Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received November 9, 2016. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates...
that Midland Credit is the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”). The full name of the original creditor for the above-referenced account is [redacted] then sold the account to [redacted] subsequently sold the account to Midland Funding, on or about November 25, 2008. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated June 15, 2002 as a [redacted] credit card account number ending in [redacted] in the name of [redacted] under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on April 23, 2006. The balance at the time of purchase was $519.35. Final payment on the account was received by Midland Credit on December 17, 2009. [redacted] has no further financial obligation for this account.
[redacted] states that she has contacted Midland Credit several times via telephone and has been advised each time that the responsible department was unavailable. A review of Midland Credit’s business records indicate that a call was received on November 3, 2016, and [redacted] was advised that the appropriate department was unavailable and asked to call back at a later time. Midland Credit’s business records also indicate that an inquiry was received from [redacted] on or about November 6, 2016, via email, wherein a copy of the Satisfaction of Judgment was requested. At that time, [redacted] request was forwarded to the appropriate department for processing.
[redacted] also expresses a concern that she satisfied the judgment, yet it is still appearing on her credit report. Additionally, [redacted] requests that the account be removed from her consumer credit file as it has been paid. A review of Midland Credit’s business records indicates that on June 28, 2009, this account was placed with [redacted] advised that the Satisfaction of Judgment was filed in December of 2009 and, at that time, a copy was sent to [redacted]. A copy of the Satisfaction of Judgment and the requested payment history are enclosed for [redacted] records.
Once the balance was resolved, the three major credit reporting agencies were appropriately notified to update the collection tradeline as “Account paid in full, was a collection account.” At that time, Midland Credit was furnishing accurate information to the three major credit reporting agencies regarding the paid status of [redacted] account. The three major credit reporting agencies were previously notified to remove the collection tradeline. In order to ensure that the tradeline has been removed, the three credit reporting agencies have again been notified to delete Midland Funding’s reference to the collection account in question from [redacted] consumer credit files. A copy of this notification is enclosed for her records.
Please note, Midland Credit is not reporting the judgment to the credit bureaus. The credit bureaus conduct periodic public records searches and report judgments based on those records. If the credit bureaus are still reporting the judgment, [redacted] is encouraged to dispute the reporting with the credit bureaus so that they can check the public records and update it as satisfied. [redacted] continues to have no further financial obligation for this account.
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Midland Credit Management's never responded to my request within the specified 30 days as required under Texas law. Not only that but Midland never ceased collection activity during the validation period. The response from Midland today comes too little too late they have already violated state and federal law. I have made every effort to resolve this matter outside of presenting this case in a courtroom before a jury in my community. I am respectfully requesting that Midland delete the tradeline in question promptly as this account is illegally reporting on my credit.
Regards,[redacted]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received November 9, 2016. Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates...
that Midland Credit is the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”). The full name of the original creditor for the above-referenced account is [redacted] then sold the account to [redacted] subsequently sold the account to Midland Funding, on or about November 25, 2008. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated June 15, 2002 as a [redacted] credit card account number ending in [redacted] in the name of [redacted] under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on April 23, 2006. The balance at the time of purchase was $519.35. Final payment on the account was received by Midland Credit on December 17, 2009. [redacted] has no further financial obligation for this account.
[redacted] states that she has contacted Midland Credit several times via telephone and has been advised each time that the responsible department was unavailable. A review of Midland Credit’s business records indicate that a call was received on November 3, 2016, and [redacted] was advised that the appropriate department was unavailable and asked to call back at a later time. Midland Credit’s business records also indicate that an inquiry was received from [redacted] on or about November 6, 2016, via email, wherein a copy of the Satisfaction of Judgment was requested. At that time, [redacted] request was forwarded to the appropriate department for processing.
[redacted] also expresses a concern that she satisfied the judgment, yet it is still appearing on her credit report. Additionally, [redacted] requests that the account be removed from her consumer credit file as it has been paid. A review of Midland Credit’s business records indicates that on June 28, 2009, this account was placed with [redacted] advised that the Satisfaction of Judgment was filed in December of 2009 and, at that time, a copy was sent to [redacted]. A copy of the Satisfaction of Judgment and the requested payment history are enclosed for [redacted] records.
Once the balance was resolved, the three major credit reporting agencies were appropriately notified to update the collection tradeline as “Account paid in full, was a collection account.” At that time, Midland Credit was furnishing accurate information to the three major credit reporting agencies regarding the paid status of [redacted] account. The three major credit reporting agencies were previously notified to remove the collection tradeline. In order to ensure that the tradeline has been removed, the three credit reporting agencies have again been notified to delete Midland Funding’s reference to the collection account in question from [redacted] consumer credit files. A copy of this notification is enclosed for her records.
Please note, Midland Credit is not reporting the judgment to the credit bureaus. The credit bureaus conduct periodic public records searches and report judgments based on those records. If the credit bureaus are still reporting the judgment, [redacted] is encouraged to dispute the reporting with the credit bureaus so that they can check the public records and update it as satisfied. [redacted] continues to have no further financial obligation for this account.
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Enclosure
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]
Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Midland Credit Management's never responded to my request within the specified 30 days as required under Texas law. Not only that but Midland never ceased collection activity during the validation period. The response from Midland today comes too little too late they have already violated state and federal law. I have made every effort to resolve this matter outside of presenting this case in a courtroom before a jury in my community. I am respectfully requesting that Midland delete the tradeline in question promptly as this account is illegally reporting on my credit.
Regards,[redacted]