Midland Credit Management

Dear [redacted] lang="X-NONE">Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received December 18, 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 18, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on July 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 July 6, The balance at the time of purchase was $30, [redacted] expresses a concern that he has not received validation of the debt On March 27, 2015, Midland Credit mailed [redacted] a validation letter Please note that the letter was mailed to [redacted] via the United States Postal Service The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”) U.S.C§ In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (U.S.C§ 1692) 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 September 25, In response Midland Credit mailed [redacted] a letter stating the matter was being investigated On November 4, a copy of the verification information provided by the seller was sent to [redacted] A copy of that documentation is again enclosed for [redacted] records [redacted] also questions whether the account is 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 December 8, However, please note that the passing of the statute of limitations does not extinguish the validity of a debt Rather, it eliminates litigation as a potential remedy Similar to the statute of limitations, the expiration of the seven-year federal reporting period also does not extinguish a debt It only prevents the account information from being furnished 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 will expire in December Midland Credit acted in a timely manner and has complied with all applicable laws However, in keeping with its Consumer-First policy, Midland Credit previously made the business decision to close the account There will be no further collection activity, furnishing of account information to the credit bureaus, or sale of this account In addition, the three credit-reporting agencies were notified to delete Midland Credit’s reference to the collection account in question from [redacted] consumer credit files on October 9, 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 April 7, 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 Midland Credit provided all the relevant account information in its previous letter response to your office dated February 14, In her latest follow-up, [redacted] writes that Midland Credit reported on her consumer credit files prior to providing her with verification documentation Please note that a review of Midland Credit’s business records indicates that it was accurately reporting the account on her consumer credit files [redacted] request for validation was untimely as it was received after the day period defined by applicable law While it was not obligated to do so, Midland Credit subsequently provided a copy the verification information provided by the seller to [redacted] on March 7, Again, 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) Aside from the above, [redacted] questions whether Midland Credit is licensed to conduct business in the State of [redacted] Please assure [redacted] that Midland Credit is licensed and/or bonded in every state which requires such licensing and/or bonding for collection companies In [redacted] case, Midland Credit holds several licenses with the [redacted] Department of Insurance (“NCDOI”), including License # Please have [redacted] contact the NCDOI for more information regarding licensing requirements [redacted] also questions the relationship between [redacted] , [redacted] and [redacted] , asserting that Midland Credit may have altered account information Midland Credit does not modify or alter any of the original account information provided by the seller, such as the name of the consumer, or the date of occurrence The verification information was provided by the seller for the above-referenced account Lastly, [redacted] ’s complaint also indicates she submitted payment to the original creditor on March 8, Please note that Midland Credit became the servicer of the account on March 26, The account was purchased from the seller with all rights All payments after that date should have been made directly to Midland Credit If a payment is made to the original creditor, it will be forwarded to Midland Credit, however that process may take up to days Until the payment is forwarded from the original creditor, the account remains due and owing With that said, Midland Credit investigated the payment with the seller, and on April 7, 2014, was notified that a payment was received As stated, the payment will be forwarded to Midland Credit In keeping with its Consumer-First policy, Midland Credit has decided to suspend reporting [redacted] ’s account to the credit reporting agencies until it receives the payment from the original creditor Once payment is received, Midland Credit will update [redacted] ’s account to reflect “Account paid in full, was a collection 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] ***

Dear [redacted] lang="X-NONE">Thank you for your letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 11, Midland Credit appreciates the opportunity to answer your questions [redacted] states that he has been receiving calls from Midland Credit for someone who does not live at his address or use his phone number He also expresses a concern that calls continued after notifying Midland Credit’s Chief Compliance Officer that the number did not belong to the intended party 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] ’s 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 Please note that Midland Credit requires a reasonable amount of time to process concerns and for its system to then be updatedMidland Credit’s Chief Compliance Office received [redacted] ’s email on January 3, as indicated in his complaint, and processed by Midland Credit representatives on January 6, The phone number where calls were placed by Midland Credit, [redacted] , was marked “Do Not Call” in Midland Credit’s computer system for the referenced account upon processing of the email notification Midland Credit’s business records indicate no calls were made after January 6, 2015, and [redacted] will continue to no longer receive calls from Midland Credit representatives regarding the referenced account Both of the numbers provided by [redacted] in the submission to your office have been added to an exclusion list to prevent them 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] ***

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 belowMr [redacted] , Thank you for your responseUnfortunately it seems you're unwilling to research this issue, and are causing me harm by attempting to collect this debt and by posting incorrect information to my credit reportI've contacted Midland two times via certified mail, on May 26th and July 7th respectively, to attempt to rectify this mistake, Each time, on June 3rd and July 13th, Midland has replied with the same form letter stating that they would not research my disputeClearly they didn't read it As well, they've continued to send letters trying to collect this debt, despite their refusal to validate itMr [redacted] , you state in your letter "a copy of the verification information provided by the seller is enclosed"I received only your page letter on your letter head from the Revdex.com, and no such copy of verification information(TO THE Revdex.com, please confirm that you've only received a page letter from Mr [redacted] ) If you have any verification, please mail it or email it, as it will help me determine how a mistake like this could happen may aid me in getting this removed and resolved Mr [redacted] , I'm not going to, nor will I ever, pay a debt that does not belong to meI respectfully request you truly look into thisI understand you get millions of these debts sold to you, so you follow a standard process, but this is one of the few that's not correctI have continued to ask for validation of the debt times to midland and now once to you, because I know there isn't any, and forcing you to provide it would make you realize this as well Unfortunately, no one will even investigate thisI don't want to take this to court, but be assured I will if neededAnd I will sue not only for your violations of the law but damages for my time, the financial impact of incorrect information reported and its impact on loans etc., legal fees, and emotional and punitive damages Again, I ask that you contact [redacted] One who you bought this from, do whatever you need to do, and get this resolvedIf there's something I need to do to get this resolved, please let me knowThis isn't my debt, Midland shouldn't be trying to collect it, and it shouldn't be reported to the credit bureaus as suchI hope you'll re-evaluate your stance, and try to work with me to get this cleared up Thank You Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.The only correspondence I have received from the company regarding this matter is the recent correspondence which I feel resulted in the certified letter that I sent to the company and the complaint that has been filed with the Revdex.com which I began after receiving legal advice on how to handle the matter Two weeks ago the company sent me a document in a yellow envelope that lists four telephone numbers, my name, and my address The letter lists charges in regards to service usage and early termination fees No documentation showing an application, my signature, or other form of request was included in the envelope Based on the time of the account be initiated with [redacted] , a fraud alert had been placed on my credit reports [redacted] never contacted me to confirm that I was the person in fact requesting credit and using the services obtained I initiated these inquiries not Midland Credit Because of the extremity of the matter, I prefer written communication to help monitor and maintain proof Regards, [redacted]

Dear [redacted] ***: 12pt;"> Thank you for your letter inquiry dated April 18, 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 [redacted] filed a similar complaint 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, a copy of said response is enclosed As stated in Midland Credit’s earlier response; an investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on June 10, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on December 10, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on November 11, The balance at the time of purchase was $3, [redacted] expresses a concern whether her refund request has been processed A review of Midland Credit’s business records indicates that [redacted] refund request was forwarded for processing on February 24, The refund process takes approximately 4-weeks A review of Midland Credit’s business records indicates that the refund was issued on April 24, 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

October 14, 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 October 4, 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 27, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on December 20, 2004, as a [redacted] account number ending in ***, 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 11, The balance at the time of purchase was $ [redacted] states that Midland Credit is diminishing her credit by reporting a time barred debt and has previously brought this to Midland Credit’s attention On July 11, 2014, Midland Credit mailed [redacted] a validation letter Please note that the letter was mailed to [redacted] via the United States Postal Service The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”) U.S.C§ In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (U.S.C§ 1692) 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 directly from [redacted] on March 18, In response to [redacted] ***’s dispute, Midland Credit acknowledged [redacted] ***’s dispute, annotated the account as disputed, ceased collection efforts while it was in the process of verifying the debt Midland Credit also sent a letter to [redacted] advising her of the steps it was taking Subsequently, Midland Credit received a second dispute from [redacted] on April 14, Upon receipt the dispute, Midland Credit had since obtained verification information from the seller, which was then mailed to [redacted] *** A copy of that documentation is again enclosed for her recordsAdditionally, Midland Credit received additional disputes from [redacted] on June 9, 2016, and July 12, In response, Midland Credit appropriately requested that she provide additional information regarding her continued disputes [redacted] further writes that the debt is “time barred” and no longer collectible Please note that the passing of the statute of limitations does not extinguish the validity of a debtRather, it eliminates litigation as a potential remedy A review of Midland Credit’s business records indicates that the statute of limitations expired on May 7, Similar to the statute of limitations, the expiration of the seven-year Federal Reporting period also does not extinguish a debt It only prevents the account information from being furnished 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 will expire in May However, during the investigation period following the dispute received directly from [redacted] ***, Midland Credit notified the credit reporting agencies to cease reflecting the collection tradeline on [redacted] ***’s consumer credit files Midland Credit has made the business decision not to request the tradeline be reinstated Please note that this does not extinguish the debt, and the account will still remain collectible, due and owing to Midland Credit as servicer for Midland Funding [redacted] writes that the original creditor continues to report the above-referenced account on her consumer credit files [redacted] as the original creditor may be reporting the account or may have decided to delete its tradeline when it sold the account Whether or not the original creditor is reporting the account, the account remains valid, due and owing If [redacted] has concerns regarding the information being reported by the original creditor, she may dispute it directly with the credit reporting agencies 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 In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, [redacted] ***’s account has been referred to Account Manager [redacted] ***Please have [redacted] call [redacted] to assist her in reaching a resolution of the account balance In the meantime, per [redacted] ***’s previous request, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, [redacted] will continue to not 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] ***: 0in 0in 0pt;"> Thank you for your letter inquiry dated May 7, 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 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 April 18, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on July 13, 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 August 31, The balance at the time of pur [redacted] was $2, [redacted] writes the debt was previously resolved through the original creditor A review of Midland Credit’s business records indicates that shortly after Midland Funding acquired the above-referenced account, on April 21, 2011, Midland Credit mailed [redacted] a validation letter, which informed him that Midland Funding had acquired the account, and of his rights pursuant to the Fair Debt Collection Practices Act (U.S.C§ et seq.) (“FDCPA”) Please note that the letter was mailed to [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] in response to the letter 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 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 June 17, 2012, this account was outsourced to the law firm of [redacted] (“ [redacted] ”) located at [redacted] *** Their telephone number is [redacted] Judgment was ultimately awarded against [redacted] A review of business records indicates that on March 12, 2014, wage deduction interrogatories were mailed to [redacted] ’s employer, which has yet to respond Further garnishment action has yet to occur While [redacted] has not provided direct proof that the account was previously resolved, he did provide what appears to be a copy of his credit report with a “paid” status from the original creditor Midland Credit has contacted the original creditor to validate [redacted] ’s claim Once Midland Credit receives a response from the original creditor, it will provide a response to your office Midland Credit will not report the account to the credit reporting agencies until it receives notification from the original creditor Please note because Midland Credit does not report matters of public record, the Judgment appearing on the public record section of his credit report is not affected, and remains valid pending the original creditor’s response 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] ***

RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below. I respectfully disagree with [redacted] response. Notwithstanding the fact that this account does not belong to me, the fact that I may have not replied to any prior correspondence to dispute its validity does not mean that it is mine, even though by virtue of the fact that I did not reply makes it mine by default. The fact is, I am not aware of any prior correspondence. Additionally, by [redacted] own admittance this account originated on April 15, 1998!!! That was over 16 years ago and is well past its statue of limitations, this is if anything a perfect example of a "zombie debt." Furthermore, I was going to college and living in Paris, France during the time that [redacted] alleges that this account was opened. Finally... I disputed the validity of this account as soon as I found out about its existence and I also requested validation of this account on at least two separate occasions. To be more specific, I requested a copy of a signed application of credit, copy of a signed contract and or copies of signed receipts for goods and or services received. However, as of today, I have yet to receive such documentation. A letter simply stating that it is mine is not and does not prove that this account is in fact mine. Therefore, I respectfully request based on these facts that this account be permanently closed and that all future collection activity, including any form of reporting of this debt to any credit bureau be immediately terminated in order to avoid my having to escalate this matter any further. Respectfully, [redacted]

Dear [redacted] Thank you for your follletter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 12, Midland Credit appreciates the opportunity to answer your questions [redacted] states that she is still receiving calls from Midland Credit and provided a screenshot of the calls she is receiving at her number of [redacted] As previously stated, the number [redacted] has provided is not on file in Midland Credit’s computer system, nor has any record been found of any attempts to call that phone number However, Midland Credit is determined to assist [redacted] in resolving this matter for her In order to determine if Midland Credit may be calling another number which is being forwarded to [redacted] , it respectfully requests that she answer the next call received from the [redacted] phone number Assuming the calls are originating from Midland Credit, and are not the result of a third party fraudulently displaying Midland Credit’s phone number as their own, once [redacted] is in contact with a Midland Credit representative, she may request that the representative provide the phone number being dialed At that point, [redacted] should request that the representative transfer her to extension [redacted] to speak with the Consumer Support Services team The business hours of this team are 8:00am to 4:00pm, Monday through Friday Once Midland Credit’s Consumer Support Services team is provided with the phone number being dialed, it can then accordingly block that phone number so that [redacted] does not receive further calls Until that information is provided, as previously stated in its prior response, Midland Credit has taken all the appropriate actions to resolve [redacted] ’s concerns to the best of its ability based on the information provided by her If the calls are the results of another company or party displaying Midland Credit’s phone number as their own, [redacted] is encouraged to contact her phone carrier to locate the origin of the calls She may then also contact Midland Credit to provide this info once it is obtained Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit once again apologizes for the inconvenience [redacted] is experiencing 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] size="3">Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received November 9, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”) The full name of the original creditor for the above-referenced account is [redacted] then sold the account to [redacted] subsequently sold the account to Midland Funding, on or about November 25, Information provided by the seller, ***, at the time of acquisition indicates this account was originated June 15, as a [redacted] credit card account number ending in [redacted] in the name of [redacted] under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April 23, The balance at the time of purchase was $ Final payment on the account was received by Midland Credit on December 17, [redacted] has no further financial obligation for this account [redacted] states that she has contacted Midland Credit several times via telephone and has been advised each time that the responsible department was unavailable A review of Midland Credit’s business records indicate that a call was received on November 3, 2016, and [redacted] was advised that the appropriate department was unavailable and asked to call back at a later time Midland Credit’s business records also indicate that an inquiry was received from [redacted] on or about November 6, 2016, via email, wherein a copy of the Satisfaction of Judgment was requested At that time, [redacted] request was forwarded to the appropriate department for processing [redacted] also expresses a concern that she satisfied the judgment, yet it is still appearing on her credit report Additionally, [redacted] requests that the account be removed from her consumer credit file as it has been paid A review of Midland Credit’s business records indicates that on June 28, 2009, this account was placed with [redacted] advised that the Satisfaction of Judgment was filed in December of and, at that time, a copy was sent to [redacted] *** A copy of the Satisfaction of Judgment and the requested payment history are enclosed for [redacted] records Once the balance was resolved, the three major credit reporting agencies were appropriately notified to update the collection tradeline as “Account paid in full, was a collection account.” At that time, Midland Credit was furnishing accurate information to the three major credit reporting agencies regarding the paid status of [redacted] account The three major credit reporting agencies were previously notified to remove the collection tradeline In order to ensure that the tradeline has been removed, the three credit reporting agencies have again been notified to delete Midland Funding’s reference to the collection account in question from [redacted] consumer credit files A copy of this notification is enclosed for her records Please note, Midland Credit is not reporting the judgment to the credit bureaus The credit bureaus conduct periodic public records searches and report judgments based on those records If the credit bureaus are still reporting the judgment, [redacted] is encouraged to dispute the reporting with the credit bureaus so that they can check the public records and update it as satisfied [redacted] continues to have no further financial obligation for this account Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

March 11, 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 February 26, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on July 30, Information provided by the seller, [redacted] *** at the time of acquisition indicates this account was originated on February 11, 2011, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on October 22, The balance at the time of purchase was $ Final payment on the account was received on October 25, [redacted] has no further financial obligation for this account [redacted] writes that he is not sure if Midland Credit is a legitimate company, and that when he contacted the original creditor for the above-referenced account, the representative advised him that Midland Credit did not handle collections for it Please note that it is not uncommon for a credit provider to archive an account once it has been sold Therefore, when contacted by [redacted] , the representative of the original credit provider may not have had access to the pertinent account information [redacted] also references paying toward a [redacted] account in 2012, but then stopped due to his concernsA review of Midland Credit’s business records indicates that [redacted] contacted Midland Credit on June 3, 2013, to set up a payment plan to resolve the balance Final payment on the account was received on October 25, 2013, and [redacted] has no further financial obligation for this account [redacted] also states that he recently received a letter regarding a [redacted] account of which he does not have any knowledge An investigation of the matter indicates Midland Credit is the servicer of a different account belonging to another consumer with the same name as [redacted] ’s During a search for the correct consumer, [redacted] ’s address 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 [redacted] ’s address has been marked “Do Not Mail” in Midland Credit’s computer system for the [redacted] account Please assure [redacted] that he will no longer receive correspondence from Midland Credit representatives regarding the referenced account 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] ***

August 10, 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 August 1, 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 28, Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on September 22, 2014, 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 February 28, The balance at the time of purchase was $ [redacted] writes that he last made a payment to his [redacted] account in July 2015, and that the balance at that time was $ He requests information regarding why the balance is now $ A review of business records indicates that the last payment for the account was received on or about July 12, 2015, in the amount of $ The balance at that time was $ No additional payments were received Because no additional payments were received, [redacted] assessed interest and late fees to the balance of the account until the time of charge-off The account was charged off on February 28, with a balance of $ [redacted] also states that he has not heard anything about this account in over a year On April 22, 2016, Midland Credit mailed [redacted] a validation letter Please note that the letter was mailed to the same address listed within the [redacted] ***’s complaint via the United States Postal Service The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”) U.S.C§ In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (U.S.C§ 1692) 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, and no correspondence was received directly from [redacted] prior to the complaint filed through your office [redacted] also requests that his credit report be corrected Please note that Midland Credit has not furnished information for the referenced account at this time [redacted] ***as the original creditor may be reporting the account If [redacted] has concerns regarding the information being reported by the original creditor, he may dispute it directly with the credit reporting agencies A copy of the verification information provided by the seller is enclosed for [redacted] ***’s recordsIf [redacted] is ready to resolve this debt, he may qualify for a reduction in his account balance Please have [redacted] call Midland Credit Account Manager [redacted] 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 [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

March 11, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer [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 February 26, Midland Credit appreciates the opportunity to answer your questions Midland Credit provided all of the account identifying information in its previous letter response to your office dated February 24, [redacted] writes that the only correspondence she received from Midland Credit is the recent correspondence from February 2015, and the previous Revdex.com response As stated in its previous response, Midland Credit mailed [redacted] a validation letter on October 7, 2011, which was mailed to her at the same address listed within her complaint This letter and subsequent correspondence mailed to [redacted] was not returned as undeliverable [redacted] also states that while Midland Credit provided validation documentation, it did not provide an application, signature, or other form of request 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) Lastly, [redacted] indicates that the above-referenced debt might be the product of fraud Midland Credit stands ready to assist her 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 she provide 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 Otherwise, if [redacted] is ready to resolve the debt, she may qualify for a reduction in her account balance Please have her call Account Manager [redacted] at [redacted] *** to assist her in reaching a resolution that will be both beneficial to her, as well as resolve the account balance In the meantime, per [redacted] ’s previous request, the account will remain marked “Direct Mail Only.” While it remains due and owing, [redacted] will continue to not receive phone calls from Midland Credit representatives and all correspondence will be sent via the United States Postal Service Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear Ms. ***: Roman">Thank you for your letter inquiry regarding Mr. [redacted] ’ complaint, which Midland Credit Management, Inc. (“Midland Credit”) received June 11, 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 April 21, 2015. Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on February 27, 2011 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 March 5, 2015. The balance at the time of purchase was $1,042.24. Mr. [redacted] expresses a concern that Midland Credit is calling him on an account that he states has previously been closed and that his validation requests have been ignored. On May 29, 2015, Midland Credit mailed Mr. [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, 15 U.S.C. § 1692 et seq. (“FDCPA”). Please note that the letter was mailed to Mr. [redacted] at the same address listed within his complaint, and was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA. 15 U.S.C. § 1692. Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from Mr. [redacted] in response to the letter. The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 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. A copy of the verification information provided by the seller is enclosed for Mr. [redacted] ’ records. Consumers are often unclear as to what the term “charge-off” means for a debt. When a creditor "charges-off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books. Often, they then sell the debt to a collection agency. Please note that the underlying promissory obligation remains valid, due and owing. Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account. The above-referenced account remains collectible, due and owing to Midland Credit. If Mr. [redacted] still has reason to believe that this account was previously resolved, he can contact us online at [redacted] , where he can email questions to a [redacted] (***) specialist, find the answers to frequently asked questions, and upload documents to support his/her request. Uploaded documents are automatically sent to a [redacted] specialist, who will investigate the consumer’s question and mail back a response. Or Mr. [redacted] may forward appropriate documentation to [redacted] using the contact information on this letterhead. Mr. [redacted] also states that he has never given out his cell phone number. Please note that to ensure that it has the most up to date consumer information, Midland Credit relies on consumer data provided by third-party vendors. After reviewing the account, it appears that a third party vendor provided Mr. [redacted] ’s cell phone number. Relying on that information, Midland Credit updated its records and attempted to contact Mr. [redacted] using that phone number. Mr. [redacted] also states that when Midland Credit contacted him, the caller would not let him talk and states the caller kept bothering him. Midland Credit reviewed its records made to the cell phone number that was provided within the complaint. After a review of Midland Credit’s business records, it does not appear that anyone answered the calls made to that number. If Midland Credit has called Mr. [redacted] at a different number or he believes that he did in fact speak to a Midland Credit representative, please call Midland Credit’s Consumer Support Services team at [redacted] ext. [redacted] to provide additional information to assist in the investigation. Midland Credit sincerely apologizes for any inconvenience this has caused Mr. [redacted] . The above-referenced account has been marked “Direct Mail Only.” While it remains due and owing, Mr. [redacted] will no longer receive phone calls from Midland Credit representatives and all correspondence will be sent via the United States Postal Service. Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to Mr. [redacted] . Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at 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

September 2, 2014> VIA E-Mail Ms [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Thank you for your letter inquiry dated August 19, 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 February 8, Information provided by the seller, [redacted] , at the time of acquisition indicates this account was originated on January 13, as a [redacted] ***/ [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 June 16, The balance at the time of purchase was $2, While not the only item of concern in the complaint, Mr [redacted] states that Midland Credit has manipulated the date of original default by five years, and is incorrectly listing the above-referenced account’s open date on his consumer credit file While Midland Credit is sensitive to Mr [redacted] ’s 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 acquires based on the business records maintained by the original lender/sellerIn 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] ’s credit report is in fact the date of purchase by Midland Funding LLC Mr [redacted] is encouraged to communicate directly with the credit bureaus should he have any further concerns about the nomenclature that Midland Credit is compelled to use in credit bureau reporting Based on the law and guidelines governing credit reporting, it would appear that the account is being correctly reported In addition, if Mr [redacted] obtained his credit report from a compilation source, the information being reported may appear to vary The credit bureaus have advised that it appears this way because they do not directly populate the fields on credit reports pulled from any source other than directly from the credit bureau itself Additionally, Mr [redacted] expresses a concern that the account’s open date reported on his consumer credit file has delayed the end of the seven-year Federal Reporting period until He also states that the account should have stopped reporting to his consumer credit files in 2013, and that collections should have ceased at that time Please note that the expiration of the seven-year Federal Reporting period 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 will expire in November, Mr [redacted] further writes that he has previously disputed the account, and his validation requests have been ignored On March 27, 2011, Midland Credit mailed Mr [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 Mr [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 Mr [redacted] in response to the letter A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from Mr [redacted] on or about May 16, 2012, 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 Mr [redacted] and collect the debt Midland Credit has acted in a timely manner and complied with all applicable lawsWith that said, in keeping with its Consumer-First policy, upon receipt of Mr [redacted] ’s complaint through the CFPB, Midland Credit acknowledged Mr [redacted] ’s dispute, ceased collection efforts, annotated the account as disputed, and began the process of verifying the debt Midland Credit has yet to receive verification documents from the sellerOnce Midland Credit obtains verification of the debt, a copy will be forwarded to your officeAdditionally, Midland Credit will not report the account to the three major credit reporting agencies until it is able to provide verification of the debt 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 Enclosure [redacted] ***

Dear [redacted] ***: Thank you for your letter inquiry regarding [redacted] ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 21, 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, 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 ***, 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 17, 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, 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 ***, 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 5, 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, 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 ***, 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 $ 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

April 12, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] ***: Thank you for your follletter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 29, 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 1, [redacted] continues to request a copy of her signature As indicated in Midland Credit’s previous responses, the verification information provided by the seller meets the requirements of the Fair Debt Collection Practices Act (“FDCPA”) The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA [redacted] also expresses a concern that Midland Credit is now sending mail to her parent’s address However, [redacted] did not provide the address belonging to her parents Additionally, the last letter mailed to [redacted] , was sent to the address listed on the first complaint received through your office If [redacted] would like to confirm that her parent’s address is no longer associated with the above-referenced account, she may contact Midland Credit’s Consumer Support Services team at [redacted] Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] Midland Credit provided all of the account identifying information in its previous letter response to your office dated October 21, [redacted] asserts that the documentation Midland Credit has provided to her is not sufficient Please note that the verification information provided by the seller meets the requirements of the Fair Debt Collection Practices Act (“FDCPA”) The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA [redacted] additionally questions whether Midland Credit is licensed to conduct business in the State of New Hampshire Please assure [redacted] that Midland Credit is licensed and/or bonded in every state which requires such licensing and/or bonding for collection companies In [redacted] case, her home state of New Hampshire does not require collection agency licensing As indicated in prior responses, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, [redacted] will continue to not 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] ***

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. Regards, [redacted] As of today I am still receiving the email messages .. I have tried talkingv with Midland service before contacting yoy and got no where. Yes [redacted] is my home number and they are not caling that number.