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Midland Credit Management Reviews (318)

Dear [redacted] justify;" class="MsoBodyText3">Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received November 18, 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 20, Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on June 26, 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 31, The balance at the time of purchase was $6, Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on October 27, Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on January 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 March 31, The balance at the time of purchase was $3, [redacted] expresses a concern that she has not been provided documentation regarding money that is owed Midland Credit mailed [redacted] separate and unique validation letters – on October 31, 2011, for account no [redacted] , and on December 6, 2011, for account no [redacted] These letters informed her that Midland Funding had acquired the accounts, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letters were mailed to [redacted] at the same address listed within her complaint, and were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any correspondence disputing the debts or requesting validation from [redacted] in response to the letters A review of Midland Credit’s business records indicates that it began receiving notices of possible dispute from the credit reporting agencies in January for both accountsPlease note Midland Credit appropriately responded to the notices of possible dispute with letters requesting further information regarding the basis of her dispute, as well as sending verification information provided by the seller On November 11, 2015, verification information was once again mailed to [redacted] regarding both accounts in response to email correspondence received November 5, from her Another copy of the documentation, for both accounts, is enclosed for [redacted] records Additionally, a review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate [redacted] states she has sent documentation numerous times regarding her claims the account was settled in However, a review of Midland Credit’s business records indicates it has not received such documentation Midland Credit stands ready to assist [redacted] in clearing her record if Midland Credit is somehow attempting to collect an account which was resolved prior to Midland Credit becoming the servicer, and requests that she provide documentation or evidence which substantiates Ms [redacted] claim [redacted] can contact Midland Credit online at [redacted] where she can email questions to a Consumer Support Services (CSS) specialist, find the answers to frequently asked questions, and upload documents to support her request Uploaded documents are automatically sent to a CSS specialist, who will investigate the consumer’s question and mail back a response Or [redacted] may forward appropriate documentation to CSS using the contact information on this letterhead Per [redacted] concerns that she has been harassed for two years, the above-referenced accounts have been marked “Cease and Desist.” While they remain due and owing, [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law 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 11, 2014, regarding [redacted] ***’ complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on May 14, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on February 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 May 27, The balance at the time of purchase was $6, [redacted] expresses concern that Midland Credit has continued to attempt to collect the above-referenced debt, even though he has provided proof of hardship A review of Midland Credit’s business records indicates that on February 24, 2014, Midland Credit received correspondence from [redacted] indicating that he has experienced medical hardship After reviewing [redacted] ***’ correspondence, on February 26, 2014, pursuant to Article of its Consumer Bill of Rights, Midland Credit suspended collection activity and marked the account “Cease and Desist.” While the debt remains valid, and Midland Credit will continue to accurately report the account, [redacted] has not received correspondence or calls from Midland Credit representatives regarding the above-referenced account since that time [redacted] will continue to not receive contact from Midland Credit representatives regarding the above-referenced account unless a response is required by law Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact our Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] Thank you for your letter inquiry dated October 8, 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 January 18, 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 31, The balance at the time of purchase was $5, While not the only item of concern identified within [redacted] ’s complaint, she claims Midland Credit representatives contacted her excessively Please assure [redacted] that Midland Credit has safeguards in place to ensure that its calls are being placed according to applicable law A review of Midland Credit’s business records indicates that Midland Credit did not call [redacted] more often than is allowable pursuant to applicable law [redacted] also expresses concern that Midland Credit representatives requested her to verify her Social Security Number It is Midland Credit’s policy to verify the consumer’s information on each call to ensure it does not disclose personal information to the wrong individual, as well as to protect the privacy of those with whom Midland Credit conducts business Aside from the above, [redacted] indicates she was not aware that Midland was attempting to collect on this debt prior to receiving a court notification However, on June 2, 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”) 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 did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C § 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt When a resolution was not reached, on February 3, 2013, this account was referred to Midland Credit’s Internal Legal Collections Department (“Internal Legal”) Their mailing address is PO Box 939033, San Diego, CA Their phone number is [redacted] A copy of the complaint has been forwarded to the firm Suit was filed on April 4, 2013, and judgment was subsequently awarded on September 13, [redacted] also writes that she has sent multiple notifications to Internal Legal Internal Legal advised that they received correspondence from [redacted] on May 1, 2013, offering to pay $per month on her account In response, a letter was sent to [redacted] requesting her to call Internal Legal to set up a payment plan On September 19, 2013, they received correspondence stating that the consumer was currently experiencing hardship, and offered to submit lowered payments Another letter was sent to [redacted] requesting that she call Internal Legal to set up a repayment plan When a resolution could not be reached, on January 8, 2014, an intent to garnish notice was sent to [redacted] She subsequently returned the notice to Internal Legal on January 29, 2014, along with a voluntary payment of $in an attempt to avoid the garnishment This was not a satisfactory amount to avoid garnishment, and the garnishment was filed on February 10, Further review indicates that on April 9, 2014, an Internal Legal representative attempted to call [redacted] in order to release the garnishment and establish payment plan Internal Legal could not reach her, and she did not return the call Lastly, [redacted] writes that she is experiencing hardship During a conversation with Internal Legal on September 25, 2014, she was advised that she had to provide documentation supporting her hardship The documentation was received on September 29, After review, Internal Legal agreed to modify her garnishment, lowering it to $per month The garnishment modification paper work was mailed to her on October 3, A copy is enclosed along with a copy of the judgment Midland Credit encourages [redacted] to continue to work with Internal Legal to assist in reaching a positive resolution [redacted] may reach Internal Legal at their contact information provided above In 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 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 9, 2014, regarding [redacted] ’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on May 14, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on April 14, 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 6, The balance at the time of purchase was $2, A review of Midland Credit’s busi***s records indicates that on May 15, 2012, this account was outsourced to [redacted] located at [redacted] *** Their telephone number is [redacted] The account was subsequently returned to Midland Credit on December 12, [redacted] expresses concern that the balance of the account has increased since being returned to Midland Credit Please note that the account was purchased from the seller with all rights Interest charged by the original creditor is allowable by law Likewise, any interest added by Midland Credit is permissible and was provided for in the contract with the original creditor when the account was purchased This information would also normally be included in the paperwork the consumer receives when the account is initially opened Midland Credit does not assess fees or interest to a consumer’s balance throughout the period of active repayment While the account was with ***, interest continued to accrue, however, was not being assessed to the account because [redacted] was on an active repayment plan The statements sent to [redacted] by [redacted] did not include the interest, only the balance remaining on the settlement When the account was returned to Midland Credit, the letter mailed to [redacted] included the full balance Please note that statements sent by Midland Credit differ from [redacted] in that the full balance is shown, even if interest is being deferred Once the settlement balance has been paid, the remaining balance is zeroed out With that said, while a balance remains, in keeping with its Consumer-First policy, Midland Credit has made the busi***s decision to accept the monies already paid as full and final settlement of the account [redacted] has no further financial 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 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] ***: class="MsoBodyText3">Thank you for your letter inquiry dated May 1, 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 although this response is not signed by [redacted] *** any subsequent correspondence should continue to be addressed to [redacted] An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer During a search for the correct consumer, [redacted] ***’s phone number was provided to Midland Credit representatives by a third party In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account Midland Credit had no information it was calling a wrong number for the consumer until receipt of the complaint through your office [redacted] ***’s phone number has been marked “Do Not Call” in Midland Credit’s computer system for the referenced account [redacted] will no longer receive calls from Midland Credit representatives regarding the referenced account Additionally, [redacted] ***’s telephone number ( [redacted] ) has been added to an exclusion list to prevent it from being called in the future Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact our Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Senior Corporate Counsel, Legal Affairs and Compliance *Admitted in Minnesota, North Dakota, South Dakota and Wisconsin, Not Admitted in California [redacted] ***

Dear [redacted] Thank you for your letter inquiry dated March 4, 2014, regarding [redacted] ’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received the same day via E-mail Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on May 14, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on March 31, 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 July 31, The balance at the time of purchase was $1, [redacted] states that he had an arrangement to make payments of $each to settle the account for $ Midland Credit’s business records indicate this agreement was made on April 21, [redacted] made all payments as agreed except the payment which was due in January Midland Credit is unable to determine why the January payment was delayed As the Midland Credit representative informed [redacted] , once a payment is received after the due date the arrangement becomes null and void 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 settle the account after the last payment received February 21, [redacted] has no further financial obligation for this account Midland Credit will report the above-referenced account to the three credit reporting agencies as “Account paid in full, was a collection account.” Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact our Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] ***: Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 5, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on November 27, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on May 24, 2010, 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 October 28, The balance at the time of purchase was $1, Please note that the attachment referenced by [redacted] was not included in the complaint as submitted by your office [redacted] expresses a concern that Midland Credit has not honored the payment arrangement to resolve the balance A review of Midland Credit’s business records indicates that [redacted] created an online payment plan on October 24, This payment plan was to pay a total of $1,in six payments, with a down payment of $and five additional payments of $196.00, due by the 24th of each month A letter confirming this payment plan was mailed to [redacted] that same day, and the first payment of the plan was applied, leaving a remaining balance of $ On November 13, 2014, [redacted] called Midland Credit to adjust the payment date for November to November 26, A letter confirming the updated arrangement for [redacted] ’s plan was mailed to her on November 14, 2014, which also listed the remaining balance owed and the five additional payments due in the plan [redacted] made four additional payments, on November 26, 2014, December 24, 2014, January 24, 2015, and February 24, Midland Credit acted in a timely manner and has complied with all applicable laws However, in keeping with its Consumer-First policy, Midland Credit will accept the payments made by [redacted] to resolve the balance on the account [redacted] has no further financial obligation for this account Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] *** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

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 belowFDCPA states that A debt collector may not collect any interest or fee not authorized by the agreement or by law As per MCM "Any interest added by Midland Credit is permissible and was provided for in the contract with the original creditor when the account was purchased This information would also normally be included in the paperwork the consumer receives when the account is initially opened" I have not received any such agreement from the original creditor, As per law the MCM is not authorized to collect interest unless it is authorized, I request MCM to provide a contract from original creditor stating that MCM is authorized to collect interest on this account MCM never mentioned till date that they have added 6% interest rate between June and December 2014, A [redacted] judge in Jones vMidland Funding, LLC, FSupp2d (DConn2010), granted summary judgment to Jones, holding that Midland violated Section 1692g(a)(1) where MCM never mentioned interest accrual As per MCM the alleged account was charged-off as an unpaid delinquent-debt on November 30, The balance at the time of purchase was $21,MCM has added interest at a rate of 6% between June and December MCM did not mention if the interest charged was simple or compounded, even if 6% compound interest is added to original balance of $21,for months including both June and December the total compounded interest should be $5,combined with principal total due would be $26,MCM has been reporting a balance of $26,against this account to all credit reporting agencies on my credit report As 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 As per evidence presented above MCM has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file Regards, [redacted]

January 6, 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 23, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on August 29, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on July 17, 1991, 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 March 6, The balance at the time of purchase was $3, [redacted] expresses a concern that there is an unknown account on his credit report On September 12, 2014, Midland Credit mailed [redacted] a validation letter Please note that the letter was mailed to the same address listed within the consumer’s complaint 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 August 21, In response to the dispute at that time, verification information provided by the seller was mailed to [redacted] ***A copy of that documentation is again enclosed for his records A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate A review of Midland Credit’s business records indicates that on June 28, 2015, this account was assigned to Midland Credit’s Internal Legal Department (“Internal Legal Department”) The Internal Legal Department indicates that in a hearing on November 19, 2015, a stipulation agreement was reached and a copy of the stipulation was mailed to [redacted] to sign and return to the Internal Legal Department [redacted] also requests a breakdown of how the balance was reached As stated above, this account was purchased from the seller with a balance of $3, Midland Credit has not added interest or fees to the balance of the account Midland Credit encourages [redacted] to work with the Internal Legal Department to assist in reaching a positive resolution [redacted] may reach the Internal Legal Department at PO Box 969050, San Diego, CA Their phone number is [redacted] Per [redacted] request to no longer receive phone calls, 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 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] lang="X-NONE">Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received April 3, 2015. Midland Credit appreciates the opportunity to answer your questions. A review of Midland Credit’s business records indicates that [redacted] has retained an attorney. Going forward, all communication about the matter should be handled by her attorney. If [redacted] is no longer represented by an attorney, please have her provide Midland Credit with written notice so it may update its records and allow its representatives to communicate with her directly. [redacted] expresses a concern that Midland Credit is continuing to collect on a [redacted] account on which a dismissal of judgment with prejudice was obtained. An investigation of this matter indicates that Midland Credit is the servicer of two [redacted] accounts belonging to [redacted] ***. Midland Credit became the servicer of account no. [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on March 29, 2013. Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on June 12, 2008, 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 April 8, 2011. The balance at the time of purchase was $767.72. A review of Midland Credit’s business records indicates that on October 6, 2013, this account was outsourced to the law firm of [redacted] ***. (“ [redacted] ***”) located at [redacted] ***. Their phone number is [redacted] . Midland Credit became the servicer of account no. [redacted] , on behalf of purchaser, Midland Funding, on May 25, 2012. Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on August 14, 2008, as a [redacted] account number ending in ***, in the name of [redacted] ***, under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on January 6, 2011. The balance at the time of purchase was $438.94. Midland Credit mailed [redacted] separate and unique validation letters – on April 10, 2013, for account no. [redacted] , and on June 4, 2012, for account no. [redacted] . These letters informed her that Midland Funding had acquired the accounts, and of her rights pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”). Please note that the letters were mailed to [redacted] at the same address listed within her complaint, and were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA. 15 U.S.C. § 1692. Per [redacted] ***’s concerns, Midland Credit has forwarded a copy of the complaint to [redacted] and inquired with them regarding the matter. The firm has indicated that the suit filed in the matter was dismissed with prejudice and that they ceased collection attempts upon notification of the dismissal. The account was returned to Midland Credit by the firm on March 24, 2015. There will be no further collection activity or sale of this account and [redacted] has no further obligation to it. The three major credit reporting agencies have been notified to remove the account from [redacted] ***’s consumer credit files. However, as indicated above, account no. [redacted] is a separate and unique [redacted] account relating to a [redacted] ***. A review of Midland Credit’s business records indicates that it is accurately reporting account no. [redacted] to the three major credit reporting agencies. If [redacted] is ready to resolve account no. [redacted] , she may qualify for a reduction in her account balance. [redacted] and/or her attorney may call Account Manager [redacted] at [redacted] to assist her in reaching a resolution of the account balance. In the meantime, per [redacted] ***’s request to no longer receive collection letters regarding the above-referenced accounts, account no. [redacted] remains closed and account no. [redacted] has been marked “Cease and Desist.” While account no. [redacted] 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] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I have noticed that Midland repeatedly reports on several of its responses that it complies with the FDCPA but it does not I have never received the verification they claim to have sent despite their claim to have done soIf, in fact, this information does exist, I would like to have a copy forwarded to meOtherwise, I would like to have the information removed from my credit file Regards, [redacted] ***

Dear [redacted] Thank you for your letter... inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received August 4, 2016. 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 8, 2013. Information provided by the seller, [redacted] , at the time of acquisition indicates this account was originated on February 7, 2001, as an [redacted] account number ending in ***, in the name of [redacted] **., under the last four of the social security number ***. The date of default was December 2, 2010. Subsequently, the account was charged-off as an unpaid delinquent-debt on June 30, 2011. The balance at the time of purchase was $4,094.56. Midland Credit sent [redacted] a validation letter on May 15, 2013. In the letter, Midland Credit informed him that Midland Funding had acquired the account, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”). The letter was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA. 15 U.S.C. § 1692. [redacted] expresses concern that the account has never been validated, and that Midland Credit failed to respond to his validation request received on June 23, 2016. Midland Credit’s business records indicate that in response to a notice of possible dispute from the credit reporting agencies, verification information provided by the seller was sent to [redacted] on June 8, 2016. Midland Credit’s business records also indicate that it received the referenced certified correspondence from [redacted] on June 23, 2016. Based on the information [redacted] provided and pursuant to the [redacted] Finance Code, Midland Credit responded by sending him a letter on July 7, 2016, advising that Midland Credit had determined that its credit file, and the information it is furnishing for the above-referenced account, was accurate. Please note that this response was mailed to the same address listed in [redacted] complaint. A copy of the verification information is again enclosed for his records. The verification information provided by the seller meets the requirements of the FDCPA. The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA. Based on the information provided by the seller, Midland Credit has determined that its credit file, and the information being furnished for the above-referenced account, is accurate. Midland Credit will be closing its investigation of [redacted] dispute and will be resuming regular collection activities as allowed by the [redacted] Finance Code and/or the Fair Credit Reporting Act. A review of Midland Credit’s business records indicates that on December 15, 2013, this account was placed with Midland Credit’s Internal Legal Department (“Internal Legal Department”). Please note that a judgment was obtained on December 3, 2014, a copy of which is enclosed. Midland Credit encourages [redacted] to work with the Internal Legal Department to assist in reaching a positive resolution. [redacted] may reach the Internal Legal Department at PO Box 939050, San Diego, CA 92193. Their phone number is [redacted] Per [redacted] previous request, the above-referenced account will remain marked “Direct Mail Only.” While it remains due and owing, [redacted] will continue to not receive phone calls from Midland Credit representatives and all correspondence will be sent via the United States Postal Service. Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted] . Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions. Sincerely, Midland Credit Management, Inc. [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

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 Midland Credit again makes no reference to the information provided in my previous rejection and has again changed their storyPrior, on multiple occasions, Midland stated that my information was reported correctly and now acknowledges it wasn'tMy Revdex.com complaints also were not submitted multiple times as they claimedI simply rebuked their now admittedly erroneous statementsAs is such, they are still reporting erroneous late payments and seem incapable, or unwilling, to resolve what they have now admitted to be an error As they have now admitted to providing statements in the past correspondence I have updated complaints also filed with the CFPB as well as State Attorney Generals office in California This is my last attempt to resolve this via the Revdex.com as I fear Midland is now stalling the process after admitting erroneous reporting and continuing to disregard the text of my rejectionsI accept no response except their deletion from my [redacted] report they have now admitted to tainting with informationIn one swift blow, at their whim, they dropped my score in excess of points with information simply because I disputed their reporting I will accept no resolution that doesn't involve them removing this account as they are unable to report it correctlyAnything to the contrary I will reject as they have shown to be acting in no good faith and making no attempts to remedy their errors Failure to do so will result in me advancing this cause further Regards, [redacted]

Dear [redacted] ***: 0in 0in 0pt;"> Thank you for your letter inquiry dated January 27, 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 three accounts belonging to you Midland Credit became the servicer of account [redacted] on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on July 9, Information provided by the seller, [redacted] **, at the time of acquisition indicates this account was originated on April 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 December 9, The balance at the time of purchase was $5, Midland Credit became the servicer of account [redacted] on behalf of purchaser, Midland Funding, on May 14, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on February 6, 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 18, The balance at the time of purchase was $5, Midland Credit became the servicer of account [redacted] on behalf of purchaser, Midland Funding, also on May 14, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on March 2, as a [redacted] account number ending in [redacted] in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on November 30, The balance at the time of purchase was $4, [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 accounts, Midland Credit mailed [redacted] separate but unique validation letters – on July 15, for account [redacted] , June 4, for account [redacted] , and June 13, for account [redacted] The 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”) Please note that the letters were mailed to [redacted] via the United States Postal Service, and were 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 letters A review of Midland Credit’s business records indicates the first correspondence Midland Credit received from [redacted] disputing any debt was dated November 12, 2013, for account [redacted] , 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 debts While the request was untimely, Midland Credit made the business decision to close the above-referenced accounts A letter of deletion was mailed to [redacted] in regards to account [redacted] on November 29, There will be no further collection activity, credit reporting or sale of these accounts In addition, the three credit-reporting agencies have been notified to delete all reference to the accounts in question from [redacted] ’ consumer credit files Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact our Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

June 27, 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 June 17, [redacted] subsequently submitted an additional message which was received by Midland Credit on June 21, 2016, wherein she expresses similar concerns This letter will serve to address both inquiries 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 November 24, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on May 31, 2012, as a [redacted] ***/ [redacted] 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 October 14, The balance at the time of purchase was $3, [redacted] states that Midland Credit agreed to remove the above-referenced account from all three credit bureaus once the debt was settled as agreed However, a review of Midland Credit’s business records do not indicate that Midland Credit advised [redacted] the account would be removed from her credit report once the account balance had been settled Midland Credit received final payment for the above-referenced account on June 17, Please note, the account is currently in the process of being updated as paid in Midland Credit’s records Once the account has been updated, Midland Credit will furnish information for the above-referenced account as “Account paid in full, was a collection account” with an additional memo “Account paid in full for less than the full balance.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

May 5, 2015 0pt"> VIA E-Mail [redacted] BBB of San Diego 5050 Murphy Canyon, Ste. 110 San Diego, CA 92123 Re: Consumer complaint of [redacted] BBB# [redacted] MCM# [redacted] Dear [redacted] Thank you for your letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received April 21, 2015. Midland Credit appreciates the opportunity to answer your questions. An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on August 26, 2014. Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on September 28, 2011, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on May 23, 2012. The balance at the time of purchase was $798.13. [redacted] expresses a concern that he has not received validation of the debt, which he believes is fraudulent and inaccurately reporting on his consumer credit files. On or about October 10, 2014, 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, 15 U.S.C. § 1692 et seq. (“FDCPA”). Please note that the letter was mailed to [redacted] at the same address listed within his complaint, and was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA. 15 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 on or about March 25, 2015, which cannot be considered timely. Midland Credit did not receive written correspondence directly from [redacted] prior to the complaint filed through your office, which also cannot be considered timely. The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 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 three major credit reporting agencies. With that said, Midland Credit stands ready to assist [redacted] in clearing his record if he has been a victim of identity theft or fraud. If such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a copy of either a police report or affidavit of fraud showing that he reported the fraudulent activity. Please note that an affidavit of fraud can be found at [redacted] If submitting an affidavit of fraud, [redacted] should complete the form and have the form notarized. He may forward appropriate documentation to Consumer Support Services at the address on this letterhead. In the meantime, per [redacted] ’s request, the above-referenced account has been marked “Cease and Desist.” While it remains due and owing, [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law. Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted] . Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions. Sincerely, Midland Credit Management, Inc. [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear*** ***:
Roman';"> 
Thank you for your letter inquiry dated August 13, 2014, regarding *** *** 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, 2012.  Information provided by the seller, *** *** *** ***, at the time of acquisition indicates this account was originated on November 14, 2007 as a ** *** *** account number ending in***, in the name of *** ***, under the last four of the social security number ***.  Subsequently, the account was charged-off as an unpaid delinquent-debt on May 4, 2009.  The balance at the time of purchase was $1,083.70. 
 
*** *** expresses a concern that she was not notified of the above-referenced account.  On June 6, 2012, Midland Credit mailed *** *** 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, 15 U.S.C. § 1692 et seq.  (“FDCPA”).  Please note that the letter was mailed to *** *** 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 *** *** in response to the letter.  In fact, no correspondence was received directly from *** *** 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 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.”  15 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 *** *** and collect the debt.
 
When a resolution could not be reached, a review of Midland Credit’s business records indicates that on May 4, 2014, this account was outsourced to the law firm of *** *** *** * *** *** ** *** *** *** *** ** ***.  Their phone number is *** ***.  Midland Credit encourages *** *** to work with *** *** *** * *** to assist in reaching a positive resolution.  *** *** may reach *** *** *** * *** at their contact information provided above.  Midland Credit has forwarded a copy of *** ***’s complaint to the firm.
 
Please assure *** *** 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 *** ***.
 
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at *** *** *** *** should you have any further questions.
 
Sincerely,
 
Midland Credit Management, Inc.
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
 
*** ***

They ignored my cease all contact request just like they did your original message to themAfter a friendly reminder, viola....they responded This is an unorganized company that has a history of not following the FDCPA which is why they've been sued by the federal governmentThey were fined $500,just months ago by the state of [redacted] for the same ridiculous behavior It seems they're up to their old ways I will contact my states attorney general, Please mark their file accordingly

Dear [redacted] ***: Thank you for your letter inquiry dated January 24, 2014, regarding [redacted] ’s complaint, which Midland Credit Management, Inc(hereinafter “Midland Credit”) received January 27, 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 two accounts belonging to [redacted] Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on November 24, Information provided by the seller, [redacted] and [redacted] at the time of acquisition indicates this account was originated on July 31, as a [redacted] credit card account number ending in ***, in the name of [redacted] under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on February 22, The balance at the time of purchase was $ Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding LLC (hereinafter “Midland Funding”), on May 17, Information provided by the seller, [redacted] , at the time of acquisition indicates this account was originated on November 23, as a [redacted] cellular 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 May 4, The balance at the time of purchase was $ [redacted] expresses a concern that his validation requests have been ignored A review of Midland Credit’s business records indicates that shortly after it acquired the above-referenced accounts, it mailed [redacted] separate and unique validation letters on December 2, for account no [redacted] , and May 22, for account no [redacted] These letters informed him that Midland Funding had acquired the accounts, and of his rights pursuant to the Fair Debt Collection Practices Act (U.S.C§ et seq.) (“FDCPA”) Please note that the letters were mailed to [redacted] via the United States Postal Service, and were 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 debts or requesting validation from [redacted] in response to the letters 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 of the letters, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debts A review of Midland Credit’s business records indicates that it is accurately reporting the above-referenced accounts to the three major credit reporting agencies as required If [redacted] is ready to settle the above-referenced debt, [redacted] may qualify for a reduction in his account balance Please have [redacted] call Account Manager [redacted] at [redacted] to assist him in reaching a resolution that will be both beneficial to him, as well as settle the account balance With that said, [redacted] writes he was previously a victim of fraud If [redacted] believes the above-referenced accounts are also the result of fraud, Midland Credit stands ready to assist [redacted] in clearing his recordIf such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a copy of either a police report or affidavit of fraud showing that he reported the fraudulent activity Please note that an affidavit of fraud can be found at [redacted] If submitting an affidavit of fraud, [redacted] should complete the form and have the form notarized He may forward appropriate documentation to Consumer Support Services at the address on this letterhead 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] ***

May 14, 0pt"> VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear [redacted] Thank you for your letter inquiry regarding [redacted] ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received May 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 December 28, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on July 3, 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 February 9, The balance at the time of purchase was $ [redacted] expresses concern that Midland Credit continued to call her after she requested that all calls cease, and communications only continue in writing A review of Midland Credit’s business records indicates that [redacted] spoke with Midland Credit representatives on February 22, 2014, and requested that she no longer be contacted by phone At that time, [redacted] ***’s phone number, [redacted] , was marked “Do Not Call” in Midland Credit’s computer system for the referenced account Midland Credit’s records indicate that there have not been any calls placed to that phone number since Often a consumer will speak to someone from one collection agency and then believe that any subsequent collection calls, even those from another collection company, are from the same company Since [redacted] ***’s complaint states that she is receiving calls in excess of those made by Midland Credit representatives, it appears that this may have happened to [redacted] *** [redacted] references that she filed a complaint last year, but did not receive a responsePlease note that while the complaint, as filed through your office, indicates that it was submitted by [redacted] on March 20, 2014, it was not submitted to Midland Credit until May 4, 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 Please note that it is Midland Credit’s policy to report all accounts accurately Should [redacted] pay the full balance, Midland Credit will report the account as “Account paid in full, was a collection account.” Should [redacted] pay less than the full balance, Midland Credit will report an additional memo stating “Account paid in full for less than the full balance.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected Per [redacted] ***’s previous request, the above-referenced account will remain marked “Direct Mail Only.” While it remains due and owing, [redacted] will continue to not receive phone calls from Midland Credit representatives and all correspondence will be sent via the United States Postal Service In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, [redacted] ***’s account has been referred to Account Manager [redacted] Please have [redacted] call [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] ***

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