Western Power Train Repair Ltd

Dear Ms***:Thank you for your letter inquiry regarding Ms [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received August 14, 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 21, *** Information provided by the seller, [redacted] *II, LLC, at the [redacted] ***, N.A [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on October 28, *** The balance at the time of purchase was $580.44.Based on the Identity Theft Affidavit provided by Ms [redacted] on August 15, 2017, and in accordance with Midland Credit’s policy to react affirmatively to consumer issues, the account has been closed There will be no further collection activity or sale of this account In addition all three credit-reporting agencies were notified to delete Midland Funding’s reference to this collection account from her consumer credit files Ms [redacted] has no obligation for this account A copy of the request sent to the credit reporting agencies is enclosed for Ms [redacted] records.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 ServicesAR: ***Enclosure

October 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 October 17, 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 January 29, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on October 27, 2010, 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 2, The balance at the time of purchase was $1, Final payment on the account was received by Midland Credit on March 12, [redacted] has no further financial obligation for this account [redacted] alleges that Midland Credit agreed to remove the debt from his credit report when he paid it off in fullAt the time of [redacted] ’s final payment, it was not Midland Credit’s policy to remove paid accounts upon receipt of paymentHowever, in keeping with its Consumer-First approach, Midland Credit recently updated its policy regarding paid tradelines where the date of delinquency is over two years old The three major credit reporting agencies have been notified to remove the collection tradeline [redacted] continues to have no further financial obligation for this account In addition, [redacted] requests that [redacted] remove its tradeline as wellMidland Credit has no control of what information [redacted] furnishes to the credit reporting agencies If [redacted] has concerns regarding the information being reported by the original creditor, he may dispute it directly with the credit reporting agencies Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear Ms. ***: Thank you for your follow-up letter inquiry regarding Mr. [redacted] ’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received August 18, 2015. Midland Credit appreciates the opportunity to answer your questions. Midland Credit provided all of the account identifying information in its previous letter response to your office dated July 13, 2015. Mr. [redacted] now requests an explanation of the current balance on the account. 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. Accordingly, Mr. [redacted] ’s account has accrued interest at a rate of 6% between the time the account was purchased in June 2011 and December 2014, at which time Midland Credit made the business decision to stop doing so. As evidenced in the verification information previously provided to Mr. [redacted] , and enclosed here again, the interest rate charged by the original creditor prior to charge-off was 14.99% Based on the above, Midland Credit must respectfully conclude that it is accurately reporting the account to the three major credit reporting agencies. However, per Mr. [redacted] ’s request to cease collection activity, the above-referenced account has been marked “Cease and Desist.” While it remains due and owing, Mr. [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 Mr. [redacted] . Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions. Sincerely, Midland Credit Management, Inc. [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

December 7,
VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** ***
Revdex.com#
***
MCM# ***
Dear *** ***
Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received November 23, 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 October 23, 2015. Information provided by the seller, *** *** *** ***, at the time of acquisition indicates this account was originated on February 1, 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 September 7, 2015. The balance at the time of purchase was $1,652.24.
*** *** expresses a concern that she has been receiving repeated calls from Midland Credit representatives. She states she received multiple calls back the same day after she had hung up on the Midland Credit representative. She also states that the representative she spoke with did not ask for identifying information before disclosing account information. Midland Credit fully respects consumers’ rights and privacy and has established policies and procedures designed to protect those rightsMidland Credit has conducted its investigation regarding the alleged conduct of its employees, and has handled it appropriately
With that said, in keeping with its Consumer-First policy, Midland Credit made the business decision to close the account. There will be no further collection activity or sale of this account.
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
*** ***

September 21,
VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** * ***
Revdex.com# ***
MCM# ***
Dear*** ***
Thank you for your follow up letter inquiry regarding *** ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received September 15, 2016. Midland Credit appreciates the opportunity to answer your questions. Midland Credit provided all of the account identifying information in its previous letter response to your office dated September 14,
*** *** continues to express a concern that he was advised that the collection account would be removed from his credit report after it was paid. In response to *** ***’s continued inquiry, a Midland Credit representative reached out to him regarding his concerns on September 16, 2016. In keeping with its Consumer-First policy, Midland Credit made the business decision to remove the collection tradeline from his consumer credit files. The three credit-reporting agencies have been notified of this request
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
*** ***

Dear Ms***:
Thank you for
your letter inquiry regarding Ms*** complaint, which
Midland Credit Management, Inc(“Midland Credit”) received April
24, Midland
Credit is the servicer of the above-referenced account on behalf of the current
owner, Midland Funding, LLCMidland Credit appreciates the opportunity to
answer your questions
Ms*** states that
Midland Credit is collecting on a debt over seven years old. Please note that while the account was opened
June 23, 2008, and charged-off March 31, 2010, Midland Credit acquired the
account on May 14,
On June 8, 2014,
this account was placed with Midland Credit’s Internal Legal Department (“Internal
Legal Department”). The Internal Legal
Department’s business records indicate that an initial notice was mailed on
June 11, 2014. Suit was filed on April
29, 2015, and Ms*** was served on June 13, 2015. Judgment was issued on December 8, 2015.
On March 15, 2017, Ms
*** agreed to resolve the balance, and payment was shortly remitted and
posted to the account. The Internal
Legal Department’s records indicate that Ms*** was advised that once the
account was paid, a request for the garnishment to be released would be done
within 1-days from payment. The
representative also advised that the garnishment could still occur, and any
funds taken would be refunded
Due to an administrative
oversight, a request to terminate the garnishment was not submitted upon
receipt of the payment. A garnishment
release has been faxed to the Santa Clara County Sheriff, and the Internal
Legal Department confirmed that the request had been received. Ms*** may contact the Santa Clara County
Sheriff for information about the status of her funds to be refunded, as the
funds have not been sent to the Internal Legal Department
Ms*** has no further
financial obligation for the above referenced account. Midland Credit considers consumer complaints
a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the
inconvenience caused to Ms***Please contact
Midland Credit’s Consumer Support Services team at (800) 825-ext***
should you have any further questions
Sincerely,
Midland Credit
Management, Inc
*** ***
Division Manager, Consumer Support Services
*** ***

Dear *** ***
Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received July 6, 2016. Midland Credit appreciates the opportunity to answer your questions
Please note that Midland Credit has reached out to the
seller to obtain additional information regarding this matter. In the meantime, in accordance with the *** Finance Code, Midland Credit has acknowledged *** *** dispute, annotated the accounts as disputed, and ceased collection efforts while it is awaiting the requested information. Additionally, Midland Credit will not furnish information for the accounts to the three major credit reporting agencies until it is able to resolve its investigation of *** *** concerns. Midland Credit anticipates providing your office with a complete response within days from the date of this letter
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
*** ** *** ***
Assistant Secretary
*** ***

Dear *** ***
Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received May 19, 2015. Midland Credit appreciates the opportunity to answer your questions
A review of Midland Credit’s business
records indicates that *** *** has retained an attorneyGoing forward, all communication about the matter should be handled by her attorney. If *** *** 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
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 25, 2009. Information provided by the seller, *** *** *** ***, at the time of acquisition indicates this account was originated on February 25, 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 January 7, 2009. The balance at the time of purchase was $1,126.74.
*** *** writes that she was part of a class action suit, and was awarded a credit toward the account, and that the amount Midland Credit is continuing to collect on is inaccurate. On May 8, 2014, a credit of $1,was applied to the account as a result of the case Pepper vMidland Credit Management, Inc., etal(“Pepper case”). Because the credit did not bring the balance of the account down to $0.00, the account remains due and owing with a balance of $1,
*** *** further questions whether Midland Credit is able to assess interest and fees to the above-referenced account. 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. ** *** *** allowed an APR of up to 24.990%Midland Credit charged an interest rate of 15.000%, which is less than the allowable rate provided by the original creditor. A copy of the verification information provided by the seller is enclosed. With that said, Midland Credit has made the business decision to stop accruing interest on the account
Midland Credit must respectfully conclude that it has acted appropriately and according to applicable law. In keeping with Midland Credit’s Consumer-First policy, as *** *** expresses a desire to resolve balance, her account has been referred to Account Manager *** *** Please have *** *** call *** *** at *** *** *** *** 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 *** ***
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
*** ***
Enclosure

Dear Revdex.com:
Thank you for your letter inquiry regarding Ms***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received July 27, 2017. 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 29, 2016. Information provided by the seller, *** Bank, at the time of acquisition indicates this account originated on March 31, 2015, 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 February 3, 2016. The balance at the time of purchase was $
Ms*** expresses a concern that she has never been provided any information regarding this debt. On December 28, 2016, Midland Credit mailed Ms*** 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.
A review of Midland Credit’s business records indicates that it began receiving notices of dispute from the credit reporting agencies on May 2, 2017. In response, Midland Credit verified the information it was furnishing to the three major credit reporting agencies. Midland Credit also mailed Ms*** verification information provided by the seller on May 24, in response to a notice of dispute received. A copy of the verification information is once again enclosed for Ms***’s records. Additionally, Midland Credit’s business records indicate that it received the first correspondence directly from Ms*** on July 14, 2017. This response serves to address her written correspondence as well. 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.
With that said, Midland Credit stands ready to assist Ms*** in clearing her record if she has been a victim of identity theft or fraud. If such is in fact the case, Midland Credit respectfully requests that Ms*** provide it with a copy of either a police report or affidavit of fraud showing that she reported the fraudulent activity. Please note that an affidavit of fraud can be found at www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf. If submitting an affidavit of fraud, Ms*** should complete the form and have the form notarized. Ms*** may forward appropriate documentation to Midland Credit using the contact information on this letterhead
Per Ms***’s correspondence received on July 14, 2017, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, Ms*** will continue to not receive contact from Midland Credit representatives unless a response is required by law
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to Ms***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext*** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** ***
Division Manager, Consumer Support Services

Dear Ms***:
Thank you for your letter inquiry regarding Ms***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received June 12, 2017. 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*** writes that she has no knowledge of the company, and that the account is appearing on her credit report. Consumers are sometimes unclear as to what the term “charge off” means for a debt. When a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books. Often, they then sell the debt. Please note that the underlying promissory obligation remains valid, due and owing. Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account. The above-referenced account remains collectible, due and owing to Midland Credit as servicer for Midland Funding
Ms*** also expresses concern that she has not been notified or received any communications regarding the debt. On November 28, 2016, Midland Credit mailed Ms*** a validation letter. Please note that the letter was mailed to Ms*** 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.
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from Ms*** in response to the letter. While Midland Credit did receive an email from Ms*** on May 22, 2017, in which she requested the account be removed from her credit report, no correspondence has been received requesting validation of the debt from Ms***, prior to the complaint filed through your office. A copy of the verification information provided by the seller is enclosedA review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate
On April 30, 2017, this account was placed with *** * ***, P.C. On May 12, 2017, Ms*** contacted *** * ***, P.Cand agreed to a payment plan, but called back on May 17, 2017, stating that she needed to cancel the plan. Midland Credit encourages Ms*** to work with *** * ***, P.Cto assist in reaching a positive resolution. Ms*** may reach *** * ***, *** ** *** *** *** *** ** StLouis, MO 63126. Their phone number is (800) 4***
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to Ms***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext*** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** ***
Division Manager, Consumer Support Services
*** **l
Enclosure

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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 Management keeps saying that it responded with the appropriate validation pursuant to the FDCPA, however that is incorrect as the validation provided does NOT MEET the requirements per the FDPCAFurthermore, Midland Credit Management keeps regurgitating that it is reporting accurate information when it is NOTMidland Credit Reporting ontop of having insufficiently validating this account is currently and is still reporting inaccurate information to all credit bureaus causing me further damagesI have attached a letter sent to Midland Credit Management outlining all the violations that it is has and is/or currently violatingI have also attached a copy of the return reciept that proves that Midland Credit Management recieved my correspondence.The fact that Midland Credit Management keeps avoiding these facts and has done nothing to rectify them, the only solution I ask for is that it immediately delete its tradeline from all credit bureaus and also that it does not sell nor trade this account with any 3rd party in the future
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
There is no contract between me and the Midland Credit Management that binds me to pay themAs I hold no contract with Midland Credit Management, they have provided insufficient evidenceI request the following items: My signature on a contract that binds me to pay this debt.Any and all signed receipts for every $ of charges made.Profit/loss write off from the original creditor.Regards,
*** ***

June 23,
VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** ***
Revdex.com#
***
MCM# *** & ***
Dear *** ***
Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received June 13, 2016. Midland Credit appreciates the opportunity to answer your questions
Please note that Midland Credit has reached out to the seller to obtain additional information regarding this matter. In the meantime, Midland Credit has acknowledged *** *** dispute, annotated the account as disputed, and ceased collection efforts while it is awaiting the requested information. Additionally, Midland Credit will not furnish information for the account to the three major credit reporting agencies until it is able to resolve its investigation of *** *** concerns. Midland Credit anticipates providing your office with a complete response within days from the date of this letter
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
*** ***

October 9,
VIA E-Mail
Revdex.com of San Diego
Re: Consumer complaint of *** * ***
Revdex.com#
***
MCM #: ***
Original Creditor: *** ***
Original Account #: ***
Dear Ms***:
Thank you for your letter inquiry regarding Mr***’ complaint, which Midland Credit Management, Inc(“Midland Credit”) received October 4, 2017. 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*** expresses a concern that his requests for validation have been ignored. On April 29, 2016, Midland Credit mailed Mr*** a validation letter. Please note that the letter was mailed to Mr*** 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.
A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from Mr*** on September 12, 2016. In response to Mr***’ request for validation, verification information provided by the seller was mailed to him on October 3, 2016. A copy of the verification information is again enclosed for his 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 FDCPAA review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate
If Mr*** is ready to resolve the above-referenced debt, he may qualify for a reduction in his account balance. Please have Mr*** call Account Manager Doris Arce at (800) 825-ext*** to assist him in reaching a resolution of the account balance
In the meantime, per Mr***’s previous request, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, Mr*** will continue to not 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 Mr***. Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext*** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** ***
Senior Manager Operations, Consumer Support Services
*** ***
Enclosure

November 22,
VIA E-Mail
Revdex.com of San
Diego
Re: Consumer complaint of Brian ***
Revdex.com# ***
MCM #: ***
Original Creditor: *** *** *** ***
Original Account #: ***
Dear *** ***:
Thank you for your letter inquiry regarding Mr***’ complaint, which Midland Credit Management, Inc(“Midland Credit”) received on November 14, 2017. 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*** writes that he has no contractual agreement with Midland Funding or its servicer, Midland Credit. When a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books. Often, they then sell the debt. Please note that the underlying promissory obligation remains valid, due and owing. Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account
Mr*** states that he has filed a police report and an identity theft report as the debt was established without his knowledge and enclosed a copy of the fraud documentation. Please note, prior to the complaint, Midland Credit did not received documentation supporting Mr***’ claim of fraud. With that said, upon receipt of the documentation, and in keeping with its Consumer-First policy, Midland Credit made the business decision to close the account. There will continue to be no further collection activity or sale of this account. In addition, the three credit-reporting agencies were previously notified to delete Midland Funding’s reference to the collection account in question from Mr***’ consumer credit files in August 2017. If Mr*** has concerns regarding the information being reported by the original creditor, he may dispute it directly with the credit reporting agencies
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to Mr***.
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext*** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** ***
Senior Manager Operations, Consumer Support Services
AR: kmb

Dear Ms***:
Thank you for your letter inquiry regarding Mr*** * ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received July 7, 2017. 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*** expresses a concern that his requests for validation have been ignored. On November 28, 2016, Midland Credit mailed Mr*** 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.
In keeping with its Consumer-First policy, Midland Credit made the business decision to close the account. There will be no further collection activity, furnishing of account information to the credit bureaus, or sale of this account. In addition, the three credit-reporting agencies have been notified to delete Midland Funding’s reference to the collection account in question from Mr***’s consumer credit files. A copy of the request which was sent to the credit reporting agencies is enclosed for Mr***’s records
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-ext*** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** ***
Division Manager, Consumer Support Services
AR: biEnclosure

Thank you for your follletter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received November 23, 2015. Midland Credit appreciates the opportunity to answer your questions
Midland Credit provided all of the account identifying information in its previous letter response to your office dated November 18, 2015. *** *** states that he only received a bill and not validation of the debt. As indicated in the previous response sent to your office, the validation letter Midland Credit mailed *** *** on February 28, met the notification and rights disclosure requirements per the Fair Debt Collection Practices Act (“FDCPA”) The previous response to your office included a copy of the verification information provided by the seller which had previously been mailed to *** ***, which also meets the requirements of the FDCPA as well. The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA
Midland Credit is collecting on a debt that was charged off by the original creditor. Debts are often charged off when the creditor no longer believes the consumer will pay the bill and has written the debt off of its books. Often, they then sell the debt to a collection agency. The underlying promissory obligation remains valid, due and owing. Just as the original creditor 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.
Midland Credit has acted in a timely manner and complied with all applicable laws. Additionally, Midland Credit continues to assert that it is furnishing accurate information to the three major credit reporting agencies
While Midland Credit would be pleased to work with *** *** to reach an agreement to resolve the account balance, the account remains in “Cease and Desist” per his prior request. While the debt remains due and owing, *** *** will continue to not 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 *** ***
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
*** ***

Dear Revdex.com:
Thank you for your letter inquiry regarding Ms
*** complaint, which Midland Credit Management, Inc(“Midland
Credit”) received August 16, 2017. 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*** filed the same complaint through the
Consumer Financial Protection Bureau (“CFPB”).
A copy of Midland Credit’s response to the CFPB is enclosed.
Ms*** questions whether Midland Credit is
licensed to conduct business in the State of Florida. Please assure Ms*** that Midland Credit
is licensed in every state which requires such licensing for collection
companies. Please have Ms*** contact
the Florida Office of Financial Regulation for more information regarding
licensing requirements
Per Ms*** previous concerns, the
above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, Ms***
will continue to not 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 Ms***
Thank you again for your assistance in this
matter. Please contact Midland Credit’s Consumer Support Services team at
(800) 825-ext*** should you have any further questions
Sincerely,
Midland Credit
Management, Inc
*** ***
Division Manager, Consumer Support Services
AR: bi
Enclosure

January 25, 2018VIA E-MailRevdex.com of San Diego
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Dear Revdex.com:Thank you for your letter inquiry regarding Ms***
complaint, which Midland Credit Management, Inc(“Midland Credit”) received on January 18, 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*** states that Midland Credit failed to respond to the debt validation request sent on December 16, A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from Ms*** on December 20, In response to her dispute, Midland Credit appropriately mailed a copy of the verification information provided by the seller to Ms*** on January 12, to the same address listed in her submission to your office Another copy of that documentation is enclosed with this response 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.Per Ms*** previous request, the account will remain marked “Cease and Desist.” While it remains due and owing, Ms*** will continue to not 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 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.*** ***,*** *** *** *** *** ***
*** ***Enclosure

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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 resolvedI was under the assumption there was more than one accountYes I was garnishes for an account that was paid years ago, however I was told that there was a second account with midland in my name that I have no validation ofThe only account that was paid through midland was for ***Anything I have no contract or recollection of.
Regards,
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