Western Power Train Repair Ltd

Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received June 21, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on November 25, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on March 28, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on October 28, The balance at the time of purchase was $2, A copy of the verification information provided by the seller is enclosed for [redacted] records [redacted] expresses a concern that his [redacted] card was closed years ago after he paid thousands and he has not heard from [redacted] *** Consumers are sometimes unclear as to what the term “charge off” means for a debt When a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books Often, they then sell the debt Please note that the underlying promissory obligation remains valid, due and owing Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account In addition, [redacted] advised the most recent payment received by [redacted] was in June of for the amount of $70.00, and that the current balance is due The current balance information is reflected on the verification information Midland Credit has enclosed with this response If [redacted] believes that his payments to [redacted] paid the balance in full, Midland Credit respectfully requests [redacted] provide documentation or evidence which substantiates his claim [redacted] can contact Midland Credit online at [redacted] where he can email questions to a Consumer Support Services (CSS) specialist, find the answers to frequently asked questions, and upload documents to support his request Uploaded documents are automatically sent to a CSS specialist, who will investigate the consumer’s question and mail back a response [redacted] may also forward appropriate documentation to CSS using the contact information on this letterhead [redacted] indicated that he received a letter advising the account could potentially be forwarded to an attorney There are several factors used to determine the eligibility of accounts for legal effortsAs a result, the account has been determined to be eligible for legal efforts Midland Credit acted appropriately in advising that non-payment on the account may result in the account being forwarded to a law firm in [redacted] ’s area to review for possible legal efforts to collect the balance This was an accurate statement of potential next steps to be taken on the account [redacted] also advised he read about a class action lawsuit involving Midland Credit and CPTA Regulations Midland Credit is unable to identify the referenced CPTA class action against Midland Credit regarding [redacted] ’s account If [redacted] has documentation that indicates he, or his account, were included in a CPTA action, he may forward that to CSS as indicated above Based on the information currently available to Midland Credit, it has acted in a timely manner and has complied with all applicable laws [redacted] ’s account remains valid, due, and owing to Midland Credit as servicer for Midland Funding With that said, [redacted] also states that he cannot afford to pay $for this account Should [redacted] now recognize that the debt remains due and wish to resolve the matter, he may qualify for a reduction in his account balance If such is the case, he can call Account Manager [redacted] at [redacted] to assist him in reaching a resolution of the account balance Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Assistant Secretary [redacted] Enclosure

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 follletter inquiry regarding Ms [redacted] complaint, which Midland [redacted] Management, Inc(“Midland [redacted] ”) received on October 23, 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 attorneyMidland [redacted] has no record of Ms [redacted] attorney’s contact informationPlease have Ms [redacted] provide her attorney’s information, if applicable, so that we may contact him/her directlyIf 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] , [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 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-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-ext*** should you have any further questions.Sincerely, Midland [redacted] Management, Inc[redacted] ***Senior Manager Operations, Consumer Support Services [redacted] Enclosure

Dear Revdex.com: Thank you for your letter inquiry regarding Ms [redacted] complaint, which Midland [redacted] Management, Inc(“Midland [redacted] ”) received October 9, Midland [redacted] is the servicer of the above-referenced account on behalf of the current owner, Midland Funding, LLC (“Midland Funding”) Midland [redacted] appreciates the opportunity to answer your questions A review of Midland [redacted] ’s business records indicates that Ms [redacted] may have retained an attorneyMidland [redacted] has no record of Ms [redacted] attorney’s contact informationPlease have Ms [redacted] provide her attorney’s information, if applicable, so that we may contact him/her directlyIf Midland [redacted] does not receive attorney information, it will assume that Ms [redacted] is not or is no longer working with legal counsel and will mark her account accordingly Ms [redacted] writes that she has no contract with Midland [redacted] , and is not responsible for the debt Consumers are sometimes unclear as to what the term “charge off” means for a debt When a [redacted] or "charges off" an account, it means that the [redacted] or no longer believes the consumer will pay the bill and has written the debt off of its books Often, they then sell the debt Please note that the underlying promissory obligation remains valid, due and owing Just as the original [redacted] or had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the [redacted] account A copy of the bill of sale verifying Midland Funding as the rightful owner of the account is enclosed, along with a copy of a seller data sheet confirming the account was included in the purchase by Midland Funding The above-referenced account remains collectible, due and owing to Midland [redacted] as servicer for Midland Funding A review of Midland [redacted] ’s business records indicates that the account information it is furnishing to the three major [redacted] reporting agencies is accurate A copy of the verification information provided by the seller is enclosed If Ms [redacted] is ready to resolve this debt, she may qualify for a reduction in her account balance Please have Ms [redacted] contact Midland [redacted] Account Manager [redacted] at (800) 825-ext*** 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-ext*** should you have any further questions Sincerely, Midland [redacted] Management, Inc [redacted] ***, Senior Manager Operations, Consumer Support Services [redacted] Enclosure

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below These people are, once again, going in circles saying the same thing and not providing the information that I've requested I contacted the Revdex.com to assist in resolving this matter so that I could avoid this incessant going back and forthHowever, Midland continues to frustrate me by maintaining that they are not violating my rights even tho I pointed out the facts that they are according to the FDCPA AND the FTCIf there's no further assistance that I can receive other than passing messages back and forth, then it is necessary for me to take my complaint to another level as, my rights continue to be violated during this extended period, even as I am actively requesting proper validation.Midland Funding has not provided proper validation and I DO have federally-protected rights and am not, in the very least, intimidated by this collections company If there is no further assistance that can be provided by the Revdex.com, then please advise, note my complaint and I will, with certainty, move forward with my complaints to the FTC and State Attorney General's Office for further investigation into this matter.I have nothing further to add Regards, [redacted]

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, 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 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 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 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 meIf anyone from MCM has reported any negative information to any credit reporting agency, they must now report that information as disputed under U.S.C§ 1692e(8) Once MCM provides the requested documentation, I will require days to investigate the informationDuring this time, you must cease collection activityMCM should not report negative information to the credit bureaus during this validation period If MCM does not respond to this validation request within days, all references to this account must be deleted from my credit reports and completely removed from my credit fileSend a copy of any such deletion request to me Regards, [redacted] ***

Dear Revdex.com: Thank you for your letter inquiry regarding Mr***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received August 2, 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] writes that they are not responsible for this debt and there is no signed contract with Midland Funding or its servicer, 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 A review of Midland Credit’s business records indicates that on June 2, 2013, this account was placed with [redacted] *** (“ [redacted] ***”) Suit was filed on August 16, and a judgment was obtained on September 26, A copy of the judgment is enclosed for Mr ***’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 Midland Credit encourages Mr [redacted] to work with [redacted] to assist in reaching a positive resolution Mr [redacted] may reach [redacted] at [redacted] *** Their phone number is [redacted] Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Division Manager, Consumer Support Services AR: kmb Enclosure

July 21, VIA E-Mail Revdex.com of San Diego Dear Revdex.com: Thank you for your letter inquiry regarding Ms [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received July 13, Midland Credit is the servicer of the above-referenced accounts on behalf of the current owner, Midland Funding, LLC (“Midland Funding”) Midland Credit appreciates the opportunity to answer your questions Ms [redacted] writes that there is no signed contract with Midland Funding or its servicer, 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 accounts remain collectible, due and owing to Midland Credit as servicer for Midland Funding Ms [redacted] expresses a concern that there are multiple accounts appearing on her credit report that she is not liable for The verification information provided by the seller of each of the referenced accounts is enclosed for Ms [redacted] ’s records Midland Credit’s business records indicates that it is not currently furnishing information to the three major credit reporting agencies regarding account no [redacted] Additionally, 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 nos [redacted] is accurate If Ms [redacted] has concerns regarding the information being reported by the original creditor, she may dispute it directly with the credit reporting agencies A review of Midland Credit’s business records indicates that on March 19, 2017, account no [redacted] was placed with Midland Credit’s Internal Legal Department (“Internal Legal Department”) Additionally, Midland Credit’s business records indicate that on June 18, 2017, account no [redacted] was placed with the Internal Legal Department Midland Credit encourages Ms [redacted] to work with the Internal Legal Department to assist in reaching a positive resolution of account nos [redacted] and [redacted] Ms [redacted] may reach the Internal Legal Department at [redacted] [redacted] If Ms [redacted] is ready to resolve account nos[redacted] , and [redacted] , she may qualify for a reduction in her account balances Please have Ms [redacted] call Account Manager [redacted] to assist her in reaching a resolution of the account balances Per Ms [redacted] ’s request for all collection efforts to cease, the above-referenced accounts have been marked “Cease and Desist.” While they remain due and owing, Ms [redacted] will no longer receive contact 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-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Division Manager, Consumer Support Services AR: kmh 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 [Provide details of why you are not satisfied with this resolutionPlease respond in this space ONLY] This company is so bogus They use third party callers to call and harasse you and cause there probably overseas they don’t record your phone calls This has been proven in the past They sit here and harasse at home and at work and make several threats to use a scare tactics I have encountered this several time with Midland and back in Its probable especially when I have them recorded using Midlands name as the company there calling on behalf So no I’m not satisfied with there response They need to go ahead and close these accounts out cause there fighting a losing battle just like the last time they lost Regards, [redacted]

Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 18, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of three accounts belonging to [redacted] *** Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on March 26, Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on June 8, 2011, as a [redacted] account number ending in [redacted] in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on December 23, The balance at the time of purchase was $ Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on January 30, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on August 13, 2010, as a [redacted] account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on December 23, The balance at the time of purchase was $1, Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on August 27, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on August 5, 2011, as a [redacted] account number ending in [redacted] in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on December 27, The balance at the time of purchase was $ [redacted] expresses concern over accounts he has discovered on his credit report, and writes that his requests for validation have not been appropriately responded to Midland Credit mailed [redacted] separate and unique validation letters – on April 30, 2014, for account no [redacted] , on February 16, 2014, for account no [redacted] , and on September 5, 2014, 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, U.S.C§ et seq (“FDCPA”) The letters were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any correspondence disputing the debts or requesting validation from [redacted] in response to the letters A review of Midland Credit’s business records indicates that while it has not received any written correspondence directly from [redacted] ***, it received notices of possible dispute for the accounts from the credit reporting agencies In response to the notifications from the credit reporting agencies, Midland Credit verified the account information being reported to the credit reporting agencies, and mailed [redacted] correspondence containing the appropriate account information, and included the verification information provided by the seller with its responses for account nos [redacted] and [redacted] on or about December 21, [redacted] also writes that he has received calls and letters at his place of work, and that he had advised that he did not want to be contacted at work A review of Midland Credit’s business records does not indicate that it received any notice prior to the complaint received through your office that communications to his place of employment were inconvenient Neither [redacted] ***’s work address nor work phone number were provided in the complaint as received through your office In order to ensure that [redacted] will no longer receive any unintended communications, please have [redacted] contact Midland Credit’s Consumer Support Services team at [redacted] to confirm that such information so that it may be appropriately updated in Midland Credit’s records In the meantime, the above-referenced accounts have been marked “Cease and Desist.” [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law Additionally, [redacted] states that he received a letter from Midland Credit stating an investigation had taken place and that the accounts would be removed from the three major credit reporting agencies, and no further collection activities would occur [redacted] further states that this has not been done Regarding account nos [redacted] and [redacted] , Midland Credit previously made the business decision to close the accounts on February 8, 2016, and letters advising [redacted] of such was mailed to him that same day [redacted] has no further financial obligation for account nos [redacted] and [redacted] Shortly thereafter, Midland Credit notified the three major credit reporting agencies to cease reporting the tradelines of account nos [redacted] and [redacted] Please note that the credit reporting agencies have advised that they may require to days to update to a consumer’s credit files However, regarding account no [redacted] Midland Credit has reached out to the seller for additional information concerning the account Midland Credit has acknowledged [redacted] ***’s 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 continue to furnish account information to the three major credit reporting agencies for this account 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] ***

November 22, 2017VIA E-MailRevdex.com of San DiegoRe: Consumer complaint of [redacted] E [redacted] Revdex.com# [redacted] Dear Revdex.com:Thank you for your letter inquiry regarding Ms [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received on November 14, Midland Credit is the servicer of the account on behalf of the current owner, Midland Funding, LLC (“Midland Funding”) Midland Credit appreciates the opportunity to answer your questions.Ms [redacted] states that she was notified of a claim, 27-CV-15-16035, against a [redacted] that shows up on her Title search, and states she is not affiliated with that party On October 27, 2017, Midland Credit received an email from Ms [redacted] , but was unable to locate the referenced matter, and sent Ms [redacted] a letter on October 31, 2017, requesting more information to assist her An additional email was received from Ms [redacted] on November 6, On November 21, 2017, a Midland Credit representative reached out to Ms [redacted] about the matter The representative confirmed that her information is not connected to the account, and the last four digits of her social security number do not match the number in Midland Credit’s records Midland Credit’s business records indicate that judgment case no [redacted] was not obtained against [redacted] E [redacted] A copy of Midland Credit’s wrong party judgment letter is also enclosed for Ms [redacted] ’s records.Please note that Midland Credit does not furnish judgment information to the consumer reporting agencies Judgments are a matter of public record Midland Credit encourages Ms [redacted] to contact the credit reporting agencies and/or public records office in order to have any erroneous information removed from her public record.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-ext [redacted] should you have any further questions.Sincerely, Midland Credit Management, Inc[redacted] ***Senior Manager Operations, Consumer Support Services [redacted] ***Enclosure

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below.First of all, Midland Funding has violated state and federal consumer protection laws The information they are providing now comes too little too late The bottom line is they never responded to my request for validation within the specified time period, and they never ceased collection activity Credit bureau reporting is considered collection activity case law that supports this is [redacted] vsDiem Corp I have made every effort to resolve this matter without taking legal action I am respectfully requesting that Midland Funding request deletion of this invalidated account, Regards, [redacted]

July 29, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] Dear [redacted] Thank you for your letter inquiry regarding *** [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received July 20, Midland Credit appreciates the opportunity to answer your questions [redacted] expresses a concern that Midland Credit has been contacting him for the past months in an attempt to reach another person, even after he advised that he was not the correct person 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] ’s 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 that the phone number provided by [redacted] in the complaint, [redacted] , was disabled on July 20, and no calls have been placed to this phone number since [redacted] states that he had previously advised Midland Credit they have contacted the wrong person and is told by the representative that a note will be added, yet the phone calls continue A review of Midland Credit’s records indicates that only one phone call has been made to the phone number provided in [redacted] ’s complaint Additionally, a review of Midland Credit’s records do not indicate that representatives were rude or unprofessional to [redacted] , nor was the consumer’s personal account information disclosed Often a consumer will speak to someone from one collection agency and then erroneously believe that any subsequent collection calls, even those from another collection company, are from the same company Since [redacted] ’s complaint states that he is receiving calls well in excess of those made by Midland Credit representatives, it appears that this has happened to him [redacted] ’s phone number was marked “Do Not Call” in Midland Credit’s computer system and he will continue to not receive calls from Midland Credit representatives regarding the referenced account Additionally, [redacted] ’s phone number has been added to an exclusion list to prevent it from being called in the future regarding the referenced account 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] ’s 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 allegedly have two accounts with them showing on all three credit bureausI have asked them to show "validation" of these accounts by providing my signature as I do not believe these accounts are mineThey refuse to do so and state their validation is multiple bills that do not have my signature or anything like that on them.I would like this removed from my credit report or I will have to sue them as I have no contract with them and I have no signature on anything with themThey claim to have purchased an account from another company which I have in writing that company never sold anything to them

Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received June 4, 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, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on November 4, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on September 3, The balance at the time of purchase was $ Final payment on the account was received by Midland Credit on December 16, [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, U.S.C§ et seq (“FDCPA”) The letter was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ 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 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 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 On or about December 19, 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, In response to that letter, on or about February 4, 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 $ [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 The account was first reported on or about December 18, 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, 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 find that this resolution would be satisfactory to me Regards, [redacted]

Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received July 26, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of two accounts belonging to [redacted] *** Midland Credit became the servicer of account number [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on August 21, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on April 3, as a [redacted] ***/ [redacted] credit card account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on July 3, The balance at the time of purchase was $1, A review of Midland Credit’s business records indicates that on January 24, 2016, this account was placed with [redacted] A judgment was subsequently obtained and a copy is enclosed for her records Midland Credit became the servicer of account number [redacted] , on behalf of purchaser, Midland Funding, on November 25, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on March 20, as a [redacted] ***/ [redacted] credit card account number ending in [redacted] in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on January 21, The balance at the time of purchase was $1, A review of Midland Credit’s business records indicates that on January 31, 2016, this account was placed with [redacted] A judgment was subsequently obtained and a copy is enclosed for her records [redacted] alleges that her requests for validation have been ignored Midland Credit mailed [redacted] separate and unique validation letters – on November 20, 2015, for account number [redacted] , and on December 11, 2015, for account number [redacted] These letters informed her that Midland Funding had acquired the accounts, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letters were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any written correspondence disputing the debts or requesting validation from [redacted] in response to the letters In fact, no written correspondence was received directly from [redacted] prior to the complaint filed through your officeMidland Credit did receive a notice of possible dispute from the credit reporting agencies regarding account number [redacted] on July 17, In response to that notification, Midland Credit mailed [redacted] verification information provided by the seller on July 22, Although verification information provided by the seller was mailed to [redacted] in response to her dispute, a copy of that documentation is again enclosed for her records as well as verification information for account number [redacted] 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 FDCPAChaudhry vGallerizzo, F.3d (4th Cir1999) [redacted] expresses a concern regarding the figures reflected on her credit reportThe balances being furnished to the credit reporting agencies pertain to the debts themselves and do not include any additional costs and fees associated with collection of the debts such as courts costs related to obtaining the judgments Those costs are not part of the underlying debt The account information Midland Credit is furnishing to the three major credit reporting agencies is accurate The balances being reflected match the amounts charged off by the original creditor and subsequently purchased by Midland Funding [redacted] indicates that she received calls and a letter to her place of employmentA review of Midland Credit’s business records show that no calls have been placed to [redacted] this year and [redacted] have advised they have been unable to contact [redacted] over the phone and none of their attempts to contact her by mail were returned as undeliverable Midland Credit also was unable to locate a notification by [redacted] to cease attempts to contact her With that said, per [redacted] request, the above-referenced accounts have been marked “Cease and Desist.” While they remain due and owing, [redacted] will no longer receive correspondence or calls from Midland Credit representatives unless a response is required by law or it is for a specific purpose related to legal efforts Midland Credit encourages [redacted] to work with [redacted] to assist in reaching a positive resolution [redacted] may reach the firm 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

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 FDCPA states that A debt collector may not collect any interest or fee not authorized by the agreement or by lawAs per MCM "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"I have not received any such agreement from the original creditor, As per law the MCM is not authorized to collect interest unless it is authorized, I request MCM to provide a contract from original creditor stating that MCM is authorized to collect interest on this accountMCM never mentioned till date that they have added 6% interest rate between June and December 2014, A [redacted] judge in Jones vMidland Funding, LLC, FSupp2d (DConn2010), granted summary judgment to Jones, holding that Midland violated Section 1692g(a)(1) where MCM never mentioned interest accrualAs per MCM the alleged account was charged-off as an unpaid delinquent-debt on November 30, The balance at the time of purchase was $21,MCM has added interest at a rate of 6% between June and December 2014MCM did not mention if the interest charged was simple or compounded, even if 6% compound interest is added to original balance of $21,for months including both June and December the total compounded interest should be $5,combined with principal total due would be $26,760.32MCM has been reporting a balance of $26,against this account to all credit reporting agencies on my credit reportAs per Sunga vRees Broome, P.C., U.SDistLEXIS (August 12, 2010), Misstating the amount a Consumer owes by a mere penny may constitute a violation of the FDCPAFDCPA prohibits the use of any false, deceptive, or misleading representations in an attempt to collect a debtSee U.S.C§ 1692eAs per evidence presented above MCM has violated FDCPA and I request all references to this account to be deleted from my credit reports and completely removed from my credit file Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Midland Funding is reporting a collection account on my credit report that I have been trying to resolve for yearsThey always reply with the same canned responseMost recently, they referred me to contact another party to resolve this accountI do not believe they should be reporting if they are longer handling the accountWhen going to their website to view my account there is no balance information or any other informationI have screen shots of this, if neededIn addition, they state the account balance is $660, but have previously sent me threatening letters asking for $963.81, I have copies of these letters also.I want this account removed from all three credit reporting agencies Regards, [redacted]

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 / [redacted] Style Definitions */ The response supplied by Midland Credit Management, concerning my complaints against Midland Credit Management appears to be a computer-generated form letter offering little more than an amount and a date concerning the alleged debtI do not understand how this company can claim to be collecting a legitimate debt when they cannot provide any evidence to support the claims that a) this debt is a legitimate debt, b) proof that Midland Credit Management has permission to collect this debt, c) they have provided previous verification of this debt), and d) that Midland currently possesses any documents of this debt Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that Midland Credit Management doesn’t possess adequate documentation to collect this alleged debt In order to provide proof that a) this debt is legitimate, and b) they have the right to collect this debt, I am requiring the following documentation as proof: The original contract including my signature All monthly statements from this account from the day it was opened with the original creditor until it was assigned with Midland Credit Management Contract between [redacted] and Midland Credit Management for this account, granting them ownership of this account The monetary amount for which Midland purchased this account from [redacted] *** Day-by-day breakdown of the charges, Interest, and fees that Midland Credit Management has added to the account since it purchased the account Contract between [redacted] and Midland Credit Management that provides Midland with the ability to collect on this account Until the documentation requested in this letter is provided, I can only assume that this debt does not exist and a clerical error has occurredIn addition, until this documentation can be provided, I want this account removed from all three (3) credit reports immediatelyThank you for your help in resolving this matter Regards, [redacted]

September 25, VIA E-MailRevdex.com of San Diego Re: Consumer complaint of [redacted] ***Revdex.com# [redacted] MCM #: [redacted] Original Creditor: [redacted] ***Original Account #: [redacted] Affinity: [redacted] Dear Revdex.com: Thank you for your letter inquiry regarding Ms***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received on September 20, 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] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”) Given that Midland Credit’s response to the complaint from your office would contain similar information as the response which Midland Credit previously provided to the CFPB, a copy of that response is enclosed Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms*** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Enclosure