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Western Power Train Repair Ltd Reviews (754)

June 28, 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 follow up letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received June 21, 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 June 10, 2016.
 
[redacted] states that this account has not been removed from her [redacted] and [redacted] credit files. As advised in its previous response, Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate for the above-referenced accounts.   If Midland Credit were to delete the accounts, the correct and accurate status would not be reflected.
 
For account no. [redacted] may qualify for a reduction in her account balance.  Please have [redacted] call Account Manager [redacted] at [redacted] to assist her in reaching a resolution of the account balance.
 
For account no. [redacted], Midland Credit encourages [redacted] to work with [redacted] to assist in reaching a positive resolution.  [redacted] may reach [redacted]  Their phone number is [redacted]
 
In the meantime, per [redacted]’s previous request for Midland Credit to not try to collect, the above-referenced accounts will remain marked “Cease and Desist.”  While they remain due and owing, [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 [redacted].
 
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at[redacted] should you have any further questions.
 
Sincerely,
 
Midland Credit Management, Inc.
 
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
 
[redacted]

Dear [redacted]
Thank you for your letter inquiry regarding [redacted]’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received February 5, 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 February 2, 2016.
[redacted] expresses a concern that Midland Funding has not been able to show substantial proof that the account belongs to him.  Midland Credit provided the verification information provided by the seller regarding this account in its previous response to your office.  Another copy is attached for [redacted]’s records.  Please note that the verification information provided by the seller meets the requirements of the Fair Debt Collection Practices Act (“FDCPA”).  The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA.
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.
Please
be advise the just the front page of a statement is not sufficient enough for
the debt you said I owe.  
Under
the (FDCPA), I have the right to request validation of the debt you say I owe
you.  I am requesting proof that I am
indeed the party you are asking to pay this debt, and there is some contractual
obligation which is binding on me to pay this debt.  Per the Federal Trade Commission and numerous
court rulings, debt validation consists of:
·        
Complete
payment history, the requirement of which has been established via [redacted] vs.
[redacted] and
·        
Agreement
that bears the signature of the alleged debtor wherein he agreed to pay the
original creditor.
Letter of
sale or assignment from the original creditor to your company. (Agreement
with your client that grants you the authority to collect on this alleged
debt.)           
Intimate
knowledge of the creation of the debt by you, the collection agency
 
 
 
This
reporting such invalidated information to major credit bureaus XE "credit bureau"  might constitute defamation of character, as
the negative marks on my credit report harm my credit
 
I
am dispute fraudulent charge on my credit file. If Midland cannot resolved the
issue, please return the following file to the original creditor ([redacted]
[redacted]) so it can be properly dispute.
At
time debt, the property address are totally different from my current address.
The address on the front of the statement shows [redacted] and my address for the past 7 year has been [redacted]
 
I,
[redacted] currently disputing this debt which I have no Knowledge did not
retained legal counsel nor do I plan obtain legal counsel. Please completely remove
this account from the three major credit bureau $435.30
 
Regards,
[redacted]

October 27, 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 October 17, 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 July 11, 2011.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on February 10, 2009, as an [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 $2,038.60. 
 
[redacted] indicates that the original creditor had determined that the account was fraudulent and had subsequently deleted their trade line from his credit report. Please note that when Midland Funding purchased the account it was not aware that the account was opened fraudulently. In addition, [redacted] states that he mailed letters to Midland Credit disputing the account and had not received a response. Midland Credit does not have a record of receiving written correspondence from [redacted] pertaining to this specific account.
 
Upon receipt of the complaint filed through your office, Midland Credit was able to confirm with [redacted] that the account was in fact fraudulent. Midland Credit acted in a timely manner and has complied with all applicable laws.  However, in keeping with its Consumer-First policy, Midland Credit made the business decision to close the account.  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]

October 27, 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 October 17, 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 29, 2015.  Information provided by the seller,[redacted], at the time of acquisition indicates this account was originated on October 27, 2010, as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted].  Subsequently, the account was charged-off as an unpaid delinquent-debt on December 2, 2014.  The balance at the time of purchase was $1,372.25.  Final payment on the account was received by Midland Credit on March 12, 2016.  [redacted] has no further financial obligation for this account.
 
[redacted] alleges that Midland Credit agreed to remove the debt from his credit report when he paid it off in full. At the time of [redacted]’s final payment, it was not Midland Credit’s policy to remove paid accounts upon receipt of payment. However, in keeping with its Consumer-First approach, Midland Credit recently updated its policy regarding paid tradelines where the date of delinquency is over two years old.  The three major credit reporting agencies have been notified to remove the collection tradeline.  [redacted] continues to have no further financial obligation for this account.
 
In addition, [redacted] requests that [redacted] remove its tradeline as well. Midland Credit has no control of what information [redacted] furnishes to the credit reporting agencies If [redacted] has concerns regarding the information being reported by the original creditor, he may dispute it directly with the credit reporting agencies.
 
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to [redacted].
 
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at[redacted] should you have any further questions.
 
Sincerely,
 
Midland Credit Management, Inc.
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
 
[redacted]

Dear Revdex.com:
 
Thank you for your letter inquiry regarding Ms. [redacted]’s complaint,
which Midland Credit Management, Inc. (“Midland Credit”) received August
3, 2017.  Midland Credit appreciates the
opportunity to answer your questions. Please
note, Midland Credit is bonded in every...

state which requires such bonding for
collection companies.
 
An investigation of this
matter indicates that Midland Credit became the servicer of the
above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland
Funding”), on December 21, 2016.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was
originated on July 11, 2014 as a [redacted] account number ending in [redacted].  The
first delinquency occurred on May 17, 2016.  Subsequently, the account was charged-off as
an unpaid delinquent-debt on November 18, 2016.  The balance at the time of purchase was $536.51. 
 
Ms.
[redacted] expresses a concern that her requests for validation have been
ignored.  A review of Midland Credit’s
business records indicates that it received a notice of possible dispute on
June 2, 2017 and a written dispute from Ms. [redacted] on June 5, 2017.  Verification information was mailed to Ms.
[redacted] on June 21, 2017. 
 
With
that said, 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 request sent to the credit
reporting agencies is enclosed for Ms. [redacted]’s records.
 
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

Dear [redacted]
 
Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received May 31, 2016.  Midland Credit appreciates the opportunity to answer your questions.
 
An investigation of this matter indicates that...

Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on November 16, 2010.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on May 1, 2008, as a [redacted] account number ending in[redacted], in the name of [redacted], under the last four of the social security number [redacted].  Subsequently, the account was charged-off as an unpaid delinquent-debt on October 27, 2010.  The balance at the time of purchase was $617.29.
 
[redacted] expresses a concern that the account is appearing on his consumer credit files but that he did not open the account.  On November 21, 2010, 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 May 4, 2012.
 
In response to [redacted] request at that time, verification information provided by the seller was mailed to him on May 29, 2012.  Verification information was mailed to [redacted] again two more times in response to subsequent requests received from him.  Although verification information provided by the seller was mailed to [redacted] in response to his disputes, 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 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. Chaudhry v. Gallerizzo, 174 F.3d 394 (4th Cir. 1999).  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 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 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.
 
If [redacted] is ready to resolve the above-referenced debt, he may qualify for a reduction in his account balance.  Please have [redacted] call Account Manager [redacted] at[redacted] to assist him in reaching a resolution of the account balance.
 
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to [redacted]
 
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions.
 
Sincerely,
Midland Credit Management, Inc.
 
[redacted]
Corporate Counsel, Legal Affairs & Compliance
*Admitted in Colorado; Registered In-House Counsel in California
 
[redacted]
 
Enclosure

August 12, 2015
 
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 July 29, 2015.  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 you for which Midland Credit is furnishing account information to the credit bureaus.  Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on May 29, 2012.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on August 26, 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 31, 2011.  The balance at the time of purchase was $1,879.69.
 
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on December 27, 2012.  Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on November 25, 2010, as a [redacted] account number ending in [redacted], in the name of [redacted], under the last four of the social security number [redacted].  Subsequently, the account was charged-off as an unpaid delinquent-debt on January 29, 2012.  The balance at the time of purchase was $565.22.
 
While not the only concern addressed by [redacted], she states that debt collectors have excessively contacted her.  Please assure [redacted] that Midland Credit has safeguards in place to ensure that its calls are being placed according to applicable law.  A review of Midland Credit’s business records indicates that Midland Credit did not call [redacted] more often than is allowable pursuant to applicable law.
 
[redacted] states that she has tried disputing this matter, yet the accounts remain in collections and on her credit report.  Midland Credit mailed [redacted] separate and unique validation letters – on June 16, 2012, for account no. [redacted], and on January 7, 2013, for account no. [redacted]. These letters informed her that Midland Funding had acquired the accounts, and of her rights pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq.  (“FDCPA”).  The letters were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA.  15 U.S.C. § 1692.
 
Midland Credit did not receive any correspondence from [redacted] in response to either 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 [redacted] and collect the debts. 
 
[redacted] also states that the accounts were opened without her consent.  Midland Credit stands ready to assist [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 [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 found at www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf.  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/she can email questions to a Consumer Support Services (CSS) specialist, find the answers to frequently asked questions, and upload documents to support his/her 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.
 
Based on the information provided by the seller, Midland Credit has determined that its credit file and credit reporting for account no. [redacted] is accurate.  Midland Credit will be closing its investigation of [redacted]’s dispute and will be resuming regular collection activities as allowed by the [redacted] Finance Code and/or the Fair Credit Reporting Act. 
 
Midland Credit acted in a timely manner and has complied with all applicable laws.  However, in keeping with its Consumer-First policy, Midland Credit made the business decision to close account no. [redacted].  There will be no further collection activity, credit reporting or sale of this account.  In addition, the three credit-reporting agencies will be notified to delete Midland Credit’s reference to account no. [redacted] from [redacted]’s consumer credit files.
 
If [redacted] now recognizes account no. [redacted] and is ready to resolve the debt, she may qualify for a reduction in her account balance.  Please have [redacted] call a Midland Credit account manager at [redacted] to assist her in reaching a resolution of her account balance.
 
Per [redacted]’s concern that she has been receiving excessive calls, the above-referenced accounts have been marked “Direct Mail Only.”  [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 [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 September 6, 2017.  Midland Credit appreciates the opportunity to answer your questions.
 
Ms. [redacted] requests to have the above-referenced account removed from the credit reporting agencies.  A review of Midland Credit’s business records indicates that the three credit-reporting agencies were notified to delete Midland Funding’s reference to the collection account in question from Ms. [redacted] consumer credit files on September 8, 2017. 
 
Per Ms. [redacted] previous concerns, the above-referenced 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 (800) 825-8131 ext. [redacted] should you have any further questions.
 
Sincerely,
Midland Credit Management, Inc.
 
[redacted]

Dear Ms. [redacted]:
 
Thank you for your letter inquiry
regarding Ms. [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 October 8, 2013.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was
originated on February 2, 2010 as a [redacted] account number ending in [redacted],
in the name of [redacted], under the last four of the social security number
[redacted].  Subsequently, the account was
charged-off as an unpaid delinquent-debt on September 30,
2010.  The balance at the time of purchase was $428.29.
 
Ms.
[redacted] writes that Midland Credit placed an account on her credit report without
sending a letter to her and she requests validation of the account.  Pursuant to Midland Credit’s standard
business practices, on October 16, 2013, Midland Credit mailed the initial
validation letter to Ms. [redacted], advising her of the role of Midland Credit as
the servicer of the account and providing her with the required disclosure of
rights set forth in the Fair Debt Collection Practices Act, 15 U.S.C. §
1692.  (“FDCPA”). 
 
Upon
receipt of Ms. [redacted]’ complaint, Midland Credit acknowledged her dispute,
annotated the account as disputed, and ceased collection efforts.  Once Midland Credit has obtained verification
of the debt, a copy will be forwarded to your office.  Additionally,
Midland Credit will not report the account to the three major credit reporting
agencies until it is able to provide verification of the debt.
 
 
Midland
Credit considers consumer complaints a serious matter, and fully respects
consumers’ rights.  Midland Credit
apologizes for the inconvenience caused to Ms. [redacted].
 
Thank
you again for your assistance in this matter.  Please contact Midland
Credit’s Consumer Support Services team at [redacted] ext. [redacted] should you
have any further questions.
 
Sincerely,
 
Midland Credit Management, Inc.
[redacted]
Corporate
Counsel, Legal Affairs & Compliance
*Admitted in Colorado;
Registered In-House Counsel in California
 
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

October 9, 2017
 
VIA E-Mail
Revdex.com of San Diego
 
Re:      Consumer complaint of [redacted]
Revdex.com# [redacted]
                        MCM#...

[redacted]
 
Dear Revdex.com:
 
Thank you for your letter inquiry regarding Mr. [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received October 2, 2017.  Midland Credit appreciates the opportunity to answer your questions.
 
An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on December 21, 2016.  Information provided by the seller, [redacted] [redacted], under the last four of the social security number [redacted].  The first delinquency occurred on May 19, 2016.  Subsequently, the account was charged-off as an unpaid delinquent-debt on November 20, 2016, with a balance of $791.54.  The current amount due is $791.54.
 
Mr. [redacted] expresses a concern that his requests for validation have been ignored.  Midland Credit’s business records indicate that it received the first correspondence from Mr. [redacted] on June 14, 2017.  Based on the information Mr. [redacted] provided, and pursuant to the Texas Finance Code, Midland Credit responded by mailing him a copy of the verification information provided by the seller and a letter on July 14, 2017 advising that Midland Credit had determined that its credit file, and the information it is furnishing for the above-referenced account, was accurate. 
 
A copy of the verification information provided by the seller is again enclosed for Mr. [redacted] records, 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 [redacted] III, LLC is also enclosed.  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.
 
With that said, 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 Mr. [redacted] consumer credit files.  A copy of the Universal Data Form showing the request which was sent to the credit reporting agencies is enclosed for Mr. [redacted] records.
 
Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights.  Midland Credit apologizes for the inconvenience caused to Mr. [redacted].
 
Thank you again for your assistance in this matter.  Please contact Midland Credit’s Consumer Support Services team at (800) 825-8131 ext. [redacted] should you have any further questions.
 
Sincerely,
Midland Credit Management, Inc.
 
[redacted]
Senior Manager Operations, Consumer Support Services
[redacted]
 
Enclosure

December 2, 2015
VIA E-Mail
[redacted]
Revdex.com of San Diego
5050 Murphy Canyon, Ste. 110
San Diego, CA 92123
Re:      Consumer complaint of Mr. [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 November 18, 2015.  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 July 13, 2012.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on February 18, 2008, 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 30, 2010.  The balance at the time of purchase was $828.62. 
Midland Credit became the servicer of account no. [redacted], on behalf of purchaser, Midland Funding, on September 4, 2013.  Information provided by the seller, [redacted], at the time of acquisition indicates this account was originated on June 21, 2008, 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 30, 2010.  The balance at the time of purchase was $2,020.06.
Midland Credit mailed [redacted] separate and unique validation letters – on July 27, 2012, for account no. [redacted], and on September 14, 2013, for account no. [redacted]. These letters informed him that Midland Funding had acquired the accounts, and of his rights pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq.  (“FDCPA”).  Please note that the letters were mailed to [redacted] at the same address listed within his complaint, and were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA.  15 U.S.C. § 1692.
Midland Credit’s business records indicate that it received the first correspondence regarding both accounts from [redacted] on May 22, 2014.  Based on the information provided in the correspondence and pursuant to the [redacted] Finance Code, Midland Credit responded by sending [redacted] a letter for each account, along with a copy of the verification information provided by the seller on June 11, 2014 for account no. [redacted], and on June 13, 2014 for account no. [redacted].  In response to [redacted] correspondence dated August 7, 2015, verification was sent again on September 9, 2015, for [redacted], and August 24, 2015, for [redacted].  A copy of the verification information provided by the seller for each account is enclosed for [redacted] records.
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 accounts, is accurate.  Midland Credit will be closing its investigation of Mr. Howard’s dispute and will be resuming regular collection activities as allowed by the Texas Finance Code and/or the Fair Credit Reporting Act.
Per [redacted] previous request, the above-referenced accounts will remain marked “Cease and Desist.”  While they remain due and owing, [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 [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 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]

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