Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Re : Dispute of Medical Collection Account Request for Deletion I am writing pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and applicable medical privacy laws ( HIPAA ) to formally dispute the reporting of the following medical collection account on my credit file : Creditor/Collection Agency : [ Radius Global Solutions LLC ] Account Number : [ XXXX XXXX XXXX  ] Reported Balance : $ [ XXXX ] ________________________________________ 1. Failure of Verification FCRA 609 & 611 Under FCRA 609 ( a ) ( 1 ) ( A ), I have the right to request and obtain all documentation the furnisher relied upon to verify and report this account. To date, no such documentation proving the accuracy, completeness, and lawful collection of this alleged debt has been provided. If you can not produce the original contract, billing statements, and HIPAA-compliant authorization forms, this account must be deleted immediately.

Further, under FCRA 611 ( a ), you are required to conduct a reasonable reinvestigation of this disputed item. Merely parroting information from the furnisher does not constitute reasonable verification. 
________________________________________ 2. Medical Privacy Violation HIPAA Regulations Because this is a medical debt, I demand proof that my private health information was lawfully shared with a third-party debt collector. HIPAA strictly prohibits the transmission of medical information without proper patient authorization. If you can not provide proof of such authorization, this account is unlawfully reported and must be removed.

________________________________________ 3. FDCPA Violations 15 U.S.C. 1692 If this collection agency is furnishing information to the credit bureaus without first validating the debt upon my request, it constitutes a violation of FDCPA 809 ( b ). Reporting unverifiable medical collections is a deceptive practice under FDCPA 807 ( 8 ).

________________________________________ 4. Burden of Proof on the Furnisher The burden of proof lies with the furnisher, not me. Unless you can provide : A signed agreement from the original medical provider, Itemized billing statements, and HIPAA authorization to release my records to a third party, you are in violation of federal law and this collection must be deleted immediately. 
________________________________________ 5. Formal Demand for Deletion Therefore, I demand that this medical collection account be deleted from my credit report within the 30-day period allowed under FCRA 611 ( a ). Failure to comply will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the U.S. Department of Health & Human Services for HIPAA enforcement.

Please provide written confirmation of the deletion of this account from my credit file.

Thank you for your prompt attention to this matter. 
Sincerely, 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