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Reviews Midland Credit Management Inc

Midland Credit Management Inc Reviews (652)

Dear [redacted]
"">Thank you for your letter 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
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 May 14, 2012. Information
provided by the seller, [redacted], at the time of
acquisition indicates this account was originated on November 11, 2007, as a [redacted] [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 October 25, 2009.
The balance at the time of purchase was $830.86. Final payment on the account was received on August
25, 2014. [redacted] has no further
financial obligation for this account
[redacted]
expresses a concern that his validation requests have been ignored. On September 19, 2012, 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 [redacted] 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] response to the letter. A review of Midland Credit's business records
indicates that it received the first correspondence requesting validation from
[redacted] on September 8, 2014, which cannot be considered timely. Additionally, by that time [redacted] had
already resolved 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 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
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 22,
" lang="X-NONE">VIA E-Mail
Ms[redacted]
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
Dear Ms[redacted]:
Thank you for your letter inquiry regarding Ms[redacted]'s complaint, which Midland Credit Management, Inc("Midland Credit") received June 9, 2015. Midland Credit appreciates the opportunity to answer your questions
The account in question was assigned to the law firm of [redacted] and [redacted] ("[redacted] and [redacted]") located at [redacted]. Their phone number is ###-###-####
Ms[redacted] expresses a concern that a judgment not belonging to her is reporting on her consumer credit files. Ms[redacted] also express a concern that [redacted] and [redacted] was unable to assist her with the incorrect reporting of a lien. An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer with the same name as Ms[redacted]. Please be advised that at the time Ms[redacted] contacted [redacted] and [redacted], they were no longer servicing this account, as it had previously been returned to Midland Credit. [redacted] and [redacted] has been instructed to send Ms[redacted] a letter that confirms she is not the party against whom the judgment in the above matter was entered
Please note that the judgment is not reported by Midland Funding. Rather it is being reported by the credit reporting agencies as a matter of public record. When Ms[redacted] receives the letter from [redacted] and [redacted] that confirms she is the wrong party, she is encouraged to furnish this letter directly to the credit bureaus and advise them that the judgment is not against her
Midland Credit considers consumer complaints a serious matter, and fully respects consumers' rights. Midland Credit apologizes for the inconvenience caused to Ms[redacted]. Thank you again for your assistance in this matter. Please contact Midland Credit's Consumer Support Services team 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 February 17, 2015. Midland Credit appreciates the opportunity to answer your questions
[redacted] filed similar complaints through the South Carolina Department of Consumer Affairs ("SCDCA"), and the Consumer Financial Protection Bureau ("CFPB"). Copies of Midland Credit's responses to the SCDCA and CFPB are enclosed.
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 27, 2011. Information provided by the seller, [redacted]("[redacted]"), at the time of acquisition indicates this account was originated on November 18, 2008, as a [redacted] account number ending in [redacted], in the name of [redacted] [redacted] under the last four of the social security number[redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on October 31, 2011. The balance at the time of purchase was $12,905.51.
[redacted] writes that she has never had an account with Midland Funding. Please note, 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. The underlying promissory obligation remains valid, due and owing. Just as the original creditor, [redacted], had the right to legally seek repayment of the promissory obligation, the new third-party purchaser, Midland Funding, also has the right to repayment of the credit account. The account remains collectible, due, and owing to Midland Credit
[redacted] also indicates that Midland Credit has not provided her with validation of the debt. On January 2, 2012, Midland Credit mailed [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and informed her 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. Midland Credit received the first notice of possible dispute from the credit bureaus on January 2, 2014, which could not be considered timely. Midland Credit also received the first written correspondence requesting validation from [redacted] on October 2, 2014, which also could not 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
When a resolution could not be reached, on October 20, 2014, this account was outsourced to the law firm of [redacted] [redacted] ("[redacted] [redacted]"). The firm is located at [redacted], and their phone number is (678) [redacted]. Midland Credit forwarded a copy of the complaint to the firm and inquired with them regarding the matter. The firm has advised that when a resolution could not be reached with them, suit was filed on November 21, 2014.
[redacted] also expresses concern that the statute of limitations has run on her account. In the correspondence Midland Credit received October 2, 2014, and in subsequent correspondence, [redacted] listed her address as being in the state of [redacted]. Based on the stated residential address at the time, Midland Credit's business records indicate that the statute of limitations was not set to expire until April 4, 2017.
On February 12, 2015, Midland Credit received a complaint [redacted] filed with the [redacted] Department of Consumer Affairs, in which she listed her address as being in [redacted]. The account has been updated to reflect this change. [redacted] is correct, based on her new address, the statute of limitations would be expired. However, the passing of the statute of limitations does not extinguish the validity of the debt. Rather, it eliminates litigation as a potential remedy to collect the debt. Because suit was filed within [redacted]'s statute of limitations while [redacted] was living in [redacted], Midland Credit must respectfully conclude that suit was properly filed.
[redacted] also expresses concern that she was not served. [redacted] [redacted] advised that no service was performed as it had recalled the case from the service processor and has commenced dismissal of the lawsuit. Once the lawsuit has been dismissed, the file will be referred back to Midland Credit for servicing, as the debt still remains valid, due and owing. Since [redacted] now lives in [redacted], no new lawsuit will be filed on the account
Midland Credit's business records indicate that it is accurately reporting the account to the credit reporting agencies. The account has been marked "Cease and Desist." [redacted] will no longer 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]
Enclosure
%

Dear Ms[redacted]:
"TEXT-ALIGN: justify; MARGIN: 0in 0in 0pt" class="MsoNormal">
Thank you for your letter inquiry dated November 7, 2014, regarding Mr[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
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 28, 2012. Information provided by the seller, [redacted] Holdings LLC, at the time of acquisition indicates this account was originated on December 9, 2003, as a [redacted] cellular 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 3, 2012. The balance at the time of purchase was $435.39. Final payment on the account was received on February 22, 2013. Mr[redacted] has no further financial obligation for this account
Mr[redacted] indicated that he paid Midland Credit because he was told the account would be reported as a collection to the credit reporting agencies. As Midland Credit is a collection agency, every account reported to the credit reporting agencies is listed as a collection account. Although no specific instance was provided in the complaint, should Mr[redacted] have been advised how the account would be reported, this was an accurate statement of how the item would be reflected on his credit report and not a threat in order to obtain payment.
Mr[redacted] also expresses a concern that he paid [redacted] prior to Midland Credit becoming the servicer of the accountA review of Midland Credit's business records indicates that the last payment Mr[redacted] made to [redacted] was on November 28, for $295.17. As indicated above, the account was subsequently charged off on April 3, with a balance still due and owing. Mr[redacted] then paid Midland Credit for the account in February of 2013.
The first time Mr[redacted] indicated that he had made prior payments resolving the debt with the original creditor was in September, through a dispute made to the credit reporting agencies. His dispute did not include any supporting documentation of his claim, nor has any such documentation been received to date. Midland Credit inquired with [redacted] about the matter and they advised that no payment was made to them after November 28, but prior to the sale of the account to Midland Funding.
With that said, [redacted] has advised that Mr[redacted] very recently made a direct payment to them on November 1, in the amount of $435.39. However, as indicated above, he settled the account with a payment to Midland Credit on February 22, 2013. As [redacted] is no longer the owner of the account, and were unaware of the account's paid status with Midland Credit, they were in the process of preparing to forward the funds to Midland Credit. However, Midland Credit advised [redacted] that the account balance had already been resolved with Midland Credit, and [redacted] is currently in the process of returning the funds paid to them on November 1, 2014, directly to Mr[redacted]
Mr[redacted] also expresses a desire to have the account deleted from his consumer credit filesWhile Midland Credit did not make a prior agreement to delete the credit reporting in exchange for payment, per its Consumer-First policy it will fulfill his request. While the account will continue to appropriately reflect a paid status within Midland Credit's files, the credit reporting agencies have been notified to remove the item from Mr[redacted]'s credit report
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 (800) 825-ext[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]

Thank you for your letter inquiry dated October 21,
"">, regarding Ms[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
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 14, Information provided by the seller, [redacted] and [redacted], at the time of acquisition indicates this account was originated on June 1, 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 [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on March 27, 2011. The balance at the time of purchase was $1,524.39. Final payment on the account was received on June 1, 2013. Ms[redacted] has no further financial obligation for this account
?
As described in her complaint, Ms[redacted] alleges that she was advised by a Midland Credit representative that the account would be deleted after resolving the balance. Midland Credit has finished conducting its investigation regarding the alleged conduct of its employees, and it appears that no violation of company policy occurred. While Midland Credit is pleased that it was able to assist Ms[redacted] in reaching a resolution which settled the balance for the above-referenced account, it is Midland Credit's policy to report all accounts accurately. A review of Midland Credit's business records indicates that it is accurately reporting the above-referenced account as "Account paid in full, was a collection account." If Midland Credit were to delete the account, its correct and accurate status would not be reflected
?
Midland Credit considers consumer complaints a serious matter, and fully respects consumers' rights. Midland Credit apologizes for the inconvenience caused to Ms[redacted]
Thank you again for your assistance in this matter. Please contact Midland Credit's Consumer Support Services team at (800) 825-ext[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

"MARGIN: 0in 0in 0pt" class="MsoBodyText3">Dear [redacted]
Thank you for your letter inquiry regarding [redacted]'s complaint, which Midland Credit Management, Inc("Midland Credit") received April 22, 2015. 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, 2011. 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 [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 November 6, 2008. The balance at the time of purchase was $1,027.65.
Midland Credit became the servicer of account no[redacted], on behalf of purchaser, Midland Funding, on January 29, 2013. 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 [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on January 11, 2013. 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

Dear [redacted]
"margin: 0in 0in 0pt;" class="MsoBodyText3">Thank you for your letter inquiry dated April 9, 2014, regarding [redacted]'s complaint, which Midland Credit Management, Inc(hereinafter "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 (hereinafter "Midland Funding"), on May 14, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on April 14, as a [redacted] 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 September 6, 2009. The balance at the time of purchase was $2,310.20.
A review of Midland Credit's busi[redacted]s records indicates that on May 15, 2012, this account was outsourced to [redacted] located at [redacted]. Their telephone number is [redacted] The account was subsequently returned to Midland Credit on December 12, 2013.
[redacted] expresses concern that the balance of the account has increased since being returned to Midland Credit. Please note that the account was purchased from the seller with all rights. Interest charged by the original creditor is allowable by law. Likewise, any interest added by Midland Credit is permissible and was provided for in the contract with the original creditor when the account was purchased. This information would also normally be included in the paperwork the consumer receives when the account is initially opened.
Midland Credit does not assess fees or interest to a consumer's balance throughout the period of active repayment. While the account was with [redacted], interest continued to accrue, however, was not being assessed to the account because [redacted] was on an active repayment plan The statements sent to [redacted] by [redacted] did not include the interest, only the balance remaining on the settlement. When the account was returned to Midland Credit, the letter mailed to [redacted] included the full balance. Please note that statements sent by Midland Credit differ from [redacted] in that the full balance is shown, even if interest is being deferred. Once the settlement balance has been paid, the remaining balance is zeroed out
With that said, while a balance remains, in keeping with its Consumer-First policy, Midland Credit has made the busi[redacted]s decision to accept the monies already paid as full and final settlement of the account. [redacted] has no further financial obligation to the 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 our 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]

Thank you for your letter inquiry dated August 8,
"">, regarding Ms[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
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 9, 2011. Information provided by the seller, Verizon Communications, LLC, at the time of acquisition indicates this account was originated on December 3, as a Verizon Pennsylvania Incresidential telephone account number ending in 7191, 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 January 12, 2010. The balance at the time of purchase was $1,227.08.
Ms[redacted] expresses a concern that her validation requests have been ignoredNamely, Ms[redacted] writes that she did not dispute the account, but only requested validation of the debtPlease note that requesting validation of the debt is considered a dispute of the debt. On December 24, 2011, Midland Credit mailed Ms[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 the same address listed within Ms[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 Ms[redacted] in response to the letter. A review of Midland Credit's business records indicates that it received the first correspondence requesting validation from Ms[redacted] on February 17, 2014, which cannot be considered timely. Additional review indicates that in the first correspondence sent by Ms[redacted], she advised Midland Credit to consider the debt disputed, in addition to her request for validation
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 Ms[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
If Ms[redacted] is ready to settle the above-referenced debt, Ms[redacted] may qualify for a reduction in her account balance. Please have Ms[redacted] call Account Manager Denise Longtin at (800) 825-extto assist her in reaching a resolution that will be both beneficial to her, as well as settle the account balance
Midland Credit considers consumer complaints a serious matter, and fully respects consumers' rights. Midland Credit apologizes for the inconvenience caused to Ms[redacted]
Thank you again for your assistance in this matter. Please contact Midland Credit's Consumer Support Services team at (800) 825-extshould 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]:
"TEXT-ALIGN: justify; MARGIN: 0in 0in 0pt" class="MsoNormal">
Thank you for your letter inquiry regarding [redacted]'s complaint, which Midland Credit Management, Inc("Midland Credit") received April 21, 2015. Midland Credit appreciates the opportunity to answer your questions
While [redacted]'s inquiry only specifically referenced account no[redacted], an investigation of this matter indicates that Midland Credit is the servicer of three accounts belonging to [redacted]. This response will provide information regarding all three accounts so [redacted] will have a comprehensive overview of these debts
Midland Credit became the servicer of account no[redacted], on behalf of purchaser, Midland Funding, LLC ("Midland Funding"), on September 29, 2011. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on September 17, 2008, as a [redacted] cellular 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 17, 2009. The charge-off balance was $Additional seller fees of $resulted in a balance at the time of purchase by Midland Funding of $
Midland Credit became the servicer of account no[redacted], on behalf of purchaser, Midland Funding, on March 26, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on January 31, 2003, as a [redacted] cellular 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 July 5, 2011. The charge-off balance was $1,
Midland Credit became the servicer of account no[redacted], on behalf of purchaser, Midland Funding, LLC ("Midland Funding"), on October 14, 2013. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on November 11, 2005, as a [redacted] 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 February 28, 2009. The balance at the time of purchase was $595.45.
Midland Credit mailed [redacted] separate and unique validation letters – on October 7, 2011, for account no[redacted], on April 2, 2012, for account no[redacted], and on October 26, 2013, for account no[redacted]These letters informed him that Midland Funding had acquired the accounts, and of his rights pursuant to 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. U.S.C§
Midland Credit's business records indicate that it did not receive any correspondence disputing the debts or requesting validation from [redacted] in response to the letters. In fact, no correspondence was received directly from [redacted] prior to the complaint filed through your office, which cannot be considered timely per the FDCPA
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 notices in a timely manner, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debts
For account nos[redacted] and [redacted], copies of the verification information provided by the seller are enclosed for [redacted]'s records. If [redacted] is ready to resolve these two debts, he 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
Otherwise, as [redacted] states he never had an account with [redacted], Midland Credit stands ready to assist him 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 forward appropriate documentation to Consumer Support Services at the address on this letterhead
Although Midland Credit 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.
In the meantime, 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
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]
Enclosure

Dear Ms[redacted]:
"TEXT-ALIGN: justify; MARGIN: 0in 0in 0pt" class="MsoNormal">
Thank you for your letter inquiry regarding Mr[redacted]'s complaint, which Midland Credit Management, Inc("Midland Credit") received July 8, 2015. Midland Credit appreciates the opportunity to answer your questions
An investigation of this matter indicates that Midland Credit is the servicer of accounts belonging to Mr[redacted]. Midland Credit became the servicer of account no[redacted], on behalf of purchaser, Midland Funding, LLC ("Midland Funding"), on May 29, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on May 6, as a T-Mobile cellular account number ending in [redacted], in the name of [redacted] [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on August 28, 2011. The balance at the time of purchase was $117.55.
Midland Credit became the servicer of account no[redacted], on behalf of purchaser, Midland Funding, on October 30, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on March 18, as a T-Mobile cellular account number ending in 6514, in the name of [redacted] [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on January 12, 2011. The balance at the time of purchase was $371.63.
Mr[redacted] writes that the accounts do not belong to him. Midland Credit mailed Mr[redacted] separate and unique validation letters – on June 16, 2012, for account no[redacted], and on November 10, 2012, for account no[redacted]These letters informed him that Midland Funding had acquired the accounts, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq. ("FDCPA"). Please note that the letters were mailed to Mr[redacted] at the same address listed within his complaint, and were not returned as "undeliverable" by the United States Postal Service, satisfying the notification requirements of the FDCPA. U.S.C§
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 notices at the time, Midland Credit appropriately proceeded with efforts to contact Mr[redacted] and collect the debts. Midland Credit's business records indicate that it has not received any correspondence from Mr[redacted] pursuant to the Texas Finance Code
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 both accounts. There will be no further collection activity, credit reporting or sale of these accounts. In addition, the three credit-reporting agencies have been notified to delete Midland Credit's reference to the collection accounts in question from Mr[redacted]'s consumer credit files
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 (800) 825-ext[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]

Dear [redacted]
"TEXT-ALIGN: justify; MARGIN: 0in 0in 0pt" class="MsoNormal">
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc("Midland Credit") received July 28, 2015. 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 8, 2009. Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on January 28, as a [redacted], 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 June 9, 2009. The balance at the time of purchase was $475.02.
[redacted] writes that she has never had an account with Midland Credit or any other company. Please note, this account did not originate with Midland Credit. As noted above, this account was originated by [redacted] The account was charged-off by [redacted]. When a creditor "charges off" an account, 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. However, 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.
[redacted] also writes that Midland Credit has not provided validation. On October 17, 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"). 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, Midland Credit did not receive any correspondence directly from [redacted] prior to the complaint filed through your office
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 copy of the verification information provided by the seller is enclosed for [redacted]'s records. Please note that the verification documentation provided by the seller meets the requirements of the FDCPA. The original contract, complete payment history, and a full set of billing statements are not required under the FDCPAChaudhry vGallerizzo, F.3d (4th Cir1999)
With that said, 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 account. There will be no further collection activity, credit reporting or sale of this account. In addition, the three credit-reporting agencies will be notified to delete Midland Credit's reference to the collection account in question from [redacted]'s consumer credit files
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

June 27,
"MARGIN: 0in 0in 0pt">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 letter inquiry regarding [redacted]' complaint, which Midland Credit Management, Inc("Midland Credit") received June 17, 2016. [redacted] subsequently submitted an additional message which was received by Midland Credit on June 21, 2016, wherein she expresses similar concerns. This letter will serve to address both inquiries. 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 November 24, 2015. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on May 31, 2012, as a [redacted] 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 October 14, 2015. The balance at the time of purchase was $3,448.88.
[redacted] states that Midland Credit agreed to remove the above-referenced account from all three credit bureaus once the debt was settled as agreed. However, a review of Midland Credit's business records do not indicate that Midland Credit advised [redacted] the account would be removed from her credit report once the account balance had been settled.
Midland Credit received final payment for the above-referenced account on June 17, 2016. Please note, the account is currently in the process of being updated as paid in Midland Credit's records. Once the account has been updated, Midland Credit will furnish information for the above-referenced account as "Account paid in full, was a collection account" with an additional memo "Account paid in full for less than the full balance." If Midland Credit were to delete the account, its correct and accurate status would not be reflected
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]

Thank you for your letter inquiry dated July 1,
"">, regarding Ms[redacted]'s complaint, which Midland Credit Management, Inc(hereinafter "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 (hereinafter "Midland Funding"), on September 29, 2008. Information provided by the seller, Citibank (South Dakota), NA, at the time of acquisition indicates this account was originated on May 10, as a Citibank USA, N.A./The [redacted] credit card account number ending in [redacted], in the name of [redacted] M [redacted], under the last four of the social security number [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on February 17, 2008. The balance at the time of purchase was $451.68.
Ms[redacted] requests validation documentation on the account. On October 5, 2008, Midland Credit mailed Ms[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 Ms[redacted] 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 Ms[redacted] in response to the letter. In fact, no correspondence was received from Ms[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 Ms[redacted] and collect the debt
Ms[redacted] also expresses concern that the account was placed for collections in which would make the debt outside the reporting dates. A review of Midland Credit's business records indicates that the seven-year Federal Reporting period for the above-referenced account does not expire until March 2015. Please note that this does not extinguish the debt. Rather, it prevents the account from being reported to the credit reporting agencies. The account will remain collectible, due and owing to Midland Credit
Further review of Midland Credit's business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies. If Ms[redacted] is ready to settle the above-referenced debt, she may qualify for a reduction in her account balance. Please have Ms[redacted] call Account Manager Denise Longtin at (800) 825-ext[redacted] to assist her in reaching a resolution that will be both beneficial to her, as well as settle the account balance
Midland Credit considers consumer complaints a serious matter, and fully respects consumers' rights. Midland Credit apologizes for the inconvenience caused to Ms[redacted]
Thank you again for your assistance in this matter. Please contact our Consumer Support Services team at (800) 825-ext[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]

Dear [redacted]
"TEXT-ALIGN: justify; MARGIN: 0in 0in 0pt" class="MsoNormal">
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc("Midland Credit") received March 3, 2015. 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 May 19, 2011. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on June 20, 2007, as a [redacted] 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 26, 2011. The balance at the time of purchase was $1,331.40. Final payment on the account was received on June 24, 2013. [redacted] has no further financial obligation for this account
[redacted] expresses a desire to have the above-referenced account deleted from his consumer credit files since the debt has been repaid. While Midland Credit is pleased that it was able to assist [redacted] in reaching a resolution which resolved the balance for the above-referenced account, please note that it is Midland Credit's policy to report all accounts accurately. A review of Midland Credit's business records indicates that it is accurately reporting the above-referenced account as "Account paid in full, was a collection account." If Midland Credit were to delete the account, its correct and accurate status would not be reflected
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]

Thank you for your letter inquiry dated regarding Ms[redacted]'s
lang="X-NONE" "">complaint, which Midland Credit Management, Inc("Midland Credit") received November 19, 2014. 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 28, 2011. Information provided by the seller, Main Street Acquisition Corp., at the time of acquisition indicates this account was originated on December 7, 2007, as a First Bank of Delaware/Continental Finance MasterCard 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 March 31, 2008. The balance at the time of purchase was $
Ms[redacted] expresses a concern that her validation requests have been ignored, alleging the debt does not belong to her. On February 13, 2012, Midland Credit mailed Ms[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 Ms[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 Ms[redacted] in response to the letter. While Midland Credit has received notifications from the credit reporting agencies advising it of possible disputes, no correspondence was received directly from Ms[redacted] prior to the complaint filed through your office
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 Ms[redacted] and collect the debt
While Ms[redacted]'s request is untimely, a copy of the verification information provided by the seller, which was previously mailed to her on or about November 14, 2014, is enclosed for her records
Aside from the above, Ms[redacted] requests that Midland Credit delete the account from her consumer credit files. A review of Midland Credit's business records indicates that the seven-year Federal Reporting period for the above-referenced account will expire December at which time credit reporting on this account will cease. Please note that this does not extinguish the debt. Rather, it prevents the account from being reported to the credit reporting agencies. The account will remain collectible, due and owing to Midland Credit. That being said, Midland Credit has notified the credit reporting agencies to delete all reference to the account from Ms[redacted]'s consumer credit files due to the impending expiration of the seven-year Federal Reporting Period
Midland Credit stands ready to assist Ms[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 Ms[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 www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf. If submitting an affidavit of fraud, Ms[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
Otherwise, if Ms[redacted] is ready to settle the above-referenced debt, she may qualify for a reduction in her account balance. Please have Ms[redacted] call Account Manager [redacted] at (800) 825-ext[redacted] to assist her in reaching a resolution that will be both beneficial to her, as well as settle the account balance
Midland Credit considers consumer complaints a serious matter, and fully respects consumers' rights. Midland Credit apologizes for the inconvenience caused to Ms[redacted]
Thank you again for your assistance in this matter. Please contact Midland Credit's Consumer Support Services team at (800) 825-ext[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

Dear Ms[redacted]:
"TEXT-ALIGN: justify; MARGIN: 0in 0in 0pt" class="MsoNormal">
Thank you for your letter inquiry regarding Mr[redacted]' complaint, which Midland Credit Management, Inc("Midland Credit") received August 13, 2015. 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 January 31, 2013. Information provided by the seller, Verizon Wireless, at the time of acquisition indicates this account was originated on August 6, as a Verizon Wireless cellular 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 December 7, 2009. The balance at the time of purchase was $653.10.
Mr[redacted] expresses a concern that Midland Credit has re-aged the account by listing an open date that is later than the original. While Midland Credit is sensitive to Mr[redacted]' concern, Midland Credit 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 this account 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 Mr[redacted]' credit report is in fact the date of purchase by Midland Funding LLC. Midland Credit is furnishing accurate information to the credit reporting agencies
Additionally, please assure Mr[redacted] that the manner in which Midland Credit's tradeline appears on his consumer credit files does not affect the expiration of the seven-year Federal Reporting period. A review of Midland Credit's business records indicates that the first date of delinquency for the account was July 10, 2009. As such, the Federal Reporting period for the account will expire in July 2016. Please note that this does not extinguish the debt, rather, it prevents the account from being reported to the credit reporting agencies The account will remain collectible, due and owing to Midland Credit.
If Mr[redacted] is ready to resolve the above-referenced debt, he may qualify for a reduction in his account balance. Mr[redacted] may call a Midland Credit account manager at 800-825-to assist him in reaching a resolution of the account balance
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 (800) 825-ext[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
GJG: ivf

Thank you for your letter inquiry dated July 17,
"">, regarding Ms[redacted]'s complaint, which Midland Credit Management, Inc(hereinafter "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 (hereinafter "Midland Funding"), on November 24, 2010. Information provided by the seller, General Electric Capital Corp., at the time of acquisition indicates this account was originated on August 31, as a GE Money Bank/Wal-Mart credit card account number ending in 6360, 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 January 17, 2010. The balance at the time of purchase was $
Ms[redacted] states that if Midland Credit is unable to provide validation it must cease all collection activity and requests that Midland Credit remove its tradeline from her consumer credit files. Midland Credit sent Ms[redacted] a validation letter on December 2, 2010. In the letter, Midland Credit informed her that Midland Funding had acquired the account, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, U.S.C§ et seq. ("FDCPA"). Please note that the letter was not returned as "undeliverable" by the United States Postal Service – thus the notification requirements of the FDCPA were satisfied. U.S.C§
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 Ms[redacted] and collect the debt
Midland Credit's business records indicate that it received the first correspondence from Ms[redacted] on May 15, 2014. Upon receipt, Midland Credit appropriately marked the account "Cease and Desist," per Ms[redacted]'s request. Based on the information she provided in the correspondence and pursuant to the Texas Finance Code, Midland Credit responded by sending her a letter advising that Midland Credit had determined that its credit file and credit reporting of the account was accurate and acknowledged her request for Midland Credit to cease further communication
Please note that based on the information provided by the seller, Midland Credit has determined that its credit file and credit reporting of the above-referenced account is accurate. Midland Credit will be closing its investigation of Ms[redacted]'s dispute and will be resuming regular collection activities as allowed by the Texas Finance Code and/or the Fair Credit Reporting Act
With that said, the account remains marked "Cease and Desist." While it remains due and owing, Ms[redacted] will continue to 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 Ms[redacted]
Thank you again for your assistance in this matter. Please contact our Consumer Support Services team at (800) 825-extshould 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]:
"TEXT-ALIGN: justify; MARGIN: 0in 0in 0pt" class="MsoNormal">
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc("Midland Credit") received March 5, 2015. 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 November 27, 2013. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on May 24, 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 [redacted]. Subsequently, the account was charged-off as an unpaid delinquent-debt on October 28, 2012. The balance at the time of purchase was $1,470.03.
Please note that the attachment referenced by [redacted] was not included in the complaint as submitted by your office. [redacted] expresses a concern that Midland Credit has not honored the payment arrangement to resolve the balance. A review of Midland Credit's business records indicates that [redacted] created an online payment plan on October 24, 2014. This payment plan was to pay a total of $1,in six payments, with a down payment of $and five additional payments of $196.00, due by the 24th of each month. A letter confirming this payment plan was mailed to [redacted] that same day, and the first payment of the plan was applied, leaving a remaining balance of $980.00.
On November 13, 2014, [redacted] called Midland Credit to adjust the payment date for November to November 26, 2014. A letter confirming the updated arrangement for [redacted]'s plan was mailed to her on November 14, 2014, which also listed the remaining balance owed and the five additional payments due in the plan. [redacted] made four additional payments, on November 26, 2014, December 24, 2014, January 24, 2015, and February 24,
Midland Credit acted in a timely manner and has complied with all applicable laws. However, in keeping with its Consumer-First policy, Midland Credit will accept the payments made by [redacted] to resolve the balance on 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 10,
" lang="X-NONE">VIA E-Mail
[redacted]
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc("Midland Credit") received May 29, 2015. Midland Credit appreciates the opportunity to answer your questions
An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer. During a search for the correct consumer, [redacted] phone number was provided to Midland Credit representatives by a third party. In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account.
Midland Credit had no information that it was contacting a wrong number until it was advised as such during a phone call on May 27, 2015. At that time, the phone number was appropriately marked "Do Not Call" in Midland Credit's computer system for the account. Since then, the phone number has not been dialed. [redacted] will continue to no longer receive calls from Midland Credit representatives regarding the referenced account. Additionally, [redacted] phone number, [redacted] has been added to an exclusion list to prevent it from being called in the future regarding the referenced 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]

Dear Ms[redacted]:
"TEXT-ALIGN: justify; MARGIN: 0in 0in 0pt" class="MsoNormal">
Thank you for your letter inquiry regarding Mr[redacted]'s complaint, which Midland Credit Management, Inc("Midland Credit") received February 19, 2015. 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, 2013. 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 [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 November 17, 2009. The balance at the time of purchase was $1,474.31. Final payment on the account was received on December 18, 2014. 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, 2015. 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

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