Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Radius Global Solutions LLC (MD)

This complaint is against XXXX XXXX XXXX XXXX, Account No. XXXX and Radius Global Solutions LLC, collection agency on behalf of XXXX XXXX XXXX XXXX regarding XXXX  XXXX XXXX financed by XXXX XXXX XXXX XXXX. Complaint involves XXXX XXXX XXXX   XXXX not honoring settlement made with Radius Global Solutions LLC. 

I am a XXXX retiree. On XX/XX/XXXX while I was driving the XXXX XXXX, I experienced a health crisis and crashed onto the sidewalk and hit a tree which stopped the vehicle from further destruction. I was hospitalized for 7 days at the XXXX  Hospital Center in Washington, D.C. The cost of the medical treatment I received in the hospital and follow up medical treatment I received as an out-patient  was substantial. I had to pay 20 % of the hospital bill, co pays for follow up office visits and purchase medications. The unexpected substantial medical expenses caused a financial hardship for me. Due to the financial hardship I fell behind on my monthly car payment to XXXX XXXX XXXX XXXX. 

I received a letter dated XX/XX/XXXX and XX/XX/XXXX from Radius Global Solutions LLC ( Radius ) stating that the XXXX XXXX XXXX XXXX account was placed with Radius for collection. On XX/XX/XXXX, I contacted Radius to negotiate a settlement agreement. XXXX XXXX, representative for Radius and I came to an agreement of the conditions of the settlement. The conditions were that I would pay {$2000.00} to settle/close the XXXX XXXX XXXX XXXX account in exchange for removal of the account from my XXXX, XXXX and XXXX credit reports. 

Recently upon reviewing my credit reports, I discovered the XXXX XXXX XXXX XXXX account was on my credit reports with an outstanding balance and derogatory tradeline. On XX/XX/XXXX, I contacted Radius Global Solutions LLC to let them know that the XXXX XXXX XXXX XXXX account had not been removed from my credit reports. For some insufficient reason I was no longer able to speak with XXXX XXXX who had entered into the settlement agreement with me. So I spoke with XXXX XXXX with Radius who told me that Radius does not remove accounts from credit bureaus and that I need to contact XXXX XXXX XXXX XXXX to request removal of the account from my credit reports based on the conditions of the settlement agreement. XXXX XXXX didnt honor Radius part of the settlement agreement to remove the XXXX XXXX XXXX XXXX account from my credit reports. XXXX XXXX collected the {$2000.00} from me but then was misleading regarding the removal of XXXX XXXX XXXX XXXX account from my credit reports. He negotiated with me utilizing deceptive acts and practices when he misled me to believe he would remove the XXXX XXXX XXXX XXXX account from my credit reports as a condition of the payoff settlement agreement. 

So as instructed by XXXX XXXX, on XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX and spoke with XXXX ID : XXXX who told me the XXXX XXXX XXXX XXXX account was not settled/closed and that XXXX XXXX XXXX XXXX is seeking an additional {$4000.00} to settle/close the account and remove it from my credit reports. I believe XXXX XXXX XXXX XXXX and Radius Global Solutions LLC are violating the FCRA by attempting to double charge me for the same account. If Radius was collecting debt on behalf of XXXX XXXX XXXX XXXX, is it legal for XXXX XXXX XXXX XXXX to request an additional {$4000.00} settlement after I have settled with Radius? I am requesting XXXX XXXX XXXX XXXX   honor the settlement agreement I made with Radius Global Solutions LLC and remove the account from my credit reports. 

Through the Maryland Housing Program, I am currently an applicant for an apartment in a senior   and XXXX community. After being on the waiting list for over 6 years I dont want to get an adverse decision because of the derogatory XXXX XXXX XXXX XXXX account on my credit reports.