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.Bottom line is Midland never validated the debt within the specified time, and they continued collection activity on this account in clear violation of *** Finance Code and Federal Debt Collection Practices Act. The information provided today, comes too little too late.
Regards,*** ***

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
*** ***

October 21,
VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** ***
Revdex.com# ***
MCM# ***
Dear *** ***
Thank you for your follletter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received October 7, 2015. *** *** has filed similar complaints through the Consumer Financial Protection Bureau (“CFPB”) and Office of the Attorney General, State of California (“AG”)A copy of Midland Credit’s responses to the AG and CFPB, in additional to Midland Credits previous response to the Revdex.com are enclosed. Please note, Midland Credit provided all of the account identifying information in its previous letter response to your office dated September 25, 2015. Midland Credit appreciates the opportunity to answer your questions
*** *** asserts that Midland Credit failed to respond to her written request for validation dated July 11, *** *** also includes a copy of a written correspondence and a copy of a certified return receipt. As stated in its original response, Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding, on May 25, 2012. This is nearly months after the date of the letter *** *** claims she sent requesting validation on this account. Additionally, nothing in *** ***’s response to the Revdex.com shows that the letter and the return receipt were a part of the same package. There is also no way for Midland Credit to determine whether or not the return receipt belongs to any letter sent by *** *** as there is no name associated with it.
To that end, Midland Credit is also the servicer of an additional account belonging to another individual with the same address and last name as *** *** (account number ***), which Midland Funding acquired, and Midland Credit began servicing on June 23, Midland Credit’s business records for that account show that Midland Credit received a certified letter from that individual on July 11, 2011, requesting validation and that they no longer be contacted regarding that account. It appears the return receipt which *** *** has attached to her Revdex.com complaint was associated with this letter
*** *** also continues to assert that she has made several attempts and follrequests for validation, and that Midland Credit has also ignored these requests. A review of Midland Credit’s business records indicate that it received the first written request for validation from *** *** on April 11, 2013. Due to the “Cease and Desist” request in *** ***’s correspondence, Midland Credit was unable to respond at that time, and no additional correspondence has been received prior to *** ***’s complaints. Following receipt of *** ***’s first complaint through the Revdex.com, Midland Credit obtained verification information from the seller. A copy of the verification information is enclosed for *** ***’s recordsA review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate
If *** *** is ready to resolve the above-referenced debt, her account remains assigned to Account Manager *** ***Please have *** *** call *** *** at (*** *** *** *** to assist her in reaching a resolution of the account balance
In the meantime, per *** ***’s previous request to no longer be contacted by Midland Credit, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, *** *** will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (*** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***
Enclosure

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

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 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

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, Midland has failed to provide me with sufficient and appropriate documentsThese simple documents DO NOT show I owe Midland a balanceRegardless of what is or isn't required specifically outlined under the FDCPA, if Midland really does have a "debt" I owe, I would have been provided with the requested and legitimate documents showing my agreement for the alleged "debt" and a breakdown of suchJust because the FDCPA doesn't list all specifics, it is the burden of Midland to ACTUALLY validate the "debt"The continued failure to provide the documents, shows they do possess or cannot obtain the sufficient proofFurthermore, the "not required" certified mail to prove the original validation of debt wasn't receivedMidland has been alerted this was not receivedWhile, "it's not required by the FDCPA", it would be a smart business practice and valid rather than Midland's statement of "we sent it", which doesn't prove it was sentMidland relying heavily on "what isn't required" rather than providing sufficient documentationMy resolution requirement still stands, delete the reporting from all bureaus! ]
Regards,
*** ***

December 29, 2017VIA E-MailRevdex.com of San Diego*** *** *** ** *** ***
*** ***
*** ** ***
*** *** *** *** *** *** *** ** ***Dear Revdex.com:Thank you for your letter inquiry regarding Ms***’ complaint, which Midland Credit Management,
Inc(“Midland Credit”) received on December 19, 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*** expresses concern that Midland Credit has ignored her requests for validation Midland Credit’s business records indicate that it received the first correspondence from Ms*** on September 18, Based on the information Ms*** provided and pursuant to the Texas Finance Code, Midland Credit responded by sending her a copy of the verification information provided by the seller and a letter on September 30, 2015, advising that Midland Credit had determined that its credit file, and the information it is furnishing for the above-referenced account, was accurateWith that said, in keeping with its Consumer-First policy, Midland Credit has 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-ext*** should you have any further questions.Sincerely, Midland Credit Management, Inc.*** ***Senior Manager Operations, Consumer Support ServicesAR: kalEnclosure

September 1, VIA E-Mail Revdex.com of San Diego Re: Consumer complaint of *** *** Revdex.com# *** MCM #: *** Original Creditor: *** *** *** N.AOriginal Account #: *** Dear Revdex.com: Thank you for your follletter inquiry regarding Ms***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received on August 24, 2017. Midland Credit appreciates the opportunity to answer your questions Ms*** indicates that Midland Credit has failed to address her concerns, as she writes that she has called and written a letter to Midland Credit. She also requests that all communications stop, and the account be removed from her credit report As stated in its previous response, Midland Credit’s records do not reflect any communications from Ms*** regarding this account prior to receipt of the complaint through your office, and ***, *** *** * *** (“*** Law”), also advise that they have not had any interactions with Ms*** regarding this account 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*** can contact Midland Credit online at www.midlandcreditonline.com/consumer-resolution-center/, where she can email questions to a Consumer Support Services (“CSS”) specialist, find the answers to frequently asked questions, and upload documents to support her request. Uploaded documents are automatically sent to a CSS specialist, who will investigate the consumer’s question and mail back a response. Alternatively, Ms*** may forward appropriate documentation to CSS using the contact information on this letterhead Or, as previously advised, if the last four digits of the social security number previously provided do not match the last four digits of Ms*** social security number, please have her contact Consumer Support Services at (800) 825-8131, ext*** A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate. Midland Credit encourages Ms*** to work with *** Law to assist in reaching a positive resolution. Ms*** may reach *** *** ** *** *** *** *** TN Their phone number is (865) *** Per Ms*** 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 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 *** ***

May 18,
VIA E-Mail
*** ***
Revdex.com of San Diego
Re: Consumer complaint of *** ***
Revdex.com#
***
MCM# ***
Original Creditor: *** *** *** ***
Original Account #: ***
Dear Ms***:
Thank you for your letter inquiry regarding Ms*** complaint, which Midland Credit Management, Inc(“Midland Credit”) received May 8, 2017. Midland Credit appreciates the opportunity to answer your questions
Ms*** expresses concern that when she contacted Midland Credit to discuss the account, she was told she owes over $1,200.00, but that she never had a card with such a credit limitWhile the credit limit may set the maximum amount of credit given to a consumer, additional interest and fees charged by the original creditor are allowable by law. A copy of the verification information provided by the seller is enclosed, showing the balance at the time of charge-off of $1,
Ms*** further writes that after setting up a plan and making two payments, she received a letter indicating that the settlement agreement she had reached would not resolve her account, and ultimately cancelled payments. Midland Credit apologizes for any confusion the letter caused for Ms***
Additionally, Ms*** states that she left voice messages but never received any return calls. Please note that Midland Credit has strict guidelines that its representatives must adhere to when leaving messages. This policy assists in preventing the inadvertent disclosure of private consumer information to third parties. Due to these restrictions, no messages were left during attempts to return her calls
A review of Midland Credit’s business records indicate that the payment arrangement was to pay $in February 2017, and five additional payments of $each month until July 2017. In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, Ms*** account has been referred to Account Manager *** ***. Ms*** may contact Ms*** at (800) 825-ext*** to assist in re-establishing her previous plan
Once the final payment is received, the account will reflect a $balance and Ms*** will have no further financial responsibility for the account. Additionally, Midland Credit has made the business decision to cease reflecting the collection tradeline on Ms*** consumer credit files. A copy of the request sent to the credit reporting agencies is enclosed
Per Ms*** request to not be contacted again, 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
*** ***
*** *** *** *** ***
*** ***
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
According to the business I received Validation for a debt I never knew I had and a year later I disputed it? That does not make sense, I have received several statements, and payment repayment options but NOTHING with proof of my original contract or signatureIf I am requesting validation that they claim to have in June why can I not be given that information today?
Regards,
*** ***

DATE \@ "MMMM
d, yyyy" February 15,
"Arial",sans-serif">
VIA E-Mail
Revdex.com of San Diego
Re:
Consumer complaint of *** D
***
Revdex.com# ***
MCM #: ***
Dear Revdex.com:
Thank you for your letter inquiry regarding Mrs***’s complaint,
which Midland Credit Management, Inc(“Midland Credit”) received on February
5, 2018. Midland Credit appreciates the
opportunity to answer your questions
A review of Midland
Credit’s business records indicates that Mrs*** has retained an attorneyMidland Credit has no record of her attorney’s contact informationPlease have Mrs
*** 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 Mrs*** is not or
is no longer working with legal counsel and will mark her account accordingly
Mrs*** states she has never heard of
Midland Credit. Midland Credit became
the servicer of the above-referenced account on behalf of purchaser, Midland
Funding, LLC (“Midland Funding”), on October 22, 2010. Information provided by the seller, Sherman
Originator III, LLC, at the time of acquisition indicates this account
originated on December 8, 2008, as a *** *** ***, N.AVisa account number
ending in ***, in the name of *** ***, under the last four of the social
security number 8368. Subsequently, the
account was charged-off as an unpaid delinquent debt on September 14, 2010. The balance at the time of purchase was $667.40. A copy of the verification information
provided by the seller is enclosed
Mrs*** questions whether the account is
collectible due to its age and the expiration of the statute of
limitations. A review of Midland Credit’s business records indicates that
the statute of limitations expired on March 12, 2016. However, please
note that the passing of the statute of limitations does not extinguish the
validity of a debtRather, it eliminates litigation as a potential remedy
A review of Midland Credit’s business records
indicates that the seven-year Federal Reporting period for the above-referenced
account expired in March 2017. Accordingly, the three credit-reporting
agencies were notified to delete Midland Funding’s reference to the collection
account in question from Ms***’s consumer credit files in February
2017. Similar to the statute of
limitations, the expiration of the seven-year Federal Reporting period also
does not extinguish a debt. It only prevents the account information from
being furnished to the credit reporting agencies.
Per Mrs***’s request, the above-referenced
account has been marked “Cease and Desist.”
While it remains due and owing, Mrs*** 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
*** ***
Enclosure

February 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 February 17, 2016. Midland Credit appreciates the opportunity to answer your questions
An investigation of this matter indicates that Midland Credit is the servicer of accounts belonging to other consumers with the same name as *** *** During a search for the correct consumers, *** *** phone number was provided to Midland Credit representatives by a third party. In reliance on that information, Midland Credit attempted to contact the consumers regarding the referenced accounts.
*** *** phone number has been marked “Do Not Call” in Midland Credit’s computer system for the referenced accounts. *** *** will no longer receive calls from Midland Credit representatives regarding the referenced accounts. 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 have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[In response to this message from the business, yet again, the business has utterly failed to provide accurate and sufficient validation of the debtThe claim of a letter being sent to me on April 29th, does not prove a letter was sent to me, nor the fact that supposed letter was not returned as “undeliverable”There is no proof that any documents were sent and no proof that if it was truly, I received anythingAll sensitive notices or documents should be sent via certified mailThis leaves a trail to prove such actions took placeMight I add, I DID NOT RECEIVE IT! Furthermore, this “validation” as Midland is calling it, does not 1.) validate a “debt” owed by me or provide this is legitimate, 2.) provide my agreement to any “debt” or that I established this “debt” or agreed to any repayment of “debt”, or 3.) explain or provide proof that Midland owns, can attempt to collect on, or the origination of any “debt”This “print out” PDF attachment is not sufficient validation and does not meet any request/requirements put forth and Midland knows this! Midland seems to intend for me to take this at its face value and just “believe” this is validNo proper proof is being provided, because it doesn’t existI expect this erroneous reporting to be 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
The company is insisting on persevering with this frivolous debt without providing me proof of my liabilityThis is a violation of the FDCPA, the Revdex.com should keep this complaint on record as a complaint where Midland failed to abide by the most basic Debt Collection Regulationsplease note that I will be filing suit against Midland as well
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 am rejecting this response bc they have not provided any recordings that I spoke with their attorney and still have not provided sufficient validation that this debt belongs to meThis debt is erroneous and I have no knowledge of this company/debt at all I am escalating my complaint and concerns and I will not stop until this is corrected This is an absolute violation of my consumer rights and I will not stand for this
Thanks,
*** ***

December 22,
VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** ***
Revdex.com# ***
MCM# *** *** ***
Dear *** ***
Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received December 8, 2015. Midland Credit appreciates the opportunity to answer your questions. Midland Credit provided all of the account identifying information in its previous letter response to your office dated December 2,
A review of Midland Credit’s business records indicates that *** *** has retained an attorneyGoing forward, all communication about the matter should be handled by his attorney. If *** *** 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
*** *** expressed a concern that the verification from the seller is not proper validation. 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 FDCPAChaudhry vGallerizzo, F.3d (4th Cir1999)
In addition, *** *** states that the furnisher and the credit reporting agencies have a duty to verify the information reporting is accurate. 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
Another concern *** *** expresses is that Midland Credit is re-aging the debts. While Midland Credit is sensitive to *** *** concern, Midland Credit does not alter or modify any of the original account information provided by the seller, such as the name of the consumer, the date of origination, or the date of occurrence. Midland Credit furnishes account information on the accounts it services based on the business records maintained by the original lender/sellerIn accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date being furnished for the accounts reflect the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.” The open dates listed on *** *** credit report are in fact the date of purchase by Midland Funding, LLC, for the respective accounts
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 accounts, is accurate. Midland Credit will be closing its investigation of *** *** 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. 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 what they respond doesn't reflect the truth, so would not resolve my complaint. For your reference, details of the offer I reviewed appear below.On the first Paragraph, they refer as been one account, and on my credit report they report different account - *** *** ***, OPENED IN AUG 17,(ACCOUNT "A") and the other one MIDLAND FUNDING LLC, OPENED IN JAN 26,(ACCOUNT "B"), I attached the copy of the credit report showing the both account in my.They refer to another midland accounts *** on behalf of citibank; *** on behalf atlantic credit & finance, but the none of these accounts was ever envolved in my credit score, so midland shouldn't be reporting anything on credit report.And the and last account that they refers, is the account *** on behalf of MIDLAND FUNDING, yes same companyAn account that I doesn't recognize.Regarding the all letter that Midland sent over the USPS, the only one received was on dated april 08,(attached) and only reports what they wrote on this response, They purchase of *** ***, opened in jan 26, and the purchase amount was $1,and they ask to I get I contact, but once I tried to contact them they can't provide any type of documentation of the referral debit with *** *** or unpaid balanceThe only option that they give to me is pay or pay the debt
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 am not the first person that Midland Credit Management has irresponsibly reported on nor will I be the last I will continue to await the outcome of the findings by Midland.Regards,*** ***

July 21,
VIA E-Mail
Revdex.com of San Diego
Re: Consumer complaint of *** ***
Revdex.com# ***
MCM #:
***
Original Creditor: *** ***
Original Account #: ***
Affinity: *** ***
Dear Revdex.com:
Thank you for your letter inquiry regarding Miss ***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received July 12, 2017. Midland Credit is the servicer of the above-referenced account on behalf of the current owner, Midland Funding, LLC (“Midland Funding”). Midland Credit appreciates the opportunity to answer your questions
Miss *** writes that there is no signed contract, nor have they received services from Midland Funding or its servicer, Midland Credit. Please note, Midland Funding does not issue credit. As indicated above, the account originated as a *** *** *** *** account. 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
Miss *** states that Midland Credit has failed to provide adequate proof. A review of Midland Credit’s business records indicates that no correspondence was received directly from Miss *** prior to the complaint filed through your office. A further review of Midland Credit’s business records indicates that it began receiving notices of dispute from the credit reporting agencies on June 12, 2016. In response, verification information provided by the seller was mailed to Miss *** on June 29, 2016. A copy of that documentation 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
Per Miss ***’s request, the above-referenced account has been marked “Cease and Desist.” While it remains due and owing, Miss *** 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 Miss ***
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