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Midland Credit Management Reviews (318)

Dear [redacted] Thank you for your foll letter inquiry dated June 18, 2014, regarding [redacted] ***’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions Midland Credit provided all the relevant account information in its previous letter response to your office dated May 16, Account Nos [redacted] , [redacted] and [redacted] expresses concern that the above-referenced accounts were opened fraudulently Shortly after the accounts were purchased by Midland Funding, Midland Credit mailed [redacted] *** separate and unique validation letters – on January 14, for account no [redacted] , on December 2, for account no [redacted] and on January 18, for account no [redacted] These letters informed him that Midland Funding had acquired the accounts, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letters were mailed to [redacted] via the United States Postal Service, and were not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debts or requesting validation from [redacted] in response to the letters In fact, no correspondence was received from [redacted] prior to the complaint filed through your office, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” (U.S.C§ 1692g(a)(3).) Because Midland Credit did not receive such notices in a timely manner, Midland Credit appropriately proceeded with efforts to contact Mr Valle and collect the debts A copy of the verification information provided by the seller for account no [redacted] is enclosed for [redacted] ***’s records Account no [redacted] On November 28, 2013, Midland Credit mailed [redacted] a validation letter regarding this account Please note that the letter was mailed to [redacted] *** via the United States Postal Service, and was not returned as “undeliverable” – thus satisfying the requirements set forth within the Fair Debt Collection Practices Act (hereinafter “FDCPA”) Midland Credit’s business records indicate that [redacted] ***’s dispute is timely pursuant to applicable law specific to this account Upon receipt, Midland Credit ceased collection efforts, acknowledged [redacted] dispute, and annotated the account as disputed Midland Credit has received verification information from the seller A copy is enclosed for [redacted] ***’s records With that said, if any of the previously discussed accounts are the product of identity theft, Midland Credit stands ready to assist [redacted] in clearing his record Midland Credit respectfully requests that [redacted] *** provide it with a copy of either a police report or affidavit of fraud showing that he reported the fraudulent activity Please note that an affidavit of fraud can be found at [redacted] If submitting an affidavit of fraud, [redacted] *** should complete the form and have the form notarized The appropriate documentation should be submitted directly to Midland Credit to its Consumer Support Services Department at the address on this letterhead Otherwise, if [redacted] *** is ready to settle any of the previously discussed accounts, he may qualify for a reduction in his account balances Please have [redacted] call Account Manager [redacted] at [redacted] to assist him in reaching resolutions that will be both beneficial to him, as well as settle the account balances Please note that Midland Credit made the business decision to close account no [redacted] on June 4, 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] ***’s consumer credit files Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact our Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

November 21, 0in 0pt"> VIA E-Mail Ms [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of Ms [redacted] Revdex.com# [redacted] MCM# [redacted] Dear Ms***: Thank you for your letter inquiry regarding Ms [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received on November 6, 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 April 22, Information provided by the seller, Atlantic Credit & Finance, at the time of acquisition indicates this account was originated on February 22, 2008, as an [redacted] N.AMasterCard 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 30, The balance at the time of purchase was $2, Ms [redacted] expresses a concern that her validation requests have been ignored On April 27, 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, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to Ms [redacted] at the same address listed within her complaint, and was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ 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, contrary to her complaint, no correspondence was received directly 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 While her request is untimely, a copy of the verification information provided by the seller is enclosed for Ms [redacted] ’s records A review of Midland Credit’s business records indicates that the account is accurately reporting to the credit reporting agencies If Ms [redacted] is ready to settle this debt, she may qualify for a reduction in her account balance Please have Ms [redacted] call Midland Credit Account Manager [redacted] 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 In the meantime, per her request, the above-referenced account has been marked “Cease and Desist.” While it remains due and owing, Ms [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 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 GJG: jvn Enclosure

Thank you for your letter inquiry dated June 17, Roman';">, regarding [redacted] ’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of three accounts belonging to [redacted] reporting on their consumer credit files Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on October 14, Information provided by the seller, Sherman Originator III, LLC, at the time of acquisition indicates this account was originated on May 1, 2009, as a Credit One Bank, N.AVISA account number ending in ***, in the name of [redacted] , under the last four digits of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on September 27, The balance at the time of purchase was $ Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on May 15, Information provided by the seller, Chase Bank USA, N.A., at the time of acquisition indicates this account was originated on April 6, 2007, as a Chase Bank USA, N.A/ Washington Mutual Bank VISA account number ending in 0627, in the name of [redacted] G [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April 30, The balance at the time of purchase was $1, Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on May 8, Information provided by the seller, Bureaus Investment, at the time of acquisition indicates this account was originated on October 16, 2006, as a HSBC Bank Nevada, N.A/ Best Buy / HSBC Retail Card Services, Inccredit 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 January 31, The balance at the time of purchase was $ While not the only item of concern in [redacted] ’s complaint, there is the claim that Midland continues to report inaccurate information on their consumer credit file While Midland Credit is sensitive to [redacted] ’s concern Midland Credit does not alter or modify any of the original account information provided by the seller, such as the name of the consumer, the date of origination, or the date of occurrence Midland Credit reports the information on the accounts it acquires based on the business records maintained by the original lender/seller The open date listed on [redacted] ’s credit report is in fact the date of purchase by Midland Funding LLC In accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date being reported on this account reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.” Further, if [redacted] obtained their 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 from the credit bureau directly [redacted] also writes that a negative account cannot remain on consumer credit files for more than seven years from the date of the first delinquencyA review of Midland Credit’s business records indicates that the seven-year Federal Reporting period does not expire until January [redacted] for account [redacted] ; until August [redacted] for account [redacted] ; and until May for account [redacted] Please note that this does not extinguish the debt Rather, it prevents the accounts from being reported to the credit reporting agencies The accounts will remain collectible, due and owing to Midland CreditA review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced accounts to the three major credit reporting agencies [redacted] also questions whether Midland Credit has the right to collect on the debts Midland Funding purchased the accounts with full rights, and placed the accounts for collection with Midland Credit 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 and their designated collection agencies have the right to repayment of the credit account Account [redacted] A review of Midland Credit’s business records indicates that on February 5, 2012, this account was outsourced to the law firm of Litow & Pech, PC located at E Ave NE, Cedar Rapids, IA On June 28, 2013, the account was transferred to Pech, Hughes & Mcdonald, P.Clocated at 33rd AveSWCedar Rapids, IA Their phone number is 800-617-I have forwarded a copy of [redacted] ’s complaint to the firm Account [redacted] Midland Credit’s business records indicate that on August 26, 2012, this account was outsourced to the law firm of Litow & Pech, PC located at E Ave NE, Cedar Rapids, IA On August 4, 2013, the account was transferred to TRAKAmerica located at Vanderbilt Beach Road STE 607, Naples, FL Their telephone number is 800-277- I have forwarded a copy of [redacted] ’s complaint to the firm Account [redacted] Midland Credit’s business records indicate that on November 3, 2013, this account was also outsourced to the law firm of Pech, Hughes & McDonald P.Clocated at 33rd Ave SW, Cedar Rapids, IA I have forwarded a copy of [redacted] ’s complaint to the firmFurther, per their records, the account is in the process of being returned to Midland Credit as it has been paid [redacted] has no further obligation to this account [redacted] also requests validation for the above-referenced accounts Midland Credit mailed [redacted] separate and unique validation letters – on November 16, 2011, for account no [redacted] , on May 25, 2012, for account no [redacted] , and on May 15, 2013, for account no [redacted] These letters informed the [redacted] that Midland Funding had acquired the accounts, and of the consumer’s rights pursuant to the Fair Debt Collection Practices Act (U.S.C§ et seq (“FDCPA”) Please note that the letters were mailed to the consumer via the United States Postal Service, and were not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debts or requesting validation from [redacted] in response to the letters In fact, no written correspondence was received from [redacted] prior to the complaint filed through your office The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” (U.S.C§ 1692g(a)(3).) Because Midland Credit did not receive such notices in a timely manner, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debts With that said, verification information provided by each of the sellers is enclosed for [redacted] ’s records 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 (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

Dear Ms***: 0in 0in 0pt;"> Thank you for your letter inquiry dated May 13, 2014, regarding Mr [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 Mr [redacted] asserts that his telephone number is part of the national “Do Not Call Registry” and expresses concern regarding telephone contact by Midland Credit Please note that Midland Credit is not a “telephone solicitor” and does not engage in “telephone solicitation.” Rather, Midland Credit is a collection agency, licensed and bonded in those states with requirements that it be so licensed and/or bonded Midland Credit collects outstanding debts incurred by consumers pursuant to a variety of types of consumer contracts – credit card, automobile, personal loans, etc To the extent that Mr [redacted] would have been contacted by or on behalf of Midland Credit, it would be in an effort to collect a debt arising out of an established business relationship – exactly the type of call excluded from the “Do Not Call Registry” list That being said, an investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer with a name similar to Mr [redacted] ’s During a search for the correct consumer, Mr [redacted] ’s phone number was provided to Midland Credit representatives by a third party In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account A review of Midland Credit’s business records indicates it had no information that it was contacting a wrong number for the consumer until receipt of the complaint through your office Mr [redacted] ’s phone number has been marked “Do Not Call” in Midland Credit’s computer system for the referenced account Mr [redacted] will no longer receive calls from Midland Credit representatives regarding the referenced account Additionally, Mr [redacted] ’s telephone number ( [redacted] ) has been added to an exclusion list to prevent it from being called in the future Midland Credit respectfully declines Mr [redacted] ’s request for monetary compensation.Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Mr [redacted] Thank you again for your assistance in this matter Please contact 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 GJG: ***

Dear [redacted] size="3">Thank you for your letter inquiry regarding [redacted] 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 an account belonging to another consumer with a name similar to [redacted] During a search for the correct consumer, [redacted] address was provided to Midland Credit representatives by a third party In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account [redacted] address has been marked “Do Not Mail” in Midland Credit’s computer system for the referenced account Please assure [redacted] that she will no longer receive correspondence from Midland Credit representatives 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] lang="X-NONE">Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 26, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on November 27, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on April 5, 2013, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on November 13, The balance at the time of purchase was $ Final payment on the account was received by Midland Credit on January 30, [redacted] has no further financial obligation for this account On September 19, 2014, Midland Credit mailed [redacted] a validation letter Please note that the letter was mailed to the same address listed within the consumer’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) [redacted] states he mailed a letter to Midland Credit on February 24, 2016, requesting validation for the above-referenced account However, Midland Credit’s business records indicate that it did not receive any direct 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 review of Midland Credit’s business records indicates that it began receiving notices of possible dispute from the credit reporting agencies on or about April 5, On April 25, 2016, Midland Credit mailed [redacted] a letter advising him he continued to have no further obligation for the account as it had been paid, and enclosed the verification information provided by the seller in response A copy of the verification information provided by the seller is again enclosed for his records [redacted] expresses a desire to have the above-referenced account deleted from his consumer credit files since the debt has been repaid While Midland Credit is pleased that it 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 furnish accurate account information 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 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

May 14, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your follletter inquiry regarding [redacted] ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received May 1, Midland Credit appreciates the opportunity to answer your questions [redacted] requests that Midland Credit provide all documentation pertaining to the account that Midland Credit used in coming to its conclusion in its previous response, including call recordings Midland Credit provided all of the account identifying information in its previous letter response to your office dated April 17, Please note that Midland Credit does not provide copies of account notes or call recordings absent a government request or court order [redacted] also requests verification information, including the date of delinquency Based on the information provided by the seller, the first delinquency of this account occurred on August 28, Midland Funding, LLC (“Midland Funding”) subsequently purchased the account and placed it with Midland Credit for servicing on or about August 9, On August 20, 2011, Midland Credit mailed [redacted] a validation letter, which informed him that Midland Funding had acquired the account, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letter was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ A review of Midland Credit’s business records indicates that it received the first and only written correspondence requesting validation from [redacted] on April 6, 2015, which cannot be considered timelyThe FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt With that said, Midland Credit must respectfully conclude that it is accurately reporting the account to the three major credit reporting agencies The account will remain marked “Direct Mail Only.” While it remains due and owing, [redacted] will continue to not receive phone calls from Midland Credit representatives and all correspondence will be sent via the United States Postal Service Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

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 was hoping it did not have to come to thisAccounts referenced in this Revdex.com complaint were opened fraudulently by my brother [redacted] He knew my SSN and Drivers LicenseHe was incarcerated in 2006-and deported from the U.Sin June for this and amongst other thingsI reported these frauds to [redacted] in when he confessed fraud to meFraud alerts were entered and still exists to this day Being that he is not in the country any longer it has been difficult for me to press charges and law enforcement to prosecute I do not use credit at all, but this year I decided to apply for a credit card after all these years and was turned down after learning that these accounts were still being reported The CRA's affirmed to me that these accounts would be removed once I mailed them some documents which I did I have been working directly with some of the original creditors in regards to these frauds and have been faxing documents they ask in support of the fraud Please note I am not at liberty to produce these legal documents via this medium but if Midland deems them necessary, they can request them from the CRA's as I have supplied them with the law enforcement, legal and court documents they requested in my Disputes [redacted] *** [redacted] ACCEPTABLE RESOLUTION/REQUEST: In the interest of justice and as a courtesy I ask that Midland deletes or stops reporting the referenced accounts effective immediately pending the investigation of this case whether they are valid debts or notFailure to stop reporting may lead me to seek relief via other legal venues Best 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.On August 12, I filed a complaint against this businessThe complaint ID assigned to it is [redacted] On September 8thMidland Credit Management informed me through your bureau that they would instruct the credit bureaus to delete any instances of their reporting on my credit filesSince then, I have also requested this account to be removed from all three credit bureaus, however today I received my third credit report from Experian which is updated just a few days ago still reflecting this account as on my previous report for the month of October and November I want MIdland Credit Management to follow through its promise and instruct the credit bureaus to delete their account at onceI believe I have been very patient, having waited over days now Regards, [redacted] ***

I have had an account with this company for two monthsWhen they initially called me tjey wanted $I asked if I could give them some of the money and make arrangements for the remainder of the billThe gentleman on the phone was hard to understand so when he told me the rest od the money would be coming out of my account on the 20th I thought he was saying the 28thMy checking account was $in the negitave and there was nothing my account manager [redacted] would do for meI had to call him every day and insists in a refundWhen I spoke with [redacted] he told me that everything happens for a reson and I had to fight with him for four days before he agreed to a refund, which I have ro wait to days for, I also fought with him well into the next day inorder to speak to his managerI had been asking for days to speak to his managerThe account manager was very rude and could use some training in customer serviceHow can they get away with this? This is how you treat poeple? I really hope this company gets their act together

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] Dear [redacted] Thank you for your letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 16, Midland Credit appreciates the opportunity to answer your questions [redacted] states that he has been receiving calls from Midland Credit An investigation of this matter indicates that Midland Credit is the servicer of accounts belonging to other consumers, one of which has the same last name as [redacted] ’s During a search for the correct consumers, [redacted] ’s phone number was provided to Midland Credit representatives by a third party In reliance on that information, Midland Credit attempted to contact these consumers regarding the referenced accounts [redacted] also states that a complaint was filed with the Office of the Attorney General, State of [redacted] regarding this concern, though it appears that this was done in reference to another company Midland Credit was unable to locate this complaint or the response indicated by [redacted] With that said, [redacted] ’s 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 these accounts Additionally, [redacted] ’s phone number [redacted] has been added to an exclusion list to prevent it from being called in the future regarding the referenced accounts Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] ***: 0in 0in 0pt;"> Thank you for your letter inquiry dated September 22, 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 A review of Midland Credit’s business records indicates that [redacted] has retained an attorney Going forward, all communication about the matter should be handled by her attorney If [redacted] is no longer represented by an attorney, please have her provide Midland Credit with written notice so it may update its records and allow its representatives to communicate with her directly An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on August 8, Information provided by the seller, [redacted] *** at the time of acquisition indicates this account was originated on November 14, 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 $2, While not the only item of concern identified within her complaint, [redacted] requests validation for the above referenced debt Pursuant to Midland Credit’s standard business practices, on August 15, 2013, Midland Credit mailed the initial validation letter to [redacted] at the same address listed in her complaint, advising her of the role of Midland Credit as the servicer of the account and providing her with the required disclosure of rights set forth in the Fair Debt Collection Practices Act, U.S.C§ (“FDCPA”) A review of Midland Credit’s business records indicates that it received the first request for validation from [redacted] on September 2, At that time, Midland Credit acknowledged [redacted] ***’s dispute and sent her verification information provided by the seller on September 11, Another copy is enclosed for [redacted] ***’s records Aside from the above, [redacted] writes that the information on the account has been manipulated While the information on the account shows that the last payment was made on August 2, 2012, she states that the last payment was made in 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 In addition, [redacted] questions whether litigation is possible due to the expiration of the statute of limitations A review of Midland Credit’s business records indicates that the statute of limitations does not expire until September 19, However, the passing of the statute of limitations does not extinguish the validity of the debt Rather, it eliminates litigation as a potential remedy to collect that debt The above-referenced account will still remain collectible, due and owing to Midland Credit With that said, a review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies If [redacted] is ready to settle the debt, she 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 that will be both beneficial to her, as well as settle the account balance In the meantime, per [redacted] ***’s previous request, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

face="Times New Roman" size="3">May 25, 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] Dear Ms***: Thank you for your letter inquiry regarding Mr [redacted] ’ complaint, which Midland Credit Management, Inc(“Midland Credit”) received May 11, 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 October 24, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on October 25, 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 January 27, The balance at the time of purchase was $1, Final payment on the account was received by Midland Credit on June 11, Mr [redacted] has no further financial obligation for this account Mr [redacted] expresses a concern that his requests for validation have been ignored On October 31, 2011, Midland Credit mailed Mr [redacted] a validation letter Please note that the letter was mailed to Mr [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 Mr [redacted] in response to the letter In fact, no correspondence was received directly from Mr [redacted] prior to the complaint filed through your office A review of Midland Credit’s business records indicates that on January 15, 2012, this account was placed with [redacted] [redacted] indicates that an initial letter was sent to you on or about January 19, The firm states they did not receive a response to the notice, and as such suit was filed on March 1, 2012, service was completed on March 7, 2012, and a judgment was entered on April 30, A copy of the judgment is enclosed for Mr [redacted] ’ records [redacted] and [redacted] also indicate that they did not receive any communication from Mr [redacted] disputing the debt or requesting validation Mr [redacted] expresses a concern that the account is reporting incorrectly with a balance, and that the judgment is appearing as open rather than paid A review of Midland Credit’s business records indicates that it is accurately furnishing information for the above-referenced account to the credit bureaus as “Account paid in full, was a collection account.” Additionally, please note that judgments are not reported by Midland Funding LLC Rather judgments are reported by the credit reporting agencies as a matter of public record Mr [redacted] is encouraged to communicate directly with the credit bureaus regarding information appearing on his credit report He may also contact 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 Mr [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

Dear [redacted] ***: 0in 0in 0pt;"> Thank you for your letter inquiry dated February 10, 2014, regarding [redacted] ’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on December 14, Information provided by the seller, [redacted] , at the time of acquisition indicates this account was originated on July 21, as a [redacted] / [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on August 28, The balance at the time of purchase was $11, Shortly after Midland Funding acquired the above-referenced account, Midland Credit sent a validation letter to [redacted] on January 14, Please note that the letter was not returned as “undeliverable” by the United States Postal Service – thus the notification requirements of the Fair Debt Collection Practices Act (hereinafter “FDCPA”) were satisfied In said letter, Midland Credit informed [redacted] that Midland Funding had acquired the account, and provided the required disclosure of rights set forth in the FDCPA (U.S.C§ 1692) Midland Credit’s business records indicate it did not receive any correspondence 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 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” (U.S.C§ 1692g(a)(3).) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt Although a review of Midland Credit’s business records indicates that it did receive notices from the credit reporting agencies of a possible dispute beginning on December 12, 2013, it has not received any correspondence from [redacted] pursuant to the [redacted] Finance Code Based on the information provided by the seller, Midland Credit has determined that its credit file and credit reporting of the above-referenced account is accurate Midland Credit will be closing its investigation of [redacted] ’s dispute and will be resuming regular collection activities as allowed by the [redacted] Finance Code and/or the Fair Credit Reporting Act [redacted] writes that Midland Credit will not honor his cease all contact request Please note that [redacted] ’s complaint is the first notice Midland Credit received that he wished to cease all contact Per [redacted] ’s request, 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 it is for a specific purpose related to its legal efforts Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact our Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] ***: 0in 0in 0pt;"> Thank you for your letter inquiry dated June 30, 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 A review of Midland Credit’s business records indicates that [redacted] has retained an attorneyGoing forward, all communication about the matter should be handled by her attorney If [redacted] is no longer represented by an attorney, please have her provide Midland Credit with written notice so it may update its records and allow its representatives to communicate with her directly That being said, an investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on May 29, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on February 4, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on January 29, The balance at the time of purchase was $ [redacted] expresses a concern that her validation requests have been ignored On June 16, 2012, Midland Credit mailed [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to [redacted] via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter In fact, no correspondence was received from [redacted] prior to the complaint filed through your office, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt While her request is untimely, a copy of the verification information provided by the seller is enclosed for [redacted] ’s records A review of Midland Credit’s business records indicates that it is accurately reporting the account to the credit reporting agencies Aside from the above, as described in the complaint, [redacted] questions the alleged conduct of certain Midland Credit employees, stating the representative would not provide her with information until a letter of non-attorney representation was received [redacted] also states that she felt threatened by the tone the representative used Please note that the alleged conduct described by [redacted] has been investigated, and it has been determined that the Midland Credit representative acted appropriately A review of call records indicates that the Midland Credit representative maintained an even and professional tone, in line with Midland Credit’s policies and procedures Additionally, because [redacted] began the conversation by indicating that she retained legal representation to move forward with a suit against Midland Credit, pursuant to applicable law, the representative marked the account appropriately Going forward, all communication about the matter should be handled by her attorney If [redacted] is no longer represented by an attorney, please have her provide Midland Credit with written notice so it may update its records and allow its representatives to communicate with her directly In the meantime, pursuant to [redacted] ’s allegations of harassment, 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 our Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

Dear [redacted] lang="X-NONE">Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 25, 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 15, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on March 7, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on November 13, The balance at the time of purchase was $ A review of Midland Credit’s business records indicates that on November 8, 2015, this account was placed with [redacted] ***(“ [redacted] ***”) [redacted] expresses a concern regarding the verification information that was previously mailed to him being sufficient to show that the debt belongs to him Please note, the documentation was provided by the seller, matches the name and address supplied by [redacted] within his inquiry through your office, and meets the requirements of the Fair Debt Collection Practices Act (“FDCPA”) The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA Although verification information provided by the seller was already mailed to [redacted] in response to his prior disputes, a copy of that documentation is again enclosed for his records [redacted] also alleges that he never requested Midland Credit to submit a “disputed” remark to the credit reporting agencies and claims that he never disputed the account himselfA review of Midland Credit’s business records indicate that it has received multiple notifications of possible disputes from the credit reporting agencies that were submitted by [redacted] In addition, MrConroy submitted a complaint through the CFPB (“Consumer Financial Protection Bureau”) on January 20, where he specifically indicated that he disputed the information that Midland Credit was reportingIn response to those disputes submitted by [redacted] , Midland Credit is required to update the credit reporting agencies with this information 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 Should [redacted] wish to have the dispute notation removed from his consumer credit files, he may submit a written request, stating that he does not dispute that the debt belongs to him to Consumer Support Services using the address on this letterhead However, please note that requesting validation of the debt or full removal of the account from his consumer credit files is also treated as a dispute The debt remains placed with [redacted] at this timeMidland Credit encourages [redacted] to work with the firm to assist in reaching a positive resolution He may reach [redacted] at [redacted] *** Their phone number is [redacted] Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

This business has a collection account under my information that resulted from identity theftI tried disputing the account with the credit bureaus and without reaching out to me to obtain proof that the debt is not mine, they refused to remove it from my credit fileWhen they began sending me mail to my current address, which they could have only gotten from the credit bureaus because the person that stole my identity doesn't even know what state I moved to, they were very rude and would not listenI provided them with the person's name and current phone number that opened the account and they said that they would nitrate the informationInstead they added the phone number that I called from to the fraudulent account and began making collection calls to my cell phoneI am pretty sure that they do not have the legal right to do thisI am completely fed up with this company and am considering suing both them and the person that opened the accountThey were so very unhelpful and does not care to resolve the matter of this account not being mine

May 6, 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 April 22, Midland Credit appreciates the opportunity to answer your questions Please note that Midland Credit provided all of the account identifying information in its previous letter response to your office dated April 20, [redacted] states that she has reviewed Midland Credit’s response to her initial complaint [redacted] advised that Midland Credit’s actions would not resolve her complaintHowever, in review of [redacted] ’s recently received complaint, she did not provide any details regarding why she was not satisfied with Midland Credit’s resolutionWithout [redacted] providing further details regarding the reason of her continued dispute, Midland Credit stands by its previous response Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact 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***: size="3">Thank you for your letter inquiry regarding Ms***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received May 6, 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 25, Information provided by the seller, [redacted] , at the time of acquisition indicates this account originated on January 7, 2013, as a [redacted] Visa 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 29, The balance at the time of purchase was $1, Ms [redacted] expresses concern over the payment arrangements on her account, namely that after coming to an arrangement to resolve the balance and calling in to make a payment, the Midland Credit representative was unable to accept her form of payment as a one-time debit payment While Ms [redacted] was offered an alternative method of payment, Midland Credit apologizes for the inconvenience caused to Ms*** Please note that Midland Credit representatives have strict guidelines they must adhere to when offering and accepting payment offers Due to those guidelines, Midland Credit was unable to accept Ms***’s form of payment In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, Ms***’s account has been referred to Account Manager [redacted] *** Ms [redacted] may call her at (800) 825-ext [redacted] to assist in reaching a resolution of the account balance Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms*** 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 Gregory Gerkin, Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] ***: Thank you for your letter inquiry dated April 14, 2014, regarding [redacted] ’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of accounts belonging to another consumer with the same name as [redacted] ’s During a search for the correct consumer, [redacted] ’s phone number was provided to Midland Credit representatives by the seller In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced accounts [redacted] ’s phone number has been marked “Do Not Call” in Midland Credit’s computer system for the accounts and a review of Midland Credit’s business records indicates no calls have been made to [redacted] ’s phone number since April 2, Regarding his concern that calls were made after 9:00pm, Midland Credit has safeguards in place to prevent its calls from being placed before 8:00am local time and after 9:00pm local time Further review of its business records indicates Midland Credit did not make any calls to [redacted] ’s phone number after 9:00pm, and that all call attempts were made in accordance with applicable law [redacted] will continue to no longer receive calls from Midland Credit representatives regarding the referenced accounts Additionally, [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 [redacted] Thank you again for your assistance in this matter Please contact our Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

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