Midland Credit Management

Thank you for your letter inquiry dated September 8, , regarding Mr***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on December 31, Information provided by the seller, [redacted] , Inc., at the time of acquisition indicates this account was originated on October 27, as a WebBank/Fingerhut credit card account number ending in ***, in the name of [redacted] ***, under the last four of the social security number ***Subsequently, the account was charged-off as an unpaid delinquent-debt on November 28, The balance at the time of purchase was $ Mr [redacted] expresses a concern that this account is a result of identity theft On January 16, 2014, Midland Credit mailed Mr [redacted] a validation letter, which informed him that Midland Funding had acquired the account, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to Mr [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 Mr [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 Mr [redacted] and collect the debt Mr [redacted] also writes that Midland Credit has not assisted him with his dispute, and has not requested a police report from him However, Midland Credit’s business records indicate that on July 28, 2014, Midland Credit received a phone call from Mr [redacted] advising that he was a victim of identity theft The account manager provided Mr [redacted] with Midland Credit’s mailing address, and requested that he send in a copy of his police report Mr [redacted] advised that it would not be available for days, but he would mail it in as soon as possible Prior to receiving the complaint, on August 28, 2014, Midland Credit received a police report from Mr*** After reviewing his police report, based on the information contained within the report, and in accordance with Midland Credit’s policy to react affirmatively to consumer issues, the account was closed There will be no further collection activity or sale of this account In addition all three credit-reporting agencies have been notified to delete all reference to Midland Credit’s trade line from consumer credit files Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Mr*** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext*** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

July 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] & [redacted] Dear [redacted] ***: Thank you for your letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received June 30, 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 June 27, [redacted] continues to express concern that she was told the account would be removed from her credit report, and that she was advised of the same for an additional account As stated in its previous response, a review of Midland Credit’s business records does not indicate that Midland Credit advised [redacted] the account would be removed from her credit report once the account balance had been resolved [redacted] spoke with multiple Midland Credit representatives, who advised that information would be furnished for the account as “Account paid in full, was a collection account” with an additional memo “Account paid in full for less than the full balance.” It is Midland Credit’s policy to furnish accurate account information If Midland Credit were to delete the account, its correct and accurate status would not be reflected Additionally, [redacted] was advised of an additional account with the original creditor, [redacted] ***, but was not advised it would be removed from her credit report upon paymentInformation for the account is provided below for reference Midland Credit became the servicer of account no [redacted] on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on December 18, 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 [redacted] in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on November 13, The balance at the time of purchase was $ If [redacted] wishes to resolve or discuss account no [redacted] , she may contact Account Manager [redacted] at [redacted] to assist her in reaching a resolution of the account balance Please assure [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Assistant Secretary [redacted] ***

January 25, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 11, Midland Credit appreciates the opportunity to answer your questions Midland Credit provided all of the account identifying information in its previous letter response to your office A review of the previous response sent indicates the letter had a date of January 4, Please note there was a typographical error as this response was actually sent on January 4, [redacted] expresses a concern that a debt collector must send a validation notice to a valid address where the consumer may live, and that Midland Credit intentionally sent the letter to an address where he would not receive itA review of Midland Credit’s business records indicate that the address to which the validation letter was sent to was provided by the seller Based on that, Midland Credit attempted to contact [redacted] using that addressUpon receipt of the original complaint through your office, Midland Credit has confirmed its records reflect the address provided by [redacted] in the complaint [redacted] continues to express a concern that he has not received proof of the validity of the debtMidland Credit provided account verifying information in its previous response As mentioned in that response, the original contract, complete payment history, and a full set of billing statements are not required under the FDCPA [redacted] also states that the documentation previously provided did not show the current business relationship The validation documentation is once again enclosed, along with a copy of the bill of sale verifying Midland Funding as the rightful owner of the account A copy of a seller data sheet confirming the account was included in the purchase from Asset Acceptance, LLC is also enclosed 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 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] ***: 0in 0in 0pt;"> Thank you for your letter inquiry dated February 3, 2014, regarding [redacted] ***’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of the above-referenced account belonging to another consumer During a search for the correct consumer, [redacted] ***’s 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 above-referenced account Please note, Midland Credit had no information that it was sending letters to the wrong address for the consumer until receipt of the complaint through your office [redacted] ***’s address has been marked “Do Not Mail” in Midland Credit’s computer system for the above-referenced account Please assure [redacted] that he will no longer receive correspondence from Midland Credit representatives regarding the above-referenced account Please extend the apologies of Midland Credit to [redacted] for any frustration he might have experienced as a result of this error Please assure [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** 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] 11.5pt;"> Thank you for your letter inquiry dated September 24, 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 March 23, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on December 16, as a [redacted] *** account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April 25, The balance at the time of purchase was $1, [redacted] s expresses a concern that his validation requests have been ignoredMidland Credit sent [redacted] s a validation letter on March 27, In the letter, Midland Credit informed him that Midland Funding had acquired the account, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was sent at the same address listed within [redacted] s’ complaint and was not returned as “undeliverable” by the United States Postal Service – thus satisfying the notification requirements of the FDCPA Midland Credit’s business records indicate that it received the first correspondence from [redacted] s on August 12, 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] s and collect the debt Based on the information [redacted] s provided, and pursuant to the [redacted] Finance Code, Midland Credit responded to his August 12, correspondence by sending him a letter advising that Midland Credit had determined that its credit file and credit reporting of the above-referenced account was accurate Aside from the above, [redacted] s writes that he has never had an account with Midland Credit Consumers are often unclear as to what the term “charge-off” means for a debt When a creditor "charges-off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books Often, they then sell the debt to a collection agency Please note that the underlying promissory obligation remains valid, due and owing Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account 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 With that said, Midland Credit stands ready to assist him in clearing his record if he has been a victim of identity theft or fraud If such is in fact the case, Midland Credit respectfully requests that [redacted] s 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] s should complete the form and have the form notarized He may forward appropriate documentation to Consumer Support Services at the address on this letterhead Otherwise, if [redacted] s is ready to settle the above-referenced debt, he may qualify for a reduction in his account balance Please have [redacted] s call Account Manager [redacted] at [redacted] *** to assist him in reaching a resolution that will be both beneficial to him, 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 [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.Hi [redacted] I read the review it said they needed more information Midland Funding LLC account # is [redacted] thats what I got for my credit report if you can send that over to them the amount owe is $1,and it stated that its open on my [redacted] credit reportWhich I want to be taken off Regards, [redacted] ***

October 13, 2014> 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 September 29, 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 [redacted] 's complaint indicates that she has consulted with an attorney Going forward, all communication about the matter should be handled by her attorney Please note that Midland Credit has not received any notification that she has retained an attorney, and respectfully requests that she provide the documentation showing that an attorney has been retained so that Midland Credit may update the account accordingly with her attorney's information If [redacted] has not retained an attorney, Midland Credit respectfully requests that she provide it with written notice so that 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 September 8, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on April 27, 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, 7, The balance at the time of purchase was $1, [redacted] expresses a concern that her validation requests have been ignored On January 2, 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”) The letter was mailed to [redacted] via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 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 records indicates that it received notification from the credit reporting agencies on July 18, of a possible dispute Although the request was not timely, verification information provided by the seller was mailed on August 13, to [redacted] in response to her dispute Another copy of the verification information provided by the seller is enclosed 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 above-referenced debt, she may qualify for a reduction in her account balance Please call Midland Credit Account Manager [redacted] at [redacted] *** to assist 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 [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] ***: 0in 0in 0pt;"> Thank you for your letter inquiry dated September 15, 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 June 28, Information provided by the seller, [redacted] , at the time of acquisition indicates this account was originated on March 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 September 12, The balance at the time of purchase was $ Final payment on the account was received on August 26, [redacted] has no further financial obligation for this account [redacted] expresses a concern that Midland Credit has not honored the payment to settle his account Midland Credit received a payment of $on August 26, 2014, which was in accordance with the latest settlement offer for the accountThe payment was automatically applied to the account, and a letter confirming receipt of the payment was sent to [redacted] However, as [redacted] had not contacted Midland Credit directly to settle the account, the letter also advised him of the remaining balance on the account and encouraged him to contact Midland Credit to discuss the account further Midland Credit has now updated [redacted] ’s account to reflect the paid status, and apologizes for the administrative oversight that delayed the updating of the account [redacted] has no further financial obligation for this account Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] 12pt;"> Thank you for your letter inquiry dated May 8, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on July 31, Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on September 13, 2009, as a [redacted] credit card 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 September 14, The balance at the time of purchase was $1, The full balance due as of May 20, 2014, including payments submitted, is $ While not the only item of concern identified within [redacted] complaint, she writes that while she has been submitting bi-weekly payments of $49.99, the balance of the account remains at $ 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 the $is the full balance remaining, [redacted] only has $left on her settlement Had the settlement balance been paid, the remaining balance on the account would have been reduced to zero However, on March 20, 2014, [redacted] cancelled the repayment plan after she was unable to submit the payment for March Aside from the above, [redacted] also writes that when she tried to pay off the remaining balance on her settlement, the Midland Credit account manager would not accept the payment Please note, that in order to protect consumers from double payments, Midland Credit’s system prevents an account manager from running a second credit card charge on the same account within hours of a previous charge A review of Midland Credit’s business records indicates that on February 7, 2014, [redacted] and her daughter called Midland Credit wanting to pay the remaining balance of the settlement The account manager appropriately informed them that since the $payment due that day had been charged earlier in the day, the system could not process another payment Midland Credit subsequently attempted to follwith [redacted] ’ daughter, who was the authorized payer on the account, but could not reach her While the settlement plan was previously voided, Midland Credit is willing to re-engage her 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 Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact our Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] ***: 0in 0in 0pt;"> Thank you for your letter inquiry dated February 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 April 2, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on August 24, as a [redacted] general consumer loan 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 April 30, The balance at the time of purchase was $ [redacted] expresses a concern that her validation requests have been ignored A review of Midland Credit’s business records indicates that shortly after Midland Funding acquired the above-referenced account, on April 27, 2012, Midland Credit mailed [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act (U.S.C§ et seq.) (“FDCPA”) Please note that the letter was mailed to [redacted] at the same address listed within her complaint via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter A review of Midland Credit’s business records indicates that received notices from the credit reporting agencies of possible disputes beginning on June 4, However, it did not receive the first written correspondence sent to Midland Credit from [redacted] until November 26, In any case, none of the disputes 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 While Midland Credit has acted timely and within the guidelines defined by applicable law, in keeping with its Consumer-First policy Midland Credit made the business decision to close the account on January 27, There will be no further collection activity, credit reporting or sale of this account In addition, the three credit-reporting agencies will be notified to delete all reference to the account in question from [redacted] ’s consumer credit files 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] ***

December 19, 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 December 5, 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 April 10, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on June 1, 2006, as a [redacted] credit card account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on January 11, The balance at the time of purchase was $ [redacted] *** expresses a concern that Midland Credit has failed to provide her with validation of the debt Midland Credit sent [redacted] a validation letter on April 15, In the letter, Midland Credit informed her that Midland Funding had acquired the account, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to [redacted] at the same address listed within her complaint, and was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it received the first correspondence from [redacted] on July 15, 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 Based on the information [redacted] provided and pursuant to the Texas Finance Code, Midland Credit responded by sending her a letter on the same day, providing her with account information In response to further disputes received on September 15, 2014, and October 13, 2014, Midland Credit sent letters to [redacted] on September 19, and October 17, 2014, respectively, advising that Midland Credit had determined that its credit file and credit reporting of the above-referenced account was accurate [redacted] also claims that her request for Midland to cease contact was ignored Midland Credit received [redacted] ***’s request on September 15, Within the correspondence, [redacted] only requested phone contact to cease Upon receipt, the account was marked “Direct Mail Only” to prevent further calls In fact, a review of Midland Credit’s business records indicates that no calls have been made to [redacted] since April Please note that based on the information provided by the seller, Midland Credit maintains 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 Texas Finance Code and/or the Fair Credit Reporting Act With that said, Midland Credit stands ready to assist [redacted] in clearing her record if she has been a victim of identity theft or fraud If such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a copy of either a police report or affidavit of fraud showing that she reported the fraudulent activity Please note that an affidavit of fraud can be found at [redacted] If submitting an affidavit of fraud, [redacted] should complete the form and have the form notarized She may forward appropriate documentation to Consumer Support Services at the address on this letterhead Otherwise, 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 In the meantime, 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 and continue to not receive 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] ***

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 belowIf this is my account I do not understand the issue of showing the signature in the account I have stated numerous times to the company & request numerous times only for them to give me the run around as they are doing nowRefusing to show the signature to verify who signed I have stated over & over it was not me Futhermore I have never received mail to my present address from midland They stated my parent's address I did not give them then how did they receive that address Again to resolve this once and for all just show the signatureRegards, [redacted]

Dear Ms***: Thank you for your follletter inquiry dated July 2, 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 Midland Credit provided all the relevant account information in its previous letter response to your office dated July 1, Ms [redacted] expresses a concern that Midland Credit continues to verify inaccurate, information to the credit reporting agenciesMs [redacted] also expresses a concern that Midland Funding is reporting a high balance on the account As expressed in its previous letter response, Ms [redacted] is encouraged to communicate directly with the credit bureaus should she have any further concerns about the nomenclature that Midland Funding 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 Further, Midland Funding does not report payment histories, balance histories or terms Additionally, the “type loan” Ms [redacted] refers to appears to be a misunderstanding of the information on the credit report What actually appears is “type of loan – debt buyer account” which is correct The “high balance” to which Ms [redacted] refers is the original balance at the time of purchase Midland Credit’s position has not changed and it firmly stands behind its previous response As stated previously, 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 bureau itselfA review of Midland Credit’s business records indicates that Midland Funding is accurately reporting the above-referenced account to the three major credit reporting agencies An instant update was submitted electronically on July 15, to ensure the accuracy of Midland Funding’s tradeline A copy of the Universal Data Form submitted is enclosed and a copy has also been mailed to Ms*** Please assure Ms [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms*** Thank you again for your assistance in this matter Please contact our Consumer Support Services team at (800) 825-ext*** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear belowDear [redacted] Thank you for your letter and for finally addressing my issues directlyHowever, your letter ignores specific questions and doesn’t provide me with an explanation of the many reporting inaccuracies We agree that we are talking about the two accounts [redacted] and [redacted] Just for the record I never said that you never contacted meI asked for more than a simple validation, I was asking for a proof that this account was mineThe only information that it was provided by you contained similar information to the information that you provided on this letter about the two accounts(See documents attached) Also, you must be very careful with the wording that you useYou said that I said that your company had “altered” my informationThis is a very serious accusation, as I never said that you had “altered” my accountI simply stated that you were not reporting my full name, when you use the verb “alter” it sounds like you intentionally made changes to my name and I didn’t say thatAs you state in your letter this is the information that you’ve received from the alleged original creditor and this is why you are receiving this complaintYou take accounts but do not verify them so if the account does not belong to me or if they information is being reported wrongly you just don’t care because your answer to your complaint will be that that’s what you received (regardless if wrong or not) I’m happy that you explained the term “OPEN” but an account can be either open or closed you can’t report that the account is opened with a credit bureau and closed with another and then blame them that they can update or nor their recordsSee previous attachment and see that accounts are being reported differentlyObviously you are not reporting the same information to all the bureaus For your information, my credit reports have been issued directly with [redacted] , [redacted] and [redacted] and I have also used MyFico and CreditKarma so I haven’t only used a compilation sourceThe information is being reported as I stated on my original complaint with the Revdex.com You either put the blame on the alleged original creditor (for sending you the wrong information) or on the bureaus (for reporting the wrong information)So I’m assuming that you believe that you do everything right even when you just admitted in your letter that you just use the information given to you regardless So you are still reporting this account wrongly and several FDCPA violations have been found, like the ones I mentioned on my previous letter and the fact that you reported my account while it was in the middle of a dispute Since you said you bought this account no worries about my relationship with the alleged original creditor but rest assured they’ve been taken care of already My complaint is directly with you because you are the one reporting wrongly and you don’t want to take responsibility for it I tried to fix this issue peacefully and I thought that a complaint with Revdex.com would make you look into the accounts and see the issues with it but I guess I was wrong Please remove these accounts immediately from my credit reportsIf this issue doesn’t get fixed within days or I will be filing an official complaint with the Consumer Financial Protection Bureau, the attorney general, the Federal Trade Commission and ACA InternationalAlthough, I would like to resolve things without an attorney I will look legal counsel if my accounts still appear on any of my credit reports days from today I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agenciesUnder the FCRA and the FDCPA, each violation is subject to a $1,fine, payable to meI can assure you that the payment would be higher than the amount that you say that I owe So please, read all my complaints again and especially this one and admit that you might be reporting the wrong person Thank You Regards, [redacted]

Dear [redacted] ***: New Roman Thank you for your letter inquiry dated September 5, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received via E-mailMidland 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 28, Information provided by the seller, [redacted] *** at the time of acquisition indicates this account was originated on August 29, 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 April 8, The charge-off balance was $1, Additional seller fees of $resulted in a balance at the time of purchase by Midland Funding of $2, [redacted] *** expresses a concern that her validation requests have been ignoredOn January 12, 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”) 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, 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 records indicates that it received notification from the credit reporting agencies on October 16, 2013, notifying it of a possible disputeIn response, on October 18, 2013, Midland Credit mailed a copy of the verification information provided by the seller to [redacted] *** Another copy of the verification information provided by the seller is enclosed Lastly, [redacted] expresses a concern that Midland Credit has re-aged the account by listing an open date that is later than the original While Midland Credit is sensitive to [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 services based on the business records maintained by the original lender/seller As referenced above, the open date listed on [redacted] ***’s credit report is in fact the date of purchase by Midland FundingIn accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date 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.” If [redacted] is ready to settle the above-referenced debt, she may qualify for a reduction in her account balance Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] *** to assist her in reaching a resolution that will settle the debt 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 Ms***: Thank you for your letter inquiry regarding Mr [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received July 8, 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 Mr [redacted] Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on May 29, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on May 6, 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 August 28, The balance at the time of purchase was $ Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on October 30, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on March 18, as a T-Mobile cellular account number ending in 6514, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on January 12, The balance at the time of purchase was $ Mr [redacted] writes that the accounts do not belong to him Midland Credit mailed Mr [redacted] separate and unique validation letters – on June 16, 2012, for account no [redacted] , and on November 10, 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”) Please note that the letters were mailed to Mr [redacted] at the same address listed within his complaint, and were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ 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 at the time, Midland Credit appropriately proceeded with efforts to contact Mr [redacted] and collect the debts Midland Credit’s business records indicate that it has not received any correspondence from Mr [redacted] pursuant to the Texas Finance Code Midland Credit acted in a timely manner and has complied with all applicable laws However, in keeping with its Consumer-First policy, Midland Credit made the business decision to close both accounts There will be no further collection activity, credit reporting or sale of these accounts In addition, the three credit-reporting agencies have been notified to delete Midland Credit’s reference to the collection accounts in question from Mr [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 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] ***

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 In his follow-up, MrIngham states his calllog more accurately reflects Midland Credit’s call times than Midland Credit’s internal records Please note that Midland Credit’s position has not changed Again, its business records indicate that [redacted] ’s number ( [redacted] ) has been dialed a total of times, all taking place in November If [redacted] is receiving calls at a number different than the one provided above, please have him contact our Consumer Support Services team at [redacted] to provide that number Additionally, if [redacted] wishes to provide Midland Credit with a copy of his call records, Midland Credit can review the records and verify if the call originated from Midland Credit However, please note that if [redacted] chooses to obtain the records, he does so at his own cost Midland Credit respectfully declines to be responsible for the costs incurred in obtaining the call records 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] New Roman Thank you for your letter inquiry dated August 7, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on December 28, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on July 8, 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 19, The balance at the time of purchase was $ [redacted] expresses a concern that his validation requests have been ignored On January 12, 2013, Midland Credit mailed [redacted] a validation letter, which informed him that Midland Funding had acquired the account, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to the same address listed within [redacted] ’s complaint via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter In fact, no correspondence was received from [redacted] prior to the complaint filed through your office, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt With that said, Midland Credit has recently received notice that the account was sold in error, and is currently in the process of being recalled by the seller Midland Credit has instructed the three major credit-reporting agencies to delete any reference to the above-referenced account from [redacted] ’s consumer credit files Going forward, please have [redacted] contact the seller to assist him with regards to the above-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 March 3, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on August 9, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on July 8, 2007, as a [redacted] account number ending in ***, in the name of [redacted] under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on March 9, The balance at the time of purchase was $ [redacted] expresses concern that Midland Credit has not honored his requests to adjust his payment plan A review of Midland Credit’s business records indicates that [redacted] agreed to a payment arrangement on August 18, 2011, but was unable to continue making payments in October On July 21, 2014, [redacted] agreed to another payment arrangement to resolve the balance Subsequently, while [redacted] submitted payments according to the payment plan, he requested multiple times to adjust the dates of his payment plan Midland Credit apologizes for any confusion [redacted] may have experienced as a result of the changes in his plan, and the timing of the letters that were sent to confirm the updated changes [redacted] also writes that he requested the payment dates for both January and February be moved to the last day of the month, but that he was notified by Midland Credit that the February payment would be withdrawn prior to the end of the month Midland Credit apologizes for any miscommunication [redacted] notification was too near the payment run date for Midland credit to be able to stop the payment from being processed Midland Credit advised [redacted] to contact his bank directly to stop the payment [redacted] would have been notified at the time he set the payment arrangement of the amount of time required for Midland Credit to stop payment With that said, in keeping with its Consumer-First policy, Midland Credit will accept the monies [redacted] has paid toward the account to date as final resolution of the account [redacted] has no further financial obligation for this account Midland Credit will update the credit reporting for the account as “Account paid in full, was a collection account,” with an additional memo stating “Account paid in full for less than the full balance.” Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] face="Times New Roman">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 [redacted] expresses a concern that she made a payment to resolve the balance of an account, and the account shows that there is a balance remaining [redacted] indicates that this is the second time she has had this experience An investigation of this matter indicates that Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on October 28, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on August 26, 2013, as a [redacted] credit card account number ending in 1754, 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 16, The balance at the time of purchase was $ A review of Midland Credit’s business records indicates that [redacted] made a payment via credit card on May 13, A letter was sent to [redacted] on May 16, 2016, advising that her payment had been received and that she has no further financial obligation for the account Midland Credit received subsequent communication from [redacted] ***, and a letter was sent to her on June 24, 2016, again advising that she has no further financial obligation 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.” Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on October 2, Information provided by the seller, [redacted] Bank, at the time of acquisition indicates this account was originated on October 9, 2013, as a [redacted] account number ending in 6282, 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 24, The balance at the time of purchase was $ A copy of the verification information provided by the seller is enclosed for your records [redacted] states that she made a payment of $on June 30, to resolve the balance, but that the account is still showing a balance of $ A review of Midland Credit’s business records indicates that on June 30, 2016, [redacted] agreed to pay $via electronic check to resolve the balance of account no [redacted] A letter was sent to [redacted] on July 1, 2016, confirming the payment arrangement Midland Credit subsequently received notice that the payment did not go through due to an invalid routing number A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate [redacted] indicates that she has disputed through Midland Credit’s website on multiple occasions A review of Midland Credit’s business records indicates that it received four inquiries from [redacted] regarding account no [redacted] Upon receipt of the inquiries, a Midland Credit account manager attempted to reach out to [redacted] ***, however was unable to reach her If [redacted] would like to resolve the balance for account no [redacted] , 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 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 [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