Consumer complaint received 2025-08-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TN

Complaint narrative:
Formal Complaint Against XXXX XXXX XXXX XXXX and Radius Global Solutions, XXXX This letter is a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX ) and its agent, Radius Global Solutions, XXXX ( XXXX, XXXX ), for a pattern of severe and ongoing violations of federal law. This complaint is in reference to an alleged debt, Account # XXXX, and the subsequent harm caused by these companies ' willful misconduct. 

The account is billed in my name, XXXX XXXX, for services of XXXX XXXX, an adult. The address used has never been mine and was mailed to my eldest daughter, XXXX XXXX. This initial negligence by XXXX has led to a cascade of violations. Despite a written dispute sent to XXXX, XXXX on XX/XX/year>, demanding validation, the response has been silence, while their actions suggest an intent to continue collection efforts on a debt for which there is no contractual basis. 

Summary of Violations The actions of XXXX and XXXX, XXXX demonstrate a blatant disregard for consumer protection and privacy laws : Abusive, Deceptive, and Unfair Practices : Both companies are engaged in abusive and deceptive practices, in direct violation of the FDCPA, 15 U.S.C. 1692, 802 ( a ). This includes attempting to collect a debt that is not mine, without a bona fide contract. Your agent 's letter, offering a settlement on a non-existent debt, is a clear violation.

Copyright Infringement : The name " XXXX XXXX '' is copyrighted. Any use of this name without my consent requires payment. XXXX 's use of my name on their records and their agent 's continued use is copyright infringement, a violation that would have been avoided had they followed proper procedure. 

Identity Theft : XXXX 's failure to verify account accuracy before selling my information constitutes identity theft, a violation of 18 U.S.C. 1028. This is a Class D felony in Tennessee under Tennessee Code 39-14-150, and has caused significant financial and emotional damages. 

Mail Fraud : By using the mail to attempt to defraud me of money not owed, XXXX and XXXX, XXXX have committed mail fraud, in violation of 18 U.S.C. 1341.

Unauthorized Disclosure of PHI ( HIPAA ) : XXXX unlawfully sold my Protected Health Information ( PHI ) to XXXX, XXXX without a bona fide contract or my consent, which is a severe HIPAA violation. Their own HIPAA notice of privacy practices explicitly states they " will not sell or license your PHI to third parties. '' Unauthorized Communications : Both companies have communicated with me regarding a debt without a contractual obligation, in violation of 15 U.S.C. 1692c, 805. 

Deceptive Forms : The letter from your agent is a deceptive form that creates the false belief that XXXX is participating in the collection process, as prohibited by 15 U.S.C. 1692j, 812.

Willful Violation : Both companies had multiple opportunities to verify and correct this information. Their intentional disregard of the law can lead to criminal charges under the Tennessee Fair Debt Collection Practices Act 62-20-123, and civil damages under 15 U.S.C. 1692k, 813. 

Specific Demands to XXXX and XXXX, XXXX In my previous communications, I demanded validation and information from both companies. They have completely failed to respond. I am submitting this list to the CFPB to document their failure. 

A copy of a wet-ink HIPAA release form signed by me. 

A copy of the wet-ink signature contract signed by me with either XXXX, XXXX or XXXX. 

Documentation identifying the current legal owner of this alleged account, including a copy of the Bill of Sale or Purchasing Agreement.

All records and documentation demonstrating the investigative process undertaken by both companies to verify the accuracy of this alleged debt prior to sending any collection letters. 

A detailed explanation of the permissible purpose under which XXXX, XXXX holds any record containing my name. 

A copy of any and all information XXXX has in regards to my name, to be mailed to me. 

A copy of any and all information Radius Global Solutions, XXXX has in my name, to be mailed to me. 

Demands for Resolution I am submitting this complaint for investigation and enforcement action. My goal is for XXXX and XXXX, XXXX to be held accountable for their unlawful practices. The consumer should not have to spend extensive time and effort holding companies accountable, especially when these companies claim to know and follow the rules. 

I demand that the CFPB compel these companies to : Cease all collection efforts immediately. 

Provide all documentation requested, including the original contract bearing my signature and my written consent for data sharing. A copy is to be sent to the CFPB. 

Delete all personal information from their records. 

Cease ANY and ALL data sharing, selling, or advertising of records with my name indefinitely. 

Remove any negative reporting associated with this alleged debt from all credit bureaus and ensure it is never reported in the future. The CFPB is to retain a copy of all information requested for their records of both companies and their deceptive practices. 

This is an attack on my character and has been extremely time-consuming. I trust that the CFPB will take swift and decisive action to resolve 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