Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14353426
Complaint Overview
Complaint ID: 14353426
Company: Spring Oaks Capital, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: New Jersey
ZIP Code: 07055
Date Received: 2025-06-28T12:00:00-05:00
Date Sent to Company: 2025-06-28T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
RE : CEASE AND DESIST DEMAND Unlawful Credit Reporting / Collection Practices To Whom It May Concern : This letter serves as a formal demand that you immediately cease and desist from all further attempts to contact me regarding the alleged debt/account referenced below : I am asserting my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ) and/or the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). You are hereby notified to stop all communication with me, my family, and my employer regarding this matter, effective immediately. If this debt is being reported to any credit reporting agency ( e.g., Equifax, Experian, TransUnion ), and it is inaccurate, unverifiable, or being reported without proper validation, you must take immediate steps to correct or remove this information. Continued reporting of false or unverified debt is a direct violation of federal law. You are required to : XXXX. Cease all forms of communication with me regarding this matter, including phone calls, emails, letters, or messages to third parties. XXXX. Cease reporting inaccurate or unverifiable information to any credit bureau. XXXX. Provide written verification of the alleged debt within 30 days, if you intend to pursue collection, per 15 U.S.C. 1692g. If you fail to comply, I will pursue all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or taking legal action to recover statutory damages, court costs, and attorneys fees. This letter is being sent via [ certified mail/email/fax ] and serves as written notice under applicable federal and state laws. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #14353426 about?
Complaint #14353426 was filed against Spring Oaks Capital, LLC regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-06-28T12:00:00-05:00.
How did Spring Oaks Capital, LLC respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.