Midland Credit Management

Dear [redacted] lang="X-NONE">Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 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 May 8, Information provided by the seller, [redacted] , at the time of acquisition indicates this account was originated on August 8, as an [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on January 31, The balance at the time of purchase was $ While not the only item of concern referenced in her complaint, [redacted] questions whether Midland Credit is licensed to conduct business in the State of [redacted] Please assure [redacted] that Midland Credit is licensed and/or bonded in every state which requires such licensing and/or bonding for collection companies In [redacted] case, Midland Credit is registered with the [redacted] Department of Financial Institutions Please have [redacted] contact their agency for more information regarding licensing requirements [redacted] writes that she has attempted to contact Midland Credit to resolve the debt multiple times over the last year, but has been unsuccessful She also writes that the only responses she has received from Midland Credit indicate that it will not communicate with her A review of Midland Credit’s business records indicates that on October 6, 2013, this account was assigned to the law offices of [redacted] Midland Credit received notice from [redacted] in February of that [redacted] no longer wished to be contacted about the account, and the account was marked as “Cease and Desist” Subsequently, in April of 2014, the account was returned to Midland Credit for servicing Due to this restriction, any letters sent in response to [redacted] inquiries would have included language advising her that Midland Credit would not contact her further unless a response was required by law Please also note that Midland Credit is unable to locate record of a telephone conversation with [redacted] in the past year [redacted] also indicates that she may have previously resolved the balance, and has sent letters with details of the situation Midland Credit does not have record of receiving correspondence from [redacted] indicating that the account was previously resolved, or more specific details of her dispute With that said, in keeping with its Consumer-First policy, Midland Credit made the business decision to close the account There will be no further collection activity, furnishing of account information to the credit bureaus, or sale of this account In addition, the three credit-reporting agencies will be notified to delete Midland Credit’s reference to the collection 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] ***

September 14, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: pre"> 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 27, Midland Credit also received correspondence from [redacted] disputing the debt on July 27, This response serves to address [redacted] most recent inquiry as well 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 26, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on December 21, 2008, as a [redacted] account number ending in [redacted] in the name of [redacted] under the last four of the social security number *** The first delinquency occurred on September 30, Subsequently, the account was charged-off as an unpaid delinquent-debt on January 29, The balance at the time of purchase was $ On October 5, 2013, 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 Midland Credit received the first written correspondence disputing the debt from [redacted] on April 15, 2016, to which Midland Credit appropriately responded on April 25, with a letter advising that her dispute was being investiga*** Midland Credit received a subsequent dispute on June 17, 2016, which Midland Credit appropriately responded to on June 24, Midland Credit has since received a copy of the verification information provided by the seller, a copy of which is enclosed for MsLaing’s records 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 [redacted] indicates that she does not speak Spanish, but that she received two letters written solely in Spanish A review of Midland Credit’s business records indicates that on October 8, 2013, a call was placed to the phone number, ending ***, listed in [redacted] complaint As a result of the phone call, the Midland Credit representative marked the account to indicate that communications moving forward should be done in Spanish Midland Credit was not made aware that [redacted] did not speak Spanish until it had a subsequent conversation with her on July 13, At that time, the Midland Credit representative appropriately updated the account Midland Credit apologizes for any inconvenience in receiving communications in Spanish [redacted] expresses a concern that the representative with whom she spoke lied about his name Please note, aliases are used for the convenience of consumers, providing a more easily pronounceable and memorable name to reference Each representative uses only one alias Further, all aliases are traceable back to the particular representative using them and are registered with State agencies when required [redacted] states that this is not her account Midland Credit stands ready to assist [redacted] in clearing her record if she has been a victim of identity theft or fraud If such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a copy of either a police report or affidavit of fraud showing that she reported the fraudulent activity Please note that an affidavit of fraud can be found at [redacted] If submitting an affidavit of fraud, [redacted] should complete the form and have the form notarized [redacted] can contact Midland Credit online at [redacted] where she can email questions to a Consumer Support Services (CSS) specialist, find the answers to frequently asked questions, and upload documents to support her request Uploaded documents are automatically sent to a CSS specialist, who will investigate the consumer’s question and mail back a response [redacted] may also forward appropriate documentation to CSS using the contact information on this letterhead With that said, if [redacted] now recognizes this debt as due and owing, and if she is ready to resolve the above-referenced debt, [redacted] may qualify for a reduction in her account balance Please have [redacted] call Account Manager [redacted] at [redacted] to assist her in reaching a resolution of the account balance Per [redacted] in the July correspondence received, the above-referenced account has been marked “Cease and Desist.” While it remains due and owing, [redacted] will 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

Re: Consumer complaint of [redacted] 0.5in; mso-add-space: auto;">BBB# [redacted] MCM# [redacted] and [redacted] Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received September 16, 2015. Midland Credit appreciates the opportunity to answer your questions. An investigation of this matter indicates that Midland Credit is the servicer of the two 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 30, 2014. Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on May 27, 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 March 11, 2014. The balance at the time of purchase was $3,961.72. Midland Credit became the servicer of account no. [redacted] on behalf of purchaser, Midland Funding, on April 30, 2014. Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on November 7, 2008, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on March 26, 2014. The balance at the time of purchase was $2,590.87. [redacted] expresses a concern that her validation requests have been ignored. Midland Credit mailed [redacted] separate and unique validation letters on May 14, 2014, for both account no. [redacted] and account no. [redacted] . These letters informed her that Midland Funding had acquired the accounts, and of her rights pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”). Please note that the letters were mailed to [redacted] at the same address listed within her complaint, and were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA. 15 U.S.C. § 1692. Midland Credit’s business records indicate that it did not receive any written correspondence disputing the debt or requesting validation from [redacted] in response to the letters. Further review of Midland Credit’s business records indicates that it received the first notice of possible dispute from the credit reporting agencies for account no. [redacted] and [redacted] on or about June 26, 2015. Upon receipt of [redacted] complaint, Midland Credit acknowledged her dispute and annotated the accounts as disputed. Midland Credit has received verification information from the seller. A copy of the verification information provided by the seller is enclosed for [redacted] records. [redacted] also expresses concern that the above-referenced accounts are reporting as an open account on her consumer credit files. 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 the accounts are being correctly reported. 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. [redacted] states that these accounts were opened fraudulently and has filed police reports regarding the fraudulent accounts. Please note that no supporting documentation has been received supporting her claim. However, Midland Credit stands ready to assist [redacted] in clearing her record if she has been a victim of identity theft or fraud. Midland Credit respectfully requests that [redacted] provide it with a copy of either a police report or affidavit of fraud showing that she reported the fraudulent activity. Please note that an affidavit of fraud can be found at [redacted] If submitting an affidavit of fraud, [redacted] should complete the form and have the form notarized. [redacted] can also contact Midland Credit online at [redacted] where she can email questions to a Consumer Support Services (“CSS”) specialist, find the answers to frequently asked questions, and upload documents to support her request. Uploaded documents are automatically sent to a CSS specialist, who will investigate the consumer’s question and mail back a response. [redacted] may also forward appropriate documentation to CSS using the contact information on this letterhead. [redacted] also states that she is in receipt of documents from [redacted] Please note that Midland Credit purchased the above referenced accounts from the seller with all rights. A review of Midland Credit’s business records indicates that this account has not been assigned out to another company to collect on its behalf. Please advise [redacted] to provide documentation supporting her concerns to CSS. [redacted] may send the appropriate documentation to the contact information on this letterhead or she may contact Midland Credit online at the website provided above. It is possible that [redacted] is being contacted by other collection agencies regarding other accounts. Per [redacted] request for Midland Credit to stop attempting to collect the debts, the above-referenced accounts have been marked “Cease and Desist.” While they remain 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

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 a detailed letter from an attorney with [redacted] and the dates and information provided by the original creditor to me do not match the information provided in this response from MidlandI have also reviewed by credit reports (pulled FROM the bureaus, not a compiling) and have Midland showing as updating on [redacted] with a Key Derogatory in Feb and [redacted] showing as Open Again, per FCRA 623, I request that Midland delete this tradeline from all three reporting agencies or I will be filing a complaint with the FTC and CFPB 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.Date Sent: 5/19/11:18:PM Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] Hello, I’m responding to Midlands responseThey stated that they sent me an attempt to collect a debt letter, and I failed to respond I never received those letters so how can they say that they met the FDCRA requirements? Can you please ask them to provide me with proof that they sent and I received the attempt to collect a debt letters? If they can’t provide the proof, then they must either send me the following documentation: (1)Full accounting for this account: (2)Copy of the assignment of purchase from the creditor (3)Every charge and what was purchased, fee, payment, credit, interest (4)How you calculated what you claim I owe (6)Full chain of assignments from charge off to present (7)Proof that you own the debt with full clear title (8)Proof that you were on the original contract If they can’t send what I’m requesting, they have to stop reporting these inaccurate items until they can provide me with the list of documentation Regards, [redacted] ***

In 2011 I had a court ordered settlement with Midland Funding and have been paying a monthly payment for 5 years to clear the court ordered settlement. Two months before my settlement was paid in full with Midland Fundings partner company (Hunt and Henriques) they closed my account and transferred it back to Midland Funding without any notification. Once they stopped debiting my account I did my due diligence to confirm my account was paid in full by calling both Hunt and Henriques and Midland Funding. Hunt and Henriques confirmed that my account was closed and sent me documentation to prove it. Midland Funding told me that I owed them an additional $2,951.34 and would not give me a reason to why? I have all the court ordered documentation to prove this is a scam from Midland Funding. I have attempted to contact them multiple times and speak to a supervisor with no success. The names of the account managers and supervisors that I have been given are [redacted] and [redacted] . Since I have not received a call back I am now in contact with the Superior Court of San Diego in regards to the settled case on 2/16/11. This appears to be a scam by Midland Funding, if you are having similar circumstances with this company please leave a review so we can get to the bottom of the issue and hopefully stop the scam.

I get a call from this company about or sometimes times a day, they don't leave a message what is is regarding I want to stop getting harrassed by them!!!

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 already supplied this company and [redacted] the proof that this is not my debt [redacted] was also sent a copy of the papers filed and recognizes that the debt was not mine I am not going to provide it again I did what I was asked to doNow I will let my attorney handle this and I will contact the media about thisI am tired of these collection companies bullying peopleI am a victim and I am not going to let this company ruin my credit after they were sent a copy of the report that I filedThis debt will me taken off my credit report 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 [My credit reports state that Midland Funding is a factoring company this is in collection but your attached validating refutes this information (U.S.C§ et seq)This does not validate I owe you this debt I'm requesting for proof that I am indeed the party you are asking to pay this debt and there is some contractual obligation which is binding me to pay this debtI'm looking for proof that the debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased itemized with the interest, payments, credits, fees, and/or permissible charges If Midland Funding has failed to provide proof, per Federal Law (The Fair Debt Collections Practices Act, Section 805) I formally request that Midland Funding CEASE and DESIST ALL efforts to collect on account [redacted] and debtI request to have this account deleted from my credit reports and the inquiry that resulted from their HARD pull deletedI also request that they be denied all further access to my credit reportI will also be filing a separate report with the FTC] Regards, [redacted]

To whom it may concern: Attached are copies of proof to support my complaint against Midland Credit Management Inc aka or also doing business as Midland Funding LLC The complaint was submitted yesterday but I have only received an automated response to the complaintI do not believe the Revdex.com office of San Diego has proccessed the claim yet If you need any more information from me please let me know Thank you, [redacted]

Revdex.com: I the have reviewed 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 It is with extreme frustration that I must continue this battle and still not get the answers I am looking forI, therefore, have spent much time looking for and locating old copies of credit reports and old bills from MCM I am also concerned and frustrated with the repeated inconsistencies and out right untruths in the previous responses from MCMFollowing, I will start by showing exerts from MCM's previous responses which I consider to be these inconsistencies and also show that they are not exactly stating the truth: - 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 However, these statements show correspondence, - 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 provide Midland Credit with written notice so it may update its records and allow its representatives to communicate with her directly and, - Regarding Ms [redacted] ’s allegation that the employee told her that Midland Credit would put the account back on her credit after it had been deleted by [redacted] , it appears that Ms [redacted] may have misunderstood the information she was provided also, - Ms [redacted] ’s original complaint she questioned the alleged conduct of certain Midland Credit employees Midland Credit has finished conducting its investigation 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 The employee in question was not rude and did not use profanity as described by Ms [redacted] and, - Additionally, although Ms [redacted] writes that she did not tell Midland Credit representatives that she had an attorney, the investigation results found that Ms [redacted] told the employee that her attorney would call Midland Credit Ms [redacted] ’s account has been updated to reflect that she states she is not being represented by an attorney As far as misunderstanding the employee about putting the charges back on my credit report, definitely not a misunderstandingThat was the proverbial straw that broke the camel's back, which is what got the Credit Bureau to suggest that I get in touch with the Revdex.com.( He laughed about it! Definitely upset me! ) The above statements not only show correspondence with MCM (before contacting the Revdex.com), but some of the statements show other untruths or plain out lies Such as, when I mentioned an employee becoming irate with me and cussing at me, I never mentioned that employee's name nor the date of that occurrenceMy question, how did they know who, "the employee in question..." (as stated above) was? I have several statements ranging from - with a variety of employees' names on them, several of which I have documented that I did make calls and the dates the calls were madeAnd again, this does show correspondence with, and untruth by, MCM I have also documented that on 9-21-I called MCM and spoke with an employee named [redacted] All I wrote was, "no information." I immediately called [redacted] and they gave me the number for their charge offs(1-800-258-9319) I spoke with [redacted] and she was somewhat helpfulShe said that she could tell me what the account balance was at the time they sold it, but could not tell me the amount that they sold it forShe explained that these accounts are normally sold at a significantly lower priceShe told me the balance of my account at the time it was sold was $She stated that it was sold on 9-20-This information also corresponds with the documents that I printed from the Credit Bureau on various datesMy documents show the following: [redacted] account opened 1- Reported delinquent 1st time - 6- Sold - 9- Balance - $ Then - Midland Funding from Credit Bureau Stated - Opened - 8-25- High balance -$ 11, Now , this is where it started On a statement I have found acknowledging payment received, dated 12-the balance was $10,Balance from over 11,to 10,in less than months) This show I began making payments right awaySo, when did the interest grow? Although I didn't agree with it, I did want to keep making payments On another Credit Bureau report that I have it shows that in the first two years I missed one payment Also, from August, - February, the balance has gone from $11,to $6, My payments have been $per month except for a few months of paying $ This is months of payments and an average of @ per monthI feel this shows I have missed VERY FEW payments since and still I ask where did the $11,come from? When could there have possibly been that much interest added? I know my balance from [redacted] at time of sale was > $7,000.00, I began paying MCM immediately and have missed very few payments Hence the dilemma! So, in conclusion, I feel I have shown inconsistencies with MCM's responses, statements that could not possibly be truthful, and that I have the documentation that I do not, nor did I ever, owe over $11, I can fax any of my documents that you may find helpfulPlease just let me know Please help me with this! And thank you for your time! Regards, [redacted]

My husband died in which he was in the militarySo his benefits ceased and which I had to stop paying on my credit card bills because his money, stoppedI was sued in winter of and served papers by the sheriff, by minland and I bladder cancer during this time, which made it worseI asked for documentation while I was in court but they didn't have any and just looked at meThey are suppose to provide documentation of the debt and Mindland failed to do soBut the court Arbitation ruled in Mindland credit anywayI am a year old widow which I am having someone else type this for me, because I don't know how to use a computerMy income was greatly reduced when my husband died and I only had enough money to pay for my house and light bill and water billThis still has me angered how I was treated by the court and mindland because I was suffering a financial hardship because of my husband dying, but the court did not care about that nither did mindland

March 6, VIA E-Mail Ms [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] , [redacted] , [redacted] , [redacted] , and [redacted] Dear Ms***: Thank you for your follletter inquiry regarding Ms***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 23, 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 Mr [redacted] previously filed three submissions through the Revdex.com of San Diego (“Revdex.com”) related to Revdex.com ID [redacted] Copies of Midland Credit’s responses are enclosedMidland Credit gave account-identifying details in its previous responses As noted in Midland Credit’s previous response dated November 26, 2012, Midland Credit closed account nos [redacted] and [redacted] , which have not been reported to the credit reporting agencies since May With respect to account no [redacted] , Midland Credit advised in that same response that it had obtained verification information from the seller and had enclosed a copy for Ms***’s records Account no [redacted] remains in a “Cease and Desist” status, and while the account remains due and owing, Ms [redacted] continues to not receive correspondence or calls from Midland Credit In Ms***’s most recent Revdex.com submission, she indicates concern regarding the way that Midland Credit is reporting accounts on her credit report, and states that the accounts were supposedly opened with Midland Credit A review of Midland Credit’s business records indicates that account nos [redacted] and [redacted] are being accurately reported to the three major credit reporting agencies With that said, consumers are often unclear as to what the term “charge-off” means for a debt When a creditor "charges-off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books Often, they then sell the debt to a collection agency Please note that the underlying promissory obligation remains valid, due and owing Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account The above-referenced account remains collectible, due and owing to Midland Credit A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for account no [redacted] will expire in July 2015, and for account no [redacted] will expire in May Please note that this does not extinguish the debts Rather, it prevents the accounts from being reported to the credit reporting agencies The accounts will remain collectible, due and owing to Midland Credit Ms [redacted] also expresses concern that Midland Credit keeps “renewing” the debts As stated in its previous response dated August 31, 2012, Midland Credit does not modify or alter any of the original account information provided by the sellers, such as the name of the consumer, the date of origination, or the date of occurrence Midland Credit reports the information on the accounts it acquires based on the business records maintained by the original lender/sellerThe open date listed on Ms***’s credit report is in fact the date of purchase by Midland FundingIn accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date reported reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.” Per Ms***’s previous request, the accounts will remain marked “Cease and Desist.” While they remain due and owing, she will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law If Ms [redacted] or her attorney is ready to resolve the above-referenced debt, she may qualify for a reduction in the account balance Please have Ms [redacted] or her attorney call Account Manager [redacted] at ###-###-#### to assist in reaching a resolution that will be both beneficial to her, as well as resolve the account balances Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms*** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at ###-###-#### should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , *** Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

February 26, 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] Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 17, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of accounts belonging to other consumers with the same name as [redacted] During a search for the correct consumers, [redacted] 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] phone number has been marked “Do Not Call” in Midland Credit’s computer system for the referenced accounts [redacted] will no longer receive calls from Midland Credit representatives regarding the referenced accounts Additionally, [redacted] phone number, [redacted] , has been added to an exclusion list to prevent it from being called in the future regarding the referenced account Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] Thank you for your follletter inquiry dated May 1, 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 Please note that the original response was provided by and any subsequent correspondence should continue to be addressed to [redacted] Midland Credit provided all the relevant account information in its previous letter response to your office dated March 27, [redacted] expresses a desire to discuss settlement of one or more of his accounts Per [redacted] ’s request the “Cease and Desist” has been removed from all three accounts In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, [redacted] ’s account has been referred to Account Manager [redacted] Please have [redacted] call [redacted] at [redacted] ***, to discuss repayment options Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact our Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Senior Corporate Counsel, Legal Affairs & Compliance [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, According to the information given to us by your firm, the date of last activity by the original creditor was 7/08 The State of Limitations on this alleged debt, even should it be ours, is 4 years in the state of California. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt.I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act (FDCPA). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute: [15 USC 1692e](2) The false representation of -- (A) the legal status of the alleged debt and (B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general's office. In addition, I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a $1,000 fine, payable to me. 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 been dealing with Midland for a while nowI agreed to pay them off finally with the promise from them they would delete the tradelineof course they never didSo after researching I decided to contact the Revdex.com 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.This letter is very contradictingI never had a credit card with a balance owing $, and the [redacted] *** account has nothing to do with the dispute I am questioningThe [redacted] *** account is being handle by the governmentI need documents showing I signed for a [redacted] Credit card and documents of purchases being made by me with this cardI have tried unsuccessfully to get documents proving I owe this money.Please send invoice for auto loan and the amount received at the auctionThere is no way I owe $for a vehicleI need proofDesist and ceased these balancesThis letter makes no senseThis conversation about these accounts are all over the placePlease forward documentsI have made phone calls, certified letters and [redacted] *** will not return my call [redacted]

Thank you for your letter inquiry dated August 8, 2014 , regarding Ms. [redacted] ’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received the same day via E-mail. Midland Credit appreciates the opportunity to answer your questions. An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on December 9, 2011. Information provided by the seller, Verizon Communications, LLC, at the time of acquisition indicates this account was originated on December 3, 2008 as a Verizon Pennsylvania Inc. residential telephone account number ending in 7191, 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 12, 2010. The balance at the time of purchase was $1,227.08. Ms. [redacted] expresses a concern that her validation requests have been ignored. Namely, Ms. [redacted] writes that she did not dispute the account, but only requested validation of the debt. Please note that requesting validation of the debt is considered a dispute of the debt. On December 24, 2011, Midland Credit mailed Ms. [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”). Please note that the letter was mailed to the same address listed within Ms. [redacted] ’s complaint via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA. Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from Ms. [redacted] in response to the letter. A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from Ms. [redacted] on February 17, 2014, which cannot be considered timely. Additional review indicates that in the first correspondence sent by Ms. [redacted] , she advised Midland Credit to consider the debt disputed, in addition to her request for validation. The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 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 Ms. [redacted] and collect the debt. A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies. If Ms. [redacted] is ready to settle the above-referenced debt, Ms. [redacted] may qualify for a reduction in her account balance. Please have Ms. [redacted] call Account Manager Denise Longtin at (800) 825-8131 ext. 23084 to assist her in reaching a resolution that will be both beneficial to her, as well as settle the account balance. Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to Ms. [redacted] . Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. 32917 should you have any further questions. Sincerely, Midland Credit Management, Inc. [redacted] , Esq. Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] ***: Thank you for your follletter inquiry dated February 20, 2014, regarding [redacted] ’ complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions Please note that Midland Credit provided all relevant account identifying information within its previous response letter to your office, dated February 10, In [redacted] ’ follow-up, she questions whether the above-referenced accounts were collectible due to their charge-off status, stating she did not open the accounts with Midland Credit Consumers are often unclear as to what the term “charge off” means for a debt When a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books Often, they then sell the debt to a collection agency Please note that the underlying promissory obligation remains valid, due and owing Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account The above-referenced accounts remained collectible, and were due and owing to Midland Credit With that said, as referenced previously, Midland Credit made the business decision to close the accounts The three credit-reporting agencies have been notified to delete all reference to the accounts in question from [redacted] ’ consumer credit files 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] ***