Consumer complaint received 2026-07-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Subject : Failure to Validate Debt, Inaccurate Credit Reporting, Violations of the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ) To the Consumer Financial Protection Bureau, I am submitting this complaint regarding XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) and Radius Global Solutions LLC ( " Radius '' ) concerning an alleged debt that continues to be reported on my consumer credit reports and is the subject of collection activity. The account is currently reported as a charge-off with an outstanding balance of approximately {$2100.00}. My credit report identifies the account as charged off and closed. After the account was charged off, I received a collection notice from Radius Global Solutions attempting to collect the same debt. Factual Background Prior to receiving the collection notice from Radius, I requested documentation and information directly from XXXX XXXX regarding this account, including verification of the alleged debt and supporting account records. Despite my request, I never received the requested documentation or a meaningful response. Additionally, before Radius Global Solutions contacted me, I received a collection notice from a different collection agency regarding this same account. The existence of multiple collection agencies attempting to collect the same alleged debt raises legitimate questions regarding ownership, assignment, and the accuracy of the reporting. Because of these circumstances, I have been unable to verify the debt or determine who has the legal authority to collect it. Legal Arguments & Applicable Law This matter involves severe and ongoing violations of federal consumer protection law. XXXX. Violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. As a furnisher of information, XXXX XXXX has a legal duty to provide accurate information to credit reporting agencies. Its continued reporting of this account is problematic for several reasons. Failure to Investigate and Inaccurate Reporting : Under the FCRA, when a consumer disputes information with a credit reporting agency, the agency must notify the furnisher, who is then required to investigate and correct or delete any inaccurate information. 15 U.S.C. 1681s-2 ( b ). To state a claim under this provision, a plaintiff must allege that a dispute was filed with a consumer reporting agency, that the agency notified the furnisher, and that the furnisher failed to investigate and correct the inaccurate information. Courts have held that " a showing of inaccuracy is essential '' for an FCRA claim against a furnisher. Contradictory Reporting : The reporting of the account as both " charged-off '' and with a " past due balance '' is materially contradictory and misleading. A " charge-off '' indicates that the creditor has written the debt off as a loss and closed the account. Reporting a " past due '' balance after a charge-off creates a confusing and inaccurate picture of the account 's status, which can unfairly damage a consumer 's creditworthiness. Courts have recognized this as a potential basis for an FCRA claim. Failure to XXXX a Reasonable Investigation : My direct requests to XXXX XXXX for validation, coupled with the dispute of this account, triggered a duty to conduct a reasonable investigation. XXXX XXXX 's failure to respond to my request for documentation constitutes a failure to conduct a reasonable reinvestigation as required by law. This is not a mere technicality ; it is a substantive violation that prevents me from verifying the debt 's validity. Inaccuracy as a Matter of Law : In XXXX XXXX XXXX XXXX XXXX XXXX, a court recently held that if subsequent repayment plans or assignments do not legally modify the original loan terms, the reporting of the original status as a " charge-off '' may remain accurate. However, this logic cuts the other way for you : if the debt has been sold or assigned to a third party, or if the details of the account ( like the balance ) can not be verified, then XXXX XXXX 's continued reporting of the original status and balance becomes inaccurate and violates the FCRA. The central question is whether XXXX XXXX can prove the information it is reporting is accurate. 2. Violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Radius Global Solutions LLC, as a third-party debt collector, is subject to the FDCPA. XXXX XXXX, as the original creditor, is generally exempt from the FDCPA. However, the third-party agencies it hires are not. Failure to Validate Debt : Under 15 U.S.C. 1692g, a debt collector must cease collection activities until it provides verification of the debt to the consumer if a timely validation request is made. My receipt of a collection notice from a different agency prior to Radius, and my subsequent request for validation, triggers this duty. I have not received adequate validation from either agency, which is a direct violation of the FDCPA. Misrepresentation and Deceptive Practices : The use of multiple collection agencies to collect the same debt constitutes a deceptive practice under the FDCPA. It suggests that the debt may have been " sold '' or " assigned '' to multiple parties, creating confusion about who has the legal right to collect, or that the debt amount is being " double-dipped '' or inflated. See 15 U.S.C. 1692e ( prohibiting false, deceptive, or misleading representations in connection with debt collection ). 3. Violations of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. XXXX XXXX 's transfer of my nonpublic personal financial information ( NPI ) to third-party collection agencies raises serious privacy concerns. Under the GLBA, financial institutions are required to protect the privacy of consumer information and provide consumers with a privacy notice explaining their information-sharing practices. If XXXX XXXX transferred my information to multiple collection agencies without a permissible legal basis or proper notice, it may constitute a violation of federal privacy law. I request that XXXX XXXX explain the legal basis for these disclosures. XXXX. The " Nonsensical '' Nature of this Debt The circumstances of this debt do not make logical sense and should be a red flag for the CFPB : Assignment vs. Ownership : The debt is being reported by XXXX XXXX as a charge-off. This often indicates the debt has been sold to a third party. If it was sold, XXXX XXXX no longer has a financial interest in it and should stop reporting a balance. If it was not sold, XXXX XXXX owns the debt and should be able to provide documentation. The fact that multiple collection agencies are involved suggests ownership is unclear. The Chain of Title is Broken : A debt is a financial asset. When it is sold or assigned, there must be a clear " chain of title '' a paper trail showing each transfer of ownership. The involvement of multiple collection agencies suggests this chain is broken. XXXX XXXX and Radius must produce all documents proving a clear chain of title. The Request for Validation Was Ignored : If XXXX XXXX and Radius can not produce a contract with my signature, an accounting of the balance, and proof of their authority to collect, then this alleged debt is unverifiable and can not be reported. Reporting an unverifiable debt is a clear violation of the FCRA 's requirement to provide accurate information. Request for Relief Because of these circumstances, I respectfully request that the CFPB require XXXX XXXX XXXX XXXX and Radius Global Solutions to provide the following documentation and relief : Documentation establishing who currently owns the alleged debt. If the debt has been sold, copies of all purchase agreements, assignments, or chain-of-title documentation demonstrating the transfer of ownership. If Radius is collecting on behalf of XXXX XXXX rather than owning the debt, documentation establishing its legal authority to collect. A complete payment history and accounting explaining how the alleged balance of {$2100.00} was calculated. Copies of any agreement bearing my signature that legally obligates me for this account. Documentation identifying every collection agency to which this account has been assigned, transferred, or sold, including the dates of each assignment or transfer. An explanation of why XXXX XXXX continues reporting this account if it can not provide documentation supporting the accuracy and legal basis of the reporting. An investigation into XXXX XXXX 's credit reporting practices, specifically regarding the contradictory reporting of charged-off accounts with outstanding balances. An order for all violations to cease. If the requested documentation can not be produced, I request that the CFPB order XXXX XXXX and its agents to : Delete the tradeline from all consumer credit reports. Cease all collection efforts regarding this alleged debt. Conclusion The law is clear : consumers have the right to verify the debts that are being reported against them. XXXX XXXX 's failure to provide documentation, combined with the contradictory credit reporting and the involvement of multiple collection agencies, suggests that this debt may not be valid or is being reported inaccurately. I ask that the CFPB intervene to ensure my rights are protected and that these companies are held accountable for their actions. Thank you for your time and attention to this matter. Respectfully, XXXX XXXX XXXX Documents to Attach The Radius Global Solutions collection letter. Screenshot showing the XXXX XXXX charge-off on your 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 non-monetary relief