Western Power Train Repair Ltd

Dear [redacted]
 
Thank you for your follow-up
letter
inquiry regarding [redacted]’s complaint, which
Midland Credit Management, Inc. (“Midland Credit”) received
July 23, 2015.  Midland Credit appreciates the opportunity to
answer your questions.
 
Midland Credit
has received the documentation provided by [redacted] regarding the manner in
which the original creditor is reporting the debt to TransUnion.  The documentation is being forwarded to the
seller to further inquire about the matter. 
Midland
Credit has ceased collection efforts while it is awaiting
a response from the seller. 
Once Midland Credit has obtained a response, a
copy will be mailed to your office. 
Additionally, Midland Credit will not report the account to the three
major credit reporting agencies while it is
awaiting a response from the seller.
 
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]

I sent what little information I had to Midland using their Customer Service Portal - the same document I sent to you.  I wish I had more.  It was many years old and I've moved since then.

August 10, 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]
 
Dear [redacted]
 
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received July 27, 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 November 28, 2012.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on November 16, 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 January 25, 2012.  The balance at the time of purchase was $1,573.22.
 
[redacted] states that he has disputed to the credit bureaus and that Midland Credit has verified its tradeline. Midland Credit sent [redacted] a validation letter on December 8, 2012.  In the letter, Midland Credit informed him that Midland Funding had acquired the account, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq.  (“FDCPA”).  Please note that the letter was mailed to [redacted] at the same address listed within his complaint, and was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA.  15 U.S.C. § 1692.
 
Midland Credit’s business records indicate that it did not receive any written correspondence from [redacted] in response to the letter or pursuant to the Texas Finance Code.  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 [redacted] and collect the debt. 
 
Further review of Midland Credit’s business records indicates that it has received several notices of possible dispute on the account from the credit reporting agencies.  Midland Credit appropriately responded in each instance. Additionally, verification documentation provided by the seller was mailed to [redacted] on or about October 27, 2014, and again on or about May 20, 2015.  A copy of the verification information is again enclosed for [redacted]’s records. 
 
A review of Midland Credit’s business records indicates that on April 21, 2013, this account was assigned to Midland Credit’s Internal Legal Department (“Internal Legal”).  Midland Credit has forwarded a copy of [redacted]’s complaint to Internal Legal and inquired with them regarding the matter.  Internal Legal has advised that suit was filed on November 5, 2013 and [redacted] was served December 10, 2013.  Internal Legal has also advised that it has never received any notice of dispute from [redacted] and appropriately proceeded with efforts to collect the debt. 
 
Based on the information provided by the seller, Midland Credit has determined that its credit file and credit reporting of the above-referenced account is accurate.  Midland Credit will be closing its investigation of [redacted]’s dispute and will be resuming regular collection activities as allowed by the Texas Finance Code and the Fair Credit Reporting Act.
 
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 939050, San Diego, CA 92193.  Their phone number is 866-300-8750.
 
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

March 16, 2017
 
VIA E-Mail
Jackie [redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
 
Re:       Consumer complaint of Ms. [redacted]
Revdex.com# [redacted]
                        MCM# [redacted]
 
Dear Ms. [redacted]:
 
Thank you for your letter inquiry regarding Ms. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received March 6, 2017.  Midland Credit appreciates the opportunity to answer your questions.
 
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on October 19, 2015.  Information provided by the seller, [redacted] (USA), N.A., at the time of acquisition indicates this account was originated on February 6, 2012 as a [redacted] (USA), N.A. [redacted] account number ending in [redacted], in the name of [redacted] J [redacted], under the last four of the social security number [redacted].  Subsequently, the account was charged-off as an unpaid delinquent-debt on June 5, 2014.  The balance at the time of purchase was $367.87.
 
A review of Midland Credit’s business records indicates that Ms. [redacted]’s payment was received and posted to the referenced account.  Midland Credit has requested the credit bureaus remove reference of the account from Ms. [redacted]’s credit files.  A copy of the notification sent to the three major credit bureaus is enclosed for Ms. [redacted]’s records.  Additionally, Ms. [redacted] has no further financial obligation for the referenced 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
GJG: kmh
[redacted]

March 8, 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 February 17, 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 February 20, 2015.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on January 8, 2014, 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, 2015.  The balance at the time of purchase was $715.86.
[redacted] expresses concern that she received a notice from Midland Credit but believes she should not have been contacted because of a recent settlement.  Please note that the settlement does not affect the collectability of [redacted] account.  For additional information, she may visit the website referenced in the postcard she received: [redacted] also expresses concern that the account is over seven years old.  As referenced above, the account for which she received correspondence from Midland Credit was opened in 2014 and charged off in 2015.  Midland Credit was servicing another account on behalf of Midland Funding which [redacted] paid in 2010 and which is over seven years old.  However, the last letter regarding that account was sent to [redacted] was on November 18, 2010, and confirmed that the account had been paid.  [redacted] may be associating the account which she previously paid with the correspondence she recently received.  A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for account no. [redacted] will expire in July 2021 at which time account information will cease being furnished to the credit reporting agencies. 
A copy of the verification information provided by the seller is enclosed for [redacted] records.  If she is ready to resolve this debt, she may qualify for a reduction in her account balance.  Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] to assist her in reaching a resolution of the account balance.
Per [redacted] request to stop being contacted by Midland Credit, 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]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Enclosure

Dear Ms. [redacted]:
 
Thank you for your follow-up letter inquiry regarding Mr. [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received May 10, 2017.  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 May 4, 2017. 
 
Mr. [redacted] continues to request the tradelines for the above-referenced accounts to be removed from his credit reports.  After reviewing his latest submission to your office, Midland Credit respectfully maintains its position provided in its previous response and reiterates that it has acted appropriately.  The account information being furnishing to the three major credit reporting agencies for the above-referenced accounts is accurate.
Mr. [redacted] additionally states he is willing to share proof regarding his claims.  To date, Midland Credit has not received any information which would invalidate either of the above-referenced debts.  However, Midland Credit is more than willing to review any documentation Mr. [redacted] can provide.  Please advise him to contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should he wish to discuss the matter further.
 
In the meantime, per Mr. [redacted] previous request, the above-referenced accounts will remain marked “Cease and Desist.”  While they remain due and owing, Mr. [redacted] will continue to not receive contact from Midland Credit representatives unless a response is required by law.
 
Thank you again for your assistance in this matter. 
 
Sincerely,
Midland Credit Management, Inc.
 
[redacted]
Division Manager, Consumer Support Services[redacted]

December 15, 2016
 
[redacted]  
[redacted]      [redacted]...

[redacted]
                        [redacted]
 
Dear [redacted]
 
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received December 7, 2016.  Midland Credit appreciates the opportunity to answer your questions.
 
An investigation of this matter indicates that Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on May 14, 2012.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on February 7, 2010 as an [redacted] credit card account number ending in [redacted], in the name of [redacted].  Subsequently, the account was charged-off as an unpaid delinquent-debt on March 31, 2011.  The balance at the time of purchase was $1,373.24.
 
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 account no. [redacted].  There will be no further collection activity, furnishing of account information to the credit bureaus, or sale of this account.  In addition, the three credit-reporting agencies have been notified to delete Midland Funding’s reference to account no. [redacted] from [redacted] consumer credit files.  A copy of the electronic request sent to the credit reporting agencies is enclosed for [redacted] records.
 
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding on March 15, 2013.  Information provided by the seller, [redacted]., at the time of acquisition indicates this account was originated on February 4, 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 May 30, 2011.  The balance at the time of purchase was $2,182.32.  A copy of the validation documentation provided by the seller is enclosed for your records.
 
[redacted] expresses a concern that Midland Credit continues to charge monthly fees.  Midland Credit does not add fees of any kind to consumer accounts.  While Midland Credit has not charged monthly fees, interest accrued in the amount of $548.67 toward the balance of account no. [redacted] until December 2014 when Midland Credit made the business decision to stop adding interest.  With that said, the accounts were purchased from the sellers with all rights.  Interest charged by the original creditor is allowable by law.  Any interest added by Midland Credit is permissible and was provided for in the contract with the original creditor when the account was purchased.  This information would also normally be included in the paperwork the consumer receives when the account is initially opened. 
 
[redacted] states that the debts are time-barred.  A review of Midland Credit’s business records indicates that the statute of limitations expired on November 1, 2016 for account no. [redacted].  However, please note that the passing of the statute of limitations does not extinguish the validity of a debt. Rather, it eliminates litigation as a potential remedy.
 
Similar to the statute of limitations, the expiration of the seven-year Federal Reporting period also does not extinguish a debt.  It only prevents the account information from being furnished to the credit reporting agencies.  A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period does not expire until November, 2017 for account no. [redacted].  The account remains collectible, due and owing to Midland Credit as servicer for Midland Funding.
 
[redacted] states that Midland Credit is reporting to the credit bureaus with a negative payment history.  Although Midland Credit submits updates to the reporting agencies each month, Midland Credit does not furnish information such as negative payment history to the credit reporting agencies.  Midland Credit’s business records indicate that the account information it is furnishing to the three major credit reporting agencies for account no. [redacted] is accurate.
 
[redacted] is encouraged to communicate directly with the credit bureaus should she have any further concerns about the nomenclature that Midland Credit is compelled to use.  In addition, if [redacted] obtained her 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.
 
If [redacted] is ready to resolve account no. [redacted], she may qualify for a reduction in her account balance.  Please have [redacted] call [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]
 
[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.
[The only message I see from the business is that it will take 45 days for them to get up off their butts and do something that takes 2 minutes over the phone.  This is a complete ploy by the company to avoid responding to the issue.  This is to remain open until such time they provide the request response in the initial complaint.]
Regards,
[redacted]

January 19, 2017
 
VIA E-Mail
 
[redacted]
 
[redacted]      [redacted]...

[redacted]
                        [redacted]
 
Dear [redacted]:
 
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received January 9, 2017.  Midland Credit appreciates the opportunity to answer your questions.
 
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, [redacted] (“Midland Funding”), on August 28, 2012.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on March 31, 2010, 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 12, 2010.  The balance at the time of purchase was $493.31.  Final payment on the account was received by Midland Credit on May 16, 2013.  [redacted] has no further financial obligation for this account.
 
[redacted] expresses concern that he has contacted Midland Credit on multiple occasions attempting to get a paid letter sent to him, most recently on November 8, 2016, November 13, 2016 and November 30, 2016.  A review of Midland Credit’s business records indicate only that [redacted] called and spoke to a representative two times on December 14, 2016.  During the calls, the representative advised [redacted] that a letter would be sent to him.  Due to an administrative oversight, the letter was not sent.  We have requested that the letter now be sent to [redacted] and apologize for the inconvenience.
 
The primary concern in [redacted]’s complaint indicates that the account is still appearing on his credit report.  On or about October 23, 2015, Midland Credit requested that the three credit reporting agencies remove the account from consumer credit files.  Midland Funding’s tradeline should no longer appear in consumer credit files.  Even though Midland Credit made the business decision to remove the tradeline, [redacted] as the original creditor may be reporting the account.  If [redacted] has concerns regarding the information being reported by the original creditor, he may dispute it directly with the credit reporting agencies.
 
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] [redacted]
 
[redacted]

Dear Ms. [redacted]:
 
Thank you for your follow-up letter inquiry regarding Mr. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received August 13, 2015.  Midland Credit appreciates the opportunity to answer your questions.  Midland Credit provided all of the account information in its previous response to your office dated August 3, 2015.
 
Mr. [redacted] continues to dispute that Midland Credit has re-aged the above-referenced account by incorrectly reporting the open date.  As stated in Midland Credit’s initial response, 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. 
 
Additionally, it appears that the credit report documentation Mr. [redacted] has again included with his complaint may be obtained from a compilation source.  This may be the reason the information being reported may appear to vary.  As previously stated, 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] is encouraged to communicate directly with the credit bureaus should he have any further concerns.  Based on the law and guidelines governing credit reporting, it would appear that the account is being correctly reported. 
 
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to Mr. [redacted].
 
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.
 
Sincerely,
 
Midland Credit Management, Inc.
[redacted], Esq.
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
 
GJG: mem

Dear Ms. [redacted]:
 
Thank you for your letter inquiry regarding Mr. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received July 8, 2015.  Midland Credit appreciates the opportunity to answer your questions.
 
An investigation of this matter indicates...

that Midland Credit is the servicer of 2 accounts belonging to Mr. [redacted].  Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on May 29, 2012.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on May 6, 2009 as a T-Mobile 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 August 28, 2011.  The balance at the time of purchase was $117.55.   
 
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on October 30, 2012.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on March 18, 2003 as a T-Mobile cellular account number ending in 6514, 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 12, 2011.  The balance at the time of purchase was $371.63.   
 
Mr. [redacted] writes that the accounts do not belong to him.  Midland Credit mailed Mr. [redacted] separate and unique validation letters – on June 16, 2012, for account no. [redacted], and on November 10, 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”).  Please note that the letters were mailed to Mr. [redacted] at the same address listed within his 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.
 
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 at the time, Midland Credit appropriately proceeded with efforts to contact Mr. [redacted] and collect the debts.  Midland Credit’s business records indicate that it has not received any correspondence from Mr. [redacted] pursuant to the Texas Finance Code.
 
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 both accounts.  There will be no further collection activity, credit reporting or sale of these accounts.  In addition, the three credit-reporting agencies have been notified to delete Midland Credit’s reference to the collection accounts 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 (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 follow-up letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received September 8, 2015.  Midland Credit appreciates the opportunity to answer your questions.
Midland Credit provided all of the account identifying information in its previous letter response to your office dated July 23, 2015.  [redacted] asserts that Midland Credit did not respond to her request for validation within the 30 day period provided for by the Texas Finance Code.  As stated in its previous responses; Midland Credit’s business records indicate that it received the first correspondence from [redacted] on April 15, 2015.  Based on the information she provided, and pursuant to the Texas Finance Code, Midland Credit responded by sending her a letter on April 29, 2015, advising that Midland Credit had determined that its credit file and credit reporting of the above-referenced account was accurate.  A copy of the verification information provided by the seller was enclosed. 
In response to subsequent requests for validation received on April 20, 2015, April 30, 2015, and June 19, 2015, Midland Credit confirmed that its credit file and credit reporting of the account remained accurate.  Letters were mailed on April 29, 2015, May 11, 2015, and July 6, 2015 respectively.  All of the letters sent to [redacted] were mailed to the same address listed in her complaint.  All of the referenced response letters were mailed to [redacted] within 30 days of receipt of each of her requests as required by the Texas Finance Code.
[redacted] also asserts that Midland Credit did not cease collection activity during the 30 day validation period.  Again Midland Credit mailed [redacted] its initial letter setting forth [redacted] validation rights on October 6, 2014.  [redacted] did not dispute the account or request validation of the debt until April 15, 2015, which cannot be considered timely. 
Additionally, Midland Credit has not attempted contact with [redacted] since receipt of her first letter requesting validation on April 15, 2015.  Any correspondence sent to [redacted] since that time has been to respond to her requests for validation as required by the Texas Finance Code.  As stated in its previous response, 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. 
Please note that based on the information provided by the seller, Midland Credit has determined that its credit file and credit reporting of the above-referenced account is accurate.  Midland Credit will be closing its investigation of [redacted]’ dispute as allowed by the Texas Finance Code and/or the Fair Credit Reporting Act.  Midland Credit must respectfully maintain its position that validation information was provided within a timely manner and that it appropriately ceased collection efforts upon receipt of the request.
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]

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.
There was no such correspondence received by me. The Revdex.com should note that Midland failed to resolve the issue
Regards,
[redacted]

Dear Ms. [redacted]:Thank you for your letter inquiry regarding Ms. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received on October 11, 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 this debt be charged off.  Consumers are sometimes unclear as to what the term “charge off” means for a debt.  When a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books.  Often, they then sell the debt.  Please note that the underlying promissory obligation remains valid, due and owing.  Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account.  The above-referenced account remains collectible, due and owing to Midland Credit as servicer for Midland Funding.Ms. [redacted] expresses a concern that she did not receive notice that the debt was sold to Midland Funding.  On August 31, 2015, 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 Fair Debt Collection Practices Act (“FDCPA”).  In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA.   Ms. [redacted] requests to be provided with proof of the debt.  A copy of the verification information provided by the seller is enclosed for Ms. [redacted]’s 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.Ms. [redacted] states that the debt is time-barred.  A review of Midland Credit’s business records indicates that the statute of limitations has expired.  However, please note that the passing of the statute of limitations does not extinguish the validity of a debt. Rather, it eliminates litigation as a potential remedy.  Similar to the statute of limitations, the expiration of the seven-year Federal Reporting period also does not extinguish a debt.  It only prevents the account information from being furnished to the credit reporting agencies.  A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for the above-referenced account has not yet expired.  Midland Credit stands ready to assist Ms. [redacted] in clearing her record if she has been a victim of identity theft or fraud.  If such is in fact the case, Midland Credit respectfully requests that Ms. [redacted] provide it with a copy of either a police report or affidavit of fraud showing that she reported the fraudulent activity.  Please note that an affidavit of fraud can be obtained by submitting a report through the Federal Trade Commission (“FTC”) online at www.identitytheft.gov.  After submitting it to the FTC directly, Ms. [redacted] can then provide a copy of the affidavit to Midland Credit.  Ms. [redacted] may forward appropriate documentation to Midland Credit using the contact information on this letterhead.With that said, if Ms. [redacted] now recognizes this debt as belonging to her, and is ready to resolve the above-referenced debt, she may qualify for a reduction in her account balance.  Please have Ms. [redacted] call Account Manager [redacted] at (800) 825-8131 ext. [redacted] to assist her in reaching a resolution of the account balance.Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to Ms. [redacted].Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.Sincerely, Midland Credit Management, Inc.
[redacted]Senior Manager Operations, Consumer Support Services[redacted]Enclosure

Dear [redacted]
Thank you for your letter inquiry
regarding [redacted] complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received
November 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 February 21, 2012.  Information provided by the seller, [redacted]., at the time of acquisition indicates
this account was originated on June 1, 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 January 10, 2012.  The balance at the time of purchase was $3,344.48. 
[redacted] expresses a concern that Midland Funding is reporting unverified
accounts on his consumer credit files, and he has not received records and
documentation of the account.  On February
27, 2012, 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 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 correspondence requesting validation from [redacted] on or
about February 14, 2013.  Per [redacted]
request for contact to cease and desist, Midland Credit was unable to respond
to his request for validation at that time.
[redacted] also expresses a concern that he received a letter dated October 23,
2015 which did not include validation. 
Upon receipt of [redacted] correspondence received October 20, 2015,
regarding concerns on his credit report, Midland Credit appropriately responded
with the October 23rd letter requesting more information and documentation regarding
the basis of his dispute, as well as advising he would not receive further contact
unless a response was required by law. 
Upon
receipt of [redacted] complaint, Midland Credit acknowledged [redacted]
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 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 debt.
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 12, 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 follow-up letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received March 29, 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 March 1, 2016.  [redacted] continues to request a copy of her signature.  As indicated in Midland Credit’s previous responses, 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.
[redacted] also expresses a concern that Midland Credit is now sending mail to her parent’s address.  However, [redacted] did not provide the address belonging to her parents.  Additionally, the last letter mailed to [redacted], was sent to the address listed on the first complaint received through your office.  If [redacted] would like to confirm that her parent’s address is no longer associated with the above-referenced account, she may contact Midland Credit’s Consumer Support Services team at[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]

June 23, 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]
 
Dear Ms....

[redacted]
 
Thank you for your letter inquiry regarding Ms. [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received June 14, 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] indicates that she does not have an account with Midland Credit.  Consumers are sometimes unclear as to what the term “charge off” means for a debt.  When a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books.  Often, they then sell the debt.  Please note that the underlying promissory obligation remains valid, due and owing.  Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account.  The above-referenced account remains collectible, due and owing to Midland Credit as servicer for Midland Funding.
 
Ms. [redacted] indicates that she has requested validation of the account and has not been provided with it.  Midland Credit’s business records indicate that it received the first correspondence from Ms. [redacted] on or about April 11, 2017.  In response, verification information provided by the seller was mailed to Ms. [redacted] on April 28, 2017.  Midland Credit received subsequent correspondence from Ms. [redacted], to which it appropriately responded.  Additionally, Ms. [redacted] previously filed a complaint through the Consumer Financial Protection Bureau.  Midland Credit responded to Ms. [redacted] concerns on June 6, 2017 and provided her a copy of the verification information provided by the seller.  A copy of the verification information is once again enclosed with this response.
 
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.
 
Ms. [redacted] questions whether Midland Credit is licensed to conduct business in the State of Massachusetts.  Please assure Ms. [redacted] that Midland Credit is licensed in every state which requires such licensing for collection companies.  Please have Ms. [redacted] contact the Massachusetts Division of Banks for more information regarding licensing requirements.
 
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 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]
Division Manager, Consumer Support Services
[redacted]
 
Enclosure

March 1, 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 February 16, 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 June 18, 2012.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on June 26, 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 May 2, 2012.  The balance at the time of purchase was $763.52. 
[redacted] expresses a concern that she has not had a credit card for over 15 years.  On June 29, 2012, 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 began receiving notices of possible dispute from the credit reporting agencies in October 2012.  Midland Credit’s business records further indicate that it received the first correspondence requesting validation from [redacted] on September 30, 2015.
Midland Credit has appropriately responded to the disputes it has received regarding this account.  With that said, verification information provided by the seller has been sent to [redacted] in response to disputes, most recently on November 9, 2015.  Another copy of that information is enclosed for [redacted]’s 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. Chaudhry v. Gallerizzo, 174 F.3d 394 (4th Cir. 1999).  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] indicates that her identity has been compromised by family members on two occasions.  Midland Credit stands ready to assist [redacted] in clearing her record if she has been a victim of identity theft or fraud.  If such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a copy of either a police report or affidavit of fraud showing that she reported the fraudulent activity.  Please note that an affidavit of fraud can be found at [redacted] 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 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]’s 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

December 1, 2017VIA E-MailRevdex.com of San DiegoRe: Consumer complaint of Mr. [redacted] S [redacted]Revdex.com# [redacted]MCM #: [redacted]Original Creditor: [redacted].Original Account #: [redacted]Dear Revdex.com:Thank you for your letter inquiry regarding Mr. [redacted]’s complaint, which Midland CreditManagement, Inc. (“Midland Credit”) received on October 10, 2017. Midland Credit is the servicerof the above-referenced account on behalf of the current owner, Midland Funding, LLC (“MidlandFunding”). On October 17, 2017, Midland Credit advised that it needed more time to complete itsinvestigation. Midland Credit appreciates the opportunity to answer your questions.A review of Midland Credit’s business records indicates that Mr. [redacted] has retained an attorney.Midland Credit has no record of his attorney’s contact information. Please have Mr. [redacted]provide his attorney’s information, if applicable, so that we may contact him/her directly. If MidlandCredit does not receive attorney information in the next 30 days, it will assume that Mr. [redacted]is not or is no longer working with legal counsel and will mark his account accordingly.Mr. [redacted] states that he is being asked to pay a [redacted] account from 2006 which is not onhis credit report, and states that he is not responsible for the debt. Please note that Midland Creditpreviously ceased furnishing information for the account in April 2016 – however, the expirationof the seven-year Federal Reporting period does not extinguish a debt. It only prevents theaccount information from being furnished to the credit reporting agencies. The above-referencedaccount still remains collectible, due and owing to Midland Credit as servicer for Midland Funding.A copy of the verification information provided by the seller is enclosed. Please note that basedon the information provided by the seller, Midland Credit has determined that its file is accurate.Midland Credit will be closing its investigation of Mr. [redacted]’s dispute and will be resuming regularcollection activities as allowed by the Texas Finance Code.Per Mr. [redacted]’s request to not be contacted, the above-referenced account has been marked“Cease and Desist.” While it remains due and owing, Mr. [redacted] will no longer receivecorrespondence or calls from Midland Credit representatives unless a response is required bylaw.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 ConsumerSupport Services team at (800) 825-8131 ext. [redacted] should you have any further questions.Sincerely,Midland Credit Management, Inc.[redacted],Senior Manager Operations, Consumer Support Services

Dear [redacted]
 
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received June 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 October 16, 2012.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on November 4, 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 September 3, 2010.  The balance at the time of purchase was $165.63.  Final payment on the account was received by Midland Credit on December 16, 2013.  [redacted] has no further financial obligation for this account.
 
[redacted] expresses a concern that her validation requests have been ignored.  On November 10, 2012, Midland Credit mailed [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her 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 [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 December 9, 2014, 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 [redacted] and collect the debt.
 
[redacted] expresses concern that she did not receive a response to her letter until February of 2015.  On or about December 19, 2014 Midland Credit mailed [redacted] a letter responding to her dispute.  The letter stated that the account had been paid and that Midland Credit had concluded that the account was being reported accurately.  An additional letter of dispute was received from [redacted] on January 29, 2015.  In response to that letter, on or about February 4, 2015 Midland Credit mailed another copy of the letter which it had previously mailed in December.
 
[redacted] expresses further concern that the letters mailed to her by Midland Credit in response to her dispute letters stated it was an attempt to collect a debt.  The referenced statement was a portion of a disclosure which is included on letters sent by Midland Credit as required by law.  However, as referenced above, the letters stated that the account had been paid.  They also reflected a current balance of $0.00. 
 
[redacted] expresses a desire to have the account deleted from her consumer credit files since the debt has been repaid.  While Midland Credit is pleased that it was able to assist [redacted] in reaching a resolution which resolved the balance for the above-referenced account, it is Midland Credit’s policy to report all accounts accurately.  A review of Midland Credit’s business records indicates that it is accurately reporting the account as “Account paid in full, was a collection account.”  If Midland Credit were to delete the account, its correct and accurate status would not be reflected.
 
[redacted] writes that the account was not reported to the credit reporting agencies until after it had been resolved in December of 2013.  The account was first reported on or about December 18, 2012 and has continued to report accurately since that time.  The only exception is that the account was updated to report as “Account paid in full, was a collection account” on or about December 17, 2013.
 
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]