Midland Credit Management

October 21, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your follletter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received October 7, 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 July 23, Since that time, the above referenced account has become the subject of ongoing contested civil litigationFor that reason, and given the contested nature of the matter, Midland Credit will be addressing the allegations contained in [redacted] complaint as part of the formal litigation process 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 find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted] THANK YOU FOR YOUR ASSISTANCE IN THIS COMPLAINTI ACCEPT THE RESOLUTION MIDLAND CREDIT MANAGEMENT OFFERED ON MY ACCOUNT SINCERLY [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved BY THE WAY IN REBUTTAL TO WHAT THEY SAY, THEY OFFER no means FOR A CONSUMER TO TELL THEM THEY ARE CALLING A WRONG NUMBER THEY USE COMPUTERS TO DIAL AND THERE IS NO ONE ON THE PHONE ADDITIONALLY IF THEY TRULY WERE CONCERNED, THEY WOULD LEAVE A MESSAGE RATHER THAN JUST HANGING UP THESE TYPES OF COMPANIES DO NOT TAKE "WRONG NUMBER" AS AN ANSWER Regards, [redacted]

Dear [redacted] class="MsoBodyText3">Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received December 15, Midland Credit appreciates the opportunity to answer your questions 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 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 April 7, The balance at the time of purchase was $ [redacted] expresses concern that a debt that he paid over three year ago is still active on his credit report, and requests to have the account removed from his credit report A review of Midland Credit’s business records indicates that on May 2, 2010, this account was assigned to the law firm of [redacted] & [redacted] , [redacted] (“ [redacted] ”) [redacted] has advised that suit was filed on July 21, 2010, [redacted] served on July 29, 2010, and judgment was awarded on September 24, Ultimately, the judgment was fully paid through a wage remittance on October 12, [redacted] further advises that a letter was mailed to [redacted] on or about December 11, 2015, confirming that the account is paid in full Due to an oversight by the courts, the Warrant of Satisfaction was not returned by the Court Officer when the judgment was initially satisfied However, [redacted] contacted the Court on December 18, 2015, and confirmed that the judgment file is reflecting as closed Additionally, [redacted] is taking steps to submit the Warrant of Satisfaction on [redacted] behalf [redacted] has no further financial obligation for the above-referenced account Please note that Midland Credit only reports the tradeline of the above-referenced accountIn this case, Midland Credit previously ceased reporting the tradelineThe credit reporting agencies report the judgment as a matter of public record and do so in accordance with applicable lawMidland Credit has no jurisdiction over the credit reporting of any matters of public record 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] ***, or [redacted] directly 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 22, face="Times New Roman"> VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received December 8, 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 May 7, 2009, as an [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 June 30, The balance at the time of purchase was $2, [redacted] expresses a concern that she has never had this account On February 14, 2012, Midland Credit mailed [redacted] a validation letter Please note that the letter was mailed to [redacted] via the United States Postal Service The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”) U.S.C§ In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (U.S.C§ 1692) Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter Midland Credit received the first correspondence requesting validation from [redacted] on October 16, 2015, to which Midland Credit appropriately responded with a letter on October 28, 2015, requesting more information and supporting documentation regarding her dispute On November 10, 2015, a Midland Credit representative reached out to [redacted] to discuss the concerns listed in her complaint [redacted] stated she is not aware of this account, only had one account, and does not know where this account came from [redacted] was advised she may fax in additional documentation to support her claim A fax was received from [redacted] that same day The documents forwarded from [redacted] show that she paid another company in for an [redacted] account with the last four of the account number *** Please note that the last four account numbers referenced in the documentation [redacted] provided do not match the last four of the account that Midland Credit is servicing With that said, Midland Credit has acknowledged [redacted] dispute, annotated the account as disputed, and has ceased collection efforts while it is in the process of verifying the debt Once Midland Credit has obtained verification of the debt, a copy will be mailed to your office Additionally, Midland Credit will not furnish account information to the three major credit reporting agencies until it is able to provide [redacted] with verification of 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] ***

April 11, 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] complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 28, Midland Credit appreciates the opportunity to answer your questions Please note, [redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”), case no [redacted] ) Midland Credit sent a response to [redacted] through the CFPB dated April 4, 2016, a copy of that response is enclosed for your reference 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 number [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on September 25, Information provided by the seller, [redacted] , at the time of acquisition indicates this account was originated on October 7, 2009, as a [redacted] / [redacted] ,***credit card account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on February 13, The balance at the time of purchase was $2, A review of Midland Credit’s business records indicates that on March 3, 2013, this account was placed with [redacted] (“ [redacted] ***”) [redacted] advised that suit was filed on April 18, and a judgment was entered on July 12, A copy of the judgment is enclosed in the attached response to the CFPB Midland Credit became the servicer of account number [redacted] , on behalf of purchaser, Midland Funding, on March 29, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on February 6, 2003, as a [redacted] account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on January 2, The balance at the time of purchase was $11, [redacted] is requesting validation on the above referenced accounts Please note, Midland Credit mailed [redacted] separate and unique validation letters – on September 30, 2012, for account number [redacted] , and on April 10, 2013, for account number [redacted] These letters informed [redacted] 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 written correspondence disputing the debts or requesting validation from [redacted] in response to the letters A review of Midland Credit’s business records indicates that it received the first notification of a possible dispute from the credit reporting agencies on or about January 3, for account numbers [redacted] and [redacted] In response to the notices of possible disputes received on account number [redacted] , Midland Credit mailed [redacted] a copy of the verification information provided by the seller on January 21, 2015, September 9, 2015, and February 26, A copy of the verification information provided by the seller is enclosed in the attached response to the CFPB Please note, upon receipt of [redacted] complaint for account number [redacted] , Midland Credit acknowledged her current dispute, annotated the account as disputed, and has ceased collection efforts while it is in the process of verifying the debt Once Midland Credit has obtained verification of the debt, a copy will be forwarded to [redacted] through the Revdex.com (“Revdex.com”) and CFPB Additionally, Midland Credit will not furnish information for the account to the three major credit reporting agencies until it is able to provide you with verification of the debt [redacted] is also stating that Midland Credit is reporting an inaccurate debt and re-aging the accounts monthly While Midland Credit is sensitive to [redacted] concerns, 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 furnishes account information on the accounts it services based on the business records maintained by the original lender/seller In accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date being furnished for this account reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.” In regards to account number [redacted] , Midland Credit encourages [redacted] to work with [redacted] to assist in reaching a positive resolutionThe firm may be reach be reached at [redacted] Their phone number is [redacted] Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

Dear [redacted] Thank you for your letter inquiry dated April 16, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of the two accounts belonging to [redacted] referenced in the complaint forwarded by your office Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on May 14, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on December 17, 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 November 5, The balance at the time of purchase was $ The current balance including interest accrued and payments received is $ Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on August 8, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on January 19, 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 March 16, The balance at the time of purchase was $2, The current balance including interest accrued and payments received is $1, [redacted] expresses a concern that her father-in-law’s phone number was being called by Midland Credit representatives despite verbally advising that only her phone number of [redacted] was be used Midland Credit has conducted an investigation into the alleged conduct of its employeesDue to an administrative oversight, [redacted] ***’ father-in-law’s phone number was only disabled on one of the two above-referenced accounts Midland Credit apologizes and has marked all phone numbers on both of the above-referenced accounts as “Do Not Call,” with the exception of phone number [redacted] Please advise [redacted] that Account Manager [redacted] continues to be her point of contact regarding completion of the on-going payment plans for each of the above-referenced accounts She can be reached at [redacted] *** regarding any questions about the payment plans in place 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 below I thank you for your time and the effort you have put into helping me to resolve this matterI'm sorry that we have to do this this way, like a blind boxer throwing punches to the air I also want to thank MCM for trying to solve this matter as wellMy only concern and question is, how can someone who doesn't own any money (and I am conscious of that) be forced to pay for something they don't owe? They said on the letter to call so we can reach an agreement on a debt reductionBut I'm having a hard time understanding why if I paid everything I owed to [redacted] while I was their customer? I can't really understand and I am not open to injustice and unfairnessI will with much willingness and gadfly pay as long as I am conscious that I owe something I just can't pay for something I don't owe, I don't have enough money to pay my bills less to givePlease I apologize for any inconvenience and for all of the time invested or wasted in this matterNevertheless thank you very much for your help Regards, [redacted]

Dear Ms***: Roman">Thank you for your letter inquiry regarding Mr [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received July 16, 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 30, Information provided by the seller, Cavalry SPV I, LLC, at the time of acquisition indicates this account was originated on July 6, as a [redacted] , [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on June 30, The balance at the time of purchase was $1, On January 16, 2012, 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”) 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 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 A review of Midland Credit’s business records indicates that it received the first correspondence from Mr [redacted] on or about March 6, However it was not a request for validation, but rather an offer to resolve the account for $in exchange for the deletion of Midland Credit’s tradeline Midland Credit did not accept Mr [redacted] ’s offer Mr [redacted] expresses a concern that the open date of his [redacted] account is appearing as December 1, when the account was opened in March of and closed in June of While Midland Credit is sensitive to Mr [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 In accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date being reported on this account reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.” Mr [redacted] also expresses a concern that the account is reporting with several variations using the same account number Consumers are often unclear as to what “charge off” means for a debt When a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books Often, they then sell the debt to a collection agency Please note that the underlying promissory obligation remains valid, due and owing Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account The above-referenced account remains collectible, due and owing to Midland Credit Additionally, ***, as the original creditor may also be reporting the account after it was sold Whether or not the original creditor is reporting the account, the account remains valid, due and owing Additionally, if Mr [redacted] obtained his 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 If Mr [redacted] has concerns regarding the information being reported by the original creditor, he may dispute it directly with the credit reporting agencies Mr [redacted] has also stated that he has been given the run around when he has attempted to obtain information regarding the reporting of the account On June 25, Midland Credit received a phone call from Mr [redacted] inquiring about the status of the account Mr [redacted] expressed a concern that two companies were reporting the same account on his credit report Mr [redacted] was advised that Midland Credit cannot comment on the credit reporting of the original creditor and to contact the credit bureaus to address those concerns Mr [redacted] was also advised that the account is now owned by Midland Funding and will be reported as such Mr [redacted] also requests to have the above-referenced account deleted from his credit report due to the inaccuracies 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, therefore respectfully declines his request Please note, on June 7, Mr [redacted] entered into an agreement to resolve the account balance Should Mr [redacted] pay the full balance, Midland Credit will report the account as “Account paid in full, was a collection account.” Should Mr [redacted] pay less than the full balance to fully settle the account, Midland Credit will report an additional memo stating “Account paid in full for less than the full balance.” In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, Mr [redacted] ’s account has now been referred to Account Manager [redacted] Please have Mr [redacted] call Ms [redacted] at (800) 825-ext [redacted] to assist him 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 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 Ms***: 0in 0in 0pt;"> Thank you for your letter inquiry dated June 10, 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 September 29, Information provided by the seller, Citibank (South Dakota), N.A., at the time of acquisition indicates this account was originated on February 25, as a [redacted] *** MasterCard 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 11, The balance at the time of purchase was $1, Ms [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 October 7, 2009, 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 (“FDCPA”) U.S.C§ et seq 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 February 19, 2010, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact Ms [redacted] and collect the debt A review of Midland Credit’s business records indicate that it is accurately reporting the above-referenced account to the three major credit reporting agencies 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] ***

Dear [redacted] ***:> Thank you for your letter inquiry dated April 9, 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 December 15, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on September 17, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on January 19, The balance at the time of purchase was $ [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 MsDudley’s concern Midland Credit does not alter or modify any of the original account information provided by the seller, such as the name of the consumer, the date of origination, or the date of occurrence Midland Credit reports the information on the accounts it acquires based on the business records maintained by the original lender/seller The open date listed on [redacted] credit report is in fact the date of purchase by Midland Funding LLC In accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date being reported on this account reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.” She also states that the account should have fallen off her credit report as it was first placed in A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for the above-referenced account will expire in August Please note that this does not extinguish the debt; rather, it prevents the account from being reported to the credit reporting agencies The account will still remain collectible, due and owing to Midland Credit A review of Midland Credit’s business records indicate 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, [redacted] may qualify for a reduction in her account balance Please have [redacted] call Account Manager [redacted] at [redacted] to assist her in reaching a resolution 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] ***

Dear [redacted] ***: Roman';"> Thank you for your letter inquiry dated April 30, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on December 28, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on July 10, as a [redacted] account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on January 30, The balance at the time of purchase was $ A review of Midland Credit’s business records indicates that shortly after Midland Funding acquired the above-referenced account, on March 24, 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 A review of Midland Credit’s business records indicate that it received the first correspondence requesting validation from [redacted] on January 6, 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 In response to [redacted] ***’s dispute letter received January 6, 2014, although the request was not timely, verification information provided by the seller was mailed to [redacted] in response to her dispute on January 24, A copy of the verification information provided by the seller and previously mailed to [redacted] is enclosed [redacted] expresses a concern that the above-referenced account is missing information when she views her credit report 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 If [redacted] obtained her credit report directly from the credit reporting agencies and information appears to be missing, Midland Credit requests she provide it with copies of the reports so it may conduct further investigationA review of Midland Credit’s business records indicate that it is accurately reporting the above-referenced account to the three major credit reporting agencies If [redacted] is ready to settle this debt, she may qualify for a reduction in her account balance Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] to help settle this account balanceIn the meantime, per [redacted] ***’s request, the above-referenced account has been marked “Direct Mail Only.” While it remains due and owing, [redacted] will no longer receive phone calls from Midland Credit representatives and all correspondence will be sent via the United States Postal Service Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact our Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Senior Corporate Counsel, Legal Affairs and Compliance *Admitted in Minnesota, North Dakota, South Dakota and Wisconsin, Not Admitted 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 belowI receive the letter today about my complaint from Revdex.com I m understanding they have to leave the late payment from the Midland Credit company- on my credit until The want me to pay a minimum of a month, which I had a prior agreement of a month until I told them I was working something out with the (Revdex.com) in which I didn’t tell them who? Now they don’t want to work with me for a lesser payment [redacted] Security ***@ [redacted]

Dear Ms***: Thank you for your follletter inquiry dated June 3, 2014, regarding Ms [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 April 7, Ms [redacted] expresses concern that Midland Credit has made inconsistent statements in its previous responses Please note, when Midland Credit stated it had not received any correspondence from Ms [redacted] it was referring to written correspondence pursuant to the Fair Debt Collection Practices Act (“FDCPA”) specifically for the purpose of disputing the debt or requesting validation U.S.C§ et seq Please note, written correspondence pursuant to the FDCPA differs from any oral communications which occurred over the telephone Ms [redacted] continues to allege that a Midland Credit representative stated the above-referenced debt would be placed back on her credit report Midland Credit maintains its position in that its investigation found no violation of company policy, and that the employee in question acted appropriately pursuant to applicable law Ms [redacted] also expresses concern as to how Midland Credit determined the employee in question in its investigation Please note, as Ms [redacted] did not provide the name of the employee or the date of the conversation in question, Midland Credit based its investigation on Ms [redacted] ’s description of the conversationMidland Credit’s representatives are trained to keep detailed notes regarding their conversations with consumers, and such notes are reflected in Ms [redacted] ’s account file Ms [redacted] also continues to question why the current balance is much higher than the balance at the time of charge-off Midland Credit maintains its position that based on the information provided by the seller, [redacted] Bank (USA), N.A., the account was charged-off with a balance of $6, After charge-off and prior to the account being sold to Midland Funding, the original creditor continued to add interest The balance at time of purchase of $11,is the charge-off balance plus interest added by the original creditor That said, to date Midland Credit has received payments totaling $4,leaving a remaining balance owed of $6,as of June 16, Please note, a review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for the above-referenced account expired in June This does not extinguish the debt Rather, it prevents the account from being reported to the credit reporting agencies The account will still remain collectible, due and owing to Midland Credit The account will also remain marked “Cease and Desist,” and you will continue to no longer receive contact from Midland Credit representatives unless a response is required by law 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 [redacted] Thank you again for your assistance in this matter Please contact our Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] Thank you for your letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 22, 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 is the servicer of the two accounts belonging to [redacted] Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on December 6, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on June 26, 2008, as an [redacted] general consumer loan 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 6, The balance at the time of purchase was $1, Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on January 29, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on August 19, 2010, 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 January 11, The balance at the time of purchase was $ [redacted] expresses a concern that there are two accounts listed on his credit report that are beyond the legal reporting age A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period does not expire until June for account no [redacted] and July for account no [redacted] Please note that this does not extinguish the debt Rather, it prevents the accounts from being reported to the credit reporting agencies The accounts will remain collectible, due and owing to Midland Credit [redacted] also expresses a concern that the accounts were previously removed from his credit report; however, Midland Credit has subsequently begun reporting the accounts While Midland Credit is sensitive to [redacted] ’s concern, Midland Credit’s business records reflect that it has been reporting the accounts since they were purchased, and the federal reporting period for the accounts has not yet expired Midland Credit is accurately reporting the above-referenced accounts to the three major credit reporting agencies With that said, if [redacted] is ready to resolve the above-referenced debts, [redacted] may qualify for a reduction in his account balances Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] to assist him 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

Dear [redacted] Roman">Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received June 3, 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 September 8, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on June 16, 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 February 26, The balance at the time of purchase was $ Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on December 15, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on August 4, 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 January 31, The balance at the time of purchase was $ [redacted] expresses a concern that Midland Credit ignored a validation request she sent regarding the accounts on March 27, Midland Credit sent [redacted] separate and unique validation letters – on October 10, for account no [redacted] , and on December 24, 2010, for account no [redacted] These letters informed her that Midland Funding had acquired the accounts, and provided the required disclosure of rights set forth in 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§ 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 [redacted] and collect the debts Midland Credit’s business records indicate that on or about March 30, 2015, it did receive the correspondence referenced by [redacted] in her complaint Based on the information [redacted] provided and pursuant to the [redacted] Finance Code, Midland Credit responded by sending her separate letters for each of the above-referenced accounts on or about April 10, These letters advised her that Midland Credit had determined that its credit files and credit reporting of the above-referenced accounts were accurateThe verification information provided by the seller for account no [redacted] had previously been mailed to [redacted] on or about February 9, 2015, in response to a notice of possible dispute Midland Credit received from the credit reporting agencies Another copy is enclosed with this response With that said, in keeping with its Consumer-First policy, Midland Credit has made the business decision to delete its tradelines from [redacted] consumer credit files regarding the above-referenced accounts The three credit-reporting agencies have been accordingly notified to delete Midland Credit’s references to the two collection accounts in question Please note this does not render the debts invalid, rather it only signifies that Midland Credit will no longer report the accounts to the credit bureaus Per [redacted] previous request, the above-referenced accounts will remain marked “Cease and Desist.” While they remain due and owing, [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law If [redacted] should decide she wishes to resolve the above-referenced debts, she may qualify for a reduction in her account balances At that point, she may 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

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 belowI have made several attempt to resolve this matter and midland credit management refuse to acknowledge my previous agreement of $3,115.12of which I owe $$ Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below The company violated my rights by inserting the disputed account on my credit report before proper validation was providedI ask that all information is deleted promptly, for it is improperly entered while under disputeIn addition a letter was sent to Midland certified mail to send validation to the correct address and allow days to validate Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I have proof from me [redacted] credit report that I received from [redacted] on 1/16/It shows Midland Credit opened account on 12/with revolving month credit historyI have provided screenshots from my 3in [redacted] credit report that also shows [redacted] and [redacted] Also Midland funding has never verified the debt and has ignored my letters to verifyThis debt has ran the statue of limitations of [redacted] state For some reason I am getting an error when I attach the screenshot, Please tell me how I can get them uploaded Regards, [redacted] ***

Dear [redacted] ***: Thank you for your letter inquiry dated July 14, 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 November 30, 2011, 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 July 9, The balance at the time of purchase was $ The seller has indicated that the above-referenced account has two original account numbers for identification purposes Both account numbers appear in the system The last four digits of the additional identifying account number are *** Midland Credit received representations and warranties from the seller that the information provided is accurate [redacted] expresses a concern that his validation requests have been ignored On August 21, 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 A review of Midland Credit’s business records indicate that it received the first written correspondence requesting validation from [redacted] on May 13, 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 Midland Credit received [redacted] ’s correspondence on May 13, 2014, as mentioned above Although the request was not timely, verification information provided by the seller was mailed to [redacted] in response to his dispute A copy of the verification information provided by the seller is enclosed As described in the complaint, [redacted] questions the alleged conduct of certain Midland Credit employees Please note that the alleged conduct described by [redacted] was investigated Midland Credit has determined that no violation of company policy occurred, and its representatives acted appropriately pursuant to applicable lawThe representative was unable to speak to [redacted] regarding the account details as he had previously claimed to be speaking to his lawyerUpon receiving the information that consumers may be represented by counsel, representatives are not able to release information to the consumer [redacted] also writes that he contacted Midland Credit and provided a case number for the report filed with a police departmentMidland Credit stands ready to assist [redacted] in clearing his record if he has been a victim of identity theft or fraud, however, a copy of the actual police report filed is neededMidland Credit respectfully requests that [redacted] provide it with a copy of either a police report or an 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 [redacted] may forward appropriate documentation to Consumer Support Services at the address on this letterhead Until it receives such documentation substantiating [redacted] ’s claim, based on the information available to it, Midland Credit must respectfully conclude that it is accurately reporting the account to the three major credit reporting agencies Please assure [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact our Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure