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Midland Credit Management Reviews (318)

December 9, 0in 0in 0pt"> VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your letter inquiry dated November 25, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on September 8, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on June 28, 2007, 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 April 8, The balance at the time of purchase was $ [redacted] *** expresses a concern that her validation requests have been ignored On September 30, 2009, 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”) The letter was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of 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 A review of Midland Credit’s business records indicates that while it received notification of a possible dispute from the credit reporting agencies on November 19, 2014, no correspondence was received directly from [redacted] *** prior to the complaint filed through your office, neither of which can 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 [redacted] *** also expresses a concern that Midland Credit has re-aged the account by listing an open date that is later than the original While Midland Credit is sensitive to [redacted] concern, Midland Credit does not alter or modify any of the original account information provided by the seller, such as the name of the consumer, the date of origination, or the date of occurrence Midland Credit reports the information on the accounts it services based on the business records maintained by the original lender/seller The open date listed on [redacted] 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.” As for [redacted] concerns about the statute of limitations, a review of Midland Credit’s business records indicates that the statute of limitations for the above-referenced account expired on October 7, However, the passing of the statute of limitations does not extinguish the validity of the debt Rather, it eliminates litigation as a potential remedy The above-referenced account still remains collectible, due and owing to Midland Credit Please note the statute of limitations is different than the seven-year federal reporting period A review of Midland Credit’s business records indicates that the federal reporting period for this account does not expire until October As such, Midland Credit is accurately reporting the above-referenced account to the three major credit reporting agencies Please assure [redacted] *** that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law There do not appear to be any conversations with [redacted] *** regarding the above-referenced account and no detail about when such interaction took place was provided in the complaint In order to investigate such concerns, Midland Credit requests that [redacted] *** provide additional information She may contact Midland Credit’s Consumer Support Services team at [redacted] to provide such information If [redacted] *** is ready to settle the above-referenced 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 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 the number above should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

Dear [redacted] lang="X-NONE">Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 15, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on March 26, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account originated on September 3, 2012, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on October 15, The balance at the time of purchase was $ A review of Midland Credit’s business records indicates that on August 24, 2014, this account was assigned to Midland Credit’s Internal Legal Department (“Internal Legal Department”) [redacted] expresses concern that Midland Credit is attempting to collect a debt that may have resulted from fraudulent charges to her [redacted] account, and requests that documentation from the disputed period in to show what purchases were made Midland Credit has received and reviewed documentation from [redacted] , including a letter from [redacted] dated August 6, 2015, referencing a [redacted] credit card ending in *** This letter indicates that after [redacted] purchase of the [redacted] freezer in September 2012, $was charged to the account ending in *** There were no subsequent purchases and the account was charged off for non-payment in October 15, With that said, Midland Credit has reached out to the seller to obtain further information and documentation, and will cease collection efforts while it obtains the requested informationOnce Midland Credit has obtained such information and documents, a copy will be forwarded to your office Additionally, Midland Credit will not furnish information for the account to the three major credit reporting agencies until it is able to provide further information Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 4, Midland Credit appreciates the opportunity to answer your questions Midland Credit is unable to determine if [redacted] is the correct party for the account in question based on the information provided in [redacted] complaint Please have [redacted] provide the last four digits of his social security number so that it may respond appropriately Once this information is received, Midland Credit will investigate [redacted] complaint [redacted] may call Midland Credit’s Consumer Support Services team at [redacted] to provide this information so that Midland Credit may resolve his complaint more quickly Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] Thank you for your letter inquiry dated May 5, 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 provide Midland Credit with written notice so it may update its records and allow its representatives to communicate with her directly With that 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 March 22, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on October 18, as a [redacted] account number ending in [redacted] in the name of [redacted] under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on December 24, The balance at the time of purchase was $1, The balance due as of May 16, 2014, including interest accrued, is $2, [redacted] expresses concern that her request for validation was ignored A review of Midland Credit’s business records indicates that shortly after Midland Funding acquired the above-referenced account, on March 26, 2010, 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 A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] on September 17, 2013, 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 A review of Midland Credit’s business record indicates that it is accurately reporting the above-referenced account to the credit reporting agencies When [redacted] is ready to settle the above-referenced debt, she may qualify for a reduction in her account balance Please have [redacted] call Account Manager [redacted] when ready at [redacted] *** to assist her in reaching a resolution that will be both beneficial to him/her, as well as settle the account balance Until then, per [redacted] ’s previous request, the account will remain coded “Do Not Call, Mail Only.” While it remains due and owing, [redacted] will no longer receive phone calls from Midland Credit representatives and all correspondence will be sent via the United States Postal Service 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] ***

October 21, 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] complaint, which Midland Credit Management, Inc(“Midland Credit”) received October 7, [redacted] has filed similar complaints through the Consumer Financial Protection Bureau (“CFPB”) and Office of the Attorney General, State of California (“AG”)A copy of Midland Credit’s responses to the AG and CFPB, in additional to Midland Credits previous response to the Revdex.com are enclosed Please note, Midland Credit provided all of the account identifying information in its previous letter response to your office dated September 25, Midland Credit appreciates the opportunity to answer your questions [redacted] asserts that Midland Credit failed to respond to her written request for validation dated July 11, [redacted] also includes a copy of a written correspondence and a copy of a certified return receipt As stated in its original response, Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding, on May 25, This is nearly months after the date of the letter [redacted] claims she sent requesting validation on this account Additionally, nothing in [redacted] ***’s response to the Revdex.com shows that the letter and the return receipt were a part of the same package There is also no way for Midland Credit to determine whether or not the return receipt belongs to any letter sent by [redacted] as there is no name associated with it To that end, Midland Credit is also the servicer of an additional account belonging to another individual with the same address and last name as [redacted] (account number [redacted] ), which Midland Funding acquired, and Midland Credit began servicing on June 23, Midland Credit’s business records for that account show that Midland Credit received a certified letter from that individual on July 11, 2011, requesting validation and that they no longer be contacted regarding that account It appears the return receipt which [redacted] has attached to her Revdex.com complaint was associated with this letter [redacted] also continues to assert that she has made several attempts and follrequests for validation, and that Midland Credit has also ignored these requests A review of Midland Credit’s business records indicate that it received the first written request for validation from [redacted] on April 11, Due to the “Cease and Desist” request in [redacted] ***’s correspondence, Midland Credit was unable to respond at that time, and no additional correspondence has been received prior to [redacted] ***’s complaints Following receipt of [redacted] ***’s first complaint through the Revdex.com, Midland Credit obtained verification information from the seller A copy of the verification information is enclosed for [redacted] ***’s recordsA review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate If [redacted] is ready to resolve the above-referenced debt, her account remains assigned to Account Manager [redacted] ***Please have [redacted] call [redacted] at ( [redacted] to assist her in reaching a resolution of the account balance In the meantime, per [redacted] ***’s previous request to no longer be contacted by Midland Credit, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at ( [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

Dear [redacted] Thank you for your follletter inquiry dated June 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 Midland Credit provided all the relevant account information in its previous letter response to your office dated May 22, While not the only item of concern identified within [redacted] ’ follcomplaint, she writes that the payment information provided in Midland Credit’s original response is incorrect As stated in the previous response; a review of Midland Credit’s business records indicates that on November 25, 2013, settlement was agreed to in which a total of $was to be made in bi-weekly payments of $ After the first payment was made, on December 13, 2013, the repayment plan was cancelled in favor of a new arrangement, in which a total of $was to be repaid, with $down payment, and $bi-weekly payments To date, a total of $has been made towards the $agreement While $is the full balance remaining, [redacted] only has $left on her settlement Once the settlement balance has been paid, the remaining balance on the account will be adjusted to zero However, please note that on March 20, 2014, [redacted] called in and cancelled the repayment plan after she was unable to submit the payment for March Midland Credit has determined that the above information is correct As described in the complaint, [redacted] questions 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 Midland Credit’s representatives acted appropriately pursuant to applicable law Reviewing the conversation that last occurred between a Midland Credit representative and [redacted] , the representative was not rude and provided details of the account When the Midland Credit representative explained to the consumer that Midland Credit is unable to accept a second payment on the same day as a previous one, [redacted] terminated the call after stating that Midland Credit should call her daughter who was paying the account Midland Credit remains willing to re-engage [redacted] ’ previous plan The account has been referred to Account Manager [redacted] If [redacted] wishes to re-engage her repayment plan for the remaining $449.91, please have her call [redacted] at [redacted] ***, to discuss repayment options In the meantime, per [redacted] ’ 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 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] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted] ***

Dear [redacted] New Roman"> Thank you for your letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received July 1, Midland Credit appreciates the opportunity to answer your questions [redacted] references three accounts of which Midland Credit is attempting to collect; please note that Midland Credit is the servicer of only two accounts for [redacted] A judgment has been obtained on one of the accounts Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on February 17, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on March 31, 2011, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on January 6, Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on October 25, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on December 18, 2010, as a [redacted] cellular account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on December 28, [redacted] expresses concern that Midland Credit is attempting to collect on accounts which are not his and which may be the result of fraud Midland Credit mailed [redacted] separate and unique validation letters – on February 27, 2012, for account no [redacted] , and on November 21, 2012, for account no [redacted] These letters informed him that Midland Funding had acquired the accounts, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letters were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any correspondence disputing the debts or requesting validation from [redacted] in response to the letters A review of Midland Credit’s business records indicates that it received the first written correspondence requesting validation directly from [redacted] concerning account no [redacted] on May 8, Midland Credit has not previously received any correspondence concerning account no [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 [redacted] and collect the debts [redacted] ’s letter references a requirement that Midland Credit respond to his dispute within days Please note that neither the FDCPA nor existing law requires a debt collector to provide a response within days Midland Credit takes all allegations of improper conduct seriously, and does everything it can to avoid any possible violation of the FDCPA and other applicable laws and regulations While Midland Credit acknowledges [redacted] ’s right to dispute the debt, Midland Credit is handling his account appropriately, and will continue to do so A review of Midland Credit’s business records indicates that on July 22, 2012, account no [redacted] was assigned to the law firm of [redacted] located at [redacted] Their phone number is [redacted] Midland Credit has forwarded a copy of the complaint to the firm and inquired regarding the matter [redacted] has advised that an initial notice of the debt was mailed to [redacted] on or about July 25, When a resolution could not be reached, suit was filed on August 31, and [redacted] was served by the Court on or about September 10, On September 18, 2012, and September 25, 2012, [redacted] contacted [redacted] office and agreed to a Stipulation of Settlement for $per month to resolve the balance for $beginning September 28, The first payment was made on October 2, 2012, and the agreement was signed and submitted to the Court on October 4, However, no additional payments were submitted [redacted] entered into a new arrangement on January 22, 2013, under a Consent Order Withholding Wage Execution for $per month beginning February 22, 2013, and judgment was subsequently entered on January 24, [redacted] worked with [redacted] to make payment arrangements, and final payment for the balance was received on March 10, [redacted] submitted the closing document to the Court on March 14, 2014, and updated the account as paid in full While the account was being updated to a paid status, [redacted] contacted Midland Credit to inquire about the status of his account, and now questions the alleged conduct of certain Midland Credit employees during that call Please note that the alleged conduct described by [redacted] is being investigated Midland Credit fully respects consumers’ rights and privacy and has established policies and procedures designed to protect those rights However, if, in spite of Midland Credit’s best efforts to ensure professional and courteous communications at all times, it is determined that a violation of company policy may have occurred, the same will be addressed and dealt with in a prompt and appropriate manner A review of Midland Credit’s business records indicates that [redacted] ’s was appropriately updated, and that it is accurately reporting 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.” The credit reporting agencies report the judgment as a matter of public record and do so in accordance with applicable lawMidland Credit has no control over the credit reporting of any matters of public record Midland Credit stands ready to assist [redacted] regarding account no [redacted] if he has been a victim of identity theft or fraud If such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a copy of either a police report or affidavit of fraud showing that he reported the fraudulent activity Please note that an affidavit of fraud can be found at www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf 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 he can email questions to a Consumer Support Services (CSS) specialist, find the answers to frequently asked questions, and upload documents to support his 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 Due to [redacted] ’s concerns, the above-referenced accounts have been marked “Cease and Desist.” While account no [redacted] 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] ***

Dear [redacted] lang="X-NONE">Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received September 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 March 11, Information provided by the seller, [redacted] , at the time of acquisition indicates this account was originated on April 11, 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 30, The balance at the time of purchase was $On June 21, the account was placed with Midland Credit’s Internal Legal Department (“Internal Legal Department”) for further servicing The complaint indicates that multiple disputes have been submitted and Midland Credit has refused to acknowledge them Midland Credit received notices of possible dispute from the credit reporting agencies as well as email correspondence on several occasions and responded accordingly Validation of the debt was provided to [redacted] on September 23, 2015, and again on May 2, along with letters advising that Midland Credit had investigated the claimsAdditional letters were sent on May 4, 2016, June 3, 2016, July 11, and August 5, in response to correspondence from [redacted] ***The contact information for Consumer Support Services was also provided in the lettersA copy of the verification information provided by the seller and a copy of the judgment is enclosed for your 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] also alleges that Midland Credit has inaccurate information with regard to the original creditorThe account information provided to Midland Credit comes directly from the seller, [redacted] , and is believed to be accurateIf [redacted] has documentation to substantiate the claim of inaccuracy, or to show that the debt was the result of a banking error, she may forward it to CSS using the contact information on this letterhead, or directly to the Internal Legal Department [redacted] also communicates a desire to settle the account Midland Credit encourages [redacted] to work with its Internal Legal Department to assist in reaching a positive resolution They may be reached at PO Box 939050, San Diego, CA and 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

January 26, 0in 0pt"> VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 12, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer During a search for the correct consumer, [redacted] phone number was provided to Midland Credit representatives by a third party In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account Please note that Midland Credit had no information that it was contacting a wrong number for the consumer until a conversation on January 12, with [redacted] [redacted] expresses a concern that Midland Credit representatives acted inappropriately Midland Credit reviewed the call in question and has determined that no violation of company policy occurred, and that its representatives acted appropriately pursuant to applicable law Please note that it is Midland Credit’s policy to verify the consumer’s information on each call, to ensure it does not disclose personal information to the wrong individual, as well as to protect the privacy of those with whom Midland Credit conducts business Because [redacted] was not the correct consumer, the Midland Credit representatives with whom [redacted] spoke were unable to disclose any information to him [redacted] phone number was marked “Do Not Call” in Midland Credit’s computer system for the referenced account on January 12, Using the information provided in his complaint, his address has been marked “Do Not Mail.” [redacted] will no longer receive calls or correspondence from Midland Credit representatives regarding the referenced account 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 March 11, 2014, regarding [redacted] ’ complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions Midland Credit provided all the relevant account information in its previous letter response to your office dated February 10, In her foll [redacted] again writes that Midland Credit is reporting the account as a “key derogatory.” Please note that Midland Credit’s position has not changed Its business records indicate that it is accurately reporting the above-referenced account to the credit reporting agencies as required Again, the credit bureaus determine which accounts should be marked as a “key derogatory” and marks them as such Midland Credit has no control over such demarcation [redacted] is encouraged to communicate directly with the credit bureaus should she have any further concerns regarding the “key derogatory” notation Aside from the above, Ms [redacted] requests that Midland Credit provide a copy of the original contract Please note that while Midland Credit was not required to provide anything to [redacted] previously, it included a copy of the bill of sale with its previous response verifying Midland Funding as the rightful owner of the account The original contract, complete payment history, and a full set of billing statements are not required to validate a debt under the Fair Debt Collection Practices ActChaudhry vGallerizzo, F.3d (4th Cir1999) 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 the Fair Credit Reporting Act [redacted] ’s account has been referred to Account Manager [redacted] Please have [redacted] call [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] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] 12pt;"> Thank you for your letter inquiry dated May 2, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of the five accounts belonging to [redacted] mentioned in his complaint Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on December 14, Information provided by the seller, [redacted] , at the time of acquisition indicates this account was originated on July 8, 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 June 29, The balance at the time of purchase was $ Midland Credit became the servicer of account no [redacted] on behalf of purchaser, Midland Funding on November 24, Information provided by the seller, [redacted] , at the time of acquisition indicates this account was originated on August 31, 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 April 20, The balance at the time of purchase was $ Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding on December 29, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on December 1, as a [redacted] account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on August 31, The balance at the time of purchase was $ Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding on January 31, Information provided by the seller, [redacted] , at the time of acquisition indicates this account was originated on July 12, as a [redacted] ***/ [redacted] ***credit card account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on August 10, The balance at the time of purchase was $2, Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding on November 21, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on July 30, 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 May 18, The balance at the time of purchase was $1, [redacted] questions whether the above-referenced accounts may be reported on his consumer credit files, due to an order issued by the Federal Trade Commission (“FTC”), which he states applies to the credit reporting of the above-referenced accounts Midland Credit has reviewed the above-referenced account information and a copy of FTC order 1:08-CV-1976-BBM-RGV Please note that the FTC’s order was against the [redacted] and [redacted] *** and provided restitution payments to certain defined consumersNone of the above-referenced accounts were from an issuer affected by that order, and it therefore does not apply to [redacted] ***’s accounts Even if it did apply, the FTC’s order does not render all accounts ever issued by those entities invalid or unenforceable Part II of the FTC order provides that only affected accounts in which the restitution payments were greater than the balance due were to be removed from a consumer’s credit files Accounts in which a balance remained after an adjustment for restitution payments were allowed to be updated in the consumer’s credit files under the FTC order Regarding [redacted] ***’s concerns that the account are more than eight to ten years old, a review of Midland Credit’s business records indicates that the seven-year Federal Reporting period has not expired for any of the above-referenced accounts The seven-year Federal Reporting period will expire in December for account no [redacted] , in September for account no [redacted] in February for account no [redacted] , in January for account no [redacted] , and in November for account no [redacted] Please note that this does not extinguish the debt; rather, it prevents the account from being reported to the credit reporting agencies The accounts will still remain collectible, due and owing to Midland Credit A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced accounts to the three major credit reporting agencies If [redacted] is ready to settle the above-referenced debts, 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 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] ***

Dear [redacted] Roman">Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received November 10, Midland Credit appreciates the opportunity to answer your questions [redacted] expresses a concern that they are receiving calls at least five times a day looking for someone that does not live there An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer During a search for the correct consumer, [redacted] phone number was provided to Midland Credit representatives by the seller In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account [redacted] states they have asked for the calls to stop but calls continue, and that the representatives have become belligerent and rude A review of Midland Credit’s business records appears to indicate that it had no information that it was contacting a wrong number for the consumer until a phone conversation, presumably with [redacted] , on November 8, A further review of Midland Credit’s business records indicates that within the referenced call, the Midland Credit representatives acted appropriately As a result of the call on November 8, 2015, [redacted] phone number was marked “Do Not Call” in Midland Credit’s computer system for the referenced account [redacted] will no longer receive calls from Midland Credit representatives regarding the referenced account Additionally, [redacted] 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 letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received December 15, Midland Credit appreciates the opportunity to answer your questions Midland Credit provided all of the account identifying information in its previous letter response to your office dated November 23, [redacted] continues to express a concern that he did not receive validation in response to a dispute he sent to Midland Credit in He also states Midland Credit has not acknowledged the letter from February Midland Credit sent [redacted] an initial validation notice in February In its previous response to your office dated November 23, 2015, Midland Credit stated it received the first correspondence requesting validation from [redacted] on February 14, 2013, which cannot be considered timely In the same letter that he requested validation, [redacted] requested that all contact cease and desist The account was appropriately marked “Cease and Desist” at that time Per his request to not receive contact, Midland Credit was unable to respond to [redacted] request for validation at that time Please note, Midland Credit has acted appropriately pursuant to applicable law Per [redacted] previous request in his February letter, 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] ***

Dear [redacted] ***: class="MsoNorm**"> Thank you for your letter inquiry dated September 2, 2014, regarding [redacted] ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on June 30, 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 October 30, The balance at the time of purchase was $4, A review of Midland Credit’s business records indicates that on October 2, 2011, this account was outsourced to the law firm of [redacted] ***( [redacted] ”) located at [redacted] *** Their phone number is (619) 275- Final payment on the account was posted to the account on January 3, [redacted] has no further financial obligation for this account [redacted] expresses a concern that after the account had been settled, he was advised that the credit reporting would be deleted from his consumer credit files However, a review of Midland Credit’s business records for the account do not show a record of a conversation occurring with [redacted] from the time the account was outsourced to [redacted] until August 22, As [redacted] indicates, during the August 22, conversation he was informed of Midland Credit’s policy to report all accounts accurately If Midland Credit were to delete the account, its correct and accurate status would not be reflected A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account as “Account paid in full, was a collection account.” Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact 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 have received a letter from this company several days agoThey claim I owe over 5,to [redacted] ***This claim is over years old which I settled many years agoBy [redacted] law anything over years old can no longer be pursuedI have received phone calls from this company as well, my number of [redacted] is not listed and I have not given that number to anyone Desired Outcome: I wish to longer receive contact by mail or phone call from this company This a new complaint, I am getting phone calls from Midland Credit Management about a claim they believe is attached to me I am very upset they have contacted me at my house since it is unlisted and I have never given out my home number ever Desired Outcome: I do not want them contacting me againI believe this company acts in an unethical manner I have complained before about this company, I have complained about them calling me on a unlisted number I have never given outNow they are calling me on a Sunday before 1pm which I know is not legalI believe this company is highly unethical and is now harassing me, they call 6-times a day Desired Outcome: I wish no further contact from this company either by phone or letter or I will escalate this issue with the attorney general of my state Regards, [redacted]

May 5, 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 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 December 27, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on June 16, 2011, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on February 17, The balance at the time of purchase was $ Final payment on the account was received by Midland Credit on January 1, [redacted] has no further financial obligation for this account [redacted] expresses a concern that the account is reporting three different amounts and requests verification of the debt On January 7, 2013, 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”) The letter was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] on April 8, 2015, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt [redacted] also expresses a concern that the courts have not received notice the judgment was paid A review of Midland Credit’s business records indicates that on June 30, 2013, this account was outsourced to the law firm of [redacted] *** Their phone number is [redacted] Midland Credit has forwarded a copy of [redacted] complaint to the firm and inquired with them regarding the matter In a letter dated November 11, 2014, the firm was notified by the court that they considered the judgment satisfied Additionally, the firm has advised that on or about December 26, 2014, it confirmed to the court that the wage execution should be considered satisfied [redacted] states that she was advised the account would be removed from her credit report upon payment [redacted] state that they did not advise [redacted] about how satisfying the judgment would affect her consumer credit files Please note that it is Midland Credit’s policy to report all accounts accurately As [redacted] has advised [redacted] paid the full balance, Midland Credit is reporting the account to the three major credit reporting agencies as “Account paid in full, was a collection account If Midland Credit were to delete the account, its correct and accurate status would not be reflected Regarding the judgment itself, please advise [redacted] that it is reported to the credit reporting agencies as a matter of public record and not by Midland Credit [redacted] have advised that they are sending [redacted] a warrant of satisfaction that she may file with the court to ensure that its records are updated Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] Thank you for your letter inquiry dated June 3, 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 May 12, In their follow-up, [redacted] writes that they are still requesting validation on the above-referenced account Midland Credit’s position related to this issue has not changed As referenced within its previous response letter, a review of Midland Credit’s business records indicates that it has acted timely and accurately pursuant to applicable law Additionally, [redacted] questions whether Midland Credit is reporting accurately as a “Factoring Company” on their consumer credit files Please note that e-OSCAR, the online credit reporting system, provides the following definition of a factoring company: “Factoring Company - A company that purchases accounts with the intent of collecting debts owed.” Midland Credit has been advised by two credit reporting agencies that it should be classified as a factoring company for credit reporting purposes Midland Credit is accurately reporting the above-referenced account to the three major credit reporting agencies Per [redacted] 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 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] ***

Dear Ms***: Thank you for your letter inquiry dated June 17, 2014, regarding Ms***’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on January 31, Information provided by the seller, T-Mobile PCS Holdings LLC, at the time of acquisition indicates this account was originated on August 16, as a T-Mobile cellular account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April 27, The balance at the time of purchase was $ Final payment on the account was received on February 13, Ms [redacted] has no further financial obligation for this account Ms [redacted] expresses a concern with the nomenclature being reflected on her consumer credit files relating to the above-referenced account and states that it is inaccurate 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 Midland Credit has been advised, and the standard in the industry is that as a debt buyer, it should report accounts as: current status – collection account; type of account – open; type of loan – factoring company account; additional information – collection account Further, e-OSCAR, the online credit reporting system, provides the following definition of a factoring company: “Factoring Company - A company that purchases accounts with the intent of collecting debts owed.” Midland Credit has been advised by two credit reporting agencies that it should be classified as a factoring company for credit reporting purposes Ms [redacted] is encouraged to communicate directly with the credit bureaus should she have any further concerns about the nomenclature that Midland Credit is compelled to use in credit bureau reporting Based on the law and guidelines governing credit reporting, it would appear that the account is being correctly reported In addition, if Ms [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 bureaus 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 as “Account paid in full, was a collection account.” Ms [redacted] also expresses a desire to have the above-referenced account deleted from her consumer credit files since the debt has been repaid A letter from Ms [redacted] stating a similar request was received by Midland Credit on May 27, While Midland Credit is pleased that it was able to assist Ms [redacted] in reaching a resolution which settled the balance for the above-referenced account, it is Midland Credit’s policy to report all accounts accuratelyIf Midland Credit were to delete the account, its correct and accurate status would not be reflected On June 11, 2014, a letter advising Ms [redacted] of the same was mailed to her at the same address listed in her complaint 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 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] ***

Dear [redacted] ***: Thank you for your foll letter inquiry dated February 24, 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 February 17, In his follto Midland Credit’s previous response, [redacted] reiterates his assertion that the account does not belong to him and provides additional commentary regarding his claims After taking [redacted] ’s additional information into account, in keeping with its Consumer-First policy, and its policy to react affirmatively to consumer issues, Midland Credit has made the business decision to close the account There will be no further collection activity or sale of this account Additionally, a review of Midland Credit’s business records indicates the above-referenced account was removed from [redacted] ’s consumer credit files in September If [redacted] is still seeing this account being reported by Midland Funding, LLC, please have him call our Consumer Support Services team at [redacted] Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact our Consumer Support Services team 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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