Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
CFPB COMPLAINT RADIUS GLOBAL SOLUTIONS, XXXX XXXX XXXX : Name : XXXX XXXX XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : ( XXXX ) XXXX Company Complained About : Radius Global Solutions, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Account No. XXXX Original Creditor : XXXX XXXX Reported Balance : {$370.00} Date Reported : XX/XX/XXXX Account Opened : XX/XX/XXXX 1. Summary of Complaint I am filing this complaint because Radius Global Solutions, LLC is unlawfully reporting a XXXX XXXX XXXX account on my XXXX  credit report that is inaccurate, unverified, and unauthorized. 

Despite my formal Debt Validation and Forensic Audit Demand issued in writing, Radius Global has failed to provide any verified contract, billing records, or legal assignment proving the validity, ownership, or enforceability of the alleged debt. The company continues to report the account, violating the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ), 1692e, and 1692f ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( b ) ).

Furthermore, Radius Global has not shown compliance with federal privacy requirements under the Privacy Act ( 5 U.S.C. 552a ) and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) regarding its access, storage, and sharing of my Social Security number and personal identifiers without verified consent.

2. Violations and Supporting Facts a. Failure to Validate Debt ( FDCPA 1692g ( b ) ) Radius Global has not provided the original XXXX XXXX service agreement, itemized billing statements, or proof of lawful assignment. It continues to report an unverifiable balance of {$370.00}, in direct violation of the FDCPAs requirement to cease collection until validation is completed.

b. False or Misleading Reporting ( FCRA 1681s-2 ( b ) ) Radius Global continues to furnish inaccurate information to XXXX  after receipt of my written dispute. The company has failed to conduct a reasonable investigation or request deletion as mandated by law.

c. Unauthorized Data Use and Privacy Violations Radius Global has failed to demonstrate a lawful basis to access or process my personal informationincluding my SSN, DOB, and addresswithout contractual authorization or permissible purpose under FCRA 1681b. Such activity violates the Privacy Act and GLBA 6801, which require secure handling and non-disclosure of nonpublic consumer information.

d. Lack of Ownership or Legal Standing No verified documentation has been provided identifying Radius Global as a lawful assignee, holder in due course, or authorized agent of XXXX XXXX. The absence of a valid chain of title invalidates any attempt to collect or report the account.

e. Continuing Collection During Active Dispute Despite formal notice of dispute, Radius Global continues to report this account as open and active, constituting willful noncompliance under FDCPA 1692g ( b ) and FCRA 1681s-2 ( b ). 

XXXX. Legal Context and Collateral Rights All identifiers, records, and instruments associated with XXXX XXXX XXXX XXXX are secured under Michigan UCC Filing No. XXXX ( filed XX/XX/XXXX ), which lawfully perfects a security interest in all personal identifiers, financial data, and commercial instruments under MCL 440.9203, 440.9308, and 440.9310.

Any unauthorized access, disclosure, or monetization of that secured collateral constitutes : Conversion and misappropriation under MCL 600.2919a, Fiduciary breach and privacy violation under 15 U.S.C. 6801, Discrimination and adverse action under 15 U.S.C. 1691a and MCL 37.2302 ( b ), and Identity misuse under 18 U.S.C. 1028 & 1028A.

By failing to verify, delete, or lawfully substantiate this account, Radius Global has engaged in conduct that deprives me of due process and violates both federal and state consumer-protection and privacy laws.

4. Harm and Damages As a direct result of Radius Globals unlawful reporting and data misuse : I was denied a credit opportunity through XXXX in XX/XX/XXXX ; My credit score and reputation have been adversely affected ; My personal and financial information has been exposed without authorization ; and I have experienced emotional distress and financial harm due to continued inaccuracy and noncompliance.

5. Requested CFPB Action I respectfully request that the CFPB investigate and compel Radius Global Solutions, LLC to : Cease all collection and reporting activity until full validation and lawful documentation are produced ; Provide verified copies of the original contract, itemized statements, and assignment chain establishing ownership and authority ; Disclose all insurance, surety, or securitization instruments connected to this account, including any asset-backed or indemnified receivables ; Instruct all credit bureaus ( XXXX XXXX XXXX  ) to delete the tradeline immediately pending resolution ; and Certify in writing that all personal identifiers have been removed from internal and third-party databases. 

I further request that the CFPB examine whether Radius Globals conduct demonstrates systemic violations of the FDCPA, FCRA, GLBA, and state privacy statutes and refer the matter for enforcement or sanctions as appropriate. 


Respectfully submitted, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Tel : ( XXXX ) XXXX Email : 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