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March 3, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your follletter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 17, Midland Credit provided all of the account identifying information in its previous letter response to your office dated February 6, [redacted] writes that he will be escalating the matter to a government agency As stated in its previous response, Midland Credit acted in a timely manner and has complied with all applicable laws However, in keeping with its Consumer-First policy, Midland Credit made the business decision to close the accountThere will continue to be no further collection activity, credit reporting or sale of this account In addition, the three credit-reporting agencies were notified to delete all reference to the account in question from [redacted] consumer credit files Please assure [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law 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] ***

Dear [redacted] ***: Thank you for your letter inquiry dated August 13, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on July 21, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on November 12, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on October 13, The balance at the time of purchase was $ On July 31, 2011, Midland Credit mailed [redacted] a validation letter, which informed him that Midland Funding had acquired the account, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to the same address listed within [redacted] ’s complaint via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter In fact, no correspondence was received directly from [redacted] prior to the complaint filed through your office, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies [redacted] expresses a concern that he told [redacted] to disconnect and terminate his service in October of However, as indicated above, the account was opened in November of Additionally, a review of Midland Credit’s business records indicates that in a phone conversation on February 23, 2013, [redacted] advised a Midland Credit representative that he had paid this debt in Further review of its business records indicates no supporting documentation of the debt being paid prior to its sale to Midland Funding has been received by Midland Credit With that said, Midland Credit stands ready to assist [redacted] in clearing his record if Midland Credit is somehow attempting to collect an account which was resolved prior to Midland Credit becoming the servicer, and requests that he provide documentation or evidence which substantiates [redacted] ’s claim [redacted] may forward the appropriate documentation to Consumer Support Services at the address on this letterhead In the meantime, per [redacted] ’s request, the above-referenced account has been marked “Cease and Desist.” While it remains due and owing, [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law 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] ***

Dear [redacted] Thank you for your follletter inquiry dated October 21, 2014, regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions Midland Credit provided all of the account identifying information in its previous letter response to your office dated October 16, In his follow-up, [redacted] writes that he has not received any correspondence regarding the account As referenced in Midland Credit’s previous response letter, Midland Credit mailed [redacted] the initial validation letter on July 18, The letter was mailed to [redacted] at the same address listed within his complaint, via the United States Postal Service The letter was not returned as “undeliverable,” satisfying the requirements set forth within the Fair Debt Collection Practices Act (“FDCPA”) Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] until September 30, 2014, which cannot be considered timely While [redacted] ’s request was untimely, a copy of the verification information provided by the seller was enclosed with Midland Credit’s previous response letter for his records Midland Credit maintains its position that it has acted timely and appropriately and its business records indicate that the account is accurately reporting to the credit reporting agencies Aside from the above, [redacted] writes that he cannot repay the debt, and that his only income is from Social Security benefits As stated in Article of its Consumer Bill of Rights, Midland Credit stands ready to assist [redacted] , and will cease collection activities when it receives documentation indicating that [redacted] ’s only source of income is from exempt sources, such as Social Security, and that he has no access to other assets [redacted] may submit the appropriate documentation to Consumer Support Services at the address on this letter head Midland Credit also stands ready to assist [redacted] in clearing his record if he has been a victim of identity theft or fraud If such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a copy of either a police report or affidavit of fraud showing that he reported the fraudulent activity Please note that an affidavit of fraud can be found at [redacted] If submitting an affidavit of fraud, [redacted] should complete the form and have the form notarized He may still forward appropriate documentation to Consumer Support Services at the address on this letterhead In the meantime, the account will remain coded “Cease and Desist.” While it remains due and owing, [redacted] will continue to not receive contact from Midland Credit representatives unless a response is required by law 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] ***

Dear [redacted] Thank you for your letter inquiry regarding [redacted] ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 8, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on February 16, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on May 29, 2008, as a [redacted] account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on January 18, The balance at the time of purchase was $1, While not the only item of concern, [redacted] writes that when she contacted the original creditor, the representative advised her that no information could be provided Please note that it is not uncommon for a credit provider to archive an account once it has been sold Therefore, when contacted by [redacted] ***, the representative of the original credit provider may not have had access to the pertinent account information [redacted] further expresses a concern that she is not familiar with the account On July 22, 2010, Midland Credit mailed [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letter was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter In fact, no correspondence was received directly from [redacted] prior to the complaint filed through your office, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies [redacted] ***’s letter references a requirement that the original creditor respond to her dispute within days, and that the account was inappropriately transferred to Midland Funding If [redacted] has further information as to when she disputed the account with the original creditor, or documentation establishing her initial dispute, Midland Credit respectfully requests that [redacted] forward such information so that it may investigate the matter further With that said, as [redacted] writes that the account may have been opened by her ex-husband, Midland Credit stands ready to assist [redacted] in clearing her record if she has been a victim of identity theft or fraud If such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a copy of either a police report or affidavit of fraud showing that she reported the fraudulent activity Please note that an affidavit of fraud can be found at [redacted] If submitting an affidavit of fraud, [redacted] should complete the form and have the form notarized She may forward appropriate documentation to Consumer Support Services at the address on this letterhead Per [redacted] ***’s request for collection attempts to cease, the above-referenced account has been marked “Cease and Desist.” While it remains due and owing, [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law Additionally, [redacted] references phone number [redacted] as a ‘ [redacted] ’ phone number that is no longer valid While neither Midland Funding nor Midland Credit have any affiliation with a [redacted] , the phone number [redacted] is valid phone number in use by Midland Credit 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] ***

Dear Ms***: Thank you for your letter inquiry regarding Mr***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 27, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on September 27, Information provided by the seller, T-Mobile PCS Holdings LLC, at the time of acquisition indicates this account was originated on July 21, 2002, as a T-Mobile cellular account number ending in ***, in the name of Kenneth D ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on January 8, The balance at the time of purchase was $1, Final payment on the account was posted to the account on January 8, Mr [redacted] has no further financial obligation for this account Mr [redacted] expresses a concern that he received a letter from Midland Credit requesting payment after he had paid to resolve the account balance On December 5, 2014, a letter was sent to him offering the option to submit a payment for less than the full balance by January 7, in order to consider the debt resolved Upon receipt and processing of his check, Midland Credit posted the $referenced in his complaint to the account on January 8, Although the payment was not received within the specified timeframe, Midland Credit subsequently made the business decision to accept his payment using the terms provided in the December 5, offer letter A letter advising Mr [redacted] the account balance had been resolved was mailed to him on February 4, As Midland Credit had not been notified a payment was forthcoming, and the payment had been posted after the expiration date of the offer, Mr [redacted] was sent the letter he references in his submission to your office on January 9, Please note the files of accounts which receive marketing letters are built and sent to Midland Credit’s mail vendor 1-days prior to the actual send date of the letter to ensure there is enough processing time at the mail house Final scrubs are conducted to look for changes in account status, such as in Mr***’s case However, if the status change occurs too close to the send date there is chance that a small number of accounts with late status changes receive marketing letters That appears to be the case here Please note, although his submission indicates he spoke with Midland Credit on January 21, 2015, there is no indication Midland Credit has spoken with Mr [redacted] since April 12, Regardless, he may disregard the letter sent January 9, As indicated above, Mr [redacted] has no further financial obligation on the above-referenced account Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Mr*** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) [redacted] ext*** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] Thank you for your foll letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 13, Midland Credit appreciates the opportunity to answer your questions Based on the police report provided by [redacted] and in accordance with Midland Credit Management Inc.’s policy to react affirmatively to consumer issues, the above-referenced accounts have been closed There will be no further collection activity or sale of these accounts In addition all three credit-reporting agencies were notified to delete all reference to the accounts from her consumer credit files [redacted] has no obligation for these accountsMidland 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] ***

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 The claim states that the records have been verified yet there is nothing attached showing my signature on anythingPer conversations with Midland, the last activity on the [redacted] account that they are holding was Oct 8, Per FCDPA, tomorrow will mark the years since there was activity on the account and should no longer be reported to any bureauThe request I have is pretty simplePlease provide any documentation showing my signature on any transaction to prove validity In the absence of being able to provide tangible proof to the claim, no other summation can be made that MCM is attempting to collect a bogus debt and is reporting as such to the credit bureauSimply stating someone owes something does not make it soActual evidence with signatures, etc are neededI have asked numerous times for such proof with no such action from the collectorSince the years from last activity is on Oct 8, MCM can remove the account for [redacted] For the [redacted] account, MCM should at the very least report that as disputed as it is true and also law that if a collector knows that a consumer is disputing a debt that the collector must report it as suchThat will be a start Regards, [redacted]

Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 10, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on July 18, Information provided by the seller, [redacted] *** at the time of acquisition indicates this account was originated on December 12, 2012, as a [redacted] *** account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on June 18, The balance at the time of purchase was $ [redacted] writes that the account has been reported to the credit reporting agencies although the letter sent to her advised that it would not be reported if payments were made within a specified timeframe Midland Credit acknowledges and wishes to thank [redacted] for consistently making payments as agreed upon Midland Credit has taken the steps required to have the account removed from [redacted] consumer credit files Copies of the requests sent to the credit reporting agencies are enclosed for her records Please note that it may take the credit reporting agencies thirty to forty five days to update the information in Ms [redacted] ’ consumer credit files Midland Credit encourages [redacted] to continue to work with her account manager, [redacted] *** to resolve the account [redacted] may reach [redacted] at [redacted] 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

Dear [redacted] Thank you for your follletter inquiry regarding [redacted] ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 13, Midland Credit appreciates the opportunity to answer your questions Midland Credit provided all of the account identifying information in its previous letter response to your office dated January 12, [redacted] writes that he has never received any communication in writing from Midland Midland Credit maintains its position that it sent separate and unique validation letters to [redacted] for the above referenced accounts on April 27, The letters were not returned as “undeliverable” by the United States Postal Service Subsequently, Midland Credit mailed several letters to [redacted] in an effort to resolve the account balances and in response to his dispute notices, none of which were returned as “undeliverable” by the United States Postal Service [redacted] *** also writes that Midland Credit is reporting incorrect dates of first delinquency Information provided by the seller of the above-referenced accounts, [redacted] ***., indicates that [redacted] made a final payment towards account no [redacted] on May 20, 2010, and toward account no [redacted] on April 7, As stated in its previous response, Midland Funding, LLC purchased the above-referenced accounts on or about April 2, Midland Credit maintains its position that it does not alter or modify any of the original account information provided by the seller, such as the date of occurrence Midland Credit reports the information on the accounts it services based on the business records maintained by the original lender/seller As such, Midland Credit must respectfully conclude that it reflects the accurate dates of first delinquency Additionally, [redacted] expresses concern regarding the nomenclature that appears on his consumer credit filesAlthough Midland Credit submits updates to the reporting agencies each month, Midland Credit does not report accounts as “days past due” to the credit reporting agencies Depending on the current condition of a given account, Midland Credit will report that account as either “Account assigned to internal or external collections,” “Account paid in full, was a collection account,” or “Account paid in full for less than the full balance.” [redacted] *** is encouraged to communicate directly with the credit bureaus should he have any further concerns about the nomenclature that Midland Credit is compelled to use in credit bureau reporting In addition, if [redacted] obtained his credit report from a compilation source, the information being reported may appear to vary The credit bureaus have advised that it appears this way because they do not directly populate the fields on credit reports pulled from any source other than directly from the credit bureau itself Based on the information provided by the seller, Midland Credit has again determined that its credit file and credit reporting of the above-referenced accounts are accurate Midland Credit will be closing its investigation of [redacted] ***’s dispute and will be resuming regular collection activities as allowed by the [redacted] Finance Code and/or the Fair Credit Reporting Act The above-referenced accounts will continue to remain marked “Direct Mail Only.” While they remain due and owing, [redacted] will continue to not receive phone calls from Midland Credit representatives and all correspondence will be sent via the United States Postal Service 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] ***

Dear Ms***: Thank you for your letter inquiry regarding Mr [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 19, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on December 19, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on August 17, 2007, as a [redacted] (South Dakota), N.A [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on November 17, The balance at the time of purchase was $1, Final payment on the account was received on December 18, Mr [redacted] has no further financial obligation for this account Mr [redacted] writes that while he has resolved the balance for the above-referenced account, that the account has not been accurately updated to his consumer credit files, and that he has not received a letter indicating that the account has been paid On January 31, 2015, Midland Credit received an electronic inquiry from Mr [redacted] , requesting a paid letter and stating that the account is still reporting as unpaid on his credit report In response, Midland Credit mailed Mr [redacted] a letter confirming the paid status of his account on February 4, Midland Credit has notified the three major credit reporting agencies of the status of the account Please note that the credit reporting agencies have advised that they require to days to update to a consumer’s credit files A copy of the Universal Data Form showing Midland Credit’s most recent update to the credit reporting agencies for the above-referenced account is enclosed Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Mr [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] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

January 30, VIA Roman","serif E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 16, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on September 22, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on February 29, 2012, as a [redacted] *** account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on August 25, The balance at the time of purchase was $ [redacted] writes that she is receiving calls from Midland Credit, but would prefer to be contacted by mail and be provided with more information about the debtPer [redacted] ’s request, the above-referenced account has been marked “Direct Mail Only.” While it remains due and owing, [redacted] will no longer receive phone calls from Midland Credit representatives and all correspondence will be sent via the United States Postal Service A copy of the verification information provided by the seller is enclosed for [redacted] ’s records If [redacted] is ready to resolve this debt, she may qualify for a reduction in her account balance Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] to assist her in reaching a resolution that will be both beneficial to her, as well as resolve the account balance 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

January 12, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] , [redacted] and [redacted] Dear [redacted] Thank you for your letter inquiry regarding [redacted] ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 8, Midland Credit appreciates the opportunity to answer your questions [redacted] filed similar complaints through the Consumer Financial Protection Bureau (“CFPB”) A copy of Midland Credit’s response to the CFPB is enclosed Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on April 2, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on December 30, 2006, as a [redacted] *** account number ending in *** in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on December 31, The balance at the time of purchase was $1, Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding on April 2, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on January 3, 2007, as a *** [redacted] account number ending in ***, in the name of [redacted] under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on November 30, The balance at the time of purchase was $1, Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding on May 28, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on November 26, 2007, as a [redacted] account number ending in ***, in the name of [redacted] under the last four of the social security number *** Subsequently, the credit card account was charged-off as an unpaid delinquent-debt on June 21, The balance at the time of purchase was $ [redacted] writes that Midland Credit has refused to provide evidence that he owes money and requests for validation documentation Midland Credit sent separate and unique validation letters to [redacted] on April 27, for account nos [redacted] and [redacted] , and on June 6, for account no [redacted] In the letters, Midland Credit informed [redacted] that Midland Funding had acquired the accounts, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letters were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA Midland Credit’s business records indicate that it received the first written correspondence from [redacted] on May 2, regarding the accounts The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt Based on the information [redacted] provided and pursuant to the [redacted] Finance Code, Midland Credit responded by sending [redacted] separate and unique response letters on June 4, advising him Midland Credit had determined that its credit file and credit reporting of the above-referenced account was accurate [redacted] also writes that writes that Midland Credit has re-aged the debts While Midland Credit is sensitive to his concern, it does not alter or modify any of the original account information provided by the seller such as the name of the consumer, the date of origination, or the date of occurrence Midland Credit reports the information on the accounts it services based on the business records maintained by the original lender/seller In accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date being reported on the accounts reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.” The open date listed on [redacted] ***’s credit report is in fact the date of purchase by Midland Funding Lastly, [redacted] indicates that the accounts are past their statute of limitations, and requests that Midland Credit remove its tradeline from his consumer credit files A review of Midland Credit’s business records indicates that the statute of limitations expired on May 5, for account no [redacted] , on April 4, for account no [redacted] , and on December 23, for account no [redacted] However, please note that the passing of the statute of limitations does not extinguish the validity of the debtsRather, it eliminates litigation as a potential remedy Similar to the statute of limitations, the expiration of the seven-year Federal Reporting period also does not extinguish the debts It only prevents the accounts from being reported to the credit reporting agencies A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for the accounts does not expire until May for account no [redacted] , April for account no [redacted] , and December for account no [redacted] Please note that based on the information provided by the sellers, Midland Credit has determined that its credit file and credit reporting of the above-referenced accounts is accurate Midland Credit will be closing its investigation of [redacted] ***’s dispute and will be resuming regular collection activities as allowed by the [redacted] Finance Code and/or the Fair Credit Reporting Act If [redacted] is ready to settle the debts, he may qualify for a reduction in the account balances Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] *** to assist him in reaching a resolution that will be both beneficial to him, as well as settle the account balances In the meantime, per his previous request, the accounts will remain marked “Direct Mail Only.” While they remain due and owing, [redacted] will continue to not receive phone calls from Midland Credit representatives and all correspondence will be sent via the United States Postal Service 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

Dear [redacted] Thank you for your follletter inquiry regarding [redacted] ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received May 12, Midland Credit appreciates the opportunity to answer your questions Midland Credit provided all of the account identifying information in its previous letter response to your office dated May 4, [redacted] objects to Midland Credit requesting that he provide proof of fraud in order to resolve his concerns In its previous response Midland Credit provided verification information provided by the seller for account nos [redacted] and [redacted] This verification information is enclosed again for [redacted] ***’s records Please note that the verification information provided by the seller meets the requirements of the Fair Debt Collection Practices Act (“FDCPA”) The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA Chaudhry vGallerizzo, F.3d (4th Cir1999) Now that Midland Credit has provided verification of account nos [redacted] and [redacted] , if [redacted] still believes the accounts to be products of fraud, Midland Credit would require proof of the same in order to be able to close them Until it receives such documentation substantiating [redacted] ***’s claim of fraud, based on the information available to it, including the information and documentation provided by the issuer, Midland Credit must respectfully conclude that the accounts remain valid, due and owing In its previous response Midland Credit stated that although it did not receive a request for verification of the debt for account no [redacted] in a timely manner per the FDCPA, upon receipt of his inquiry, Midland Credit has acknowledged his dispute, annotated the account as disputed, and ceased collection efforts while it is in the process of verifying the debt Once Midland Credit has obtained verification of the debt, a copy will be forwarded to your office As stated in its previous response, per [redacted] ***’s request, all of the accounts have been marked “Cease and Desist.” While account nos [redacted] and [redacted] remain due and owing, [redacted] will no longer receive correspondence or calls from Midland Credit representatives regarding any of the accounts unless a response is required by law, or it is to follits investigation of account no [redacted] through your office Again, please assure [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law

March 6, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your follow up letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 20, Midland Credit appreciates the opportunity to answer your questions Midland Credit provided all of the account identifying information in its previous letter response to your office dated February 18, [redacted] expresses a concern that she was not mailed an initial validation letter with regard to the above-referenced account As stated in its previous response: On December 25, 2009, Midland Credit mailed [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to [redacted] at the same address listed within her complaint, and was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] on January 2, 2015, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt [redacted] states that she sent a request for validation on December 22, 2014, and received no response As referenced above, [redacted] ’s correspondence was received by Midland Credit on January 2, In response to the correspondence Midland Credit mailed [redacted] a response on January 12, 2015, advising her that her correspondence was received, but that she had not included sufficient information for Midland Credit to determine the nature of her dispute As stated in its previous response, although [redacted] ’s request was untimely, Midland Credit acknowledged her dispute, ceased collection efforts, annotated the account as disputed, and began the process of verifying the debt Midland Credit has since obtained the referenced verification information from the seller A copy of the verification information provided by the seller is enclosed for [redacted] ’s records If [redacted] is ready to resolve this debt, she may qualify for a reduction in her account balance Please have [redacted] call Midland Credit Account Manager [redacted] at (800) 825- [redacted] ext*** to assist her in reaching a resolution that will be both beneficial to her, as well as resolve the account balance [redacted] also states that although Midland Credit stated in its previous response that it will not report the account to the three major credit reporting agencies until it is able to provide verification of the debt, the account is being reported Please note that the copies of credit reports which [redacted] has included in her follrequest pre-date the response in which Midland Credit stated it was taking those steps Midland Credit requested the account be removed from [redacted] ’s consumer credit files shortly after receipt of the original complaint Now that Midland Credit has provided verification information provided by the seller, Midland Credit may resume reporting of the account to the credit reporting agencies Per [redacted] ’s previous request, the above-referenced account will remain marked “Direct Mail Only.” While it remains due and owing, [redacted] will continue to not receive phone calls from Midland Credit representatives and all correspondence will be sent via the United States Postal Service 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] ***

Revdex.com: From: [redacted] *** [redacted] Date: Tue, Mar 10, at 4:PMSubject: [redacted] ComplaintTo: " [redacted] HelloI am seeing that The complaint has been Administratively Closed My complaint ID is [redacted] I am still receiving the following messages ..I told you before that they are not calling [redacted] they are calling my work cell [redacted] here is a snipping image of the calls still calling every day I can not believe that you will do nothing about this,, I guess I will need to go other means to get this to stopThank you [redacted]

Dear [redacted] Thank you for your letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 22, Midland Credit appreciates the opportunity to answer your questions [redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”) A copy of Midland Credit’s response to the CFPB is enclosed An investigation of this matter indicates that Midland Credit is the servicer of the two accounts belonging to [redacted] Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on December 6, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on June 26, 2008, as an [redacted] general consumer loan account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on November 6, The balance at the time of purchase was $1, Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on January 29, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on August 19, 2010, as a [redacted] credit card account number ending in [redacted] in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on January 11, The balance at the time of purchase was $ [redacted] expresses a concern that there are two accounts listed on his credit report that are beyond the legal reporting age A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period does not expire until June for account no [redacted] and July for account no [redacted] Please note that this does not extinguish the debt Rather, it prevents the accounts from being reported to the credit reporting agencies The accounts will remain collectible, due and owing to Midland Credit [redacted] also expresses a concern that the accounts were previously removed from his credit report; however, Midland Credit has subsequently begun reporting the accounts While Midland Credit is sensitive to [redacted] ’s concern, Midland Credit’s business records reflect that it has been reporting the accounts since they were purchased, and the federal reporting period for the accounts has not yet expired Midland Credit is accurately reporting the above-referenced accounts to the three major credit reporting agencies With that said, if [redacted] is ready to resolve the above-referenced debts, [redacted] may qualify for a reduction in his account balances Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] to assist him in reaching a resolution of the account balances 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 have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I am responding to MCM's request for an account numberThe account number as it appears on my credit reports is: [redacted] Regards, [redacted] ***

Dear [redacted] ***: Thank you for your letter inquiry dated September 15, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on June 28, Information provided by the seller, [redacted] , at the time of acquisition indicates this account was originated on March 18, as a [redacted] account number ending in [redacted] , in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on September 12, The balance at the time of purchase was $ Final payment on the account was received on August 26, [redacted] has no further financial obligation for this account [redacted] expresses a concern that Midland Credit has not honored the payment to settle his account Midland Credit received a payment of $on August 26, 2014, which was in accordance with the latest settlement offer for the accountThe payment was automatically applied to the account, and a letter confirming receipt of the payment was sent to [redacted] However, as [redacted] had not contacted Midland Credit directly to settle the account, the letter also advised him of the remaining balance on the account and encouraged him to contact Midland Credit to discuss the account further Midland Credit has now updated [redacted] ’s account to reflect the paid status, and apologizes for the administrative oversight that delayed the updating of the account [redacted] has 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] ***

June 3, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] , [redacted] , and [redacted] Dear [redacted] Thank you for your follletter inquiry regarding [redacted] ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received May 21, Midland Credit appreciates the opportunity to answer your questions Midland Credit provided all of the account identifying information in its previous letter response to your office dated May 13, [redacted] states that she never received the validation letters referenced in Midland Credit’s previous response, and requests that Midland Credit provide copies of the letters sent to her Please note that Midland Credit does not keep copies of all correspondence The initial validation letters provided are accurate representations of what [redacted] would have received The actual letters sent to [redacted] would have contained information specific to her accounts Additionally, the address to which the validation letters were mailed is [redacted] ***, which is the address provided by the original creditor at the time of purchase by Midland Funding, LLC The letters were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Again, [redacted] did not respond to these letters with a dispute or request for validation of the debt The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debts [redacted] also requests documents showing the assignment and purchase of the debt, and that Midland Credit was on the original contract Consumers are often unclear as to what the term “charge off” means for a debt When a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books Often, they then sell the debt to a collection agency Please note that the underlying promissory obligation remains valid, due and owing Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account A copy of the chain of title and bill of sale are enclosed for [redacted] ***’ records Midland Credit has contacted the sellers for the above-referenced accounts to obtain further verification documentation, which will be forwarded to your office upon receipt Additionally, Midland Credit will not report the accounts to the three major credit reporting agencies until it is able to provide verification of the debts 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]