Product: Debt collection

XXXX XXXX for XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Solutions, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Minnesota XXXX Subject : XXXX XXXX for XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Dear Radius Global Solutions, This letter serves as a formal demand for monetary relief for your repeated and documented violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Below, I outline each violation, its explanation, and the corresponding demand for compensation. 

Violations of the FDCPA ( Fair Debt Collection Practices Act ) Failure to Cease Collection After Dispute - {$1000.00} Under FDCPA 1692c ( c ), when I disputed the debt and indicated it was fraudulent, you were legally required to cease all collection activities until validation was provided. Despite my notice of dispute on XX/XX/year>, you continued to report the debt to credit bureaus and maintained collection efforts. 
Failure to Investigate Fraud Promptly - {$1000.00} Under FDCPA 1692g ( b ), you must cease collection activities and validate the debt upon receiving notice of a dispute. Your own response indicates that you only requested validation from XXXX XXXX XXXX after my CFPB complaint on XX/XX/XXXX, XXXXover four months after my initial dispute. This unreasonable delay violates the FDCPA. 
Improper Communication Despite Cease-and-Desist - {$1000.00} Under FDCPA 1692c ( c ), all communications should have stopped after my cease-and-desist demand. However, your records show continued attempts to collect the debt, including the reporting of the debt to XXXX and XXXX in XX/XX/year>. 
Misleading Representations About Compliance and the XXXX - {$1000.00} Under FDCPA 1692e, you are prohibited from using false or misleading representations. Your response letter falsely claimed compliance with credit reporting laws despite your continued reporting of an account that you admitted had discrepancies with my personal information. 
Failure to Report the XXXX as Disputed - {$1000.00} Under FDCPA 1692e ( 8 ), you are required to notify credit reporting agencies that a debt is disputed. Between XX/XX/year>, and XX/XX/year>, you continued to report the debt without marking it as disputed, violating this requirement. 
Continuing Collection Efforts After Fraud Report - {$1000.00} By keeping the debt in a restricted status and requiring me to complete XXXX XXXX XXXX fraud process instead of resolving the matter, you continued collection activities in violation of FDCPA 1692f, which prohibits unfair practices.

Total for FDCPA Violations : {$6000.00} Violations of the FCRA ( Fair Credit Reporting Act ) Furnishing Inaccurate Information - {$1000.00} Under FCRA 623 ( a ), furnishers of credit information must ensure the accuracy of the information they report. Despite knowing the debt was disputed and that my details did not match the account, you reported the debt to credit bureaus in XX/XX/year>, which constitutes a violation. 
Delaying Removal of Inaccurate Information - {$1000.00} You admitted in your response that you requested the removal of the account from my credit report only after my CFPB complaint on XX/XX/year>. The delay in correcting known inaccuracies violates FCRA 623 ( a ).

Neglecting Reasonable Investigation into Fraud Claims - {$1000.00} Under FCRA 623 ( b ), furnishers are required to conduct a reasonable investigation upon receiving a dispute. Your response shows a failure to investigate promptly, as no action was taken to validate the debt until months after my initial dispute. 
4. Failure to Protect Identity Theft Rights - {$1000.00} Under FCRA 605B, I am entitled to have fraudulent accounts blocked from my credit report upon providing appropriate documentation. You failed to inform me of this right or assist in blocking the fraudulent account. 
5. Failure to XXXX XXXX with Actions - {$1000.00} Even after the account was removed from my credit report, you continued to describe it as restricted rather than fully resolved in your formal response. This failure to align your records with the facts may cause future harm and violates your duty under the FCRA. 

Total for FCRA Violations : {$5000.00} Other Consumer Protection Failures and Negligence 1. Prolonging Harm Through Delays- {$1000.00} The delayed response to my fraud dispute, combined with your failure to act promptly, caused me unnecessary distress and damage to my credit.

2. Failure to Clearly Inform Me of My Rights - {$1000.00} Your communications failed to adequately explain my rights under the FDCPA and FCRA, particularly regarding the fraud dispute process.

Total for Other Failures : {$2000.00} Total Amount Demanded FDCPA Violations : {$6000.00} FCRA Violations : {$5000.00} Other Failures : {$2000.00} Total Demand Amount : {$13000.00} Notice of Intent to Escalate If this amount is not paid in full within 15 days of this letter, I will take the following actions : XXXX. File complaints with the Office of the Comptroller of the Currency ( OCC ), the Federal Trade Commission ( FTC ), and the Michigan State Attorney Generals Office.

2. Initiate legal proceedings to claim damages under the FDCPA, FCRA, and other applicable laws. 

This matter has caused significant stress, inconvenience, and potential damage to my creditworthiness. I reserve the right to seek further damages, including punitive damages, should this matter escalate to litigation. 

Payment must be made via certified check or money order to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

Failure to respond or comply within the specified timeframe will result in legal escalation without further notice.