Midland Credit Management

Dear [redacted] ***: Thank you for your follletter inquiry dated March 26, 2014, regarding [redacted] *** 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 Please note that Midland Credit provided all relevant account identifying information in its previous letter response to your office, dated March 18, In his follow-up, [redacted] questions where he should send his notarized Identity Theft Affidavit [redacted] may forward the appropriate documentation to Consumer Support Services at the address on this letterhead An Identity Theft Affidavit is enclosed for [redacted] *** [redacted] should complete the form and have the form notarized Once received, Midland Credit will thoroughly review the Affidavit 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] Enclosure

Dear [redacted] 11pt;"> Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 21, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of three accounts belonging to [redacted] Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on April 15, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on November 3, 2006, 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 May 9, 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 9, Information provided by the seller, [redacted] *** at the time of acquisition indicates this account was originated on December 6, 2009, 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 9, The balance at the time of purchase was $ Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on May 14, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on May 11, 2007, as a [redacted] credit card 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 April 16, The balance at the time of purchase was $ [redacted] expresses a concern that Midland Credit has not used proper collection procedures Midland Credit mailed [redacted] separate and unique validation letters – on May 21, 2011, for account no [redacted] , on June 16, 2012, for account no [redacted] , and on July 8, 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”) 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 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 [redacted] also states that he has not received electricity from [redacted] As indicated above, the debt originating from [redacted] *** was in relation to a [redacted] credit card account, and not electricity A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced accounts to the three major credit reporting agencies If [redacted] is ready to resolve the above-referenced debts, [redacted] may qualify for a reduction in his account balances Please have [redacted] call Account Manager [redacted] at [redacted] *** to assist him in reaching resolutions that will be both beneficial to him, as well as resolve the account balances 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] ***: 0in 0in 0pt;"> Thank you for your letter inquiry dated April 15, 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 is the servicer of three accounts belonging to [redacted] *** Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on March 10, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on May 3, 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 February 28, The balance at the time of purchase was $1, Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on May 28, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on March 20, 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 April 16, The balance at the time of purchase was $1, Midland Credit became the servicer of account no [redacted] on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on July 11, Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on July 25, 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 July 23, The balance at the time of purchase was $ [redacted] *** expresses a concern that his validation requests have been ignored A review of Midland Credit’s business records indicates that shortly after Midland Funding acquired the above-referenced accounts, on March 20, for account no [redacted] , on June 7, for account no [redacted] , and on September 16, for account no [redacted] Midland Credit mailed [redacted] separate and unique validation letters, which 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 [redacted] via the United States Postal Service, and were 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 debts or requesting validation from [redacted] in response to the letters In fact, no correspondence was received 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 notices at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debts [redacted] also questions whether the accounts are collectible due to the expiration of the Statute of Limitations A review of Midland Credit’s business records indicates that the Statute of Limitations expired on September 20, for account no [redacted] , on February 15, for account no [redacted] , and on December 25, for account no [redacted] However, the passing of the Statute of Limitations does not extinguish the validity of the debts Rather, it eliminates the legal cause of action, or remedy The above-referenced accounts still remain collectible, due and owing to Midland Credit [redacted] also expresses a concern that Midland Credit is reporting the accounts on his credit report in spite of the accounts being past the statute of limitations Please note that the statute of limitations and the seven-year Federal Reporting period are different The Federal Reporting period will expire in September for account no.’s [redacted] and [redacted] , and in December for account no [redacted] This also does not extinguish the debts Rather, it prevents the accounts from being reported to the credit reporting agencies Again, the accounts will still remain collectible, due and owing to Midland Credit A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced accounts to the three major credit reporting agencies In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, [redacted] ***’s accounts have been referred to Account Manager [redacted] Please have [redacted] call [redacted] at [redacted] ***, to discuss repayment options 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] ***

Dear Ms***: Thank you for your letter inquiry dated November 7, 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 March 26, Information provided by the seller, [redacted] Holdings LLC, at the time of acquisition indicates this account was originated on September 21, 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 July 12, The balance at the time of purchase was $ [redacted] writes that they dispute the above-referenced debt Pursuant to Midland Credit’s standard business practices, on December 4, 2013, Midland Credit mailed [redacted] the initial validation, advising of the role of Midland Credit as the servicer of the account and providing them with the required disclosure of rights set forth in the Fair Debt Collection Practices Act, U.S.C§ (“FDCPA”) Midland Credit’s business records indicates that prior to receiving the complaint through your office, Midland Credit received correspondence requesting validation from [redacted] on November 6, As the correspondence was received in a timely manner pursuant to applicable law specific to the account, Midland Credit acknowledged their dispute, ceased collection efforts, annotated the account as disputed, and began the process of verifying the debt While Midland Credit has acted in a timely manner and has complied with all applicable laws, in keeping with its Consumer-First policy, Midland Credit has 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 have been/will be notified to delete all reference to the 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 (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] ***

November 7, New Roman ? 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 dated October 24, 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 [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 became the servicer of the above-referenced account on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on January 31, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on April 1, 2009, 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 1, The balance at the time of purchase was $ ? [redacted] expresses a concern that her requests for validation have been ignored On February 13, 2013, 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 in her 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 her complaint through the CFPB, 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 ? Midland Credit’s business records also indicate that on September 29, 2014, upon receiving a call from [redacted] stating that she was not aware of the account, the representative mailed [redacted] a letter which provided her with the details for the referenced account on October 1, The letter also requested the she contact Midland Credit if further assistance was needed To date, no further contact has been received directly from [redacted] ? [redacted] also indicates that when she contacted the original creditor, the representative advised her that there was no record of the above-referenced account 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 ? With that said, 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 ? If [redacted] is ready to settle the above-referenced 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, as well as settle the account balance ? 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 [redacted] New Roman"> Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received July 1, 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 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 accounts Please note, Midland Credit had no information that the number provided in [redacted] complaint was a wrong number for the consumer until receipt of the complaint through your office [redacted] phone number has been marked “Do Not Call” in Midland Credit’s computer system for the referenced accounts [redacted] will no longer receive calls from Midland Credit representatives regarding the referenced accounts Additionally, [redacted] ’s phone number [redacted] has been added to an exclusion list to prevent it from being called in the future regarding the referenced accounts 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] ***

RESPONDING TO EMAIL REQUESTING COMFERMATION MIDLAND COLLECTION WAS INDEED AT FAULT.I HAVE SENT LETTERS AND TALK TO THE STAFF OVER THE YEARS THAT I WAS IN A CAR ACCIDENT IN THE YEAR RESULTING IN BRAIN INJURIES.I HVE TOLD THEM VERBALLY ,MY FAMILY HAVE TOLD THEM ,I HAVE HAD BRAIN INJURIES ,WAS UNABLE TO WORK,UNABLE TO MAKE DECISSIONS FINACAILLY OR OTHER WISE.SENT THEM LETTERS,DOCUMENTS FROM THE DOCTORS ETC.STATING THIS.THE COMPANY HAS FILED LEINS OR TOOK OVER THE ACCOUNTS IN QUESTION TRYING TO COLLECT A DEBT THAT I HAVE NO REALL WAY OF KNOWING I OWE,OR USED.MEMORY WAS NEXT TO NOTHING FOR THE YEARS AND YEARS BEFORE AND YEARS AFTER DUE TO TRAMUA.MIDLAND CONTINUES TO FILE CLAIMS ON ALL MY CREDIT REPORTS,HAS LEINS ON MY NAME AT THE LOCAL COURT , ETC....MY NAME IS IN RUINS AS IS MY CREDIT .ANY FURTHER INFOMATION NEEDED TO SOLVE THIS AND CLEAR UP THE COURT HOUSE RECORDS AS WELL AS THE CREDIT REPORTING COMPANYS ..PLEASE LET ME KNOW BY EMAIL OR MY CELL [redacted] .THANKS EVER SO MUCH FOR THE EFFORT IN THIS [redacted] ***

December 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] Midland Credit provided all of the account identifying information in its previous letter response to your office dated October 13, [redacted] continues to stand firm in his assertion that he paid the account in full in order to have the debt removed from his credit Midland Credit reiterates that [redacted] appropriately and correctly advised [redacted] of how the account would be reported to Midland Credit once paid Additionally, the account information Midland Credit is furnishing to the three major credit reporting agencies is accurate Midland Credit will continue furnishing account 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.” As previously stated, 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] ***

Dear [redacted] Thank you for your letter inquiry dated May 13, 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 [redacted] filed similar complaints through the Consumer Financial Protection Bureau (“CFPB”) Given that Midland Credit’s response to the complaint from your office would be the same as the response which Midland Credit previously provided to the CFPB, copies of those responses are enclosed As stated in Midland Credit’s April 4, response to [redacted] through the CFPB, Midland Credit had acknowledged her dispute, ceased collection efforts, annotated the account as disputed, and was in the process of verifying the debtMidland Credit contacted the seller; however, they have yet to provide verification documentation for the above-referenced account Therefore, as stated in its response to the CFPB on May 20, 2014, in the interest of providing the highest level of consumer satisfaction and in accordance with its policy to react affirmatively to consumer issues, Midland Credit has closed the above-referenced accountThere will be no further collection activity, credit reporting or sale of the above-referenced accountIn addition, the three credit-reporting agencies have been notified to delete all reference to this account 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 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] Enclosure

February 9, 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 follletter inquiry dated January 26, 2015, 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 [redacted] writes that although Midland Credit stated in its previous response that the account would be removed from his consumer credit files, it has appeared on credit reports which he has recently received As advised, Midland Credit did take the steps necessary to have the account removed from [redacted] ***’s consumer credit files at the time of its previous response If this account has appeared on his credit file again, Midland Credit will again take the necessary steps to have the account removed In keeping with its Consumer-First policy, Midland Credit made the business decision to close the account altogether There will be no further collection activity, credit reporting or sale of 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] ***

April 21, 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] ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 7, 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 March 30, [redacted] continues to express concern that her request for validation from July was ignored, that she never received a response from [redacted] and requests specific information and validation of the debt A review of business records indicates that [redacted] response to [redacted] ***’s validation request was mailed on September 25, to the same address listed in her original complaint, [redacted] As indicated in its previous response, the original creditor is [redacted] , account noending in ***Enclosed is a copy of the bill of sale verifying Midland Funding as the rightful owner of the accountThe account was charged off on February 18, 2014, with a balance of $1, The balance at the time of purchase by Midland Funding was $1, The current amount due is also $1,404.16, which is the charge-off balance of $1,plus $in costs The verification information provided by the seller was provided to [redacted] in the response from [redacted] on September 25, 2015, and in Midland Credit’s previous responseThe date of delinquency for the account occurred on August 23, 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 FDCPAChaudhry vGallerizzo, F.3d (4th Cir1999) [redacted] also requests information about any insurance claims made by any creditor regarding the accountIf [redacted] has concerns or questions about insurance claims made by the original creditor, she may contact [redacted] directly Midland Credit has not made any insurance claims regarding this account Additionally, [redacted] ***’s letter references a requirement that Midland Credit respond to her dispute within days Please note that neither the FDCPA nor existing law requires a debt collector to provide a response within days Midland Credit takes all allegations of improper conduct seriously, and does everything it can to avoid any possible violation of the FDCPA and other applicable laws and regulations While Midland Credit acknowledges [redacted] ***’s right to dispute the debt, Midland Credit is handling her account appropriately and will continue to do so Midland Credit must respectfully conclude that it and [redacted] have acted in a timely manner and have complied with all applicable laws A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate Midland Credit encourages [redacted] to work with [redacted] to assist in reaching a positive resolution [redacted] may reach [redacted] at [redacted] Their phone number is [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 dated August 4, 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 Midland Credit provided all the relevant account information in its previous letter response to your office dated July 28, [redacted] expresses concern that Midland Credit has not provided verification of the above-referenced debt Please note that Midland Credit provided verification information by mail in response to [redacted] ’s May 13, correspondence, which was also enclosed in its previous response to your office 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 FDCPAChaudhry vGallerizzo, F.3d (4th Cir1999) [redacted] also states that he filed a police report for identity theft with the [redacted] Police Department and provided Midland Credit with the case number Please note that Midland Credit did not receive a copy of such police report as requested in its previous response to your office, or an affidavit of fraud showing that he reported the fraudulent activity While Midland Credit did not receive the requested documentation, it conducted an investigation using the information provided by [redacted] , and was unable to locate such record with the [redacted] Police Department 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 all reference to the 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 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] ***

Dear [redacted] ***: 0in 0in 0pt;"> Thank you for your letter inquiry dated August 8, 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 A review of Midland Credit’s business records indicates that [redacted] has retained an attorneyGoing forward, all communication about the matter should be handled by her attorney If [redacted] is no longer represented by an attorney, please have her provide Midland Credit with written notice so it may update its records and allow its representatives to communicate with her directly An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of pur***r, Midland Funding LLC (“Midland Funding”), on January 4, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on November 28, 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 April 30, The balance at the time of pur [redacted] was $8, [redacted] states that Midland Credit has not provided verification of debt Midland Credit sent [redacted] a validation letter on January 9, to the same address listed within her complaint In the letter, Midland Credit informed 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§ Midland Credit’s business records indicate that it has not received any correspondence from [redacted] in response to that letter or pursuant to the Texas Finance Code 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 Midland Credit will be closing its investigation of [redacted] ***’s dispute and will be resuming regular collection activities as allowed by the Texas Finance Code and/or the Fair Credit Reporting Act [redacted] also expresses concern that Midland Credit is not reporting accurately on her consumer credit files A review of business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies However, in keeping with its Consumer-First policy, Midland Credit has submitted an instant update to the three major credit reporting agencies to reconfirm accurate reporting of its tradeline on [redacted] ***’s consumer credit files With that said, a copy of the verification information provided by the seller is enclosed for [redacted] ***’s records If [redacted] is ready to settle this debt, she may qualify for a reduction in her account balance Please have [redacted] ***’s attorney call Midland Credit Account Manager [redacted] at [redacted] *** to assist in reaching a resolution that will be both beneficial to [redacted] ***, 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 [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

> Thank you for your letter inquiry dated August 18, 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 Mr [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 became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on April 23, Information provided by the seller, T-Mobile PCS Holdings LLC, at the time of acquisition indicates this account was originated on December 28, as a T-Mobile cellular account number ending in 1201, 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 July 27, The charge-off balance was $1,Additional seller fees of $resulted in a balance at the time of purchase by Midland Funding of $1, Mr [redacted] writes that Midland Credit has not provided validation of the debt and requests that Midland Credit remove its tradeline from his consumer credit filesMidland Credit sent Mr [redacted] a validation letter on December 4, In the letter, Midland Credit informed him 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§ Midland Credit’s business records indicate that it did not receive any correspondence from Mr [redacted] in response to that letter or pursuant to the Texas Finance Code 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 Mr [redacted] and collect the debt 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 have been notified to delete all reference to the account 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] 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 Midland stated they do not supply day past due, yet I continue to see days past due on my reportsI have seen this complaint among several others on this website, But yet Midland continues to deny it is supplying the informationI will use this letter to mail to the credit agency as proof that the information is and needs to be changed Regards, [redacted] ***

Dear [redacted] ***: 0in 0in 0pt;"> Thank you for your letter inquiry dated September 10, 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 December 28, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on February 2, as an [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 May 31, The balance at the time of purchase was $2, [redacted] expresses a concern that the above-referenced account is the result of fraud On January 8, 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 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 While Midland Credit received notices of possible disputes from the credit reporting agencies beginning July 22, 2013, no written 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 However, Midland Credit 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 forward appropriate documentation to Consumer Support Services at the address on this letterhead 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 July 8, 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 became the servicer of the above-referenced account on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on September 8, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account originated on June 6, 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 January 14, The balance at the time of purchase was $ [redacted] expresses a concern that Midland Credit has failed to provide him with validation On October 10, 2009, 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”) 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 A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] on April 15, 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 Although the April 15, request was not timely, verification information provided by the seller was mailed to [redacted] in response to his dispute on April 24, Please note that the verification information 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) A copy of the verification information provided by the seller is enclosed [redacted] requests information regarding the statute of limitations A review of Midland Credit’s business records indicates that the statute of limitations has expired However, please note that the passing of the statute of limitations does not extinguish the validity of the debtRather, it eliminates litigation as a potential remedy to collect the debt Similar to the statute of limitations, the expiration of the seven-year Federal Reporting period also does not extinguish the debt It only prevents the account 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 above-referenced account has expired Midland Credit ceased credit reporting of the above-referenced account as of May [redacted] also requests a copy of an agreement signed between him and Midland Credit Management stating that he has a contractual responsibility for the above-referenced debt Please note that 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 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 With that said, to help alleviate [redacted] s concerns, although such documentation is not normally provided, copies of the bills of sale between [redacted] , and [redacted] and Midland Funding are enclosed A copy of a seller data sheet confirming the account was included in the purchase from [redacted] is also enclosed Additionally, [redacted] questions whether Midland Credit is licensed to conduct business in the State of [redacted] Please be assured that Midland Credit is licensed and/or bonded in every state which requires such licensing and/or bonding for collection companies With that said, if [redacted] is ready to resolve the above-referenced debt, he may qualify for a reduction in his account balance Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] to assist him in reaching a resolution of his 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

Midland Funding showed up on my credit report out of nowhere Saying that I owe a debt to them and I never even heard of them After looking them up I see the fraudulently act like they purchase a old debt on your credit report with a fake bill of sale I want them to send me proof a validation that I owe this money to them with my signature on any documents

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] and [redacted] Dear [redacted] Thank you for your letter inquiry regarding [redacted] ’ complaint, which Midland Credit Management, Inc(“Midland Credit”) received November 10, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of the two accounts referenced in [redacted] ’ complaint Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on May 29, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on December 21, 2007, as a [redacted] ***./ [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 9, The balance at the time of purchase was $ Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on February 8, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on August 22, 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 January 31, The balance at the time of purchase was $2, [redacted] expresses a concern that Midland Credit has ignored their request for validation Midland Credit mailed [redacted] separate and unique validation letters – on June 6, 2013, for account no [redacted] , and on February 17, 2012, for account no [redacted] These letters informed them that Midland Funding had acquired the accounts, and of their 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 has not received any written correspondence from [redacted] pursuant to the [redacted] Finance Code Please note, [redacted] advises that on July 1, 2016, she mailed a certified letter requesting validation of the account to Midland Credit at the Aero DrSte San Diego, CA address In July 2015, Midland Credit moved offices from Aero Drive #200, San Diego, CA to Northside Drive, Suite 300, San Diego, CA While no written correspondence requesting validation for the accounts has been received from [redacted] , Midland Credit’s business records indicates that it received notices of possible disputes from the credit reporting agencies for the above-referenced accounts on June 17, 2016, and August 23, In response to the notices of possible disputes for account no [redacted] , Midland Credit mailed a letter advising [redacted] that it needed more time to investigate their concerns on July 6, Subsequently, Midland Credit made the business decision to close account no [redacted] There will be no further collection activity, furnishing of account information to the credit bureaus, or sale of account no [redacted] In addition, the three credit-reporting agencies have been notified to delete Midland Funding’s reference to the collection account in question from [redacted] consumer credit files A copy of the Universal Data Form showing the request which was sent to the credit reporting agencies is enclosed for [redacted] ’ records With regard to account no [redacted] , upon receipt of [redacted] ’ notices of possible disputes, verification information provided by the seller was mailed on July 6, 2016, and again on August 31, Although verification information provided by the seller was mailed to [redacted] in response to their previous notices of possible disputes for account no [redacted] , a copy of that documentation is again enclosed for their records Please note that based on the information provided by the seller, Midland Credit has determined that its credit file, and the information being furnished for account no [redacted] is accurate Midland Credit will be closing its investigation of [redacted] ’ dispute and will be resuming regular collection activities as allowed by the [redacted] Finance Code and/or the Fair Credit Reporting Act for account no [redacted] If [redacted] is ready to resolve account no [redacted] , please have [redacted] call Account Manager [redacted] to assist them in reaching a resolution of the account balance In the meantime, per [redacted] ’ request, account no [redacted] has been marked “Cease and Desist.” While account no [redacted] 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] Enclosure

Dear [redacted] Midland Credit provided all of the account identifying information in its previous letter response to your office dated October 13, [redacted] continues to assert that when he told the [redacted] representative that he wanted to get the account paid and removed from his credit report, the representative said they could help him with that He also states that the representative explained that the account would show as “Paid in Full”, however he could call back after some time and have it removed As explained in Midland Credit’s previous response, a review of [redacted] business records indicates that their representative did not state the account could be deleted after it had been paid [redacted] was only advised that the firm would report back to Midland Credit that the account was “Paid in Full.” Midland Credit must respectfully conclude that [redacted] was appropriately and correctly advised on what would happen to the account once paid [redacted] also expresses a concern that he was not served with a summons and is unaware of any suit filed against him [redacted] has advised that the complaint was initially filed in the [redacted] then transferred to [redacted] on May 27, The suit was filed in [redacted] on June 10, The firm advised that [redacted] was not served after the transfer due to [redacted] paying the account before service could take place Please note, the suit against [redacted] was dismissed on September 30, after receiving [redacted] ’s payment on September 17, [redacted] has advised that the court will send [redacted] a notice stating the same at [redacted] also states that he has sent Midland Credit an intent to sue letter for several inaccurate reporting offenses and for harm to his credit report Please note, a review of both [redacted] and Midland Credit’s business records do not indicate that such a letter has been receivedMidland 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] ***