Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Radius Global Solutions LLC XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Re : Response to Debt Validation CFPB Complaint Your Case No. : XXXX XXXX XXXX XXXX. : XXXX Account XXXX : XXXX Dear XXXX XXXX, I am writing to formally respond to your letter dated XX/XX/XXXX, regarding the debt associated with the above-referenced account. Upon review of the documentation you provided, it is clear that your response fails to meet the legal requirements for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other applicable laws. Specifically, your documentation does not provide sufficient proof of the validity of the debt. 

Additionally, I must inform you that the items being disputed in this matter are currently under litigation. As such, any collection activities related to this debt are subject to the outcome of the legal proceedings, and any further collection actions must cease until the litigation has concluded. 

I demand the following documents to properly validate this debt and confirm the legitimacy of this account : 1. Proof of Original Debt A copy of the original signed contract or agreement between me and XXXX XXXX proving I owe this debt and that you have the legal right to collect on it. Under 15 U.S.C. 1692g ( a ) ( 1 ), you are required to provide validation of the debt amount and creditor.

2. Charge-Off Date The specific date on which this account was charged off by XXXX XXXX  XXXX This is critical for determining the timeline for any potential reporting violations under the FCRA. Under 15 U.S.C. 1681c, credit reports must reflect accurate dates and account status.

3. 1099-C Form A copy of the 1099-C ( Cancellation of Debt ) form that was issued by XXXX XXXX  for this account XXXX if applicable. Under 26 U.S.C. 6050P, creditors are required to file a XXXX form when a debt is forgiven or canceled, and the IRS i

s notified. This is crucial for determining whether the debt has been legally forgiven or settled. 4. Insurance Claim Documentation Any records indicating that an insurance claim was filed for this debt
by XXXX XXXX or any creditor involved. If an insurance claim was submitted to cover this debt, it is essential to show how that may affect the balance owed. Under 15 U.S.C. 1681s-2, all relevant information impacting the debt should be disclosed to credit reporting agencies and consumers. 
5. Detailed Itemization of the Debt A breakdown of the debt, including the original balance, interest, fees, and any additional charges or collection fees added by XXXX XXXX. This should also include an explanation of why these charges were applied. Under 15 U.S.C. 1692g ( a ) ( 2 ), you are required to explain the nature of the debt in detail, including fees that may have been added.

6. Proof of Debt Ownership Documentation proving Radius Global Solutions LLC has the legal right to collect this debt on behalf of XXXX XXXX. This must include all necessary assignments, transfers, or contractual agreements. Without this proof, the debt is unvalidated and collection efforts are unlawful. Under 15 U.S.C. 1692g ( a ) ( 4 ), you must provide this proof in response to my dispute. 


7. Affidavit of Debt Validation A signed affidavit from XXXX XXXX or its authorized representative affirming the accuracy of the debt and your authority to collect it. Under 15 U.S.C. 1692g ( b ), once a dispute is filed, collection efforts must cease until the debt is validated, and failure to validate it can result in legal consequences. 
8. Signature of Approval A signed statement from you or an authorized representative affirming the debt 's legitimacy and your legal authority to collect on it. Without such a signature, I will consider this debt unverified, and I will assert that all further collection efforts are in violation of the law. Under U.S. Constitutional Law, particularly the Due Process Clause of the XXXX Amendment, I am entitled to full documentation and a fair process. 
I also want to remind you of your obligations under the FDCPA and FCRA. Under 15 U.S.C. 1692c, I have explicitly requested all communication in writing. Any attempts to contact me via telephone are unauthorized. Furthermore, under 15 U.S.C. 1681e ( b ), any information reported to the credit bureaus must be accurate and complete. If any of the information regarding this debt is found to be inaccurate or unverified, it must be removed. 

Estoppel by Silence : I invoke the doctrine of estoppel by silence, as established in the case XXXX v. XXXX, XXXX XXXX XXXX ( XXXX. App. XXXX ). This doctrine prevents you from asserting claims or defenses regarding this debt if you fail to provide the requested validation documents in a timely manner. Your failure to comply with this request will result in the presumption that the debt is invalid and that you no longer have the right to collect or report it. 

Failure to Provide Validation : If you fail to provide the requested validation documentation within 30 days, I will consider this debt invalid and demand the immediate deletion of this account from my credit report under 15 U.S.C. 1681i ( a ) ( 1 ). Failure to comply with 15 U.S.C. 1692g ( a ) may also result in an immediate dispute being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney general 's office. 
Cease Collection Activities : Under 15 U.S.C. 1692g ( b ), once a debt is disputed, you must cease all collection activities until the debt is validated. Therefore, I demand that you cease all communication and reporting activities regarding this debt until you have provided the necessary validation. If you do not comply, I will take further legal action to hold you accountable for any violations of the FDCPA, FCRA, and other applicable consumer protection laws.

Please consider this letter a formal request for complete and proper debt validation. I expect to receive the requested documents within the required XXXX period. Failure to comply will leave me with no option but to take appropriate legal action. 

Sincerely, XXXX XXXX