Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX XXXX XXXX Date : XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Subject : Formal Complaint Against XXXX XXXX and Radius Global Solutions for Unauthorized Debt Sale and Negative Credit Reporting Introduction : I am writing to express my serious concerns and to file a formal complaint against XXXX XXXX for their incorrect negative reporting on my credit report concerning equipment they allege was not returned. Furthermore, this situation has been compounded by XXXX XXXX 's decision to sell the alleged debt to Radius Global Solutions without my knowledge or consent. This series of actions has been especially challenging to address due to my XXXX XXXX condition, which significantly limits my ability to navigate these disputes effectively. 

Narrative of Events : After terminating my services with XXXX XXXX, I fulfilled my obligation by returning their equipment as instructed. Despite this, XXXX XXXX has continued to assert that they have not received the equipment, leading to negative marks on my credit report. Efforts to resolve this misunderstanding have been hampered by my XXXX XXXX  condition, making it exceedingly difficult to engage in prolonged disputes. 

Complicating matters further, I recently discovered that XXXX XXXX sold the alleged debt to Radius Global Solutions without informing me or obtaining my consent. This action has not only added to my distress but also violated my rights as a consumer, as I was not given an opportunity to rectify the situation before the debt sale. 

Violations and Requested Resolution : Fair Debt Collection Practices Act ( FDCPA ) : The sale of the debt to Radius Global Solutions and their subsequent collection attempts may violate the FDCPA, which protects consumers from deceptive and abusive collection practices. 

Fair Credit Reporting Act ( FCRA ) : XXXX XXXX 's negative reporting on my credit report, based on disputed claims of non-returned equipment, likely violates the FCRA 's requirements for accurate and fair credit reporting. 

Americans with Disabilities Act ( ADA ) : The lack of accommodation for my XXXX  XXXX condition, affecting my ability to manage and dispute these claims, raises concerns under the ADA. 

I request the CFPB to : Investigate the negative credit reporting by XXXX XXXX and the sale of the debt to Radius Global Solutions, particularly focusing on the lack of communication and consent in this process. 
Mandate the immediate removal of the negative marks from my credit report related to this dispute and ensure any inaccuracies are corrected. 
Review the actions of XXXX XXXX and Radius Global Solutions for compliance with the FDCPA and FCRA, and take appropriate action to address any violations. 
Provide guidance or mediation to facilitate a resolution that acknowledges my efforts to return the equipment and considers my XXXX XXXX condition. 
Conclusion : The handling of my account by XXXX XXXX and the subsequent actions by Radius Global Solutions have not only resulted in unwarranted financial stress but have also had a significant impact on my XXXX XXXX. I urge the CFPB to take swift action to correct these injustices and ensure that similar practices are not employed against other consumers. 

Sincerely, XXXX XXXX