Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5812569
Complaint Overview
Complaint ID: 5812569
Company: Spring Oaks Capital, LLC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Investigation took more than 30 days
State: Texas
ZIP Code: 75071
Date Received: 2022-07-26T12:00:00-05:00
Date Sent to Company: 2022-07-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
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.
Frequently Asked Questions
What is Complaint #5812569 about?
Complaint #5812569 was filed against Spring Oaks Capital, LLC regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2022-07-26T12:00:00-05:00.
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.