Western Power Train Repair Ltd

Dear Ms***: Thank you for your letter inquiry regarding Mr
*** complaint, which
">Midland Credit Management, Inc(“Midland
Credit”) received May 11, 2017.
Midland Credit appreciates the opportunity to answer your questions. An investigation of this matter indicates that
Midland Credit is the servicer of the above-referenced account on behalf of
purchaser, Midland Funding LLC (“Midland Funding”). The full name of the original creditor for
the above-referenced account is *** Bank.
*** Bank subsequently sold the account to Midland Funding, on or about November 29, 2016. Information provided by the seller, ***
Bank, at the time of acquisition indicates this account was originated on November
24, as a *** Bank/*** MasterCard account number ending in ***,
in the name of *** ***, under the last four of the social security number ***. Subsequently, the account was charged-off as
an unpaid delinquent-debt on September 26, 2016. The balance at the time of purchase was $1,409.04. Mr*** expresses a concern that Midland
Credit has failed to respond to his debt validation letter which he sent via
certified mail. A review of Midland
Credit’s business records indicates that it received Mr***’s letter on May
2, 2017, wherein he expressed similar concerns.
This letter also serves to address the correspondence received directly
from Mr*** at that time. Please
note, however, that the time frame within which Midland Credit has to respond
to Mr***’s letter has not passed With that said, Midland Credit acted
appropriately and in a timely manner.
However, in keeping with its Consumer-First policy, Midland Credit made
the business decision to close the account.
There will be no further collection activity, furnishing of account
information to the credit bureaus, or sale of this account. In addition, the three credit-reporting
agencies have been notified to delete Midland Funding’s reference to the
collection account in question from Mr***’s consumer credit files. A copy of the Universal Data Form showing the
request which was sent to the credit reporting agencies is enclosed for Mr
***’s records. Midland Credit considers consumer complaints a
serious matter and fully respects consumers’ rights. Midland Credit apologizes for the
inconvenience caused to Mr*** Thank you again for your assistance in this
matter. Please contact Midland Credit’s Consumer Support Services team at
(800) 825-ext*** should you have any further questions. Sincerely, Midland Credit
Management, Inc. *** ***Division Manager, Consumer Support Services*** ***
Enclosure

Dear Revdex.com:
">Thank you for your letter inquiry regarding Ms
***’ complaint, which Midland Credit Management, Inc(“Midland
Credit”) received August 2, 2017. Midland Credit is the servicer of the
above-referenced account on behalf of the current owner, Midland Funding, LLC
(“Midland Funding”). Midland Credit
appreciates the opportunity to answer your questions
Ms*** writes that there is no signed contract
with Midland Funding or its servicer, Midland Credit. 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.
In keeping with its Consumer-First policy,
Midland Credit made the business decision to close the account. There will be no further collection activity,
furnishing of account information to the credit bureaus, or sale of this
account. In addition, the three
credit-reporting agencies have been notified to delete Midland Funding’s
reference to the collection account in question from Ms***’ consumer
credit files. A copy of the 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
*** ***
Division Manager, Consumer Support Services
*** ***
Enclosure

Midland reached out via US Postal Mail requesting the following information- Social Security Number -- I will not issue this sensitive information to themAccount Number -- I do not have an account number to provide, I'm disputing this has anything to do with me.Previous addresses -- Not
Minneapolis, MN

July 3,
VIA E-Mail
*** ***
Revdex.com of San Diego
*** *** *** ** *** ***
***
***
*** ***
Dear Ms***:
Thank you for your letter inquiry regarding Ms***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received June 23, 2017. Midland 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 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
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 29, 2011. Information provided by the seller, ***, N.A., at the time of acquisition indicates this account was originated on March 1, as a ***, N.A./Sears credit card account number ending in ***, in the name of *** ***, under the last four of the social security number ***. Subsequently, the account was charged-off as an unpaid delinquent-debt on July 19, with a balance of $
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.
Ms*** expresses a concern that she had not been provided with validation of the debt in response to her requests. On September 3, 2011, Midland Credit mailed Ms*** a validation letter. Please note that all letters Midland Credit has mailed to her regarding this account have been mailed to the same address listed within the consumer’s complaint. None of the letters, including the initial validation letter, have been returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”). In the initial validation letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from Ms*** in response to the initial validation letter. A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from Ms*** on January 9, via fax. In response, a copy of the verification information provided by the seller was mailed to Ms*** on February 1, 2017.
As verification of the debt had already been provided to her, the subsequent dispute letters Ms*** references in her submission to your office were appropriately responded to by Midland Credit with letters asking for more information and supporting documentation of her dispute claims. To date, no such documentation has been received supporting why the debt would not remain valid. Although verification information provided by the seller was previously mailed to Ms***, 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 FDCPARegarding the connection to ***, N.A., as indicated above, they are the original creditor which in this matter means that they are the issuing bank for the Sears credit card originated by Ms***. The statements provided further show that they were addressed to the same residence listed in the submission filed with your office Ms*** identifies as her own
Ms*** also writes that while Midland Funding continues to report on her consumer credit files, she does not see the original creditor appearing on her credit report. ***, N.A., as the original creditor, may have decided to delete its tradeline when it sold the account. Whether or not the original creditor is reporting the account, the account remains valid. 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
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 *** *** ** *** *** *** *** to assist her in reaching a resolution of the account balance
In the meantime, 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 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: ivf
Enclosure

January 26,
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 January 17, 2018. 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 has no knowledge of the above-referenced account, and states her requests for validation have been ignored. A review of Midland Credit’s business records indicates that it began receiving notices of dispute from the credit reporting agencies on December 7, 2017. In response to each notice received Midland Credit appropriately verified the information it was furnishing to the three major credit reporting agencies. Additionally, verification information provided by the seller was mailed to Ms*** on January 15, 2018.
A copy of the verification information is again enclosed for Ms***’ recordsPlease 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 FDCPAAdditionally, 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
Ms*** writes that she is a victim of identity theft. 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.
Alternatively, if Ms*** now recognizes the account as belonging to her, and 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 *** *** *** ***
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 (8*** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** ***,
Senior Manager Operations, 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.Regards,*** ***

July 2,
VIA E-Mail
*** *** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** * ***
Revdex.com#
***
MCM# ***
Dear *** ***
Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received June 22, 2015. Midland Credit appreciates the opportunity to answer your questions
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on April 23, 2013. Information provided by the seller, *** *** *** ***, at the time of acquisition indicates this account was originated on May 26, 2011, 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 23, 2012. The balance at the time of purchase was $801.00. Final payment on the account was received by Midland Credit on November 15, 2014. *** *** has no further financial obligation for this account
*** *** expresses a concern that she was advised the account would be deleted from her consumer credit reports upon resolution of the account. Midland Credit has finished conducting its investigation regarding the alleged conduct of its employees, and has determined that no violation of company policy occurred. *** *** was advised that the account would report as paid upon payment.
With that said, in keeping with its Consumer-First policy, Midland Credit made the business decision to close the account June 30, 2015. There will be no further collection activity, credit reporting or sale of this account. In addition, the three credit-reporting agencies have been notified to delete Midland Credit’s reference to the collection account in question from *** ***’s consumer credit files
*** *** also expresses a concern with the way she was spoken to by another Midland Credit representative. Midland Credit has conducted an additional investigation and has no record of the representative being rude or unprofessional during that call
Additionally, upon receipt of *** ***’s complaint, a Midland Credit representative was able to contact *** *** and provide a resolution to her complaint over the phone. On June 25, 2015, *** *** was notified that Midland Credit would be removing the tradeline for the account and to allow 30-days for the credit reporting agencies to reflect the same. A subsequent call was received on June 30, 2015, from *** *** wherein she confirmed with the same Midland Credit representative that her credit report no longer reflected Midland Credit reporting the account.
With that said, *** ***’s account will remain in a paid status within Midland Credit’s system of record; however, as stated above, the account is no longer reporting.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at *** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***

Dear *** ***
Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received July 1, 2015. 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 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 accounts. Please note, Midland Credit had no information that the number provided in *** *** complaint was a wrong number for the consumer until receipt of the complaint through your office
*** *** 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, *** ***’s phone number *** *** has been added to an exclusion list to prevent it from being called in the future regarding the referenced accounts.
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at *** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

June 10,
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 May 29, 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.
Midland Credit had no information that it was contacting a wrong number until it was advised as such during a phone call on May 27, 2015. At that time, the phone number was appropriately marked “Do Not Call” in Midland Credit’s computer system for the account. Since then, the phone number has not been dialed. *** *** will continue to no longer receive calls from Midland Credit representatives regarding the referenced account. Additionally, *** *** phone number, *** *** has been added to an exclusion list to prevent it from being called in the future regarding the referenced account
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***
Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at *** *** *** *** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** *** ***
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***

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
These people have NOT provided anything, but the attached letter that I have already providedAgain, attached is the very specific detailed letter that I sent to them on 11/2/In their response on November 17, they indicated that the information they were reporting was correct, but they provided no documentation to substantiate what they are reporting.I have never had an account with *** ***
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
Midland Credit Management (Midland Credit) claims that
account *** has a balance of $1,However, Midland Credit has been
reporting a balance of $1,to the credit reporting bureausMidland
Credit claims that additional interest may have been assessed by the original
creditor on this accountMidland Credit should have documentation showing the
breakdown of the charges on this account, especially since *** *** *** was
the original creditor on this accountThe Consumer Financial Protection Bureau
(***) filed a Consent Order on July 8, against *** *** illegal debt
selling practices (File No2015-***-0013)In that order, the *** orders
that the debt buyer (Midland Credit) receive “the
unpaid balance due on the Account, with a breakdown of the post-Charge-Off balance, interest,
and fees;” Midland Credit SHOULD know if
there were any fees or interest charged by the original creditorAdditionally,
Midland Credit should have “copies of the last eighteen (18) monthly Account
statements.”
I
still affirm that the balances of these alleged accounts are inaccurate and
therefore in violation of the Fair Debt Collection Practices Act (FDCPA)I
have previously provided information confirming thisMidland Credit claims that
“… the balances are higher than the amounts for which Midland Credit
purchased the accountsPlease note that the accounts were purchased from their
respective sellers with all rightsInterest charged by the original creditor
is allowable by lawLikewise, any interest added by Midland Credit is
permissible and was provided for in the contract with the original creditor
when the account was purchasedThis information would also normally be
included in the paperwork the consumer receives when the account is initially
opened.” Midland Credit has never mentioned until now that any interest or fees
were assessed on these alleged accountsI have not received any documentation such as an agreement
from Midland Credit nor from the original creditor showing that Midland Credit
is allowed to charge interestAs per FDCPA (USC 1692f), Midland Credit is
not authorized to collect interest unless “…such amount is expressly
authorized by the agreement creating the debt or permitted by law.” I request that Midland
Credit provide a contract from the original creditor stating that Midland
Credit is authorized to collect interest on these alleged accountsAdditionally,
I request that Midland Credit show how much interest or fees have been
assessed and at what rate
In
regards to account ***, the statement that the balance was at one
point $3,was made by Midland Credit’s representative *** *** at
extension *** as provided by *** ***According to my records, the
conversation in which this statement was made occurred on Monday, October 05,
at approximately 1:13p.mCSTI encourage Midland Credit to investigate
this statement further as I have provided the details which Midland Credit
requestedIt is very clear that Midland Credit is in violation of the Fair
Credit Reporting Act (FCRA) and the FDCPA with this accountMidland Credit
repeatedly denies this but the information is clear and simple: I wrote Midland
Credit asking for debt validation, Midland Credit replied claiming they had proper
verification documentation, then Midland Credit states that “…Midland Credit is
taking additional steps to obtain verification documentation from the seller
for Mr***.” and “Information for account no*** will not be
furnished to the three major credit reporting agencies until Midland Credit is
able to provide *** *** with verification documentation.” It is clear and
simple that Midland Credit is in violation by providing correspondence stating
they had verification documentation when in fact they did not
As per
evidence presented above, Midland Credit has violated the FDCPA and the FCRAI
request all references to these accounts be deleted from my credit reports and
completely removed from my credit file
Regards,
*** ***

September 22,
VIA E-Mail
Ms*** *** ***
Revdex.com of San Diego
Murphy Canyon, Ste
San Diego, CA
Re: Consumer complaint of *** ***
Revdex.com# ***
MCM# ***
Dear Ms***:
Thank you for your follletter inquiry regarding Mr***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received September 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 July 13, 2015. Mr*** now disputes the balance of the account due to interest. As stated in its previous response, the account was purchased from the seller with all rights. Interest charged by the original creditor is allowable by law. Likewise, any interest added by Midland Credit is permissible and was provided for in the contract with the original creditor when the account was purchased. This information would also normally be included in the paperwork the consumer receives when the account is initially opened.
Midland Credit acted in a timely manner and has complied with all applicable laws. However, in keeping with its Consumer-First policy, Midland Credit made the business decision to close the account. There will be no further collection activity, credit reporting or sale of this account. In addition, the three credit-reporting agencies will be notified to delete Midland Credit’s reference to the collection account in question from Mr***’s consumer credit files
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 *** *** *** *** 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:
A re-statement of a company policy that is abusive to customers does not resolve the issue As the letter states, the policy is internal and at the discretion of the company Telling callers this is out of the company's control is a lie
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,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

Dear Revdex.com:
Thank you for your letter inquiry regarding Ms***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received on October 2, 2017. Midland Credit is the servicer of the above-referenced account on behalf of the current owner, Midland Funding, LLC
(“Midland Funding”). Midland Credit appreciates the opportunity to answer your questions
Ms*** expresses a concern that Midland Credit did not respond to her certified letter requesting validation of the above-referenced account. Midland Credit’s business records indicate that it received the first correspondence through certified mail (*** *** *** *** ***) from Ms*** on August 1, 2017. Based on the information Ms*** provided and pursuant to the Texas Finance Code, Midland Credit responded appropriately by mailing her a letter on August 25, advising that Midland Credit had determined that its credit file, and the information it is furnishing for the above-referenced account, was accurate
Prior to receipt of Ms***’s first correspondence, Midland Credit received notice of a dispute through the credit reporting agencies on July 11, 2017. In response to the notice, Midland Credit mailed Ms*** a letter advising that it had determined that its credit file, and the information it is furnishing for the above-referenced account was accurate, along with verification information provided by the seller on July 28, 2017. As the verification information was mailed four days prior to the receipt of Ms***’s correspondence, it was not mailed again at that time. With that said, a copy of the verification information is again enclosed for her records
Please note that the verification information provided by the seller meets the requirements of the Fair Debt Collection Practices Act (“FDCPA”). The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA
Based on the information provided by the seller, Midland Credit has again 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***’s dispute and will be resuming regular collection activities as allowed by the Texas Finance Code and/or the Fair Credit Reporting Act
Ms*** questions whether Midland Credit is bonded to conduct business in the State of Texas. Please assure Ms*** that Midland Credit is bonded in every state which requires such bonding for collection companies. Please have Ms*** contact the Texas Secretary of State for more information regarding bonding requirements
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
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
*** ***
Enclosure

Dear *** ***Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received September 8, Midland Credit appreciates the opportunity to answer your questions.A review of Midland Credit’s business records indicates that *** *** has retained an attorneyGoing forward, all communication about the matter should be handled by her attorney If *** *** is no longer represented by an attorney, please have her provide Midland Credit with written notice so it may update its records and allow its representatives to communicate with her directly.An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on March 30, Information provided by the seller, *** *** at the time of acquisition indicates this account was originated on November 7, 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 May 16, The balance at the time of purchase was $1,A review of Midland Credit’s business records indicates that on November 22, 2015, this account was placed with Midland Credit’s Internal Legal Department (“Internal Legal”) for further servicing *** *** indicates that she authorized a payment of $but $was withdrawn from her accountMidland Credit’s business records indicate that *** *** was charged $The additional $was not charged by Midland CreditPlease note that Midland Credit has recently changed its payment processor to an international vendor, which has resulted in some consumers receiving an international transaction fee Unfortunately, as these fees are determined at the discretion of the financial institution from which the payment is made, Midland Credit is unable to predict if a fee will be applied, or how much it could beMidland Credit respectfully requests that *** *** check with her bank to confirm if the additional $is a fee that her bank may be charging her for this service Midland Credit encourages *** *** attorney to contact Internal Legal to have the difference in the payment refunded/credited to her claim and so that her attorney may discuss another method of payment to avoid additional fees being charged in the future *** *** attorney may reach the Internal Legal Department at P.OBox San Diego, CA Their phone number is*** ***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*** ***

I have asked them to remove the information because its not mineThey never sent me any correspondence with anythingIt is only showing up on *** and not the other two credit reporting bureaus
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,*** ***

October 13,
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 September 29, 2015. Midland Credit appreciates the opportunity to answer your questions
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on September 26, 2013. Information provided by the seller, *** *** *** ***, at the time of acquisition indicates this account was originated on March 26, 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 November 11, 2012. The balance at the time of purchase was $736.29.
A review of Midland Credit’s business records indicates that on December 29, 2013, this account was assigned to *** * *** ***located at *** *** *** *** *** ** ***. Their phone number is *** *** Please note, that the firm has changed its name to the *** * *** *** *** *** *** but maintains the same contact information.
*** *** expresses a concern that he paid the debt in full with the understanding that the account would be removed from his credit report. Midland Credit has forwarded a copy of the complaint to the firm, and *** *** advised that the first initial validation letter was mailed to *** *** on January 2, 2014. On March 13, 2015, *** *** mailed *** *** another letter requesting him to contact their office to discuss a potential settlement offer. When a response was not received, the firm filed suit on June 10, 2015. *** *** business records indicate on September 8, *** *** called the firm and an agreement was reached to pay the account in full for $736.29.
During that call the firm stated that *** *** inquired with the firm about how the account would credit report and to whom. The firm then advised *** *** that it only reports information to Midland Credit which furnishes the information regarding his account to the credit reporting agencies. *** *** was advised that upon resolution of the account, the status of the account would be updated to show the account as being “Paid in Full.” The firm advised that at no point in the conversation did the representative communicate to *** *** that the account would be deleted from his credit report once paid.
*** *** desires to have the above-referenced account deleted from his consumer credit files since the debt has been repaidWhile Midland Credit is pleased that it was able to assist *** *** in reaching a resolution which resolved the balance for the account, it is Midland Credit’s policy to furnish accurate account information. A review of Midland Credit’s business records indicates that it is accurately furnishing information for the above-referenced account as “Account paid in full, was a collection account.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected.
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
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