Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Account Number is XXXX  DOB is XX/XX/XXXX, and the last 4 SSN is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection Agency : Radius Global Solutions LLC ( XXXXXXXX XXXX  only ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # : XXXX Bal : {$1300.00} Email : XXXX XXXX Validation requested : XX/XX/XXXX ( Original Creditor and Collection agency Original Creditor is for XXXX XXXX XXXX XXXX XXXX XXXX removed the XXXX Account due to failure to validate. However Original Creditor threatens to place it back on my report, or I can settle, which I refused. One credit agency removed XXXX because they failed to validate the debt ; however, it is still on two others.

Re : Failure to validate the debt /I am in the XXXX  and unable to mail proof to all 3 credit agencies. Please for a copy and documents to all 3 agencies, as no validation was received.

Dear CFPB and FTC, I am writing to file a formal complaint against Radius Global Solutions LLC. On XXXX XXXX XXXX, I contacted the original creditor regarding a debt and was informed it had been transferred to Radius Global LLC and XXXX they werent sure. I explained that my identity had been stolen and the debt was not mine. I made a verbal debt validation request and followed up in writing via email. The XXXX and XXXX card is owned by the same original creditor. 

I repeatedly requested this document via email and informed everyone that my mail was being forwarded to Louisiana due to my address being compromised. During every conversation, I explained I have a XXXX XXXX XXXX and provided proof of my whereabouts and condition. Rather than assisting me, they offered me a settlement, which I declined.

I eventually received the fraud packet, which required notarization. I explained that I needed additional time because notaries will not notarize fraud affidavits or certain other documents while I am XXXX. I eventually managed to get the document notarized and returned it by email on XX/XX/XXXX. The fraud affidavit is separate from the dispute.

On the same day, my email validation request was acknowledged. The collection agency attempted to collect the debt, which I refused, and reiterated the thirty-day time frame for the validation. Despite this, the agency continues to report this debt on my credit reports. It is my understanding that a validation can be made verbally or in writing and does not require notarization. Furthermore, a letter I received from the original creditor stating I am responsible for the debt does not suffice as proper validation.

I am requesting your intervention to not only facilitate the removal of this debt from my credit report but also to secure compensation for every violation, including but not limited to the failure to validate the debt pursuant to FDCPA 809 ( validation ), 813 ( Civil liability ) 814 ( Administrative Enforcement ), and any other section deemed ( C ).

I can provide evidence that I was XXXX  for two years due to a XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX, followed by a motor vehicle accident involving a XXXX XXXX XXXX. While the credit bureaus declined to review my medical information, it is available if needed. I also have bank statements showing a seven-figure balance. I refuse to pay a debt that does not belong to me. I am currently XXXX XXXX XXXX and have been XXXX XXXX XXXX XXXX, preventing me from mailing this information to the credit bureaus to show the date the validation was requested to the three credit agencies.

I request a correction of this information on my XXXX XXXX XXXX XXXX consumer reports and financial compensation. The bureau only accepts documents by mail, which I do not have access to. I have attached proof of the validation request, and I have the recordings ( I did not need permission because Georgia is a one-part state ) and every email.

Debt Validation Requirement : The Fair Debt Collection Practices Act ( FDCPA ) and the CFPB 's Debt Collection Rule require

debt collectors to provide consumers with specific information about the debt, known as " validation information ''. Timeline for Providing Validation Information : Generally, this in
formation should be provided in a written notice either as the initial communicat

ion or within five days of the debt collector 's first contact with the consumer. Consequences of Failure to Validate : Ceasing Collection Activities : If a debt coll
ector fails to validate a debt when requested to do so within the specified time frame, they must cease collection activities.

CFPB Enforcement Actions : The CFPB brings enforcement actions against companies that violate debt validation requirements, including failure to provide timely notices and mishandling disputes.

Consumer Remedies : Consumers who are not provided timely debt validation or whose disputes

are mishandled may be entitled to financial relief and potential lawsuits against the debt collector. 15 U.S.C. 1692g The failure of a consumer to dispute the validity of a debt under this section may no
t be construed by any court as an admission of liability by the consumer In conclusion, I can not report something I am not aware of. As soon as I received a call of my personal information was found on individuals in Louisiana and an arrest was made, I immediately contacted police and made a report, I contacted the postal service and learned the reason I didnt have any mail to pick up from hold is because my address was changed online, and my bank placed my account on hold after they wer unableto contact me and verify that they we speaking to me on the telephone which was from my actual cell phone number. The law doesnt allow debt collectors to assume whatever they want ; they have to provide proof of everything in the validation, which is attached. A simple letter telling a debtor the name of the original creditor and the balance is not enough. I do not have to jump through any of their hoops or be bullied into paying a debt that doesnt belong to me. 
Thank you for your assistance. 
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