Consumer complaint received 2023-01-16
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit reports for accuracy as I am pre-qualified for my first mortgage through the XXXX XXXX XXXX XXXX program, and I saw one incorrect trade line for an account from Radius Global Solutions LLC for XXXX, one is { {$680.00} }. 

Both account statuses show past due, and they should not say that as these debts are not owed. I am requesting both a validation and " verification '' as well as the signed XXXX release with my signature as the item being reported to the credit bureaus by Radius Global is a VIOLATION of the XXXX XXXX of XXXX. 

After reviewing my credit profile on XX/XX/XXXX, I identified a discrepancy with account # xxxx for the amount of {$680.00} that was still listed under my credit profile. Validation was requested as this was an account I needed to recognize. I reviewed my credit report again on XX/XX/XXXX, and the account continues to reflect on my credit report. I have not received any correspondence from the creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed. Therefore, a 2nd validation letter was sent out on this day. 

After reviewing the credit report again on XX/XX/XXXX, there have been no updates, and the account is still reflecting on the report. I do not believe the account belongs to me, nor that the creditor has the authorization to access the account nor authorization to attempt to collect on the account. The account continues to affect me negatively. Please strike and remove this account from all three credit bureaus until adequate validation has been received, proving that the account belongs to me and that all information is correct. 

I am requesting both a validation and " verification '' as well as the signed XXXX release with my signature as the item being reported to the credit bureaus by Radius Global is a VIOLATION of the XXXX XXXX. Radius Global did NOT provide me a XXXX release that releases my medical information to them ; therefore, by Radius Global providing such information, they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against Radius Global should this item be retained within 10 business days and until the debt has been validated and verified. Radius Global is violating XXXX regulations, facing fines of up to { {$1000.00} }, and even possible jail time. 

I am seeking a legal remedy immediately as I have contacted XXXX XXXX to obtain an attorney for free to file suit against Radius Global, XXXX XXXX, and all XXXX credit bureaus : XXXX, XXXX, and XXXX. 

Each of these bureaus has experienced a data breach that has put my personal information in harm 's way for identity theft. I believe this is a result of the data breach. I urge you to take this extremely seriously, as I have documented my case without any errors. I encourage a response from Radius Global expeditiously, as I have yet to learn where this debt is coming from, and I do not owe this company any money. Additionally, I can prove that I was unemployed due to and homeless at the time of service. 

In accordance with the Fair Credit Reporting Act, Radius Global Solutions has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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