Consumer complaint received 2023-10-11
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed an account on my credit reports from a company called RADIUS GLOBAL SOLUTIONS that I had no business relationship with. RADIUS GLOBAL SOLUTIONS was attempting to collect on a an alleged debt in the amount of {$530.00}. I sent RADIUS GLOBAL SOLUTIONS a letter via mail along with a copy of my identity theft report outlining that the account was fraudulent and a result of identity theft. I also disputed this fraudulent RADIUS GLOBAL SOLUTIONS account with the credit bureaus. RADIUS GLOBAL SOLUTIONS however continued reporting this fraudulent RADIUS GLOBAL SOLUTIONS account with the credit bureaus. I saw the fraudulent RADIUS GLOBAL SOLUTIONS account XXXX, XXXX, XX/XX/2023 on my credit reports. I sent RADIUS GLOBAL SOLUTIONS a DEBT VALIDATION LETTER via certified mail XX/XX/2023 requesting the agreement between RADIUS GLOBAL SOLUTIONS and myself and the original application for the account. RADIUS GLOBAL SOLUTIONS violated the FCRA 15 U.S.C. 1681g ( d ) by failing to provide the evidence requested after being notified about the identity theft. FCRA 15 U.S.C. 1681g ( e ) states .... a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity.. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) RADIUS GLOBAL SOLUTIONS was required to cease collection efforts until the alleged debt was validated but failed to do so. RADIUS GLOBAL SOLUTIONS continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ) and the Florida Consumer Collection Practices Act. I then sent RADIUS GLOBAL SOLUTIONS a FAILURE TO RESPOND letter via mail XX/XX/2023. RADIUS GLOBAL SOLUTIONS violated the FDCPA 15 U.S.C. 1692e ( 2 ) and the FCCPA In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. RADIUS GLOBAL SOLUTIONS violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. RADIUS GLOBAL SOLUTIONS violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated. Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) RADIUS GLOBAL SOLUTIONS was required to cease collection efforts until the alleged debt was validated but failed to do so. RADIUS GLOBAL SOLUTIONS continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). Additionally, RADIUS GLOBAL SOLUTIONS FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a FAILURE TO RESPOND letter via mail XX/XX/2023 and did not send me the documents requested. RADIUS GLOBAL SOLUTIONS violated the FCRA 15 U.S.C. 1681i by not validating the alleged debt within 30 days. I saw the fraudulent RADIUS GLOBAL SOLUTIONS account XX/XX/2023 on my credit reports and it is still there as of this filing.

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