Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX, XXXX XXXX Complaint Regarding Unlawful Reporting of Collection and Charge-Off Account by XXXX XXXX Dear CFPB Representative, I am writing to formally file a complaint against XXXX XXXXXXXX and any third-party debt collectors associated with reporting a charged-off account and/or collections on my consumer credit reports in a manner I believe to be in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Account in Question : * Creditor Name : XXXX XXXX * Original Account Number ( last 4 digits ) : XXXX * Date of Charge-Off/Collection : XX/XX/year> * Credit Reporting Agencies Impacted : XXXX XXXX XXXX Alleged Violations : 1. Failure to Provide Accurate and Verifiable Information ( FCRA, 15 U.S. Code 1681i & 1681s-2 ) Under the FCRA, furnishers of information ( including XXXX XXXXXXXX ) must ensure the accuracy and completeness of any information they report to consumer reporting agencies. I have disputed this account directly with the credit bureaus, and no verifiable documentation was provided. Continuing to report unverifiable, outdated, or inaccurate information is a clear violation of 1681s-2 ( b ).

2. Re-Aging of Debt ( FCRA Violation ) If the date of first delinquency has been altered to make the debt appear more recent than it is, this constitutes re-aginga deceptive practice that violates FCRA reporting rules, particularly the seven-year reporting limit under 1681c ( a ) ( 4 ).

3. Failure to Validate the Debt ( FDCPA, 15 U.S. Code 1692g ) If this debt has been placed with or sold to a third-party collector, I have the right to request a full validation of the debt. If such request was ignored or incomplete, the debt should not be reported or collected upon.

4. Continued Reporting of a Charged-Off Account with a Balance ( FCRA & FDCPA ) A charged-off account should not continue to accrue interest or reflect an active balance if sold to another entity. Any such reporting is misleading and constitutes inaccurate representation under both FCRA and FDCPA provisions. 

Requested Action : I respectfully request that the CFPB investigate these matters and instruct XXXX XXXXXXXX and any associated data furnishers to : * Remove the XXXX XXXX account from all consumer credit reports. 
* Cease and desist from further reporting or collecting on this debt unless full validation is provided and all FCRA/FDCPA requirements are met. 
* Provide written confirmation of the results of your investigation. 
Please consider this a formal complaint and request for relief. I have attached supporting documents, including my credit reports and previous dispute attempts. 
Thank you for your attention and for helping to ensure that creditors and collectors adhere to consumer protection laws. 
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