Product: Debt collection

Formal Complaint : Violations of FDCPA and FCRA by Radius Global Solutions LLC XX/XX/XXXX To Whom It May Concern, This letter serves as a formal complaint against Radius Global Solutions LLC for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These violations have resulted in significant harm to my consumer rights and credit standing. This complaint is being submitted to the Ohio Attorney General, the Consumer Financial Protection Bureau ( CFPB ), and the Federal Trade Commission ( FTC ) for review and potential enforcement.

FDCPA Violations Failure to Validate the Debt ( 15 U.S.C. 1692g ) On XX/XX/XXXX, I submitted a written request for proper validation of an alleged debt. The response I received, dated XX/XX/XXXX, failed to provide the legally required documentation such as proof of ownership, the original signed agreement, or a detailed and verifiable accounting of the debt. Instead, your correspondence inaccurately labeled the account as valid and accurate without fulfilling the statutory obligations of 1692g ( b ). Illegible photocopies and conclusory statements do not satisfy the FDCPAs validation requirements.

Continuing Collection During Dispute ( 1692g ( b ) ) Despite the account being in active dispute, your company continued to report updates to credit bureaus on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These updates included the misleading notation dispute resolved, which was made prior to my receipt or review of your inadequate response. Continuing collection and reporting activities without proper validation is a clear violation of 1692g ( b ).

False and Misleading Representations ( 1692e ) By stating that the debt was resolved and valid in your communications despite failure to validate and reporting those misrepresentations to credit agencies, your company violated : 1692e ( 2 ) : Misrepresentation of the character, amount, or legal status of a debt.

1692e ( 8 ) : Communicating false or misleading information to a credit reporting agency.

1692e ( 10 ) : Use of deceptive means to collect or attempt to collect a debt.

Failure to Provide Timely and Compliant Notice of Debt ( 1692g ( a ) ( 1 ) ( 5 ) ) Upon reviewing my records, I discovered that Radius Global Solutions LLC began reporting the alleged debt as early as XX/XX/XXXX. However, I did not receive any initial written communication regarding the debt until XX/XX/XXXX. This failure to provide timely notice violated 1692g ( a ), which requires debt collectors to send a notice containing specific consumer rights within five days of the initial communication.

Moreover, the notice I eventually received omitted the mandatory disclosure that I had 30 days to dispute the validity of the debt and to request verification. This omission constitutes a direct violation of 1692g ( a ) ( 4 ) and further impaired my ability to exercise my rights under federal law.

FCRA Violations Failure to Conduct Reasonable Investigation ( 1681s2 ( b ) ) After receiving notice of my dispute, your company failed to conduct a reasonable investigation prior to continuing to report the disputed tradeline. This conduct violates your obligations under 15 U.S.C. 1681s2 ( b ).

Failure to Report Debt as Disputed ( 1681c ( f ) ) While the account was under formal dispute, you continued to report updates to credit agencies without noting that the debt was disputed. This omission misled consumer reporting agencies and violated 15 U.S.C. 1681c ( f ).

Furnishing Inaccurate or Misleading Information ( 1681s2 ( a ) ) Your credit reporting included duplicate reporting dates and inaccurate balances, submitted without proper validation. This resulted in materially misleading information being published on my consumer report in violation of 1681s2 ( a ).

Prior Demand for Cure and Damages ( Unanswered ) On XX/XX/XXXX, I issued a formal Opportunity to Cure letter to Radius Global Solutions LLC, outlining the violations and providing 15 calendar days to either validate the debt, cease unlawful activity, or remit payment for damages. My demand included the following : {$1000.00} for FDCPA statutory damages under 1692k ( a ) ( 2 ) ( A ), {$3000.00} for FCRA statutory violations under 1681n, including 1681s2 ( a ), 1681s2 ( b ), and 1681c ( f ), {$2000.00} for administrative time, costs, and harm resulting from these violations.

Total : {$6000.00} I provided the company a fair opportunity to resolve the matter amicably. After no response was received, I issued a formal Default Notice on XX/XX/XXXX, and offered an additional 15-day grace period to rectify the violations.

To date, there has been no response, nor have any of the unlawful actions been remedied. A copy of the original demand letter is included with this complaint as evidence of my good-faith effort to resolve the issue prior to regulatory escalation.

Please acknowledge this complaint as a request for investigation and appropriate action. I request that Radius Global Solutions LLC be held accountable for its ongoing violations of federal consumer protection laws.