Web

05/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75207	Web

05/04/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85122	Web

05/03/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31904	Web

05/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08611	Postal mail

04/30/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11210	Web

04/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08046	Web

04/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 27262	Web

04/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80020	Web

04/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 38654	Web

04/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60645	Web

04/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 64119	Web

04/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29073	Web

04/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 86325	Web	Servicemember

04/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37042	Web

04/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63137	Web

04/17/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33715	Postal mail	Older American, Servicemember

04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 182XX	Web

04/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 22401	Web

04/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29485	Web

04/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27262	Web

04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48331	Web

04/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38016	Web

04/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32960	Web

04/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95961	Web

04/11/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 77469	Web

04/09/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OH 44146	Web

04/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92225	Web

04/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77090	Web

04/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	ID 83651	Web

04/03/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AZ 85381	Web

04/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MD 20603	Web

04/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 10923	Web

03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29407	Web

03/29/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70458	Web

03/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33444	Web

03/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75160	Web	Servicemember

03/20/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70119	Web

03/20/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90723	Web	Servicemember

03/20/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75216	Web

03/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33476	Web

03/17/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30003	Web

03/16/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 10941	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NJ 07205	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23223	Web

03/16/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Incorrect information on your report Account information incorrect	TX 77338	Web

03/14/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 92307	Web

03/13/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 22153	Web

03/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32169	Web

03/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29073	Web

03/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11950	Web

03/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07111	Web

03/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 49508	Web	Servicemember

03/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 37040	Web

03/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	TX 77077	Web

03/08/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OH 44146	Web

03/06/2023	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	GA 30144	Web

03/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33605	Web

03/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32960	Web

03/03/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	CA 90064	Web

03/03/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 17025	Web

03/01/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29505	Web

02/27/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33510	Web

02/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32804	Web

02/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33147	Web

02/27/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	OH 43537	Web

02/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21061	Web

02/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60620	Web

02/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44146	Web

02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19139	Web

02/20/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	TN 37701	Web

02/20/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 45040	Web

02/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 383XX	Web

02/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75160	Web	Servicemember

02/13/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NH 03062	Web

02/13/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	PA 19362	Phone

02/11/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NC 28270	Web

02/10/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	VA 22153	Web

02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11233	Web

02/09/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NE 68503	Web

02/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29061	Web

02/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 23220	Web

02/07/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77014	Web

02/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19140	Web

02/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48227	Web

02/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07513	Web

02/03/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	WI 53210	Web

02/03/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TN 38016	Web

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77089	Web

02/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33147	Web

01/31/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20634	Web

01/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31707	Web

01/31/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	FL 32205	Web

01/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 71115	Web

01/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48240	Web

01/30/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32605	Web

01/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	PA 17078	Web

01/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30080	Web

01/25/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OH 44146	Web

01/24/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11710	Web

01/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60615	Web

01/24/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 32117	Web

01/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KS 66441	Web

01/23/2023	Yes	Payday loan, title loan, or personal loan Installment loan	Charged fees or interest you didn't expect	OH 44044	Phone

01/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28273	Web

01/20/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30319	Web

01/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32839	Web

01/18/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	GA 30041	Web

01/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	MA 027XX	Web

01/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30043	Web

01/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19040	Web

01/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60443	Web	Servicemember

01/12/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NV 89434	Web

01/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07107	Web

01/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 07753	Web	Older American

01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10451	Web

01/11/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19149	Web

01/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06905	Web

01/06/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43123	Web

01/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92614	Web

01/04/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91915	Web

01/02/2023	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	PA 19140	Web

12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48205	Web

12/27/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30331	Web

12/26/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75232	Web

12/26/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	GA 30052	Web

12/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32301	Web

12/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21093	Web

12/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77077	Web

12/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60707	Web

12/20/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	OK 74857	Web	Servicemember

12/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19149	Web

12/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 45458	Referral

12/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 93705	Web

12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AR 71603	Web

12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 391XX	Web

12/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11213	Web	Servicemember

12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30228	Web

12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL XXXXX	Web

12/05/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 43228	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75208	Web

12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32218	Web

11/28/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30038	Web

11/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60655	Web

11/27/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11220	Web

11/27/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33319	Web

11/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 61761	Web

11/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75056	Web

11/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48238	Web	Servicemember

11/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34654	Web

11/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 37122	Web

11/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94531	Web

11/15/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30052	Web

11/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 15001	Web

11/08/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30339	Web

10/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 45426	Web

10/28/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KS 66210	Web

10/27/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	FL 34683	Web

10/27/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AR 72088	Web

10/23/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TN 37615	Web	Servicemember

10/22/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30038	Web

10/21/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32195	Web

10/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95355	Web

10/20/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OH 44146	Web

10/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 60620	Web

10/14/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 37174	Web

10/13/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 34986	Web

10/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29303	Web

10/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30038	Web

10/10/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 49501	Web

10/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 37209	Web

10/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 14214	Web

10/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37121	Web

10/05/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 14215	Web

10/05/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60452	Web

10/03/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11102	Web

09/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29205	Web

09/28/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 10453	Web

09/28/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	AL 36362	Web	Servicemember

09/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33025	Web

09/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 14215	Web

09/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	OH 44146	Web

09/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37209	Web

09/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46802	Web

09/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90036	Web

09/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 92801	Postal mail

09/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33073	Phone

09/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33032	Phone

09/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	KY 40511	Web

09/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33594	Web

09/15/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OH 44203	Web

09/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30281	Web

09/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web

09/09/2022	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	GA 30813	Web

09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 37209	Web

09/06/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	VA 23608	Web	Servicemember

09/03/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77515	Web	Servicemember

09/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35071	Web

08/31/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92109	Web	Servicemember

08/29/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	WI 54026	Web

08/25/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NJ 07006	Web

08/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33029	Phone

08/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 43228	Web

08/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	WI 53223	Web

08/20/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37209	Web

08/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95355	Web

08/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19050	Web	Servicemember

08/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90057	Web

08/16/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	DE 19802	Web	Servicemember

08/11/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	GA 30052	Web

08/10/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 71119	Web

08/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 43228	Web

08/07/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NC 27893	Web

08/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 93313	Web

08/05/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 33426	Web

08/05/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75501	Web

08/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 45417	Web

07/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20904	Web

07/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19050	Web

07/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37042	Web	Servicemember

07/18/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29940	Web

07/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19140	Web

07/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33914	Web

07/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95355	Web

07/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95355	Web

07/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 11412	Web

07/09/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	SC 29650	Web

07/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76180	Web

07/05/2022	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	ND 58103	Web

07/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38116	Web

06/27/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37135	Web

06/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 17042	Web

06/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75409	Web

06/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28376	Web

06/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	FL 34986	Web

06/15/2022	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	GA 31405	Web

06/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AL 36277	Web

06/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32839	Web	Servicemember

06/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30213	Web

06/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95355	Web

06/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95355	Web

06/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 63107	Web

06/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MO 65043	Web

06/02/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30041	Web

06/01/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 39046	Web

05/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75068	Web

05/26/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 21502	Web

05/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 94541	Web

05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34683	Web

05/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 39232	Web

05/18/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32908	Web

05/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30736	Web

05/17/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 10030	Web

05/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30326	Web

05/14/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 77075	Web

05/10/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MS 38654	Phone

05/06/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 34786	Referral

05/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 91614	Web

05/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30238	Web

05/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 17602	Web

04/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91945	Web

04/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37040	Web

04/26/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	KY 40511	Web

04/25/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	SC 29568	Web

04/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77520	Web

04/20/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77016	Web

04/20/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30326	Web

04/19/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MI 48312	Web

04/18/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32117	Web

04/14/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	DE 19805	Web

04/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 91730	Web

04/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NE 68508	Web

04/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11235	Web

04/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MS 39046	Web

04/07/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	MD 20906	Postal mail

04/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30342	Web	Servicemember

04/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06070	Web

04/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95242	Web

03/31/2022	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	GA 30080	Web

03/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 37040	Web

03/29/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19124	Web

03/28/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75243	Web

03/28/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 22306	Web

03/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 94513	Web

03/24/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OK 73025	Web

03/24/2022	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	OK 73025	Web

03/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77070	Web

03/22/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76063	Web

03/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CT 06070	Web

03/15/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CO 80026	Web

03/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	FL 33510	Web

03/09/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	FL 33872	Web

03/08/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32218	Web

03/07/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OK 73025	Web

03/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30134	Web

03/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33132	Web

03/02/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	CA 92530	Web

02/25/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CT 06706	Web

02/18/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 77389	Web	Servicemember

02/18/2022	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	MS 38930	Web

02/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38125	Web

02/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28216	Web

02/09/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 33904	Web

02/07/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37066	Web

02/07/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MS 39046	Web

02/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19111	Web	Servicemember

01/29/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Charged fees or interest you didn't expect	SC 29341	Web

01/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WI 53151	Web

01/23/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38261	Web

01/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77662	Web

01/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KS 67206	Web

01/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30083	Web

01/12/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60601	Web

01/11/2022	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	TN 38106	Web

01/07/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38128	Web

01/06/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 79912	Web

01/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34787	Web

12/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33435	Web

12/27/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75039	Web

12/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29229	Web	Servicemember

12/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77379	Web

12/19/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11758	Web

12/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76119	Web

12/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91911	Phone	Older American

12/12/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08629	Web

12/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29445	Web

12/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 23462	Web

12/07/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11364	Web

12/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60402	Web

12/05/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	SC 29229	Web	Servicemember

11/24/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23223	Web

11/22/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 28213	Web

11/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	SC 29229	Web	Servicemember

11/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 76123	Web

11/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38134	Web

11/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11501	Web

11/15/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08244	Web

11/11/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29048	Web

11/09/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	GA 30078	Web

11/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27265	Web	Servicemember

11/02/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 94703	Web

10/29/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11758	Web

10/26/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 78046	Web

10/24/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	RI 02860	Web

10/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 32217	Web

10/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33544	Web

10/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10461	Web

10/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60652	Web

10/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37167	Web

10/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92395	Web

10/07/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NV 89103	Web

10/06/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 75104	Web

10/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	WA 98444	Web

10/04/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	OR 97702	Web

10/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 01062	Web

09/30/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	LA 70508	Web	Servicemember

09/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29697	Web	Servicemember

09/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KS 67067	Web

09/17/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37604	Web	Servicemember

07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	DE 19709	Web

06/24/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WI 53089	Web

06/16/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	FL 32765	Postal mail

06/08/2021	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	ID 83801	Web

05/12/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 37115	Web

04/22/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38060	Web	Servicemember

04/07/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 77084	Web

03/29/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32828	Web

01/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38125	Web

01/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37130	Web

08/31/2020	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TN 38583	Web	Servicemember

02/20/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 37404	Postal mail