Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I am writing to formally dispute and request further investigation into the conduct of Radius Global Solutions LLC ( RGS ) and AT & T regarding an alleged debt in the amount of {$1300.00}. Despite my repeated disputes, RGS and XXXX XXXX XXXX have continued reporting and attempting to collect without properly validating this debt, in violation of federal and state law. I respectfully ask the CFPB to review the following violations and take corrective action, including deletion of this account from all credit bureaus. 1. Lack of Proper Debt Validation ( FDCPA Violation ) Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ), debt collectors must cease collection until they provide proper validation of the debt. RGS has failed to do so. The only validation they provided was a billing statement from XXXX XXXX XXXX showing a balance of {$1300.00}. Courts have ruled that a simple billing statement is insufficient to prove : That the debt is legally owed by me. That RGS has the lawful right to collect. That the amount claimed is accurate. RGS has not provided a contract, signed agreement, or a valid assignment showing XXXX XXXX XXXX transferred collection rights. Continuing to demand payment without this documentation violates the FDCPA. 2. Reporting During Dispute ( FDCPA & FCRA Violations ) RGS admits in its own letters that I disputed the account on XX/XX/XXXX and again on XX/XX/XXXX. Despite this, the account was reported to XXXX  and XXXX in XX/XX/XXXX2025 and remained active in their system. FDCPA 1692g ( b ) requires collection to stop until validation is provided. FCRA ( 15 U.S.C. 1681i ) requires furnishers to conduct a reasonable investigation when an account is disputed. Simply echoing the creditors balance is not a reasonable investigation. FCRA also requires disputed accounts to be reported as in dispute. RGS failed to mark the account appropriately. XXXX. False and Misleading Collection Practices The collection notice dated XX/XX/XXXXXXXX states that I had to dispute the debt by XX/XX/XXXX, or else they would assume it valid. This creates a false sense of urgency. While FDCPA allows a 30-day initial dispute window, consumers retain the right to dispute debts at any time. Suggesting otherwise is misleading and deceptive under FDCPA 1692e. 4. Furnishing Data Without Consent or Permissible Purpose The Fair Credit Reporting Act ( 15 U.S.C. 1681b ) requires that furnishers of credit data have a permissible purpose. At no point did I authorize XXXX XXXX XXXX to sell, share, or transfer my personal information to RGS. Furthermore, XXXX XXXX XXXX is currently under multiple lawsuits related to data breaches ( XXXX and XXXX ), which raises serious concerns about whether my personal information was mishandled or improperly transferred. 5. Inconsistent and Inaccurate Reporting Radius letters show several inconsistencies : Balance has remained {$1300.00} from XX/XX/XXXX through XXXX despite alleged reporting activity. No interest or fees were ever added, yet the debt was repeatedly reported to bureaus as active and collectible. RGS admitted the account is in restricted status, yet continued to pursue collection and credit reporting. This is a direct violation of FCRA 1681s-2 ( a ), which requires furnishers to report only accurate and complete information. 6. Florida Consumer Collection Practices Act ( FCCPA Violations ) As a Florida resident, I am also protected under the Florida Consumer Collection Practices Act ( Fla. Stat. 559.72 ). Radius actions violate this law because : They attempted to enforce a debt without proper validation ( illegal under 559.72 ( 9 ) ). They disclosed or transferred information without my consent ( 559.72 ( 5 ) ). These practices are unlawful under Florida law and subject to state penalties in addition to federal remedies. 7. Data Breach Concerns and Consumer Privacy Given XXXX XXXX XXXX ongoing lawsuits regarding massive consumer data breaches, there is significant reason to believe that my personal information may have been compromised or transferred without proper safeguards. This undermines the legitimacy of RGSs possession of my data and further supports my position that I did not authorize this account transfer or collection activity. Requested Resolution In light of the above violations, I respectfully request that the CFPB take the following corrective actions : 1. Order Radius Global Solutions LLC to delete this account from all credit reporting agencies ( Experian, TransUnion, Equifax ). 2. Direct XXXX XXXX XXXX to cease further collection efforts related to this account. XXXX. Ensure that no third-party debt collectors or credit bureaus continue to report this debt in the future. 4. Investigate Radius Global Solutions and AT & T for their repeated violations of FDCPA, FCRA, and FCCPA. Conclusion I did not authorize the sale or transfer of my personal information to Radius Global Solutions. The debt has not been properly validated, was reported inaccurately, and was pursued in violation of my rights under federal and state law. I urge the CFPB to intervene, protect my consumer rights, and ensure this illegitimate account is permanently deleted from my credit reports.

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