Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4387679
Complaint Overview
Complaint ID: 4387679
Company: Spring Oaks Capital, LLC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Washington
ZIP Code: 98004
Date Received: 2021-05-18T12:00:00-05:00
Date Sent to Company: 2021-05-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
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.
Frequently Asked Questions
What is Complaint #4387679 about?
Complaint #4387679 was filed against Spring Oaks Capital, LLC regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-05-18T12:00:00-05:00.
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, credit repair services, 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.