Western Power Train Repair Ltd

July 6, 2017
 
VIA E-Mail
 
[redacted]
Revdex.com of San Diego
 
[redacted]      [redacted]...

[redacted]
                        [redacted]
 
Dear Ms. [redacted]:
 
Thank you for your letter inquiry regarding Ms. [redacted]’ complaint, which Midland Credit Management, Inc. (“Midland Credit”) received June 29, 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 Midland Credit has ignored her requests to remove the account from her credit reports due to the age of the debt, stating that it is over 10 years old.  Although the account was originally opened in 2005, the account had activity until July 2010, became delinquent in September 2010.  Midland Credit’s business records indicates that the seven-year Federal Reporting period for the above-referenced account will expire in September 2017. Please note that the expiration of the seven-year Federal Reporting period does not extinguish the debt.  It only prevents the account information from being furnished to the credit reporting agencies.  Additionally, Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate.
 
On September 13, 2013, Midland Credit mailed Ms. [redacted] a validation letter.  Please note that the letter was mailed to the same address listed within Ms. [redacted]’ complaint via the United States Postal Service.  The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”).  In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA.
 
A review of Midland Credit’s business records indicates that it received the first notice of dispute from the credit reporting agencies on May 13, 2015.  Although verification information provided by the seller was mailed to Ms. [redacted] in response to her dispute on June 3, 2015, a copy of that documentation is again enclosed for her records.
 
If Ms. [redacted] is ready to resolve the above-referenced debt, she may qualify for a reduction in her account balance.  Ms. [redacted] is encouraged to call Midland Credit Account Manager [redacted] to assist in reaching a resolution of her account balance.
 
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to Ms. [redacted].  Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.
 
Sincerely,
Midland Credit Management, Inc.
 
[redacted]
Division Manager, Consumer Support Services
AR: cl
 
Enclosure

Dear Revdex.com:
 
Thank you for your follow-up letter inquiry regarding
Mrs. [redacted]’s complaint, which Midland Credit
Management, Inc. (“Midland Credit”) received February 13, 2018. 
 
Mrs. [redacted] states that
she has called to provide her social security number, but hasn’t heard anything
back.  Midland Credit’s business records
appear to indicate that it has not received a phone call from Mrs. [redacted]
since Midland Credit’s initial response to your office.  Mrs. [redacted] may call Midland Credit’s
Consumer Support Services team at (800) 825-8131 ext. [redacted] to provide her
social security number so that Midland Credit may resolve her complaint.
 
Midland Credit considers consumer complaints a
serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the
inconvenience caused to Mrs. [redacted].  Thank
you again for your assistance in this matter.  Please contact Midland
Credit’s Consumer Support Services team should you have any further questions.
 
Sincerely,
Midland Credit
Management, Inc.
 
[redacted],
Senior Manager Operations, Consumer Support
Services
[redacted]

January 25, 2016
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re:      Consumer complaint of [redacted]
Revdex.com# [redacted]
                        MCM# [redacted]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received January 11, 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.  A review of the previous response sent indicates the letter had a date of January 4, 2015.  Please note there was a typographical error as this response was actually sent on January 4, 2016.
[redacted] expresses a concern that a debt collector must send a validation notice to a valid address where the consumer may live, and that Midland Credit intentionally sent the letter to an address where he would not receive it. A review of Midland Credit’s business records indicate that the address to which the validation letter was sent to was provided by the seller.  Based on that, Midland Credit attempted to contact [redacted] using that address. Upon receipt of the original complaint through your office, Midland Credit has confirmed its records reflect the address provided by [redacted] in the complaint.
[redacted] continues to express a concern that he has not received proof of the validity of the debt. Midland Credit provided account verifying information in its previous response.  As mentioned in that response, the original contract, complete payment history, and a full set of billing statements are not required under the FDCPA. 
[redacted] also states that the documentation previously provided did not show the current business relationship.  The validation documentation is once again enclosed, along with a copy of the bill of sale verifying Midland Funding as the rightful owner of the account.  A copy of a seller data sheet confirming the account was included in the purchase from Asset Acceptance, LLC is also enclosed.  A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate.
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at[redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Enclosure

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.
Per California and Federal state law, legal bindings on the debt owed is from the start date of the original debt, which expired 10/2017. They may go after the debt they think I owe, but have no legal grounds as it has been time-barred. I requested a letter stating such and they refused. This is a fraudulent debt but would not be seen as such by [redacted] despite my statements to them. This debt has been time-barred and Midland Credit is refusing. This is why they have been sued repeatedly by consumers for illegal collecting practices. If they wish to offer a settlement they may do so. I know my legal rights and that if I make an offer and it is rejected it restarts the time. I refuse to do such. Please note also, that the debt was for $922 and Midland is trying to get $1700.
Regards,
[redacted]

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I dispute Midland Credit Management’s response to my non-compliance complaint for various reasons. The primary reason is that upon submission of my validation request, which was received by *** * *** *** *** on July 17, 2015, (per my Certified Mail Receipt), no response was received from *** * *** *** ***. In Midland Credit Management’s response to my non-compliance complaint, they have included a letter based on their “investigation” results. Within this letter it states that *** * *** *** ***, sent a “verification” letter to me on September 25, 2015. Such a letter although “supposedly” formulated by *** * *** *** *** was never received by myself; therefore, if, in fact such a letter was even sent, it was delivered to an incorrect address or misdirected by the Postal Service...either way, it was not received by me. If either *** * *** *** *** or Midland Credit Management have a certified mail receipt showing/confirming/proving that their letter was delivered to my address, I would ask that they please provide me with such and I will further investigate the issue with the Postal Service.
Moreover, my validation request, received by *** * *** *** *** on July 17, 2015 was not a request for “verification” of a debt they may possess, but a request that their offices provide me with “competent evidence,” validating said debt and that “I “ have any legal obligation to pay this debt. This validation should have included the provision of the following information:1. Who was the original creditor on this account, and what was the account number?2. Valid copies of the debt agreement stating the original amount of the debt owed and interest charges.3. Agreement that bears my signature wherein I agreed to pay the creditor.4. Complete accounting of alleged debt, starting with the original creditor.5. The original date of delinquency for this account?6. Verification/Agreement that this debt was sold to the collector.7. The amount you paid for this account, and how you calculated the current amount owed?8. Any insurance claims been made by any creditor regarding this account.
Failure to reply to this debt validation request letter within 30 days from the date of their receipt (July 17th, 2015), should have immediately lead to all instances related to this account being deleted and completely removed from my credit file. With none of the aforementioned information being provided to me, within 30 days (or at all), even within Midland Credit Management’s response to my Revdex.com non-compliance complaint, I feel, again, that it reiterates and justifies my initial non-compliance dispute/complaint to the Revdex.com, especially given that I recently received the 2 (two) previously noted letters from *** * *** *** ***, P.S.C in an "attempt to collect a debt"...an unvalidated/disputed debt, which is a violation of 15 USC 1692g Sec. 809 (b) of the FDCPA.
Therefore, due to non-compliance with my request, as reflected within 15 USC 1692g Sec. 809 (b) of the FDCPA, I steadfastly request that this account’s final resolution be that all references to this supposed debt be deleted and completely removed from my credit reports and a copy of such deletion request being sent to me.Regards,*** ***

Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit
Management, Inc. (“Midland Credit”) received October 7, 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 April 19, 2012.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was
originated on July 6, 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 March 12, 2012.  The balance at the time of purchase was $593.24.
[redacted]
expresses a concern that there is a debt with Midland Credit on his credit
report which he did not open. [redacted] also writes that he disputed this
account with the credit bureaus yet it remains on his consumer credit files.  On April 23,
2012,
Midland Credit mailed [redacted] a validation letter.  Please note that the letter was mailed to [redacted] via the United States Postal Service.  The letter was not returned as
“undeliverable,” satisfying the notification requirements of the Fair Debt
Collection Practices Act (“FDCPA”).  15
U.S.C. § 1692.  In that letter, Midland
Credit provided the required disclosure of rights set forth in the FDCPA (15
U.S.C. § 1692).  
Midland
Credit’s business records indicate that it did not receive any correspondence
disputing the debt or requesting validation from [redacted] in response to the
letter.  Midland Credit received the first notice of possible dispute from
the credit reporting agencies on or about August 26, 2015.  In response, Midland Credit sent [redacted]
verification information provided by the seller along with a letter requesting he
provide further information if he still believed the account information is
inaccurate.
A
copy of the verification information provided by the seller is enclosed for [redacted] records.  Please note that the
verification information provided by the seller meets the requirements of the
FDCPA.  The original contract, complete
payment history, and a full set of billing statements are not required under
the FDCPA. Chaudhry v. Gallerizzo,
174 F.3d 394 (4th Cir. 1999).
[redacted] expresses a desire to have the above-referenced account deleted from his
consumer credit files upon resolving the balance.  Please note that it is
Midland Credit’s policy to furnish accurate account information.  Should
[redacted] pay the full balance, Midland Credit will furnish information for the
account as “Account paid in full, was a collection account.” 
Should [redacted] pay less than the full balance, Midland Credit will also notify
the credit reporting agencies to add an additional memo stating “Account
paid in full for less than the full balance.”  If Midland Credit were
to delete the account, its correct and accurate status would not be reflected.  A review of Midland Credit’s business records
indicates that the account information it is furnishing to the three major
credit reporting agencies is accurate.
[redacted] advises that the account may have been opened while he was ill by a family
friend who was caring for him.  Midland
Credit stands ready to assist [redacted] in clearing his record if he has been a
victim of identity theft or fraud.  If
such is in fact the case, Midland Credit respectfully requests that [redacted]
provide it with a copy of either a police report or affidavit of fraud showing
that he reported the fraudulent activity. 
Please note that an affidavit of fraud can be found at
[redacted]  If submitting an affidavit of fraud, [redacted]
should complete the form and have the form notarized. 
[redacted] can also contact Midland Credit online at [redacted] where 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.  Or
[redacted] may forward appropriate documentation to CSS using the contact
information on this letterhead.
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

Thank you for your prompt response. I've attached the form to this email. Best,[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.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
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, 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 of $26,822 was calculated, MCM has been reporting this balance against this account to all 3 credit reporting agencies on my credit reportA 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 NumberA 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 legallyAny further documentation, beyond what has been previously requested, that clearly establishes my liability and/or responsibility to the alleged debtAny 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 discrepancyMCM's Articles of Incorporation and Name of the Registered Agent in [redacted]Provide proof that MCM is licensed to collect debt in the [redacted] and has procured a bond as required by the [redacted]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 [redacted]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 reportedany 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]

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] Thank you for the response. I know it has been sometime and I'm sure that Midland is very busy. However in the mean time I did some investigation myself including calling [redacted] directly. I spoke with [redacted] in the executive department. We spent about 30-40 minutes going over the information because I was concerned that this was a [redacted] account and [redacted] was reporting it incorrectly and now it appeared that somehow midland became the original account holder and not [redacted]. I also expressed my concern on how this account was reporting She was very knowledgeable about the credit reporting agencies as she had previously been employed working for the credit reporting agencies before working for [redacted]. So her knowledge was very reassuring and what she was talking about was factual. She took the time to actually go through my credit report line by line. I hadn't heard from midland through the Revdex.com, my disputes go unheard and also anything I send in the UPSP so I figured my best coarse of action was to speak with the company that had a direct relationship with midland.  She has basically told me the same thing my credit union is telling me when I refinanced my truck. Although I did get the loan it still was brought up that this should be corrected. I will list what each individual account has[redacted]Terms 1 monthstatusPaid, was a collection account, insurance claim or government claim or was terminated for default (on this you stated you only report is as “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.” It has me as a late on July 2015you state Midland Credit does not furnish information that accounts are “120 days or payments past due”[redacted] is showing Midland as the original lender. This is on any report pulledwith a payment status of unknown. there has been no data provided to show paid/charged off/settle for less, no balance nothing, just shows the original amount[redacted]Only shows only [redacted], we ([redacted] and I) with the amounts and the acct number we figured it belonged to Midland but I have 2 [redacted] on my credit report.[redacted] was also nice enough to call midland on my behalf upon doing so she discover that I had in fact set this up as a PFD.  During the phone conversation, [redacted] stated contact would be made with Midland Credit Management to communicate my concerns regarding the "payment for deletion" that  was agreed to when I paid Midland Credit Management in full.  This phone conversation took place on October 27th. I know there was a call placed to your office from [redacted] I did let them know I would follow up with them regarding the issue as they have really gone above and beyond for me with this. Great customer service. , again I want to thank you for the response. I'm sure we can have a resolution in this matter where [redacted], Midland and I all come out as satisfied in this matter. As far as talking to the credit reporting agencies about the Nomenclature that you have to use (yes I had to actually google that lol) . I have been fighting with them tooth and nail to correct it but they just come back as verified. I just know this is becoming time consuming so I just want to get this put behind me after its done. I also don't want to come across as passing the blame as its [redacted] fault, it's midland fault, or the credit reporting agencies fault. I would just like it deleted seeing as no one can get it corrected or to status it correctly. A collection WITH a late dings my fico score. I was also questioned about the one not showing a paid or 0 balance. but the credit union was able to pull up the cancelled check. Credit unions are more likely to do a manual review of a credit report where as some other companies don't so it looks like that missed payment and balance is still sitting out there when I actuality it isn't gain [redacted] thank you for you time again I know midland is a very busy company and if I don't hear back before the holiday, Happy holidays t you and yours. 
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 has still ignored my request for proper validation and verification and are in violation of the FDCPA section 809(b) FTC option letter class from LeFevre which states A print out of a bill or other document does not constitute verification of proof.  Also,  they are in violation of FDCPA section 805(b) which they can't call third party about a debt such as friends,  neighbors or relatives.    Also,  violation of FDCPA section 807(8) which states they have to report a dispute to the credit bureaus within 30 days. They are in violation of each of these laws,  I have printouts of each credit report exactly 31 days from when they signed for my certified letters,  I also have witnesses to the harassing phone calls,  who have their phone bills as proof,  who will show up to any small claims action I may take.     Each of these violations are a 1,000.00 fine for each occurrence.   And Midland funding is not following their own policies,  the Customers first policy.   
Regards,
[redacted]

September 14, 2016
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re: Consumer complaint of [redacted]
Revdex.com# [redacted]
MCM# [redacted]
Dear [redacted]
Thank you for your letter inquiry regarding [redacted] complaint, which...

Midland Credit Management, Inc. (“Midland Credit”) received July 28, 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 April 25, 2014.  Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on December 13, 2009 as a [redacted] account number ending in [redacted] in the name of [redacted] under the last four of the social security number [redacted]  Subsequently, the account was charged-off as an unpaid delinquent-debt on August 29, 2011.  The balance at the time of purchase was $668.76.  
[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.
On May 14, 2014, Midland Credit mailed [redacted] a validation letter.  The letter was mailed to [redacted] via the United States Postal Service and 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.  
Upon receipt of [redacted]’s complaint, Midland Credit acknowledged her dispute, ceased collection efforts, annotated the account 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 is enclosed.
[redacted] questions whether the account is collectible due to the expiration of 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 a debt.  Rather, it eliminates litigation as a potential remedy.  The above-referenced account still remains collectible, due and owing to Midland Credit as servicer for Midland Funding.
Since receipt of the complaint, [redacted] has called Midland Credit to discuss payment options to resolve the balance of the account.  Should [redacted] have any questions regarding her payment arrangement, she may reach her Account Manager [redacted] at [redacted] requests that this account be removed from all three credit bureaus immediately.  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 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]
Enclosure

Dear Ms. [redacted]:
 
Thank you for your follow-up letter inquiry regarding Ms. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received
May 31, 2016. 
Midland Credit appreciates the opportunity to answer your questions.
 
Ms. [redacted]
indicates that she has been unsuccessful in reaching Ms. [redacted], and would like
to be contacted.  Upon receipt of Ms.
[redacted]’s complaint, Ms. [redacted] attempted to call Ms. [redacted] on her work and cell
phone numbers, but has been unable to reach her.  Additionally, please note that
Midland Credit has strict guidelines that its representatives must adhere to
when leaving messages.  This policy assists in preventing the inadvertent
disclosure of private consumer information to third parties.  Due to these
restrictions, no messages have been or can be left.
 
Furthermore,
Ms. [redacted] expresses concern that the account is appearing on her credit report
as a collections account.  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 the account information it is furnishing to the three major
credit reporting agencies is accurate.
 
Ms.
[redacted] is encouraged to communicate directly with the credit bureaus should she
have any further concerns.  In addition,
if Ms. [redacted] obtained her credit report from a compilation source, the
information being reported may appear to vary.  
The credit bureaus have advised that it appears this way because they do
not directly populate the fields on credit reports pulled from any source other
than directly from the credit bureau itself.
 
Ms. [redacted] also
questions the difference between the amounts for which the original creditor
charged off the account, compared to the balance Midland Credit is collecting.  A review of Midland Credit’s business records
indicates that the account was charged off with a balance of $1,603.25.  The current balance due is $1,553.25, which
is the charge-off balance minus one $50.00 payment made by Ms. [redacted] on March
30, 2016.  A copy of the charge-off
statement provided by the original creditor, showing the $1,603.25 charge-off
amount, is enclosed.
 
If Ms. [redacted]
wishes to contact Ms. [redacted], she may reach her at (800) 825-8131
ext. [redacted], Monday through Wednesday 9:00am - 1:00pm, 2:00pm –
6:00pm PST, and Thursday through Friday 6:30am - 11:00am, 12:00pm – 3:30pm PST.
 If Ms. [redacted] has a preferred time or
phone number at which she would like to be contacted, she may contact Midland
Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] Monday through Friday, 8:00am to 4:00pm PST, to provide such
information.  Additionally, Midland
Credit will continue call attempts to Ms. [redacted] per her request. 
 
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]

Dear [redacted]
 
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received November 9, 2016.  Midland Credit appreciates the opportunity to answer your questions.
 
An investigation of this matter indicates...

that Midland Credit is the servicer of two accounts belonging to [redacted].  Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on May 27, 2015.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on June 12, 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 April 8, 2015.  The balance at the time of purchase was $931.46. 
 
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on October 4, 2016.  Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on May 30, 2014 as an [redacted]. general consumer loan account number [redacted], in the name of [redacted], under the last four of the social security number [redacted].  Subsequently, the account was charged-off as an unpaid delinquent-debt on May 8, 2015.  The balance at the time of purchase was $2,709.03. 
 
[redacted] states that he cannot afford to pay the account balances because his only source of income is from Social Security Disability payments.  Additionally, [redacted] requests that Midland Credit cease credit reporting for the above-referenced accounts due to his hardship.  A review of Midland Credit’s business records indicates that a call was received from [redacted] on November 2, 2016, at which time he advised that Social Security Disability was his only source of income.  During the call, a Midland Credit representative requested that [redacted] forward appropriate documentation in support of his claim to Midland Credit via fax so that his accounts could be updated accordingly.  [redacted] agreed to provide the documents and also asked that in the meantime, Midland Credit refrain from calling or mailing letters regarding the accounts.  The above-referenced accounts were marked “Cease and Desist” at that time.
 
On that same day, Midland Credit received an email from [redacted] wherein he attached a copy of the supporting documentation from the Social Security Administration.  Midland Credit continues to be sensitive to [redacted]’ situation, and in keeping with the Forgiveness and Hardship Guidelines found in Article 3 of its Consumer Bill of Rights, has ceased collection activities. 
 
Please note that Midland Credit has not furnished account information to the credit bureaus for account no. [redacted].  With regard to account no. [redacted], Midland Credit has notified the credit reporting agencies to cease reflecting the collection tradeline on [redacted]’ consumer credit files.  A copy of this notification is enclosed for [redacted]’ records.
 
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]
 Enclosed

August 24, 2017
VIA E-MailRevdex.com of San Diego
Re:  Consumer complaint of [redacted] Q [redacted]Revdex.com #: [redacted]MCM #: [redacted]
Dear Revdex.com:
Thank you for your letter inquiry regarding Ms. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received July 26, 2017.  On...

August 3, 2017, Midland Credit advised that it needed additional time to investigate Ms. [redacted]’s concerns, and has since completed its investigation.  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 frustration that duplicate tradelines are appearing on her credit report.  While only the above referenced account was cited in her complaint, please note that an investigation of this matter indicates that Midland Credit is the servicer of three [redacted] accounts belonging to Ms. [redacted].
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on November 24, 2015.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on January 6, 2013, as a [redacted] Credit card, account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted].  Subsequently, the account was charged-off as an unpaid delinquent-debt on October 20, 2015.  The balance at the time of purchase was $4,953.54. 
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on February 26, 2016.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on December 31, 2012, as a [redacted]/Walmart credit card, account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted].  Subsequently, the account was charged-off as an unpaid delinquent-debt on April 17, 2015.  The balance at the time of purchase was $718.17. 
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on March 30, 2016.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on December 17, 2012, as a [redacted] credit card, account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted].  Subsequently, the account was charged-off as an unpaid delinquent-debt on May 3, 2015.  The balance at the time of purchase was $416.99.
Ms. [redacted] writes that her requests for validation have gone unanswered.  Midland Credit mailed Ms. [redacted] separate and unique validation letters – on February 29, 2016, for account no. [redacted], on March 17, 2016, for account no. [redacted], and on April 28, 2016, for account no. [redacted]. These letters informed her that Midland Funding had acquired the accounts, and of her rights under the Fair Debt Collection Practices Act (“FDCPA”).  The letters were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA.
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debts or requesting validation from Ms. [redacted] in response to the letters.  A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation directly from Ms. [redacted] via fax on July 17, 2017, with regard to account [redacted].  In response, verification information provided by the seller was mailed to Ms. [redacted] on July 24, 2017.  Please note that the verification information meets the requirements of the FDCPA.
Midland Credit has subsequently received notices of dispute through the credit reporting agencies on July 26, 2017 for all of the above mentioned accounts.  This letter will also serve to address Ms. [redacted]’s concerns for those accounts, and a copy of the verification information provided by the seller is enclosed for her records.
Please note that during Midland Credit’s investigation period, it notified the credit reporting agencies to cease reflecting the collection tradelines on Ms. [redacted]’s consumer credit files, and has made the business decision not to request the respective tradelines for the accounts be reinstated. 
Ms. [redacted] also writes that an account is reporting as a personal record.  A review of Midland Credit’s business records indicates that on August 28, 2016, account [redacted] was placed with [redacted] (“[redacted]”).  [redacted] advised that suit was filed December 9, 2016.  A judgment was obtained January 10, 2017.  However, the account has been returned from [redacted] for further servicing with Midland Credit.
In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, Ms. [redacted]’s accounts have been referred to Account Manager [redacted]. Please have Ms. [redacted] call Ms. [redacted] at (800) 825-8131 ext. [redacted] to assist her in reaching a resolution of the account balances.
Per Ms. [redacted]’s previous correspondence, the above-referenced accounts will remain marked “Cease and Desist.”  While they remains due and owing, Ms. [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by [redacted].
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to Ms. [redacted].
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.
Sincerely, Midland Credit Management, Inc.
[redacted],[redacted]
Enclosure

August 4, 2017
 
VIA E-Mail
Revdex.com of San Diego
 
Re:      Consumer complaint of [redacted]
Revdex.com# [redacted]
                        MCM #:...

[redacted]
Original Creditor: [redacted], N.A.
Original Account #: [redacted]
 
Dear Revdex.com:
 
Thank you for your letter inquiry regarding Mr. [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received on July 27, 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.
 
A review of Midland Credit’s business records indicates that Mr. [redacted] has retained an attorney. Midland Credit has no record of his attorney’s contact information. Please have Mr. [redacted] provide his attorney’s information, if applicable, so that we may contact the attorney directly. If Midland Credit does not receive attorney information in the next 30 days, it will assume that Mr. [redacted] is not or is no longer working with legal counsel and will mark his account accordingly.
 
Mr. [redacted] 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 account remains collectible, due and owing to Midland Credit as servicer for Midland Funding.
 
Mr. [redacted] expresses a concern that his requests for validation have been ignored.  On February 24, 2017, Midland Credit mailed him a validation letter.  Please note that the letter was mailed to Mr. [redacted] via the United States Postal Service.  The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”).  In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA.
 
Midland Credit’s business records indicate that it received the first correspondence requesting validation from Mr. [redacted] on June 22, 2017.  A further review of Midland Credit’s business records indicate that it began receiving notices of dispute from the credit reporting agencies on June 28, 2017.  A copy of the verification information provided by the seller was mailed to Mr. [redacted] on July 10, 2017.  A copy of that documentation is again enclosed for his records.
 
Please note that the verification information provided by the seller meets the requirements of the FDCPA.  The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA.  A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate.
 
Per Mr. [redacted] previous concerns, the above-referenced account will remain marked “Direct Mail Only.”  While it remains due and owing, he will continue to not receive phone calls from Midland Credit representatives and all correspondence will be sent via the United States Postal Service.
 
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to 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],
[redacted]
[redacted]
 
Enclosure

December 14, 2017VIA E-MailRevdex.com of San DiegoRe: Consumer complaint of [redacted]Revdex.com# [redacted] MCM #: [redacted]Original Creditor: [redacted]Original Account #: [redacted]Dear Revdex.com:Thank you for your follow-up letter inquiry regarding Ms. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received on December 4, 2017.  Midland Credit is the servicer of the above-referenced account on behalf of the current owner, Midland Funding, LLC (“Midland Funding”).  Midland Credit appreciates the opportunity to answer your questions.Ms. [redacted] demands proof of the original contract with her signature or for the account to be removed from her credit report.  As advised in Midland Credit’s previous response to your office, a copy of the verification information provided by the seller was mailed to Ms. [redacted] on October 30, 2017.  Additionally, a copy of the verification information was also enclosed in Midland Credit’s previous response to your office.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 considers consumer complaints a serious matter and fully respects consumers’ rights.  Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.Sincerely, Midland Credit Management, Inc.[redacted]Senior Manager Operations, Consumer Support ServicesAR: kmb

Dear Ms. [redacted]:
 
Thank you for your letter inquiry regarding
Mr. [redacted]’ complaint, which Midland Credit Management, Inc. (“Midland Credit”) received
June 11, 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 April 21, 2015.  Information provided by the seller, [redacted] at the time of acquisition indicates this account was
originated on February 27, 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 March 5, 2015.  The balance at the time of purchase was $1,042.24.
 
Mr.
[redacted] expresses a concern that Midland Credit is calling him on an account
that he states has previously been closed and that his validation requests have
been ignored.  On May 29, 2015, Midland
Credit mailed Mr. [redacted] a validation letter, which informed him that Midland
Funding had acquired the account, and of his rights pursuant to the Fair Debt
Collection Practices Act, 15 U.S.C. § 1692 et
seq.  (“FDCPA”).  Please note that the letter was mailed to Mr.
[redacted] at the same address listed within his complaint, and was not returned as
“undeliverable” by the United States Postal Service, satisfying the
notification requirements of the FDCPA.  15 U.S.C. § 1692.
 
Midland
Credit’s business records indicate that it did not receive any correspondence
disputing the debt or requesting validation from Mr. [redacted] in response to the
letter.  The FDCPA specifically states
that, unless a consumer provides a debt collector with notice of such a dispute
within 30 days of receiving the initial validation letter, “the debt will be
assumed to be valid by the debt collector.” 
15 U.S.C. § 1692g(a)(3).  Because
Midland Credit did not receive such a notice at the time, Midland Credit
appropriately proceeded with efforts to contact Mr. [redacted] and collect the
debt.  A copy of the verification
information provided by the seller is enclosed for Mr. [redacted]’ records. 
 
Consumers
are often unclear as to what the term “charge-off” means for a debt.  When a creditor "charges-off" an
account, it means that the creditor no longer believes the consumer will pay
the bill and has written the debt off of its books.  Often, they then sell the debt to a
collection agency.  Please note that the
underlying promissory obligation remains valid, due and owing.  Just as the original creditor had the right
to legally seek repayment of the promissory obligation, the new third-party
purchaser has the right to repayment of the credit account.  The above-referenced account remains
collectible, due and owing to Midland Credit.
 
If
Mr. [redacted] still has reason to believe that this account was previously
resolved, he can contact us online at [redacted], where he can email questions to a [redacted]) specialist, find the answers to frequently asked questions, and
upload documents to support his/her request.  Uploaded documents are
automatically sent to a [redacted] specialist, who will investigate the consumer’s
question and mail back a response.  Or Mr.
[redacted] may forward appropriate documentation to [redacted] using the contact
information on this letterhead.
 
Mr.
[redacted] also states that he has never given out his cell phone number.  Please note that to ensure that it has the
most up to date consumer information, Midland Credit relies on consumer data
provided by third-party vendors.  After
reviewing the account, it appears that a third party vendor provided Mr.
[redacted]’s cell phone number.  Relying on
that information, Midland Credit updated its records and attempted to contact
Mr. [redacted] using that phone number. 
 
Mr.
[redacted] also states that when Midland
Credit contacted him, the caller would not let him talk and states the caller
kept bothering him.  Midland Credit
reviewed its records made to the cell phone number that was provided within the
complaint.  After a review of Midland
Credit’s business records, it does not appear that anyone answered the calls
made to that number.  If Midland Credit
has called Mr. [redacted] at a different number or he believes that he did in fact
speak to a Midland Credit representative, please call Midland Credit’s Consumer
Support Services team at [redacted] ext. [redacted] to provide additional
information to assist in the investigation.
 
Midland
Credit sincerely apologizes for any inconvenience this has caused Mr. [redacted].  The above-referenced account has been marked
“Direct Mail Only.”  While it remains due and owing, Mr. [redacted] will no
longer receive phone calls from Midland Credit representatives and all
correspondence will be sent via the United States Postal Service.
 
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights.  Midland Credit
apologizes for the inconvenience caused to Mr. [redacted].
 
Thank
you again for your assistance in this matter.  Please contact Midland
Credit’s Consumer Support Services team at should you have any further
questions.
 
Sincerely,
 
Midland Credit Management, Inc.
[redacted]
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
 
[redacted]
 
Enclosure

Dear Revdex.com:Thank you for your letter inquiry regarding Mr. [redacted] complaint, which Midland Credit Management,Inc. (“Midland Credit”) received on October 10, 2017. On October 19, 2017, Midland Credit advisedthat it needed more time to complete its investigation. 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.A review of Midland Credit’s business records indicates that Mr. [redacted] has retained legalrepresentation. Midland Credit has no record of his representation’s contact information. Please haveMr. [redacted] provide his representative’s information, if applicable, so that we may contact them directly.If Midland Credit does not receive the information in the next 30 days, it will assume that Mr. [redacted] isnot or is no longer working with legal counsel and will mark his account accordinglyMr. [redacted] writes that he has never done business 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 billand has written the debt off of its books. Often, they then sell the debt. Please note that the underlyingpromissory obligation remains valid, due and owing. Just as the original creditor had the right to legallyseek repayment of the promissory obligation, the new third-party purchaser has the right to repaymentof the credit account. The above-referenced account remains collectible, due and owing to MidlandCredit as servicer for Midland Funding.Mr. [redacted] indicates that he does not know what this debt is. A copy of the verification informationprovided by the seller is enclosed for Mr. [redacted] records. Please note that during its investigationperiod, Midland Credit notified the credit reporting agencies to cease reflecting the collection tradelineon Mr. [redacted] consumer credit files, and it has made the business decision not to request thetradeline be reinstated.Per Mr. [redacted] request for contact to stop, the above-referenced account has been marked “Ceaseand Desist.” While it remains due and owing, Mr. [redacted] will no longer receive correspondence orcalls 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 Mr. [redacted].Thank you again for your assistance in this matter. Please contact Midland Credit’s ConsumerSupport Services team at (800) 825-8131 ext. [redacted] should you have any further questions.Sincerely,Midland Credit Management, Inc.[redacted],Senior Manager Operations, Consumer Support ServicesAR: kmhEnclosure

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.Thank you for your efforts. I will pursue legal remedies.Regards,[redacted]