Western Power Train Repair Ltd

DATE \@ "MMMM
d, yyyy" August 25,
"Arial",sans-serif">
VIA E-Mail
Revdex.com of San Diego
Re:
Consumer complaint of [redacted] [redacted]
Revdex.com# [redacted]
MCM
#: [redacted]
Original Creditor: [redacted]
Original Account #: [redacted]
Dear Revdex.com:
Thank you for your letter inquiry regarding Mr[redacted] complaint,
which Midland Credit Management, Inc("Midland Credit") received August
16, 2017. Midland Credit is the servicer of
the above-referenced account on behalf of the current owner, Midland Funding,
LLC ("Midland Funding"). Midland Credit
appreciates the opportunity to answer your questions
Mr[redacted] has expressed
similar concerns in complaints previously received from the Consumer Financial
Protection Bureau ("CFPB"), on February 10, 2017, June 5, 2017, and most
recently on August 4, 2017. Given that
Midland Credit's response to the complaint from your office would be the same
as the responses which Midland Credit previously provided to the
CFPB, copies of those responses are enclosed.
Please assure Mr[redacted] that Midland Credit is
a reputable firm, and that it is a member of the Revdex.com of San
Diego in good standing. With numerous
scams noted in the media, it can be confusing for a consumer to discern which
companies are operating within the law
Midland Credit considers consumer complaints a
serious matter and fully respects consumers' rights. Midland Credit apologizes for the
inconvenience caused to Mr[redacted]
Thank you again for your assistance in this
matter. Please contact Midland Credit's Consumer Support Services team at
(800) 825-ext[redacted] should you have any further questions
Sincerely,
Midland Credit
Management, Inc
[redacted]
Division Manager, Consumer Support Services
AR: [redacted]
Enclosure

Dear [redacted]
Thank you for your letter inquiry
regarding [redacted] complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received November
10, 2015.  Midland Credit appreciates the
opportunity to answer your questions.
[redacted] filed a similar complaint...

through the Consumer Financial Protection
Bureau (“CFPB”).  A copy of Midland Credit’s response to the CFPB is
enclosed.  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 11, 2015.  Information provided by the seller, [redacted], at the time of acquisition indicates this account
originated on March 31, 1999, as a [redacted] account
number ending in [redacted], in the name of [redacted], under the last four of
the social security number [redacted].  Subsequently,
the account was charged-off as an unpaid delinquent-debt on April 24, 2014.  The balance at the time of purchase by
Midland Funding was $22,734.85.
Ms.
[redacted] expresses a concern that she has not received validation of this debt.  Midland Credit sent Ms. [redacted] a validation
letter on March 18, 2015.  In the letter,
Midland Credit informed her that Midland Funding had acquired the account, and
provided the required disclosure of rights set forth in the Fair Debt
Collection Practices Act, 15 U.S.C. § 1692 et
seq.  (“FDCPA”).  Please note that the letter was mailed to Ms.
[redacted] at the same address listed within her complaint, and was not returned
as “undeliverable” by the United States Postal Service, satisfying the
notification requirements of the FDCPA.  15 U.S.C. § 1692.
Midland
Credit’s business records indicate that it received the first correspondence
from Ms. [redacted] on August 7, 2015. 
Based on the information Ms. [redacted] provided and pursuant to the Texas
Finance Code, Midland Credit responded by sending her a letter on August 12,
2015 advising that Midland Credit had determined that its credit file, and the
information it is furnishing for the above-referenced account, was accurate.
Upon
receipt of Ms. [redacted]s previous complaint, Midland Credit acknowledged Ms.
[redacted]s dispute, annotated the account as disputed, and ceased collection efforts
while it is in the process of verifying the debt.  Once Midland Credit has obtained verification
of the debt, a copy will be mailed to your office.  Additionally, Midland Credit will not furnish
account information to the three major credit reporting agencies until it is
able to provide Ms. [redacted] with verification of the debt.
Midland
Credit considers consumer complaints a serious matter and fully respects
consumers’ rights.  Midland Credit
apologizes for the inconvenience caused to Ms. [redacted].
Thank
you again for your assistance in this matter.  Please contact Midland
Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you
have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted],
Esq.
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
[redacted]
Enclosure

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
After reading the response the statements are false and they have still yet proved that this debit is valid and belongs to me! (NOTICE OF DISPUTE OF DEBT and REQUEST FOR DEBT VALIDATION)
Midland Credit Management, Inc
P.O Box 939069
San Diego, CA 92193
Dear Sir or Madam:
Your office has sent in a response with the Revdex.com about a debt
you claim I owe but which I have no knowledge of. The purpose of this letter is
to dispute this debt, which I do not believe I owe, and to request that you
validate it by providing the documentation and information requested below.
This is not a refusal to pay, but a notice sent pursuant to the Fair Debt
Collection Practices Act, 15 USC 1692g Section 809(b) that your claim is
disputed and validation is requested.
Pursuant to Section 809(b) of the Fair Debt Collection
Practices Act:
“If the consumer notifies the debt collector in writing
within the 30-day period described in subsection (a) that the debt, or any
portion thereof, is disputed, or that the consumer requests the name and
address of the original creditor, the debt collector shall cease collection of
the debt, or any disputed portion thereof, until the debt collector obtains
verification of the debt or any copy of a judgment, or the name and address of
the original creditor, and a copy of such verification or judgment, or name and
address of the original creditor, is mailed to the consumer by the debt
collector.”
Accordingly, please provide me with the following:
1. A detailed accounting of what the money you say I owe is
for;
2. A detailed explanation of how you calculated the amount
you say I owe;
3. Copies of any documents that show I agreed to pay what
you say I owe;
4. Identify the original creditor and provide their current
contact information;
5. Proof that the Statute of Limitations has not expired on
this account;
6. Documentation showing that you have the legal right to
collect this debt;
7. Documentation showing that you are licensed to collect in
my state; and
8. Provide me with the contact information for your
Registered Agent for Service of Process.
I am fully aware of my rights under the Fair Debt Collection
Practices Act and the Fair Credit Reporting Act and I know that because I have
disputed this debt in writing within 30 days of the date of your bill, you must
obtain verification of the debt against me and mail these items to me at your
expense.
Additionally, you cannot add interest or fees except those
allowed by the original contract or state law. While you are not required to
respond to this dispute, any attempt to collect this debt without validating it
violates the Fair Debt Collection Practices Act.
Also be advised that I am keeping very accurate records of
all correspondence from you and your company, and I will not hesitate to report
violations of the law to my State Attorney General, the Federal Trade
Commission and the Revdex.com.
I have disputed this debt; therefore, until validated, you
know your information concerning this debt is inaccurate. Therefore, if you
have already reported this debt to any credit-reporting agency, such as
Experian, Equifax or TransUnion, then you must immediately inform them of my
dispute with this debt.
Furthermore, reporting information that you know to be
inaccurate or failing to report information correctly violates the Fair Credit
Reporting Act. If your offices have reported invalidated information to any
credit reporting agency, said action might constitute fraud under both Federal
and State Laws.
Yours truly:
 
[redacted]
Regards,
[redacted]

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], 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 received a letter from this company several days ago. They claim I owe over 5,000.00 to [redacted]. This claim is over 15 years old which I settled many years ago. By [redacted] law anything over 10 years old can no longer be pursued. . I have received phone calls from this company as well, my number of [redacted] is not listed and I have not given that number to anyone.
Desired Outcome: I wish to longer receive contact by mail or phone call from this company.
This a new complaint, I am getting phone calls from Midland Credit Management about a claim they believe is attached to me . I am very upset they have contacted me at my house since it is unlisted and I have never given out my home number ever.
Desired Outcome: I do not want them contacting me again. I believe this company acts in an unethical manner.
I have complained before about this company, I have complained about them calling me on a unlisted number I have never given out. Now they are calling me on a Sunday before 1pm which I know is not legal. I believe this company is highly unethical and is now harassing me, they call 6-10 times a day.
Desired Outcome: I wish no further contact from this company either by phone or letter or I will escalate this issue with the attorney general of my state.
Regards,[redacted]

Dear Revdex.com:
 
Thank you for your letter inquiry regarding...

Ms. [redacted]’s
complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received on
August 17, 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. [redacted] expresses a
concern that her credit report has not been updated to reflect the
above-referenced account as paid although she has satisfied the account
balance.  A review of Midland Credit’s business
records confirms that it received a payment to resolve this account on April
25, 2017, and the account was settled in Midland Credit’s system as of May 2017.  At that time, Midland Credit advised the
three major credit reporting agencies to reflect the status of the account as
paid, with a zero balance.
 
Please note, in keeping
with its Consumer-First approach, Midland Credit updated its policy regarding
paid tradelines where the date of delinquency is over two years old.  Ms. [redacted]’s account qualified for the
collection tradeline to be deleted under this policy in July 2017.  As such, the three major credit reporting
agencies were notified to remove the Midland Funding collection tradeline
entirely regarding this account on July 21, 2017.
 
If Ms. [redacted] has any
further concerns about information currently appearing on her consumer credit
files, Midland Credit would request that she provide a copy of the information she
is seeing to Midland Credit for further investigation.  Ms. [redacted] continues to have no further
financial obligation for this account.
 
Midland Credit considers
consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the
inconvenience caused to Ms. [redacted]. 
 
Thank you again for your
assistance in this matter.  Please contact Midland Credit’s Consumer
Support Services team at (800) 825-8131 ext. [redacted] should you have any further
questions.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], 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 continues to not provide the verification of debt that I ask for. I am in need of the original documentation that I own this debt. While I appreciate the information provided and its a start.  I am not satisfied with the results. Transunion and Experian continues to show this as a open accounts while Equifax shows this as a collections closed account and the debt with a type of open. They are submitting this to the bureaus as  a active account and the end value is increasing. I understand they may have bought this account from the original creditors in which they have yet to dispute if the information was provided correctly or if I even own the debt. I will dispute the information with [redacted] and [redacted] . I need them to stop submitting this false information to my credit report. 
Regards,
[redacted]

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.This debt was settled with another creditor
I have submitted a complaint through MCM's complaint portal as well and appreciate your help very much. Regards,[redacted]

see attached

December 14, 2017
 
VIA E-Mail
Revdex.com of San Diego
 
Re:      Consumer complaint of [redacted]
Revdex.com#...

[redacted]
                        MCM #: [redacted]
Original Creditor: [redacted] 
Original Account #: [redacted]
Affinity: [redacted] 
 
Dear Revdex.com:
 
Thank you for your letter inquiry regarding Ms. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received December 4, 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. [redacted] states that Midland Credit has failed to validate an account it placed on her consumer credit files.  A review of Midland Credit’s business records indicates that it began receiving notices of dispute through the credit reporting agencies on September 16, 2017.  In response to each dispute, Midland Credit appropriately verified that the information it was furnishing to the credit reporting agencies was accurate.  Additionally, a copy of the verification information provided by the seller was mailed to Ms. [redacted] on October 2, 2017. 
 
A further review of Midland Credit’s business records indicates that it received the first written correspondence requesting validation directly from Ms. [redacted] on November 9, 2017.  In response, as verification information was recently mailed to Ms. [redacted], Midland Credit mailed a letter requesting additional information regarding Ms. [redacted]’s dispute.
 
A copy of the verification information provided by the seller is once 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.  If Ms. [redacted] is ready to resolve the above-referenced debt, Ms. [redacted] may qualify for a reduction in her account balance.  Please have Ms. [redacted] call a Midland Credit Account Manager at (800) 825-8131 ext. [redacted] to assist her in reaching a resolution of the account balance.
 
In the meantime, Per Ms. [redacted]’s previous request, the above-referenced account will remain marked “Cease and Desist.”  While it remains due and owing, Ms. [redacted] 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. [redacted]. 
 
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.
 
Sincerely,
Midland Credit Management, Inc.
 
[redacted]
Senior Manager Operations, Consumer Support Services
AR: kmb
 
Enclosure

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I do not have a signed contract nor any contract with Midland Credit Management. I have never done business with this company. I am not liable for collection from this debt from [redacted]. I am not responsible for this debt with  Midland Credit Management.
Regards,
[redacted]

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.Regards,[redacted] I never received a response back from Midland as they're claiming after I sent them a validation letter. I've asked from the original creditor [redacted] for evidence on this accout and their only response was they sold this debt to another credit agency which was not midland funding. Midland funding is the 2nd creditor on this account . Neither debt collectors have provided me with any options on how to dispute this debt. The original creditor I believe is [redacted] and once they sold this debt its out of their hands. Im in the process of buying a home and I don't need a fraud alert on my credit report nor do I need this collections from Midland funding reporting a false account on my credit report.
After reading about [redacted] and doing a lot of research I see how easy it is to optain a card online without having to prove identity I can see why this would be an issue for many. Im asking Midland funding to please tell me how this card was obtained and proof other then a computer generated bill that Midland has determined that this account is mine in the form of verifying my identity which Midland has not done. [redacted] is  $400 past due and Midland is reporting $787 just doesn't make any sense . Please have this resolved.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
As you can see this is not a validation of debt according to FCRA and FDCPA. A billing statement does not prove that this is a valid verification of debt. I would like the collection agency Midland Funding to promptly delete collection activity off my credit report.
Regards,
[redacted]

Dear [redacted]
Thank you for your follow-up letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received January 7, 2016.  Midland Credit appreciates the opportunity to answer your questions.
[redacted] expresses concern about the account status and would like confirmation the debt will not be sold or placed on his credit report.  As indicated in its response to your office on December 31, 2015, the above-referenced account has been closed and the three credit reporting agencies were notified to remove Midland Credit’s reference to the account from [redacted] consumer credit files.  There will continue to be no collection activity on the account; the account will not be resold; and Midland Credit will not request that the account appear again on his credit report. 
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
 
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]

Dear Revdex.com:Thank you for your letter inquiry regarding Ms. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received July 24, 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. [redacted] expresses a concern that she was unable to make a payment on her account.  In a previous communication with our company, Ms. [redacted] requested Midland Credit not communicate with her by phone or by mail regarding collection of the above-referenced account.  As such, the account was marked “Cease and Desist.”  Midland Credit was unable to discuss the account with Ms. [redacted] unless a response was required by law. With that said, on July 31, 2017, Midland Credit received an email from Ms. [redacted] requesting the “Cease and Desist” be removed from the above-referenced account.  Midland Credit’s business records further indicate that on July 31, 2017, Ms. [redacted] spoke with a Midland Credit account manager to set up a new payment arrangement to resolve the account balance.  Final payment on the account was received by Midland Credit on July 31, 2017.  Ms. [redacted] has no further financial obligation for this account.Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to Ms. [redacted].Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.Sincerely, Midland Credit Management, Inc.[redacted]Division Manager, Consumer Support Services[redacted]

DATE \@ "MMMM
d, yyyy" March 19, 2018
 
VIA E-Mail
Revdex.com of San Diego
 
Re:
     Consumer complaint of [redacted]
Revdex.com# [redacted]
                        MCM #: [redacted]
Original Creditor: Credit
One Bank, N.A.
Original Account #: [redacted]
 
MCM #: [redacted]
Original Creditor:
[redacted]
Original Account #:
[redacted]
Affinity: [redacted]
 
Dear Revdex.com:
 
Thank you for your follow-up inquiry regarding Ms.
[redacted]’s complaint, which Midland Credit Management, Inc. (“Midland
Credit”) received March 9, 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. [redacted] indicates that she did not receive
letters from the original creditor advising her the accounts were being charged
off and sold.  Please note, Midland
Credit is unable to address any concerns Ms. [redacted] may have regarding
information that would have been provided by the original creditors of the accounts. 
With that said, Midland Credit mailed Ms. [redacted] separate and unique
validation letters – on February 28, 2014, for account no. [redacted], and on
June 9, 2014, for account no. [redacted]. These letters informed her that
Midland Funding had acquired the accounts, and of her rights under the Fair
Debt Collection Practices Act (“FDCPA”).  The letters were not returned as
“undeliverable” by the United States Postal Service, satisfying the
notification requirements of the FDCPA.
 
Ms. [redacted] states that
there are two accounts on her credit report, and they are
reporting with different dates with the difference credit reporting agencies.  Midland Credit furnishes the same information
for accounts to each of the three major credit reporting agencies.  However, Midland Credit has no control over
the manner in which each credit reporting agency decides to display information
that is furnished.  Ms. [redacted] is
encouraged to communicate directly with the credit bureaus should she have any
further concerns.
 
The verification information for each of the
referenced accounts was previously provided to Ms. [redacted] in Midland Credit’s
response to her concerns through the Consumer Financial Protection Bureau, and
is once 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.
 
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 Ms. [redacted]’s dispute and will be resuming regular collection
activities as allowed by the Texas Finance Code and/or the Fair Credit
Reporting Act.
 
Midland Credit stands ready to assist Ms.
[redacted] 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. [redacted] 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.
[redacted] can then provide a copy of the affidavit to Midland Credit. 
 
Per Ms. [redacted]’s previous request, the
above-referenced accounts will remain marked “Cease and Desist.”  While they remain due and owing, Ms. [redacted]
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. [redacted].
 
Thank you again for your assistance in this
matter.  Please contact Midland Credit’s Consumer Support Services team at
(800) 825-8131 ext. [redacted] should you have any further questions.
 
Sincerely,
Midland Credit Management, Inc.
 
[redacted]
Senior Manager Operations, Consumer Support
Services
[redacted]
 
Enclosure

December 8, 2017VIA E-MailRevdex.com of San DiegoRe: Consumer complaint of [redacted]Revdex.com# [redacted] MCM #: [redacted]Original Creditor: [redacted], N.A.Original Account #: [redacted]Affinity: [redacted]Dear Revdex.com:Thank you for your letter inquiry regarding Mrs. [redacted]’s complaint, which...

Midland Credit Management, Inc. (“Midland Credit”) received on November 28, 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.Mrs. [redacted] states that she is being asked to pay for a [redacted] credit card that she previously paid off.  Mrs. [redacted] also states that she never received a physical card after the account was switched from [redacted] to [redacted], and believes the account was opened as a result of fraud.  A review of the billing statements for the account indicates that as of February 14, 2016, the account balance was $4,172.59, and payments continued to be made on the account until June 12, 2016, when the balance was $4,008.76.  Subsequent statements reflect the change from [redacted] to [redacted], and the account was charged off with a balance of $4,811.42.  Please note that no additional charges were made shortly prior to or after the account changed from [redacted] to [redacted], and the statements as of November 2016 and later reflect the same address provided in Mrs. [redacted]’s complaint.  Midland Credit must respectfully conclude that the balance is valid.  The verification information provided by the seller, which includes copies of billing statements, is enclosed for Mrs. [redacted]’s records.Mrs. [redacted]es frustration that Midland Credit representatives refused to disclose information to her because she refused to verify the social security number.  Please note that it is Midland Credit’s policy to verify the consumer’s information on each call, to ensure it does not disclose personal information to the wrong individual, as well as to protect the privacy of those with whom Midland Credit conducts business.  Because Mrs. [redacted] refused to verify her information, the Midland Credit representatives with whom she spoke were unable to disclose information to her.Mrs. [redacted] also indicates that she received excessive phone calls from Midland Credit representatives.  Please be assured that Midland Credit has safeguards in place to ensure that its calls are being placed according to applicable law.  A review of Midland Credit’s business records indicates that Midland Credit did not call Mrs. [redacted] more often than is allowable.Per Mrs. [redacted]’s request to not be contacted, the above-referenced account has been marked “Cease and Desist.”  While it remains due and owing, Mrs. [redacted] will no longer receive contact from Midland Credit representatives unless a response is required by law.On November 6, 2017, Mrs. [redacted] spoke with a Midland Credit representative and [redacted]ed similar concerns as in her complaint.  However, later that same day, Mrs. [redacted]’s husband called Midland Credit and stated that he had discussed the matter with her, said the account was no longer under dispute, and set up a payment plan.  After receipt of Mrs. [redacted]’s complaint, Midland Credit attempted to contact her to obtain clarification if she was continuing to dispute the account, but was unable to reach her.In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, Mrs. [redacted]’s account has been referred to Account Manager Doris Arce. Please have Mrs. [redacted] call her at (800) 825-8131 ext. [redacted] to assist in reaching a resolution of the account.Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to Mrs. [redacted].Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.Sincerely, Midland Credit Management, Inc.
[redacted]Senior Manager Operations, Consumer Support Services[redacted]Enclosure

June 27, 2017
 
VIA E-Mail
 
[redacted]
Revdex.com of San Diego
 
Re:      Consumer complaint of [redacted]
Revdex.com#...

[redacted]
                        MCM# [redacted]
 
Dear Ms. [redacted]:
 
Thank you for your letter inquiry regarding Ms. [redacted]’ complaint, which Midland Credit Management, Inc. (“Midland Credit”) received June 19, 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 March 27, 2015.  Information provided by the seller, [redacted] Bank, at the time of acquisition indicates this account originated on October 1, 2013, as a [redacted]) credit card account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted].  Subsequently, the account was charged-off as an unpaid delinquent-debt on February 18, 2015.  The balance at the time of purchase was $599.52, which is also the current balance on the account.
Ms. [redacted] expresses a concern that Midland Credit has ignored her requests for validation.  On April 1, 2015, Midland Credit mailed her a validation letter, which informed her that Midland Funding had acquired the account, and informed Ms. [redacted] of her rights under the Fair Debt Collection Practices Act (“FDCPA”).  The letter was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA.  A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from the consumer on March 14, 2017.  Although verification information provided by the seller was mailed to her in response to her dispute on April 10, 2017, a copy of that documentation is enclosed for Ms. [redacted]’ 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.  In addition, 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. [redacted] is ready to resolve the above-referenced debt, she may qualify for a reduction in her account balance.  Please have Ms. [redacted] call Account Manager [redacted] at [redacted] 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. [redacted]. 
 
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.
 
Sincerely,
Midland Credit Management, Inc.
 
[redacted]
Division Manager, Consumer Support Services
AR: cl
 
Enclosure

June 1, 2016
 
Re:      Consumer complaint of [redacted] J [redacted]
Revdex.com# [redacted]
                        MCM# [redacted]
 
Dear Ms....

[redacted]:
 
Thank you for your letter inquiry regarding Mr. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received May 19, 2016.  Midland Credit appreciates the opportunity to answer your questions.
 
A review of Midland Credit’s business records indicates that Mr. [redacted] has retained an attorney. Going forward, all communication about the matter should be handled by his attorney, the Law offices of [redacted], LLC.  If Mr. [redacted] 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.
 
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 [redacted], N.A.  [redacted], N.A. then sold the account to [redacted]s, LLC on or about May 8, 2014.  [redacted]s, LLC subsequently sold the account to [redacted], LLC on or about June 13, 2014.  [redacted], LLC then sold the account to Midland Funding on or about June 20, 2014.  Information provided by the seller, [redacted], LLC, at the time of acquisition indicates this account was originated on October 2, 2013 as a [redacted], N.A. [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted].  Subsequently, the account was charged-off as an unpaid delinquent-debt on May 8, 2014.  The balance at the time of purchase was $581.57.  A copy of the verification information provided by the seller is enclosed for your records.
 
During a phone conversation Mr. [redacted] had with a Midland Credit representative on November 4, 2015, he agreed to pay the account in full.  Final payment on the account was received by Midland Credit and processed in the amount of $581.57 on the same day.  Mr. [redacted] has no further financial obligation for this account.
 
Mr. [redacted] expresses a concern that Midland Credit incorrectly reported the account as failed to pay for the months of December 2015 and January 2016.  Please note that Midland Credit did not advise the credit reporting agencies that Mr. [redacted] failed to pay for the months of December 2015 and January 2016.  Midland Credit provided an update to the credit reporting agencies on or about November 20, 2015, that Mr. [redacted] had paid the account in full.  Midland Credit has continued to furnish the above referenced account with a paid status to the credit reporting agencies. 
 
Midland Credit has no control over how long each credit reporting agency takes to update the information provided on the consumer’s credit file.  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. [redacted] is encouraged to communicate directly with the credit bureaus should he have any further concerns about the nomenclature that Midland Credit is compelled to use.  In addition, if Mr. [redacted] obtained his credit report from a compilation source, the information being reported may appear to vary.   The credit bureaus have advised that it appears this way because they do not directly populate the fields on credit reports pulled from any source other than directly from the credit bureau itself.
 
With that said, Mr. [redacted] is requesting that Midland Credit cease furnishing account information to the credit reporting agencies. While Midland Credit is pleased that it was able to assist Mr. [redacted] in reaching a resolution which resolved the balance for the above-referenced account, please note that 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 Mr. [redacted].
 
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.
 
Sincerely,
 
Midland Credit Management, Inc.
 
[redacted], Esq.
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
 
[redacted]
 
Enclosure

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.Once again, Midland Funding is frustrating me with untrue statements and reluctance to provide proof of the original debt, their right to contact me regarding the alleged debt, and proof of balanced owed. At NO TIME did I advise Midland funding that I have retained an attorney in this matter. I am in still in the initial stage of finding out WHO they are, PROOF that they have a right to collect from me, and TANGIBLE PROOF of the alleged debt, not a rehashing of the information that they are choosing to report. I have NO contractual obligation to this company whatsoever. And unless they have evidence of some contractual agreement that I have with them, I'm not obligated to this extortion. If I had an account with [redacted], as alleged, then [redacted] would have record of a contractual relationship with me that would give THEM the legal right to attempt to collect.  If there was a debt that was written off, then said debt would also have been reported to the IRS as a loss.  Further, if Midland had legally purchased a debt, then complete records would have been turned over by the original creditor. But, neither Midland nor its parent company fully purchases debts. Instead, court records show that they purchases lists which may or may not contain enough information to make them appear to have legal rights to collect. However, when pushed, they have nothing to substantiate the actual debt they claimed is owed. For THIS reason, I demand PROPER VALIDATION.I have NOT received validation of the debt and this collection agency is well aware that there is a legal difference between VALIDATION and self-VERIFYING information that THEY are erroneously reporting. I've submitted copies of my certified requests sent to and received by Midland funding, along with a copy of their NON-COMPLIANT response. Despite what this company says, I am entitled to proper VALIDATION (which is tangible PROOF of a contractual liability) and the continued reporting of UN-validated information (which according the the FTC, includes reporting to credit bureaus) is a DIRECT violation of my federally-protected rights.  And to suggest that I pay ANY amount to make this un-validated debt go away amounts to extortion, by definition.In researching who Midland Funding is, I have found that their parent company, ENCORE, had been successfully sued in class action lawsuits in Minnesota in 2011, West Virginia in 2012, and New York in 2015 for this very type of shady practice. I demand proof that I own this alleged debt, proof that they rightfully own the alleged debt, and proof that the amount that they allege is correct. These are facts that would be required in any court in the United States AND, I'm entitled to the same before they can continue to report this debt on my credit reports. Additionally, I find that Midland is updating the erroneous information listed on my reports as open accounts instead of collection accounts to cause maximum damage to my credit. This unscrupulous practice continues to support a claim of extortion to get me to pay to remove the tradeline.I have been married for 21 years with all debts in my husband's name. To find Midland Funding on my credit report, now that I am trying to establish new credit, and to have my repeated insistence of compliance with the FDCPA and FCRA ignored is both frustrating and highly injurious.  Midland has advised that they are unable to sue for the debt.  In response, I advised them that I HAVE the options of filing complaints with the Revdex.com, FTC and CA Attorney General's office as well as seek legal remedies for each violation of my protected rights and defamation of character, as needed. To this end, my initial contact is with the Revdex.com because this company appears to have no respect for the law.  I am willing to pay for any debt that I rightfully owe. But, this shady company has no compelling evidence and their simple assertion that they do means nothing, legally.  So, I reject their response and demand that they provide valid substantiation that would hold up in court or remove all negative references from ALL 3 CREDIT BUREAUS. 
Regards,
[redacted]

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.Midland still cannot provide proof they are able to charge interest. Regards,[redacted]