Midland Credit Management

Dear [redacted] Thank you for your foll letter inquiry dated May 6, 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 Please note that Midland Credit provided all relevant account identifying information in its previous response letter to your office, dated April 23, In her follow-up, [redacted] indicates that she is satisfied with Midland Credit’s resolution of the account, and has questions regarding future status Midland Credit is pleased that it was able to assist [redacted] in reaching a resolution which settled the balance for the above-referenced account Please note that [redacted] has no further financial obligation to the account The account has been marked as “Account paid in full, was a collection account” in Midland Credit’s system There will be no further collection activity or sale of this account In addition, the three credit-reporting agencies were notified to delete all reference to the account in question from [redacted] ’s consumer credit files Thank you again for your assistance in this matter Please contact our Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] 12pt;"> Thank you for your letter inquiry dated April 29, 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 October 25, Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on November 15, 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 September 30, The balance at the time of purchase was $ The balance due as of May 9, 2014, including interest accrued, is $ [redacted] indicates that they are not aware of the above-referenced debt, and requests validation A review of Midland Credit’s business records indicates that shortly after Midland Funding acquired the above-referenced account, on October 29, 2010, Midland Credit mailed [redacted] a validation letter, which informed them that Midland Funding had acquired the account, and of their 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 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 A review of Midland Credit’s business records indicates that it is accurately reporting the account to the credit reporting agencies With that said, Midland Credit stands ready to assist [redacted] in clearing their record if they have 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 they 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 Please assure [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact our Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear Ms***: Thank you for your letter inquiry regarding Mr [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 19, 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 19, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on August 17, 2007, as a [redacted] (South Dakota), N.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 17, The balance at the time of purchase was $1, Final payment on the account was received on December 18, Mr [redacted] has no further financial obligation for this account Mr [redacted] writes that while he has resolved the balance for the above-referenced account, that the account has not been accurately updated to his consumer credit files, and that he has not received a letter indicating that the account has been paid On January 31, 2015, Midland Credit received an electronic inquiry from Mr [redacted] , requesting a paid letter and stating that the account is still reporting as unpaid on his credit report In response, Midland Credit mailed Mr [redacted] a letter confirming the paid status of his account on February 4, Midland Credit has notified the three major credit reporting agencies of the status of the account Please note that the credit reporting agencies have advised that they require to days to update to a consumer’s credit files A copy of the Universal Data Form showing Midland Credit’s most recent update to the credit reporting agencies for the above-referenced account is enclosed 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 ( [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

[redacted] Revdex.com of San Diego 0in 0in 0pt;">Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] Dear [redacted] Thank you for your letter inquiry dated September 23, 2014, regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer During a search for the correct consumer, [redacted] phone number was provided to Midland Credit representatives by a third party In reliance on that information, Midland Credit attempted to contact the consumer regarding the account A review of Midland Credit’s business records indicates that [redacted] phone number was marked “Do Not Call” in Midland Credit’s computer system for the referenced account on September 8, and the changes to its system took effect that same day [redacted] phone number has not been dialed since September 8, She will continue not receiving calls from Midland Credit representatives regarding the account Additionally, [redacted] 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 Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] lang="X-NONE">Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received October 7, 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 February 21, Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on September 11, as a [redacted] ***The [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 October 31, The balance at the time of purchase was $ [redacted] expresses a concern that the account was paid previously to [redacted] and that it was opened in her spouse’s name On March 3, 2012, Midland Credit mailed [redacted] a validation letter Please note that the letter was mailed to the same address listed within the consumer’s complaint via the United States Postal Service The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”) U.S.C§ In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (U.S.C§ 1692) 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 March 25, In response to [redacted] dispute, verification information provided by the seller was mailed to her on June 16, Please note that 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 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 Midland Credit’s reference to the collection account in question from [redacted] consumer credit files Please assure [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] : 0pt;"> Thank you for your letter inquiry dated August 19, 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 May 14, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on July 1, as a [redacted] ***/P [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 10, The balance at the time of purchase was $3, [redacted] expresses a concern that their validation requests have been ignoredA review of Midland Credit’s business records indicate that on July 29, 2012, Midland Credit mailed [redacted] a validation letter, which informed them that Midland Funding had acquired the account, and of their 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 A review of Midland Credit’s business records indicate that while it has received requests from the credit reporting agencies to verify the account information being reported, no correspondence was received directly from [redacted] prior to their complaint, 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 Lastly, Midland Credit’s business records indicate that shortly after receipt of [redacted] ’s complaint, on August 20, 2014, Midland Credit received correspondence from them which contained a notarized Identity Theft Affidavit After review, based on the information provided within the affidavit, and in accordance with Midland Credit’s Consumer-First policy, the above-referenced account was closed There will be no further collection activity or sale of the account In addition, the credit-reporting agencies will be notified to delete all reference to the above-referenced account from your consumer credit files [redacted] has no further obligation to 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] ***

Dear 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 because Attorney [redacted] never mentions a resolution Attorney [redacted] clearly indicates that Midland Credit Management has permissible purpose when they do not have permissible purposeI want the proof that they have permissible purpose Check your records, verify the last 4-digits of the social security number and I am 1000% confident that you will come back confirming that it is not ***; which is the last 4-digits of my social security number Attached you can see clearly that the Account Review section of my credit report has the permissible purpose reason listed as a "Collection" So if I do not have any collections on my personal credit history, and I do not have an account with Midland Credit or any of its clients that it may collect on under my social security number then I would appreciate knowing why the heck Midland Credit Management is appearing on my credit report for any reasonI spoke in extreme detail with [redacted] regarding this inquiry and they advised me clearly that I would have to have an account with a creditor that is in collections who has possibly assigned my account to Midland Credit Management in order for Midland Credit Management to appear like this on my credit reports So what I am saying clearly here to Attorney [redacted] , is tell me the reason why Midland Credit Management is on my credit report and show me the proof or at least confirm the last 4-digits of the social security number that Midland Credit Management is using to access my personal credit reports for this so-called "permissible purpose" reason is being allowed You cannot just write a novel reply and have no point of original with a resolution Therefore, I am challenging you and your client to check your records and verify the last 4-digits of the social security number that Midland Credit Mangagement is using that allows them permissible purpose for this "collection" inquiry that does not belong to me.I do not care what data [redacted] gave you, I do not care what the reasons why I see it there; I need you to show me proof as to the reasons that would allow Midland Credit Management to appear on my personal credit report when I do not have any collections and one way you can do this is just looking at your records and verifying the last 4-digits of the social security number that you are using to access my personal credit reports How hard is this?, and I do not feel I am asking for alot here considering this is my credit, my life I am talking about and I take it very seriously; and I am not easily intimidated by an attorney letter so believe me I am not standing down!!!! Show me the proof in your next reply, tell me the last 4-digits of the social security number in your records that allows the access to my credit report It's OK if you cannot tell it to me via this portal; but at least you will see it for yourself and no that you DO NOT HAVE THE PERMISSIBLE PURPOSE THAT YOU THINK YOU HAVE!!! Simply speaking Just verify the information Attorney [redacted] -- how hard is this of a request? From where I stand this is not difficult and in a court of law you would be asked to do the same thingSo please check your clients records and I guarantee you that my social security number ending in [redacted] is not in your record clients records and if it is for any reason; I have a right by law to know what the heck you are on my credit reports with permissible purpose labeled as a "collection".My fico scores are well over 790+ on all credit bureaus and I have never had a collection account in my entire life so answer the question as it is being addressed You wrote your page reply in detail Yes, but no where in your reply confirms, proves or allows Midland Credit Management to appear on my credit report with permissible purpose, and you gainly wrote without proof, or an acknowlegement that you would remove the inquiry nor can you show any permissible purpose so where do you get off writing pages that do not say anything as it so relates to the facts to prove permissible purpose or that you are accessing the correct consumer's personal credit reports????? That's my question If Midland Credit Management dig hard enough through their records they will NOT discover my social security number, they do not even know my date of birth so somewhere here you should be able to prove permissible purpose no matter what data was transmitted to you -- the information has to be verified!!! You have the wrong person and Midland Credit Management should not be showing on my credit report and I want the inquiry removed and that's the bottomline To aide you in your research, the last 4-digits of my social security number is [redacted] as mentionedNow would you please have your client confirm their records because they have to have a social security number in order to review or access my credit reports whether correct data was given or not Check your records and I guarantee you, your client Midland Credit Management DOES NOT HAVE MY SOCIAL SECURITY NUMBER ON FILE!!!!!!!!!!!!!!!!!!!!!!!Secondly, since you keep screaming that your client has not called me, I am attaching a copy of my cellphone; where I have taken a picture of my call log and you will clearly see that telephone # [redacted] has called me several times as of 03/11/ My home telephone # is [redacted] that's correct and this is not the number I said they called me onI reported these excessive telephone calls to the Revdex.com and advised them that the calls were coming in on my cellphone number; which I am not providing to you You continue to state that they did not call me, but a call log never lies Mr [redacted] (See it attached for yourself.) Now this is not a difficult situation to administer and remedy and I feel that you and Midland Credit Management are taking this matter lightly although you claim that you take Revdex.com complaints seriously; well I will gladly tell you what; this will not be the last letter you reply to because I am taking the matter further if you do not show me the proof that Midland Credit Management has my correct social security number on file that grants them access to my personal credit reports and if they do have my social security number on file I need to know why they are reviewing my credit history and I do not care about all the "why's and why's not" that are not accompanied with a direct answer! I need proof no matter how you twist it and I am not asking alot here Confirm the last 4-digits of the social security number that Midland Credit Management has on file that grants them permissible purpose If it matches my number; in which I know it will not; I need to know why you are attempting to collect on a "collection debt" when in actuality I do not have any collection accounts I need to know why you are on my credit report period!!!!!!!!!!!!!!! Please cease and resist from copying me by mail on any matters as they so relate to this Revdex.com Complaint I will only accept communication from you by Revdex.com portal sent as an attachment here at the Revdex.comI do not want junk mail please Send replies here for my records and do not directmail me anything!I am waiting on your replyRegards, [redacted]

Dear [redacted] lang="X-NONE">Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received November 4, 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 February 18, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on October 24, 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 5, The balance at the time of purchase was $ [redacted] expresses a concern that he has not received validation of this debt On February 28, 2014, 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 A review of Midland Credit’s business records indicates that it received the first notice of possible dispute from the credit reporting agencies regarding this account on January 27, In response, Midland Credit mailed [redacted] a copy of the verification information with a letter requesting more information regarding the basis of his dispute A copy of that documentation is again enclosed for his records [redacted] also questions whether Midland Credit is furnishing accurate account information as a “Factoring Company” on his consumer credit files A review of Midland Credit’s business records indicates that it is using the appropriate Metro code to describe itself as a “Debt Buyer” to the three major credit reporting agencies However, it has no control over the manner in which each credit reporting agency decides to display that information [redacted] is encouraged to communicate directly with the credit bureaus should he have any further concerns With that said, a review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate Additionally, [redacted] writes that when he contacted the original creditor, the representative advised him that there was no record of the above-referenced account Please note that it is not uncommon for a credit provider to archive an account once it has been sold Therefore, when contacted by [redacted] , the representative of the original credit provider may not have had access to the pertinent account information Per [redacted] ’s request to stop receiving mail, the above-referenced account has been marked “Cease and Desist.” While it remains due and owing, [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

January 12, 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] and [redacted] Dear [redacted] Thank you for your letter inquiry regarding [redacted] ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 8, Midland Credit appreciates the opportunity to answer your questions [redacted] filed similar complaints through the Consumer Financial Protection Bureau (“CFPB”) A copy of Midland Credit’s response to the CFPB is enclosed Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on April 2, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on December 30, 2006, 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 December 31, 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 April 2, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on January 3, 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, Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding on May 28, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on November 26, 2007, as a [redacted] account number ending in ***, in the name of [redacted] under the last four of the social security number *** Subsequently, the credit card account was charged-off as an unpaid delinquent-debt on June 21, The balance at the time of purchase was $ [redacted] writes that Midland Credit has refused to provide evidence that he owes money and requests for validation documentation Midland Credit sent separate and unique validation letters to [redacted] on April 27, for account nos [redacted] and [redacted] , and on June 6, for account no [redacted] In the letters, Midland Credit informed [redacted] 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 Midland Credit’s business records indicate that it received the first written correspondence from [redacted] on May 2, regarding the accounts 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.” Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt Based on the information [redacted] provided and pursuant to the [redacted] Finance Code, Midland Credit responded by sending [redacted] separate and unique response letters on June 4, advising him Midland Credit had determined that its credit file and credit reporting of the above-referenced account was accurate [redacted] also writes that writes that Midland Credit has re-aged the debts While Midland Credit is sensitive to his concern, it 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 the accounts reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.” The open date listed on [redacted] ***’s credit report is in fact the date of purchase by Midland Funding Lastly, [redacted] indicates that the accounts are past their statute of limitations, and requests that Midland Credit remove its tradeline from his consumer credit files A review of Midland Credit’s business records indicates that the statute of limitations expired on May 5, for account no [redacted] , on April 4, for account no [redacted] , and on December 23, for account no [redacted] However, please note that the passing of the statute of limitations does not extinguish the validity of the debtsRather, it eliminates litigation as a potential remedy Similar to the statute of limitations, the expiration of the seven-year Federal Reporting period also does not extinguish the debts It only prevents the accounts from being reported to the credit reporting agencies A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for the accounts does not expire until May for account no [redacted] , April for account no [redacted] , and December for account no [redacted] Please note that based on the information provided by the sellers, Midland Credit has determined that its credit file and credit reporting of the above-referenced accounts is accurate Midland Credit will be closing its investigation of [redacted] ***’s dispute and will be resuming regular collection activities as allowed by the [redacted] Finance Code and/or the Fair Credit Reporting Act If [redacted] is ready to settle the debts, he may qualify for a reduction in the account balances 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 balances In the meantime, per his previous request, the accounts will remain marked “Direct Mail Only.” While they remain 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

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, Inc (Midland Credit) stated that I have filed similar complaints with the Consumer Financial Protection Bureau (***)This information is correctI have filed complaints against Midland Credit because their records are not accurate and are reporting inaccurate information on my credit reportsThe reporting of this inaccurate information is damaging and has caused me monetary damage (i.e higher interest rates)I can assure you that I will continue to request that Midland Credit remove these inaccurate accounts from my credit reports and I will seek any available channel available to meI will seek any and all legal remedies as a last resort and the documentation provided by Midland Credit through the Revdex.com (Revdex.com) and the [redacted] will serve as solid evidence in such case Midland Credit claims that alleged account [redacted] had a balance of $1,at the time of purchaseHowever, Midland Credit has been reporting this account on my credit reports with a balance of $2,How is it that Midland Credit is reporting a balance on this alleged account that is almost $1,more than the said purchased amount? The Fair Debt Collection Practices Act (FDCPA) prohibits the misrepresentation of “the character, amount, or legal status of any debt.” In reference to alleged account [redacted] , Midland Credit claims that said account had a balance of $2,at the time of purchase Again as with account [redacted] Midland Credit is reporting inaccurate information on my credit reportsMidland Credit has been reporting this alleged account with a balance of $3,In addition, Midland Credit stated that a validation letter regarding this account was first received on or about June 19, Midland Credit’s response to that letter stated they were reporting accurate informationHowever, Midland Credit stated in the [redacted] complaint that they were unable to produce verification proof and have not been reporting this account on my credit reports as of lateMidland Credit has been reporting unverifiable information and an inaccurate amount to the credit reporting bureaus which are also violationsFor the record, a Midland Credit representative stated that the balance on this alleged account showed to be $3,at one point in time In regards to alleged account [redacted] , Midland Credit claims that the balance at the time of purchase was 1,However, documentation supplied by Midland Credit to the [redacted] shows that the alleged account had a balance of $1,This account’s amount is also being falsely misrepresented and inaccurately being reporting to the credit reporting agenciesAs per Sunga vRees Broome, P.C., U.SDistLEXIS (August 12, 2010), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the FDCPAFDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debtSee U.S.C§ 1692e Midland Credit claims that unique and separate validation letters were sent on or about October 29, for account [redacted] , on or about December 17, for account [redacted] , and on or about April 2, for account [redacted] I never received said validation lettersMidland Credit should take extra measures (i.ecertified mail & delivery confirmation) in their alleged validation efforts As per evidence presented above, Midland Credit has committed several violations under the FDCPAI request all references to these accounts be deleted from my credit reports and completely removed from my credit file Regards, [redacted]

Dear [redacted] ***:> Thank you for your letter inquiry dated June 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 [redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”) Given that Midland Credit’s response to the complaint from your office would be the same as the response which Midland Credit previously provided to the CFPB, a copy of that response is enclosed As stated in Midland Credit’s earlier response; An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on December 15, Information provided by the seller, [redacted] *** at the time of acquisition indicates this account was originated on February 23, 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 25, The balance at the time of purchase was $ [redacted] requests that the account be removed from his consumer credit files, believing the seven-year Federal Reporting Period has expired A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for the above-referenced account will not expire until August Please note that this does not extinguish the debt Rather, it will prevent the account from being reported to the credit reporting agencies The account will still remain collectible, due, and owing to Midland Credit A copy of the verification information provided by the seller is enclosed for his records Midland Credit is accurately reporting the account to the credit reporting agencies If [redacted] is ready to settle the above-referenced debt, he may qualify for a reduction in his account balance Please have him 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 Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact our Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

Dear [redacted] Thank you for your foll letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 13, Midland Credit appreciates the opportunity to answer your questions Based on the police report provided by [redacted] and in accordance with Midland Credit Management Inc.’s policy to react affirmatively to consumer issues, the above-referenced accounts have been closed There will be no further collection activity or sale of these accounts In addition all three credit-reporting agencies were notified to delete all reference to the accounts from her consumer credit files [redacted] has no obligation for these accounts Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questionsSincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] ***: New Roman', serif;">Thank you for your letter inquiry dated February 24, 2014, regarding [redacted] ’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions A review of Midland Credit’s business records indicates that [redacted] has retained an attorneyGoing forward, all communication about the matter should be handled by his attorney If [redacted] is no longer represented by an attorney, please have him provide Midland Credit with written notice so it may update its records and allow its representatives to communicate with him directly An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on September 8, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on November 20, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on March 20, 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 October 10, 2009, 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 [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 A copy of the verification information provided by the seller is enclosed for [redacted] ’s records With that said, [redacted] questions whether the above-referenced account may be reported on his consumer credit files, due to an order issued by the Federal Trade Commission (“FTC”), which he states applies to the credit reporting of the above-referenced account After reviewing both the account information, as well as a copy of FTC order 1:08-CV-1976-BBM-RGV, please note that while the FTC may have issued an order against the [redacted] and [redacted] providing restitution payments to certain defined consumers, it does not render all accounts ever issued by [redacted] invalid or unenforceable Part II of the FTC order provides that only affected accounts in which the restitution payments were greater than the balance due were to be removed from a consumer’s credit files Accounts in which a balance remained after an adjustment for restitution payments were allowed to be updated in the consumer’s credit files under the FTC order Please note that Midland Credit does stand ready to assist [redacted] in clearing his record if his account was specifically affected, and requests that he provide any documentation or evidence supporting the position that his specific account should be rendered invalid, such as proof indicating that [redacted] received restitution payments greater than the balance owed at the time [redacted] may forward the 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, the information provided by the issuer, Midland Credit must respectfully conclude that it was accurately reporting the account to the three major credit reporting agencies as required prior to receiving notice of a bankruptcy filing by [redacted] Midland Credit is not currently reporting [redacted] ’s 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 our Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 10, 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 July 18, Information provided by the seller, [redacted] *** at the time of acquisition indicates this account was originated on December 12, 2012, as a [redacted] *** account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on June 18, The balance at the time of purchase was $ [redacted] writes that the account has been reported to the credit reporting agencies although the letter sent to her advised that it would not be reported if payments were made within a specified timeframe Midland Credit acknowledges and wishes to thank [redacted] for consistently making payments as agreed upon Midland Credit has taken the steps required to have the account removed from [redacted] consumer credit files Copies of the requests sent to the credit reporting agencies are enclosed for her records Please note that it may take the credit reporting agencies thirty to forty five days to update the information in Ms [redacted] ’ consumer credit files Midland Credit encourages [redacted] to continue to work with her account manager, [redacted] *** to resolve the account [redacted] may reach [redacted] at [redacted] Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

January 20, 0in 0in 0pt"> VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received on January 6, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer During a search for the correct consumer, [redacted] phone number and address were provided to Midland Credit representatives by a third party In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account A review of business records indicates that no calls have been made by Midland Credit to [redacted] [redacted] , since March 14, The phone number was marked “Do Not Call” in Midland Credit’s computer system for the referenced account at that time [redacted] address has now been marked “Do Not Mail.” He will no longer receive calls or correspondence from Midland Credit representatives regarding the referenced account Additionally, his phone number has been added to an exclusion list to prevent it from being called in the future regarding the referenced account Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Thank you for your letter inquiry dated 'Times New Roman', serif;">July 1, 2014, regarding Mr [redacted] ’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions Mr [redacted] filed similar complaints through the Office of the Attorney General, State of Ohio (“AG”) and also through the Consumer Financial Protection Bureau (“CFPB”) Given that Midland Credit’s response to the complaint from your office would include the same information as the responses which Midland Credit previously provided to both the AG and CFPB, copies of those responses are enclosed As stated in Midland Credit’s earlier responses; Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”) on October 22, Information provided by the seller, Sherman Originator III, LLC, at the time of acquisition indicates this account was originated on January 11, as a [redacted] *** account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on September 17, The balance at the time of purchase was $ Final payment on the account was received on February 28, Mr [redacted] has no further financial obligation for this account Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding on December 27, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on May 1, as a GE Capital Retail Bank/ [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 8, The balance at the time of purchase was $ Final payment on the account was received on February 28, Mr [redacted] has no further financial obligation for this account Midland Credit became the servicer of account no [redacted] on behalf of purchaser, Midland Funding, on September 4, Information provided by the seller, Asset Acceptance, LLC, at the time of acquisition indicates this account was originated on August 23, as a [redacted] *** (USA), N.AMasterCard account number ending in ***, in the name of [redacted] E [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April 22, The balance at the time of purchase was $ The current balance due is $ Mr [redacted] states that when he paid the above-referenced accounts, a Midland Credit representative advised him they would be removed from his consumer credit files and marked paid in full Midland Credit has finished conducting its investigation regarding the alleged conduct of its employees, and has determined that no violation of company policy occurred, and its representatives acted appropriately pursuant to applicable policy With that said, while Midland Credit is pleased that it was able to assist Mr [redacted] in reaching a resolution which resolved the balances for the above-referenced accounts, 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 accounts [redacted] and [redacted] as “Account paid in full, was a collection account.” If Midland Credit were to delete the accounts, their correct and accurate status would not be reflected Aside from the above, in his CFPB submission, Mr [redacted] stated that all three accounts were paid Midland Credit advised Mr [redacted] that final payment has not been received for account no [redacted] However, if Mr [redacted] believes such is not the case, Midland Credit requests that he provide documentation or evidence which substantiates his claim He may forward the appropriate documentation to Consumer Support Services at the address on this letterhead Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Mr [redacted] Thank you again for your assistance in this matter Please contact our Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

November 18, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your follletter inquiry regarding [redacted] ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received on November 4, Midland Credit appreciates the opportunity to answer your questions [redacted] continues to allege that Midland Credit has not provided validation of debt As indicated in its previous response, Midland Credit mailed [redacted] an initial validation letter on November 12, That letter was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA Furthermore, Midland Credit did not receive any correspondence requesting validation from [redacted] in response to that letter As such, Midland Credit maintains its position that [redacted] ***’s request for validation documentation cannot be considered timely Because his request is not timely, Midland Credit is not required to provide [redacted] with validation information for this account Midland Credit’s business records continue to indicate that it is accurately reporting the above-referenced account to the three major credit reporting agencies The account will remain marked as “Cease and Desist.” While the account remains due and owing, [redacted] will continue to 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] ***

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.My consumer rights, as required by themail fcra, prohibit re-aging of an accountThe fcra requires that an account original debt reported by a collection agency must be days after first delinquency, not the date the collection agency aquired the accountTo list any other date than the one required is considered re-aging, (a)(5)The account was closed by bank of America on 2/2/9, as a credit card account thereally would be days delinquent before closing so 2/2/becomes the date midland could reportMidland is reporting the date as 2/25/This is blatant and irresponsible credit reporting, violating fcra guidelines and my consumer rightsMidland is subject to a dollar fine I will pursue for this violation This account should be removed from my equifax credit report or I will pursue further action on my behalf against midlandThank you and have a great weekPlease notemail midland has admitted to re-aging while claiming they do notI have attached supporting documentation Regards, [redacted] ***

I have tried to pay over half of my debt owed to them but they will not accept payment without proof of income

Dear [redacted] size="3">Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received September 19, 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 October 14, Information provided by the seller, [redacted] at the time of acquisition indicates this account originated on May 14, 2009, 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 29, The balance at the time of purchase was $ [redacted] states that he requested validation on multiple occasions but has not received a response On October 26, 2013, Midland Credit mailed [redacted] a validation letter Please note that the letter was mailed to the same address listed within the consumer’s complaint via the United States Postal Service The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”) U.S.C§ In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (U.S.C§ 1692) Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] on June 6, followed by a second request on July 12, In both instances, Midland Credit responded by sending a letter advising [redacted] that an investigation had been opened and the appropriate documents had been requested In addition, Midland Credit annotated the account as disputed, and ceased collection efforts while it was in the process of verifying the debt However, in keeping with its Consumer-First policy, Midland Credit made the business decision to close the account There will be no further collection activity, furnishing of account information to the credit bureaus, or sale of this account In addition, the three credit-reporting agencies have been notified to delete Midland Funding’s reference to the collection account in question from [redacted] ’s consumer credit files Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact 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