Midland Credit Management

Dear [redacted] ***: Thank you for your letter inquiry dated September 11, 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 March 21, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on March 3, 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 March 17, The balance at the time of purchase was $ Final payment on the account was received on May 8, [redacted] has no further financial obligation for this account [redacted] expresses a concern that his validation requests have been ignored On March 29, 2013, 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 While Midland Credit did receive notices of possible disputes from the credit reporting agencies, a review of Midland Credit’s business records indicates that it did not receive any written correspondence disputing the account or requesting validation from [redacted] until the complaint filed through your office, which cannot be considered timely With that said, a copy of the verification information provided by the seller is enclosed for [redacted] ***’s records 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 Further review of Midland Credit’s business records indicates that on May 15, 2014, June 5, 2014, and June 18, 2014, Midland Credit receives written correspondence from [redacted] ***, requesting a goodwill adjustment and the removal of the account from his consumer credit files [redacted] states that he was told by a Midland Credit representative that upon payment to settle the account the account would be deleted from his credit reportMidland Credit has investigated [redacted] ***’s claim, and has determined that the Midland Credit representative acted appropriately and pursuant to applicable law [redacted] was advised that should he pay the full balance, Midland Credit would report the account as “Account paid in full, was a collection account,” or, should [redacted] pay less than the full balance, Midland Credit would report an additional memo stating “Account paid in full for less than the full balance.” [redacted] then agreed to settle the account and pay the full balanceIt is Midland Credit’s policy to report all accounts accurately 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] Enclosure

Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received July 6, Midland Credit appreciates the opportunity to answer your questions Please note that Midland Credit has reached out to the seller to obtain additional information regarding this matter In the meantime, in accordance with the [redacted] Finance Code, Midland Credit has acknowledged [redacted] dispute, annotated the accounts as disputed, and ceased collection efforts while it is awaiting the requested information Additionally, Midland Credit will not furnish information for the accounts to the three major credit reporting agencies until it is able to resolve its investigation of [redacted] concerns Midland Credit anticipates providing your office with a complete response within days from the date of this letter 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] Assistant Secretary [redacted] ***

February 8, 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 regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 29, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on January 4, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on October 1, 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 31, The balance at the time of purchase was $7, [redacted] expresses a concern that Midland Credit representatives have contacted him excessively Please assure [redacted] that Midland Credit has safeguards in place to ensure that its calls are being placed according to applicable law A review of Midland Credit’s business records indicates that Midland Credit did not call [redacted] more often than is allowable pursuant to applicable law Per [redacted] ***’s request to only be contacted by mail, the above-referenced account has been marked “Direct Mail Only.” While it remains due and owing [redacted] will no longer receive phone calls from Midland Credit representatives and all correspondence will be sent via the United States Postal Service 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] *** [redacted] may contact her 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] ***

This company has been calling me in regards to a debt that is not mineI happen to have the same name as the person who this debt belongs toI have to prove my identity to this company time and time again after which they say they will put my phone number on the do not call list only to have them start calling me again a few months laterThis has been going on for at least five years

Dear [redacted] : 0in 0pt;"> Thank you for your letter inquiry dated April 29, 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, MRC Receivables Corporation (hereinafter “MRC”), on November 30, Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on May 5, 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 17, The balance at the time of purchase was $4, A review of Midland Credit’s business records indicates that shortly after Midland Funding acquired the above-referenced account, on December 3, 2001, Midland Credit mailed [redacted] a validation letter, which informed her that MRC 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] 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 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, a review of Midland Credit’s business records indicates that on July 19, 2003, this account was outsourced to the law firm of [redacted] , located at [redacted] Their telephone number is [redacted] Judgment was subsequently awarded against [redacted] on December 23, 2003, a copy of which [redacted] also enclosed within her complaint The account was subsequently recalled, and on October 27, 2010, was outsourced to the law firm of [redacted] located at [redacted] *** Their telephone number is [redacted] A copy of [redacted] ’ complaint was forwarded to [redacted] ***r for review While not the only item of concern identified within her complaint, [redacted] questions the alleged conduct of a certain [redacted] employees she spoke to, stating the representative was “nasty and disrespectful,” and later changed their tone of voice and spoke to her normally “as if nothing ever happened.” Please note that the alleged conduct described by [redacted] has been investigated, and the representative [redacted] was not rude or disrespectful towards [redacted] The representative answered [redacted] ’ questions correctly, and maintained the same tone throughout the call Aside from the above, [redacted] also alleges that during the call, the [redacted] employee provided her with information regarding the account An investigation also indicates that this allegation is false During the call, [redacted] asks the representative how long can they “go after an account,” the representative correctly informed [redacted] that the time period would be years if a judgment was entered [redacted] responded that she knew what the law was, and that it was only years, which is not accurate [redacted] also alleges that the [redacted] representative advised her that the Statute of Limitations for suit on the account was years A review of the call also indicates that this is untrue During the call, the [redacted] representative advised [redacted] that a Judgment in the state of New York is valid for years The representative also advised [redacted] that in her case, the Judgment would remain valid until 2023, because the Judgment was awarded in It appears [redacted] misunderstood the information the representative provided her with A review of Midland Credit’s business records indicates that the Statute of Limitations for suit expired on or about July 21, However, please note that the passing of the Statute of Limitations does not extinguish the validity of the debt, rather, it eliminates the legal cause of action As referenced above, the Judgment was awarded in 2003, well within the Statute of Limitations The Judgment awarded against [redacted] remains valid In addition, a review of business records indicates that the seven-year Federal Reporting period for credit reporting on the above-referenced account expired July of However, this does not extinguish the debt, rather, it prevents the account from being reported to the credit reporting agencies by MRC Receivables The account still remains collectible, due and owing Further, the judgment may be reporting to [redacted] ’ credit bureau as a public record [redacted] further states that a lien was placed on her daughter’s account [redacted] have advised that a bank restraint was sent to [redacted] *** The account, which is still restrained, is not solely in [redacted] ’ daughter’s name, nor is it a trust account The account has been identified as a joint savings account in the name of both [redacted] and a third party (presumably [redacted] ’ daughter) The bank would not have restrained the account had it been a trust account or if [redacted] was not either the sole or joint owner of the account Finally, [redacted] writes that [redacted] ignored a “Cease & Desist” request, and mailed her correspondence [redacted] have advised that during a telephone conversation with [redacted] on March 31, 2014, [redacted] requested validation of the debt, and in response, [redacted] mailed [redacted] a copy of the Judgment later that day A review of their business records indicates that they received the first “Cease & Desist” request from [redacted] on April 7, A review of their business records also indicate that no communication with [redacted] has occurred since the Judgment was mailed to [redacted] on March 31, Based on the information above, both Midland Credit and [redacted] have acted timely and appropriately pursuant to applicable law Midland Credit encourages [redacted] to continue to work with [redacted] to assist in reaching a positive resolution In the meantime, the account will remain marked as “Cease & Desist.” While it remains due and owing, [redacted] will continue to not receive correspondence or calls from Midland Credit or [redacted] 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 our Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Senior Corporate Counsel, Legal Affairs and Compliance *Admitted in Minnesota, North Dakota, South Dakota and Wisconsin, Not Admitted 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 would like to say this I will only pay off which was my total credit limitBeing that I am very aware as to what charge-off meansI have submitted already two complaints in regards to this matterI feel as though I should only have to pay this amount because the original company was waiting and wanting to allow it to be charged off to not have to deal with me or this situationI will pay off with payments of because that was like I said my original credit line and limit before it was charged off and sent to a debt collectorI am not responsible for that other amount I have been trying to handle this matter since They have been ignoring meAnd that is not my fault that it was charged-offPlease understand where I am coming from on thisIt was not like I was sitting or allowing for it to get further and further into debtRegards, [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 belowno I didn't file police report in regards to this account Which I just now finding out about this I did send a dispute letter to midland credit services It stated same information that I advised Revdex.com I wanted to settled the account in the amount of I never received a respose However, I am still disputing the account I also wanted it deleted from from reportIf you not willing delete from credit report my will offer will stand You can send me a email or mail if willing to take the offer Regards, [redacted] ***

Dear [redacted] ***: Thank you for your letter inquiry dated March 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 An investigation of this matter indicates that Midland Credit is the servicer of three accounts belonging to [redacted] two of which are being reported on her consumer credit files Midland Credit became the servicer of account no [redacted] on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on September 14, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on March 26, 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 November 19, The charge-off balance was $Additional seller fees of $resulted in a balance at the time of purchase by Midland Funding of $1, Midland Credit became the servicer of account no [redacted] on behalf of purchaser, Midland Funding, on August 28, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on December 12, as a [redacted] account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on October 14, The balance at the time of purchase was $ [redacted] expresses a concern that her validation requests have been ignored A review of Midland Credit’s business records indicates that shortly after Midland Funding acquired account no [redacted] , on November 4, 2012, 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”) Midland Credit mailed a similar letter for account no [redacted] on October 11, 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 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 Ms [redacted] and collect the debts 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 account no [redacted] 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 Account no [redacted] remains valid, due, and owing If [redacted] is ready to settle this debt, she may qualify for a reduction in her account balance Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] to assist her in reaching a resolution that will be both beneficial to her, as well as settle the balance for account no [redacted] As referenced above, Midland Credit is the servicer of a third account belonging to [redacted] that is not currently being reported on her consumer credit files Midland Credit became the servicer of account no [redacted] , 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 January 27, 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 8, The balance at the time of purchase was $ 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 February 3, 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 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 28, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on September 5, 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 1, The balance at the time of purchase was $ [redacted] expresses a concern that her validation requests have been ignored A review of Midland Credit’s business records indicates that shortly after Midland Funding acquired the above-referenced account, on July 12, 2012, Midland Credit mailed her a validation letter, which informed her that Midland Funding had acquired the account, and informed her of her rights pursuant to the Fair Debt Collection Practices Act (U.S.C§ et seq.) (“FDCPA”) Please note that the letter was mailed to her via the United States Postal Service to the same address listed within her Revdex.com complaint (her address was not provided in the complaint submitted through the CFPB), 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 her in response to the letter A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from her on January 14, 2014, 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 her and collect the debt Midland Credit received [redacted] ’s credit bureau dispute on January 2, Although the request was not timely, verification information provided by the seller was mailed to her in response to her dispute at that time A copy of the verification information provided by the seller and previously mailed to her is enclosed 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) A review of Midland Credit’s business records indicate that it is accurately reporting the above-referenced account to the three major credit reporting agencies as required If [redacted] is ready to settle the above-referenced debt, she may qualify for a reduction in the account balance Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] to assist her in reaching a resolution that will be both beneficial to her, as well as 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 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] ***: Thank you for your letter inquiry dated April 14, 2014, regarding [redacted] ’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on May 25, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on February 1, 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 31, The balance at the time of purchase was $ [redacted] expresses a concern that she has not received validation of the debt A review of Midland Credit’s business records indicates that shortly after Midland Funding acquired the above-referenced account, on June 8, 2012, Midland Credit mailed [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act (U.S.C§ et seq.) (“FDCPA”) Please note that the letter was mailed to [redacted] at the same address listed within [redacted] ’s complaint via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter In fact, no correspondence was received 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 Midland Credit was not previously made aware of an unresolved dispute between [redacted] and [redacted] concerning cell phone service and disconnection fees While Midland Credit acted in a timely manner and has complied with all applicable laws, it made the business decision to discontinue active collections regarding the above-referenced account on February 15, In addition, the three credit-reporting agencies were notified to delete all reference to the account in question from [redacted] ’s consumer credit files A review of Midland Credit’s business records indicates credit reporting ceased as of February, There will continue to 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 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] complaint, which Midland Credit Management, Inc(“Midland Credit”) received October 22, Midland Credit appreciates the opportunity to answer your questions Per [redacted] submission through the Revdex.com, it appears she may have concerns about an [redacted] accountHowever, the majority of the details provided appear to be in reference to a [redacted] account belonging to [redacted] , being serviced by Midland CreditMidland Credit is not servicing an [redacted] account belonging to [redacted] If she continues to have concerns regarding an account with ***, [redacted] should bring her concerns to the company currently servicing that account Regarding the [redacted] account, 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] ***, at the time of acquisition indicates this account was originated on May 3, 2002, 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 30, The charge-off balance was $ Additional seller fees of $resulted in a balance at the time of purchase by Midland Funding of $1, [redacted] expresses a concern that she never made a payment in April in the amount of $1, A review of Midland Credit’s business records indicates that the account balance was resolved with a one-time payment of $paid by [redacted] on April 3, [redacted] has no further financial obligation for this account [redacted] expresses a desire to have the above-referenced account deleted from her consumer credit files Midland Credit is pleased that it was able to assist [redacted] in reaching a resolution which resolved the balance for the above-referenced account In keeping with its Consumer-First policy, Midland Credit made the business decision to remove its reference of the account from the three major credit reporting agencies on October 23, 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] complaint, which Midland Credit Management, Inc(“Midland Credit”) received August 17, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer During a search for the correct consumer, [redacted] phone number was provided to Midland Credit representatives by a third party In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account Please note that Midland Credit was unaware that it was contacting a wrong number for the consumer until receipt of the complaint through your office [redacted] alleges that Midland Credit representatives have called excessively and at times not allowed by law Please be assured that Midland Credit has safeguards in place to ensure that its calls are being placed according to applicable law Midland Credit’s determination of which local time should control the ability to call is based on information then available to it, including the address, and/or phone number’s area code Information in the complaint indicates [redacted] resides in [redacted] Based on that information, all calls were placed after 8:00am and prior to 9:00pm Pacific Standard Time, and Midland Credit did not attempt to call [redacted] more often than what is allowable [redacted] ***’s phone number has been marked “Do Not Call” in Midland Credit’s computer system for the referenced account [redacted] will no longer receive calls from Midland Credit representatives regarding the referenced account 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 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] ***

July 23, face="Times 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 regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received July 9, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on September 25, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on September 4, 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 18, The balance at the time of purchase was $ [redacted] expresses a concern that her validation requests have been ignored Midland Credit sent her a validation letter on October 6, In the letter, Midland Credit informed her that Midland Funding had acquired the account, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to [redacted] at the same address listed within her complaint, and was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ 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 indicate that it received the first correspondence from [redacted] on April 15, Based on the information she provided and pursuant to the Texas Finance Code, Midland Credit responded by sending her a letter on April 29, advising that Midland Credit had determined that its credit file and credit reporting of the above-referenced account was accurate A copy of the verification information provided by the seller was enclosed In response to subsequent requests for validation received on April 20, 2015, April 30, 2015, and June 19, 2015, Midland Credit confirmed that its credit file and credit reporting of the account remained accurate These letters were mailed on April 29, 2015, May 11, 2015, and July 6, All of the letters sent to [redacted] were mailed to the same address listed in her complaint An additional copy of the verification information provided by the seller is enclosed 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) Based on the information provided by the seller, Midland Credit continues to assert that its credit file and credit reporting of the above-referenced account is accurate Midland Credit will be closing its investigation of [redacted] dispute and will be resuming regular collection activities as allowed by the Texas Finance Code and/or the Fair Credit Reporting Act If [redacted] is ready to resolve this debt, she may qualify for a reduction in her account balance Please have her call Midland Credit Account Manager [redacted] at [redacted] to assist her in reaching a resolution of the account balance In the meantime, per [redacted] 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] Thank you for your foll letter inquiry regarding [redacted] ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 23, Midland Credit appreciates the opportunity to answer your questions [redacted] expresses a concern that Midland Credit has not verified the debt and ignored his requests to do so On January 7, 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”) 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 direct correspondence requesting validation from [redacted] on February 4, 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 February 4, request was not timely, verification information provided by the seller was mailed to [redacted] in response to his dispute on February 18, Another copy of the verification information provided by the seller is enclosed [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 November 2, However, please note that the passing of the statute of limitations does not extinguish the validity of the 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 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 does not expire until November [redacted] also expresses a concern regarding a revolving 24-month credit history and the December opening date reported for the account In updates to the credit reporting agencies Midland Credit only advises of the current balance due for the account Additionally, in accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date being reported on this account reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.” As indicated previously, [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, or in the manner in which information is presented In addition, if [redacted] obtained his credit report from a compilation source, the information being reported may appear to vary The credit bureaus have advised that it appears this way because they do not directly populate the fields on credit reports pulled from any source other than directly from the credit bureau itself A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies If [redacted] is ready to resolve this debt, he still may qualify for a reduction in his account balance Please have Mr [redacted] call Midland Credit Account Manager [redacted] at [redacted] to help resolve this 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

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. RevDex.com: Dear [redacted] Thank you for allowing consumers like myself an opportunity to present our case. I truly appreciate your patience. 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 Funding has engaged in a fraudulent reporting of this account and has violated Fair Credit Reporting Act. In spite of my cease and desist request to not be contacted, which has been acknowledged by the responder, I still get contacted by them which is a blatant violation of Fair Credit Reporting Act. Please see the attachment. Now if Midland can violate a federal law regarding my account, what else is to be expected? Midland Funding says that it sent me a debt verification. However what they did not mention is that the debt verification they sent did not include any agreement that I had with the alleged [redacted] ***. More so when [redacted] is contacted, they have no knowledge of any balance or account with them. Midland Funding bought a bad debt with inadequate verification and documentation that would not convince any legal body of the United States to affirm that it is valid. I have several other correspondences and additional violations of the FCRA that I would be more than happy to present to BBB that would clearly reveal who the real victim is in this scenario. Midland has a clear choice to make. My next steps are to contact California state attorney general along with litigating on the FCRA violations and debt validation in [redacted] ***. I need this incorrect information removed from my credit file for this issue to be resolved. Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.I am requesting Midland Funding provide a copy of the documentation sent to the wrong address through the Revdex.com website for further review Regards, [redacted]

July 29, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received July 20, Midland Credit appreciates the opportunity to answer your questions [redacted] expresses a concern that Midland Credit has been contacting him for the past months in an attempt to reach another person, even after he advised that he was not the correct person 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 the phone number provided by [redacted] in the complaint, [redacted] , was disabled on July 20, and no calls have been placed to this phone number since [redacted] states that he had previously advised Midland Credit they have contacted the wrong person and is told by the representative that a note will be added, yet the phone calls continue A review of Midland Credit’s records indicates that only one phone call has been made to the phone number provided in [redacted] ’s complaint Additionally, a review of Midland Credit’s records do not indicate that representatives were rude or unprofessional to [redacted] , nor was the consumer’s personal account information disclosed Often a consumer will speak to someone from one collection agency and then erroneously believe that any subsequent collection calls, even those from another collection company, are from the same company Since [redacted] ’s complaint states that he is receiving calls well in excess of those made by Midland Credit representatives, it appears that this has happened to him [redacted] ’s phone number was marked “Do Not Call” in Midland Credit’s computer system and he will continue to not receive calls from Midland Credit representatives regarding the referenced account Additionally, [redacted] ’s phone number has been added to an exclusion list to prevent it from being called in the future 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] ’s Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear Ms***: Thank you for your letter inquiry regarding Mr [redacted] ’ complaint, which Midland Credit Management, Inc(“Midland Credit”) received August 13, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on January 31, Information provided by the seller, Verizon Wireless, at the time of acquisition indicates this account was originated on August 6, as a Verizon Wireless cellular account number ending in [redacted] , in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on December 7, The balance at the time of purchase was $ Mr [redacted] expresses a concern that Midland Credit has re-aged the account by listing an open date that is later than the original While Midland Credit is sensitive to Mr [redacted] ’ concern, Midland Credit does not alter or modify any of the original account information provided by the seller, such as the name of the consumer, the date of origination, or the date of occurrence Midland Credit reports the information on the accounts it services based on the business records maintained by the original lender/seller In accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date being reported on this account reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.” The open date listed on Mr [redacted] ’ credit report is in fact the date of purchase by Midland Funding LLC Midland Credit is furnishing accurate information to the credit reporting agencies Additionally, please assure Mr [redacted] that the manner in which Midland Credit’s tradeline appears on his consumer credit files does not affect the expiration of the seven-year Federal Reporting period A review of Midland Credit’s business records indicates that the first date of delinquency for the account was July 10, As such, the Federal Reporting period for the account will expire in July Please note that this does not extinguish the debt, rather, it prevents the account from being reported to the credit reporting agencies The account will remain collectible, due and owing to Midland Credit If Mr [redacted] is ready to resolve the above-referenced debt, he may qualify for a reduction in his account balance Mr [redacted] may call a Midland Credit account manager at 800-825-to assist him in reaching a resolution of the account balance Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Mr [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California GJG: ivf

April 22, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 14, Midland Credit appreciates the opportunity to answer your questions [redacted] expresses a concern that she has been receiving calls from Midland Credit for three months An investigation of this matter indicates that Midland Credit is the servicer of accounts belonging to other consumers During a search for the correct consumers, [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 consumers regarding the referenced accounts [redacted] states she answered one of the calls, advised the representative that she had never had the account, and requested for the calls to stop A review of Midland Credit’s business records indicates that a conversation, presumably with [redacted] , took placed on March 23, At that time, [redacted] ’s phone number was appropriately disabled in Midland Credit’s computer system for the referenced account, and no calls were placed to [redacted] regarding that account after that conversation However, please note that calls continued to be placed, after March 23, 2016, to [redacted] regarding a separate account [redacted] indicates that Midland Credit representatives have contacted her excessively Please assure [redacted] that Midland Credit has safeguards in place to ensure that its calls are being placed according to applicable law A review of Midland Credit’s business records indicates that Midland Credit did not call [redacted] more often than is allowable pursuant to applicable law With that said, [redacted] ’s phone number has since 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] ***

Dear [redacted] Thank you for your follletter regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 2, Midland Credit appreciates the opportunity to answer your questions [redacted] *** continues to express concern that Midland Credit has failed to provide her with validation of the debt As stated in its previous response, [redacted] request for validation was untimelyWith that said, a copy of the documentation provided by the seller is enclosed for [redacted] records Please note that the verification information provided by the seller meets the requirements of the Fair Debt Collection Practices Act (“FDCPA”) The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA Chaudhry vGallerizzo, F.3d (4th Cir1999) [redacted] also indicates that as she was divorced in 2009, and may not be responsible for the debt Please note that a divorce decree alone does not transfer responsibility of the debt to another party However, if [redacted] *** has documentation in addition to a divorce decree which would indicate that she is no longer the responsible party for this debt, please have her forward it to the address on this letterhead Alternatively, [redacted] may contact Midland Credit’s Consumer Support Services Department at [redacted] *** should she have any further questions Based on the information provided by the seller, Midland Credit has determined that its credit file and credit reporting of the above-referenced account is accurate Midland Credit will be closing its investigation of [redacted] dispute and will be resuming regular collection activities as allowed by the [redacted] Finance Code and/or the Fair Credit Reporting Act If [redacted] is ready to resolve this debt, she may qualify for a reduction in her account balance Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] *** to assist her in reaching a resolution that will be both beneficial to her, as well as resolve the account balance Per [redacted] 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