Western Power Train Repair Ltd

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 Funding is reporting a collection account on my credit report that I have been trying to resolve for years. They always reply with the same canned response. Most recently, they referred me to contact another party to resolve this account. I do not believe they should be reporting if they are longer handling the account. When going to their website to view my account there is no balance information or any other information. I have screen shots of this, if needed. In addition, they state the account balance is $660, but have previously sent me threatening letters asking for $963.81, I have copies of these letters also.I want this account removed from all three credit reporting agencies.
Regards,
[redacted]

November 11, 2016
VIA E-Mail[redacted]Revdex.com of San Diego5050 Murphy Canyon, Ste. 110San Diego, CA 92123
Re:  Consumer complaint of [redacted]Revdex.com# [redacted]  MCM# [redacted]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received November 1, 2016.  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 October 27, 2016.
[redacted] indicates that Midland Credit Management is still appearing on his [redacted] credit report. Please note that Midland Credit furnishes information to the three major credit reporting agencies electronically and did so on October 8, 2016 and October 25, 2016, indicating that the trade line referencing the above-referenced account needs to be deleted. Midland Credit has no control over how or when the credit reporting agencies update the information in their records. Per [redacted]’s request, a third electronic update was sent again advising that the trade line needs to be deleted. A copy of the confirmation notice is attached for your records.
If [redacted] has any additional questions or concerns regarding the information that is appearing on his [redacted] credit report, he will need to contact the credit reporting agency directly to ensure that it is updating its records accordingly.  
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]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 have worked very hard on correcting my past credit mistakes and getting my credit in check. I called Midland and offered to pay the debt if it was to be deleted from my credit files, The account manager that had hounded me for payment previously agreed that the account would be removed from all 3 credit bureaus when I made the payment. I made the payment and held up my end of the deal,
Now Midland is not honoring their end of the deal. I assume all calls are recorded so you can go back and review calls and hear him tell me that it would in fact be deleted. So basically Midland lied to me just to get their money and I am stuck with this collection on my reports (a paid collection is just as bad as an unpaid one) This is the only thing dragging my credit down pretty much ruining all of my past work getting my credit scores up. If this is not deleted I wasted my time doing all that I did in order to bring up my scores. 
I would like for Midland to go to the recorded calls and hear their Account manager tell me that the collection would be deleted from all 3 agencies when I made the payment. I will not rest until Midland honors their word and this collection is deleted from my record. I understand that they have to accurately report accounts to the credit agencies however I am asking them to delete it all together which can be done because technically I no longer have an account with them so they would just not report it at all. I will ask one more time that Midland who claims that they put customers first would honor what I was told and delete the collection from my records, If they fail to do so I will seek other routes and have it done.  Regards,[redacted]

Midland Funding showed up on my credit report out of nowhere.  Saying that I owe a debt to them and I never even heard of them.  
After looking them up I see the fraudulently act like they purchase a old debt on your credit report with a fake bill of sale.  I want them to send me...

proof a validation that I owe this money to them with my signature on any documents.

Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received
November 18, 2015.  Midland Credit appreciates the opportunity to
answer your questions.
An
investigation of this matter...

indicates that Midland Credit is the servicer of
two accounts belonging to [redacted] 
Midland Credit became the servicer of account no. [redacted], on behalf
of purchaser, Midland Funding, LLC (“Midland Funding”), on September 20,
2011.  Information provided by the
seller, [redacted] at the time of acquisition indicates this account
was originated on June 26, 2008 as a [redacted] account number
ending in [redacted], in the name of [redacted] [redacted], under the last four of the
social security number [redacted]. 
Subsequently, the account was charged-off as an unpaid delinquent-debt
on January 31, 2010.  The balance at the
time of purchase was $6,462.31. 
Midland
Credit became the servicer of account no. [redacted], on behalf of purchaser,
Midland Funding, on October 27, 2011. 
Information provided by the seller, [redacted] at the time of
acquisition indicates this account was originated on January 10, 2008 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 March 31, 2010. 
The balance at the time of purchase was $3,088.32. 
[redacted] expresses a concern that she has not been provided documentation regarding
money that is owed.  Midland Credit
mailed [redacted] separate and unique validation letters – on October 31, 2011,
for account no. [redacted], and on December 6, 2011, for account no. [redacted].
These letters informed her that Midland Funding had acquired the accounts, and
of her rights pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. §
1692 et seq.  (“FDCPA”).  Please note that the letters
were mailed to [redacted] at the same address listed within her complaint, and
were 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 did not receive any correspondence
disputing the debts or requesting validation from [redacted] in response to
the letters.  A review of Midland Credit’s business records indicates that
it began receiving notices of possible dispute from the credit reporting
agencies in January 2013 for both accounts. Please note Midland Credit
appropriately responded to the notices of possible dispute with letters
requesting further information regarding the basis of her dispute, as well as sending
verification information provided by the seller.
On
November 11, 2015, verification information was once again mailed to [redacted] regarding both accounts in response to email correspondence received
November 5, 2015 from her.  Another copy
of the documentation, for both accounts, is enclosed for [redacted] records.  Additionally, 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.
[redacted] states she has sent documentation numerous times regarding her claims
the account was settled in 2009.  However,
a review of Midland Credit’s business records indicates it has not received
such documentation.  Midland Credit
stands ready to assist [redacted] in clearing her record if Midland Credit is
somehow attempting to collect an account which was resolved prior to Midland
Credit becoming the servicer, and requests that she provide documentation or
evidence which substantiates Ms[redacted] claim.  [redacted] can contact Midland Credit online
at [redacted] where she can email
questions to a Consumer Support Services (CSS) specialist, find the answers to
frequently asked questions, and upload documents to support her request. 
Uploaded documents are automatically sent to a CSS specialist, who will
investigate the consumer’s question and mail back a response.  Or [redacted] may forward appropriate
documentation to CSS using the contact information on this letterhead.
Per
[redacted] concerns that she has been harassed for two years, the
above-referenced accounts have been marked “Cease and Desist.”  While they remain due and owing, [redacted]
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 [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]
Enclosure

Dear [redacted]
 
Thank
you for your letter inquiry regarding [redacted] complaint, which Midland
Credit Management, Inc. (“Midland Credit”) received December 15, 2015.  Midland Credit appreciates the opportunity to
answer your questions.  Midland Credit
provided all of the account identifying information in its previous letter
response to your office dated December 7, 2015. 
 
[redacted] expresses a concern that she has not been provided with proof of
liability of this debt.  Although Midland
Credit’s previous response included a copy of the verification information
provided by the seller, another copy is enclosed for [redacted]
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.
 
Per
[redacted] previous request, the above-referenced account will remain
marked “Cease and Desist.”  While it
remains due and owing, [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 [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]
Enclosure

June 10, 2016
 
VIA E-Mail
 
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
 
Re:      Consumer complaint of [redacted] [redacted]
Revdex.com#...

[redacted]
                        MCM# [redacted]
 
Dear [redacted]
 
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received June 1, 2016.  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 December 15, 2010.  Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on October 9, 2008, as a [redacted] account number ending in [redacted], in the name of [redacted] [redacted], under the last four of the social security number [redacted].  Subsequently, the account was charged-off as an unpaid delinquent-debt on November 15, 2010.  The balance at the time of purchase was $777.87. 
 
[redacted] expresses a concern that the verification documentation that Midland Credit provided for the above-referenced account was not proper legal documentation and did not meet Fair Debt Collection Practices Act (“FDCPA”) requirements.  On December 22, 2010, Midland Credit mailed [redacted] a validation letter.  Please note that the letter was mailed to [redacted] via the United States Postal Service.  The letter was not returned as “undeliverable,” satisfying the notification requirements of the FDCPA 15 U.S.C. § 1692.  In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (15 U.S.C. § 1692).  
 
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter.  A review of Midland Credit’s business records indicates that it received a notice of possible dispute from the credit reporting agencies on November 14, 2015.  Upon receipt of the notice, Midland Credit mailed [redacted] a letter advising that it acknowledged her dispute, annotated the account as disputed, and enclosed a copy of the verification information provided by the seller for the referenced account.
 
Although verification information provided by the seller was mailed to [redacted] at that time, a copy of that documentation is again enclosed for her records.  Please note that the verification information provided by the seller meets the requirements of the FDCPA.   The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA.  A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate.
 
[redacted] expresses an additional concern that Midland Credit misleads consumers and uses deceptive collection practices.  Please assure [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.
 
If [redacted] is ready to resolve the above-referenced debt, [redacted] may qualify for a reduction in her account balance.  Please have [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 [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]
 
Enclosure

July 6, 2016
 
VIA E-Mail
 
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
 
Re:      Consumer complaint of [redacted]
Revdex.com# [redacted]
                        MCM# [redacted] & [redacted]
 
Dear [redacted]:
 
Thank you for your letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received June 30, 2016.  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 June 27, 2016.
 
[redacted] continues to express concern that she was told the account would be removed from her credit report, and that she was advised of the same for an additional account.  As stated in its previous response, a review of Midland Credit’s business records does not indicate that Midland Credit advised [redacted] the account would be removed from her credit report once the account balance had been resolved.  [redacted] spoke with multiple Midland Credit representatives, who advised that information would be furnished for the account as “Account paid in full, was a collection account” with an additional memo “Account paid in full for less than the full balance.”  It is Midland Credit’s policy to furnish accurate account information.  If Midland Credit were to delete the account, its correct and accurate status would not be reflected.
 
Additionally, [redacted] was advised of an additional account with the original creditor, [redacted], but was not advised it would be removed from her credit report upon payment. Information for the account is provided below for reference.
 
Midland Credit became the servicer of account no. [redacted] on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on December 18, 2015.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on March 7, 2013 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 November 13, 2015.  The balance at the time of purchase was $657.88.
 
If [redacted] wishes to resolve or discuss account no. [redacted], she may contact Account Manager [redacted] at [redacted] to assist her in reaching a resolution of the account balance.
 
Please assure [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 [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]
Assistant Secretary
[redacted]

October 13, 2017
VIA E-MailRevdex.com of San Diego
Re:  Consumer complaint of [redacted]Revdex.com# [redacted]MCM #: [redacted]Original Creditor: Citibank, N.A.Original Account #:...

[redacted]Affinity: [redacted]
Dear Ms. [redacted]:
Thank you for your letter inquiry regarding Ms. [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received on October 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] expresses a concern that she never received the credit card or a bill for this account, and that statements were mailed to an incorrect address.  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 or sale of 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]

Dear [redacted]
 
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received June 21, 2016.  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 November 25, 2015.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on March 28, 2005 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 October 28, 2015.  The balance at the time of purchase was $2,344.09.  A copy of the verification information provided by the seller is enclosed for [redacted] records.
 
[redacted] expresses a concern that his [redacted] card was closed years ago after he paid thousands and he has not heard from [redacted].  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 addition, [redacted] advised the most recent payment received by [redacted] was in June of 2015 for the amount of $70.00, and that the current balance is due.  The current balance information is reflected on the verification information Midland Credit has enclosed with this response.  If [redacted] believes that his payments to [redacted] paid the balance in full, Midland Credit respectfully requests [redacted] provide documentation or evidence which substantiates his claim.  [redacted] can contact Midland Credit online at [redacted] where he can email questions to a Consumer Support Services (CSS) specialist, find the answers to frequently asked questions, and upload documents to support his request.  Uploaded documents are automatically sent to a CSS specialist, who will investigate the consumer’s question and mail back a response.   [redacted] may also forward appropriate documentation to CSS using the contact information on this letterhead.
 
[redacted] indicated that he received a letter advising the account could potentially be forwarded to an attorney.  There are several factors used to determine the eligibility of accounts for legal efforts. As a result, the account has been determined to be eligible for legal efforts.  Midland Credit acted appropriately in advising that non-payment on the account may result in the account being forwarded to a law firm in [redacted]’s area to review for possible legal efforts to collect the balance.  This was an accurate statement of potential next steps to be taken on the account.
 
[redacted] also advised he read about a class action lawsuit involving Midland Credit and CPTA Regulations.  Midland Credit is unable to identify the referenced CPTA class action against Midland Credit regarding [redacted]’s account.  If [redacted] has documentation that indicates he, or his account, were included in a CPTA action, he may forward that to CSS as indicated above.
 
Based on the information currently available to Midland Credit, it has acted in a timely manner and has complied with all applicable laws.  [redacted]’s account remains valid, due, and owing to Midland Credit as servicer for Midland Funding.  With that said, [redacted] also states that he cannot afford to pay $500.00 for this account.  Should [redacted] now recognize that the debt remains due and wish to resolve the matter, he may qualify for a reduction in his account balance.  If such is the case, he can call Account Manager [redacted] at [redacted] to assist him 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 [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]
Assistant Secretary
[redacted]
 
Enclosure

Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received November 4, 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 February 18, 2014.  Information provided by the seller,[redacted], at the time of acquisition indicates this account was originated on October 24, 2011 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 January 5, 2014.  The balance at the time of purchase was $631.85.
[redacted] expresses a concern that he has not received validation of this debt.  On February 28, 2014, Midland Credit mailed [redacted] a validation letter.  Please note that the letter was mailed to [redacted] via the United States Postal Service.  The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”).  15 U.S.C. § 1692.  In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (15 U.S.C. § 1692).  
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter.  A review of Midland Credit’s business records indicates that it received the first notice of possible dispute from the credit reporting agencies regarding this account on January 27, 2015.  In response, Midland Credit mailed [redacted] a copy of the verification information with a letter requesting more information regarding the basis of his dispute.  A copy of that documentation is again enclosed for his records.
[redacted] also questions whether Midland Credit is furnishing accurate account information as a “Factoring Company” on his consumer credit files.  A review of Midland Credit’s business records indicates that it is using the appropriate Metro 2 code to describe itself as a “Debt Buyer” to the three major credit reporting agencies.  However, it has no control over the manner in which each credit reporting agency decides to display that information.  [redacted] is encouraged to communicate directly with the credit bureaus should he have any further concerns.  With that said, 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.
Additionally, [redacted] writes that when he contacted the original creditor, the representative advised him that there was no record of the above-referenced account.  Please note that it is not uncommon for a credit provider to archive an account once it has been sold.  Therefore, when contacted by [redacted], the representative of the original credit provider may not have had access to the pertinent account information.
Per [redacted]’s request to stop receiving mail, the above-referenced account has been marked “Cease and Desist.”  While it remains due and owing, [redacted] 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 [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], Esq.
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Enclosure

Dear Ms. [redacted]:
 
Thank you for your letter inquiry regarding Mr. [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received May 3, 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] expresses a concern that he was not notified of this collection or given the right to dispute this debt.  On August 31, 2015, Midland Credit mailed Mr. [redacted] a validation letter.  Please note that the letter was mailed to the same address listed within the consumer’s complaint via the United States Postal Service.  The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”).  In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA.  
 
Mr. [redacted] states he has sent a letter requesting validation.  Midland Credit’s business records indicates that it began receiving notices of dispute from the credit reporting agencies on February 18, 2017.  In response, Midland Credit mailed Mr. [redacted] a copy of the verification information provided by the seller on March 8, 2017, to the same address listed within the consumer’s complaint.  Midland Credit subsequently received a faxed letter from Mr. [redacted] on March 22, 2017.  Please note, as verification information had been recently mailed to Mr. [redacted], it was not sent to him again at that time.
 
With that said, a copy of the verification information provided by the seller is once again enclosed for Mr. [redacted] records.  Additionally, a review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate.
 
Midland Credit’s business records indicate that on November 8, 2015, this account was placed with Midland Credit’s Internal Legal Department (“Internal Legal Department”).  The Internal Legal Department indicates that a judgment was issued on January 19, 2017, a copy of which is enclosed for Mr. [redacted] records.
 
Midland Credit encourages Mr. [redacted] to work with the Internal Legal Department to assist in reaching a positive resolution.  Mr. [redacted] may reach the Internal Legal Department at PO Box 939050, San Diego, CA 92193.  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 Mr. [redacted].
 
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.
 
[redacted]
Division Manager, Consumer Support Services
[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.
As I previously stated, I have never conducted business nor received a good or service from Midland Credit Managenent or Midland Funding. Unless a signed contract can be produced in which a consumer/business relationship exists(ed); I need this unverified, derogatory information removed from my credit report(s) immediately. I am more than willing and ready to escalate this issue to [redacted].   
Regards,
[redacted]

I am responding back with the release form authorizing my account information to the Revdex.com.Thank you

Tell us why here...Dear Ms. [redacted]:Thank you for your letter inquiry regarding Ms....

[redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received March 2, 2017.  Midland Credit appreciates the opportunity to answer your questions.Ms. [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 September 27, 2013.  Information provided by the seller, [redacted] Inc., at the time of acquisition indicates this account originated on September 17, 2010, 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 September 9, 2013.  The balance at the time of purchase was $1,332.84.Ms. [redacted] expresses a concern that the account has no proper validation, and that verification wasn’t given in accordance with the Fair Credit Reporting Act (“FCRA”) and Fair Debt Collection Practices Act (“FDCPA”).  On November 23, 2013, Midland Credit mailed Ms. [redacted] a validation letter.  Please note that the letter was mailed to Ms. [redacted] via the United States Postal Service.  The letter was not returned as “undeliverable,” satisfying the notification requirements of the FDCPA (15 U.S.C. § 1692).  In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (15 U.S.C. § 1692).   A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from Ms. [redacted] on April 22, 2014.  In response to her dispute at that time, Midland Credit mailed Ms. [redacted] a letter on May 23, 2014, along with a copy of the validation documentation provided by the seller.  Midland Credit subsequently received two notices of dispute from the credit reporting agencies on October 23, 2015 and November 4, 2015.  In response, a copy of the verification information was once again sent to Ms. [redacted] on November 9, 2015.  On January 8, 2017, Midland Credit received an additional letter from Ms. [redacted] disputing the account.  Midland Credit once again responded by providing her with a copy of the verification information on January 13, 2017.Although the verification information provided by the seller has been sent to Ms. [redacted] previously, another copy is enclosed for her records.  Please note that the verification information provided by the seller meets the requirements of the FDCPA.  The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA.  Additionally, 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. [redacted] also states the account has been removed from her credit report twice, and keeps getting placed back on.  A review of Midland Credit’s business records indicates that it began furnishing information for the referenced account on January 16, 2014.  Midland Credit has continued furnishing information for the account through the normal course of business, and has not requested the credit bureaus to remove reference of the account from Ms. [redacted]’s consumer credit files.  In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, Ms. [redacted]’s account has been referred to Account Manager [redacted]. Please have Ms. [redacted] call Ms. [redacted] at (800) 825-8131 ext. [redacted] to assist her in reaching a resolution of the account balance.Per Ms. [redacted]’s previous concerns, 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], Esq.Corporate Counsel, Legal Affairs & Compliance*Admitted in Colorado; Registered In-House Counsel in California
[redacted]Enclosure

Dear Ms. [redacted]:
 
Thank you for your letter inquiry
regarding Ms. [redacted]’s complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received
July 9, 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 October 29, 2009.  Information provided by the seller, [redacted], at
the time of acquisition indicates this account was originated on May 7, 1994 as a [redacted] Consumer 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 September 25, 2009.  The balance at the time of purchase was $291.00.
 
The
three credit-reporting agencies were previously notified to delete Midland
Credit’s reference to the collection account in question from Ms. [redacted]’s
consumer credit files on or about September 25, 2013, October 23, 2013,
November 19, 2013 and December 17, 2013. 
It appears the information was not properly updated by the
credit-reporting agencies.  Midland
Credit sent an additional request to the credit-reporting agencies to delete
the account on July 16, 2015.  The AUD
number, which is the confirmation number supplied to Midland Credit when the
request was sent, is [redacted].  Please
note that it may take the credit-reporting agencies 30-60 days to update the
information in Ms. [redacted]’s consumer credit files.  If the account continues to reflect on her
consumer credit files, Midland Credit encourages Ms. [redacted] to contact the
credit-reporting agencies directly.
 
While
Midland Credit has acted in a timely manner and has complied with all
applicable laws, in keeping with its Consumer-First policy, Midland Credit has
made the business decision to close the account.  There will be no further collection activity,
credit reporting or sale of 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],
Esq.
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
 
[redacted]

Re:      Consumer complaint of [redacted]
Revdex.com# [redacted]
                        MCM# [redacted]
 
Dear [redacted]
 
Thank you for...

your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received September 4, 2015.  Midland Credit appreciates the opportunity to answer your questions.
 
An investigation of this matter indicates that Midland Credit is the servicer of two accounts belonging to [redacted].  Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on October 8, 2013.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on February 14, 2009, 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 December 9, 2009.  The balance at the time of purchase was $544.30. 
 
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on October 14, 2013.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on February 15, 2009, as a [redacted] Within 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 November 9, 2009.  The balance at the time of purchase was $527.24. 
 
[redacted] expresses a concern that he has not received validation information within a 30 day time period and that Midland Credit reported the accounts without notice or verification of the debt.  Pursuant to Midland Credit’s standard business practices, on November 15, 2013, for account no. [redacted] and on December 6, 2013, for account no. [redacted], Midland Credit mailed the initial validation letters to [redacted], advising him of the role of Midland Credit as the servicer of the account and providing him with the required disclosure of rights set forth in the Fair Debt Collection Practices Act, 15 U.S.C. § 1692.  (“FDCPA”).  Please note that the letters were mailed to [redacted] at the same address listed within his complaint.
 
Midland Credit received correspondence requesting validation from [redacted] on June 25, 2015 for both of the above-referenced accounts.  Upon receipt of [redacted]’s correspondence, Midland Credit acknowledged his dispute, annotated the accounts as disputed, and ceased collection efforts and reporting of the accounts to the three major credit reporting agencies while it was in the process of verifying the debts.  In response, Midland Credit sent [redacted] letters regarding both accounts on July 8, 2015 advising [redacted] that Midland Credit had requested the appropriate documents and would provide a response shortly.  
 
Once Midland Credit received verification information from the seller for both accounts, copies of the verification information for the accounts were sent to [redacted] on or about August 19, 2015.  Copies of the verification information provided by the seller for both accounts are enclosed for [redacted]’s records.
 
As part of the investigation, when [redacted]’s requests for validation were received, Midland Credit appropriately notified the credit reporting agencies to cease its furnishing information for the accounts.  In keeping with its Consumer First policy, Midland Credit has made the business decision not to re-report the accounts. Please note that while information for the accounts is not being furnished to the three major credit reporting agencies, they remain due and owing.
 
If [redacted] is ready to resolve the above-referenced debts, he may qualify for a reduction in the account balances.  Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] to assist him in reaching a resolution of the account balances.
 
In the meantime, per [redacted]’s previous request, the above-referenced accounts will remain marked “Direct Mail Only.” [redacted] will continue to not receive phone calls from Midland Credit representatives and all correspondence will be sent via the United States Postal Service.
 
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to [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]
 
Enclosure

Please find the attached copy of the requested documentation.  As per your request, I did not electronically sign this one.  I printed it and signed it by hand, then just scanned it to send back to you.
Let me know if you need anything else from me.  Thanks a lot!

November 17, 2015
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re:      Consumer complaint of [redacted]
Revdex.com#...

[redacted]
                        MCM# [redacted], and [redacted]
Dear [redacted]:
Thank you for your letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received November 3, 2015.  Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that Midland Credit is the servicer of four accounts belonging to [redacted].  Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on January 26, 2012.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on August 17, 2003, 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 June 30, 2010.  The balance at the time of purchase was $1,309.22.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on February 27, 2014.  Information provided by the seller, [redacted]., at the time of acquisition indicates this account was originated on July 12, 2007, 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 March 22, 2010.  The balance at the time of purchase was $3,495.81.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on October 17, 2014.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on September 26, 2006, 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 January 17, 2012.  The balance at the time of purchase was $10,545.91.   
Midland Credit became the servicer of account no. [redacted] on behalf of purchaser, Midland Funding, on August 13, 2015.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on May 19, 2004, 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 30, 2010.  The balance at the time of purchase was $1,584.40.   
[redacted] expresses a concern that the accounts should not be reporting on their consumer credit files.  With reference to account number [redacted], on March 11, 2012, Midland Credit mailed the consumer a validation letter.  Please note that the letter was mailed to [redacted] via the United States Postal Service.  The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”).  15 U.S.C. § 1692.  In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (15 U.S.C. § 1692).  
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter.  Midland Credit received notification of a possible dispute through the credit reporting agencies on March 22, 2013.  In response to that notification of possible dispute, Midland Credit mailed verification information provided by the seller to [redacted]. A copy of that documentation is again enclosed for their records.
Midland Credit mailed [redacted] separate and unique validation letters for the accounts: on September 26, 2014, for account no. [redacted], on November 26, 2014 for account no. [redacted], and on October 1, 2015, for account no. [redacted]. These letters informed the consumer that Midland Funding had acquired the accounts, and of their rights pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq.  (“FDCPA”).  The letters were 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 did not receive any correspondence disputing these debts or requesting validation from [redacted] in response to the letters.  Upon receipt of [redacted]’s complaint, Midland Credit acknowledged the consumer’s dispute, annotated the accounts as disputed, and has ceased collection efforts while it is in the process of verifying the debts.  Once Midland Credit has obtained verification of the debts, copies 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 [redacted] with verification of the debts regarding account nos. [redacted], and [redacted].
[redacted] indicates that they have never done business with Midland Credit.  Consumers are often 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 to a collection agency.  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. 
[redacted] also indicates that they believe Midland Credit should be reporting as the original creditor.  Midland Credit is unable to report as the original creditor, and all accounts it reports are reported as collection accounts.  [redacted] may be seeing accounts reported by the original creditor as well as Midland Credit.  If [redacted] has concerns regarding the information being reported by the original creditor, they may dispute it directly with the credit reporting agencies.
[redacted] further writes that they believe that Midland Credit has re-aged the accounts by reporting the dates of purchase as the open dates.  In accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open dates being furnished on the accounts reflect the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.”
[redacted] expresses concern that the accounts will continue to report indefinitely because they believe their purchase has restarted the Federal Reporting period.  The date of purchase of the accounts does not affect the Federal Reporting period which is calculated based on the date of delinquency with the original creditor.  A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period will expire in December of 2016 for account no. [redacted], in August of 2016 for account no. [redacted], in June of 2018 for account no. [redacted] and in November of 2016 for account no. [redacted].  Please note that the expiration of the Federal Reporting period does not extinguish a debt.  Rather, it prevents an account’s information from being listed on the consumer’s credit report.  A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies with regard to account no. [redacted] is accurate.
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]
Enclosure