Western Power Train Repair Ltd

Dear [redacted]:
 Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit
Management, Inc. (“Midland Credit”) received August 27, 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 March 13, 2012.  Information provided by the seller, [redacted], at
the time of acquisition indicates this account was originated on [redacted]uary 11, 2005 as a [redacted]
account number ending in [redacted],
in the name of [redacted], under the last four of the social security number [redacted].  Subsequently, the account was charged-off as
an unpaid delinquent-debt on June 13, 2010.  The charge-off balance was $226.91. Additional seller fees of $56.73 resulted in a balance at the
time of purchase by Midland Funding of $283.64. 
 
[redacted] expresses a concern that their validation requests have been ignored and
wants evidence that Midland Credit can collect on the debt.  On April 15, 2012, Midland Credit mailed the
consumer a validation letter, which informed them that Midland Funding had
acquired the account, and of their rights pursuant to 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 their 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 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 while it began receiving notices of possible
dispute from the credit reporting agencies in August 2015, it did not receive
correspondence directly from the consumer prior to the complaint filed through
your office.
 
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 the consumer and collect the debt.
 
[redacted] also questions whether the account is collectible due to the expiration of
the statute of limitations as they state they have not had a [redacted] account
since [redacted]  As indicated above, the debt originated with [redacted] in 2005
and was charged off in 2010.  A review of
Midland Credit’s business records indicates that the statute of limitations is not
set to expire until February 2016.  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 an account from
being reported 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 does not expire until January 2017. 
 
Although
the current request for validation of the debt is untimely, a copy of the
verification information provided by the seller is enclosed for [redacted]
records.  A review of Midland Credit’s
business records indicates that it is accurately furnishing information for the
above-referenced account to the three major credit reporting agencies.
 
If
[redacted] is ready to resolve this debt, they may qualify for a reduction in their
account balance.  Please have the
consumer call Midland Credit Account Manager [redacted] at [redacted] to assist them in reaching a resolution of the account balance.
 
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights.  Midland Credit
apologizes for the inconvenience caused to [redacted]
 
Thank
you again for your assistance in this matter.  Please contact Midland
Credit’s Consumer Support Services team at [redacted] should you
have any further questions.
 
Sincerely,
 
Midland Credit Management, Inc.


















 
[redacted]
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
 
[redacted]
 
Enclosure

Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received January 15, 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 March 26, 2014.  Information provided by the seller, [redacted]., at the time of acquisition indicates this account originated on September 3, 2012, as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted]  Subsequently, the account was charged-off as an unpaid delinquent-debt on October 15, 2013.  The balance at the time of purchase was $806.53.  A review of Midland Credit’s business records indicates that on August 24, 2014, this account was assigned to Midland Credit’s Internal Legal Department (“Internal Legal Department”).
[redacted] expresses concern that Midland Credit is attempting to collect a debt that may have resulted from fraudulent charges to her [redacted] account, and requests that documentation from the disputed period in 2013 to show what purchases were made.
 
Midland Credit has received and reviewed documentation from [redacted], including a letter from [redacted] dated August 6, 2015, referencing a [redacted] credit card ending in [redacted].  This letter indicates that after [redacted] purchase of the [redacted] freezer in September 2012, $723.22 was charged to the account ending in [redacted].  There were no subsequent purchases and the account was charged off for non-payment in October 15, 2013.
With that said, Midland Credit has reached out to the seller to obtain further information and documentation, and will cease collection efforts while it obtains the requested information. Once Midland Credit has obtained such information and documents, a copy will be forwarded to your office.  Additionally, Midland Credit will not furnish information for the account to the three major credit reporting agencies until it is able to provide further information.
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]

Dear Revdex.com:Thank you for your letter inquiry regarding Ms. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received July 25, 2017.  Midland Credit is the servicer of the above-referenced account on behalf of the current owner, Midland Funding, LLC (“Midland...

Funding”).  Midland Credit appreciates the opportunity to answer your questions.Ms. [redacted] expresses a concern that her requests for validation have been ignored.  A review of Midland Credit’s business records indicates that it began receiving notices of dispute through the credit reporting agencies on or about April 28, 2015.  Additionally, Midland Credit received correspondence directly from Ms. [redacted] on June 26, 2017, and a complaint submitted through the Consumer Financial Protection Bureau on July 13, 2017.  In response to her disputes, the verification information provided by the seller was sent on May 20, 2015, August 12, 2016, and June 22, 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.Midland Credit’s business records indicates that on August 17, 2014, this account was placed with [redacted].  Midland Credit encourages Ms. [redacted] to work with [redacted] to assist in reaching a positive resolution.  Ms. [redacted] may reach [redacted] at [redacted] Per Ms. [redacted]’s previous request, the above-referenced account will remain marked “Cease and Desist.”  While it remains due and owing, Ms. [redacted] will continue to not receive contact from Midland Credit representatives unless a response is required by law or it is for a specific purpose related to legal efforts.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]

Dear[redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received January 8, 2016.  Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that Midland...

Credit is the servicer of an account belonging to another consumer.  During a search for the correct consumer, [redacted] phone number was provided to Midland Credit representatives by a third party.  In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account.  Please note, Midland Credit had no information that it was contacting a wrong number for the consumer until receipt of the complaint through your office.
[redacted] phone number [redacted] has been marked “Do Not Call” in Midland Credit’s computer system for the referenced account.  [redacted] will no longer receive calls at that number from Midland Credit representatives regarding the referenced account.  Please note that Midland Credit does not have phone number [redacted] in its system.  [redacted]’s phone numbers have been added to an exclusion list to prevent them from being called in the future regarding the referenced 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]

October 31, 2017VIA E-MailRevdex.com of San DiegoRe: Consumer complaint of [redacted]Revdex.com# [redacted] MCM #: [redacted]Original Account #: [redacted]Dear Revdex.com:Thank you for your follow-up letter inquiry regarding Ms. [redacted] complaint, which Midland [redacted] Management, Inc. (“Midland [redacted]”) received on October 23, 2017.  Midland [redacted] appreciates the opportunity to answer your questions.As stated in its previous response, 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] requests a copy of the agreement with Midland Funding’s client granting the authority to collect the debt, proof of contractual obligation to pay the debt, and other documents and information regarding the sale of the account.  Midland [redacted] respectfully maintains that it has provided such information in its previous response.  Copies of the bill of sale verifying Midland Funding as the rightful owner of the account were previously enclosed, along with a copy of a seller data sheet confirming the account was included in the purchase by Midland Funding.  Additionally enclosed now is a copy of the cardholder agreement issued by [redacted]., which references the rights for the agreement between Ms. [redacted] Bank, N.A., and its successors or assigns.Ms. [redacted] also requests proof that her full social security number was included in the purchase, and expresses concern that only the last 4 numbers of her social security number were provided.  Midland [redacted] is committed to consumer privacy, and does not disclose complete social security numbers in its written communications.  Please assure Ms. [redacted] that Midland [redacted] does not modify or alter any of the original account information provided by the seller, including the social security number.  Ms. [redacted] is encouraged to contact Midland [redacted]’s Consumer Support Services team by ph[redacted] to verify the information Midland [redacted] has on file.  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

Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received March 9, 2016.  Midland Credit appreciates the opportunity to answer your questions.  [redacted] filed a similar complaint through...

the Consumer Financial Protection Bureau (“CFPB”).  A copy of Midland Credit’s response to the CFPB is enclosed. 
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on   March 15, 2012. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on July 5, 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 February 12, 2012.  The balance at the time of purchase was $595.65. 
[redacted] states that she has never had a [redacted] credit card and does not know why the account is being reported.  Midland Credit sent [redacted] a validation letter on March 25, 2012.  In the letter, Midland Credit informed her that Midland Funding had acquired the account, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq.  (“FDCPA”).  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 received the first correspondence from [redacted] on January 11, 2016.  The letter indicated that [redacted] was requesting documentation on an “alleged” debt.  Based on the information [redacted] provided and pursuant to the [redacted] Finance Code, Midland Credit responded by sending her a copy of the verification information provided by the seller and a letter on January 22, 2016 advising that Midland Credit had determined that its credit file, and the information it is furnishing for the above-referenced account, was accurate.
Please note that the verification information provided by the seller meets the requirements of the FDCPA.  The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA.  In addition, Midland Credit acted appropriately in subsequently furnishing information to the three major credit reporting agencies that this account is disputed.
Ms. [redacted] questions whether Midland Credit is able to assess interest and fees to the above-referenced account.  Please note that the account was purchased from the seller with all rights.  Interest charged by the original creditor is allowable by law.  Likewise, 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. With that said, Midland Credit made the business decision to stop charging interest in December 2014.
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 account on March 17, 2016. 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 will be notified to delete Midland Credit’s reference to the collection account in question from [redacted] consumer credit files.
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to Ms. [redacted].
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
 
[redacted], Esq.
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Enclosure

Dear [redacted]:
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received April 14, 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 April 11, 2016.  In the previous response Midland Credit stated that it had acknowledged [redacted] dispute, ceased collection efforts, annotated account number [redacted] as disputed, and was in the process of verifying the debt. 
Midland Credit has since obtained verification information from the seller.  A copy of the verification information for account [redacted] is enclosed.  Please note that during this investigation period, Midland Credit had notified the credit reporting agencies to cease reflecting the collection tradeline for account number [redacted] on [redacted] consumer credit files. Midland Credit has made the business decision not to request the tradeline be reinstated for this account. 
Verification information from the seller for account [redacted] was enclosed in Midland Credit’s previous response to your office on April 11, 2016.  A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies for account number [redacted] is accurate.
[redacted] is requesting proof of service for account number [redacted].  A review of [redacted] (“[redacted]”), records indicates that [redacted] was personally served on May 17, 2013.  Proof of service is attached for [redacted] records. 
[redacted] states that she does not acknowledge the debt and is requesting all documents and proof of her signature.  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.
[redacted] expresses a concern that the debts are time barred due to the statute of limitations.  A review of Midland Credit’s business records indicates that the statute of limitations has expired for account number [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.  In regards to account number [redacted], Midland Credit’s business records indicate that suit was appropriately filed prior to the expiration of the statute of limitations.
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 accounts has not expired.
Per [redacted] request for communication to stop, the above-referenced accounts have been marked “Cease and Desist.”  While they remain due and owing, [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by [redacted] or it is for a specific purpose related to legal efforts.
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]
If [redacted] is ready to resolve account number [redacted] may qualify for a reduction in her account balance.  Please have [redacted] call Account Manager [redacted] at [redacted] to assist her in reaching a resolution of the account balance.
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Enclosure

Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received April 25, 2016.  Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that Midland...

Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on December 15, 2011.  Information provided by the seller,[redacted], at the time of acquisition indicates this account was originated on March 7, 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 November 13, 2011.  The balance at the time of purchase was $659.74.  A review of Midland Credit’s business records indicates that on November 8, 2015, this account was placed with [redacted]. (“[redacted]”). 
[redacted] expresses a concern regarding the verification information that was previously mailed to him being sufficient to show that the debt belongs to him.  Please note, the documentation was provided by the seller, matches the name and address supplied by [redacted] within his inquiry through your office, and 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.  Although verification information provided by the seller was already mailed to [redacted] in response to his prior disputes, a copy of that documentation is again enclosed for his records.
[redacted] also alleges that he never requested Midland Credit to submit a “disputed” remark to the credit reporting agencies and claims that he never disputed the account himself. A review of Midland Credit’s business records indicate that it has received multiple notifications of possible disputes from the credit reporting agencies that were submitted by [redacted]. In addition, Mr. [redacted] submitted a complaint through the CFPB (“Consumer Financial Protection Bureau”) on January 20, 2015 where he specifically indicated that he disputed the information that Midland Credit was reporting. In response to those disputes submitted by [redacted], Midland Credit is required to update the credit reporting agencies with this information.  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.
Should [redacted] wish to have the dispute notation removed from his consumer credit files, he may submit a written request, stating that he does not dispute that the debt belongs to him to Consumer Support Services using the address on this letterhead.   However, please note that requesting validation of the debt or full removal of the account from his consumer credit files is also treated as a dispute.
The debt remains placed with [redacted] at this time. Midland Credit encourages [redacted] to work with the firm to assist in reaching a positive resolution.  He may reach [redacted] 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

May 18, 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]
In its previous response dated April 1, 2016, Midland Credit stated that it had acknowledged [redacted] dispute regarding account no. [redacted] ceased collection efforts, annotated the account as disputed, and was in the process of verifying the debt.  [redacted] submitted another inquiry on May 4, 2016, and this response serves to address his additional concerns.
Midland Credit has acted in a timely manner and has complied with all applicable laws.  However, in keeping with its Consumer-First policy, Midland Credit has made the business decision to close account no. [redacted].  There will be no further collection activity or sale of this account.  In addition, as stated in is previous response, the three credit-reporting agencies were previously notified to delete Midland Funding’s reference to the collection account in question from [redacted]’s consumer credit files.
[redacted] continues to express concern that he has a letter stating that the accounts would be removed from his credit report.  As indicated in its previous response, Midland Credit previously made the business decision to close account nos. [redacted] and [redacted] on February 8, 2016.  Shortly thereafter, Midland Credit notified the three major credit reporting agencies to cease reporting the tradelines of account nos. [redacted] and [redacted].  Midland Credit ceased furnishing information for the tradeline for account nos. [redacted] and [redacted] on February 29, 2016, and for account no. [redacted] on April 11, 2016.  Please note that the credit reporting agencies have advised that they may require 30 to 60 days to update to a consumer’s credit files. 
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 26, 2017
 
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]
 
Dear Ms. [redacted]:
 
Thank you for your letter inquiry regarding...

Mr. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received June 16, 2016.  Midland Credit appreciates the opportunity to answer your questions.
 
An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer with a name similar to yours.  During a search for the correct consumer, your phone number was provided to Midland Credit representatives by a third party.  In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account. 
 
Your phone number has been marked “Do Not Call” in Midland Credit’s computer system for the referenced account, you will no longer receive calls from Midland Credit representatives.  Additionally, your phone number, [redacted] has been added to an exclusion list to prevent it from being called in the future.
 
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: bi

November 24, 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 November 10, 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 November 5, 2015.  [redacted] continues to express concern regarding his credit report.  He has also expressed an additional concern that his disputes are going unheard and states that he has reached out to the original creditor, [redacted].  Please note that Midland Credit has responded appropriately to all of the disputes that it has received, including the prior dispute received through your agency, referenced above.
 
[redacted] states the account is being reported by [redacted] as “Paid, was a collection account, insurance claim or government claim or was terminated for default”.  As previously advised, depending on the current condition of a given account, Midland Credit will furnish an account as either “Account assigned to internal or external collections,” “Account paid in full, was a collection account,” or “Account paid in full for less than the full balance.”  Midland Credit’s business records indicate that it is furnishing the account information as “Account paid in full, was a collection account,” to the three major credit reporting agencies. 
 
[redacted] also claims that [redacted] is listing Midland Credit as the original lender, and that [redacted] is not showing Midland Credit’s tradeline, only that of [redacted].  Midland Credit maintains its stance that it is furnishing the same “Account paid in full, was a collection account” status to all three major credit reporting agencies and that the information being furnished is accurate.  [redacted] is encouraged to communicate directly with the credit bureaus should he have any further concerns.  Additionally, 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.
 
[redacted] also writes that there was an agreement for a deletion when he paid the account.  According to Midland Credit’s business records, [redacted] was advised that if he paid the full balance on the account it would report as “paid in full.” Additionally, he was advised that if he were to accept a settlement offer on the account, there would be an additional line that would state “for less than full balance.”  Midland Credit then obtained authorization to accept payment on the account from [redacted] spouse, and the account was paid that day.  A review of Midland Credit’s business records indicates that it is accurately furnishing information for the above-referenced account as “Account paid in full, was a collection account.”  If Midland Credit were to delete the account, its correct and accurate status would not be reflected.
 
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to [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.
This is a notice that
I am rejecting MCM provided documentation supporting their debt claim under the
Fair Debt Collection Practices Act, 15 U.S.C. § 1692g(b). Pursuant to the
FDCPA, they must (a) provide the requested information before continuing collection
activity, or (b) stop all collection activity.
Provide me with all
competent evidence that I have a legal obligation to pay MCM, including, but
not limited to:
Provide Itemized statements or credit card statements from Account Number that
demonstrate how the alleged amount was calculated, MCM has been reporting this
balance against this account to all 3 credit reporting agencies on my credit
report
A contract, agreement, assignment, or other means demonstrating that MCM, had
the authority and capacity, and was legally entitled to collect on the alleged
debt from Account Number
A notarized statement, if presently existing or otherwise, by a person with
original knowledge of the alleged debt, as it was constituted, and who can
testify, or be so interrogated in a deposition, that the alleged debt was
incurred legally
Any further documentation, beyond what has been previously requested, that
clearly establishes my liability and/or responsibility to the alleged debt
Any and all notes, memoranda, or likewise, be they handwritten, computerized,
or typed, regularly kept in the normal transaction and business of collecting
debts, that relate to this Account
 
Proof of the Date of Last Activity (DOLA) as evidenced by date of the last
payment made on alleged Account, check # or draft #, amount paid and copies of
the DOLA as reported on My credit report (All 3 credit agencies). If these
dates do not correlate or match, please provide evidence as to why the
discrepancy
MCM's Articles of Incorporation and Name of the Registered Agent in State of NH
Provide proof that MCM is licensed to collect debt in the State of NH and has procured a bond as required by the State of NH
Provide proof that MCM is licensed and authorized to solicit the right to
collect or to receive payment for the claim of another in the State of NH
Until MCM has provided the above evidence to validate the debt, they may not
continue collection activity, and  may not contact me. If anyone from MCM
has reported any negative information to any credit reporting agency, they must
now report that information as disputed under 15 U.S.C. § 1692e(8).
Once MCM provides the requested documentation, I will require 30 days to
investigate the information. During this time, you must cease collection
activity. MCM should not report negative information to the credit bureaus
during this validation period.
If MCM does not
respond to this validation request within 30 days, all references to this
account must be deleted from my credit reports and completely removed from my
credit file. Send a copy of any such deletion request to me.
Regards,
[redacted]

October 10,...

2016
 
VIA E-Mail
 
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
 
Re:      Consumer complaint of [redacted]
Revdex.com# [redacted]
                        MCM# [redacted]
 
Dear Ms[redacted]
 
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received September 30, 2016.  Midland Credit appreciates the opportunity to answer your questions.
 
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on November 21, 2013.  Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on June 12, 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 October 24, 2013.  The balance at the time of purchase was $981.50.  Final payment on the account was received by Midland Credit on May 28, 2014.  [redacted] has no further financial obligation for this account.
 
[redacted] expresses a concern that he has received calls 10 times a day.  Please assure [redacted] that Midland Credit has safeguards in place to ensure that its calls are being placed according to applicable law.  A review of Midland Credit’s business records indicates that Midland Credit did not call [redacted] more often than is allowable pursuant to applicable law.
 
[redacted] also expresses a concern over information that he was advised during phone calls with Midland Credit representatives.  A review of Midland Credit’s business records appears to indicate that [redacted] was not advised that the account would be removed from his credit report once it had been paid.  Midland Credit apologizes for any misunderstandings that may have happened regarding this account.  A review of Midland Credit’s business records appear to indicate its representatives have acted appropriately.
 
With that said, on October 3, 2016, a Midland Credit representative reached out to [redacted].  During the phone conversation, [redacted] was advised that an update would be sent to the credit reporting agencies to have the account information removed from his credit files.  The confirmation number for the update that was sent to the credit reporting agencies is [redacted]
 
Please assure [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing.  With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law.
 
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to [redacted].
 
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
 
Sincerely,
 
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
 
[redacted]

Dear [redacted]?
 
Thank you for your letter inquiry regarding [redacted]s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received July 8, 2015.  Midland Credit appreciates the opportunity to answer your questions.
 
[redacted] filed a similar complaint...

through the Consumer Financial Protection Bureau (“CFPB”).  A copy of Midland Credit’s response to the CFPB is enclosed. 
 
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on September 8, 2009.  Information provided by the seller, [redacted], at the time of acquisition indicates this account originated on June 6, 2007 as a [redacted] account number ending in [redacted] in the name of [redacted] under the last four of the social security number [redacted]  Subsequently, the account was charged-off as an unpaid delinquent-debt on January 14, 2009.  The balance at the time of purchase was $795.54.
 
[redacted] expresses a concern that Midland Credit has failed to provide him with validation.  On October 10, 2009, Midland Credit mailed [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 [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 April 15, 2015, 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.
 
Although the April 15, 2015 request was not timely, verification information provided by the seller was mailed to [redacted] in response to his dispute on April 24, 2015.  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 copy of the verification information provided by the seller is enclosed. 
 
[redacted] requests information regarding the statute of limitations.  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 the debt. Rather, it eliminates litigation as a potential remedy to collect the debt.
 
Similar to the statute of limitations, the expiration of the seven-year Federal Reporting period also does not extinguish the debt.  It only prevents the account from being reported 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 expired.  Midland Credit ceased credit reporting of the above-referenced account as of May 2015.
 
[redacted] also requests a copy of an agreement signed between him and Midland Credit Management stating that he has a contractual responsibility for the above-referenced debt.  Please note that when a creditor "charges-off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books.  Often, they then sell the debt to a collection agency.  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. 
 
With that said, to help alleviate [redacted]s concerns, although such documentation is not normally provided, copies of the bills of sale between [redacted], and [redacted] and Midland Funding are enclosed.  A copy of a seller data sheet confirming the account was included in the purchase from [redacted] is also enclosed.
 
Additionally, [redacted] questions whether Midland Credit is licensed to conduct business in the State of [redacted].  Please be assured that Midland Credit is licensed and/or bonded in every state which requires such licensing and/or bonding for collection companies. 
 
With that said, if [redacted] is ready to resolve the above-referenced debt, he may qualify for a reduction in his account balance.  Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] to assist him in reaching a resolution of his account balance.
 
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to [redacted].
 
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
 
Sincerely,
 
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
 
[redacted]
 
Enclosure

Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received March 10, 2016.  Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that...

Midland Credit is the servicer of four accounts belonging to [redacted] however, only three of those accounts were mentioned in the complaint.  Account information for the fourth account is included for [redacted] information.
Midland Credit became the servicer of account number [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on July 20, 2015.  Information provided by the seller, [redacted]. at the time of acquisition indicates this account was originated on March 31, 2010 as a [redacted]. [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 19, 2014. The balance at the time of purchase was $548.92. 
Midland Credit became the servicer of account number [redacted], on behalf of purchaser, Midland Funding, LLC, on July 20, 2015. Information provided by the seller, [redacted]. at the time of acquisition indicates this account was originated on November 4, 2010 as a [redacted]. [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 11, 2014.  The balance at the time of purchase was $788.38. 
Midland Credit became the servicer of account number [redacted], on behalf of purchaser, Midland Funding, on July 20, 2015. Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on May 17, 2010 as a [redacted]. [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 19, 2014.  The balance at the time of purchase was $980.95.
Midland Credit became the servicer of account number [redacted] on behalf of purchaser, Midland Funding, on May 28, 2014. There was no reference to this particular account in [redacted] complaint. With that said, information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on June 15, 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 March 31, 2014.  The balance at the time of purchase was $989.32. 
[redacted] expresses a concern that her requests for validation have been ignored.  Midland Credit mailed [redacted] separate and unique validation letters – on August 10, 2015, for account numbers [redacted], [redacted] These letters informed her that Midland Funding had acquired the accounts, and provided the required disclosure of rights set forth in 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 received three pieces of correspondence from you, in January 2016, requesting validation of account numbers [redacted], [redacted].  Based on the information [redacted] provided and pursuant to the [redacted] Finance Code, Midland Credit responded by sending [redacted] letters for each account on February 3, 2016, advising her Midland Credit had determined that its credit file, and the information it is furnishing for each of the above-referenced accounts, was accurate.
Upon receipt of [redacted]’s subsequent dispute, regarding account numbers [redacted],[redacted], Midland Credit acknowledged [redacted]’s dispute, annotated the accounts as disputed, and has ceased collection efforts while it is in the process of verifying the debts.  Please note that Midland Credit requires additional time to fully investigate the matter and provide the information requested. Once Midland Credit has obtained verification of the debts, copies will be mailed to your office.  Additionally, Midland Credit is not furnishing account information to the three major credit reporting agencies, in fact the trade lines for the account numbers referenced in the complaint were deleted on February 29, 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]

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.midland funding has not reached out to the credit bureaus as I have called all three and none of them have said that Midland funding requested the alleged [redacted] account to cease reporting. Furthermore, the account still shows on the credit reports in my most recent copy as of a few days ago. Lastly, midland funding provided a so called certificate of service to the District Court for the [redacted] account yet the description of the person served isn't me proving I had no knowledge of this suit or any chance to defend myself for the fraudulent account.
To make matters worse they received a default judgement and my wages were garnished and shows satisfied in the court records. Yet 1,700 is being pursued on my credit report for an account that was never mine to begin with. I've never had a credit card with [redacted]. They aren't sending documents with signatures because they don't have any. I lived with my now 4 year old son at 1813 Elton road yet the certificate of service states a woman 24 years old 5'7 was served. I would have been 29 at that time and I'm 5'9. Midland funding are a bunch of crooks with shady business practices that use fake accounts to get default judgements. I was never served and these accounts were not mine and they have yet to show signed proof their either had he right to be reported to the bureaus in the first place.Regards,[redacted]

Dear Revdex.com:
 
Thank you for your letter inquiry regarding Mr. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received September 26, 2017.  Midland Credit is the servicer of the above-referenced account on behalf of the current owner, Midland Funding, LLC...

(“Midland Funding”).  Midland Credit appreciates the opportunity to answer your questions.
 
Mr. [redacted] expresses concern about an unknown account appearing on his credit report, further stating that he has never received services from Midland Funding.  An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding on January 29, 2015.  Information provided by the seller, Sherman Originator III, LLC, at the time of acquisition indicates this account was originated on April 14, 2014, as a [redacted] N.A. Visa 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 21, 2014.  The balance at the time of purchase was $616.18. 
 
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.  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 copy of the verification information provided by the seller is enclosed for Mr. [redacted]’s records.  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 [redacted] at (800) 825-8131 ext. [redacted].
 
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],
Senior Manager Operations, Consumer Support Services
AR: [redacted]
 Enclosure

I have reviewed the response made by the business in reference to complaint ID [redacted]. I will wait for the business to perform this action.
Regards,
[redacted]

Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received January 20, 2016.  Midland Credit appreciates the opportunity to answer your questions.  [redacted] filed a similar complaint through the...

Office of the Attorney General, State of California (“AG”) and Consumer Financial Protection Bureau (“CFPB”). 
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 30, 2015.  Information provided by the seller, [redacted]., at the time of acquisition indicates this account was originated on January 18, 2013 as a [redacted]. general consumer loan 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 29, 2014.  The balance at the time of purchase was $7,415.83. 
The seller has indicated that the above-referenced account has two original account numbers for identification purposes.  Both account numbers appear in the system.  The last four digits of the additional identifying account number are [redacted].  Midland Credit received representations and warranties from the seller that the information provided is accurate.
[redacted] states that he has disputed this information with [redacted] and would like the account removed from his credit report.  On July 13, 2015, 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.  However, a review of Midland Credit’s business records indicates it began receiving notices of possible dispute from the credit reporting agencies on December 11, 2015.  A copy of the verification information provided by the seller is enclosed for your records.
[redacted] expresses a concern that Midland Funding is reporting a re-aged account on his credit report.  Please assure [redacted] that Midland Credit does not modify or alter any of the original account information provided by the seller, such as the name of the consumer, or the date of occurrence.  Midland Credit furnishes information on the accounts it acquires 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.”  The open date listed on [redacted]’s credit report is in fact the date of purchase by Midland Funding LLC.  
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.
If [redacted] is ready to resolve the above-referenced debt, [redacted] may qualify for a reduction in his account balance.  Please have [redacted] call Account Manager [redacted] at [redacted] to assist him in reaching a resolution of the account balance.
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
 
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Enclosure

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Marking the account as cease and desist is not resolving the issue. The debt will still exist. I contacted [redacted] and was told I needed to contact Midland because they did not have the authority to agree to the terms of my offer. I faxed the offer to both offices agreeing to pay the $275 in exchange  of them removing the debt from my [redacted] history. I have already paid hundreds of dollars towards a debt that I do not owe yet still agreed to pay just to make it go away. I menti[redacted]d that my sister in [redacted] was living in my house the year they claim this debt was acquired and it may have been her because I don't know any[redacted] else who would have access to my personal information. This is also another reason I wanted to see the [redacted] card application so that I could see the signature. Nevertheless, Midland and [redacted] have provided me with NO proof of an agreement. I find it hard to believe that Midland is allowed to collect debts and sue people without producing a copy of the agreement. I don't feel that I'm asking for much. Where is the application? How on earth can an organization garnish wages and income taxes without proof their was a binding agreement between both parties?As for implying I must be confused regarding Midland's practices. Midland Funding LLC aka Midland [redacted] Management, Inc. (as I have received letters using both names) may be operating within the [redacted] but they have numerous complaints on Revdex.com, scam websites and there's even a [redacted] about them. The company is definitely 'shady' as they sent a garnishment letter two weeks ago to [redacted] where I had recently closed an account for the debt knowing very well I have been trying to negotiate with them. So while they try to make it look like they're playing fair while dealing with the Revdex.com, they're trying to stab me in the back. 
Regards,
[redacted]