Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
Notice of Dispute and Demand for Validation Alleged Account : XX/XX/XXXXXXXX XX/XX/XXXXAccount Ending XXXX XX/XX/XXXXXXXX, XXXX. 

Radius Global Solutions LLC XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX Re : Notice of Dispute and Demand for Validation Alleged Account : XXXXXX/XX/XXXXXXXX Account Ending XXXX Consumer : XXXX XXXX XXXX, also referenced as XXXX XXXX Claimed Balance : {$1100.00} I. FORMAL DISPUTE OF ALLEGED DEBT Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and all applicable federal and state consumer protection laws, I hereby formally dispute the validity and enforceability of the alleged debt referenced above. 

As established by XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), and XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), consumers are entitled to full validation and original documentation before any collection or credit reporting activity proceeds. Accordingly, all collection and credit reporting related to these accounts must cease immediately pending full validation. 

II. DEMAND FOR ORIGINAL DOCUMENTS AND VALIDATION Under the FDCPA, Truth in Lending Act ( TILA ), 12 CFR 1002, and all relevant state laws, I demand the following within thirty ( 30 ) days : Original Application and Note : The genuine, wet ink signed original application and all governing contracts for the alleged account. 
XXXX v. XXXX, XXXX XXXX XXXX ( XXXX ). 

Certified Copy of Any Bill of Exchange or Negotiable Instrument : All certified copies of bills of exchange or negotiable instruments tied to the disputed account. 
XX/XX/XXXX 

IRS Forms 1099-C and OID : All IRS Form 1099-C ( Cancellation of Debt ) and OID ( Original Issue Discount ) forms issued relating to the account, or a sworn affidavit that none exist. 
XXXXXX/XX/XXXX 

Verified Purchase or Assignment Agreements : Complete, executed assignment or purchase agreements that evidence a lawful chain of title and a right to collect by Radius Global Solutions LLC or any other third party. 
XX/XX/XXXX XXXX ( XXXX ). 

Proof of Privity and Consideration : Documentation evidencing a valid, binding agreement and actual consideration between myself and any collecting party. 

Full, Verified Accounting : Complete and itemized statement of all debits, credits, payments, charges, and any cash deposits ( such as the referenced {$200.00} ). 
XXXX v. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX ). 

XXXX XXXX : A notarized affidavit from a witness with direct, first-hand knowledge of the debts origination, amount, and lawful assignment. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). 

Debt Collection License : Proof of current and valid state debt collection licenses for Radius Global Solutions LLC, confirming all activity is lawful for the relevant jurisdiction. 

III. PROHIBITION OF DOUBLE RECOVERY AND COLLECTION AFTER DISCHARGE Per 26 U.S.C. 61 ( a ) ( 12 ), 108, and 6050P, any debt discharged or charged-off and reported via IRS Form 1099-C is not lawfully subject to further collection. 
Attempts to collect after discharge are strictly prohibited. 
XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX ). 

IV. INSUFFICIENT PROOF AND CONSEQUENCES To date, neither XXXX XXXX, XXXX, nor Radius Global Solutions LLC has provided : Wet ink, original signed contracts or instruments ( XX/XX/XXXXXXXX XXXX ( XXXX ) ), Full, verified, itemized accounting ( XX/XX/XXXXXXXX. XXXX ) ), Legally sufficient assignment, privity, or sworn affidavit meeting the above requirements. 

Continuing collection efforts without proper and lawful proof constitutes fraudulent misrepresentation, unjust enrichment, and actionable harm in law and equity. 
XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ). 

V. FORMAL DEMAND AND NOTICE By right and under all applicable law, I hereby demand : Immediate suspension of all collection, reporting, and communications regarding these accounts until all lawful validation is received ; Delivery, within thirty ( 30 ) days, of all original contracts, instruments, assignment documentation, fully itemized accounting, tax forms, and affidavits listed above ; Written confirmation of collection and reporting suspension, and dispute status ; Permanent removal and correction of any derogatory, inaccurate, or disputed reporting to any consumer reporting agency regarding these alleged accounts. 

Failure to comply will result in regulatory complaints and may subject you to statutory and actual damages under the FDCPA, FCRA, and other applicable laws. 

All rights reserved. No waivers made. 

XXXX XXXX XXXX XXXX on Behalf of 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