Midland Credit Management

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 Some of the very first words I spoke to [redacted] were, "I want to get this paid and removed from my credit report." To which she replied, "I'd be glad to help you with that today, sir." She later went into some spiel about it showing as Paid in Full for the time being (a short time) but that I could contact Midland and easily have it removed since I was paying IN FULLI could have paid ~percent of the debt if I just wanted it listed as Settled or Paid in FullRegarding the aforementioned lawsuit, I was not served with a summons, so I'm unaware of any suit that was supposedly filed or not filedI wouldn't mind seeing the suit's contents to see if it was robo-signed like thousands of other suits by Midland have beenHowever, I have sent an intent to sue letter to the company for SEVERAL inaccurate reporting offenses to the three bureaus for separate offenses regarding the harm they've done to my credit report, and by extension, my creditI just want the trade line removed from my credit reportsThe company can either spend big bucks defending themselves in court over a $debt that has been PAID, or they can simply remove it from my reportsThe choice is theirs The company's final response to this letter will determine whether I go forward with the suitIf the response is anything other than a full removal from the credit bureaus' files, then I will file suit within three business days of the replyI am awaiting a response, and I hope it's a favorable oneIf not, they should prepare to send their legal team to rural [redacted] , or they'll be facing a default judgment like the thousands of default judgments they receive on a regular basisI will also file formal complaints with the [redacted] Office of the Attorney General Consumer Protection Division and the FTC at that time Regards, [redacted]

Dear [redacted] Thank you for your letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 17, Midland Credit appreciates the opportunity to answer your questions [redacted] filed similar complaints through the South Carolina Department of Consumer Affairs (“SCDCA”), and the Consumer Financial Protection Bureau (“CFPB”) Copies of Midland Credit’s responses to the SCDCA and CFPB are enclosed 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] ***(“ [redacted] ***”), at the time of acquisition indicates this account was originated on November 18, 2008, as a [redacted] account number ending in ***, in the name of [redacted] under the last four of the social security number*** Subsequently, the account was charged-off as an unpaid delinquent-debt on October 31, The balance at the time of purchase was $12, [redacted] writes that she has never had an account with Midland Funding Please note, 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 The underlying promissory obligation remains valid, due and owing Just as the original creditor, [redacted] ***, had the right to legally seek repayment of the promissory obligation, the new third-party purchaser, Midland Funding, also has the right to repayment of the credit account The account remains collectible, due, and owing to Midland Credit [redacted] also indicates that Midland Credit has not provided her with validation of the debt On January 2, 2012, Midland Credit mailed [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and informed her 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 Midland Credit received the first notice of possible dispute from the credit bureaus on January 2, 2014, which could not be considered timely Midland Credit also received the first written correspondence requesting validation from [redacted] on October 2, 2014, which also could not 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 When a resolution could not be reached, on October 20, 2014, this account was outsourced to the law firm of [redacted] (“ [redacted] ”) The firm is located at [redacted] ***, and their phone number is (678) [redacted] Midland Credit forwarded a copy of the complaint to the firm and inquired with them regarding the matter The firm has advised that when a resolution could not be reached with them, suit was filed on November 21, [redacted] also expresses concern that the statute of limitations has run on her account In the correspondence Midland Credit received October 2, 2014, and in subsequent correspondence, [redacted] listed her address as being in the state of [redacted] Based on the stated residential address at the time, Midland Credit’s business records indicate that the statute of limitations was not set to expire until April 4, On February 12, 2015, Midland Credit received a complaint [redacted] filed with the [redacted] Department of Consumer Affairs, in which she listed her address as being in [redacted] The account has been updated to reflect this change [redacted] is correct, based on her new address, the statute of limitations would be expired However, the passing of the statute of limitations does not extinguish the validity of the debt Rather, it eliminates litigation as a potential remedy to collect the debt Because suit was filed within [redacted] ’s statute of limitations while [redacted] was living in [redacted] , Midland Credit must respectfully conclude that suit was properly filed [redacted] also expresses concern that she was not served [redacted] advised that no service was performed as it had recalled the case from the service processor and has commenced dismissal of the lawsuit Once the lawsuit has been dismissed, the file will be referred back to Midland Credit for servicing, as the debt still remains valid, due and owing Since [redacted] now lives in [redacted] , no new lawsuit will be filed on the account Midland Credit’s business records indicate that it is accurately reporting the account to the credit reporting agencies The account has been marked “Cease and Desist.” [redacted] will no longer receive contact 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] 11pt;"> Thank you for your letter inquiry dated March 17, 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 May 14, Information provided by the seller, [redacted] *** at the time of acquisition indicates this account was originated on July 4, 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 July 13, 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 June 10, 2012, Midland Credit mailed [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act (U.S.C§ et seq.) (“FDCPA”) Please note that the letter was mailed to [redacted] via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter In fact, no correspondence was received from [redacted] prior to the complaint filed through your office, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” (U.S.C§ 1692g(a)(3).) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt [redacted] states that she believes the matter is over years old As stated above, the original creditor charged off the account in July The above-referenced account remains within [redacted] ’s Statute of Limitations, which is set to expire on January 14, 2017, and the Federal Reporting Period, which will expire on January 14, respectively However, the expiration of these periods does not extinguish the validity of the debt Expiration of the Statute of Limitations eliminates the legal cause of action on the debt; and expiration of the Federal Reporting Period requires the account to be removed from a consumer’s credit report In both cases, the debt remains valid, due, and owing Regarding [redacted] ’s concern that Midland Credit will not remove the above-referenced account from her consumer credit files should payment be received, please note that it is Midland Credit’s policy to report all accounts accurately A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced account to the three major credit reporting agencies Should payment be received to resolve the matter, Midland Credit would then update the status of the account with the credit reporting agencies to reflect a paid status If Midland Credit were to delete the account, its correct and accurate status would not be reflected That being said, [redacted] states that there was an error in the payoff balance with [redacted] While the seller has not notified Midland Credit of this possibility, Midland Credit stands ready to assist [redacted] in clearing her record if it is somehow attempting to collect an account which was resolved prior to Midland Credit becoming the servicer, and requests that she provide documentation or evidence which substantiates her claim [redacted] may forward the 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.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 have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear belowMidland Credit Management keeps saying that it responded with the appropriate validation pursuant to the FDCPA, however that is incorrect as the validation provided does NOT MEET the requirements per the FDPCAFurthermore, Midland Credit Management keeps regurgitating that it is reporting accurate information when it is NOTMidland Credit Reporting ontop of having insufficiently validating this account is currently and is still reporting inaccurate information to all credit bureaus causing me further damagesI have attached a letter sent to Midland Credit Management outlining all the violations that it is has and is/or currently violatingI have also attached a copy of the return reciept that proves that Midland Credit Management recieved my correspondenceThe fact that Midland Credit Management keeps avoiding these facts and has done nothing to rectify them, the only solution I ask for is that it immediately delete its tradeline from all credit bureaus and also that it does not sell nor trade this account with any 3rd party in the future Regards, [redacted]

April 26, 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 April 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] address was provided to Midland Credit representatives by a third party In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account [redacted] address has been marked “Do Not Mail” in Midland Credit’s computer system for the referenced account Please assure [redacted] that she will no longer receive correspondence from Midland Credit representatives regarding the referenced account Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] ***Thank you for your follletter inquiry dated September 23, 2014, regarding [redacted] ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions [redacted] expresses dissatisfaction with Midland Credit’s previous response Midland Credit maintains its previous position as stated in the response Midland Credit does not have a record of a March conversation with [redacted] and its policy is to report all accounts accurately The above-referenced account was resolved via [redacted] making the agreed upon payments The correct and accurate status of the account as paid is accurately being reported to the credit reporting agencies 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, Leg [redacted] Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in C**ifornia [redacted] ***

Dear [redacted] ***: Thank you for your letter inquiry dated February 3, 2014, regarding [redacted] ’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received February 4, via E-mail Midland Credit appreciates the opportunity to answer your questions [redacted] writes that he recently received 8-calls from Midland Credit 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] ’s phone number was provided to Midland Credit representatives by a third party In reliance on that information provided to it, Midland Credit previously attempted to contact the consumer regarding the account A review of Midland Credit’s business records indicates that it has dialed [redacted] ’s number a total of times, however, all the calls took place in November 2011, and Midland Credit’s business records indicates that it has not dialed [redacted] ’s phone number since Often a consumer will speak to someone from one collection agency and then falsely believe that any subsequent collection calls, even those from another collection company, are from the same company Since [redacted] ’s complaint states he is receiving calls well in excess of those made by Midland Credit representatives, it appears that this has happened to him [redacted] s phone number has been marked “Do Not Call” in Midland Credit’s computer system for the account [redacted] will no longer receive calls from Midland Credit representatives regarding the account Additionally, [redacted] ’s telephone number ( [redacted] ) has been added to an exclusion list to prevent it from being called in the future Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact our Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] Thank you for your follletter inquiry dated June 30, 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 June 5, [redacted] continues to request verification information, however, Midland Credit’s position has not changed A review of Midland Credit’s business records indicates that it has acted timely and appropriately pursuant to applicable law Additionally, [redacted] questions whether the account is collectible due to the expiration of the Statute of Limitations A review of Midland Credit’s business records indicates that the Statute of Limitations expired on November 10, However, please note that the passing of the Statute of Limitations does not extinguish the validity of the debt Rather, it eliminates litigation as a potential remedy [redacted] also writes that he was living in Paris, France, during the time the account was openedIf the above-referenced account is a product of identity theft, Midland Credit stands ready to assist [redacted] in clearing his record 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 [redacted] If submitting an affidavit of fraud, [redacted] should complete the form and have the form notarized He may forward appropriate documentation to Consumer Support Services at the address on this letterhead As indicated in Midland Credit’s previous response, it made the business decision to cease reporting of the account to the three major credit bureaus and the account has been marked “Cease and Desist.” Midland Credit will be closing its investigation of [redacted] ’s disputeThe above-referenced account still remains collectible, due and owing to Midland Credit 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] ***

Thank you for your letter inquiry dated Roman', serif;">July 1, 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 July 13, Information provided by the seller, T-Mobile PCS Holdings LLC, at the time of acquisition indicates this account was originated on February 11, 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 October 13, The balance at the time of purchase was $2, Ms [redacted] expresses a concern that her validation requests have been ignored On July 21, 2012, Midland Credit mailed Ms [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to the same address listed within Ms***’s complaint via the United States Postal Service, and was not returned as “undeliverable” – satisfying the requirements set forth within the FDCPA Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from Ms [redacted] in response to the letter A review of Midland Credit’s business records indicate that it received the first correspondence requesting validation from Ms [redacted] on May 21, The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact Ms [redacted] and collect the debt 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 the account on May 28, A letter advising of the same was mailed to Ms [redacted] on May 30, There will be no further collection activity, credit reporting or sale of this account In addition, the three credit-reporting agencies were notified to delete all reference to the account in question from Ms***’s consumer credit files Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms*** 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] ***

September 2, 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 dated August 19, 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 Midland Credit provided all the relevant account information in its previous letter response to your office dated August 13, [redacted] continues to allege that she was promised the account would be deleted once the debt was paid Midland Credit maintains its position in that neither Midland Credit nor [redacted] had any direct contact with [redacted] *** Payment was made through judgment enforcement, not through voluntary agreement Again, it is Midland Credit’s policy to report all accounts accurately 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.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Every six months they will "void" a previously agreed upon 'settlement' and payment amount, and then attempt to blame the consumer for 'cancelling the payment without notice' -- it has happened twiceThe most event they even went so far as to lie that my wife had called them and told them to stop taking paymentsA boldface lie! They then proceeded to call 6-times per day, never leaving a message on the answering machineThis is harrassmentWe NEVER stopped making payments, they stopped extracting the previously agreed upon amount from my checking accountThis company should be denied the ability to be in businessI can hardly contain myself waiting for six months from now to see what new LIE they come up with

April 20, VIA E-Mail MsL [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 Ms [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 6, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on June 28, Information provided by the seller, [redacted] Holdings LLC, at the time of acquisition indicates this account was originated on January 4, 2008, 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 September 29, The balance at the time of purchase was $3, Ms [redacted] expresses a concern that Midland Credit representatives have contacted her before 8am local time and after 9:00pm local time Please assure Ms [redacted] that Midland Credit has safeguards in place to prevent its calls from being placed before 8:00am local time and after 9:00pm local time Midland Credit’s determination of which local time should control is based on information then available to it, including the phone number’s area code Ms***’s phone number contains an area code belonging to Yonkers, New York Based on that information, Midland Credit attempted to contact Ms [redacted] at times consistent with New York All calls were placed after 8:00am and prior to 9:pm local Yonkers time As described in the complaint, Ms [redacted] questions the alleged conduct of certain Midland Credit employees Please note that the alleged conduct described by Ms [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 Additionally, Ms [redacted] expresses a concern that, prior to Midland Funding’s purchase of the account, a [redacted] representative changed her phone plan without her consent, resulting in her account being forwarded to collectionsA review of Midland Credit’s business records indicate it was not advised of Ms***’s concerns with [redacted] prior to receipt of her complaint However, now that Midland Credit has been made aware of Ms***’s prior issues with [redacted] , in keeping with its Consumer-First policy, Midland Credit has made the business decision to close the account 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 Ms***’s consumer credit files Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms*** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc Gregory Gerkin, Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] lang="X-NONE">Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received November 5, 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 28, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on April 13, 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 December 16, The balance at the time of purchase was $1, Final payment on the account was received by Midland Credit on April 4, [redacted] has no further financial obligation for this account [redacted] expresses a concern that the account does not belong to herOn September 10, 2014, Midland Credit mailed [redacted] a validation letter Please note that the letter was mailed to the same address listed within the consumer’s complaint The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”) U.S.C§ In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA ( U.S.C§ 1692) Midland Credit’s business records indicate that it did not receive any written correspondence disputing the debt or requesting validation from [redacted] in response to the letter In response to [redacted] claim that the account does not belong to her, a copy of the verification information provided by the seller is enclosed for her records 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 a police report showing that she reported the fraudulent activity [redacted] can contact Midland Credit online at [redacted] where she can email questions to a Consumer Support Services (CSS) specialist, find the answers to frequently asked questions, and upload documents to support her request Uploaded documents are automatically sent to a CSS specialist, who will investigate the consumer’s question and mail back a response Or [redacted] may forward appropriate documentation to CSS using the contact information on this letterhead [redacted] also expresses a desire to have the above-referenced account deleted from her consumer credit files since the debt has been repaid While Midland Credit is pleased that it was able to assist [redacted] in reaching a resolution which resolved the balance for the above-referenced account, please note that it is Midland Credit’s policy to furnish accurate account information A review of Midland Credit’s business records indicates that it is accurately furnishing information for the above-referenced account as “Account paid in full, was a collection account.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

Dear [redacted] 12pt"> Thank you for your letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 21, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of two accounts belonging to [redacted] Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on June 10, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on April 16, 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 February 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 May 30, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on September 29, 2013, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April 29, The balance at the time of purchase was $ [redacted] expresses a concern that she does not owe the debts Midland Credit mailed [redacted] separate and unique validation letters – on June 23, 2011, for account no [redacted] , and on June 9, 2014, for account no [redacted] These letters informed her that Midland Funding had acquired the accounts, and of her rights pursuant to the Fair Debt Collection Practices Act, 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 In fact; no correspondence was received directly from [redacted] prior to the complaint filed through your office, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such notices in a timely manner, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debts Although the request is not timely, a copy of the verification information provided by the seller for account no [redacted] is enclosed for [redacted] ’s records 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 [redacted] expresses a concern that Midland Credit representatives have contacted her excessively Please assure [redacted] that Midland Credit has safeguards in place to ensure that its calls are being placed according to applicable law A review of Midland Credit’s business records indicates that Midland Credit did not call [redacted] more often than is allowable pursuant to applicable law Per [redacted] ’s request, the above-referenced accounts have been marked “Cease and Desist.” While they remain due and owing, [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law If [redacted] is ready to resolve the above-referenced debts, she may qualify for a reduction in her account balances Please have [redacted] call Account Manager [redacted] at [redacted] to assist her in reaching a resolution of 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 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

September 10, 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 August 27, 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 [redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”) A copy of Midland Credit’s response to the CFPB is enclosed 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 December 21, as a [redacted] *** account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on November 20, The balance at the time of purchase was $ While not the only item of concern identified within [redacted] *** complaint, she writes that the above-referenced account is not hers On August 20, 2011, 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 via e-mail requesting validation from [redacted] on May 22, 2014, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such 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 above-referenced account is reporting as “days past due” on her consumer credit files Although Midland Credit submits updates to the reporting agencies each month, Midland Credit does not report accounts as “days past due” to the credit reporting agencies Depending on the current condition of a given account, Midland Credit will report that account as either “Account assigned to internal or external collections,” “Account paid in full, was a collection account,” or “Account paid in full for less than the full balance.” Midland Credit’s business records indicate that it is appropriately reporting the above-referenced account to the three major credit reporting agencies [redacted] *** also writes that Midland Credit is reporting inaccurate information on her consumer credit files, listing the account as a “key derogatory.” Please note that the account is not being reported as “key derogatory.” The credit bureaus determine which accounts should be marked as a “key derogatory” and marks them as such In addition, it is Midland Credits understanding that only the consumer can see the notation of “key derogatory.” As a debt buyer, Midland Funding has been advised that it should report accounts as: current status – collection account; type of account – open; type of loan – factoring company account; additional information – collection account For purposes of credit reporting, the term “Open (Portfolio Type)” has the following definition: “Accounts where the entire amount is due upon demand or that have one payment due as scheduled (i.e., Terms Duration = 001).” That indicates that the account is currently open, due and owing in one payment 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 [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 [redacted] obtained her credit report from a compilation source, the information being reported may appear to vary The credit bureaus have advised that it appears this way because they do not directly populate the fields on credit reports pulled from any source other than directly from the credit bureau itself Please assure [redacted] that Midland Credit does not modify or alter any of the original account information provided by the seller, such as the name of the consumer, or the date of occurrence Midland Credit reports the information on the accounts it acquires based on the business records maintained by the original lender/seller, and the payment history of each individual consumer 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 In the meantime, per [redacted] ***’ previous request, the above-referenced account will remain marked “Direct Mail Only.” While it remains due and owing, [redacted] will continue to not receive phone calls from Midland Credit representatives and all correspondence will be sent via the United States Postal Service Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

Dear [redacted] 12pt"> Thank you for your letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 9, 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 20, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on March 14, 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 November 30, The balance at the time of purchase was $1, Final payment on the account was received by Midland Credit on March 23, [redacted] has no further financial obligation for this account [redacted] writes that she sent $to [redacted] , subsequently received an offer from Midland Credit to settle the balance for $631.17, and is awaiting a refund for the difference per a conversation she had with Midland Credit representative [redacted] *** A review of Midland Credit’s business records indicates that [redacted] called Midland Credit on March 9, and spoke with Midland Credit representative [redacted] *** The balance remaining on the account was $901.67, and [redacted] advised [redacted] that she had made a payment to the seller for $and requested a refund for the difference Midland Credit fully respects consumers’ rights and privacy and has established policies and procedures designed to protect those rights However, Midland Credit has determined that no violation of company policy occurred Midland Credit’s review of [redacted] ’s conversation with [redacted] on March 9, indicates that [redacted] did not promise a refund In fact, [redacted] reiterated to [redacted] that the balance owed at the time was $ Additionally, at the time of the conversation with [redacted] ***, Midland Credit had not yet received the funds from the seller [redacted] also subsequently called Midland Credit on March 23, and spoke with two representatives regarding her refund request; however, the funds had not yet been received from the seller at the time those conversations took place For that reason, those representatives would not have been able to request a refund Later that day, on March 23, 2015, Midland Credit received $from the seller and posted the funds to the account However, because the balance owed was $901.67, and Midland Credit received $902.00, this left an overpayment in the amount of $ Midland Credit started the process for a refund in the amount of $ While [redacted] states that she learned of the $settlement offer after making the $payment to the seller, in keeping with its Consumer-First policy, Midland Credit will honor the settlement offer, and will refund $to [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] ***

Per Midland assigning numbers to the complaint Pointless! Still an offshore boiler room looking for vulnerable citizens to defraud This response is just an obfuscation They will continue to do what they are doingProbably to your Grandmother or Aunt [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 Regards, [redacted] ***

March 11, 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 February 26, Midland Credit appreciates the opportunity to answer your questions [redacted] writes that she recently received a check from Midland Credit, made to the spouse of a client, and requests information as to why she received the check [redacted] also requests to know why she is listed as having power of attorney for the account An investigation of this matter indicates that the original issuer forwarded a payment for the account in 2010, along with documentation from [redacted] concerning the payment Because her information was included in the documents forwarded by the original issuer, [redacted] ***’s contact information was mistakenly updated to the account as a Power of Attorney Midland Credit apologizes for the inconvenience Regarding the check [redacted] received, a review of records indicates that the original issuer forwarded the payment to Midland Credit in error, and the payment was returned to the address on file However, Midland Credit has now issued a stop payment on the check, and will return the payment back to the issuer Additionally, [redacted] ***’s contact information has been removed from the 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 How is it acceptable to offer not one spec of detail as to who you are and then all out question me on an individual? A situation like that where you fail to provide any information of who you are is constituted as harassment when you question me asking things Regards, [redacted]

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 October 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 28, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on November 2, 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 $ [redacted] expresses a concern that he does not owe the above-referenced debt On July 18, 2012, 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 A review of Midland Credit’s business records indicates that it received the first correspondence disputing the account from [redacted] on September 30, 2014, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt While [redacted] ’s request was untimely, a copy of the verification information provided by the seller is enclosed for his records A review of Midland Credit’s business records indicates that the account is accurately reporting to the credit reporting agencies With that said, Midland Credit stands ready to assist [redacted] in clearing his record if he has been a victim of identity theft or fraud If such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a copy of either a police report or affidavit of fraud showing that he reported the fraudulent activity Please note that an affidavit of fraud can be found at [redacted] If submitting an affidavit of fraud, [redacted] should complete the form and have the form notarized He may forward appropriate documentation to Consumer Support Services at the address on this letterhead Until such documentation is received, based on the information available to it, Midland Credit must respectfully conclude the account remains valid, due and owing to it Otherwise, if [redacted] is ready to settle the above-referenced debt, he may qualify for a reduction in his account balance Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] *** to assist him in reaching a resolution that will be both beneficial to him, as well as settle the account balance In the meantime, per [redacted] ’s request, the account will be coded “Cease and Desist.” While it remains due and owing, [redacted] will no longer receive contact 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