Consumer complaint received 2026-04-28 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: OH

Complaint narrative:
CONSUMER FINANCIAL PROTECTION BUREAU OFFICIAL CONSUMER COMPLAINT Complainant : XXXX XXXX XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Date of Complaint : XX/XX/XXXX Respondent : Radius Global Solutions LLC PRELIMINARY STATEMENT This complaint is submitted against Radius Global Solutions LLC ( " Radius '' ), a third-party debt collector subject to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. ( " FDCPA '' ) ; the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. ( " FCRA '' ) ; the Consumer Financial Protection Act 's prohibition on Unfair, Deceptive, or Abusive Acts or Practices, 12 U.S.C. 5531 and 5536 ( " UDAAP '' ) ; and the XXXX Consumer Sales Practices Act, XXXX Rev. Code 1345.01 et seq. ( " OCSPA '' ). Radius Global Solutions LLC is a larger participant in the debt collection market subject to direct CFPB supervisory authority under 12 C.F.R. Part 1090. Complainant respectfully invokes the Bureau 's supervisory and enforcement jurisdiction accordingly. Complainant is an elderly resident ( XXXX ) of XXXX XXXX, XXXX whose sole source of income is Supplemental Security Income ( " SSI '' ). SSI benefits are expressly exempt from assignment, levy, and garnishment under 42 U.S.C. 407 ( a ) and 31 C.F.R. 212.6, which prohibits financial institutions from honoring garnishment orders against federally protected benefit deposits. Complainant is therefore judgment-proof as a matter of federal law. I. PARTIES Complainant : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Respondent : Radius Global Solutions LLC XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX CFPB Larger Participant Debt Collection ( 12 C.F.R. Part 1090 ) II. JURISDICTION AND STATUTORY BASIS This complaint arises under the following federal and state statutes : FDCPA ( 15 U.S.C. 16921692p ) : Prohibits abusive, deceptive, and unfair debt collection practices. FCRA 1681s-2 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) : Duty to investigate disputes forwarded by consumer reporting agencies. FCRA 1681e ( b ) ( 15 U.S.C. 1681e ( b ) ) : Obligation to report with maximum possible accuracy. CFPA/UDAAP ( 12 U.S.C. 5531 and 5536 ) : Prohibition on Unfair, Deceptive, or Abusive Acts or Practices. CFPB Supervision ( 12 C.F.R. Part 1090 ) : CFPB supervisory authority over larger participants in debt collection. SSI Exemption ( 42 U.S.C. 407 ( a ) ; 31 C.F.R. 212.6 ) : Federal protection of SSI benefits from garnishment. OCSPA ( XXXX Rev. Code 1345.01 et seq. ) : XXXX Consumer Sales Practices Act elder consumer protections. III. BACKGROUND FACTS Radius Global Solutions LLC contacted Complainant XXXX XXXX XXXX XXXX in an attempt to collect an alleged debt. Complainant disputed the validity of this debt and demanded verification pursuant to 15 U.S.C. 1692g. Radius failed to provide adequate verification and continued collection activity, including adverse credit reporting, in violation of the FDCPA and FCRA. Complainant is an elderly individual residing in XXXX whose sole income is SSI. Radius 's conduct including continued collection attempts against a judgment-proof consumer and adverse credit reporting following unresolved disputes constitutes both an Unfair and Abusive act or practice under UDAAP and a violation of XXXX 's elder consumer protection provisions. IV. CHRONOLOGICAL TIMELINE OF EVENTS Date Event Method XX/XX/XXXX First Demand Letter sent to Radius demanded debt validation and cessation of all collection activity. Certified Mail XX/XX/XXXX Second Demand Letter sent Radius had not provided lawful validation ; all demands renewed. Certified Mail XX/XX/XXXX Third Demand Letter sent Radius continued to fail to validate ; adverse credit reporting ongoing. Certified Mail XX/XX/XXXX Fourth and Final Demand Letter sent all rights expressly reserved ; demanded dismissal with prejudice. Certified Mail XX/XX/XXXX CFPB Complaint filed Radius has not responded lawfully to any of the XXXX demand letters. CFPB XXXX Note : Demand letters were sent on the XXXX of each consecutive month XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX Certified Mail receipts are available upon request. V. LEGAL VIOLATIONS A. FDCPA Violations 15 U.S.C. 1692 et seq. Radius violated the FDCPA by : ( 1 ) failing to provide adequate debt validation upon timely written demand under 1692g ; ( 2 ) continuing collection activity including adverse credit reporting after receiving written disputes, in violation of 1692g ( b ) ; ( 3 ) using false, deceptive, or misleading representations in connection with collection of the alleged debt, in violation of 1692e ; and ( 4 ) using unfair or unconscionable means to collect the alleged debt, in violation of 1692f. Radius 's own collection communications constitute a self-identification trap under 1692e ( 11 ), as Radius identified itself as a debt collector in its own correspondence, thereby triggering the full protections of the FDCPA. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ). B. FCRA Violations 15 U.S.C. 1681s-2 ( b ) and 1681e ( b ) Upon receiving dispute notices forwarded by consumer reporting agencies, Radius had a statutory duty under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation, review all relevant information, and report accurate results to the reporting agencies. Radius failed to fulfill this duty. Additionally, Radius violated 15 U.S.C. 1681e ( b ) by failing to follow reasonable procedures to ensure maximum possible accuracy in its credit reporting. Radius 's continued adverse reporting following Complainant 's written disputes constitutes a willful violation of the FCRA. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ( reckless disregard of FCRA obligations constitutes willful violation subjecting furnisher to statutory and punitive damages ). C. UDAAP Violations 12 U.S.C. 5531 and 5536 Unfair Practice : Radius 's conduct causes substantial injury to Complainant a judgment-proof, SSIonly elderly consumer that is not reasonably avoidable and is not outweighed by any countervailing benefit to consumers or competition. Continued adverse credit reporting against a consumer who can not legally be garnished serves no legitimate collection purpose and constitutes an Unfair act or practice under 12 U.S.C. 5531 ( c ). Abusive Practice : Radius takes unreasonable advantage of Complainant 's inability to protect his own interests specifically his age, limited financial sophistication, and sole reliance on federally protected SSI income in violation of 12 U.S.C. 5531 ( d ). This constitutes an Abusive act or practice. Complainant believes Radius Global Solutions LLC engages in these practices systematically against other consumers, and requests that the Bureau investigate whether this conduct constitutes a pattern or practice of violations under 12 U.S.C. 5536. D. XXXX OCSPA Violations XXXX Rev. Code 1345.01 et seq. Radius 's conduct violates the XXXX Consumer Sales Practices Act, which provides enhanced protections for elderly consumers. XXXX 's elder consumer protection provisions impose heightened duties on collectors dealing with elderly consumers. Radius 's continued collection activity against an elderly, judgment-proof XXXX resident constitutes an unfair or deceptive act or practice under XXXX law XXXX VI. RELIEF REQUESTED Complainant respectfully requests the following relief : 1. Immediate deletion of all adverse tradelines reported by Radius Global Solutions LLC from Complainant 's credit reports with XXXX, XXXX, and XXXX ; 2. Actual damages for harm to Complainant 's creditworthiness, emotional distress, and loss of access to credit ; 3. Statutory damages under the FDCPA of up to {$1000.00} per violation ( 15 U.S.C. 1692k ) ; 4. Statutory and punitive damages under the FCRA for willful violations ( 15 U.S.C. 1681n ) ; 5. Civil money penalties assessed by the Bureau under 12 U.S.C. 5565 for UDAAP violations ; 6. A formal CFPB investigation of Radius Global Solutions LLC 's debt validation and credit reporting practices ; 7. A supervisory examination of Radius 's validation notice procedures under 12 C.F.R. Part 1090 ; 8. Dismissal with prejudice of any alleged debt claimed by Radius Global Solutions LLC against Complainant ; 9. Attorney 's fees and costs to the extent permitted by applicable law ; 10. Such other and further relief as the Bureau deems just and proper. VII. SUPPORTING DOCUMENTS ( EXHIBITS ) Exhibit Date Description Exhibit A XX/XX/XXXX First Demand Letter + XXXX Certified Mail Receipt ( available upon request ) Exhibit B XX/XX/XXXX Second Demand Letter + XXXX Certified Mail Receipt ( available upon request ) Exhibit XXXX XX/XX/XXXX Third Demand Letter + XXXX Certified Mail Receipt ( available upon request ) Exhibit D XX/XX/XXXX Fourth and Final Demand Letter + XXXX Certified Mail Receipt ( available upon request ) Exhibit XXXX Various Radius Global Solutions LLC correspondence and collection notices Exhibit F As applicable SSI award letter / proof of income ( redacted ) upon request of CFBP and XXXX AG VIII. CFPB/XXXX AG COORDINATION AND ENFORCEMENT NOTICE Complainant XXXX XXXX XXXX XXXX hereby provides notice that he has filed or intends to file a concurrent consumer complaint with the XXXX Attorney General 's Consumer Protection Section , which holds concurrent enforcement authority over violations of the XXXX Consumer Sales Practices Act, XXXX Rev XXXX Code 1345.01 et seq. The XXXX AG 's Consumer Protection Section may be reached at : XXXX Attorney General 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Web : XXXX Complainant respectfully requests that the Consumer Financial Protection Bureau coordinate with the XXXX Attorney General 's office as appropriate and authorized under 12 U.S.C. 5552, which preserves state enforcement authority concurrent with federal enforcement. Complainant further requests that the Bureau share relevant findings with the XXXX AG 's office to facilitate coordinated enforcement action against Radius Global Solutions LLC. Complainant believes that Radius Global Solutions LLC 's unlawful debt collection and credit reporting practices affect other XXXX consumers and requests that both the CFPB and the XXXX AG investigate whether Radius 's conduct constitutes a pattern or practice of violations warranting systemic enforcement action. IX. DECLARATION UNDER PENALTY OF PERJURY I, XXXX XXXX XXXX XXXX, declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct to the best of my knowledge, information, and belief. I further declare that all exhibits attached hereto are true and accurate copies of original documents. Executed on : XX/XX/XXXX Signature : XXXX XXXX XXXX XXXX e-signed P.O. XXXX XXXX, XXXX XXXX, OH 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