Western Power Train Repair Ltd

I faxed the required form to 858-496-since I do not have access to a scanner to send via emailThank you

July 6, VIA E-Mail [redacted] Revdex.com of San Diego [redacted] [redacted] ** [redacted] [redacted] Dear Ms [redacted] : Thank you for your letter inquiry regarding Ms [redacted] ’ complaint, which Midland Credit Management, Inc(“Midland Credit”) received June 29, Midland Credit is the servicer of the above-referenced account on behalf of the current owner, Midland Funding, LLC (“Midland Funding”) Midland Credit appreciates the opportunity to answer your questions Ms [redacted] expresses a concern that Midland Credit has ignored her requests to remove the account from her credit reports due to the age of the debt, stating that it is over years old Although the account was originally opened in 2005, the account had activity until July 2010, became delinquent in September Midland Credit’s business records indicates that the seven-year Federal Reporting period for the above-referenced account will expire in September Please note that the expiration of the seven-year Federal Reporting period does not extinguish the debt It only prevents the account information from being furnished to the credit reporting agencies Additionally, Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate On September 13, 2013, Midland Credit mailed Ms [redacted] a validation letter Please note that the letter was mailed to the same address listed within Ms [redacted] ’ complaint via the United States Postal Service The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”) In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA A review of Midland Credit’s business records indicates that it received the first notice of dispute from the credit reporting agencies on May 13, Although verification information provided by the seller was mailed to Ms [redacted] in response to her dispute on June 3, 2015, a copy of that documentation is again enclosed for her records If Ms [redacted] is ready to resolve the above-referenced debt, she may qualify for a reduction in her account balance Ms [redacted] is encouraged to call Midland Credit Account Manager [redacted] *** to assist in reaching a resolution of her account balance Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Division Manager, Consumer Support Services AR: cl 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 this Court has not found any case law interpreting this phrase, a handful of cases have analyzed the phrase "send the consumer a written notice," which also appears in § 1692(a)(2).These cases have coalesced around the proposition that "while the plain language of the statute does not require the debt collector to ensure actual receipt of the validation notice, the plain language does require the debt collector to send the validation notice to a valid and proper address where the consumer may actually receive it." Johnson vMidland Credit Management Inc., No1:CV 1094, WL 2473004, *(N.DOhio Aug24, 2006); see also Mahon vCredit Bureau of Placer County, F.3d 1197, 1201-(9th Cir1999) Midland Credit Management soft pulled my transunion credit report on 11/11/They would have known that the address that they where sending the dunning letter was no longer valid because my file has ONLY my current information on itThis shows that they intentionally sent the letter to a address that they knew I would not receive it which was already won in the court cases above Also, Midland says that they do not have to show any more proof of the validity of the debt and that the have done there due diligence according to the FDCPA and FCRAWe both know that that is not the case and they must prove there current business relationship and complete validationNot a print off with a bunch of numbers and info that anyone could print upI again demand complete validation of this debt and there right to collect it or removal of the collection from all three reports or I will be forced to take my complaint further 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.There is no evidence of Midland responding to any request for validation I am respectfully requesting that Midland delete the account and cease reporting to the bureaus I am making every effort to resolve this matter without presenting this case in a courtroom before a jury Regards, [redacted]

Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received September 19, 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, 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 ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on November 29, The balance at the time of purchase was $ [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”) U.S.C§ In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (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, followed by a second request on July 12, 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

Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received August 27, 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 enclosedAn 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 28, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account originated on June 10, 2009, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on January 13, The balance at the time of purchase was $ [redacted] states that Midland Credit has ignored her request for validation and continues to report the account to her consumer credit files On December 8, 2012, Midland Credit mailed [redacted] a validation letter, which informed her that Midland Funding had acquired the account, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to [redacted] at the same address listed within her complaint and was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from [redacted] in response to the letter A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] on June 23, 2015, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt A review of Midland Credit’s business records indicates that it is accurately furnishing information for the above-referenced account to the three major credit reporting agencies If [redacted] is ready to resolve the above-referenced debt, she 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 In the meantime, Per [redacted] ’s previous request, the above-referenced account will remain marked “Cease and Desist.” While it remains 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 My acceptance is contingent upon the aforementioned trade lines to remain "deleted" from my credit reports and not reappear at a later time under the collection efforts of Midland Credit Management Regards, [redacted]

April 11, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] & [redacted] Dear [redacted] ***: Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 28, Midland Credit appreciates the opportunity to answer your questions Please note, [redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”), case no [redacted] ) Midland Credit sent a response to [redacted] through the CFPB dated April 4, 2016, a copy of that response is enclosed for your reference An investigation of this matter indicates that Midland Credit is the servicer of two accounts belonging to [redacted] *** Midland Credit became the servicer of account number [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on September 25, Information provided by the seller, [redacted] , at the time of acquisition indicates this account was originated on October 7, 2009, as a [redacted] / [redacted] ,***credit card account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on February 13, The balance at the time of purchase was $2, A review of Midland Credit’s business records indicates that on March 3, 2013, this account was placed with [redacted] (“ [redacted] ***”) [redacted] advised that suit was filed on April 18, and a judgment was entered on July 12, A copy of the judgment is enclosed in the attached response to the CFPB Midland Credit became the servicer of account number [redacted] , on behalf of purchaser, Midland Funding, on March 29, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on February 6, 2003, as a [redacted] account number ending in ***, in the name of [redacted] ***, under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on January 2, The balance at the time of purchase was $11, [redacted] is requesting validation on the above referenced accounts Please note, Midland Credit mailed [redacted] separate and unique validation letters – on September 30, 2012, for account number [redacted] , and on April 10, 2013, for account number [redacted] These letters informed [redacted] that Midland Funding had acquired the accounts, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letters were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any written correspondence disputing the debts or requesting validation from [redacted] in response to the letters A review of Midland Credit’s business records indicates that it received the first notification of a possible dispute from the credit reporting agencies on or about January 3, for account numbers [redacted] and [redacted] In response to the notices of possible disputes received on account number [redacted] , Midland Credit mailed [redacted] a copy of the verification information provided by the seller on January 21, 2015, September 9, 2015, and February 26, A copy of the verification information provided by the seller is enclosed in the attached response to the CFPB Please note, upon receipt of [redacted] complaint for account number [redacted] , Midland Credit acknowledged her current dispute, annotated the account as disputed, and has ceased collection efforts while it is in the process of verifying the debt Once Midland Credit has obtained verification of the debt, a copy will be forwarded to [redacted] through the Revdex.com (“Revdex.com”) and CFPB Additionally, Midland Credit will not furnish information for the account to the three major credit reporting agencies until it is able to provide you with verification of the debt [redacted] is also stating that Midland Credit is reporting an inaccurate debt and re-aging the accounts monthly While Midland Credit is sensitive to [redacted] concerns, 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 furnishes account 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 furnished for this account reflects the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.” In regards to account number [redacted] , Midland Credit encourages [redacted] to work with [redacted] to assist in reaching a positive resolutionThe firm may be reach be reached at [redacted] Their phone number is [redacted] Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received June 26, Midland Credit appreciates the opportunity to answer your questions [redacted] filed a similar complaint through the Office of the Attorney General, State of California (“AG”) and the Consumer Financial Protection Bureau (“CFPB”) A copy of Midland Credit’s responses to the AG and CFPB is enclosed An investigation of this matter indicates that Midland Credit is the servicer of two accounts belonging to [redacted] Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on May 17, Information provided by the seller, [redacted] , at the time of acquisition indicates this account was originated on July 29, as a [redacted] account number ending in [redacted] , in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on April 12, The balance at the time of purchase was $ Midland Credit became the servicer of account no [redacted] on behalf of purchaser, Midland Funding, on January 31, Information provided by the seller, [redacted] , at the time of acquisition indicates this account was originated on November 15, as a [redacted] account number ending in [redacted] , in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on July 30, The balance at the time of purchase was $1, [redacted] writes that Midland Credit has not provided validation of the above-referenced debts Midland Credit mailed [redacted] separate and unique validation letters – on May 21, 2011, for account no8539739740, and on March 13, 2013, for account no These letters informed [redacted] that Midland Funding had acquired the accounts, and of her rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letters were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any correspondence disputing the debts or requesting validation from [redacted] in response to the letters A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] on May 11, 2015, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such notices in a timely manner, Midland Credit appropriately proceeded with efforts to contact you and collect the debts Midland Credit is accurately reporting these accounts to the credit reporting agencies Although your request was not timely, verification information provided by the seller was mailed to [redacted] with respect to account no [redacted] in response to her dispute A copy of the verification information provided by the seller is again enclosed here Please note that the verification information provided by the seller meets the requirements of the FDCPA The original contract, complete payment history, and a full set of billing statements are not required under the FDCPAChaudhry vGallerizzo, F.3d (4th Cir1999) [redacted] writes that when she contacted the original creditor, the representative advised her that there was no record of the above-referenced accounts 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 If [redacted] is ready to resolve the above-referenced debt, [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 Per [redacted] ***’s previous request, the above-referenced accounts will remain marked “Direct Mail Only.” While they remain due and owing, [redacted] will continue to not receive phone calls from Midland Credit representatives and all correspondence will be sent via the United States Postal Service Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

Dear Ms [redacted] : Thank you for your letter inquiry regarding Ms [redacted] ’ complaint, which Midland Credit Management, Inc(“Midland Credit”) received July 12, 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 she has no signed contract, nor received services from Midland Funding or its servicer, Midland Credit Please note, Midland Funding does not issue credit As stated above, the account originated as a [redacted] account 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] states that Midland Credit has failed to provide her with adequate proof A review of Midland Credit’s business records indicates that no correspondence was received directly from Ms [redacted] prior to the complaint filed through your office A further review of Midland Credit’s business records indicates that it began receiving notices of dispute from the credit reporting agencies on June 6, In response, verification information provided by the seller was mailed to Ms [redacted] on June 26, A copy of that documentation is again enclosed for her 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 FDCPAA 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] ’ request, the above-referenced account has been marked “Cease and Desist.” While it remains due and owing, Ms [redacted] will no longer 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 Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext*** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Division Manager, Consumer Support Services AR: kmb Enclosure

Dear Ms***: Thank you for your letter inquiry regarding Mr [redacted] ’ complaint, which Midland Credit Management, Inc(“Midland Credit”) received August 13, 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, Information provided by the seller, Verizon Wireless, at the time of acquisition indicates this account was originated on August 6, as a Verizon Wireless cellular account number ending in [redacted] , in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on December 7, The balance at the time of purchase was $ 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, As such, the Federal Reporting period for the account will expire in July 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-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-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

Dear [redacted] *** Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received November 3, Midland Credit appreciates the opportunity to answer your questions A review of Midland Credit’s business records indicates that [redacted] has retained an attorneyMidland Credit has no record of his attorney’s contact informationPlease have [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 days, it will assume that [redacted] is not or is no longer working with legal counsel and will mark his accounts accordingly An investigation of this matter indicates that Midland Credit is the servicer of three accounts belonging to [redacted] for which it is furnishing information to the credit reporting agencies Midland Credit became the servicer of accounts no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on September 15, Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on September 23, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on December 4, The balance at the time of purchase was $1, Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on September 15, Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on September 13, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on November 2, The balance at the time of purchase was $ Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on September 15, Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on September 30, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on December 4, The balance at the time of purchase was $1, [redacted] expresses a concern that he mailed a validation request via certified mail to Midland Credit on March 9, 2016, and did not receive a response Midland Credit mailed [redacted] separate and unique validation letters – on September 23, for account no [redacted] , on November 4, for account [redacted] , and on November 20, for account [redacted] These letters informed him that Midland Funding had acquired the accounts, and of his rights pursuant to the Fair Debts Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letters were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any correspondence disputing the debts or requesting validation from [redacted] in response to the letters A review of Midland Credit’s business records indicates that it received the first written correspondence requesting validation from [redacted] on May 12, Enclosed with the correspondence that was received at that time was a previous letter from [redacted] dated March 9, The attached return receipt listed the recipient as “Midland Financing LLC, PO Box 101928, Birmingham, AL 35210.” Please note, Midland Credit is not affiliated with Midland Financing LLC or the corresponding address to which [redacted] former letter had been mailed As a result, the letter was not received In [redacted] correspondence which was received on May 12, 2016, he referenced an original account number ending in ***, which corresponds to Midland Credit account no [redacted] Please note that Midland Credit had already opened an investigation for the account in response to a notice of possible dispute received from the credit reporting agencies on March 31, In response to the notice, Midland Credit mailed [redacted] a letter on April 22, 2016, advising him of the investigation and stating that the appropriate documentation had been requested Once the documentation was received, Midland Credit mailed a subsequent letter to [redacted] on June 20, 2016, which provided the identifying account information, advised that the credit reporting agencies had been requested to update the status of the account to “disputed,” and requested additional information regarding the dispute Additionally, verification information provided by the seller was enclosed for the account In regards to account no [redacted] , Midland Credit mailed [redacted] a letter on May 20, 2016, advising that its records for the account were accurate, that the credit bureaus had been notified to continue reporting the account as disputed, and requested additional information regarding [redacted] claim Midland Credit also provided the verification information from the seller along with the letter Although verification information provided by the seller was mailed to [redacted] in response to his disputes at those times, a copy of that documentation is again enclosed for his records Please note that a copy of the verification provided by seller for account no [redacted] is also enclosed The verification information provided by the sellers meets the requirements of the FDCPA The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA [redacted] expresses an additional concern that he previously called Midland Credit and attempted to resolve the above-referenced accounts for 25% of each account balance As described in the complaint, [redacted] also questions the alleged conduct of certain Midland Credit employees during the call Please note that Midland Credit representatives have strict guidelines they must adhere to when offering and accepting payment offers Due to those guidelines, Midland Credit was unable to accept [redacted] repayment offer Additionally, the alleged conduct described by [redacted] is being investigated Midland Credit fully respects consumers’ rights and privacy and has established policies and procedures designed to protect those rights However, if, in spite of Midland Credit’s best efforts to ensure professional and courteous communications at all times, it is determined that a violation of company policy may have occurred, the same will be addressed and dealt with in a prompt and appropriate manner If [redacted] is ready to resolve the above-referenced debts, he may qualify for a reduction in his account balances Please have [redacted] or his attorney call Account Manager [redacted] at [redacted] to assist him in reaching a resolution of the account balances In the meantime, 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 Please assure [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

Dear [redacted] Thank you for your follletter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received August 16, 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 August 12, [redacted] continues to assert that Midland Credit failed to respond to his validation request As stated in its previous response, Midland Credit received written correspondence from [redacted] on June 23, Verification information provided by the seller had previously been provided to [redacted] on June 8, 2016, at the same address listed within his complaint and written correspondence Pursuant to the [redacted] Finance Code, Midland Credit responded to his subsequent dispute on July 7, 2016, well within days The verification information was additionally provided to [redacted] in the previous response dated August 12, Midland Credit respectfully maintains that its credit file, and the information being furnished for the above-referenced account, is accurateMidland 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 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] ***

Dear Ms [redacted] :Thank you for your letter inquiry regarding Ms***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received on October 11, 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] requests that this debt be charged off 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] expresses a concern that she did not receive notice that the debt was sold to Midland Funding On August 31, 2015, Midland Credit mailed Ms [redacted] a validation letter Please note that the letter was mailed to Ms [redacted] via the United States Postal Service The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”) In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA Ms [redacted] requests to be provided with proof of the debt A copy of the verification information provided by the seller is enclosed for Ms***’s records A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate.Ms [redacted] states that the debt is time-barred A review of Midland Credit’s business records indicates that the statute of limitations has expired However, please note that the passing of the statute of limitations does not extinguish the validity of a debtRather, it eliminates litigation as a potential remedy Similar to the statute of limitations, the expiration of the seven-year Federal Reporting period also does not extinguish a debt It only prevents the account information from being furnished to the credit reporting agencies A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period for the above-referenced account has not yet expired 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 Ms [redacted] may forward appropriate documentation to Midland Credit using the contact information on this letterhead.With that said, if Ms [redacted] now recognizes this debt as belonging to her, and 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-ext*** 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***.Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions.Sincerely, Midland Credit Management, Inc [redacted] ***Senior Manager Operations, Consumer Support Services [redacted] ***Enclosure

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and 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 Dear Revdex.com representative – [redacted] Thank you for your help in resolving my issueI appreciate the opportunity to answer on MIDLAND FUNDING, LLC aka MIDLAND CREDIT MANAGEMENT (“Midland Credit”) letterPlease take a note that not all information was disclosed by the Midland Credit representative [redacted] hide some information on his reply letter (and I believe he did it on purpose) and this changed entire disputeBelow I would like to remind Midland Credit about those questions which I asked them and I requested proof: On my letter which I sent to Midland Credit on September 2nd and it was delivered on September 8, I requested full validation with all copies or letters which may be sent out to meThis means that Midland Credit should send me copies of all letters with they may sent me beforeI need to see if they are really sent letters to my current Address, which I had for on about yearsBut I still don’t have a single copy of that lettersMidland Credit fully refuse to send me these letters and show me that they really sent me those letters Also, I request Midland Credit to send me full validation with all copies of the Credit Application with original creditor – [redacted] and this Credit Application should be with my signature on itBut I still don’t have a copy of that Credit Application with my signature on itHow Midland Credit know that I open up this account So, Instead of answers on ALL above and other questions the Midland Credit requested information from meI was not asking Midland Credit to ask me questions on my questions, but I asked them to fully validate the debt with proof in writingI will answer on all questions that Midland Credit requested, but they MUST to answer on my questions and fully validate this collection account for me by law If Midland Credit will not validate this account in full by providing me full information which is linked to my name in the next day’s then they MUST to report this account to be deleted from the Credit ReportsBut if they refuse to do this, then I will file a more complaints with other Government Federal and State Bureaus until they will stop to violate the law Regards, [redacted]

Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received December 15, 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 December 7, [redacted] expresses a concern that she has not been provided with proof of liability of this debt Although Midland Credit’s previous response included a copy of the verification information provided by the seller, another copy is enclosed for [redacted] 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 Per [redacted] previous request, the above-referenced account will remain marked “Cease and Desist.” While it remains 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 have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I disagree with Midland Credit Management response because I was first contacted by Midland in See attached letter requesting validation from MCM and signed receipt document by MCM, [redacted] dated 7/11/noting they received my letter for validation in I contacted Midland in via certified letter (attached) requesting validation within days of being contacted by them They received the certified letter because I got the green card back (see attached) but never received validation from them In accordance with my rights under the Fair Debt Collection Practices Act , Section 809(b), I have formally requested that Midland provide me proof that I owe this debt and they own this debt and are legally licensed to collect this debt in They have continued to ignore my requestsI made several attempts and follow up requests via certified letter to get Midland to verify said debt in a timely manner They now in turn state to you that they never received my certified letter within days, I disagree because I have signed documents (attached) from them stating otherwiseThey are in violation of my rights and continue to illegally collect and report on this debt and if they do not remove from my credit file I will file a lawsuit.Thank you for taking the time to review my case and to help me with this matter of dealing with Midland Credit ManagementTo date, Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as wellAs of this year Midland has had to pay close to one million dollars in fines and penalties due to their unlawful business procedures which violate the consumer's rightsTheir illegal actions have caused thousands upon thousands of consumer's credit files to be tainted with negative remarks which includes myself.In order to resolve my complaint, please have Midland Credit Management removed from my credit file so that I can restore my credit and good name back where it once wasI thank you again and look forward to having Midland being removed from my credit file Regards, [redacted] Attachment: 1st request for validation dated July with signed green card from MCM dated July

May 25, VIA E-Mail Ms [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of Mr [redacted] Revdex.com# [redacted] MCM# [redacted] Dear Ms***: Thank you for your letter inquiry regarding Mr [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received May 11, Midland Credit appreciates the opportunity to answer your questions Please note, Mr [redacted] references an account purchased from [redacted] ’s, however, a review of Midland Credit’s business records shows that it does not own such an account for Mr [redacted] A review of Midland Credit’s business records indicates that Mr [redacted] has retained an attorneyMidland Credit has no record of his attorney’s contact informationPlease have Mr [redacted] provide his attorney’s information, if applicable, so that we may contact him/her directlyIf Midland Credit does not receive attorney information in the next 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 January 27, Information provided by the seller, [redacted] III, LLC at the time of acquisition indicates this account was originated on August 31, 2014, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on December 17, The balance at the time of purchase was $ Mr [redacted] expresses a concern that his request for validation was ignored On January 29, 2016, Midland Credit mailed Mr [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”) U.S.C§ In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (U.S.C§ 1692) Midland Credit’s business records indicate that it did not receive any correspondence disputing the debt or requesting validation from Mr [redacted] in response to the letter Although no written requests for validation have been received, a copy of the verification information provided by the seller is enclosed for Mr [redacted] ’s records During a telephone call from Mr [redacted] on May 4, 2016, Mr [redacted] advised that he disputed the referenced debt and believed the account was a result of identity theft The account was sequestered at that time and shortly thereafter Midland Credit received the current complaint through the Revdex.com Midland Credit stands ready to assist Mr [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 Mr [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 www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf If submitting an affidavit of fraud, Mr [redacted] should complete the form and have the form notarized Mr [redacted] can also contact Midland Credit online at www.midlandcreditonline.com/consumer-resolution-center/, 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 Mr [redacted] may forward appropriate documentation to CSS using the contact information on this letterhead Lastly, Mr [redacted] expresses a concern that Midland Funding is reporting information to the credit reporting agencies A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Mr [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] *** Enclosure

Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received September 26, 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 March 11, Information provided by the seller, [redacted] , at the time of acquisition indicates this account was originated on April 11, as a [redacted] account number ending in ***, in the name of [redacted] under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on March 30, The balance at the time of purchase was $On June 21, the account was placed with Midland Credit’s Internal Legal Department (“Internal Legal Department”) for further servicing The complaint indicates that multiple disputes have been submitted and Midland Credit has refused to acknowledge them Midland Credit received notices of possible dispute from the credit reporting agencies as well as email correspondence on several occasions and responded accordingly Validation of the debt was provided to [redacted] on September 23, 2015, and again on May 2, along with letters advising that Midland Credit had investigated the claimsAdditional letters were sent on May 4, 2016, June 3, 2016, July 11, and August 5, in response to correspondence from [redacted] ***The contact information for Consumer Support Services was also provided in the lettersA copy of the verification information provided by the seller and a copy of the judgment is enclosed for your records A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate [redacted] also alleges that Midland Credit has inaccurate information with regard to the original creditorThe account information provided to Midland Credit comes directly from the seller, [redacted] , and is believed to be accurateIf [redacted] has documentation to substantiate the claim of inaccuracy, or to show that the debt was the result of a banking error, she may forward it to CSS using the contact information on this letterhead, or directly to the Internal Legal Department [redacted] also communicates a desire to settle the account Midland Credit encourages [redacted] to work with its Internal Legal Department to assist in reaching a positive resolution They may be reached at PO Box 939050, San Diego, CA and their phone number is [redacted] Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure