Midland Credit Management

Thank you for your letter inquiry dated August 8, , regarding Ms [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions A review of Midland Credit’s business records indicates that Ms [redacted] has retained an attorneyGoing forward, all communication about the matter should be handled by her attorney If Ms [redacted] is no longer represented by an attorney, please have her provide Midland Credit with written notice so it may update its records and allow its representatives to communicate with her directly An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on March 26, Information provided by the seller, [redacted] PCS Holdings LLC, at the time of acquisition indicates this account was originated on September 8, 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 June 20, Ms [redacted] expresses concern that the account was resolved directly with [redacted] On April 2, 2012, Midland Credit mailed Ms [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to Ms [redacted] 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 received the first written correspondence disputing the balance from Ms [redacted] on July 29, The correspondence included a copy of a canceled check paid by Ms [redacted] to [redacted] dated June 5, As a result, Midland Credit made the business decision to close the account while awaiting receipt of such funds from [redacted] A letter advising Ms [redacted] that the above-referenced account had been closed was mailed on August 4, 2014, and Midland Credit has made no further collection attempts since Ms [redacted] has no further obligation on the account There will continue to be no further collection activity, credit reporting or sale of this account In addition, the three credit-reporting agencies have been notified to delete all reference to the account in question from Ms [redacted] ’s consumer credit files Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Thank you for your letter inquiry dated July 1, , regarding Ms [redacted] ’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on September 29, Information provided by the seller, Citibank (South Dakota), NA, at the time of acquisition indicates this account was originated on May 10, as a Citibank USA, N.A./The [redacted] *** credit card account number ending in ***, in the name of [redacted] M [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on February 17, The balance at the time of purchase was $ Ms [redacted] requests validation documentation on the account On October 5, 2008, Midland Credit mailed Ms [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to Ms [redacted] via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from Ms [redacted] in response to the letter In fact, no correspondence was received from Ms [redacted] prior to the complaint filed through your office, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact Ms [redacted] and collect the debt Ms [redacted] also expresses concern that the account was placed for collections in which would make the debt outside the reporting dates A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for the above-referenced account does not expire until March Please note that this does not extinguish the debt Rather, it prevents the account from being reported to the credit reporting agencies The account will remain collectible, due and owing to Midland Credit Further review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies If Ms [redacted] is ready to settle the above-referenced debt, she may qualify for a reduction in her account balance Please have Ms [redacted] call Account Manager Denise Longtin at (800) 825-ext [redacted] to assist her in reaching a resolution that will be both beneficial to her, as well as settle the account balance Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms [redacted] Thank you again for your assistance in this matter Please contact our Consumer Support Services team at (800) 825-ext*** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

May 25, 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] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received May 11, Midland Credit appreciates the opportunity to answer your questions Midland Credit provided all of the account identifying information in its previous letter response to your office dated May 2, [redacted] states that she never received any correspondence with Midland Credit’s previous response In its previous response, Midland Credit advised that it had acknowledged [redacted] dispute, ceased collection efforts, annotated the account as disputed, and was in the process of verifying the debtPlease note, the investigation of [redacted] ’s dispute is on-going and a conclusion has not yet been reachedA response will be provided upon the conclusion of Midland Credit’s investigation [redacted] also expresses concern that the above referenced account is reporting on her [redacted] credit reportIn its previous response, Midland Credit advised [redacted] that it would not furnish account information to the three major credit reporting agencies until it is able to provide [redacted] with verification of the debtMidland Credit’s business records indicate the trade line was already removedPlease note, Midland Credit submits updates to the credit reporting agencies each month, however, it may take additional time for the credit reporting agencies to update the information that is being provided to them [redacted] is encouraged to communicate directly with the credit reporting agencies should she have any further concerns 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] ***: Roman';"> Thank you for your letter inquiry dated September 24, 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 August 26, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on August 29, as a [redacted] line of credit 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 21, The balance at the time of purchase was $4, [redacted] expresses a concern that the account had been settled with the original creditor and that Midland Credit has ignored those concerns A review of Midland Credit’s business records indicates that it did receive correspondence from MrsChavez which included a letter from the original creditor stating an account was settled in September The account number on the letter did not match the original account number provided by the seller to Midland Credit and so it was not accepted as supporting her claim at that time Upon further review, Midland Credit identified an additional account number associated with this debtBased on this review, Midland Credit recognizes that the account was settled previously with the original creditor and should not have been sold to Midland Funding in There will be no further collection activity, credit reporting or sale of this account In addition, the three credit-reporting agencies have been notified to delete all reference to the account in question from [redacted] consumer credit files Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear Ms***:> Thank you for your letter inquiry dated July 17, 2014, regarding Ms [redacted] ’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer with a name similar to Ms [redacted] ’s During a search for the correct consumer, Ms [redacted] ’s phone number and address were 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 Ms [redacted] ’s phone number has been marked “Do Not Call” in Midland Credit’s computer system for the referenced account, and her address marked “Do Not Mail.” Ms [redacted] will no longer receive calls or correspondence from Midland Credit representatives regarding the referenced account Additionally, Ms [redacted] ’s telephone number [redacted] has been added to an exclusion list to prevent it from being called in the future Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms [redacted] Thank you again for your assistance in this matter Please contact our Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

February 8, 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 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 July 18, Information provided by the seller, [redacted] , at the time of acquisition indicates this account was originated on August 14, 2006, as a [redacted] ***credit card account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on November 14, The balance at the time of purchase was $3, [redacted] expresses a concern that this debt is invalid On September 6, 2013, 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 With that said, a copy of the verification information provided by the seller is enclosed for [redacted] ***’s records [redacted] is requesting that that Midland Credit remove its reference to this account from his consumer credit files A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate Per [redacted] ***’s concerns that he is being harassed by Midland Credit, the above-referenced account has been marked “Cease and Desist.” While it remains due and owing, [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

March 6, 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] and [redacted] Dear [redacted] ***: Thank you for your letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 20, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of the two above-referenced accounts belonging to [redacted] Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on April 25, Information provided by the seller, [redacted] ***(“ [redacted] ***”), at the time of acquisition indicates this account was originated on October 13, 2006, as a [redacted] account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on October 11, The balance at the time of purchase was $ Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on April 25, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on May 28, 2010, as a [redacted] MasterCard 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 24, The balance at the time of purchase was $1, [redacted] ’s expresses a concern that his validation requests have been ignored On May 14, 2014, Midland Credit mailed [redacted] ’s separate and unique validation letters for both of the above-referenced accounts These letters informed him that Midland Funding had acquired the accounts, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letters were mailed to [redacted] ’s at the same address listed within his complaint, and were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any correspondence disputing the debts or requesting validation from [redacted] ’s in response to the letters A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] ’s in regard to both accounts on December 11, 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 notices in a timely manner, Midland Credit appropriately proceeded with efforts to contact [redacted] ’s and collect the debts [redacted] also asserts that Midland Credit has modified or altered his account information by reporting the above-referenced accounts without his last name Please assure [redacted] that 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 Midland Credit reports the information on the accounts it acquires based on the business records maintained by the original lender/seller, and the payment history of each individual consumer [redacted] states that the above-referenced accounts are reporting as “Open” with [redacted] and “Closed” with [redacted] and [redacted] For purposes of credit reporting, the term “Open (Portfolio Type)” has the following definition: “Accounts where the entire amount is due upon demand or that have one payment due as scheduled (i.e., Terms Duration = 001).” That indicates that the account is currently open, due and owing in one payment Additionally [redacted] states that he does not believe a “Credit Limit” should be reflected on his credit report As referenced above Midland Credit does not modify or alter any account information The “Credit Limit” or “Past Due Amount” being reported was provided by the seller at the time of purchase and reflects the balance due at the time of purchase Regarding [redacted] ’s concern that the above-referenced accounts are reporting as “past due” on his consumer credit files, although Midland Credit submits updates to the reporting agencies each month, Midland Credit does not report accounts as “past due” to the credit reporting agencies Depending on the current condition of a given account, Midland Credit will report that account as either “Account assigned to internal or external collections,” “Account paid in full, was a collection account,” or “Account paid in full for less than the full balance.” [redacted] additionally states that Midland Funding is reporting different dates with each credit reporting agency, and that the accounts are being reported as disputed on [redacted] but not on [redacted] and [redacted] Midland Credit reports the same account information to all three credit reporting agencies at the same time Midland Credit has no control over how long each credit reporting agency takes to update the information provided on the consumer’s credit file Additionally, 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 accounts to the three major credit reporting agencies Further, [redacted] states that Midland Funding is reporting as the original creditor with [redacted] Midland Funding is not a credit grantor and does not report as such As referenced above it appears that [redacted] has received his credit report from a compilation source, therefore the information may appear to be different than what has been reported by Midland Funding to the three major credit reporting agencies [redacted] ’s 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 If [redacted] is ready to resolve the above-referenced debts, [redacted] may qualify for a reduction in his account balances Please have [redacted] call Account Manager [redacted] at [redacted] to assist him in reaching a resolution that will be both beneficial to him, as well as resolve the account balances In the meantime, per [redacted] ’s previous request, the above-referenced accounts will remain marked “Cease and Desist.” While the accounts remain 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] ’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] ***

April 29, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your follletter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 15, 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 April 14, In the previous response Midland Credit stated that it had acknowledged [redacted] ’s dispute, ceased collection efforts, annotated the account as disputed, and was in the process of verifying the debtMidland Credit has since obtained verification information from the seller A copy of the verification information is enclosed [redacted] expresses a concern that Midland Credit is irresponsibly furnishing information to 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 Please note that during this investigation period, Midland Credit had notified the credit reporting agencies to cease reflecting the collection tradeline on [redacted] ’s consumer credit files, and it has made the business decision not to request the tradeline be reinstated A review of Midland Credit’s business records indicates that [redacted] called and spoke with a Midland Credit representative on April 27, During the conversation [redacted] advised she would like to resolve the debt On April 28, 2016, [redacted] made payment to resolve the balance for the account Midland Credit has updated its file to reflect a paid status on the above-referenced account [redacted] has no further financial obligation for this account Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.I want to thank Midland Credit for such a detailed responseI would like to review all the documentation pretending to the account in questionBased on the response from Midland Credit it seems that they have a very detailed account of the eventsi would like them to send me all and every document that was used to come to this conclusionI have been seeking advise from a Credit Repair Specialist and they have advised that I have a right to obtain such informationI have called [redacted] independently and he told me to speak to Midland Credit since they have the account in questionI would like to investigate that the dates provided by Midland Credit to insure they are correct I believe under the FDCPA , Midland Credit has days to provide me all the information verifying the debt, and the date of delinquency for the account in questionIf Midland Credit can not provide me with such information I would like them to delete this item from my credit report immediatelyIn addition to that Midland Credit records all its phone callsI believe under the data protection act I have the right to request such information Thanks Regards, [redacted] ***

March 4, 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 Ms [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 19, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of three accounts belonging to [redacted] for which Midland Credit is currently furnishing account information to the three major credit reporting agencies Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on May 30, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on September 26, 2012, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April 24, The balance at the time of purchase was $1, Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on April 22, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on October 4, 2012, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on March 10, The balance at the time of purchase was $ Final payment on the account was received by Midland Credit on January 11, [redacted] has no further financial obligation for this account Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on April 30, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on September 27, 2012, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on March 18, The balance at the time of purchase was $ Final payment on the account was received by Midland Credit on January 11, [redacted] has no further financial obligation for this account [redacted] indicates that she paid two accounts believing that they would be removed from her credit reportWhile Midland Credit is pleased that it was able to assist [redacted] in reaching a resolution which resolved the balance for account nos [redacted] and [redacted] , please note that it is Midland Credit’s policy to furnish accurate account information A review of Midland Credit’s business records indicates that it is accurately furnishing information for account nos [redacted] and [redacted] as “Account paid in full, was a collection account” with an additional memo “Account paid in full for less than the full balance.” If Midland Credit were to delete the accounts, their correct and accurate status would not be reflected Midland Credit’s business records further indicate that [redacted] was advised that the accounts would report with the above status upon the resolution of the balances Regarding account no [redacted] , on June 9, 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 In fact, no correspondence was received directly from [redacted] prior to the complaint filed through your office A copy of the verification information provided by the seller is enclosed for [redacted] ’s records 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) [redacted] indicated that she was threatened that action would be taken through the state to collect thisPlease note, there are several factors used to determine the eligibility of accounts for legal effortsAs a result, the account has been determined to be eligible for legal efforts Midland Credit acted appropriately in advising that non-payment on the account may result in the account being forwarded to a law firm in [redacted] ’s area to review for possible legal efforts to collect the balance This was an accurate statement of potential next steps to be taken on the account [redacted] alleges that Midland Credit representatives have called her excessively, 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 attached to the accounts indicates [redacted] resides in [redacted] Based on that information, all calls were placed after 8:00am and prior to 9:00pm Eastern Standard Time, and Midland Credit did not attempt to call [redacted] more often than what is allowable Per [redacted] ’s previous concerns, 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] lang="X-NONE">Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 4, Midland Credit appreciates the opportunity to answer your questions [redacted] expresses a concern over a lien on his property at [redacted] *** Following up on the complaint received through your office, in a phone call on January 11, 2016, a Midland Credit representative confirmed the last four digits of [redacted] ’s social security number An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer with a name similar to [redacted] .’ [redacted] indicates that the judgment on the referenced account (judgment number [redacted] ) is not associated with [redacted] ’ address Midland Credit’s business records further indicate that a judgment was not obtained against [redacted] with the social security number ending *** Please note that judgments are reported as a matter of public record [redacted] is encouraged to communicate directly with the credit bureaus or the public records office should he have any further concerns about how a judgment is being reported Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

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 belowThe accuracy of information you have reported to my credit file and in your response to Revdex.com and CFPB is challenged .MIDLAND funding in their response are blatantly providing information they claim to have sent me letters but I Never received any communication in writing from MIDLAND FUNDINGThat is and not accurate because they have never verified this debt to me and they NEVER sent any of the letters that they claim to have sent.-My address in file has not changedI am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC and the Attorney General of [redacted] should you continue in your non-complianceIn compliance with FCRA §623(a) (8) (D), and enacting regulations published at CFR § 660.4, this Notice of Direct dispute includes the following Identification of the specific information being disputed: MIDLAND Funding as shown on my [redacted] and [redacted] Credit Report accounts [redacted] and [redacted] are showing incorrect informationBasis for the dispute: ACCOUNT [redacted] is Reporting Date of First Delinquency as 5/with [redacted] and that information should be 08/The fact that you bought the Debt in May Does not change the original Date of first Default with the original creditor ***.Your claim that its first date of default was when you bought it which is in VIOLATION under the provisions of FCRA §623(a)(8)(D)Also, the account was charged off By ORIGINAL CREDITOR in December MIDLAND FUNDING cannot report that the account’s FIRST DATE OF DEFAULT was 5/when they purchased the account and that MIDLAND funding in their letter state that seven-year Federal Reporting period for the accounts does not expire until May for account no [redacted] which is a violation because the First Date of Delinquency is not 5/that MIDLAND is using to report in violation under the provisions of FCRA §623(a)(8)(D)ACCOUNT [redacted] is Reporting Date of First Delinquency as 04/with [redacted] and That information should be 10/The fact that you bought the Debt in APRIL Does not change the original Date of first Default with the original creditor ***.Your claim that its first date of default was when you bought it which is in VIOLATION OF under the provisions of FCRA §623(a) (8) (D), of the accuracy of information you have reported to my credit fileAlso, the account was charged off by the ORIGINAL CREDITOR in OCT MIDLAND FUNDING cannot report that the account’s FIRST DATE OF DEFAULT was when they purchased the accountThat’s a violation of under the provisions of FCRA §623(a) (8) (D)MIDLAND funding in their letter state that seven-year Federal Reporting period for the accounts does not expire until April for account no [redacted] which is a violation because the First Date of Delinquency is not 4/that MIDLAND is using to report in violation under the provisions of FCRA §623(a)(8)(D)The type of account is listed as revolving accountPlease remove this incorrect informationMIDLAND is not a creditor and I have never entered an installment account or agreement with the companyThe account status is shown as “Past Due $ $1,past due as of Dec 2014.” Please delete this incorrect informationMIDLAND is not a creditor; you cannot report an account as past due or currentThe "Recent Balance" MIDLAND has most recently reported as past due as of Dec and listed this account as days past duePlease remove this incorrect informationThere is no payment history to report as MIDLAND is not a creditorTerms are listed as monthPlease remove this incorrect informationI have no terms or installment agreement with MIDLAND as MIDLAND is not a creditorThe Payment status is listed incorrectly as “past due as of Dec 2014’ please remove this incorrect informationI have no terms or installment agreement with MIDLAND as MIDLAND is not a creditorIf this account is not deleted from all credit reporting agencies within days you can expect a lawsuit to be filed against you without further notice, on the following violations: FCRA: § civil liability for willful noncompliance § civil liability for negligent noncompliance § Responsibilities of furnishers of information to consumer reporting agencies Failure to perform a reasonable reinvestigation FDCPA: § or misleading representations § Unfair practices § Validation of debts 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 have received zero communication from Midland regarding these three accounts Midland claims that dunning notices were sent to my correct address at various times in and 2013, yet they are reporting an incorrect address on my reports Midland updated the accounts with the three credit reporting agencies ( [redacted] , [redacted] , and [redacted] ) on 8/16/ These three Midland accounts are still showing to be connected to an address in [redacted] I have yet to see any proof that the original dunning notices were sent to my correct address (which is reporting on all three credit reports) Therefor, I could not reasonably send debt validation letters to Midland in a timely manner Please read: These cases have coalesced around the proposition that "while the plain language of the statute does not require the debt collector to ensure actual receipt of the validation notice, the plain language does require the debt collector to send the validation notice to a valid and proper address where the consumer may actually receive it." Johnson vMidland Credit Management Inc., No1:CV 1094, WL 2473004, *(N.DOhio Aug24, 2006); see also Mahon vCredit Bureau of Placer County, F.3d 1197, 1201-(9th Cir1999) Regards, [redacted]

Dear [redacted] 0in 0pt;" class="MsoBodyText3">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 December 19, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on January 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 August 12, The balance at the time of purchase was $ Final payment on the account was received on July 31, [redacted] *** has no further financial obligation for this account As described in the complaint, [redacted] *** questions the alleged conduct of certain Midland Credit employees, stating that she was advised the above-referenced account would be deleted if she paid Midland Credit has finished conducting its investigation regarding the alleged conduct of its employees, and has determined that no violation of company policy occurred A review of Midland Credit’s business records indicates that when asked about whether the account would be deleted in exchange for payment, the Midland Credit representative correctly advised of Midland Credit’s reporting policy, stating that the account would not be deleted Midland Credit acted in a timely manner and has complied with all applicable laws However, in keeping with its Consumer-First policy, Midland Credit has made the business decision to delete the account from [redacted] consumer credit files The three credit-reporting agencies have been be notified to delete all reference to the account in question from [redacted] consumer credit files Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] Thank you for your letter inquiry dated September 23, 2014, regarding [redacted] ’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions. An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on November 16, 2010. Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on January 11, 2007 as a [redacted] *** account number ending in *** in the name of [redacted] , under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on October 17, 2010. The balance at the time of purchase was $443.43. Final payment on the account was received on February 21, 2011. [redacted] has no further financial obligation for this account. As described in his complaint, [redacted] disputes the reference debt, stating it is a result of fraudulent activity. On November 21, 2010, 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, 15 U.S.C. § 1692 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. 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 [redacted] and collect the debt. On February 21, 2011, during a telephone conversation, [redacted] agreed to a settlement in the amount of $275.92. [redacted] completed his payments and he has no further financial obligation to the account. 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. With that said, in keeping with its Consumer-First policy, Midland Credit stands ready to assist [redacted] in clearing his record if he has been a victim of identity theft or fraud. If such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a police report showing that he reported the fraudulent activity. He may forward appropriate documentation to Consumer Support Services at the address on this letterhead. Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted] . Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions. Sincerely, Midland Credit Management, Inc. [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

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 27, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on February 8, Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on April 6, 2006, as a [redacted] account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on January 31, The balance at the time of purchase was $6, A review of Midland Credit’s business records indicates that on April 22, 2012, this account was assigned to Midland Credit’s Internal Legal Department (“Internal Legal Department”) The Internal Legal Department’s business records indicate that appropriate legal action was initiated on October 19, Service of Process was completed on October 27, 2012, and a judgment was obtained on November 13, A copy of the judgment is enclosed [redacted] expresses a concern that she is making payments in accordance with the arrangement set up with the Internal Legal Department but that the account continues to reflect missing payments and appears as a collection account on her credit report The Internal Legal Department advises that [redacted] is current in making payments according to the agreement reached with them Regarding [redacted] ’s concerns about the manner in which the account is appearing on her consumer credit files, although Midland Credit submits regular updates to the reporting agencies, Midland Credit does not report accounts as having missed payments to the credit reporting agencies Depending on the current condition of a given account, Midland Credit will report that account as either “Account assigned to internal or external collections,” “Account paid in full, was a collection account,” or “Account paid in full for less than the full balance.” Additionally, the account was sold into collections by the original creditor and as such, must be accurately reflected as a collection account As a debt buyer, Midland Funding has been advised that it should report accounts as: current status – collection account; type of account – open; type of loan – debt buyer account; additional information – collection account For purposes of credit reporting, the term “Open (Portfolio Type)” has the following definition: “Accounts where the entire amount is due upon demand or that have one payment due as scheduled (i.e., Terms Duration = 001).” That indicates that the account is currently open, due and owing in one payment [redacted] is encouraged to communicate directly with the credit bureaus should she have any further concerns Based on the law and guidelines governing credit reporting, it would appear that Midland Credit is furnishing accurate information to the credit reporting agencies In addition, if [redacted] obtained her 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 Should [redacted] have any further questions about continuing with her agreement to resolve the account balance, she may contact the Internal Legal Department at PO Box 939033, San Diego, CA Their phone number is [redacted] Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

Dear [redacted] Roman"> 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 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 21, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on January 8, 2009, as a [redacted] account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on December 10, The balance at the time of purchase was $ As described in the complaint, [redacted] questions the alleged conduct of certain Midland Credit employees, stating that he was treated rudely and that representatives refused to assist him Midland Credit fully respects consumers’ rights and privacy and has established policies and procedures designed to protect those rights Midland Credit has investigated [redacted] ***’s concerns regarding the alleged conduct of its employees, and has determined that no violation of company policy occurred, and its representatives acted appropriately pursuant to applicable law [redacted] contacted Midland Credit on April 13, 2015, and requested a non-recorded line A review of Midland Credit’s business records indicates that he was advised of the credit reporting status of the account and that Midland Credit does not report account as “days late.” [redacted] requested that he speak with a different representative who could answer his questions further, and was transferred to another representative, who also advised that Midland Credit does not report accounts as “days late.” [redacted] contacted Midland Credit again on April 17, 2015, and discussed the account with a Midland Credit representative An authorized representative for [redacted] was also on the call He was again advised that Midland Credit does not report accounts as “days late,” and that Midland Credit could not provide a letter stating that the account was being incorrectly reported as such Based on the information available to it, Midland Credit must respectfully conclude that [redacted] was treated respectfully, and appropriately advised about his account As noted above, although Midland Credit submits updates to the reporting agencies each month, Midland Credit does not report accounts as “days past due” to the credit reporting agencies Depending on the current condition of a given account, Midland Credit will report that account as either “Account assigned to internal or external collections,” “Account paid in full, was a collection account,” or “Account paid in full for less than the full balance.” Midland Credit’s business records indicate that it is appropriately reporting the above-referenced account to the three major credit reporting agencies Midland Credit received [redacted] ***’s correspondence requesting validation on February 6, Although the request was not timely, verification information provided by the seller was mailed to [redacted] in response to his dispute on or about February 11, A copy of the verification information provided by the seller is enclosed If [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] at [redacted] to assist him in reaching a resolution of the account balance Should [redacted] pay the full balance, Midland Credit will report the account as “Account paid in full, was a collection account.” Should [redacted] pay less than the full balance, Midland Credit will report an additional memo stating “Account paid in full for less than the full balance.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

April 1, Roman"> [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 March 24, 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 August 15, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on September 16, 2010, as a [redacted] account number ending in [redacted] in the name of [redacted] under the last four of the social security number [redacted] Subsequently, the account was charged-off as an unpaid delinquent-debt on July 22, The balance at the time of purchase was $1, Final payment on the account was received by Midland Credit on September 4, [redacted] has no further financial obligation for this account [redacted] states that during a telephone conversation, he made an agreement with Midland Credit to pay his accounts in exchange for removing of the negative account information from his consumer credit filesA review of Midland Credit’s business records indicates that on December 2, 2012, the above-referenced account was assigned to [redacted] (“ [redacted] ***”) [redacted] states that he has two separate accounts Please note, Midland Credit is only the servicer of one account belonging to [redacted] [redacted] advised that [redacted] s had two accounts placed in their office for collection, one belonging to Midland Credit, the other belonging to a different client As Midland Credit is the servicer of the above-referenced account belonging to [redacted] , please be advised its response will only be in reference to that account [redacted] is encouraged to communicate directly with the servicer of the other account referenced in his complaint with your office regarding his concerns about that account [redacted] advised that suit was filed for the above-referenced account on February 25, 2013, and judgment was obtained May 2, [redacted] stated that on August 15, 2014, the firm received a call from [redacted] ’s wife During this telephone conversation with [redacted] she requested to settle the account in exchange for deletion of the account from [redacted] ’s consumer credit files The [redacted] representative appropriately advised that they do not handle credit reporting for the accountThe representative advised that they do report judgments and suits to the courts who in turn report that to the credit reporting agencies The representative further advised that upon receipt and clearance of the settlement fund, they will request the court to satisfy the judgment [redacted] agreed to this and continued to settle the account Once payment cleared, [redacted] filed a satisfaction of judgment on October 13, A copy of the satisfaction of judgment is enclosed for [redacted] ’s records While Midland Credit is pleased that [redacted] was able to assist [redacted] in reaching a resolution which resolved the balance for the above-referenced account, please note that it is Midland Credit’s policy to report all accounts accurately A review of Midland Credit’s business records indicates that it is accurately furnishing information for the above-referenced account as “Account paid in full, was a collection account” with an additional memo “Account paid in full for less than the full balance.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected With that said, please note that judgments are not reported by Midland Funding Rather, judgments are reported by the credit reporting agencies as a matter of public record [redacted] is encouraged to communicate directly with the credit bureaus or the public records office should he have any further concerns about how the judgment is being reported 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

October 17, 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 7, 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 25, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on June 16, 2003, as a [redacted] account number ending in***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on December 22, The balance at the time of purchase was $2, Final payment on the account was received by Midland Credit on February 28, [redacted] has no further financial obligation for this account [redacted] states that after she paid the account, the collection tradeline was removed from her credit report and was reinstated in June Midland Credit acted in a timely manner and has complied with all applicable laws Upon resolution of the account balance, Midland Credit appropriately notified the credit reporting agencies to reflect the paid status of the debt No further updates were made to the information being furnished to the credit reporting agencies after the last update sent in June of to again reflect the account was paid Please note, Midland Credit has no control over the manner in which each credit reporting agency decides to display information that was furnished With that said, Midland Credit recently updated its credit reporting policy to remove paid tradelines after two years from the date of delinquency As such, the three credit-reporting agencies were notified to remove reference of this account from [redacted] consumer credit files on or about October 8, Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Thank you for your letter inquiry dated July 17, 2014, regarding Ms [redacted] ’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on January 27, Information provided by the seller, T-Mobile PCS Holdings LLC, at the time of acquisition indicates this account was originated on January 9, as a T-Mobile cellular account number ending in 0189, in the name of [redacted] * [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on August 11, The charge-off balance was $ Ms [redacted] expresses concern that Midland Credit sent her a letter stating it has instructed the three major credit reporting agencies to remove its tradeline from her consumer credit files, but the tradeline has not yet been removed Please note, Midland Credit has been advised by the credit reporting agencies that they may take 30-days to update their records following notification Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***