Western Power Train Repair Ltd

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
[Again, you have not provided me with and original agreement and my signature, nor have you sufficiently proven that you have a right to collect this alleged debtA bill of sale with everything marked out is uselessI will not go awayZombie debt collectors like your company purchase accounts and extort money from people without a concern in the world about accuracy, fraud, or validityIt'd really a sad way to do business and I will not go awayMy next complaint will be with the FTC AND AGI WILL NOT STOP DISPUTING THIS BOGUS DEBT UNTIL I GET RELIEF FROM YOUR SHADY COMPANY and DELETIONThe burden of proof is on you and you must so your due diligence in this matter.]
Regards,
*** ***

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 resolved
Regards,
*** ***

Dear *** ***
Thank you for your letter inquiry
regarding *** *** complaint,
which Midland Credit Management, Inc(“Midland Credit”) received
November 9, 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 May 14, 2012.
Information provided by the seller, *** *** ***, at the time of acquisition indicates this account
was originated on March 10, as a ** *** *** and
*** *** 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 October 7, 2011. The balance at the time of purchase was $825.70. Final payment on the account was received by
Midland Credit on February 6, 2014. *** *** has no further financial
obligation for this account
*** asserts that Midland Credit has updated the dates on his consumer credit
files to reflect this account as new. Please
note that Midland Credit furnishes information on the accounts it acquires
based on the business records maintained by the original lender/seller, and the
payment history of each individual consumer.
While Midland Credit is pleased that it was able to assist *** *** in
reaching a resolution which resolved the balance for the above-referenced
account, it is Midland Credit’s policy to furnish accurate account information. 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.”
Midland
Credit has no control over the manner in which each credit reporting agency
decides to display information which is furnished to them. *** *** is encouraged to communicate
directly with the credit bureaus should he have any further concerns. Based on the law and guidelines governing
credit reporting, it would appear that the account information being furnished
is accurate. In addition, if *** *** 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
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
*** ***

Good evening,Thank you for your response as to the status of my complaintI have attached the signed release formI also attached a copy of the check in which MCM cashed, and by cashing the check agreed to remove the account from my credit report Please let me know if you need additional
information to process the complaintThank you for your assistance with resolving the complaint with MCM. Respectfully, *** ***

October 21,
VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** *** ***
Revdex.com# ***
Dear *** ***
Thank you for your letter inquiry regarding *** *** complaint, which
Midland Credit Management, Inc(“Midland Credit”) received October 7, 2015. Midland Credit appreciates the opportunity to answer your questions
*** *** expresses a concern that he is receiving calls from Midland Credit for another party. An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer. During a search for the correct consumer, *** *** phone number was provided to Midland Credit representatives by a third party. In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account.
*** *** also states that he spoke with a Midland Credit representative regarding his phone number being incorrect for the intended party. Midland Credit has been unable to locate a phone conversation with *** ***. If he could provide the date and time of the call, Midland Credit would be able to conduct further investigation. *** *** may contact Midland Credit’s Consumer Support Services team at *** *** *** *** to provide such information
With that said, *** *** phone number has been marked “Do Not Call” in Midland Credit’s computer system for the referenced account. *** *** will no longer receive calls from Midland Credit representatives regarding the referenced account. Additionally, *** *** phone number, *** ***, has been added to an exclusion list to prevent it from being called in the future regarding the referenced account
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
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
*** ***

February 12,
VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** ***
Revdex.com# ***
Dear *** ***
Thank you for your letter inquiry regarding *** *** complaint,
which Midland Credit Management, Inc(“Midland Credit”) received February 3, 2016. Midland Credit appreciates the opportunity to answer your questions
An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer with the same name as *** *** During a search for the correct consumer, *** *** phone number was provided to Midland Credit representatives by a third party. In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account.
A review of Midland Credit's business records indicates that it made contact with a third party, presumably *** *** on February 2, 2016, in an attempt to contact the correct consumer During that conversation the phone number listed in her complaint, the phone number *** *** was disabled. An additional review of Midland Credit's business records does not indicate there was a conversation with *** *** last year in which she requested calls to cease, in fact, Midland Credit did not dial the above referenced phone number prior to January 1, *** ***’s phone number has been added to an exclusion list to prevent it from being called in the future regarding the referenced account
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
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
*** ***

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 resolvedAs long as they do as they say and delete the info from my credit report, I will be fully satisfied with this response.
Regards,
*** ***

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 resolved
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.Thank you *** *** for your rapid response to this complaint, I truly appreciate that, but yet again the company that you are representing have not VALIDATED this debt according to the FDCPAAccording to McDonald vRosengarten, 126, N.E; and Summerfield vPhoenix AssurCo(CC-) Fed296; and Patterson vBrooklyn, AppDiv127, N.YSupp , "Confirmation of the Correctness, Truth, or Authenticity of a pleading, account, or other paper, by affidavit, oath or deposition." Validation is a sworn testimony, it can be a deposition or in court or as an affidavitAnd as you are well aware that a testimony is only admissible from first hand knowledgeNot anyone at a credit bureau, *** *** ( the main public record source used by credit bureaus) If someone validates and doesn`t have first hand knowledge , this isn`t validation, only hearsay.
Since your company cannot validate this debt with a contract or an agreement bearing my signature and continue to report this to the credit bureau, you are in violation of the FDCPA section (b), FTC opinion letter Cass from Leferve , along with violation of the FCRA a (3) 7(B)All of which can be subject to $1,per violation
Also *** ***, let me remind you of Gearing vCheck Brokerage Corp, Cacace vLucas FSupp502, (DConn 1990) in reference to misrepresentation by your firm/ client Midland Funding MgtWhich is another violation of the FDCPA, subject to $1,
Now to your question of charge offs, I am very aware what they are and how your client profits from buying such debt at pennies on a dollar, without any validation , hoping that folks like myself lack the knowledge of our rightsA third party has NO right to legally seek payment on any promissory note without a contract or an agreement bearing the debtors signatureAgain validation is requested, not verification, any data entry operator, making minimum wage can look at a computer screen and see a name in their file, this is not VALIDATION, Sir
Sir , I`ve respectfully and diligently asked Midland Funding, LLC, to remove the *** from my credit report, because their lack of validation, according to the FDCPA and the FCRAAll I`m trying to do is to qualify and purchase a home but your negative reporting has hindered me enormously even though the statue of limitation has passedI do not wish to proceed with litigation, but you leave me no choice.
Regards,*** ***

December 29,
VIA E-Mail
*** ***
Revdex.com of San Diego
*** *** *** *** ***
*** *** ** ***
Re: Consumer complaint of *** ***
Revdex.com#
***
MCM# ***
Dear *** ***:
Thank you for your letter inquiry regarding *** ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received December 22, 2016. Midland Credit requires additional to fully investigate and obtain additional information regarding this matter. In the meantime, Midland Credit has acknowledged *** ***’s dispute, annotated the account as disputed, and ceased collection efforts while it is awaiting the requested information. Midland Credit anticipates providing your office with a complete response by January 31,
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
*** ** *** ***
Corporate Counsel
*Admitted in Michigan, Not Admitted in California
*** ***

Dear *** ***
Thank you for your letter inquiry
regarding *** *** complaint,
which Midland Credit Management, Inc(“Midland Credit”) received
November 10, 2015. Midland Credit appreciates the opportunity to
answer your questions
*** expresses a
concern that they are receiving calls at least five times a
day looking for someone that does not live there. An investigation of this matter indicates
that Midland Credit is the servicer of an account belonging to another
consumer. During a search for the
correct consumer, *** *** phone number was provided to Midland Credit
representatives by the seller. In
reliance on that information, Midland Credit attempted to contact the consumer
regarding the referenced account.
*** states they have asked for the calls to stop but calls continue, and that
the representatives have become belligerent and rude. A review of Midland Credit’s business records
appears to indicate that it had no information that it was contacting a wrong
number for the consumer until a phone conversation, presumably with ***, on November 8, 2015. A further
review of Midland Credit’s business records indicates that within the
referenced call, the Midland Credit representatives acted appropriately.
As
a result of the call on November 8, 2015, *** *** phone number was marked
“Do Not Call” in Midland Credit’s computer system for the referenced
account. *** *** will no longer
receive calls from Midland Credit representatives regarding the referenced
account. Additionally, *** ***
phone number *** *** has been added to an exclusion list to prevent it
from being called in the future regarding the referenced account
Midland
Credit considers consumer complaints a serious matter and fully respects
consumers’ rights. Midland Credit
apologizes for the inconvenience caused to *** ***
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 *** ***
Thank you for your letter inquiry regarding *** ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 18, 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 March 15,
*** *** expresses a concern that Midland Credit did not validate the debt within the specified time frame. Although Midland Credit previously indicated that it received *** ***’s correspondence disputing the debt on December 21, 2015, please note that *** ***’s letter was postmarked December 21, 2015, and received by Midland Credit on December 28, 2015. Based on the information *** *** provided and pursuant to the *** Finance Code, Midland Credit responded by sending him a letter on January 6, 2016, advising that Midland Credit had determined that its credit file, and the information it is furnishing for the above-referenced account, was accurate. Midland Credit’s response to *** ***’s dispute at that time was appropriate
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 *** ***’s dispute and will be resuming regular collection activities as allowed by the *** Finance Code and/or the Fair Credit Reporting Act
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
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***

Dear Revdex.com: Thank you for your follletter inquiry regarding Mr***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received September 15, 2017. Midland Credit appreciates the opportunity to answer your questions Mr*** continues to indicate that he doesn’t owe the debt to Midland Credit because he has not signed a contract. As stated in Midland Credit’s response to Mr*** Consumer Financial Protection Bureau (“CFPB”) complaint, 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. A copy of Midland Credit’s previous response which includes the response to the CFPB and the validation documentation is again enclosed, along with a copy of the bill of sale verifying Midland Funding as the rightful owner of the account. A copy of a seller data sheet confirming the account was included in the purchase from the seller is also enclosed. The above-referenced account remains collectible, due and owing to Midland Credit as servicer for Midland Funding Mr*** writes that he believes that Midland Credit is required to provide him with a copy of the original signed contract which initiated the debt. As previously advised, 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. A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies remains accurate 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

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 reviewedAccount shall remain removed from my report with all credit bureaus permanently.
Regards,
*** ***

Dear Revdex.com:
Thank you for your letter inquiry regarding Mr***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received on September 6, 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 there is no signed contract with Midland Funding or its servicer, Midland Credit. 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
Mr*** indicates that he contacted Midland Credit in an attempt to resolve his concerns but was unsuccessful. Please note that Midland Credit has no record of receiving any calls from Mr***. However, Midland Credit does have record of receiving notices of dispute through the credit reporting agencies where the first notice of dispute was received on February 11, 2017. In response, Midland Credit mailed Mr*** a letter on February 27, 2017, acknowledging his dispute and advising that it had opened an investigation regarding his claim
When verification information was received from the seller, a copy was mailed to Mr*** on March 20, 2017, and an additional copy is enclosed. 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. A review of Midland Credit’s business records further 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 *** *** 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-ext*** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** ***,
Division Manager, Consumer Support Services
*** ***
Enclosure

DATE \@ "MMMM
d, yyyy" August 11,
"Arial",sans-serif">
VIA E-Mail
Revdex.com of San Diego
*** *** *** ** *** ***
*** ***
*** ** ***
*** *** *** ***
*** *** ** ***
*** ** ***
Dear Revdex.com:
Thank you for your letter inquiry regarding Ms***’ complaint,
which Midland Credit Management, Inc(“Midland Credit”) received August
2, 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 there is no signed
contract 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. The
above-referenced account remains collectible, due and owing to Midland Credit
as servicer for Midland Funding
Ms*** expresses a concern that Midland
Credit has failed to provide adequate validation of the account. A review of Midland Credit’s business records
indicates that it received a written correspondence requesting validation from
Ms*** on February 3, 2017. In
response to the dispute, a copy of the verification information provided by the
seller was mailed to Ms*** on March 3, 2017. 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 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. 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***’ request, the above-referenced
account has been marked “Cease and Desist.”
While it remains due and owing, Ms*** 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. 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
*** ***
Enclosure

December 7,
VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** ***
Revdex.com#
***
Dear *** ***
Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received November 24, 2015. Midland Credit appreciates the opportunity to answer your questions
*** *** expresses a concern that he has been contacted by Midland Credit after advising that he is not the correct consumer. An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer. During a search for the correct consumer, *** ***’s phone number was provided to Midland Credit representatives by a third party. In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account. A review of Midland Credit’s business records indicates that one call was placed to *** *** on November 21, 2015. At that time, the Midland Credit representative appropriately marked *** ***’s phone number “Do Not Call” in its computer system for the referenced account
*** *** will no longer receive calls from Midland Credit representatives regarding the referenced account. Additionally, *** ***’s phone number, *** ***, has been added to an exclusion list to prevent it from being called in the future regarding the referenced account
*** *** expresses a concern that this has been going on for five months. Often a consumer will speak to someone from one collection agency and then believe that any subsequent collection calls, even those from another collection company, are from the same company. Since *** ***’s complaint states that he is receiving calls well in excess of those made by Midland Credit representatives, it appears that this has happened to *** ***
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
*** ***

April 7,
VIA E-Mail
*** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of ***a ***
Revdex.com#
***
MCM# ***
Dear Ms***
Thank you for your letter inquiry regarding Ms***’ complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 30, 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 October 1, 2015. Information provided by the seller, *** ***, at the time of acquisition indicates this account was originated on January 9, as a *** ***/Care Credit card 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 August 19, 2015. The balance at the time of purchase was $790.62.
Ms*** expresses a concern that Midland Credit representatives have previously called her “*** ***” on multiple occasions. Ms*** states that the account is now appearing on her credit report with the name “*** ***,” and she wants to it to be removed from her credit report due to the inaccuracy. She further states that she sent a complaint and never received a response.
As advised above, the referenced account was originated in the name of *** ***. Please note, Midland Credit does not alter or modify any of the original account information provided by the seller, such as the name of the consumer, the date of origination, or the date of occurrence. Midland Credit furnishes account information on the accounts it services based on the business records maintained by the original lender/seller
Midland Credit received an email from Ms*** on January 10, 2017, indicating that she wanted the item removed from her credit report, but would otherwise work with Midland Credit to resolve the account if her named was corrected. Midland Credit did not have enough information at that time to address Ms*** concerns, and the account was referred to a specific Account Manager to assist in resolving Ms*** concernsHowever, due to an administrative oversight, Ms*** was not contacted. Midland Credit apologizes for any inconvenience caused to Ms***
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 Ms***’ consumer credit files. A copy of the Universal Data Form showing the request which was sent to the credit reporting agencies is enclosed for Ms***’ records
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-extshould you have any further questions
Midland Credit Management, Inc
*** ***, Esq
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 Mr*** complaint, which Midland Credit Management, Inc(“Midland Credit”) received October 30, On November 9, 2017, Midland Credit advised that it needed more time to complete its investigationMidland Credit appreciates the opportunity to answer your questions.Mr*** states that account no*** is a duplicate of another paid collection accountAn investigation of this matter indicates that Midland Credit is the servicer of two accounts belonging to Mr***.Midland Credit became the servicer of account no***, on behalf of purchaser, MidlandFunding, LLC (“Midland Funding”), on April 9, Information provided by the seller, *** *** *** at the time of acquisition indicates this account was originated on September 9, as a *** *** *** *** *** *** account number ending in ***The first delinquency occurred on May 4, Subsequently, the account was charged-off as an unpaid delinquent-debt on November 30, The balance at the time of purchase was $1,A review of Midland Credit’s business records indicates that on September 16, 2012, this account was placed with *** * *** LLC (“*** * ***), formerly *** * *** * *** *** (“*** & ***”)A judgment was obtained on August 20, Final payment was received by Midland Credit on August 31, Mr*** has no further financial obligation for this account.Midland Credit became the servicer of account no***, on behalf of purchaser, Midland Funding on January 25, Information provided by the seller, *** *** *** ***, at the time of acquisition indicates this account was originated on July 30, as a *** *** *** *** *** *** *** *** ** ***The first delinquency occurred on June 3, Subsequently, the account was charged-off as an unpaid delinquent-debt on December 5, The balance at the time of purchase was $1,A review of Midland Credit’s business records indicates that on April 22, 2012, this account was placed with *** * *** formerly *** & ***A judgment was obtained on September 26, 2012.Mr*** expresses a concern that his requests for validation have been ignored*** * *** advised that a copy of the judgment was mailed to Mr*** on October 31, for account ***A copy of the judgment is enclosed for Mr*** records.Mr*** also states that Midland Credit is not following its credit reporting policy and requests that the accounts be removed from his credit reportIt is Midland Credit’s policy to request the deletion ofthe collection tradeline for accounts that have been paid and are more than two years from the date they first went delinquentPer Midland Credit’s policy, the three major credit reporting agencies were notified to remove the collection tradeline for account no***.At this time, account no*** does not qualify for the collection tradeline to be deleted under Midland Credit’s policy, as the balance has not been resolvedHowever, in October 2017, Midland Credit made the business decision to cease reflecting the collection tradeline on Mr*** consumer credit files, and it has made the business decision not to request the tradeline be reinstatedPlease note, account no*** will still remain collectible, due and owing to Midland Credit as servicer for Midland Funding.Midland Credit encourages Mr*** to work with *** * *** to assist in reaching a positive resolution of account no***Mr*** may reach *** * *** ** *** *** *** *** *** *** ** *** *** *** *** ** *** ***In the meantime, account no*** 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 or if it is for a specific purpose related to legal efforts.Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rightsMidland Credit apologizes for the inconvenience caused to Mr***.Thank you again for your assistance in this matterPlease 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

June 22,
VIA E-Mail
Ms*** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** * ***
Revdex.com# ***
Dear Ms***:
Thank you for your letter inquiry regarding Ms***’s
complaint, which Midland Credit Management, Inc(“Midland Credit”) received June 9, 2015. Midland Credit appreciates the opportunity to answer your questions
The account in question was assigned to the law firm of *** and ***, *** (“*** and ***”) located at * *** *** *** ** ***. Their phone number is ###-###-####
Ms*** expresses a concern that a judgment not belonging to her is reporting on her consumer credit files. Ms*** also express a concern that *** and *** was unable to assist her with the incorrect reporting of a lien. An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer with the same name as Ms***. Please be advised that at the time Ms*** contacted *** and ***, they were no longer servicing this account, as it had previously been returned to Midland Credit. *** and *** has been instructed to send Ms*** a letter that confirms she is not the party against whom the judgment in the above matter was entered
Please note that the judgment is not reported by Midland Funding. Rather it is being reported by the credit reporting agencies as a matter of public record. When Ms*** receives the letter from *** and *** that confirms she is the wrong party, she is encouraged to furnish this letter directly to the credit bureaus and advise them that the judgment is not against her
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 should you have any further questions
Sincerely,
Midland Credit Management, Inc
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Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
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