Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
CFPB complaint for collection removal XXXX XXXX XXXX XXXX XXXX XXXX, Tn XXXX XX/XX/XXXX Radius Global Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX RE : Unauthorized and Unlawful Reporting of Collection Account Formal Demand for Removal To Whom It May Concern : I am writing in reference to a collection account that your agency is currently reporting on my credit file. This entry is negatively impacting my credit, preventing me from securing critical credit opportunities, including the ability to move my family into a new home.

Upon review of the reporting and my records, I have identified serious violations of federal law, and I demand the immediate removal of this account from all consumer reporting agencies. 

Violations Identified 1. Failure to Provide Wri

tten Notice ( FDCPA 809 ( a ) ) Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( a ) ), a debt collector must send a written notice within five ( 5 ) days of the initial communication, which must include : * The amount of the debt * The name of the original creditor * A statement of my right to dispute the debt within 30 days 2. I have never received any written notification from your agency prior to this debt appearing on my credit report. This is a clear violation of the FDCPA.

3. Reporting Without Validation or Consumer Consent ( FCRA Violation ) Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), a furnisher of information to a credit reporting agency must ensure the data is accurate, verifiable, and complete. Additionally, information can not be reported if the consumer has not been given a fair opportunity to dispute or validate the alleged debt.Furthermore, in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), the court held that reporting a debt to a credit bureau without validating the debt after receiving a dispute is grounds for damages. Your failure to notify me and obtain consent before damaging my credit constitutes willful noncompliance. 
4. No XXXX or XXXX of XXXX by the XXXX have I acknowledged or assumed liability for this alleged debt. You are legally prohibited from assuming a debt is valid simply by lack of response when proper notice was not given. 

Formal Demand Accordingly, I am demanding that you : * Cease all credit reporting activity related to this account * Delete the account from all consumer reporting agencies ( Equifax, Experian, TransUnion, etc. ) * Provide me with a complete validation of the debt, including : * Full account history * Proof of your legal authority to collect the debt * Original signed agreement ( if any ) Failure to comply within 15 calendar days from the date of this letter will result in immediate escalation, including : * A formal complaint to the Consumer Financial Protection Bureau ( CFPB ) * Additional complaints to my state attorney general and the Federal Trade Commission ( FTC ) * Legal action for violations of the FDCPA and FCRA, including damages and attorney 's fees This letter serves as formal notice under the FDCPA that I am disputing this debt and requesting that you cease all collection and reporting activities until proper validation is provided. Further attempts to report this debt without validation will be seen as intentional and malicious noncompliance. 
Sincerely, XXXX XXXX XXXX

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