Consumer complaint received 2023-11-27
Company: Radius Global Solutions LLC
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX  posted a negative inquiry on my credit report that i did not recognize and was not authorized by me because I was in XXXX XXXX XXXX and is in violations of 15 U.S.C . Chapter 41 subchapter lll Section 1681b ( a ) ( 2 ) ( c ) ( 1 ) ( A ), ( 5 ) ( A ) ( ii ) ( l ) ( ll ). I Filed my disputes on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX a negative inquiry on my credit report that i did not recognized and was not authorized by me because I was XXXX XXXX XXXX and is in violation of 15 U.S.C. Chapter 41 subchapter lll Section 1681b ( a ) ( 2 ) ( c ) ( 1 ) ( A ), ( 5 ) ( A ) ( ii ) ( l ) ( ll ). I Filed my disputes on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX posted a negative inquiries on my report that I did not recognized and was not authorized by me because i was XXXX XXXX XXXX  XXXX and was done in violation of 15 U.S.C . Chapter 41 subchapter lll Section 1681b ( a ) ( 2 ) ( c ) ( 1 ) ( A ), ( 5 ) ( A ) ( ii ) ( l ) ( ll ). I filed my dispute on XX/XX/XXXX XXXX XXXX XXXX  posted a negative inquiry on my credit report that i did not recongnize and was not authorized by me because i was XXXX XXXX XXXX  and is violation of 15 U.S.C. Chapter 41 subchapter lll Section 1681b ( a ) ( 2 ) ( c ) ( 1 ) ( A ), ( 5 ) ( A ) ( ii ) ( l ) ( ll ). I Filed my dispute on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX a negative collection account on my credit report that I did not recognize and was not authoried by me because i was XXXX XXXX XXXX which violates 15 U.S.C. Chapter 41 subchapter lll Section 1681b ( a ) ( 2 ) ( c ) ( 1 ) ( A ), ( 5 ) ( A ) ( ii ) ( l ) ( ll ). 
XXXX XXXX XXXX XXXX a negative collection account for {$1300.00} on my credit report through XXXX XXXX XXXX in which was closed then charged-off/ and sent to its internal collections department which is activily reporting through XXXX which shows that 100 % of the payments were paid on time. Once a account is closed and debt/ balance is charged-off there can be no collection on that account for the debt has been XXXX by the original creditor. 
* XX/XX/XXXX XXXX XXXX XXXX an collection agency for original creditor XXXX XXXX XXXX posted a negative collection account for {$2800.00} on my credit report through XXXX and XXXX in which the original date of the opening of the account was XX/XX/XXXX. This account was charged-off and closed which means the debt/ account was XXXX by the original creditor and thus no debt should be sent to any collection agency. I do not recognize this account and was not authorized by me and is in violation of XXXX XXXX. Chapter XXXX subchapter lll Section XXXX ( a ) ( XXXX ) ( c ) ( XXXX ) ( A ), ( XXXX ) ( A ) ( ii ) ( l ) ( ll ). 
* XX/XX/XXXX XXXX Government XXXX XXXX XXXX reported to XXXX, XXXX and XXXX an closed overdue automotive loan account in my name for {$13000.00} in which 44 % of the principle balance was paid leaving the remaining balance of {$7300.00} due. On XX/XX/XXXX - XX/XX/XXXX the vehicle was repossessed and foreclosed/ the remaining balance was on the account was closed and charged-off and the unpaid balance was reported as a profit and loss write-off by the XXXX. By doing so the creditor canceled/ XXXX the remaining debt between the creditor and debtor, and releasing the debtor of any further obligation to any debt. SO i do not recognize these accounts because they are fraudulent and incorrect because no debt is owed. 
XXXX Local Government XXXX XXXX XXXX XXXX to XXXX XXXX XXXX and XXXX XXXX {$5000.00} unsecured loan account was opened in my name and only 87 % of the balance was paid leaving a remaining balance of {$4300.00} on the account. In XXXX, XXXX the account was closed and the remaining unpaid balance was XXXX XXXX and reported as profit or loss write-off by the XXXX. By doing so all debtors obligations were eliminated thus I do not recognized these activities and they were not authorized by me as they are fraudulent and incorrect as shown on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation