Western Power Train Repair Ltd

August 30,
VIA E-Mail
Revdex.com of San Diego
Re: Consumer complaint of Ms*** ***
Revdex.com# ***
MCM #:
***
Dear Ms***:
Thank you for your letter inquiry regarding Ms*** complaint, which Midland Credit Management, Inc(“Midland Credit”) received August 21, Midland Credit appreciates the opportunity to answer your questions
An investigation of this matter indicates that the full name of the original creditor for the above-referenced account is *** *** *** *** (“*** ***”). *** *** then sold the account to MHC Receivables, LLC on November 10, 2013, who sold the account to Sherman Originator III, LLC on December 11, 2013. Sherman Originator III, LLC subsequently sold the account to MSW Capital, LLC on December 19, 2013, who then sold the account to Midland Funding LLC, (“Midland Funding”), on or about June 15, 2015, which was immediately placed for servicing with Midland Credit. Information provided by the seller at the time of acquisition indicates this account was originated on May 3, 2011, as a *** *** *** account number ending in ***, in the name of *** ***, under the last four of the social security number ***. Information provided by the seller indicates that *** *** received the last payment for the account on September 1, 2013, for the amount of $56.00. Subsequently, the account was charged-off as an unpaid delinquent-debt on November 10, 2013. The balance at the time of purchase by Midland Funding was $481.77, which is also the current amount due.
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*** indicates that she is not liable for the debt and it should be removed from her credit report. A copy of the verification information provided by the seller is enclosed for Ms*** records. A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate
Per Ms*** concerns, the above-referenced account has been marked “Cease and Desist.” While it remains due and owing, Ms*** will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law
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

I have settled an account with Midland for nearly the entire amount due (out 1900) dollarsThis was for an account purchased from *** *** *** has since removed the tradeline, and I requested that Midland do the same, since I am no longer responsible for the accountI have a
letter from Midland, which confirms that I am no longer responsible for the debtNonetheless, Midland continues to report monthly to the three credit bureaus, which is unfair since I have met my financial obligations

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
If this is my account I do not understand the issue of showing the signature in the account I have stated numerous times to the company & request numerous times only for them to give me the run around as they are doing nowRefusing to show the signature to verify who signed I have stated over & over it was not me Futhermore I have never received mail to my present address from midland They stated my parent's address I did not give them then how did they receive that address Again to resolve this once and for all just show the signature. Regards,*** ***

*** ***
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, Inc("MCM" and the "Company") claims I have an attorney which is incorrectPlease note I am not nor have I ever been represented by an attorney outside of the class action lawsuitI merely indicated if this matter could not be resolved amicably then I would retain an attorneyThis complaint was my last effort to resolve this matter without retaining an attorney
MCM's response is the exact same response I received prior to filing my complaint with the Revdex.comThe Company continues to be allusive regarding their agreement with the original creditor and if they have the ability to charge interest on the charged off debt*** code requires the company provide the contracts, both the original credit card agreement and the contract between the Company and the original creditor to the debtor if requestedI've requested this information several times to no availThey claim they are charging an interest rate less than the original interest rate however, can provide no reason or logic for the 15%*** code also specifies the percent a debt collector is allow to charge and it is well under 15%All in all, MCM has provided no proof they were allowed to charge the post-charge off interest of $to my accountThey have merely taken the "trust me we can charge this" approach hoping I will accept itI do not accept that! They have provided the two pieces of paper (credit card statements) attached to their response here many times which provide only the original debt amount and the interest rate of the credit card which I already knewIt provides no other verification about their ability to charge additional interest in the charged off balance*** *** makes reference to a contract in his June 1, response but has yet to produce the contract to me for review
He further states that they have "made the business decision to stop accruing interest on the account" but what he do not indicate is that there was a company wide policy change to no longer accrue interest on any of the accounts held with their Company effective of December 31, Yet again more word play from MCMI'm sure that policy change came after several similar complaints like mineThey nearly doubled my original debt
I will contact *** ***, the Account Manager in MCM's response, however, I would like my complaint to remain open until I speak with *** *** regarding this matter as I have spoken to many "Account Managers" at MCM with no success
Regards,
*** ***

Dear *** ***
Thank you for your letter inquiry regarding *** *** complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 4, 2016. Midland Credit appreciates the opportunity to answer your questions
*** *** expresses a concern over a lien on his
property at ** *** *** *** ** ***. Following up on the complaint received through your office, in a phone call on January 11, 2016, a Midland Credit representative confirmed the last four digits of *** ***’s social security number. An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer with a name similar to *** ***.’
*** *** indicates that the judgment on the referenced account (judgment number ***) is not associated with *** ***’ address Midland Credit’s business records further indicate that a judgment was not obtained against *** *** with the social security number ending ***. Please note that judgments are reported as a matter of public record. *** *** is encouraged to communicate directly with the credit bureaus or the public records office should he have any further concerns about how a judgment is being reported
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to *** ***. Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext*** should you have any further questions
Sincerely,
Midland Credit Management, Inc
*** ***, Esq
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
*** ***

DATE \@ "MMMM
d, yyyy" September 13,
"Arial",sans-serif">
VIA E-Mail
Revdex.com of San Diego
Re:
Consumer complaint of *** ***
Revdex.com# ***
MCM #: ***
Original Creditor: *** *** *** ***
Original Account #: ***
Dear Revdex.com:
Thank you for your letter inquiry regarding Ms
***’s complaint, which Midland Credit Management, Inc(“Midland
Credit”) received on September 5, 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
While not the only item of concern in Ms
***’s complaint, she indicates that she has no contract with Midland Credit
and has never done business with the company.
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*** indicates that she is not responsible
for the debt. A review of Midland
Credit’s business records indicates that verification information provided by
the seller was mailed to Ms*** on June 29, and again on April 17,
2017. A copy of the verification
information provided by the seller is again enclosed for her records. A review of Midland Credit’s business records
indicates that the account information it is furnishing to the three major
credit reporting agencies is accurate
Per Ms***’s previous refusal to pay the
debt, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, Ms***
will continue to not receive contact from Midland Credit representatives unless
a response is required by law
If Ms*** is ready to resolve the
above-referenced debt, she may qualify for a reduction in her account
balance. Please have Ms*** call
Midland Credit Account Manager *** *** at (800) 825-ext*** to
assist her in reaching a resolution of her 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
*** ***
Enclosure

March 8, 2018VIA E-MailRevdex.com of San DiegoRe: Consumer complaint of *** A ***Revdex.com# ***MCM #: ***Original Creditor: *** *** *** ***Original Account #: ***Dear Revdex.com:Thank you for your letter inquiry regarding Mr***’ complaint, which Midland Credit Management, Inc
(“Midland Credit”) received on February 26, Midland Credit is the servicer of the above-referenced account on behalf of the current owner, Midland Funding, LLC (“Midland Funding”) Midland Credit appreciates the opportunity to answer your questions.Mr*** filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”) Given that Midland Credit’s response to the complaint from your office would be the same as the response which Midland Credit previously provided to the CFPB, a copy of that response is enclosed. Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Mr***.Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext*** should you have any further questions.Sincerely, Midland Credit Management, Inc.*** ***Senior Manager Operations, Consumer Support ServicesAR: ***Enclosure

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I agree with the "cease and desist" action; however, I would also request this account be removed from/stop reporting to the three major credit reporting agencies
Regards,
*** ***

Dear Ms***:
Thank you for your letter inquiry regarding Mr***’s complaint,
which Midland Credit Management, Inc(“Midland Credit”) received June
23, 2017. Midland Credit appreciates the
opportunity to answer your questions
An investigation of
this
matter indicates that Midland Credit became the servicer of the
above-referenced account on behalf of purchaser, Midland Funding, LLC (“Midland
Funding”), on January 12, 2017. Information provided by the seller, Citibank,
N.A.,
at the time of acquisition indicates this account originated on March
3, 2011, as a Citibank, N.A./Best Buy Visa 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 14, 2016. The balance at the time of purchase was $
Mr*** writes that he has 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*** also expresses concern that he has
no knowledge of the debt, and has not been given any validation. Midland Credit sent a validation letter to Mr
*** on February 24, 2017. In the
letter, Midland Credit informed Mr*** that Midland Funding had acquired
the account, and provided the required disclosure of rights under the Fair Debt
Collection Practices Act (“FDCPA”).
Please note that the letter was mailed to Mr*** at the same
address listed within the complaint, and was not returned as “undeliverable” by
the United States Postal Service, satisfying the notification requirements of
the FDCPA
Midland Credit’s business records indicate that
it did not receive any correspondence disputing the debt or requesting
validation from Mr*** in response to the letter. In fact, no
correspondence was received directly from Mr*** prior to the complaint
filed through your office. A copy of the
verification information provided by the seller is enclosed. 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
Mr*** further states
that his identity was compromised during an incident in 2014, and that accounts
were opened in his name for which he is not liable. A review of business records indicates that
this account was opened in 2011, prior to the incident referenced by Mr
***. However, if Mr*** has
further details or information that would substantiate his claim, he is
encouraged to contact Midland Credit at the contact information listed on this
letterhead, so that it may investigate Mr***’s concerns further
Mr*** also states that he is a veteran
and disabled. Midland Credit is
sensitive to Mr***’s situation, and in keeping with the Forgiveness and
Hardship Guidelines found in Article of its Consumer Bill of Rights, will
cease collection activities once it receives documentation from Mr***
identifying that his only source of income is from an exempt income
source. Mr*** can contact Midland
Credit online at www.midlandcreditonline.com/consumer-resolution-center/ or using the contact
information on this letterhead
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-extshould you have any further questions
Sincerely,
Midland Credit
Management, Inc
*** ***
Division Manager, Consumer Support Services
AR: ***
Enclosure

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

Please note that Midland Credit Management, Inc(“Midland Credit”) requires additional time to obtain information regarding this matter Thank you for your understanding; Midland Credit anticipates providing your office with a complete response within days from the date of this
notification

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 called to give my social security number and I have not heard anything back
Regards,
*** ***

December 22,
VIA E-Mail
Revdex.com of San Diego
Re: *** *** ** *** ***
Revdex.com# ***
MCM #:
***
Original ***or: *** One ***, N.A
Original *** #: ***
Dear Revdex.com:
Thank you for your letter inquiry regarding Ms***’s complaint, which Midland *** Management, Inc(“Midland ***”) received on December 12, 2017. Midland *** is the servicer of the above-referenced *** on behalf of the current owner, Midland Funding, LLC (“Midland Funding”). Midland *** appreciates the opportunity to answer your questions
Ms*** filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”). Given that Midland ***’s response to the complaint from your office would be the same as the response which Midland *** previously provided to the CFPB, a copy of that response is enclosed
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,
*** *** *** ***
*** ***
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 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,
*** ***

I have attached the Authorization form I am giving permission to publish everything I do not have anything to hide from the public I feel the public needs to know what my expeiance has been

April 20,
VIA E-Mail*** ***Revdex.com of San DiegoMurphy Canyon, Ste110San Diego, CA
Re: Consumer complaint of *** ***Revdex.com# ***MCM# ***
Dear Ms***:
Thank you for your letter inquiry regarding Ms*** complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 10, 2017. The account identifying information was provided to Ms*** in Midland Credit’s previous response to your office dated December 22, 2016. As noted in that previous response, Ms*** account was placed with *** * *** P.A(“Sessoms Law”) for servicing on August 9, 2015. A copy of that response is again enclosed for your records, which includes a copy of the judgment obtained in the matter.
Ms*** includes several allegations against Midland Credit in her most recent complaint, the first being that Midland Credit failed to report her request for a Cease and Desist to the credit reporting agenciesMidland Credit received a notice of possible dispute from the credit reporting agencies on November 11, and appropriately marked the account as disputed and notified the credit reporting agencies that the account was disputedMidland Credit has continued to report the account as disputed appropriately. It is not required that companies notify the credit bureaus of consumer requests they receive to cease contact
Midland Credit received a written request for a Cease and Desist from Ms*** on October 15, and updated its records accordingly at that timeThe account will remain marked “Cease and Desist” and Ms*** will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law or it is for a specific action related to legal efforts on its behalf
Ms*** alleges that the statute of limitations has passed. The passing of the statute of limitations would eliminate litigation as a potential remedy. However, the statute of limitations for the account was set to expire on July 18, and suit was filed on November 4, 2015, within the allowable time frame. The judgment remains valid
Ms*** states that Midland Credit filed misleading Collection Affidavits*** *** advises that is not the case. Based on the information available to it, Midland Credit must respectfully conclude that the documents filed in the matter were appropriate, as shown by the court granting the judgment.
Ms*** writes that Midland Credit has listed open and closed dates without explanation of interest calculationsWhile Midland Credit is sensitive to Ms*** concerns, Midland Credit does not alter or modify any of the original account information provided by the seller, such as the name of the consumer, the date of origination, or the date of occurrence. Midland Credit furnishes account information on the accounts it services based on the business records maintained by the original lender/seller. The open date listed on Ms*** credit report is in fact the date of purchase by Midland Funding LLC. In accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date being furnished for this account reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.” The account information Midland Credit is furnishing to the three major credit reporting agencies is accurate
If Ms*** is referring to seeing information about the judgment on her credit report, please note that Midland Credit does not furnish judgment information to the credit bureaus. That information is reported by the bureaus themselves as a matter of public record. If Ms*** has any concerns about the way the judgment may be reporting, she is encouraged to contact the credit bureaus directly
In regard to Ms*** concerns about interest calculations, please note that neither Midland Credit nor *** *** have added any interest to the balance due. *** *** did incur costs related to litigation pursued in the matter, but there has been no interest added to the debt balance Midland Funding purchased from the seller
Lastly, Ms*** refers to a settlement agreement between Midland Credit and the Consumer Financial Protection BureauWhile the agreement contemplated restitution payments for certain defined accounts, it did not render all accounts serviced by Midland Credit invalid or unenforceable. Ms*** account was not included in the population of accounts impacted. As such, Midland Credit respectfully declines Ms*** request for monetary compensation and encourages her to work with *** *** to assist in reaching a positive resolutionMs*** may reach *** *** ** *** *** ** *** *** *** *** ** *** *** *** *** ** *** ***
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 ServicesAR: cld
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
Under the FDCPA I have a right to request validation of the debt you say that I oweI am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to USC 1692g Sec(b) of the FDCPAI respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your office has or continues to report invalidated information to any of the three major credit bureaus (Equifax, Experian, TransUnion), this action might constitute fraud under both federal and state lawsDue to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following: Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require days to investigate this information and during such time all collection activity must cease and desistAlso, during the validation period, if any action is taken which could be considered detrimental to any of my credit reportsI will consult with legal counsel for suitThis includes any listing of any information to a credit reporting repository that could be inaccurate or invalidatedIf your offices fail to respond fail to respond to this 2nd validation request within days from the date of your receipt, all references to this account MUST be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATIONPlease provide the following:Agreement with your client that grants you the authority to collect on this alleged debt.Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been/being made by any creditor regarding this account. Any judgments obtained by any creditor regarding this account.Name and address of alleged creditor. Alleged account number. Amount of alleged debt.Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this alleged debt was assigned or sold to collector.Complete accounting of alleged debt.Commissions for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for MIDLAND FUNDING LLC in case legal action becomes necessaryYour claim cannot and WILL NOT be considered if any portion of the above is not completed and returned copies of ALL requested documents are not sent to me via mail at *** *** *** *** *** ** ***This is a request for validation made pursuant of the FDCPAAllow days for processing after I receive this information back.
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 business reports that there was no communication when there was in fact communication in court between my self and legal counsel for the businessAs I detailed in my original complaint as a result of these deceptive and most likely fraudulent practices were used to obtain the judgment in question and as a result of these practices I suffered significant financial consequencesWhile the business attests it has validated the debt in the past yet at the same time contests they received no request from me to validate itWhat agency validates a debt without a request to do so? I will restate that I wish to have a complete validation and verification of this debt I still have not received anything to this effectIn addition to to my request for validation and verification of this debt along with the contract signed showing my signature and the terms and conditions of that contract with original creditorAdditionally, I would like midland to furnish the payment history for this account and an exact date of when it was first reported delinquent and proof that midland had the right to collect on the debt and had the right to resell the debt and that is is entitled to still report this debtAdditionally, I would like copies of the correspondence that Midland affirms it sent in compliance with Fair Debt Collection Practices Act along with those it claims was sent from PresslerI would additionally request information to the history of the account any previous holder's of this debt and anyone that midland may have sold and/or recalled the debt, along with contact information for those companiesThis company is under government action for repeatedly engaging in the kind of practices involved specifically my complaintEither directly or through its affiliates solicited information through the courts under the pretense of setting up an arrangement to pay off the debtInstead no communication was made after and a judgment was executed in a manner which I have reason to believe obtained in a fraudulent manner either by deceiving the court or misrepresenting meeting the requirements to obtain the judgment.Additionally, the business deflected responsibility for the judgement still being reported to the credit agencies stating I need to contact them directlyThe issue is credit agencies will not remove the debt without documentation from the courts showing that it has Midland clearly acknowledges it received payment in full yet a public records search clearly shows that this judgment is still list as being open in the county that it was filedIt appears that Midland was more than happy in receiving the payment for the debt and never reported it as being satisfied which has been damaging my credit and causing undue stress.Online research with the agencies shows that once a judgment is reported as being satisfied within the courts it will be removed from the credit reportYet instead of the providing the courtesy of reporting the debt as being satisfied, it would appear that Midland would rather add insult to injury and send me on the wild goose chase to contact the credit agencies only to have them confirm it is still open in the court and then contact the court only to have them to tell me I need to contact midland and have them report it as being satisfied.This is clearly explained here: http://www.experian.com/blogs/ask-experian/2014/11/01/why-judgments-still-appear...⇄ business asserts in its response that "Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights" but their response is not indicative of this at allInstead, the response reads like a cookie cutter automated template generated by a computed based on criteria fed into a computer systemIt does not look as if a real person looked into this it at allIt is this same technology they use to get judgements illegaly and fraudulently robo-signed by courts which I believe happened to me in the first place
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. The business has accepted payment in full and I consider this complaint resolvedI would also draw your attention to the fact that I e-mailed the Revdex.com on August thanking them for their intervention and advising the business had contacted me and that they had accepted payment in full
Sincerely,
*** ** ***