Credit reporting or other personal consumer reports — Spring Oaks Capital, LLC (CA)

Reporting company used your report improperly. Re : Account Number XXXXXXXX XXXX XXXX XXXX XXXX Dear Collector : My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : XXXX ) An explanation of what this alleged account balance is for. XXXX ) A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. XXXX ) Documentation that shows I agreed to pay this debt with my signature and documentation shows i gave you permission to have my inf