Western Power Train Repair Ltd

Revdex.com: please advised midland that im not disputing how I owe this debt, what im requestiing from midland was signed documents, from midland or [redacted] send me that information so I can see the signature of how this account was opened who signed the agreements, so if they are saying they purchased this account from [redacted], they need to get the signed contract or signed application from that company and send it to me, sending me a invoice is no proof of anything, I was a victim of identify theft but thats another issue of its own thats why I want to see the signature for this account in question, midland tactics are well known they just do whatever they please and do not like to get facts before making decisions.... Thank you
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.
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]

June 29, 2015
 
VIA E-Mail
 
Ms. [redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
 
Re:      Consumer complaint of [redacted] M [redacted]
Revdex.com#...

[redacted]
                        MCM# [redacted]
 
Dear Ms. [redacted]:
 
Thank you for your letter inquiry regarding Mr. [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received June 16, 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 May 17, 2011.  Information provided by the seller, Citibank (South Dakota), N.A., at the time of acquisition indicates this account was originated on August 22, 2009, 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 January 17, 2011.  The balance at the time of purchase was $1,186.67.
 
Mr. [redacted] writes that Midland Credit placed a comment on his credit report which states that he disputes this debt.  A review of Midland Credit’s business records indicates that a dispute code was added to this account in 2012, causing the dispute comment to appear on Mr. [redacted]’s credit report.  Midland Credit apologizes if this was an error.
 
Please note that Midland Credit has received several notices of possible dispute from the credit reporting agencies regarding this account.  However, as Mr. [redacted] states within the complaint that he is not disputing this debt, Midland Credit has submitted an instant update to the three major credit reporting agencies to remove the dispute comment from his credit report.  The credit reporting agencies have advised that this should reflect on Mr. [redacted]’s credit report within 30-60 days.
 
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights.  Midland Credit again apologizes for any inconvenience caused to Mr. [redacted].
 
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.
 
Sincerely,
 
Midland Credit Management, Inc.
[redacted] Esq.
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California

Dear [redacted]
 
Thank you for your follow-up letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received July 12, 2016.  Midland Credit appreciates the opportunity to answer your questions.
 
While not the only item of concern referenced in his complaint, [redacted] states that when he contacted the original creditor, [redacted], all he was told is that the account was sold to another agency.  Please note that it is not uncommon for a credit provider to archive an account once it has been sold.  Therefore, when contacted by [redacted], the representative of the original credit provider may not have had access to the pertinent account information.
 
[redacted] continues to express concern that he is not familiar with the account, and that he never received a response from Midland Credit after he sent a validation letter.  In [redacted]’s original inquiry, he indicated that he sent the validation request by e-mail, through Midland Credit’s online e-mail system.  Further investigation of the matter indicates that Midland Credit received an electronic communication on June 21, 2016, from a party sharing the same last name and address as [redacted]; however, that e-mail referenced a different original creditor, and did not clarify any relationship with [redacted].  In response to the email, on or about June 25, 2016, Midland Credit mailed a letter response to [redacted]’s address, [redacted] [redacted], requesting additional information to assist in locating the account referenced in the e-mail.
 
A copy of the verification information provided by the seller was included in Midland Credit’s previous response.  Please note that the verification information provided by the seller meets the requirements of the Fair Debt Collection Practices Act (“FDCPA”).  The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA.
 
[redacted] further writes that the account from [redacted] is $400.00 past due, but that Midland Credit is furnishing information indicating that the balance is $787.00.  Please note that while the account had a $400.000 credit limit, a review of business records indicates the account was charged-off with a balance of $787.01 on September 13, 2015, as reflected in the verification information documents provided by the seller.  Midland Credit has not added any additional interest or amounts to the balance.  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.
 
Additionally, [redacted] states that he has not been provided with options on how to dispute the debt.  As indicated in its previous response, Midland Credit stands ready to assist [redacted] in clearing his record if he has been a victim of identity theft or fraud.  [redacted] may provide Midland Credit 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 contact Midland Credit online at [redacted], where he can email questions to a Consumer Support Services (CSS) specialist, find the answers to frequently asked questions, and upload documents to support his request.  Uploaded documents are automatically sent to a CSS specialist, who will investigate the consumer’s question and mail back a response.   [redacted] may also forward appropriate documentation to CSS using the contact information on this letterhead.
 
Alternatively, if [redacted] is ready to resolve this debt, he may qualify for a reduction in his account balance.  Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] to assist him in reaching a resolution of the account balance.
 
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to [redacted].
 
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
 
Sincerely,
Midland Credit Management, Inc.
 
[redacted]
Assistant Secretary
 
[redacted]

May 25, 2017
 
VIA E-Mail
*
[redacted]
Revdex.com of San Diego
 
Re:      Consumer complaint of [redacted]
Revdex.com# [redacted]
                       ...


MCM#: [redacted]
Original Creditor: [redacted]
Original Account #: [redacted]
Affinity: [redacted]
 
MCM #: [redacted]
Original Creditor: [redacted]
Original Account #: [redacted]
Affinity: [redacted]
 
Dear Ms. [redacted]:
 
Thank you for your letter inquiry regarding Ms. [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received May 18, 2017.  Midland Credit appreciates the opportunity to answer your questions.
 
A review of Midland Credit’s business records indicates that Ms. [redacted] may have retained an attorney. Midland Credit has no record of her attorney’s contact information. Please have Ms. [redacted] provide her attorney’s information, if applicable, so that we may contact her directly. If Midland Credit does not receive attorney information in the next 30 days, it will assume that Ms. [redacted] is not or is not or no longer working with legal counsel and will mark her accounts accordingly.
 
Ms. [redacted] states that she has never had an account with Midland Funding.  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 and to furnish information to the credit bureaus, the new third-party purchaser has the right to repayment of the credit account and to furnish information to the credit bureaus.  The above-referenced accounts remain collectible, due and owing to Midland Credit as servicer for Midland Funding.
 
Ms. [redacted] states that she has requested validation of the debt on several occasions and has not received any information.  Midland Credit’s business records indicates that it began receiving notices of dispute from the credit reporting agencies on October 31, 2015.  Midland Credit appropriately verified the account information being furnished in response to notices received.  Additionally, Midland Credit mailed Ms. [redacted] a copy of the verification information provided by the seller for account no. [redacted] on June 24, 2016 and January 6, 2017.  A copy of the verification information provided by the seller for account no. [redacted] was mailed to Ms. [redacted] on July 29, 2016.
 
Midland Credit received the first correspondence directly from Ms. [redacted] on August 22, 2016, regarding account no. [redacted], and on October 17, 2016 regarding account no. [redacted].  As verification information had recently been sent to Ms. [redacted] regarding her accounts, Midland Credit requested she provide additional information regarding her dispute.  Midland Credit appropriately responded to subsequent disputes received from Ms. [redacted].
 
The verification information for each of the above-referenced accounts is again enclosed for Ms. [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.
 
Ms. [redacted] requests that information be removed from her credit report.  A review of Midland Credit’s business records indicates that Midland Credit requested the three major credit reporting agencies to remove reference of account no. [redacted] from Ms. [redacted] credit files in July 2016.  A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies for account no. [redacted] is accurate.
 
Per Ms. [redacted] previous request, the above-referenced accounts will remain marked “Cease and Desist.”  While they remain due and owing, Ms. [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law.
 
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to Ms. [redacted].
 
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.
 
Sincerely,
Midland Credit Management, Inc.
 
[redacted]
Division Manager, Consumer Support Services
[redacted]
 
Enclosure

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.
I sent my response. I did not receive any merchandise and want this closed and off my credit report. MIDLAND  continues to send letters to my house saying if I don't respond in 30 days that the debt is owed. I responded the first time I recived the letter.I did not reconvenient any merchandise.  I am not liable for this. Please close this and take it off my credit report so they stop harassing me for something I don't owe.
Regards,
[redacted]

Dear Ms. [redacted]:
 
Thank you for your letter inquiry regarding Mr. [redacted]’ complaint, which Midland Credit Management, Inc. (“Midland Credit”) received August 13, 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, Verizon Wireless, at the time of acquisition indicates this account was originated on August 6, 2008 as a Verizon Wireless 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 December 7, 2009.  The balance at the time of purchase was $653.10. 
 
Mr. [redacted] expresses a concern that Midland Credit has re-aged the account by listing an open date that is later than the original.  While Midland Credit is sensitive to Mr. [redacted]’ concern, Midland Credit does not alter or modify any of the original account information provided by the seller, such as the name of the consumer, the date of origination, or the date of occurrence.  Midland Credit reports the information on the accounts it services based on the business records maintained by the original lender/seller. 
 
In accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open date being reported on this account reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.”   The open date listed on Mr. [redacted]’ credit report is in fact the date of purchase by Midland Funding LLC.  Midland Credit is furnishing accurate information to the credit reporting agencies.
 
Additionally, please assure Mr. [redacted] that the manner in which Midland Credit’s tradeline appears on his consumer credit files does not affect the expiration of the seven-year Federal Reporting period.  A review of Midland Credit’s business records indicates that the first date of delinquency for the account was July 10, 2009.  As such, the Federal Reporting period for the account will expire in July 2016.  Please note that this does not extinguish the debt, rather, it prevents the account from being reported to the credit reporting agencies.  The account will remain collectible, due and owing to Midland Credit. 
 
If Mr. [redacted] is ready to resolve the above-referenced debt, he may qualify for a reduction in his account balance.  Mr. [redacted] may call a Midland Credit account manager at 800-825-8131 to assist him in reaching a resolution of the account balance.
 
Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to Mr. [redacted].
 
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.
 
Sincerely,
 
Midland Credit Management, Inc.
[redacted] Esq.
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
 
GJG: ivf

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. I am not satisfied as Midland Credit Management uses all kinds of techniques to lure customers into paying debts that they buy for a fraction of what they are asking. Their employees pretend not to understand English and will agree to anything to make their quotas even to the point of lying to the customers. The representative even offered to do the same for my other account I have with them if I had set up an arrangement right then with him. This company does not care about their customers if they did they would have better practices in place.

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 September 22, 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 respond to Ms. [redacted]’s concerns.
 
Ms. [redacted] continues to state that she has not been provided with proper validation.  As stated in its previous response, 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.
 
She also continues to assert that her family was contacted about the debt.  As stated in its previous response, no phone contact has been made with Ms. [redacted] or any other parties regarding the account prior to receipt of the complaint through your office.  However, if Ms. [redacted] has additional details and can provide Midland Credit with specific examples, including the date and time in which the specific call occurred, Midland Credit will investigate the matter further.
 
Lastly, she says her dispute was not updated in a timely manner.  As advised in its previous response, Midland Credit received the first correspondence requesting validation from Ms. [redacted] on January 9, 2016.  At that time, Midland Credit appropriately updated Ms. [redacted]’s account as “disputed”; please note that Midland Credit did not start furnishing information regarding the account until March 2016, but upon first furnishing information regarding the account, indicated that the account was disputed, and has done so continuously through the normal course of business.
 
With that said, on September 21, 2017, Ms. [redacted] contacted Midland Credit and spoke with a representative, and advised that she never opened the account.  At that time, and in keeping with its Consumer-First policy, Midland Credit made the business decision to close the account.  There will be no further collection activity, furnishing of account information to the credit bureaus, or sale of this account.  In addition, the three credit-reporting agencies have been notified to delete Midland Funding’s reference to the collection account in question from Ms. [redacted]’s consumer credit files.  A copy of the Universal Data Form showing the request which was sent to the credit reporting agencies is enclosed for Ms. [redacted]’s records.
 
Please assure Ms. [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 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
AR: [redacted]
 Enclosure

Dear [redacted]
 
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received September 19, 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 October 14, 2013.  Information provided by the seller, [redacted] at the time of acquisition indicates this account originated on May 14, 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 November 29, 2010.  The balance at the time of purchase was $470.32. 
 
[redacted] states that he requested validation on multiple occasions but has not received a response.  On October 26, 2013, Midland Credit mailed [redacted] a validation letter.  Please note that the letter was mailed to the same address listed within the consumer’s complaint via the United States Postal Service.  The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”).  15 U.S.C. § 1692.  In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (15 U.S.C. § 1692).  
 
Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter.  A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] on June 6, 2016 followed by a second request on July 12, 2016.  In both instances, Midland Credit responded by sending a letter advising [redacted] that an investigation had been opened and the appropriate documents had been requested.  In addition, Midland Credit annotated the account as disputed, and ceased collection efforts while it was in the process of verifying the debt.
 
However, in keeping with its Consumer-First policy, Midland Credit made the business decision to close the account.  There will be no further collection activity, furnishing of account information to the credit bureaus, or sale of this account.  In addition, the three credit-reporting agencies have been notified to delete Midland Funding’s reference to the collection account in question from [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 [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.I have never received a validation of debt -- I got a bill. I have researched this "company" and they make a practice of holding peoples credit reports hostage in order to extort payment. If this is not deleted from my bureaus, I will file a complaint with the ** attorney general, FTC, and even file a civil complaint for violation for the FCRA --
Regards,[redacted]

September 25, 2017
VIA E-MailRevdex.com of San Diego
Re:  Consumer complaint of [redacted]Revdex.com# [redacted]MCM #: [redacted]Original Creditor: [redacted]Original Account #: [redacted]Affinity: [redacted]
Dear Revdex.com:
Thank you for your letter inquiry regarding Ms. [redacted]’s complaint, which...

Midland Credit Management, Inc. (“Midland Credit”) received on September 20, 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]
[redacted]
Enclosure

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.First of all, I never received a response to my request for validation, as I stated in my previous complaint, and there is no evidence that I did.  I first discovered the existence of this account on my credit report, not from any letter or validation they sent.  Under [redacted] Finance Code, Midland should have responded to my request within 30 days.  I am making every effort to resolve this matter without presenting this case to a courtroom before a jury.  This is a consumer rights issue.  I am respectfully requesting that Midland delete this account promptly to avoid aggressive action in this case.
Regards,[redacted]

Dear Ms. [redacted]:
 
Thank you for your letter inquiry regarding Ms. [redacted]’ complaint, which Midland Credit Management, Inc. (“Midland Credit”) received June 23, 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] 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.
 
Ms. [redacted] further states that she sent a request through the credit bureaus requesting Midland Credit to validate the debt with a signed contract.  A review of Midland Credit’s business records indicate that it began receiving notices of dispute from the credit reporting agencies on May 18, 2017.  In response, verification information provided by the seller was mailed to Ms. [redacted] by Midland Credit on June 7, 2017.  A copy of that documentation is again enclosed for her records.  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. 
 
Please note that based on the information provided by the seller, Midland Credit has determined that its credit file, and the information being furnished for the above-referenced account, is accurate.  Midland Credit will be closing its investigation of Ms. [redacted]’ dispute and will be resuming regular collection activities as allowed by the Texas Finance Code and/or the Fair Credit Reporting Act.
 
If Ms. [redacted] is ready to resolve the above-referenced debt, she may qualify for a reduction in her account balance.  Please have Ms. [redacted] call Account Manager [redacted] at (800) 825-8131 ext. [redacted] to assist her in reaching a resolution of the account balance.
 
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to Ms. [redacted]. Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.
 
Sincerely,
Midland Credit Management, Inc.
 
[redacted]
Division Manager, Consumer Support Services
AR: kmb
 Enclosure

Dear Revdex.com:
 
Thank you for your follow-up letter inquiry regarding Ms.
[redacted] complaint, which Midland Credit
Management, Inc. (“Midland Credit”) received January 29, 2018.  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 the verification
information provided by the seller is not sufficient to validate the debt.  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.
 
Per Ms. [redacted] previous request, the
account will remain marked “Cease and Desist.”  While it remains due and owing, Ms. [redacted]
will continue to not receive correspondence or calls from Midland Credit
representatives unless a response is required by law.
 
Midland Credit considers consumer complaints a
serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the
inconvenience caused to Ms. [redacted].
 
Thank you again for your assistance in this
matter.  Please contact Midland Credit’s Consumer Support Services team at
[redacted] should you have any further questions.
 
Sincerely,
Midland Credit
Management, Inc.
 
[redacted],
Senior Manager Operations, Consumer Support
Services
AR: kmb

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. Thank you for your time and help.
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.
Counselor your letter is good and dandy but your company sends letters that one department does not know about.  On 11/4/2015 and 11/23/15 a letter was received that the account was investigated and WOULD be reported to credit bureaus.  After a telephone call to your poorly run customer service a letter was placed and sent on November 15, 2015 denying the marital debt and requesting verification and a copy of a contract.  Yet another response was  received on 12/14/2015 stating as to my letter of 11/15/2015. ,no information was reported to credit bureaus.    So as you can see, I am confused by your company actions. 
I want a letter stating that all letters have been reviewed and the final decision is to not sell the debt or place on the credit report. 
Thank you.
[redacted]Regards,[redacted]

March 30, 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] and [redacted]
Dear [redacted]:
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received March 16, 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] for which 1099-MISCs were issued.  Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on September 30, 2008.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on July 8, 2002 as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted].  Subsequently, the account was charged-off as an unpaid delinquent-debt on June 27, 2008.  The balance at the time of purchase was $505.63.
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on October 15, 2010.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on November 21, 2005 as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted].  Subsequently, the account was charged-off as an unpaid delinquent-debt on June 30, 2008.  The balance at the time of purchase was $1,044.72. 
Account information is not being furnished to the credit reporting agencies for the above-referenced accounts.  [redacted] has no further financial obligation for either account.
[redacted] indicates that he has contacted Midland Credit but has received no response.  Please note that upon receipt of [redacted] email, Midland Credit representatives began investigating his concerns.  However, due to the complexity of [redacted] issues the investigation required time.  Additionally, Midland Credit was not advised by [redacted] that he was no longer represented by an attorney until shortly before it received the complaint through your office.  Accordingly, Midland Credit was unable to communicate directly with [redacted].  Midland Credit apologizes that it was not able to respond in as timely a manner as it normally would.
[redacted] expresses concern with the amounts reflected on the 1099-MISCs which Midland Credit sent him.  A review of Midland Credit’s business records indicates that [redacted] brought suit against it in 2014 for the above-referenced accounts.  The suits were settled for a total of $13,000.00.  The 1099-MISCs which [redacted] received reflect a total amount of $13,000.00.  It appears that [redacted] believes that the 1099-MISCs should reflect the amount of money he actually received.  [redacted] received a total of $5,000.00 out of the settlement amount.  [redacted] attorneys received the remainder.  However, the full amount of the settlement must be reported to the Internal Revenue Service (“IRS”), including any portion paid to [redacted] attorneys.  The 1099 MISCs issued to [redacted] do reflect the correct amounts.  Midland Credit is unable to report an amount other than what was actually paid.
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 Mr. [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received July 19, 2017.  Midland Credit appreciates the opportunity to answer your questions.
 
Mr. [redacted] expresses a concern...

that Midland Credit contacted him on his cell phone multiple times without consent.  An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer.  During a search for the correct consumer, Mr. [redacted] phone number was provided to Midland Credit representatives by a third party.  However, Midland Credit’s business records do no indicate that it has made any call attempts to Mr. [redacted]’s phone number, [redacted]
 
Mr. [redacted] phone number has been marked “Do Not Call” in Midland Credit’s computer system for the referenced account.  Mr. [redacted] will not receive calls from Midland Credit representatives regarding the referenced account.  Additionally, Mr. [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 Mr. [redacted]
 
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.
 
Sincerely,
Midland Credit Management, Inc.
 
[redacted]
Division Manager, Consumer Support Services
AR: cl

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 provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.[redacted]Because I am disputing this debt, you should not report it to the credit
reporting agencies. If you have already reported it, please contact the credit
reporting agencies, inform them that the debt is disputed, and ask them to
delete it from my credit report. Reporting information that you know to be
inaccurate, or failing to report information correctly, violates the Fair Credit
Reporting Act.
Finally, please note that I do not wish to receive further telephone calls or
letters concerning this debt that I do not owe to your client. The Fair Debt
Collection Practices Act requires you to respect this request. See 15 U.S.C.
§1692(c).
Regards,
[redacted]