Western Power Train Repair Ltd

Dear Ms. [redacted]:
 
Thank you for your letter inquiry
regarding Mr. [redacted]’ complaint, which Midland Credit Management, Inc. (“Midland Credit”) received
June 22, 2015.  Midland Credit appreciates the opportunity to
answer your questions.
 
An investigation
of this matter...

indicates that Midland Credit became the servicer of the
above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland
Funding”), on May 17, 2015. 
Information provided by the seller, Citibank, N.A., at the time of
acquisition indicates this account was originated on June 1, 1996 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 27, 2015.  The balance at the time of purchase was $17,874.25.
 
Mr.
[redacted] expresses a concern that Midland Credit mailed a statement to him that
demanded money and violated the Fair Debt Collection Practices Act (“FDCPA”).  In order to provide him with the required
disclosure of rights set forth in the FDCPA, 15 U.S.C. § 1692, on March 31,
2015, Midland Credit mailed Mr. [redacted] the initial validation letter, advising
him of the role of Midland Credit as the servicer of the account.  Midland Credit must therefore respectfully
decline Mr. [redacted]’ request for monetary compensation.  However, 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 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 Mr. [redacted].
 
Thank
you again for your assistance in this matter.  Please contact Midland
Credit’s Consumer Support Services team at (800) [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]

July 10, 2017
 
VIA E-Mail
[redacted]
Revdex.com of San Diego
 
Re:       Consumer complaint of [redacted]
Revdex.com#...

[redacted]
                       
MCM #: [redacted]5
MCM #: [redacted]
Original Creditor: [redacted]  
Original Creditor: [redacted], N.A.
Original Account #: [redacted]
[redacted] 
[redacted]
 
 
Dear Ms. [redacted]
 
Thank you for your letter inquiry regarding Mr. [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received June 30, 2017.  Midland Credit is the servicer of the above-referenced accounts on behalf of the current owner, Midland Funding, LLC (“Midland Funding”).  Midland Credit appreciates the opportunity to answer your questions. 
 
Mr. [redacted] writes that there is no signed contract with Midland Funding or its servicer, Midland Credit.  When a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books.  Often, they then sell the debt.  Please note that the underlying promissory obligation remains valid, due and owing.  Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account. 
 
The verification information provided by the sellers is enclosed for Mr. [redacted] records. A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies for the above-referenced accounts is accurate.
 
If Mr. [redacted] is ready to resolve the above-referenced debts, Mr. [redacted] may qualify for a reduction in his account balances.  Please have Mr. [redacted] call Account Manager [redacted] at (800) 825-8131 ext. [redacted] to assist him in reaching a resolution of the account balances.
 
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],
Division Manager, Consumer Support Services
AR: kmb
 
Enclosure

Dear Ms. [redacted]: 
Thank you for your letter inquiry
regarding Mr. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received
July 20, 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 25, 2011.  Information provided by the seller, FIA Card Services, N.A., at
the time of acquisition indicates this account was originated on July 25, 2007 as a
Bank of America VISA account number
ending in [redacted], in
the name of [redacted] G [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, 2009.  The balance at the time of purchase was $915.01.  
Mr.
[redacted] expresses a concern that Midland Credit has re-aged the account by listing
an open date that is later than the original. 
While Midland Credit is sensitive to Mr. [redacted]’s concern, Midland Credit
does not alter or modify any of the original account information provided by
the seller, such as the name of the consumer, the date of origination, or the
date of occurrence.  Midland Credit
reports the information on the accounts it services based on the business
records maintained by the original lender/seller.  
In
accordance with the Credit Reporting Resource Guide produced by the Consumer
Data Industry Association, the open date being reported on this account
reflects the “date that the account was purchased by the debt buyer or
placed/assigned to the third party collection agency.”  The open date listed on Mr. [redacted]’s credit
report is in fact the date of purchase by Midland Funding LLC.  A review of Midland Credit’s business records
indicates that it is accurately reporting the above-referenced account to the
three major credit reporting agencies. 
Mr.
[redacted] also expresses concern that the information reflecting on his consumer
credit files differs between credit reporting agencies.  Midland Credit reports the same information
to all three credit reporting agencies each time it reports.  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. 
Mr.
[redacted] further questions the validity of the account.  On March 7, 2011, Midland Credit mailed Mr. [redacted]
a validation letter, which informed him that Midland Funding had acquired the
account, and of his rights pursuant to the Fair Debt Collection Practices Act,
15 U.S.C. § 1692 et seq.  (“FDCPA”). 
The letter 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 did not receive any correspondence
disputing the debt or requesting validation from Mr. [redacted] in response to the
letter.  In fact, no correspondence was
received directly from Mr. [redacted] prior to the complaint filed through your
office, which cannot be considered timely. 
The
FDCPA specifically states that, unless a consumer provides a debt collector
with notice of such a dispute within 30 days of receiving the initial
validation letter, “the debt will be assumed to be valid by the debt
collector.”  15 U.S.C. §
1692g(a)(3).  Because Midland Credit did
not receive such a notice at the time, Midland Credit appropriately proceeded
with efforts to contact Mr. [redacted] and collect the debt. 
Although
Midland Credit did not receive any correspondence disputing the debt or
requesting validation from Mr. [redacted] prior to receipt of his complaint through
your office, Midland Credit received notice of a possible dispute through the
credit reporting agencies on June 23, 2015. 
Although the request was not timely, verification information provided
by the seller was mailed to Mr. [redacted] in response to the notice on or about July
14, 2015.  A copy of the verification
information is again enclosed here.  
If
Mr. [redacted] is ready to resolve this debt, he may qualify for a reduction in his
account balance.  Please have Mr. [redacted]
call Midland Credit Account Manager Denise Longtin at (800) 825-8131 ext. 23084
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 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. 32917 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
 
GJG: mrb
 
Enclosure

April 15, 2016
VIA E-Mail
Ms. [redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re:      Consumer complaint of [redacted] T [redacted]
Revdex.com#...

[redacted]
                        MCM# [redacted] and [redacted]
Dear Ms. [redacted]:
Thank you for your letter inquiry regarding Mr. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received April 1, 2016.  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 Mr. [redacted].  Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on April 27, 2010.  Information provided by the seller, [redacted]., at the time of acquisition indicates this account was originated on December 6, 2008, as an [redacted]./[redacted] account number ending in [redacted], in the name of [redacted] T [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 $823.09.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on June 15, 2015.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on June 15, 2009, 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 October 22, 2011.  The balance at the time of purchase was $513.43.
Mr. [redacted] expresses a concern that the above-referenced accounts were paid in full to the original companies.  Midland Credit mailed Mr. [redacted] separate and unique validation letters – on May 1, 2010, for account no. [redacted], and on June 26, 2015, for account no. [redacted]. These letters informed him that Midland Funding had acquired the accounts, and of his 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 written correspondence disputing the debts or requesting validation from Mr. [redacted] in response to the letters.  A review of Midland Credit’s business records indicates that it received the first notification of a possible dispute from the credit reporting agencies on or about March 15, 2012 for account no. [redacted] and on or about January 6, 2016 for account no. [redacted].  In response to the notices of possible disputes, Midland Credit sent Mr. [redacted] separate letters requesting more information regarding the nature of his dispute on March 17, 2012, and January 20, 2016, respectively. However, to date, Midland Credit has not received any documentation supporting Mr. [redacted]’s claim.
Mr. [redacted] expresses an additional concern that he is unemployed and on permanent disability.  With that said, please note that Midland Credit acted in a timely manner and has complied with all applicable laws.  However, in keeping with its Consumer-First policy, Midland Credit made the business decision to close the accounts.  There will be no further collection activity, furnishing of account information to the credit bureaus, or sale of the accounts.  In addition, the three credit-reporting agencies have been notified to delete Midland Funding’s reference to the collection account in question from Mr. [redacted]’s consumer credit files.
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to Mr. [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], Esq.
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]

January 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]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received December 23, 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 August 29, 2014.  Information provided by the seller, [redacted]., at the time of acquisition indicates this account was originated on July 17, 1991, 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 6, 2013.  The balance at the time of purchase was $3,624.04. 
[redacted] expresses a concern that there is an unknown account on his credit report.  On September 12, 2014, Midland Credit mailed [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”).  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 correspondence requesting validation from [redacted] on August 21, 2015. In response to the dispute at that time, verification information provided by the seller was mailed to [redacted]. A copy of that documentation is again enclosed for his records.  A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate.
A review of Midland Credit’s business records indicates that on June 28, 2015, this account was assigned to Midland Credit’s Internal Legal Department (“Internal Legal Department”).  The Internal Legal Department indicates that in a hearing on November 19, 2015, a stipulation agreement was reached and a copy of the stipulation was mailed to [redacted] to sign and return to the Internal Legal Department.
[redacted] also requests a breakdown of how the balance was reached.  As stated above, this account was purchased from the seller with a balance of $3,624.04.  Midland Credit has not added interest or fees to the balance of the account.
Midland Credit encourages [redacted] to work with the Internal Legal Department to assist in reaching a positive resolution.  [redacted] may reach the Internal Legal Department at PO Box 969050, San Diego, CA 92193.  Their phone number is [redacted]
Per [redacted] request to no longer receive phone calls, the above-referenced account has been marked “Direct Mail Only.”  While it remains due and owing, [redacted] will no longer 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

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

Dear [redacted]
 
Thank you for your letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received July 1, 2015.  Midland Credit appreciates the opportunity to answer your questions.
 
[redacted] references three accounts...

of which Midland Credit is attempting to collect; please note that Midland Credit is the servicer of only two accounts for [redacted].  A judgment has been obtained on one of the accounts.
 
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on February 17, 2012.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on March 31, 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 6, 2012. 
 
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on October 25, 2012.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on December 18, 2010, as a [redacted] cellular 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 28, 2011. 
 
[redacted] expresses concern that Midland Credit is attempting to collect on accounts which are not his and which may be the result of fraud.  Midland Credit mailed [redacted] separate and unique validation letters – on February 27, 2012, for account no. [redacted], and on November 21, 2012, for account no. [redacted]. These letters informed him that Midland Funding had acquired the accounts, and of his 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 the debts or requesting validation from [redacted] in response to the letters.  A review of Midland Credit’s business records indicates that it received the first written correspondence requesting validation directly from [redacted] concerning account no. [redacted] on May 8, 2015.  Midland Credit has not previously received any correspondence concerning account no. [redacted] prior to the complaint filed through your office, which cannot be considered timely.
 
The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.”  15 U.S.C. § 1692g(a)(3).  Because Midland Credit did not receive such notices in a timely manner, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debts.
 
[redacted]’s letter references a requirement that Midland Credit respond to his dispute within 30 days.  Please note that neither the FDCPA nor existing law requires a debt collector to provide a response within 30 days.  Midland Credit takes all allegations of improper conduct seriously, and does everything it can to avoid any possible violation of the FDCPA and other applicable laws and regulations.  While Midland Credit acknowledges [redacted]’s right to dispute the debt, Midland Credit is handling his account appropriately, and will continue to do so.
 
A review of Midland Credit’s business records indicates that on July 22, 2012, account no. [redacted] was assigned to the law firm of [redacted] located at [redacted]  Their phone number is [redacted].  Midland Credit has forwarded a copy of the complaint to the firm and inquired regarding the matter.  [redacted] has advised that an initial notice of the debt was mailed to [redacted] on or about July 25, 2012.  When a resolution could not be reached, suit was filed on August 31, 2012 and [redacted] was served by the Court on or about September 10, 2012. 
 
On September 18, 2012, and September 25, 2012, [redacted] contacted [redacted] office and agreed to a Stipulation of Settlement for $127.66 per month to resolve the balance for $638.12 beginning September 28, 2012.  The first payment was made on October 2, 2012, and the agreement was signed and submitted to the Court on October 4, 2012.  However, no additional payments were submitted.  [redacted] entered into a new arrangement on January 22, 2013, under a Consent Order Withholding Wage Execution for $250.00 per month beginning February 22, 2013, and judgment was subsequently entered on January 24, 2013.  [redacted] worked with [redacted] to make payment arrangements, and final payment for the balance was received on March 10, 2014.  [redacted] submitted the closing document to the Court on March 14, 2014, and updated the account as paid in full.
 
While the account was being updated to a paid status, [redacted] contacted Midland Credit to inquire about the status of his account, and now questions the alleged conduct of certain Midland Credit employees during that call.  Please note that the alleged conduct described by [redacted] is being investigated.  Midland Credit fully respects consumers’ rights and privacy and has established policies and procedures designed to protect those rights.  However, if, in spite of Midland Credit’s best efforts to ensure professional and courteous communications at all times, it is determined that a violation of company policy may have occurred, the same will be addressed and dealt with in a prompt and appropriate manner.
 
A review of Midland Credit’s business records indicates that [redacted]’s was appropriately updated, and that it is accurately reporting the above-referenced account as “Account paid in full, was a collection account” with an additional memo “Account paid in full for less than the full balance.”   The credit reporting agencies report the judgment as a matter of public record and do so in accordance with applicable law. Midland Credit has no control over the credit reporting of any matters of public record.
 
Midland Credit stands ready to assist [redacted] regarding account no. [redacted] if he has been a victim of identity theft or fraud.  If such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a copy of either a police report or affidavit of fraud showing that he reported the fraudulent activity.  Please note that an affidavit of fraud can be found at www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf.  If submitting an affidavit of fraud, [redacted] should complete the form and have the form notarized.
 
[redacted] can also 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.
 
Due to [redacted]’s concerns, the above-referenced accounts have been marked “Cease and Desist.”  While account no. [redacted] remains due and owing, [redacted] will 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]

Dear Ms. [redacted]:
Thank you for your letter inquiry regarding Ms.
[redacted]’s complaint, which Midland Credit Management, Inc. (“Midland
Credit”) received June 21, 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] requests that the account be removed from her consumer credit files as
it has been paid.  In keeping with its
Consumer-First approach, Midland Credit recently updated its policy regarding
paid tradelines where the date of delinquency is over two years old.  At this time, Ms. [redacted]’s account does not
qualify for the collection tradeline to be deleted under this policy.  Midland Credit will request deletion of the
collection tradeline once the account is more than two years from the date it
first went delinquent, which will be on or about October 10, 2017.  In the meantime, the three major credit
reporting agencies have been appropriately notified to update the collection
tradeline as “Account paid in full, was
a collection account” with an additional memo “Account paid in full for
less than the full balance.”  Ms.
[redacted] continues to have no further financial obligation for this account.
Ms.
[redacted] also writes that while Midland Funding continues to report on her
consumer credit files, the original creditor has deleted their tradeline. 
[redacted] as the original creditor may have decided to delete its tradeline
when it sold the account.  Whether or not the original creditor is
reporting the account, the account remains valid. 
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:
bi

Dear Revdex.com:Thank you for your letter inquiry regarding Ms. [redacted]’s complaint, which Midland [redacted] Management, Inc. (“Midland [redacted]”) received September 6, 2017.  Midland [redacted] is the servicer of the above-referenced accounts on behalf of the current owner, Midland Funding, LLC (“Midland...

Funding”).  Midland [redacted] appreciates the opportunity to answer your questions.Ms. [redacted] expresses a concern that the above-referenced accounts are appearing on her [redacted] report and while she has previously disputed the debts, Midland [redacted] simply responded with a computerized bill.  Ms. [redacted] requests to have the accounts removed from her [redacted] report.  Please be advised, a review of Midland [redacted]’s business records indicates that no correspondence has been received directly from Ms. [redacted] regarding the referenced accounts prior to the complaint filed through your office.  With that said, Midland [redacted] began receiving notices of dispute from the [redacted] reporting agencies on November 17, 2016, for each account.  In response, Midland [redacted] mailed a copy of the verification information provided by the sellers to Ms. [redacted] on December 5, 2016, for account no. [redacted], and on December 2, 2016, for account nos. [redacted] and [redacted].  Midland [redacted] received subsequent notices of dispute from the [redacted] reporting agencies on July 25, 2017, for each of the accounts.  A copy of the verification information was again mailed to her for each account on August 11, 2017, in response.  Additionally, Midland [redacted] mailed three separate letters to Ms. [redacted] at that time requesting a written explanation and documentation demonstrating any errors in its account information. The verification information for each of the above-referenced accounts is once again enclosed for Ms. [redacted]’s records.  Please note that the verification information 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 [redacted]’s business records indicates that the account information it is furnishing to the three major [redacted] reporting agencies is accurate.If Ms. [redacted] is ready to resolve the above-referenced debts, she may qualify for a reduction in her account balances.  Please have Ms. [redacted] call Account Manager [redacted] at (800) 825-8131 ext. [redacted] to assist her in reaching a resolution of the account balances.Midland [redacted] considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland [redacted] apologizes for the inconvenience caused to Ms. [redacted].  Thank you again for your assistance in this matter.  Please contact Midland [redacted]’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.Sincerely, Midland [redacted] 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.
These people are, once again, going in circles saying the same thing and not providing the information that I've requested.  I contacted the Revdex.com to assist in resolving this matter so that I could avoid this incessant going back and forth. However, Midland continues to frustrate me by maintaining that they are not violating my rights even tho I pointed out the facts that they are according to the FDCPA AND the FTC. If there's no further assistance that I can receive other than passing messages back and forth, then it is necessary for me to take my complaint to another level as, my rights continue to be violated during this extended period, even as I am actively requesting proper validation.Midland Funding has not provided proper validation and I DO have federally-protected rights and am not, in the very least, intimidated by this collections company.  If there is no further assistance that can be provided by the Revdex.com, then please advise, note my complaint and I will, with certainty, move forward with my complaints to the FTC and State Attorney General's Office for further investigation into this matter.I have nothing further to add.
Regards,
[redacted]

Dear [redacted]:
 
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received April 11, 2017.  Midland Credit appreciates the opportunity to answer your questions.
 
A review of Midland Credit’s business...

records indicates that [redacted] may have retained an attorney. Midland Credit has no record of his attorney’s contact information. Please have [redacted] provide his attorney’s information, if applicable, so that we may contact him/her directly. If Midland Credit does not receive attorney information in the next 30 days, it will assume that [redacted] is not or is no longer working with legal counsel and will mark his account accordingly.
 
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on November 26, 2014.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on December 11, 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 15, 2014.  The balance at the time of purchase was $1,049.96. 
 
On December 17, 2014, Midland Credit mailed [redacted] a validation letter 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.  
 
Midland Credit’s business records indicate that it did not receive any written 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 written correspondence requesting validation from [redacted] on August 2, 2016.
 
Prior to the written correspondence, Midland Credit had received notices of dispute from the credit reporting agencies and responded by mailing [redacted] verification information provided by the seller on July 11, 2016. Additional notifications were received from the credit reporting agencies and Midland Credit responded appropriately by mailing [redacted] the same verification information on February 17, 2017. Although the documentation was already mailed to [redacted] in response to his previous disputes, a copy of that documentation is again enclosed for his records.
 
[redacted] alleges that he continued to receive calls after he requested no further contact from Midland Credit. A review of Midland Credit’s business records indicate that during a call on September 11, 2016, [redacted] communicated that he did not want any further contact from Midland Credit. The representative marked the account accordingly at that time and no additional attempts have been made to contact [redacted] per his 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.
 
In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction [redacted] account has been referred to Account Manager [redacted]. Please have [redacted] call [redacted] at [redacted] ext. [redacted] to assist him in reaching a resolution of the account balance.
 
Please note that Midland Credit recently updated its policy regarding paid trade lines where the date of delinquency is over two years old. Once the account balance has been resolved, Midland Credit will request deletion of the collection trade line from the three major credit reporting agencies by the next reporting cycle. At this time, [redacted] account qualifies for the collection trade line to be deleted under this policy should he choose to resolve the account.
 
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] ext. [redacted] should you have any further questions.
 
Sincerely,
Midland Credit Management, Inc.
 
[redacted]
 
[redacted]

Dear [redacted]
 
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received May 12, 2015.  Midland Credit appreciates the opportunity to answer your questions.
 
A review of Midland Credit’s business records...

indicates that [redacted] had previously retained an attorney.  Midland Credit has not received written notice he is no longer represented by legal counsel.  As such, going forward, all communication about the matter should be handled by his attorney.  If [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 became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on May 8, 2013.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on January 14, 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 February 28, 2011.  The balance at the time of purchase was $4,833.78. 
 
[redacted] expresses a concern that the account status was not updated properly following settlement of the account.  A review of Midland Credit’s business records indicates that on October 20, 2013, this account was assigned to Midland Credit’s [redacted] collections department (“[redacted]”) whose mailing address is [redacted].  Midland Credit has forwarded a copy of [redacted]’s complaint to the firm and inquired with them regarding the matter.  The firm has advised that a settlement amount of $250.00 was agreed to and satisfied via a payment received by [redacted] in July 2014.
 
Due to administrative oversight, the account status was not updated in Midland Credit’s records until January 2015.  At that time, Midland Credit notified the three major credit reporting agencies to report 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.”  Further review indicates the account has been reporting as such since January 2015.
 
While the current reporting is accurate, the three major credit reporting agencies have been notified to delete Midland Credit’s reference to the collection account from [redacted]’s consumer credit files.  Midland Credit will continue to reflect the account as Paid within its files.  Please advise [redacted] that it may take the credit bureaus up to 60 days to reflect the removal of the account on his credit report.  [redacted] has no further 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 [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]

July 3, 2017
VIA E-Mail
[redacted]Revdex.com of San Diego
Re:  Consumer complaint of [redacted]       Revdex.com# [redacted]       MCM# [redacted]       Original Creditor: [redacted]       Original Account #: [redacted]       Affinity: [redacted]
Dear Ms. [redacted]:
Thank you for your letter inquiry regarding Ms. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received June 23, 2017.  Midland Credit is the servicer of the above-referenced account on behalf of the current owner, Midland Funding, LLC.  Midland Credit appreciates the opportunity to answer your questions.
Ms. [redacted] states that the documentation previously provided is not sufficient to validate the above-referenced account, and requests a signed contract and original application as proof she owes the debt.  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.
As previously advised, this account was placed with [redacted], P.C. (“[redacted]”) on April 30, 2017.  Midland Credit continues to encourage Ms. [redacted] to work with [redacted] to assist in reaching a positive resolution.  Ms. [redacted] may reach [redacted], Suite A, St. Louis, MO 63126.  Their phone number is (800) 4[redacted]
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 ServicesAR: maj

Dear Revdex.com:
 
Thank you for your letter inquiry regarding Ms.
[redacted] complaint, which Midland [redacted] Management, Inc. (“Midland
[redacted]”) received October 9, 2017.  Midland [redacted] is the servicer of the above-referenced
account on behalf of the current owner, Midland Funding, LLC...

(“Midland
Funding”).  Midland [redacted]
appreciates the opportunity to answer your questions.
 
A review of Midland
[redacted]’s business records indicates that Ms. [redacted] may have retained an
attorney. Midland [redacted] has no record of Ms. [redacted] attorney’s contact
information. Please have Ms. [redacted] provide her attorney’s information, if
applicable, so that we may contact him/her directly. If Midland [redacted] does not
receive attorney information, it will assume that Ms. [redacted] is not or is no
longer working with legal counsel and will mark her account accordingly.
 
Ms. [redacted] writes that she
has no contract with Midland [redacted], and is not responsible for the debt.  Consumers are sometimes unclear as to what
the term “charge off” means for a debt. 
When a [redacted]or "charges off" an account, it means that the
[redacted]or 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 [redacted]or had the right
to legally seek repayment of the promissory obligation, the new third-party
purchaser has the right to repayment of the [redacted] account.  A copy of the bill
of sale verifying Midland Funding as the rightful owner of the account is
enclosed, along with a copy of a seller data sheet confirming the account was
included in the purchase by Midland Funding.  The
above-referenced account remains collectible, due and owing to Midland [redacted]
as servicer for Midland Funding.
 
A review of Midland [redacted]’s business records
indicates that the account information it is furnishing to the three major
[redacted] reporting agencies is accurate.  A
copy of the verification information provided by the seller is enclosed.  If Ms. [redacted] is ready to resolve this debt,
she may qualify for a reduction in her account balance.  Please have Ms. [redacted] contact Midland [redacted]
Account Manager [redacted] at (800) 825-8131 ext. [redacted] to assist her in
reaching a resolution of the account balance.
 
Per Ms. [redacted] 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 contact from Midland [redacted] representatives unless
a response is required by law.
 
Midland [redacted] considers consumer complaints a
serious matter and fully respects consumers’ rights.  Midland [redacted] apologizes for the inconvenience
caused to Ms. [redacted].
 
Thank you again for your assistance in this
matter.  Please contact Midland [redacted]’s Consumer Support Services team at
(800) 825-8131 ext. [redacted] should you have any further questions.
 
Sincerely,
Midland [redacted]
Management, Inc.
 
[redacted],
Senior Manager Operations, 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
Mr[redacted],
Thank
you for your responseUnfortunately it seems you're unwilling to research this
issue, and are causing me harm by attempting to collect this debt and by posting
incorrect information to my credit reportI've contacted Midland two times via
certified mail, on May 26th and July 7th
respectively, to attempt to rectify this mistake, Each time, on June 3rd and
July 13th, Midland has replied with the same form letter stating that
they would not research my disputeClearly they didn't read it As well, they've continued to send letters
trying to collect this debt, despite their refusal to validate itMr[redacted],
you state in your letter "a copy of the verification information provided
by the seller is enclosed"I received only your page letter on your
letter head from the Revdex.com, and no such copy of verification information(TO THE
Revdex.com, please confirm that you've only received a page letter from Mr[redacted]) If
you have any verification, please mail it or email it, as it will help me
determine how a mistake like this could happen may aid me in getting this
removed and resolved
Mr
[redacted], I'm not going to, nor will I ever, pay a debt that does not belong to
meI respectfully request you truly look into thisI understand you get
millions of these debts sold to you, so you follow a standard process, but this
is one of the few that's not correctI have continued to ask for validation of
the debt times to midland and now once to you, because I know there isn't
any, and forcing you to provide it would make you realize this as well
Unfortunately, no one will even investigate thisI don't want to take this to
court, but be assured I will if neededAnd I will sue not only for your
violations of the law but damages for my time, the financial impact of
incorrect information reported and its impact on loans etc., legal fees, and emotional
and punitive damages
Again,
I ask that you contact [redacted] One who you bought this from, do whatever you
need to do, and get this resolvedIf there's something I need to do to get
this resolved, please let me knowThis isn't my debt, Midland shouldn't be
trying to collect it, and it shouldn't be reported to the credit bureaus as
suchI hope you'll re-evaluate your stance, and try to work with me to get
this cleared up
Thank You
Regards,
[redacted]

Dear Ms. [redacted]:
 
Thank you for your letter inquiry regarding Ms. [redacted]’ complaint, which Midland Credit Management, Inc. (“Midland Credit”) received July 12, 2017.  Midland Credit is the servicer of the above-referenced account on behalf of the current owner,...

Midland Funding, LLC (“Midland Funding”).  Midland Credit appreciates the opportunity to answer your questions.
 
Ms. [redacted] writes that she has no signed contract, nor received services from Midland Funding or its servicer, Midland Credit.  Please note, Midland Funding does not issue credit.  As stated above, the account originated as a [redacted] account.  When a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books.  Often, they then sell the debt.  Please note that the underlying promissory obligation remains valid, due and owing.  Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account.  The above-referenced account remains collectible, due and owing to Midland Credit as servicer for Midland Funding.
 
Ms. [redacted] states that Midland Credit has failed to provide her with adequate proof.  A review of Midland Credit’s business records indicates that no correspondence was received directly from Ms. [redacted] prior to the complaint filed through your office.  A further review of Midland Credit’s business records indicates that it began receiving notices of dispute from the credit reporting agencies on June 6, 2017.  In response, verification information provided by the seller was mailed to Ms. [redacted] on June 26, 2017.  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 Fair Debt Collection Practices Act (“FDCPA”).  The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA. A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate.
 
Per Ms. [redacted]’ request, the above-referenced account has been marked “Cease and Desist.”  While it remains due and owing, Ms. [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.  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: kmb
 
Enclosure

Dear [redacted]:
Thank you for your letter inquiry
regarding [redacted] complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received
October 22, 2015.  Midland Credit appreciates the opportunity to
answer your questions.
Per [redacted]
submission through the...

Revdex.com, it appears she may have
concerns about an [redacted] account. However, the majority of the details
provided appear to be in reference to a [redacted] account belonging to [redacted], being serviced by Midland Credit. Midland Credit is not servicing an
[redacted] account belonging to [redacted]. If she continues to have concerns
regarding an account with [redacted], [redacted] should bring her concerns to the
company currently servicing that account.
Regarding
the [redacted] account, 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 26, 2012.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was
originated on May 3, 2002, 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, 2011.  The charge-off balance was $959.18.
Additional seller fees of $239.80 resulted in a balance at the time of purchase
by Midland Funding of $1,198.98. 
[redacted] expresses a concern that she never made a payment in April 2014 in the
amount of $1,199.99.  A review of Midland
Credit’s business records indicates that the account balance was resolved with
a one-time payment of $479.59 paid by [redacted] on April 3, 2014.  [redacted] has no further financial
obligation for this account.   
[redacted] expresses a desire to have the above-referenced account deleted from her
consumer credit files.  Midland Credit is
pleased that it was able to assist [redacted] in reaching a resolution which resolved
the balance for the above-referenced account.  In keeping with its Consumer-First policy,
Midland Credit made the business decision to remove its reference of the
account from the three major credit reporting agencies on October 23, 2015.
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 [redacted]
Thank you for your letter inquiry regarding Mr....

[redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received October 9, 2015.  Midland Credit appreciates the opportunity to answer your questions.
A review of Midland Credit’s business records indicates that [redacted] has retained an attorney. Going forward, all communication about the matter should be handled by his attorney.  If [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 became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on June 10, 2010.  Information provided by the seller, [redacted]., at the time of acquisition indicates this account originated with [redacted] on May 9, 2005, and was subsequently converted to 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 31, 2010.  The balance at the time of purchase was $3,360.22.
[redacted] expresses a concern that his requests for validation have been ignored.  On November 3, 2010, Midland Credit mailed [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”).  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. 
[redacted] states that he has sent a certified letter to Midland Credit requesting proof that this account belongs to him. Midland Credit did receive notices of possible dispute from the credit reporting agencies, however it did not received any correspondence disputing the debt directly from [redacted] prior to the complaint filed through your office. With that said, in response to the notices of possible dispute that were received, Midland Credit sent verification information to [redacted] on May 29, 2015.   Another copy of that documentation is again enclosed for [redacted] 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.
In addition, if [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.  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 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

October 17, 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]
 
Dear [redacted]
 
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received October 7, 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 January 25, 2012.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on June 16, 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 December 22, 2011.  The balance at the time of purchase was $2,382.04.  Final payment on the account was received by Midland Credit on February 28, 2013.  [redacted] has no further financial obligation for this account.
 
[redacted] states that after she paid the account, the collection tradeline was removed from her credit report and was reinstated in June 2016.  Midland Credit acted in a timely manner and has complied with all applicable laws.  Upon resolution of the account balance, Midland Credit appropriately notified the credit reporting agencies to reflect the paid status of the debt.  No further updates were made to the information being furnished to the credit reporting agencies after the last update sent in June of 2013 to again reflect the account was paid.  Please note, Midland Credit has no control over the manner in which each credit reporting agency decides to display information that was furnished.
 
With that said, Midland Credit recently updated its credit reporting policy to remove paid tradelines after two years from the date of delinquency.  As such, the three credit-reporting agencies were notified to remove reference of this account from [redacted] consumer credit files on or about October 8, 2016.
 
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]

April 11, 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] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received March 28, 2016.  Midland Credit appreciates the opportunity to answer your questions. 
Please note, [redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”), case no. [redacted]).  Midland Credit sent a response to [redacted] through the CFPB dated April 4, 2016, a copy of that response is enclosed for your reference. 
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 number [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on September 25, 2012.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on October 7, 2009, as a [redacted],[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 13, 2012.  The balance at the time of purchase was $2,974.76. 
A review of Midland Credit’s business records indicates that on March 3, 2013, this account was placed with [redacted] (“[redacted]”).  [redacted] advised that suit was filed on April 18, 2013 and a judgment was entered on July 12, 2013.  A copy of the judgment is enclosed in the attached response to the CFPB.
Midland Credit became the servicer of account number [redacted], on behalf of purchaser, Midland Funding, on March 29, 2013.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on February 6, 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 January 2, 2012.  The balance at the time of purchase was $11,631.44. 
[redacted] is requesting validation on the above referenced accounts.  Please note, Midland Credit mailed [redacted] separate and unique validation letters – on September 30, 2012, for account number [redacted], and on April 10, 2013, for account number [redacted]. These letters informed [redacted] 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”).  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 written 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 received the first notification of a possible dispute from the credit reporting agencies on or about January 3, 2015 for account numbers [redacted] and [redacted]. 
In response to the notices of possible disputes received on account number [redacted], Midland Credit mailed [redacted] a copy of the verification information provided by the seller on January 21, 2015, September 9, 2015, and February 26, 2016.  A copy of the verification information provided by the seller is enclosed in the attached response to the CFPB.
Please note, upon receipt of [redacted] complaint for account number [redacted], Midland Credit acknowledged her current dispute, annotated the account as disputed, and has 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 forwarded to [redacted] through the Revdex.com (“Revdex.com”) and CFPB.  Additionally, Midland Credit will not furnish information for the account to the three major credit reporting agencies until it is able to provide you with verification of the debt.
[redacted] is also stating that Midland Credit is reporting an inaccurate debt and re-aging the accounts monthly.  While Midland Credit is sensitive to [redacted] concerns, Midland Credit does not alter or modify any of the original account information provided by the seller, such as the name of the consumer, the date of origination, or the date of occurrence.  Midland Credit furnishes account information on the accounts it services based on the business records maintained by the original lender/seller.  In accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date being furnished for this account reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.”
In regards to account number [redacted], Midland Credit encourages [redacted] to work with [redacted] to assist in reaching a positive resolution. The firm may be reach be reached at [redacted]  Their phone number is [redacted]
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