Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Radius Global Solutions LLC
State: DE

Complaint narrative:
This correspondence constitutes formal notice. It is directed exclusively to Radius Global Solutions In-House Counsel and Chief Compliance Officer due to the serious nature of the violations outlined herein. 
Any response, communication, or contact initiated by any person other than In-House Counsel or the Chief Compliance Officerincluding collection staff, third-party agents, or outside counselwill constitute an additional material misrepresentation and a separate violation of federal law, including but not limited to the FDCPA.

This notice is not a dispute. I do not acknowledge any obligation or liability to Radius Global Solutions, nor do I concede the existence of any legally enforceable debt.

Notice of Federal Law Violations Your email communication asserting that I owe an alleged debt constitutes a violation of 15 U.S.C. 1692b ( 2 ). Your use of symbols, branding, and/or logos within that communication constitutes a further violation of 15 U.S.C. 1692b ( 5 ).

Absent my prior express consent or authorization from a court of competent jurisdiction, your attempt to contact me constitutes a violation of 15 U.S.C. 1692c ( a ). Your conduct further constitutes harassment and abuse in violation of 15 U.S.C. 1692d ( 2 ). You also employed false, deceptive, and misleading means to attempt collection in violation of 15 U.S.C. 1692e ( 6 ) ( B ) by implying a legally enforceable obligation without lawful authority.

Radius Global Solutions has further used and compelled the disclosure of my Social Security number, in violation of 42 U.S.C. 408 ( a ) ( 8 ). As a result, you are liable for damages pursuant to 18 U.S.C. 3571 ( c ) ( 3 ) and 15 U.S.C. 1692k ( a ) ( 2 ), including statutory, actual, punitive damages, and damages for emotional and mental distress.

Strict Liability Facts, Not Legal Conclusions The United States Supreme Court has made clear that the FDCPA is a strict liability statute. In Jerman v. Carlisle, McNellie, Rini, Kramer & Ulrich LPA, 559 U.S. 573 ( 2010 ), the Court held that debt collectors are liable for FDCPA violations regardless of intent.

The violations identified herein are not conclusions of law, characterizations, or speculative assertions. They are statements of fact, established directly by the contents, form, and transmission of your companys email correspondence sent to me. Your own communication constitutes the operative evidence giving rise to liability. No inference, assumption, or legal embellishment is required.

Accordingly, any claim of mistake, ignorance, clerical error, or lack of intent is legally irrelevant and factually immaterial.

No Standing / No Enforceable Rights Under settled principles of contract law, including 17 Am. Jur. 2d 125126, a party lacking privity, consideration, and participation in the original contract can not enforce that contract absent a valid, provable assignment. You have produced none.

Further, billing statements alone do not constitute competent evidence of ownership, standing, or the amount allegedly owed. As established in Hinkle v. Midland Credit Management, absent authenticated account-level documentation and a complete chain of title, the alleged debt is legally unenforceable.

Your claimed authority is therefore rejected.

If you contend otherwise, the burden rests entirely on you to produce competent, admissible evidence, including : 1. A valid assignment identifying this specific account 2. An unbroken chain of title from origination to present 3. Proof of consideration exchanged for each transfer 4. Express contractual rights to collect and/or furnish information to consumer reporting agencies 5. Testimony from a custodian of records with personal knowledge ( not a robo-affiant ) 6. The original contract or agreement governing the account 7. All Pooling and Servicing Agreements ( PSA ) and trust documents showing whether the account was securitized or sold into a trust 8. The complete account transaction history 9. Legal proof of ownership Refusal to Pay/ Demand for Waiver / Cease and Desist I refuse to remit payment on the alleged obligation. You are hereby demanded to : 1. Waive and extinguish the alleged debt in full 2. Immediately cease and desist all collection activity and communication pursuant to 15 U.S.C. 1692c ( c ) 3. Remit payment for damages incurred, as set forth in the attached invoice, by certified check to the address you have on file If collection efforts continue, if the alleged debt is not waived, or if payment for damages is not made, I will proceed without further notice to initiate arbitration and/or litigation, including escalation before the United States Supreme Court of Delaware .

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