Western Power Train Repair Ltd

April 1,
*** ***
*** *** *** ***
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 March 24, 2016. Midland Credit appreciates the opportunity to answer your questions
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on August 15, 2012. Information provided by the seller, *** *** *** ***, at the time of acquisition indicates this account was originated on September 16, 2010, 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 July 22, 2012. The balance at the time of purchase was $1,446.80. Final payment on the account was received by Midland Credit on September 4, 2014. *** *** has no further financial obligation for this account
*** *** states that during a telephone conversation, he made an agreement with Midland Credit to pay his accounts in exchange for removing of the negative account information from his consumer credit filesA review of Midland Credit’s business records indicates that on December 2, 2012, the above-referenced account was assigned to *** *** *** *** (“*** ***”)
*** *** states that he has two separate accounts. Please note, Midland Credit is only the servicer of one account belonging to *** ***. *** *** advised that *** ***s had two accounts placed in their office for collection, one belonging to Midland Credit, the other belonging to a different client. As Midland Credit is the servicer of the above-referenced account belonging to *** ***, please be advised its response will only be in reference to that account. *** *** is encouraged to communicate directly with the servicer of the other account referenced in his complaint with your office regarding his concerns about that account
*** *** advised that suit was filed for the above-referenced account on February 25, 2013, and judgment was obtained May 2, 2013. *** *** stated that on August 15, 2014, the firm received a call from *** ***’s wife. During this telephone conversation with *** *** she requested to settle the account in exchange for deletion of the account from *** ***’s consumer credit files. The *** *** representative appropriately advised that they do not handle credit reporting for the accountThe representative advised that they do report judgments and suits to the courts who in turn report that to the credit reporting agencies. The representative further advised that upon receipt and clearance of the settlement fund, they will request the court to satisfy the judgment. *** *** agreed to this and continued to settle the account. Once payment cleared, *** *** filed a satisfaction of judgment on October 13, 2014. A copy of the satisfaction of judgment is enclosed for *** ***’s records
While Midland Credit is pleased that *** *** was able to assist *** *** in reaching a resolution which resolved the balance for the above-referenced account, please note that it is Midland Credit’s policy to report all accounts accurately. A review of Midland Credit’s business records indicates that it is accurately 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.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected
With that said, please note that judgments are not reported by Midland Funding. Rather, judgments are reported by the credit reporting agencies as a matter of public record*** *** is encouraged to communicate directly with the credit bureaus or the public records office should he have any further concerns about how the judgment is being reported
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 Ms***Thank you for your letter inquiry regarding Ms***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received on June 23, Midland Credit is the servicer of the above-referenced account on behalf of the current owner, Midland Funding, LLC (“Midland
Funding”)On June 30, 2017, Midland Credit advised that more time was needed to complete its investigationMidland Credit appreciates the opportunity to answer your questions.A review of Midland Credit’s business records indicates that Ms*** has retained an attorneyMidland Credit has no record of her attorney’s contact informationPlease have Ms*** provide her attorney’s information, if applicable, so that we may contact him/her directlyIf Midland Credit does not receive attorney information in the next days, it will assume that Ms*** is not or is no longer working with legal counsel and will mark her account accordingly.Ms*** expresses a concern that she has no contract with Midland CreditWhen 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 booksOften, they then sell the debtPlease note that the underlying promissory obligation remains valid, due and owingJust 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.Ms*** expresses an additional concern that she is not responsible for the debt, and she requests to have the account deleted from her credit reportOn October 27, 2013, Midland Credit mailed Ms*** a validation letterPlease note that the letter was mailed to the same address listed within the consumer’s complaint via the United States Postal ServiceThe 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 FDCPAMidland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from Ms*** in response to the letterIn fact, no correspondence was received directly from Ms*** prior to the complaint filed through your office.With that said, Midland Credit acted appropriately and in a timely mannerHowever, in keeping with its Consumer-First policy, Midland Credit made the business decision to close the accountThere will be no further collection activity or sale of this accountIn addition, the three credit-reporting agencies were previously notified to delete Midland Funding’s reference to the collection account in question from Ms***’s consumer credit files in November 2016.Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rightsMidland Credit apologizes for the inconvenience caused to Ms***.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.*** ***, Division Manager, Consumer Support Services *** ***

Dear Revdex.com:
Thank you for your letter inquiry regarding Ms***’ complaint, which Midland Credit Management, Inc(“Midland Credit”) received August 10, 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 August 31, 2016. Information provided by the seller, *** ***, at the time of acquisition indicates this account was originated on December 25, as a *** ***/*** *** *** account number ***, in the name of *** ***, under the last four of the social security number ***. The first delinquency occurred on December 18, 2015. Subsequently, the account was charged-off as an unpaid delinquent-debt on May 18, 2016. The balance at the time of purchase was $2,116.49. A copy of the bill of sale verifying Midland Funding as the rightful owner of the account, and a copy of a seller data sheet confirming the account was included in the purchase from *** *** are enclosed
Ms*** requests to be provided with a copy of a contract with Midland Funding. 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
A review of Midland Credit’s business records indicates that it has not received any written correspondence from Ms*** prior to the complaint through your office. Additionally, Midland Credit’s business records indicates that it received two notices of dispute through the credit reporting agencies on July 27, 2017. In response, Midland Credit appropriately verified the account information it is furnishing to the three major credit reporting agencies. A copy of the verification information provided by the seller is enclosed for Ms***’ records. A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate
On May 14, 2017, this account was placed with Scott & Associates, PC (“*** * ***”). *** * *** indicated that an initial letter was mailed to Ms*** on May 17, 2017. When the firm did not receive a response from Ms***, *** * *** sent her a letter on July 10, 2017, indicating their intent on filing suit in the matter. Suit was subsequently filed on July 12, 2017, and service was completed on August 5,
Ms*** indicates that this account does not belong to her. 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, or she may send it to *** * *** at the information listed below
In the meantime, 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 Ms***’ dispute and will be resuming regular collection activities as allowed by the Texas Finance Code and/or the Fair Credit Reporting Act
Midland Credit encourages Ms*** to work with *** * *** to assist in reaching a positive resolution. Ms*** may reach *** * *** at *** *** *** *** *** *** ** *** *** *** *** ** *** ***
Please assure Ms*** 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***
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

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.You are correct in that I filed similar complaints with other entities, one being the credit bureaus themselvesThey have REMOVED the item from my credit report because you failed to validateThank you for the offer to call your office to settle on the balance, but no thanksYour collection efforts against me in this case must cease which was in fact my desired resolution in this matter :) Good day!Regards,*** ***

Dear Revdex.com:
Thank you for your follletter inquiry regarding Ms***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received July 24, 2017. Midland Credit appreciates the opportunity to answer your questions
While not previously advised in Ms***’s initial complaint, she now states that Midland Credit is reporting two accounts on her consumer credit files. Please note, account no*** is the only account Midland Credit is currently furnishing on Ms***’s consumer credit files. 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 no*** is accurate
Ms*** indicates that she does not have a contract with 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
Ms*** indicates that she has requested validation of the accounts and has not been provided with it. Midland Credit’s business records indicate that it received the first correspondence from Ms*** for account no*** on or about April 11, 2017. In response, verification information provided by the seller was mailed to Ms*** on April 28, Additionally, Ms*** previously filed complaints through the Consumer Financial Protection Bureau. Midland Credit responded to Ms***’s concerns on June 6, and provided her a copy of the verification information provided by the seller for account no***
With regard to account no***, on June 14, 2009, this account was placed with *** *** *** ***(“*** ***”) and subsequently placed with the *** *** ** *** *** *** (“*** ***”) for further servicing on February 2, 2011. Suit was filed September 24, by *** *** and a judgment was entered on November 9, 2009. A copy of the judgment is enclosed for Ms***’s records. A review of Midland Credit and *** ***’s business records indicates that no dispute was received for account no*** prior to Ms***’s complaint through the Revdex.com. Please note that judgments are not reported by Midland Funding. Rather judgments are reported as a matter of public record. Ms*** is encouraged to communicate directly with the public records office should she have any further concerns about how a judgment is being reported
The verification information provided by the sellers is enclosed for Ms***’s records, along with a copy of the bills of sale verifying Midland Funding as the rightful owner of the accounts. A copy of seller data sheets confirming the accounts were included in the purchase from the sellers are also enclosed. Please note that the verification information provided by the sellers 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
Per Ms***’s previous request, the above-referenced accounts will remain marked “Cease and Desist.” While they remain 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 encourages Ms*** to work with *** *** to assist in reaching a positive resolution for account no***. Ms*** may reach *** *** at *** *** *** ** *** *** *** *** ** ***. Their phone number is *** ***
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
AR: kmb
Enclosure

October 11,
VIA E-MailRevdex.com of San Diego
Re: Consumer complaint of *** ***Revdex.com# ***MCM #: ***Original Creditor: *** *** *** ***Original Account #: ***
Dear Revdex.com:
Thank you for your follletter inquiry regarding Mr***’s complaint, which Midland Credit received October 4, 2017. Midland Credit appreciates the opportunity to answer your questions
Mr*** continues to state that he has never received services from Midland Funding, or Midland Credit. 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. 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. A copy of the cardholder agreement for the account is enclosed for Mr***’s records. Additionally, the bill of sale verifying Midland Funding as the rightful owner of the account, and the seller data sheet confirming the account was included in the purchase from the seller, Sherman Originator III, LLC, are enclosed.
The verification information provided by the seller was included in Midland Credit’s previous response. 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
Please assure Mr*** 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 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 ServicesAR: ***
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 appearI do not hve a signed contract with either of the companies Lo EstesI have never done business with either compnanyShowing me a bill with the wrong address is not validationI have never lived at either of the addresses listed on the bullsI am not liable for this accountPlease produce a signed contract or delete the accounts from my credit report]
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
As a consumer of an alleged debt, I have the right to ask for validation of any amount being requested of meI have worked in collections and know that once an account is said to be charged off, A breakdown is made available stating that the account has been charged off., the amount of charge off and the company contact information for who the alleged debt was sold to- so the consumer can contact the new owner of the accountI never received anything like this regarding this alleged debtI started this verification process due to the fact the account was reporting different dates pertaining to this alleged debt to all the different credit agencies that made me suspicious and question the accounts due to me being a victim in the past of identity theft and caught in multiple scams related to collection agencies collecting on debts they did not ownI am disputing this account because I want accurate information to be reported across the board to all credit agenciesYour company is reporting accounts - *** and *** and I will continue to dispute in all forms and fashions that are available to me as a consumer until we can come to an agreed conclusionsBecause of my history of identity theft - I am going to make sure that all information is reported correctly and can be verified that the accounts are mineI will send letters weekly if I need to, to your company until I can get proper validation (not a paper statement that means nothing because this does not verify that no other activity was completed on the alleged account)I have also disputed again with the credit bureaus as of 03/and have filed a complaint with CFPBI have also certified mailed your company another validation requestCorrect reporting is very important to me and I will not stop until all information is reported accurately on my credit profile across all credit agencies or it has been removed for my profileThe year statue of limitation in Texas has expired so litigation is not an option and the account is due to be removed in the next year or so , but until it is removed I am going to make sure that all information is reported correctly on my credit profile
Regards,
*** ***

Dear Revdex.com:
Thank you for your letter inquiry regarding Ms
*** complaint, which Midland Credit Management, Inc(“Midland
Credit”) received August 3, 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 December 21, 2016. Information provided by the seller, *** *** III, LLC, at the time of acquisition indicates this account was originated on August
22, as a *** *** ***, N.A*** account number
ending in 8795, 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 November 28, 2016. The balance at the time of purchase was $1,
Ms*** writes
that the above-referenced account does not belong to her. If the last four digits of the social
security number provided above do not match the last four digits of Ms***
social security number, please have her contact Consumer Support Services at
(800) 825-8131, ext***
On March 20, 2017,
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. Midland
Credit’s business records appear to indicate that it has not received any
correspondence or phone calls from Ms*** regarding this account.
A copy of the verification information provided
by the seller is enclosed for Ms*** records. A review of Midland Credit’s business records
indicates that the account information it is furnishing to the three major credit
reporting agencies is accurate
A
review of Midland Credit’s business records indicates that on May 28, 2017,
this account was placed with *** *** *** * *** *** ***). On June 21, 2017, *** *** mailed Ms*** a letter advising that the
account had been placed with their office.
Additionally, ***
Law advised that they have not had any
interactions with Ms***
Ms*** indicates that this is not her
debt. 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, or to *** Law at
the information listed below
Midland Credit
encourages Ms*** to work with *** Law to assist in reaching a
positive resolutionMs*** may reach *** *** ** *** *** *** *** ** ***. Their phone number
is (865) ***
In the meantime, per Ms*** concerns, 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 or if it is for a specific purpose related
to legal efforts
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
*** ***
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 resolved
Thank you.Regards,
*** ***

October 4,
VIA E-Mail
Revdex.com of San Diego
Re: Consumer complaint of *** T ***
Revdex.com# ***
MCM #: ***
Original ***or: ***
Original Account #: ***
Affinity: *** ***
Dear Ms***:
Thank you for your follletter inquiry regarding Ms***’s complaint, which Midland *** Management, Inc(“Midland ***”) received on September 27, 2017. Midland *** is the servicer of the above-referenced account on behalf of the current owner, Midland Funding, LLC (“Midland Funding”). Midland *** appreciates the opportunity to answer your questions
Ms*** continues to indicate that she requested a copy of the original contract but has not received one. As referenced in Midland ***’s previous response, 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 copy of Midland ***’s previous response, which includes the verification information provided by the seller, is enclosed for Ms*** records
If Ms*** is ready to resolve the above-referenced debt, she may still qualify for a discount. Please have Ms*** contact Account Manager *** *** at (800) 825-ext*** to assist her in reaching a resolution of the account balance
Midland *** considers consumer complaints a serious matter and fully respects consumers’ rights. Midland *** apologizes for the inconvenience caused to Ms***
Thank you again for your assistance in this matter. Please contact Midland ***’s Consumer Support Services team at (800) 825-ext*** should you have any further questions
Sincerely,
Midland *** Management, Inc
*** ***,
*** *** *** *** *** ***
*** ***
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
Some of the very first words I spoke to *** were, "I want to get this paid and removed from my credit report." To which she replied, "I'd be glad to help you with that today, sir." She later went into some spiel about it showing as Paid in Full for the time being (a short time) but that I could contact Midland and easily have it removed since I was paying IN FULLI could have paid ~percent of the debt if I just wanted it listed as Settled or Paid in FullRegarding the aforementioned lawsuit, I was not served with a summons, so I'm unaware of any suit that was supposedly filed or not filedI wouldn't mind seeing the suit's contents to see if it was robo-signed like thousands of other suits by Midland have beenHowever, I have sent an intent to sue letter to the company for SEVERAL inaccurate reporting offenses to the three bureaus for separate offenses regarding the harm they've done to my credit report, and by extension, my creditI just want the trade line removed from my credit reportsThe company can either spend big bucks defending themselves in court over a $debt that has been PAID, or they can simply remove it from my reportsThe choice is theirsThe company's final response to this letter will determine whether I go forward with the suitIf the response is anything other than a full removal from the credit bureaus' files, then I will file suit within three business days of the replyI am awaiting a response, and I hope it's a favorable oneIf not, they should prepare to send their legal team to rural ***, or they'll be facing a default judgment like the thousands of default judgments they receive on a regular basisI will also file formal complaints with the *** Office of the Attorney General Consumer Protection Division and the FTC at that time
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
Once again, this is pointless, so I'd like it to be closed as unresolvedYou've probably already spent more time in billable hours writing the same incorrect and rehashed responses to these letters than the entire debt was worth in the first place, *** *** Have a nice day
Regards,
*** ***

September 15,
VIA E-Mail
Revdex.com of San Diego
Re: Consumer complaint of *** L***
Revdex.com# ***
MCM #: ***
Dear Revdex.com:
Thank you for your letter inquiry regarding Ms***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received on September 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
Ms*** continues to assert that the above-referenced account on her credit report has not been updated as paid with a $balance, and continues to report as a closed, derogatory account. Midland Credit does not furnish information for accounts as ‘derogatory’, as the credit bureaus determine which accounts should be marked as such. Please also note that if Ms*** obtained her 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
As stated in its previous response, the three major credit reporting agencies were notified to remove the Midland Funding collection tradeline entirely regarding this account on or about July 21, 2017. The credit reporting agencies have advised that they require to days to update to a consumer’s credit files. While Midland Credit previously notified the credit reporting agencies to remove the tradeline, Midland Credit sent an additional update, and a copy of the Universal Data Form showing the request which was sent to the credit reporting agencies is enclosed for your records
If Ms*** has any further concerns about information currently appearing on her consumer credit files, Midland Credit would request that she provides a copy of the information she is seeing to Midland Credit for further investigation. Ms*** continues to have 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***. 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

September 29, VIA E-Mail Revdex.com of San Diego Re: Consumer complaint of Mr*** R *** Revdex.com# *** MCM #:
*** Original Creditor: *** *** ***, N.AOriginal Account #: *** Dear Revdex.com: Thank you for your letter inquiry regarding Mr***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received on September 25, 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*** filed a similar complaint through the State of New Mexico Attorney General’s Office (“AG”) and the Consumer Financial Protection Bureau (“CFPB”). Given that Midland Credit’s response to the complaint from your office would be the same as the responses which Midland Credit previously provided to the AG and CFPB, a copy of those responses are enclosed. In Midland Credit’s response to the complaint received from the AG, it advised Mr*** to provide proof of any International Transaction Fees (“ITF”) incurred from payments made to Midland Credit so that they may be reimbursed. Midland Credit encourages Mr*** to provide such proof so that it may refund those charges 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 any 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

April 14,
VIA E-Mail
*** *** *** ***
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 *** *** complaint, which
Midland Credit Management, Inc(“Midland Credit”) received April 6, 2016. Midland Credit appreciates the opportunity to answer your questions
*** *** expresses a concern that she has been receiving calls on her cell phone, and states she does not know the person they are asking for. Please note, based on the phone number*** *** that *** *** provided in the complaint to your office, Midland Credit is unable to locate an account where a Midland Credit representative has contacted her. If *** *** has received calls from Midland Credit representatives at any numbers other than the one she provided, or if she can provide documentation listing the calls she has received, she may call Midland Credit’s Consumer Support Services team at*** *** *** *** to provide such information so the matter may be investigated further
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 have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Midland only states dates Send me the proof and every single letter They have mailed??? Probably can't do that right? Because Midland is a JDB! Anyone can provide dates Two years and you cannot provide details to my attorney or court Hmmm that is not a surprise They clearly thought they would get a default judgement like the hundreds of lawsuits in my countyYou should delete this until litigation is complete We have our defense against you which I cannot disclose but if you really have a case delete this until proven guiltyI have provided the ** AG this latest complaint and will do the same for the CFPB. My request is to have this deleted.
Regards,
*** ***

Dear *** ***
Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received August 17, 2015. Midland Credit appreciates the opportunity to answer your questions
An investigation of this matter indicates
that Midland Credit is the servicer of an account belonging to another consumer. During a search for the correct consumer, *** *** 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. Please note that Midland Credit was unaware that it was contacting a wrong number for the consumer until receipt of the complaint through your office
*** *** alleges that Midland Credit representatives have called excessively and at times not allowed by law. Please be assured that Midland Credit has safeguards in place to ensure that its calls are being placed according to applicable law. Midland Credit’s determination of which local time should control the ability to call is based on information then available to it, including the address, and/or phone number’s area code.
Information in the complaint indicates *** *** resides in ***. Based on that information, all calls were placed after 8:00am and prior to 9:00pm Pacific Standard Time, and Midland Credit did not attempt to call *** *** more often than what is allowable
*** ***’s 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, *** ***’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
*** ***

DATE \@ "MMMM
d, yyyy" August 30,
"Arial",sans-serif">
VIA E-Mail
Revdex.com of San Diego
Re:
Consumer complaint of Ms***
***
Revdex.com# ***
MCM #: ***
Original ***or: ***
Original Account #: ***
Affinity: ***
***
Dear Revdex.com:
Thank you for your letter inquiry regarding Ms
***’s complaint, which Midland *** Management, Inc(“Midland
***”) received August 21, 2017. Midland *** is the servicer of the
above-referenced account on behalf of the current owner, Midland Funding, LLC
(“Midland Funding”). Midland ***
appreciates the opportunity to answer your questions
Ms*** expresses a
concern that Midland *** is reporting an account with a balance of $
on her *** report in attempt to recycle an old debt for which she is not
responsible. Ms*** requests to have
the debt deleted from the *** bureaus
Consumers are sometimes unclear as to what the
term “charge off” means for a debt. When
a ***or "charges off" an account, it means that the ***or 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 ***or had the right
to legally seek repayment of the promissory obligation, the new third-party
purchaser has the right to repayment of the *** account. The above-referenced account remains
collectible, due and owing to Midland *** as servicer for Midland Funding
On October 16, 2013, Midland *** 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 *** provided the required disclosure of rights set forth
in the FDCPA. Midland ***’s business
records indicate that it did not receive any correspondence disputing the debt
or requesting validation from Ms*** in response to the letter.
A review of Midland ***’s business records
indicates that it received the first correspondence requesting validation from
Ms*** on February 4, 2014. In
response to Ms***’s, Midland *** mailed her a copy of the verification
information provided by the seller on or about February 6, 2014. Midland *** received a dispute from Ms
*** via email on November 9, 2016, to which it responded by again mailing her
a copy of the verification documentation on November 16, 2016, along with a
letter requesting more information about her dispute. Additionally, Midland *** received a
notice of dispute from the *** reporting agencies on June 29, 2017, and in
response, again mailed her the verification documentation from the seller with
a letter requesting more information regarding her claim on July 21, 2017.
Although verification information provided by
the seller was mailed to Ms*** in response to her disputes at those times,
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 ***’s business
records indicates that the account information it is furnishing to the three
major *** reporting agencies is accurate
Per Ms***’s previous request, 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 ***
representatives unless a response is required by law
Midland *** considers consumer complaints a
serious matter and fully respects consumers’ rights. Midland *** apologizes for the
inconvenience caused to Ms***
Thank you again for your assistance in this
matter. Please contact Midland ***’s Consumer Support Services team at
(800) 825-ext*** should you have any further questions
Sincerely,
Midland ***
Management, Inc
*** ***,
Division Manager, Consumer Support Services
*** ***
Enclosure