Western Power Train Repair Ltd

Dear Ms***:
Thank you for your follow up letter inquiry regarding Mrs
***-*** complaint, which Midland Credit Management, Inc(“Midland
Credit”) received July 5, 2017. Midland
Credit is the servicer of the above-referenced account on behalf of the current
owner, Midland Funding, LLC. Midland Credit
appreciates the opportunity to answer your questions
A review of Midland
Credit’s business records indicates that *** *** has retained an
attorneyMidland Credit has no record of her attorney’s contact information
and request that she 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 *** *** is not
or is no longer working with legal counsel and will mark her account
accordingly
*** *** expresses
a concern that she has requested proper validation from Midland Credit several
times, but has only received account statements rather than a document
containing her signature. A review of
Midland Credit’s business records indicates that a copy of the verification
information provided by the seller was mailed to *** *** on or about
September 27, 2013, on March 22, 2017, and again on June 29, 2017, in response
to her initial complaint filed through your office.
A copy of that
documentation is once again enclosed for *** *** records. Please note that the verification information
provided by the seller meets the requirements of the Fair Debt Collection
Practices Act (“FDCPA”) 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 Mrs
*** previous request to no longer contact her by phone, the
above-referenced account will remain marked “Direct Mail Only.” While it remains due and owing, Mrs
*** will continue to not receive phone calls from Midland Credit
representatives and all correspondence will be sent via the United States
Postal Service
Midland Credit
considers consumer complaints a serious matter and fully respects consumers’
rights. Midland Credit apologizes for
the inconvenience caused to *** ***
Thank you again for
your assistance in this matter. Please
contact Midland Credit’s Consumer Support Services team at *** *** ext
*** should you have any further questions
This communication is from a debt collector
Sincerely,
Midland Credit
Management, Inc
*** ***
Division Manager, Consumer Support Services
*** ***
Enclosure

February 17,
VIA E-Mail
*** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** *** ***
Revdex.com# ***
MCM# ***
Dear Ms***:
Thank you for your letter inquiry regarding Ms***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 8, 2017.
Midland Credit provided all of the account identifying information in its previous letter response to your office dated February 6, 2017.
In her follinquiry, Ms*** continues to request signed documentation and mentions that the front page of a statement is not sufficient to validate the debtAs indicated 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 FDCPAPlease note that Midland Credit included thirty pages of billing statements with its previous responseThat same documentation is again enclosed for Ms***’s records
Ms*** requests proof that she has a contractual obligation to pay Midland Credit and would like the account returned to the original creditor so it can be properly disputedConsumers 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, Midland Funding, 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 FundingPer her request, a copy of the Bill of Sale and Chain of Title are enclosed as proof that Midland Credit is the rightful owner of the account and purchased the account from the seller with all rights
Midland Credit stands by its previous response with regard to the information it is furnishing to the credit reporting agenciesMidland Credit maintains that it is furnishing accurate information to the three major credit reporting agencies
If Ms*** is ready to resolve the above-referenced debt, she may qualify for a reduction in her account balance. Please have Ms*** call Account Manager *** *** at (800) 825-*** *** *** to assist her in reaching a resolution of the account balance
Per Ms***’s previous request, the above-referenced account will remain marked “Direct Mail Only.” While it remains due and owing, Ms*** will continue to not receive phone calls from Midland Credit representatives and all correspondence will be sent via the United States Postal Service
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to 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 Corporate Counsel, Legal Affairs & Compliance
*** ***
Enclosure

November 19,
VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** ***
Revdex.com# ***
MCM# ***
Dear *** ***
Midland Credit provided all of the account identifying information in its previous letter response to your office dated October 13, 2015. In regards to *** *** concern that Midland Credit was in fact in receipt of his threat to sue letter, and upon review of the certified return receipts *** *** has now included, Midland Credit was able to further investigate and locate the letter in question. The letter was received September 30, 2015; however, it was inadvertently sent to the wrong department for processing. Midland Credit apologizes for any confusion regarding the matter
*** *** continues to reiterate that he paid the account in full with the understanding that he could have it removed from his credit report. Again, Midland Credit stands firm in its previous responses that *** *** *** *** *** appropriately and correctly advised *** *** of how the account would be reported to Midland Credit once paid. 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 *** ***
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

Hello, hopefully you can see this document as I made it into a PDF file.Thank you, *** ***

I paid someoneYears ago I didn't save a lot of paperwork, because I trusted this this was handled However, I am dropping this, because this debt will age off of my credit report in January I feel like Midland Credit did everything they could to prove the debt was valid, to them, but I also did the right thing and paid it off, and I won't pay it twice
*** ***

Dear *** ***
Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received October 14, 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 with the same name as *** *** During a search for the correct consumer, *** *** phone number and address were provided to Midland Credit representatives by a third party. In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account.
*** *** phone number has been marked “Do Not Call” in Midland Credit’s computer system for the referenced account, and her address marked “Do Not Mail.” *** *** will no longer receive calls or correspondence 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
*** ***

Revdex.com:I have reviewed the response made by the business in reference to complaint ID *** and it does not resolve my complaint.
Below (and the attached PDF) is my response:
*** *** *** *** *** *** ** ***May 4, 2016Via E-MailMidland Credit Management, IncNorthside Drive, Suite 300San Diego, CA 92108RE: Revdex.com Complaint ID: *** Tax Year 1099-Misc DisputeTo Whom It May Concern:I am in receipt of your response in regards to my complaint with the Revdex.comYour response does not resolve my complaintI still have concerns regarding the 1099-Misc issue.I had received a 1099-Misc from Midland for $9,and that is what was reflected on my Transcript from the IRS for tax year.The amount I received as a result of legal claims against Midland was $5,000, not the $9,reflected in the 1099-Misc I had receivedI then sent letters and emails to Midland regarding the 1099-Misc being incorrect. Midland contacted the attorney that represented me on my legal claims against Midland, of which he informed me and forwarded to me a "Corrected" 1099-Misc in my name in the amount of $4,that Midland had sent to him, of which wasn't sent to me directly from MidlandThere was no explanation nor documentation as to what was corrected on the 1099-Misc.So, this caused confusionWas the "Corrected" 1099-Misc corrected to reflect $4,instead of $9,000? Even though I didn't receive this "Corrected" 1099-Misc (other than it being forwarded to me from attorney), the "corrected" amount of $4,did not make sense either since I received $5,Or, is the $4,1099-Misc in addition to the $9,1099-Misc? What exactly has been "Corrected" on the most recent "Corrected" 1099-Misc for $4,that Midland sent to my previous attorney but didn't send to me? Why has Midland not sent me the "Corrected" 1099-Misc directly?The reason for my dispute to begin with was the fact that I had received $5,and the 1099-Misc and the transcript from the IRS reflected $9,000, which did not make sense. Now, because of my bringing the matter of the incorrect 1099-Misc to Midland's attention, without any acknowledgement or response to my dispute, Midland contacted my previous attorney and sent him a "Corrected" 1099-Misc in my name for $4,000, but have not sent this "Corrected" 1099-Misc to me.So, according to your most recent correspondence, it seems that this "Corrected" 1099-Misc for $4,is in addition to the $9,1099-Misc that I was disputing to begin with. If that is the case, I still dispute the amount(s) of the 1099-Misc(s)The amount of the 1099-Misc should not be $9,000, nor $4,000, and certainly not $13,The amount I received was $5,and that is what the 1099-Misc(s) should reflect. If the $4,1099-Misc is in addition to the $9,1099-Misc that I was disputing to begin with, where did it suddenly come from when I was already disputing the $9,amount? This additional $4,1099-Misc (if that's the case) was not included in my transcript from the IRSIs that the "internal error" you mentioned?My agreement with Midland specifies the amount being issued to me and the amount being issued directly to my attorneyI did not receive the entire $13,amount and then pay attorney fees; therefore, I did not have $13,of Misc income.If indeed the 1099-Misc(s) (including the "corrected" one) are issued to me for a total of $13,000, when I was initially disputing $9,because the amount I actually received was $5,000, I will continue to dispute itI disagree with a 1099-Misc reflecting any other amount than the $5,that I actually receivedI am unable and unwilling to claim any other amount than what I actually received and that amount is $5,000.So, please correct this issue.Regards,*** ***cc: *** *** *** ***, Revdex.com

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.After many attempts to resolve this issue, this account continues to stay on my credit report.In accordance with the Fair Credit Reporting Act, Section (a) (1) (A) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the recordFailure to verify account records in compliance with the FCRA will damage my ability to obtain creditUnder FCRA, unverifiable accounts must be promptly removed. I formally demand the follow negative account records to be verified, and/or removed immediately.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.[I have spoken with *** bank and *** *** bank representatives about the accounts reported to the credit bureaus and they refer me to speak with Midland Credit or Midland Funding if I have questions about these accountsNow Midland assures me that they aren't reporting this information to the credit bureausOne of the companies is reporting the accounts to my credit reportsI have spoke with each company and each one is pointing their finger at the other companyI would like this resolved because each time I call, write, or email any of these companies mentioned I am stalled about who is reporting these PAID CLOSED accounts.]
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,
*** ***

March 27, 2018VIA E-MailRevdex.com of San DiegoRe: Consumer complaint of *** D ***Revdex.com# *** MCM #: ***Dear Revdex.com:Thank you for your follletter inquiry regarding Ms***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received on March 17, Midland Credit appreciates the opportunity to answer your questions.Ms*** continues to dispute the balance, and requests an itemization of all purchases and payments since the account was openedThe verification information provided by the seller was provided in Midland Credit’s previous response to your office, and 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. Additionally, the statements previously provided show payments made by Ms*** on November 15, 2014, March 22, 2015, April 13, 2015, July 11, 2015, September 3, 2015, September 18, 2015, November 12, 2015, and March 31, 2016, resulting in the final charge off balance of $1, If Ms*** has documentation or more information in support of her claim that the balance is incorrect, she may provide such information so that Midland Credit may review the matter furtherUntil such time, Midland Credit must respectfully conclude that the account information it is furnishing to the three major credit reporting agencies is accurate.When Ms*** is ready to resolve the above-referenced debt, Ms*** may qualify for a reduction in her account balance Please have Ms*** call a Midland Credit Account Manager at (800) *** ext*** for assistance in reaching a resolution of the account balance.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 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 Ms*** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) *** ext*** should you have any further questions.Sincerely, Midland Credit Management, Inc
*** ***Senior Manager Operations, Consumer Support Services*** ***

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
Regards,
*** ***

November 9,
VIA E-Mail
Revdex.com of San Diego
Re: *** *** ** *** ***
*** ***
*** **
***
*** *** *** *** *** ***
*** *** ** ***
*
Dear Revdex.com:
Thank you for your letter inquiry regarding Ms*** complaint, which Midland Credit Management, Inc(“Midland Credit”) received October 30, 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*** states that she found the account on her credit report, but was never notified of the account. On November 25, 2015, Midland Credit mailed Ms*** a validation letter. Please note that the letter was mailed to Ms*** at the same address listed in her 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 Ms*** responded to the November 25, letter, and indicated that the account was not hers. In response, Midland Credit mailed Ms*** the verification information provided by the seller on February 26, 2016. In response to subsequent disputes, Midland Credit requested that Ms*** provide any additional information in support of her dispute. Midland Credit has not received such information to date
An additional copy of the verification information provided by the seller is enclosed for Ms*** 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
Ms*** goes on to write that she has never had an account 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
Ms*** also writes that she did not open the account with the original creditor. 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 obtained by submitting a report through the Federal Trade Commission (“FTC”) online at www.identitytheft.gov. After submitting it to the FTC directly, Ms*** can then provide a copy of the affidavit to Midland Credit.
Ms*** requested a copy of Midland Funding’s business license to prove that they are a legal entity. Please assure Ms*** that Midland Funding and Midland Credit are licensed in every state which requires such licensing. Please have Ms*** contact the her local state agency for more information regarding licensing requirements
With that said, 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-extshould you have any further questions
Sincerely,
Midland Credit Management, Inc
*** ***
Senior Manager Operations, Consumer Support Services
AR: kal
Enclosure

January 26,
VIA E-Mail
Revdex.com of San Diego
Re: *** *** ** *** * ***
*** ***
***
** ***
*** *** *** ***
*** *** ** ***
*** *** *** *** ***
*** ** ***
*** *** *** ***
*** *** ** ***
*** *** ***
Dear Revdex.com:
Thank you for your letter inquiry regarding Mr***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received on January 17, 2018. Midland Credit is the servicer of the above-referenced accounts on behalf of the current owner, Midland Funding, LLC (“Midland Funding”). Midland Credit appreciates the opportunity to answer your questions
A review of Midland Credit’s business records indicates that Mr*** has retained an attorneyGoing forward, all communication about the matter should be handled by his attorney. If Mr*** is no longer represented by an attorney, please have him provide Midland Credit with written notice so it may update its records and allow its representatives to communicate with him directly
Mr*** expresses a concern that Midland Credit representatives have contacted him excessively. Please assure Mr*** that Midland Credit has safeguards in place to ensure that its calls are being placed according to applicable law. A review of Midland Credit’s business records indicates that no phone conversations took place in regards to the above-referenced accounts
A copy of the verification information provided by the seller for the above-referenced accounts is enclosed for Mr***’s records. Per Mr***’s concerns, the accounts have been marked “Cease and Desist.” While the accounts remain due and owing, Mr*** 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
*** ***,
Senior Manager Operations, Consumer Support Services
AR: cl
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
The letter referred as validating was only a letter originating from Midland Funding LLC simply stating they had acquired a debtMy dispute is that they had not provided me with actual documentation as required yet they referred to such documents in a response to the dispute which states "after reviewing the records and account notes"Again, I cannot stress enough the fact that other than a letter, claiming they acquired a debt, I had not received any factual documentation showing account activityAnyone can generate a letter claiming they acquired a debtThe fact they had not provided those documents in February means they should have removed their claim in I have a copy of the letter I sent to Midland in February 2013.
Regards,
*** ***

Dear Ms***:Thank you for your letter inquiry regarding Mr*** complaint, which Midland Credit Management, Inc(“Midland Credit”) received August 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.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*** expressed a concern that he has requested verification of the debt and has not received it Midland Credit’s business records indicate that it began receiving notices of dispute from the credit reporting agencies on October 3, Additionally, Midland Credit began receiving disputes directly from Mr*** on December 16, In response to disputes received, verification information provided by the seller was mailed to Mr*** on October 23, and July 12, Midland Credit also received correspondence directly from Mr*** on August 10, This response serves to address the concerns listed in Mr*** recent correspondence.While previously provided to Mr***, a copy of the verification information is again 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 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 April 12, 2015, this account was placed with *** *** ***, LLP (“*** *** ***”) *** *** *** indicate that a judgment was entered on October 6, 2015, a copy of which is enclosed for Mr*** records.Midland Credit encourages Mr*** to work with *** *** *** to assist in reaching a positive resolution Mr*** may reach *** *** *** ** * *** *** *** ** *** *** *** *** ** *** ***Per Mr*** request for no further contact, the above-referenced account has been marked “Cease and Desist.” While it remains due and owing, Mr*** 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***.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

April 26,
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 April 12, 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. During a search for the correct consumer, *** *** address 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.
*** *** address has been marked “Do Not Mail” in Midland Credit’s computer system for the referenced account. Please assure *** *** that she will no longer receive correspondence from Midland Credit representatives 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 Ms***
Thank you for your letter inquiry regarding Ms***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received on June 30, 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. 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 a concern that she has never done business with Midland Funding and that she is not liable for this debt from the above-referenced account. On August 8, 2014, 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.
A review of Midland Credit’s business records indicates that it received a notice of dispute from the credit reporting agencies on May 6, 2016. Although verification information provided by the seller was mailed to Ms*** in response to her dispute on May 25, 2016, 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. Additionally, Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate
If Ms*** is ready to resolve the above-referenced debt, she may qualify for a reduction in her account balance. Please have Ms*** call Account Manager *** *** at (800) 825-ext*** 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 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: cl
Enclosure

Tell us why here...Dear Ms***:Thank you for your follinquiry regarding Ms***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received October 20, 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 express a concern that the debt is time-barred and indicates that the debt can no longer be collected As advised in Midland Credit’s previous response through your office, the statute of limitations on the debt has expired However, the expiration of the statute of limitations does not render the debt invalid While Midland Credit may no longer be able to initiate legal action in the matter, the above-referenced account still remains collectible, due and owing to Midland Credit as servicer for Midland Funding.Ms*** writes that the time for collecting on a debt starts from the date the account originated Please note, both the statute of limitations and the Federal Reporting period for an account are calculated based on factors such as the date the account first became delinquent Midland Credit’s business records indicates that the seven-year Federal Reporting period for the above-referenced debt has not yet expired. Ms*** expresses a concern regarding the balance that Midland Credit is attempting to collect, stating that the balance owed is only $922.00, but that Midland Credit is seeking over $1, A review of the billing statements for the account reflects that there was a balance of $as of December 2011; however, purchases were made for the following billing period, resulting in a balance of $1,in January Subsequent payments were made to the account until May When no additional payments were received, the account was charged off with a balance of $1,on December 28, Midland Credit’s business records indicate the balance at the time of purchase by Midland Funding was $1, Please note, Midland Credit has not assessed any interest to the account balance, and the balance remains $1,779.19.Ms*** continues to state that the debt is fraudulent As previously advised, 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 obtained by submitting a report through the Federal Trade Commission (“FTC”) online at www.identitytheft.gov After submitting it to the FTC directly, Ms*** can then provide a copy of the affidavit to Midland Credit In the meantime, per Ms***’s 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.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
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