Radius Global Solutions collection on your credit report that's wrong?

Who Radius Global Solutions is

Radius Global Solutions, LLC lists its headquarters in Edina, Minnesota, and its NMLS number as 936423. Its website describes the company as a collections agency and call center partner, offering debt collection, early-stage delinquency management, healthcare revenue cycle work and contact center services. It says it works with clients in utilities and telecom, transportation, financial services, healthcare, retail and consumer goods, government and education, and entertainment and hospitality.

Radius generally collects for the company that is owed the money, so a Radius account on your report usually traces back to a utility, phone, medical, credit or retail bill. When Radius reports that account to Equifax, Experian or TransUnion, it is a “furnisher” under the Fair Credit Reporting Act. When it collects, it is a “debt collector” under the Fair Debt Collection Practices Act. Its consumer payment portal includes a “Know Your Rights” page.

Reporting errors Radius collections can cause

• Not your debt. An account belonging to someone with a similar name, a family member, or an identity thief.
• Wrong balance. Interest or fees added that the original creditor never billed, or charges for services you canceled.
• Paid debts reported as owed. A balance still showing after you paid the original creditor or settled with Radius.
• Medical collections. The nationwide bureaus have said they no longer include paid medical collections or medical collections under $500.
• Re-aged dates. A collection account can generally be reported for seven years, measured from 180 days after the delinquency that led to it (15 U.S.C. § 1681c). A later date of first delinquency keeps the debt on your report too long.
• Duplicates. The same debt reported with a balance by both Radius and the original creditor.
• Bankruptcy. A debt discharged in bankruptcy still reported as owed.
• No dispute notation. Continued reporting of a debt you disputed without marking it disputed.

How to dispute a Radius account

1. Pull all three reports at AnnualCreditReport.com and note exactly how Radius reports the account, including the original creditor and the dates.
2. Dispute with each bureau that shows the error. This step creates your FCRA claim. Once a bureau notifies Radius, it must reasonably investigate and correct, delete or block inaccurate or unverifiable information (15 U.S.C. § 1681s-2(b)). The general accuracy duty in § 1681s-2(a) has no private right of action, so a dispute sent only to Radius will not support an FCRA lawsuit.
3. Dispute in writing with Radius as well. If you dispute within the validation period stated in its validation notice, Radius must stop collecting until it sends you verification (15 U.S.C. § 1692g). After you dispute, it may not report the debt without saying it is disputed (§ 1692e(8)).
4. Attach proof: payment records, cancellation confirmations, insurance explanations of benefits, an identity theft report, or a bankruptcy discharge.
5. Keep copies of every report, letter and response.

The rights that apply

• FCRA, § 1681s-2(b): after notice from a bureau, the collector must investigate, review what you provided, and fix or delete inaccurate information.
• FDCPA, § 1692e(2) and (8): a collector may not misrepresent the amount or legal status of a debt, or report information it knows or should know is false, including failing to report that a disputed debt is disputed.
• FDCPA, § 1692g: your right to validation.
• Regulation F, 12 C.F.R. § 1006.30(a): a collector may not report a debt to a bureau before communicating with you about it, such as by speaking with you or mailing a notice and waiting a reasonable period, generally 14 days, for a notice that it was undeliverable.

What you may recover

Under the FCRA, a negligent violation allows actual damages plus attorney’s fees and costs (15 U.S.C. § 1681o). A willful violation allows actual damages or statutory damages of $100 to $1,000, punitive damages, and fees and costs (§ 1681n). Under the FDCPA, you may recover actual damages, statutory damages of up to $1,000 per action, and fees and costs (§ 1692k). Actual damages can include credit denials, higher interest rates and emotional distress.

Get a free case review before your deadline

An FDCPA claim generally must be filed within one year of the violation (15 U.S.C. § 1692k(d)). An FCRA claim must be filed within two years after you discover the violation and no more than five years after it occurred (§ 1681p). If Radius’s reporting is still wrong after you dispute, save your reports and letters and request a free case review. FCRA Attorneys, founded by attorney Shawn Jaffer, has offices in Dallas, Houston, Chicago, Los Angeles and Atlanta, brings FCRA cases in federal court, and charges no fee unless we win. See our other company guides.

Questions about suing Radius Global Solutions

Can I sue Radius Global Solutions over my credit report?

You may be able to. After you dispute a Radius account with Equifax, Experian or TransUnion and the bureau notifies Radius, it must reasonably investigate and correct or delete information that is inaccurate or cannot be verified (15 U.S.C. § 1681s-2(b)). If it confirms the account without a real investigation, you may have an FCRA claim. The FDCPA may also apply.

Why is Radius Global Solutions contacting me?

Radius describes itself as a collections agency and call center partner for other companies, including healthcare, telecommunications, utilities, financial services and retail businesses. A Radius account usually means one of those companies placed a bill with it for collection. You can ask Radius in writing to validate the debt.

Is disputing directly with Radius enough?

Not for an FCRA lawsuit. A written dispute to Radius matters under the FDCPA, but your private FCRA claim depends on a dispute filed with a credit bureau. Do both and keep copies.

What does it cost to hire FCRA Attorneys?

Nothing up front. We handle these cases on contingency, so there is no fee unless we win. The FCRA and FDCPA both let a successful consumer recover reasonable attorney's fees and costs.

Sources

• Radius Global Solutions official site (Edina, Minnesota; NMLS 936423; services and industries served)
• Radius Global Solutions: About Us
• Radius consumer page: Know Your Rights
• Equifax, Experian and TransUnion joint release: medical collections under $500 removed from U.S. credit reports (April 11, 2023)

Updated November 2026. This page is general information, not legal advice.