Western Power Train Repair Ltd

Dear Revdex.com: Thank you for your letter inquiry regarding Ms. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received August 16, 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] filed a similar complaint through your office on May 11, 2017, with complaint number [redacted].  Given that Midland Credit’s response to the current complaint from your office would be the same as the response which Midland Credit previously provided to the your office via e-mail on May 23, 2017, 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. [redacted]. Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions. Sincerely,Midland Credit Management, Inc. 
[redacted]Division Manager, Consumer Support Services[redacted]

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]

February 8, 2016
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re:      Consumer complaint of [redacted]...

[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 January 29, 2016.  Midland Credit appreciates the opportunity to answer your questions.
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on January 4, 2010.  Information provided by the seller, [redacted]., at the time of acquisition indicates this account was originated on October 1, 1994 as a[redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted].  Subsequently, the account was charged-off as an unpaid delinquent-debt on March 31, 2008.  The balance at the time of purchase was $7,876.13. 
[redacted] expresses a concern that Midland Credit representatives have contacted him excessively.  Please assure [redacted] that Midland Credit has safeguards in place to ensure that its calls are being placed according to applicable law.  A review of Midland Credit’s business records indicates that Midland Credit did not call [redacted] more often than is allowable pursuant to applicable law.
Per [redacted]’s request to only be contacted by mail, the above-referenced account has been marked “Direct Mail Only.”  While it remains due and owing [redacted] will no longer receive phone calls from Midland Credit representatives and all correspondence will be sent via the United States Postal Service.
In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, [redacted]’s account has been referred to Account Manager [redacted] may contact her at [redacted].
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]

Dear Ms. [redacted]:
 
Thank you for your letter inquiry regarding Ms. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received July 31, 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 January 31, 2013.  Information provided by the seller, [redacted]C, at the time of acquisition indicates this account was originated on September 21, 2007 as a [redacted] cellular account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted].  Subsequently, the account was charged-off as an unpaid delinquent-debt on May 4, 2012.  The balance at the time of purchase was $1,218.02. 
 
Ms. [redacted] expresses a concern that she has not been provided with a breakdown of the charged incurred by [redacted] for the debt.  On March 15, 2013, Midland Credit mailed Ms. [redacted] a validation letter, which informed him that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq.  (“FDCPA”).  The letter was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA.  15 U.S.C. § 1692.
 
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from Ms. [redacted] in response to the letter.  In fact, no correspondence was received directly from Ms. [redacted] prior to the complaint filed through your office, which cannot be considered timely.
 
The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.”  15 U.S.C. § 1692g(a)(3).  Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact Ms. [redacted] and collect the debt.
 
As indicated in Ms. [redacted]’s submission through your office, she spoke with Midland Credit representatives regarding the account.  Midland Credit would first like to thank Ms. [redacted] for complimenting the representatives on their attempts to assist her.  And although a review of Midland Credit’s business records indicates all of the account balance information provided to it by the seller has been given to Ms. [redacted], Midland Credit apologizes that its representatives were unable to further assist in the matter. 
 
Midland Credit acted in a timely manner and has complied with all applicable laws.  However, in keeping with its Consumer-First policy, Midland Credit has made the business decision to close the account.  There will be no further collection activity, credit reporting or sale of this account.  In addition, the three credit-reporting agencies have been notified to delete Midland Credit’s reference to the collection account in question from Ms. [redacted]’s consumer credit files.
 
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to 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]

December 1, 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 letter inquiry regarding Ms. [redacted]’s complaint, which Midland Credit...

Management, Inc. (“Midland Credit”) received on November 21, 2017.  Midland Credit is the servicer of the above-referenced account on behalf of the current owner, Midland Funding, LLC (“Midland Funding”).  Midland Credit appreciates the opportunity to answer your questions.Ms. [redacted] states that she previously requested validation of the account and did not receive a response, however her credit report was updated as verified.  Midland Credit’s business records indicate that it did not receive any correspondence directly from Ms. [redacted] prior to the complaint through your office.  However, Midland Credit received a notice of dispute from the credit reporting agencies on August 9, 2017.  In response, Midland Credit appropriately verified the account information it was furnishing to the credit reporting agencies.  Additionally, verification information was mailed on August 28, 2017.  Midland Credit received notice on or about October 4, 2017 that the verification information that had been mailed was undeliverable.  Subsequently, on October 16, 2017 Midland Credit received an additional notice of dispute from the credit reporting agencies.  Midland Credit once again verified the account information it was furnishing at that time.  In addition, verification information provided by the seller was once again mailed to Ms. [redacted] on October 30, 2017.A copy of the verification information is once again enclosed for Ms. [redacted]’s records.  Additionally, a review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate.Ms. [redacted] states that she has no knowledge of this account and never had an account with the original creditor.  Midland Credit stands ready to assist Ms. [redacted] in clearing her record if she has been a victim of identity theft or fraud.  If such is in fact the case, Midland Credit respectfully requests that Ms. [redacted] provide it with a copy of either a police report or affidavit of fraud showing that she reported the fraudulent activity.  Please note that an affidavit of fraud can be obtained by submitting a report through the Federal Trade Commission (“FTC”) online at www.identitytheft.gov.  After submitting it to the FTC directly, Ms. [redacted] can then provide a copy of the affidavit to Midland Credit.  Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to Ms. [redacted].Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.Sincerely, Midland Credit Management, Inc.[redacted]Senior Manager Operations, Consumer Support ServicesAR: kmhEnclosure

November 3, 2017
 
VIA E-Mail
Revdex.com of San Diego
Re:      Consumer complaint of [redacted]
Revdex.com# [redacted]
                        MCM #: [redacted]
Original...

[redacted]or: [redacted]
Original Account #: [redacted]
Affinity: [redacted]
 
MCM #: [redacted]
Original [redacted]or: [redacted], N.A.
Original Account #: [redacted]
 
Dear Revdex.com:
 
Thank you for your letter inquiry regarding Mr. [redacted]’s complaint, which Midland [redacted], Inc. (“Midland [redacted]”) received on October 25, 2017.  Midland [redacted] is the servicer of the above-referenced accounts on behalf of the current owner, Midland Funding, LLC (“Midland Funding”).  Midland [redacted] appreciates the opportunity to answer your questions.
 
Mr. [redacted] writes that the accounts are not collectable since the original [redacted]ors have written off the debts.  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]ors had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the [redacted] accounts.  The above-referenced accounts remain collectible, due and owing to Midland [redacted] as servicer for Midland Funding.
 
Mr. [redacted] expresses a concern that his requests for validation have been ignored.  A review of Midland [redacted]’s business records indicates that no correspondence was received directly from Mr. [redacted] prior to the complaint filed through your office.  However, for account no. [redacted], Midland [redacted] began receiving notices of dispute from the [redacted] reporting agencies on or about May 18, 2017.  In response to each notice received, Midland [redacted] appropriately verified the information it is furnishing to the [redacted] reporting agencies for account no. [redacted].  Further, a copy of the verification information provided by the seller was mailed to Mr. [redacted] on June 12, 2017, for account no. [redacted].
 
A copy of the verification information provided by the sellers for account nos. [redacted] and [redacted] is enclosed for Mr. [redacted] records.  Please note that the verification information provided by the sellers meets the requirements of the Fair Debt Collection Practices Act (“FDCPA”).  The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA.  A review of Midland [redacted]’s business records indicates that the account information it is furnishing to the three major [redacted] reporting agencies is accurate for the above-referenced accounts.
 
If Mr. [redacted] is ready to resolve the above-referenced accounts, Mr. [redacted] may qualify for a reduction in his account balances.  Please have Mr. [redacted] call Account Manager [redacted] at (800) 825-8131 ext. [redacted] to assist him in reaching a resolution of the account balances.
 
Midland [redacted] considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland [redacted] apologizes for the inconvenience caused to Mr. [redacted].
 
Thank you again for your assistance in this matter.  Please contact Midland [redacted]’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.
 
Sincerely,
Midland Credit [redacted], Inc.
 
[redacted]s,
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.
[Please attach a copy of the agreement with your client that grants Midland [redacted] the authority to collect this alleged debt.Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector.  Please attach a copy of any signed agreement debtor has made with debt collector, Proof  on documentation that this is my social security, Proof that this is my partial social any [redacted] could possess the last four digits that are typed on midland [redacted]'s letterhead, Was this debt assigned to debt collector or purchased? Amount paid if debt was purchased?Have any insurance claims been made by any [redacted]or regarding this account? Proof that an alleged account personally belonging to me and my full social security was purchased in the bulk of accounts purchased. ] 
Regards,
[redacted]

Dear Ms. [redacted]:
 
Thank you for your letter inquiry regarding Ms. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received on September 1, 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] 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. [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: [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.
Unfortunately with no contract I have no proof of this being my debt, no where on any of these statements provided does my name appear. I have sent certified mail as of July 13, 2017 a copy of my fraud affidavit, I request upon receipt that these charges be removed on all three credit reporting agencies
Regards,
[redacted]

Dear Ms. [redacted]: Thank you for your letter inquiry regarding Mr. [redacted]’ complaint,
which Midland Credit Management, Inc. (“Midland...

Credit”) received May
12, 2017.  Midland Credit appreciates the
opportunity to answer your questions. A review of Midland Credit’s business records
indicates that Mr. [redacted] has retained an attorney. Midland Credit has no
record of his attorney’s contact information. Please have Mr. [redacted] provide his
attorney’s information, if applicable, so that we may contact him/her directly.
If 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.  An investigation of this
matter indicates that Midland Credit became the servicer of the
above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland
Funding”), on June 20, 2014.  Information
provided by the seller, [redacted]II, LLC, at the time of acquisition
indicates this account was originated on March 3, 2013 as a [redacted]
N.A. [redacted] account number ending in [redacted], in the name of Andrew [redacted], under
the last four of the social security number [redacted].  Subsequently, the account was charged-off as
an unpaid delinquent-debt on May 9, 2014. 
The balance at the time of purchase was $729.00.  Final payment on the account was received by
Midland Credit on May 13, 2017.  Mr.
[redacted] has no further financial obligation for this account.   Mr. [redacted] expresses a
concern that Midland Credit is attempting to collect a debt which he does not
owe and has also obtained a judgment against him though
he has never been to court.  A review of
Midland Credit’s business records indicates that on July 12, 2015, this account
was placed with Midland Credit’s Internal Legal Department (“Internal Legal
Department”).  The Internal Legal
Department’s business records indicate that an initial notice was mailed to Mr.
[redacted] on July 14, 2015.  When a solution
was not reached, suit was filed on August 12, 2015, Mr. [redacted] was served on
October 5, 2015, and a judgment was subsequently issued on November 5, 2015, a
copy of which is enclosed for Mr. [redacted]’ records.  Additionally, the Internal Legal Department
advised that no disputes were received from Mr. [redacted] regarding the account. Mr. [redacted] requests proof
that he owes the debt and wants the account and judgment removed from his
credit report.  A copy of the
verification information provided by the seller is enclosed for Mr. [redacted]’
records.  With that said, subsequent to
filing the complaint through your office, the Internal Legal Department has
advised that Mr. [redacted] called and resolved the balance of the above-referenced
account in full.  The Internal Legal Department
further advised that a satisfaction of judgment will be sent to the court.   Per Midland Credit’s
policy, the three major credit reporting agencies have been notified to remove
the collection tradeline.  Mr. [redacted]
continues to have no further financial obligation for this account.  A copy of the request which was sent to the
credit reporting agencies is enclosed for Mr. [redacted]’s records.  Please note, however, that judgments are not
reported by Midland Funding, LLC. 
Instead judgments are reported by the credit reporting agencies as a
matter of public record.  Mr. [redacted] is
encouraged to communicate directly with the credit bureaus or the public
records office should he have any further concerns about how a judgment is
being reported.  Given Mr. [redacted]’ concerns, the above-referenced account has been
marked “Cease and Desist.”  Mr. [redacted]
will no longer receive correspondence or calls from Midland Credit
representatives unless a response is required by law. Please assure Mr. [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 Mr. [redacted]. Thank you again for your assistance in this matter.  Please contact
Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted]
should you have any further questions. Sincerely, Midland Credit Management, Inc. [redacted],Division Manager, Consumer Support Services[redacted]
 
Enclosure

Dear [redacted]
Thank you for your letter inquiry
regarding [redacted] [redacted] complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received
November 10, 2015.  Midland Credit appreciates the opportunity to
answer your questions.
[redacted] writes
that she and...

her husband, [redacted], have previously received phone calls for
an individual that does not live with them, and were told by Midland Credit
that they would not be contacted about the matter any further.  [redacted] further writes that she recently
received a letter from Midland Credit addressed to her husband’s name, but has
not had any dealings with the creditor listed, or Midland Credit.
An
investigation of this matter indicates that Midland Credit is the servicer of
an account belonging to another consumer with the same name as [redacted].  During a search for the correct consumer, the
[redacted] phone number and address were 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. 
The[redacted] phone number has previously been marked “Do Not Call” in Midland
Credit’s computer system for the referenced account, and [redacted] address  has been marked “Do Not Mail.”  [redacted] will no longer receive calls or
correspondence from Midland Credit representatives regarding the referenced
account.  Additionally, the [redacted] phone
number, [redacted] has been added to an exclusion list to prevent it from
being called in the future regarding the referenced account.
Midland
Credit considers consumer complaints a serious matter and fully respects
consumers’ rights.  Midland Credit
apologizes for the inconvenience caused to [redacted]
Thank
you again for your assistance in this matter.  Please contact Midland
Credit’s Consumer Support Services team at [redacted] should you
have any further questions.
Sincerely,
Midland Credit Management, Inc.


















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

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, 2017.  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, 2017.  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) 825-8131 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.
When I talked to their agent he gave me the address that they had sent all their letters to and it was the wrong address and until I gave them the correct address they could not of sent me any letters.
Regards [redacted]

Please note that Midland Credit Management, Inc. (“Midland Credit”) requires additional time to obtain information regarding this matter.  Thank you for your understanding; Midland Credit anticipates providing your office with a complete...

response within 45 days from the date of this notification.

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

Consumer Financial Protection Bureau (“CFPB”).  A copy of Midland Credit’s response to the CFPB is enclosed. An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on May 30, 2012.  Information provided by the seller, [redacted] at the time of acquisition indicates this account originated with [redacted] on January 2, 2007, and was subsequently converted to a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number[redacted].  Subsequently, the account was charged-off as an unpaid delinquent-debt on June 30, 2010.  The balance at the time of purchase was $6,285.05.
[redacted] expresses concern that Midland Credit is incorrectly reporting an account on her credit report – namely that the amount is incorrect, and that it is appearing as ‘past due’ and as an installment account.  Please note that Midland Credit does not provide consumer credit but, rather, is engaged solely in the collection of charged-off debt.  As such, Midland Credit does not report accounts as installment accounts or as past due. 
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.
For purposes of credit reporting, the term “Open (Portfolio Type)” has the following definition: “Accounts where the entire amount is due upon demand or that have one payment due as scheduled (i.e., Terms Duration = 001).”  That indicates that the account is currently open, due and owing in one payment.  As a debt buyer, Midland Funding has been advised that it should furnish information for its accounts as: current status – collection account; type of account – open; type of loan – debt buyer account; additional information – collection account. 
[redacted] is encouraged to communicate directly with the credit bureaus should she have any further concerns about the nomenclature that Midland Credit is compelled to use.  In addition, if [redacted] obtained her credit report from a compilation source, the information being reported may appear to vary.   The credit bureaus have advised that it appears this way because they do not directly populate the fields on credit reports pulled from any source other than directly from the credit bureau itself.
[redacted] also writes that the account is appearing on her credit report with a higher amount than what was charged off, but that Midland Credit has not provided evidence of why the amount is higher.  The account was purchased from the seller with all rights, and interest charged by the original creditor is allowable by law.  Likewise, any interest added by Midland Credit is permissible and was provided for in the contract with the original creditor when the account was purchased.  This information would also normally be included in the paperwork the consumer receives when the account is initially opened.  Currently, the balance due is $7,437.71, which is the charge-off balance of $6,285.05 and $1,152.66 in interest accrued at 12.00%.  Please note that Midland Credit made the business decision to stop accruing additional interest on the account in December 2014.
On June 15, 2012, Midland Credit mailed [redacted] a validation letter.  Please note that the letter was mailed to [redacted] via the United States Postal Service.  The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”).  15 U.S.C. § 1692.  In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (15 U.S.C. § 1692).  
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter.  A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] on February 8, 2013.
In response to [redacted]’s request, verification information provided by the seller was mailed to her on or about February 18, 2013.  The verification information was also provided to [redacted] in the response to her CFPB complaint on March 10, 2016.  Copies of these documents are enclosed.
If [redacted] is ready to resolve this debt, she may qualify for a reduction in her account balance.  In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, [redacted]’s account has been referred to Account Manager [redacted] Please have [redacted] call [redacted] at [redacted] to assist him/her in reaching a resolution of the account balance.
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to [redacted].
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
 
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]
Enclosure

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.While I appreciate that Midland is...

removing the interest charges since they were charging far more than the allowable 6% interest under ** law, this is not enough. Midland's constant incorrect updating is unacceptable. In the last few weeks, they have once again reopened their listing that they had previously reported as closed and have repeatedly updated my [redacted] report showing them as a retail creditor. I have filed a CFPB complaint against Midland and [redacted] both because neither agency seems to want to take the blame for the incorrect listing. If they cannot report correct information, they should not be reporting at all. If this does not get corrected, I will pursue all legal options available to me to ensure that they are held accountable for their inability to report accurately.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.The information Midland is providing now comes too little too late..  Midland has already violated Texas consumer protection laws.  My request for validation was triggered shortly after I discovered the account on my credit report..  At this point, Midland has clearly violated state and federal consumer protection laws.  They never responded to my validation request and there is no evidence they did.  I am, however, respectfully requesting that Midland will do the right thing and delete the item from my credit report.  I am making every effort to resolve this matter without presenting my case before a jury in a courtroom in my community.  Regards,[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]

Dear [redacted]:
Thank you for your follow-up letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received April 15, 2016.  Midland Credit appreciates the opportunity to answer your questions.
Midland Credit provided all of the account identifying information in its previous letter response to your office dated March 30, 2016.  Additionally, [redacted] spouse emailed Midland Credit directly with the same concerns as included in the follow-up letter inquiry through your office.  A direct email response was provided to [redacted].  A synopsis of that response is provided to your office below as it addresses the concerns in this matter.
[redacted] questioned why he received a 1099-Misc for the full amount of the settlement, rather than for only the portion for which he received a check payment.  He also expressed a concern that Midland Credit reached out to his attorney instead of directly to him. 
The 1099-Misc was issued to [redacted] as a result of the settlement of his legal claims against Midland Credit.  Two claims were settled, totaling $13,000.00.  Based on an agreement between [redacted] and his attorney, Midland Credit split the funds of that settlement and sent $5,000.00 to [redacted], and $8,000.00 to his attorney.  However, because the settlement was with [redacted], and not his attorney, the entire amount had to be reflected in a 1099-Misc to [redacted].  Due to an internal error, [redacted] was sent two 1099s totaling $13,000.00 rather than a single 1099 for the same amount.  Midland Credit apologized for any inconvenience this oversight may have caused.  However, the ultimate amount of the 1099s [redacted] received appears correct.
Regarding the attorney contact concern, as a debt collector, Midland Credit is under very strict rules about when and how it can contact its consumers.  Once a consumer or their attorney notifies Midland Credit that they are represented, it is not able to communicate with anyone other than the attorney without a written release.  Although [redacted] claims against Midland Credit had settled, it was not informed by [redacted] attorney that the representation had ceased.  Therefore, [redacted] accounts remained coded in Midland Credit’s system as though he was still a represented consumer.  Midland Credit apologized for the inconvenience that this caused, and understands it made this process somewhat frustrating.  However until Midland Credit was explicitly notified that [redacted] was no longer being represented by his attorney, it was not able to discuss the matter directly with him.
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 [redacted] should you have any further questions.
Sincerely,
Midland Credit Management, Inc.
 
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Like I stated before the account was paid before being sent to collections, see attached proof from creditor. Remove account with all 3 credit bureaus immediately, 1. Account was paid (attached proof) 2. The account is past the statue of limitations on which you are trying to collect (see attached proof) 3. How can your information be verified when the original creditor has deleted the account from my report? Last time, remove account or I will sue you, midland!
Regards,
[redacted]