Western Power Train Repair Ltd

Dear Ms***: Thank you for your letter inquiry regarding Mr***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received July 20, 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 25, Information provided by the seller, FIA Card Services, N.A., at the time of acquisition indicates this account was originated on July 25, as a Bank of America VISA account number ending in ***, in the name of [redacted] G ***, 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 $ Mr [redacted] expresses a concern that Midland Credit has re-aged the account by listing an open date that is later than the original While Midland Credit is sensitive to Mr***’s concern, Midland Credit does not alter or modify any of the original account information provided by the seller, such as the name of the consumer, the date of origination, or the date of occurrence Midland Credit reports the information on the accounts it services based on the business records maintained by the original lender/seller In accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date being reported on this account reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.” The open date listed on Mr***’s credit report is in fact the date of purchase by Midland Funding LLC 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 Mr [redacted] also expresses concern that the information reflecting on his consumer credit files differs between credit reporting agencies Midland Credit reports the same information to all three credit reporting agencies each time it reports If Mr [redacted] obtained his credit report from a compilation source, the information being reported may appear to vary The credit bureaus have advised that it appears this way because they do not directly populate the fields on credit reports pulled from any source other than directly from the credit bureau itself Mr [redacted] further questions the validity of the account On March 7, 2011, Midland Credit mailed Mr [redacted] a validation letter, which informed him that Midland Funding had acquired the account, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letter was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from Mr [redacted] in response to the letter In fact, no correspondence was received directly from Mr [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 Mr [redacted] and collect the debt Although Midland Credit did not receive any correspondence disputing the debt or requesting validation from Mr [redacted] prior to receipt of his complaint through your office, Midland Credit received notice of a possible dispute through the credit reporting agencies on June 23, Although the request was not timely, verification information provided by the seller was mailed to Mr [redacted] in response to the notice on or about July 14, A copy of the verification information is again enclosed here If Mr [redacted] is ready to resolve this debt, he may qualify for a reduction in his account balance Please have Mr [redacted] call Midland Credit Account Manager Denise Longtin at (800) 825-ext to assist him in reaching a resolution of the account balance Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Mr*** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-extshould 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 GJG: mrb Enclosure

Dear Ms [redacted] : Thank you for your letter inquiry regarding Mr [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received May 3, Midland Credit is the servicer of the above-referenced account on behalf of the current owner, Midland Funding, LLC (“Midland Funding”) Midland Credit appreciates the opportunity to answer your questions Mr [redacted] expresses a concern that he was not notified of this collection or given the right to dispute this debt On August 31, 2015, Midland Credit mailed Mr [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”) In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA Mr [redacted] states he has sent a letter requesting validation Midland Credit’s business records indicates that it began receiving notices of dispute from the credit reporting agencies on February 18, In response, Midland Credit mailed Mr [redacted] a copy of the verification information provided by the seller on March 8, 2017, to the same address listed within the consumer’s complaint Midland Credit subsequently received a faxed letter from Mr [redacted] on March 22, Please note, as verification information had been recently mailed to Mr [redacted] , it was not sent to him again at that time With that said, a copy of the verification information provided by the seller is once again enclosed for Mr [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 Midland Credit’s business records indicate that on November 8, 2015, this account was placed with Midland Credit’s Internal Legal Department (“Internal Legal Department”) The Internal Legal Department indicates that a judgment was issued on January 19, 2017, a copy of which is enclosed for Mr [redacted] records Midland Credit encourages Mr [redacted] to work with the Internal Legal Department to assist in reaching a positive resolution Mr [redacted] may reach the Internal Legal Department at PO Box 939050, San Diego, CA Their phone number is ###-###-#### 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 ###-###-#### should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Division Manager, Consumer Support Services [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 funding has not reached out to the credit bureaus as I have called all three and none of them have said that Midland funding requested the alleged [redacted] account to cease reportingFurthermore, the account still shows on the credit reports in my most recent copy as of a few days agoLastly, midland funding provided a so called certificate of service to the District Court for the [redacted] account yet the description of the person served isn't me proving I had no knowledge of this suit or any chance to defend myself for the fraudulent account To make matters worse they received a default judgement and my wages were garnished and shows satisfied in the court recordsYet 1,is being pursued on my credit report for an account that was never mine to begin withI've never had a credit card with [redacted] They aren't sending documents with signatures because they don't have anyI lived with my now year old son at Elton road yet the certificate of service states a woman years old 5'was servedI would have been at that time and I'm 5'Midland funding are a bunch of crooks with shady business practices that use fake accounts to get default judgementsI was never served and these accounts were not mine and they have yet to show signed proof their either had he right to be reported to the bureaus in the first place.Regards, [redacted] ***

Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received November 9, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on February 21, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on June 1, 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 10, The balance at the time of purchase was $3, [redacted] expresses a concern that Midland Funding is reporting unverified accounts on his consumer credit files, and he has not received records and documentation of the account On February 27, 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 written 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 or about February 14, Per [redacted] request for contact to cease and desist, Midland Credit was unable to respond to his request for validation at that time [redacted] also expresses a concern that he received a letter dated October 23, which did not include validation Upon receipt of [redacted] correspondence received October 20, 2015, regarding concerns on his credit report, Midland Credit appropriately responded with the October 23rd letter requesting more information and documentation regarding the basis of his dispute, as well as advising he would not receive further contact unless a response was required by law Upon receipt of [redacted] complaint, Midland Credit acknowledged [redacted] dispute, annotated the account as disputed, and has ceased collection efforts while it is in the process of verifying the debt Once Midland Credit has obtained verification of the debt, a copy will be mailed to your office Additionally, Midland Credit will not furnish account information to the three major credit reporting agencies until it is able to provide [redacted] with verification of the debt Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] Thank you for your follletter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 7, Midland Credit appreciates the opportunity to answer your questions [redacted] expresses concern about the account status and would like confirmation the debt will not be sold or placed on his credit report As indicated in its response to your office on December 31, 2015, the above-referenced account has been closed and the three credit reporting agencies were notified to remove Midland Credit’s reference to the account from [redacted] consumer credit files There will continue to be no collection activity on the account; the account will not be resold; and Midland Credit will not request that the account appear again on his credit report 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] ***

August 24, VIA E-MailRevdex.com of San Diego Re: Consumer complaint of [redacted] Q [redacted] Revdex.com #: [redacted] MCM #: [redacted] Dear Revdex.com: Thank you for your letter inquiry regarding Ms [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received July 26, On August 3, 2017, Midland Credit advised that it needed additional time to investigate Ms [redacted] ’s concerns, and has since completed its investigation Midland Credit is the servicer of the above-referenced account on behalf of the current owner, Midland Funding, LLC (“Midland Funding”) Midland Credit appreciates the opportunity to answer your questions Ms [redacted] expresses frustration that duplicate tradelines are appearing on her credit report While only the above referenced account was cited in her complaint, please note that an investigation of this matter indicates that Midland Credit is the servicer of three [redacted] accounts belonging to Ms [redacted] Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on November 24, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on January 6, 2013, as a [redacted] ***/ [redacted] Credit card, account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on October 20, The balance at the time of purchase was $4, Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on February 26, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on December 31, 2012, as a [redacted] ***/Walmart 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 April 17, The balance at the time of purchase was $ Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on March 30, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on December 17, 2012, as a [redacted] ***/ [redacted] credit card, account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on May 3, The balance at the time of purchase was $ Ms [redacted] writes that her requests for validation have gone unanswered Midland Credit mailed Ms [redacted] separate and unique validation letters – on February 29, 2016, for account no [redacted] , on March 17, 2016, for account no [redacted] , and on April 28, 2016, for account no [redacted] These letters informed her that Midland Funding had acquired the accounts, and of her rights under the Fair Debt Collection Practices Act (“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 did not receive any correspondence disputing the debts or requesting validation from Ms [redacted] in response to the letters A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation directly from Ms [redacted] via fax on July 17, 2017, with regard to account [redacted] In response, verification information provided by the seller was mailed to Ms [redacted] on July 24, Please note that the verification information meets the requirements of the FDCPA Midland Credit has subsequently received notices of dispute through the credit reporting agencies on July 26, for all of the above mentioned accounts This letter will also serve to address Ms [redacted] ’s concerns for those accounts, and a copy of the verification information provided by the seller is enclosed for her records Please note that during Midland Credit’s investigation period, it notified the credit reporting agencies to cease reflecting the collection tradelines on Ms [redacted] ’s consumer credit files, and has made the business decision not to request the respective tradelines for the accounts be reinstated Ms [redacted] also writes that an account is reporting as a personal record A review of Midland Credit’s business records indicates that on August 28, 2016, account [redacted] was placed with [redacted] *** (“ [redacted] ***”) [redacted] advised that suit was filed December 9, A judgment was obtained January 10, However, the account has been returned from [redacted] for further servicing with Midland Credit In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, Ms [redacted] ’s accounts have been referred to Account Manager [redacted] ***Please have Ms [redacted] call Ms [redacted] at (800) 825-ext [redacted] to assist her in reaching a resolution of the account balances Per Ms [redacted] ’s previous correspondence, the above-referenced accounts will remain marked “Cease and Desist.” While they remains due and owing, Ms [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by *** Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] ***, [redacted] Enclosure

Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received November 10, Midland Credit appreciates the opportunity to answer your questions [redacted] writes that she and her husband, [redacted] , have previously received phone calls for an individual that does not live with them, and were told by Midland Credit that they would not be contacted about the matter any further [redacted] further writes that she recently received a letter from Midland Credit addressed to her husband’s name, but has not had any dealings with the creditor listed, or Midland Credit An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer with the same name as [redacted] During a search for the correct consumer, the [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 The [redacted] phone number has previously been marked “Do Not Call” in Midland Credit’s computer system for the referenced account, and [redacted] address has been marked “Do Not Mail.” [redacted] will no longer receive calls or correspondence from Midland Credit representatives regarding the referenced account Additionally, the [redacted] phone number, [redacted] 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] ***

June 10, 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 1, 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 15, Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on October 9, 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 November 15, The balance at the time of purchase was $ [redacted] expresses a concern that the verification documentation that Midland Credit provided for the above-referenced account was not proper legal documentation and did not meet Fair Debt Collection Practices Act (“FDCPA”) requirements On December 22, 2010, 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 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 a notice of possible dispute from the credit reporting agencies on November 14, Upon receipt of the notice, Midland Credit mailed [redacted] a letter advising that it acknowledged her dispute, annotated the account as disputed, and enclosed a copy of the verification information provided by the seller for the referenced account Although verification information provided by the seller was mailed to [redacted] at that time, a copy of that documentation is again enclosed for her records Please note that 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 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] expresses an additional concern that Midland Credit misleads consumers and uses deceptive collection practices 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 If [redacted] is ready to resolve the above-referenced debt, [redacted] may qualify for a reduction in her account balance Please have [redacted] call Account Manager [redacted] at [redacted] to assist her in reaching a resolution of the account balance Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below If this was a serious matter then why were they on my credit reportI have not received a letter from this usurper until I disputed them on my credit reportI would like for this company to show my authorized signature of there alleged debtIf we can't resolve this I will file a complaint with the Bar Association and US District CourtI hope you take this threat serious and cannot wait for discovery Regards, [redacted]

Dear Ms***: Thank you for your follinquiry regarding Ms [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received August 3, Midland Credit is the servicer of the above-referenced accounts on behalf of the current owner, Midland Funding, LLC (“Midland Funding”) Midland Credit appreciates the opportunity to answer your questions Ms [redacted] continues to assert that she does not owe Midland Funding because she has no contract with Midland Funding As stated in its previous response, when a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books, and often sells the debt Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account The above-referenced accounts remain collectible, due and owing to Midland Credit as servicer for Midland Funding Ms [redacted] states that the documentation provided to validate the accounts is not sufficient The verification information provided by the seller for each of the above-referenced account was included with Midland Credit’s previous response to your office Please note that the verification information provided by the seller meets the requirements of the Fair Debt Collection Practices Act (“FDCPA”) The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA Midland Credit’s business records indicate that it is not currently furnishing information to the three major credit reporting agencies for account no [redacted] Additionally, a review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies for account nos [redacted] , and [redacted] is accurate Midland Credit encourages Ms [redacted] to work with Midland Credit’s Internal Legal Department (“Internal Legal Department”) to assist in reaching a positive resolution of account nos [redacted] and [redacted] Ms [redacted] may reach the Internal Legal Department at [redacted] [redacted] If Ms [redacted] is ready to resolve account nos[redacted] , and [redacted] , she may qualify for a reduction in her account balances Please have Ms [redacted] call Account Manager [redacted] to assist her in reaching a resolution of the account balances Per Ms [redacted] ’s previous request, the above-referenced accounts will remain marked “Cease and Desist.” While the accounts remain due and owing, Ms [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law Please assure Ms [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Division Manager, Consumer Support Services AR: kal

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below [The only message I see from the business is that it will take days for them to get up off their butts and do something that takes minutes over the phone This is a complete ploy by the company to avoid responding to the issue This is to remain open until such time they provide the request response in the initial complaint.] Regards, [redacted]

I have reviewed the response made by the business in reference to complaint ID [redacted] I will wait for the business to perform this action Regards, [redacted]

March 30, 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] and [redacted] Dear [redacted] ***: Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 16, 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] for which 1099-MISCs were issued Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on September 30, Information provided by the seller, [redacted] **, at the time of acquisition indicates this account was originated on July 8, as a [redacted] account number ending in ***, in the name of [redacted] **, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on June 27, The balance at the time of purchase was $ Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on October 15, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on November 21, as a [redacted] account number ending in ***, in the name of [redacted] **, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on June 30, The balance at the time of purchase was $1, Account information is not being furnished to the credit reporting agencies for the above-referenced accounts [redacted] has no further financial obligation for either account [redacted] indicates that he has contacted Midland Credit but has received no response Please note that upon receipt of [redacted] email, Midland Credit representatives began investigating his concerns However, due to the complexity of [redacted] issues the investigation required time Additionally, Midland Credit was not advised by [redacted] that he was no longer represented by an attorney until shortly before it received the complaint through your office Accordingly, Midland Credit was unable to communicate directly with [redacted] Midland Credit apologizes that it was not able to respond in as timely a manner as it normally would [redacted] expresses concern with the amounts reflected on the 1099-MISCs which Midland Credit sent him A review of Midland Credit’s business records indicates that [redacted] brought suit against it in for the above-referenced accounts The suits were settled for a total of $13, The 1099-MISCs which [redacted] received reflect a total amount of $13, It appears that [redacted] believes that the 1099-MISCs should reflect the amount of money he actually received [redacted] received a total of $5,out of the settlement amount [redacted] attorneys received the remainder However, the full amount of the settlement must be reported to the Internal Revenue Service (“IRS”), including any portion paid to [redacted] attorneys The MISCs issued to [redacted] do reflect the correct amounts Midland Credit is unable to report an amount other than what was actually paid Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 10, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of four accounts belonging to [redacted] however, only three of those accounts were mentioned in the complaint Account information for the fourth account is included for [redacted] information Midland Credit became the servicer of account number [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on July 20, Information provided by the seller, [redacted] ***at the time of acquisition indicates this account was originated on March 31, 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 19, The balance at the time of purchase was $ Midland Credit became the servicer of account number [redacted] , on behalf of purchaser, Midland Funding, LLC, on July 20, Information provided by the seller, [redacted] ***at the time of acquisition indicates this account was originated on November 4, 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 11, The balance at the time of purchase was $ Midland Credit became the servicer of account number [redacted] , on behalf of purchaser, Midland Funding, on July 20, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on May 17, 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 19, The balance at the time of purchase was $ Midland Credit became the servicer of account number [redacted] on behalf of purchaser, Midland Funding, on May 28, There was no reference to this particular account in [redacted] complaintWith that said, information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on June 15, 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 $ [redacted] expresses a concern that her requests for validation have been ignored Midland Credit mailed [redacted] separate and unique validation letters – on August 10, 2015, for account numbers [redacted] , [redacted] These letters informed her that Midland Funding had acquired the accounts, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”)The letters were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it received three pieces of correspondence from you, in January 2016, requesting validation of account numbers [redacted] , [redacted] Based on the information [redacted] provided and pursuant to the [redacted] Finance Code, Midland Credit responded by sending [redacted] letters for each account on February 3, 2016, advising her Midland Credit had determined that its credit file, and the information it is furnishing for each of the above-referenced accounts, was accurate Upon receipt of [redacted] ’s subsequent dispute, regarding account numbers [redacted] , [redacted] , Midland Credit acknowledged [redacted] ’s dispute, annotated the accounts as disputed, and has ceased collection efforts while it is in the process of verifying the debts Please note that Midland Credit requires additional time to fully investigate the matter and provide the information requestedOnce Midland Credit has obtained verification of the debts, copies will be mailed to your office Additionally, Midland Credit is not furnishing account information to the three major credit reporting agencies, in fact the trade lines for the account numbers referenced in the complaint were deleted on February 29, 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:Thank you for your letter inquiry regarding Ms [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received July 24, Midland Credit is the servicer of the above-referenced account on behalf of the current owner, Midland Funding, LLC (“Midland Funding”) Midland Credit appreciates the opportunity to answer your questions.Ms [redacted] expresses a concern that she was unable to make a payment on her account In a previous communication with our company, Ms [redacted] requested Midland Credit not communicate with her by phone or by mail regarding collection of the above-referenced account As such, the account was marked “Cease and Desist.” Midland Credit was unable to discuss the account with Ms [redacted] unless a response was required by lawWith that said, on July 31, 2017, Midland Credit received an email from Ms [redacted] requesting the “Cease and Desist” be removed from the above-referenced account Midland Credit’s business records further indicate that on July 31, 2017, Ms [redacted] spoke with a Midland Credit account manager to set up a new payment arrangement to resolve the account balance Final payment on the account was received by Midland Credit on July 31, Ms [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 Ms [redacted] .Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions.Sincerely, Midland Credit Management, Inc[redacted] ***Division Manager, Consumer Support Services [redacted] **

8-29-I spoke with [redacted] at Midland and asked her why they haven't cleared my case with the court as per civil section 724.050, she said that didn't apply to them and their policy is daysI asked her if she could check with handling attorney, and see when it would be cleared and she hung up on meUnable to get a straight answer out of anyone there

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved I still think times in days is excessive They called me by my married name which I never use, so I know it was a bogus call to begin with I disagree completely with the company's characterization of what went on, and note they have already been found guilty of other telephone misuse and fined accordingly None the less, all I can do at this point is be glad I can plug in my phone again Regards, [redacted]

Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received September 26, Midland Credit appreciates the opportunity to answer your questions [redacted] expresses a concern that she made a payment to resolve the balance of an account, and the account shows that there is a balance remaining [redacted] indicates that this is the second time she has had this experience An investigation of this matter indicates that Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on October 28, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on August 26, 2013, as a [redacted] credit card account number ending in 1754, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on November 16, The balance at the time of purchase was $ A review of Midland Credit’s business records indicates that [redacted] made a payment via credit card on May 13, A letter was sent to [redacted] on May 16, 2016, advising that her payment had been received and that she has no further financial obligation for the account Midland Credit received subsequent communication from [redacted] ***, and a letter was sent to her on June 24, 2016, again advising that she has no further financial obligation A review of Midland Credit’s business records indicates that it is accurately furnishing information for the above-referenced account as “Account paid in full, was a collection account” with an additional memo “Account paid in full for less than the full balance.” Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on October 2, Information provided by the seller, [redacted] Bank, at the time of acquisition indicates this account was originated on October 9, 2013, as a [redacted] account number ending in 6282, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on November 24, The balance at the time of purchase was $ A copy of the verification information provided by the seller is enclosed for your records [redacted] states that she made a payment of $on June 30, to resolve the balance, but that the account is still showing a balance of $ A review of Midland Credit’s business records indicates that on June 30, 2016, [redacted] agreed to pay $via electronic check to resolve the balance of account no [redacted] A letter was sent to [redacted] on July 1, 2016, confirming the payment arrangement Midland Credit subsequently received notice that the payment did not go through due to an invalid routing number A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate [redacted] indicates that she has disputed through Midland Credit’s website on multiple occasions A review of Midland Credit’s business records indicates that it received four inquiries from [redacted] regarding account no [redacted] Upon receipt of the inquiries, a Midland Credit account manager attempted to reach out to [redacted] ***, however was unable to reach her If [redacted] would like to resolve the balance for account no [redacted] , she may qualify for a reduction in her account balance Please have [redacted] call Account Manager [redacted] at [redacted] to assist her in reaching a resolution of the account balance Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

Dear [redacted] 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

Thank you for your letter inquiry regarding Mr [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received May 20, 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 17, Information provided by the seller, [redacted] (USA), N.A., at the time of acquisition indicates this account was originated on May 9, as a [redacted] (USA), N.A(“ [redacted] ***”) [redacted] account number ending in [redacted] in the name of [redacted] M [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on May 6, The balance at the time of purchase was $ Mr [redacted] states that he settled an account ending in [redacted] with [redacted] in Please note, as previously stated, the above-referenced account originated on May 9, with [redacted] *** Also please note, the account number that Mr [redacted] provided does not match the original account number associated with this account Midland Credit sent Mr [redacted] a validation letter on October 1, In the letter, Midland Credit informed him that Midland Funding had acquired the account, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letter was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it received the first correspondence from Mr [redacted] on May 20, Upon receipt of Mr [redacted] ’s correspondence, Midland Credit acknowledged Mr [redacted] ’s dispute, annotated the account as disputed, and ceased collection efforts while verifying the debt Pursuant to the Texas Finance Code, Midland Credit responded by sending him a letter on May 27, 2016, advising him that Midland Credit needs more time while it is in the process of verifying the debt Midland Credit has since obtained verification information from the seller A copy of the verification information is enclosed Please note that 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 Mr [redacted] ’s dispute and will be resuming regular collection activities as allowed by the Texas Finance Code and/or the Fair Credit Reporting Act If Mr [redacted] is ready to resolve the above-referenced debt, he may qualify for a reduction in his account balance Please have Mr [redacted] call Midland Credit Account Manager [redacted] at (800) 825-ext*** Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Mr [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure