Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11530074
Complaint Overview
Complaint ID: 11530074
Company: Spring Oaks Capital, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Georgia
ZIP Code: 304XX
Date Received: 2025-01-14T12:00:00-05:00
Date Sent to Company: 2025-01-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear XXXX, XXXX, XXXX I am writing to formally dispute the accuracy of certain information listed on my credit report. Under Section 609 of the Fair Credit Reporting Act ( FCRA ), I request that you validate the accuracy of the following account ( XXXX ) appearing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL ACCOUNTS SAME XXXX. XXXX XXXXXXXX SPRING OAKS CAPITAL I request that you provide the following : 3. Copies of any signed agreements or contracts with my signature that verify my responsibility for this account. 4. Documentation detailing the chain of ownership of the debt if applicable. 5. Any additional evidence used to verify the accuracy of this account 's reporting. If you can not provide this information, I request that the disputed account ( s ) be promptly removed from my credit report under Section 611 of the FCRA. Please include the results of your investigation, as well as an updated copy of my credit report, to reflect any changes. I have enclosed a copy of my government-issued ID and a utility bill to verify my identity. I look forward to your response within the 30-day time frame as required by law. If you require additional information, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX ________________________________________
Frequently Asked Questions
What is Complaint #11530074 about?
Complaint #11530074 was filed against Spring Oaks Capital, LLC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-01-14T12:00:00-05:00.
How did Spring Oaks Capital, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Spring Oaks Capital, LLC?
Yes, visit the Spring Oaks Capital, LLC company profile at readthecomplaint.com/company/spring-oaks-capital-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.