Western Power Train Repair Ltd

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 fileIf Midland cannot resolved the issue, please return the following file to the original creditor ( [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 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 counselPlease completely remove this account from the three major credit bureau $ Regards, [redacted] ***

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 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”) The full name of the original creditor for the above-referenced account is [redacted] , ***(“ [redacted] ”) [redacted] then sold the account to Midland Funding on or about October 14, 2014, which was immediately placed for servicing with Midland Credit Information provided by the seller, [redacted] , at the time of acquisition indicates this account was originated on May 23, as a [redacted] account number ending in [redacted] in the name of [redacted] , under the last four of the social security number *** Information provided by the seller indicates that [redacted] received the last payment for the account on December 15, in the amount of $ Subsequently, the account was charged-off as an unpaid delinquent-debt on July 27, The balance at the time of purchase by Midland Funding was $2, The current amount due is $2, [redacted] expresses concern that he has attempted to contact Midland Credit to resolve the balance for the above-referenced debt, but has been unable to set up an arrangement with an Account Manager Midland Credit appreciates [redacted] willingness to resolve this account, and apologizes for the inconvenience [redacted] experienced in his attempts so far On September 3, 2015, a Midland Credit representative contacted [redacted] to see if he was still interested in resolving the account, and transferred him to an Account Manager [redacted] requested that a letter confirming his offer of $1,to resolve the balance be mailed to him before he submitted a payment This letter will be mailed to him at the same address provided in his complaint Midland Credit looks forward to continuing to work with [redacted] to reach a positive resolution Should [redacted] have any further questions or concerns about the payment arrangement, he may contact [redacted] to assist him, or Midland Credit’s Consumer Support Services team at [redacted] *** Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

July 22, 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 [redacted] Thank you for your letter inquiry regarding Mr [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received July 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 March 15, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on May 8, 2011, as a [redacted] ***, [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 February 27, The balance at the time of purchase was $ Final payment on the account was received by Midland Credit on August 13, Mr [redacted] has no further financial obligation for this account A review of Midland Credit’s business records indicates that on June 24, 2012, this account was placed with [redacted] [redacted] subsequently placed the account with [redacted] who obtained judgment on January 7, Due to a miscommunication, Midland Credit was not informed that a judgment had been obtained At that time, Mr [redacted] was making payments to Midland Credit instead of the firm servicing the account As a result, Midland Credit requested that the firm return the account to Midland Credit for servicingMr [redacted] finished paying the full balance of the account; however, since Midland Credit was not properly advised that a judgment was obtained, it was unaware that a satisfaction of judgment needed to be filed As described in the complaint, Mr [redacted] questions the alleged conduct of certain Midland Credit employees Please note that Midland Credit has finished conducting an investigation regarding the alleged conduct of its employees, and has determined that the initial representatives with whom Mr [redacted] spoke were unable to ascertain that a judgment had been obtained as Midland Credit was not notified of that fact The representatives did follow the appropriate procedures for attempting to resolve concerns related to judgments when no information regarding a judgment is available, and properly advised Mr [redacted] that the process normally takes three to seven days to complete Midland Credit sincerely apologizes for the misunderstanding and inconvenience On June 13, 2016, the same day that Midland Credit received Mr [redacted] ’s complaint, he called in and spoke to another Midland Credit representative During that conversation, the representative requested that Mr [redacted] send a copy of the judgment since one had not been provided by the firm Upon receipt of the judgment, the representative forwarded it to the appropriate department with a request that the judgment be satisfied in an expedited manner That department was able to complete the filing of the satisfaction of judgment on June 15, That same day, Mr [redacted] was sent a copy of the satisfaction of judgment by mail and fax Another copy of the satisfaction of judgment is enclosed for Mr [redacted] ’s records Mr [redacted] also appears to take exception to the use of aliases by Midland Credit’s representatives The use of aliases by its representatives is allowable by law Additionally, the aliases used are registered with the appropriate regulators in those locations where they are required to be registered Please assure Mr [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego in good standing With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Mr [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] ext [redacted] should you have any further questions Sincerely, [redacted] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

Dear Ms [redacted] : Thank you for your follletter inquiry regarding Mr [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received May 10, 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 May 4, Mr [redacted] continues to request the tradelines for the above-referenced accounts to be removed from his credit reports After reviewing his latest submission to your office, Midland Credit respectfully maintains its position provided in its previous response and reiterates that it has acted appropriately The account information being furnishing to the three major credit reporting agencies for the above-referenced accounts is accurate Mr [redacted] additionally states he is willing to share proof regarding his claims To date, Midland Credit has not received any information which would invalidate either of the above-referenced debts However, Midland Credit is more than willing to review any documentation Mr [redacted] can provide Please advise him to contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should he wish to discuss the matter further In the meantime, per Mr [redacted] previous request, the above-referenced accounts will remain marked “Cease and Desist.” While they remain due and owing, Mr [redacted] will continue to not receive contact from Midland Credit representatives unless a response is required by law Thank you again for your assistance in this matter Sincerely, Midland Credit Management, Inc [redacted] Division Manager, Consumer Support Services [redacted] ***

May 18, 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] Dear [redacted] In its previous response dated April 1, 2016, Midland Credit stated that it had acknowledged [redacted] dispute regarding account no [redacted] ceased collection efforts, annotated the account as disputed, and was in the process of verifying the debt [redacted] submitted another inquiry on May 4, 2016, and this response serves to address his additional concerns Midland Credit has acted in a timely manner and has complied with all applicable laws However, in keeping with its Consumer-First policy, Midland Credit has made the business decision to close account no [redacted] There will be no further collection activity or sale of this account In addition, as stated in is previous response, the three credit-reporting agencies were previously notified to delete Midland Funding’s reference to the collection account in question from [redacted] ***’s consumer credit files [redacted] continues to express concern that he has a letter stating that the accounts would be removed from his credit report As indicated in its previous response, Midland Credit previously made the business decision to close account nos [redacted] and [redacted] on February 8, Shortly thereafter, Midland Credit notified the three major credit reporting agencies to cease reporting the tradelines of account nos [redacted] and [redacted] Midland Credit ceased furnishing information for the tradeline for account nos [redacted] and [redacted] on February 29, 2016, and for account no [redacted] on April 11, Please note that the credit reporting agencies have advised that they may require to days to update to a consumer’s credit files 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***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received September 7, Midland Credit appreciates the opportunity to answer your questions Ms [redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”) Given that Midland Credit’s response to the complaint from your office would be the same as the response which Midland Credit previously provided to the CFPB, a copy of that response is enclosed Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms*** 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: mrb Enclosure

October 9, 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, 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, Information provided by the seller, [redacted] , under the last four of the social security number *** The first delinquency occurred on May 19, Subsequently, the account was charged-off as an unpaid delinquent-debt on November 20, 2016, with a balance of $ The current amount due is $ 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, 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, 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-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Senior Manager Operations, Consumer Support Services [redacted] Enclosure

Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 25, 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 15, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on March 7, 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 13, The balance at the time of purchase was $ A review of Midland Credit’s business records indicates that on November 8, 2015, this account was placed with [redacted] ***(“ [redacted] ***”) [redacted] expresses a concern regarding the verification information that was previously mailed to him being sufficient to show that the debt belongs to him Please note, the documentation was provided by the seller, matches the name and address supplied by [redacted] within his inquiry through your office, and 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 Although verification information provided by the seller was already mailed to [redacted] in response to his prior disputes, a copy of that documentation is again enclosed for his records [redacted] also alleges that he never requested Midland Credit to submit a “disputed” remark to the credit reporting agencies and claims that he never disputed the account himselfA review of Midland Credit’s business records indicate that it has received multiple notifications of possible disputes from the credit reporting agencies that were submitted by [redacted] In addition, Mr [redacted] submitted a complaint through the CFPB (“Consumer Financial Protection Bureau”) on January 20, where he specifically indicated that he disputed the information that Midland Credit was reportingIn response to those disputes submitted by [redacted] , Midland Credit is required to update the credit reporting agencies with this information 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 Should [redacted] wish to have the dispute notation removed from his consumer credit files, he may submit a written request, stating that he does not dispute that the debt belongs to him to Consumer Support Services using the address on this letterhead However, please note that requesting validation of the debt or full removal of the account from his consumer credit files is also treated as a dispute The debt remains placed with [redacted] at this timeMidland Credit encourages [redacted] to work with the firm to assist in reaching a positive resolution He may reach [redacted] 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 October 7, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on April 19, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on July 6, 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 March 12, The balance at the time of purchase was $ [redacted] expresses a concern that there is a debt with Midland Credit on his credit report which he did not open [redacted] also writes that he disputed this account with the credit bureaus yet it remains on his consumer credit files On April 23, 2012, Midland Credit mailed [redacted] a validation letter Please note that the letter was mailed to [redacted] via the United States Postal Service The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”) 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 Midland Credit received the first notice of possible dispute from the credit reporting agencies on or about August 26, In response, Midland Credit sent [redacted] verification information provided by the seller along with a letter requesting he provide further information if he still believed the account information is inaccurate A copy of the verification information provided by the seller is enclosed for [redacted] records Please note that the verification information provided by the seller meets the requirements of the FDCPA The original contract, complete payment history, and a full set of billing statements are not required under the FDCPAChaudhry vGallerizzo, F.3d (4th Cir1999) [redacted] expresses a desire to have the above-referenced account deleted from his consumer credit files upon resolving the balance Please note that it is Midland Credit’s policy to furnish accurate account information Should [redacted] pay the full balance, Midland Credit will furnish information for the account as “Account paid in full, was a collection account.” Should [redacted] pay less than the full balance, Midland Credit will also notify the credit reporting agencies to add an additional memo stating “Account paid in full for less than the full balance.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate [redacted] advises that the account may have been opened while he was ill by a family friend who was caring for him Midland Credit stands ready to assist [redacted] in clearing his record if he has been a victim of identity theft or fraud If such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a copy of either a police report or affidavit of fraud showing that he reported the fraudulent activity Please note that an affidavit of fraud can be found at [redacted] If submitting an affidavit of fraud, [redacted] should complete the form and have the form notarized [redacted] can also contact Midland Credit online at [redacted] where he can email questions to a Consumer Support Services (CSS) specialist, find the answers to frequently asked questions, and upload documents to support his request Uploaded documents are automatically sent to a CSS specialist, who will investigate the consumer’s question and mail back a response Or [redacted] may forward appropriate documentation to CSS using the contact information on this letterhead Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

June 2, VIA E-Mail [redacted] Revdex.com of San Diego Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM #: [redacted] Original Creditor: [redacted] ***, N.A Original Account #: [redacted] Dear MsPassick: Thank you for your letter inquiry regarding Ms [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received May 25, 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 she received returned letter that was never opened While Ms [redacted] did not indicate which address she sent a letter to that was returned, it appears that she attempted to send her letter to an address at which Midland Credit previously had a location Should Ms [redacted] wish to contact Midland Credit moving forward, she may use the contact information on this letterhead Ms [redacted] indicates that this account was placed in dispute even though she never notified Midland Credit of a dispute A review of Midland Credit’s business records indicates that on October 25, 2016, this account was placed with [redacted] Finance, Inc(“ACF”) for servicing Midland Credit’s business records indicate that Ms [redacted] sent a letter to ACF indicating that the account was disputed As such, Midland Credit appropriately updated its records to reflect Ms [redacted] dispute of the account Additionally, as the account had since been placed back to Midland Credit for servicing, Midland Credit responded to Ms [redacted] dispute on December 9, by mailing her a copy of the verification information provided by the seller Ms [redacted] requests to be provided with complete records of the account A copy of the verification information provided by the seller is enclosed for Ms [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 A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies is accurate If Ms [redacted] is ready to resolve the above-referenced debt, she may qualify for a reduction in her account balance Please have Ms [redacted] call Account Manager [redacted] at (800) 825-ext [redacted] to assist her in reaching a resolution of the account balance Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Division Manager, Consumer Support Services [redacted] Enclosure

Thank you for your prompt responseI've attached the form to this emailBest, [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 I reviewed the " validation" and that is not sufficient nor does it prove that I am the owner of that acctI dont see anu signed contract, loan applications, etc As far as the G [redacted] Im not sure what that company is either If I spoke with them, provide copies/ proof of those recordings asap Regards, *** ***

Dear [redacted] Thank you for your letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received February 5, 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, [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

November 24, 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] Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received November 10, 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 November 5, [redacted] continues to express concern regarding his credit report He has also expressed an additional concern that his disputes are going unheard and states that he has reached out to the original creditor, [redacted] Please note that Midland Credit has responded appropriately to all of the disputes that it has received, including the prior dispute received through your agency, referenced above [redacted] states the account is being reported by [redacted] as “Paid, was a collection account, insurance claim or government claim or was terminated for default” As previously advised, depending on the current condition of a given account, Midland Credit will furnish an account as either “Account assigned to internal or external collections,” “Account paid in full, was a collection account,” or “Account paid in full for less than the full balance.” Midland Credit’s business records indicate that it is furnishing the account information as “Account paid in full, was a collection account,” to the three major credit reporting agencies [redacted] also claims that [redacted] is listing Midland Credit as the original lender, and that [redacted] is not showing Midland Credit’s tradeline, only that of [redacted] Midland Credit maintains its stance that it is furnishing the same “Account paid in full, was a collection account” status to all three major credit reporting agencies and that the information being furnished is accurate [redacted] is encouraged to communicate directly with the credit bureaus should he have any further concerns Additionally, if [redacted] obtained his credit report from a compilation source, the information being reported may appear to vary The credit bureaus have advised that it appears this way because they do not directly populate the fields on credit reports pulled from any source other than directly from the credit bureau itself [redacted] also writes that there was an agreement for a deletion when he paid the account According to Midland Credit’s business records, [redacted] was advised that if he paid the full balance on the account it would report as “paid in full.” Additionally, he was advised that if he were to accept a settlement offer on the account, there would be an additional line that would state “for less than full balance.” Midland Credit then obtained authorization to accept payment on the account from [redacted] spouse, and the account was paid that day A review of Midland Credit’s business records indicates that it is accurately furnishing information for the above-referenced account as “Account paid in full, was a collection account.” If Midland Credit were to delete the account, its correct and accurate status would not be reflected Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

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 Revdex.com: please advised midland that im not disputing how I owe this debt, what im requestiing from midland was signed documents, from midland or [redacted] send me that information so I can see the signature of how this account was opened who signed the agreements, so if they are saying they purchased this account from credit one, they need to get the signed contract or signed application from that company and send it to me, sending me a invoice is no proof of anything, I was a victim of identify theft but thats another issue of its own thats why I want to see the signature for this account in question, midland tactics are well known they just do whatever they please and do not like to get facts before making decisionsThank you 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 I have tried several times to reach the account manager listed on their response unsuccessfully I'm either told she's unavailable or my messages have not been returned They have also now flagged the account as a "collections" account, which has negatively impacted my credit score I've also noticed the amount charged off by the original creditor is not the same amount midland funding is attempting to collectI would like an explanation for that Since I have been unable to reach the account manager, I would like this person to contact me to resolve the account Regards, [redacted] ***

November 22, 2017VIA E-MailRevdex.com of San DiegoRe: Consumer complaint of Ms [redacted] ***Revdex.com# [redacted] MCM #: [redacted] Dear Revdex.com:Thank you for your follletter inquiry regarding Ms***’ complaint, which Midland [redacted] Management, Inc(“Midland [redacted] ”) received on November 14, Midland [redacted] appreciates the opportunity to answer your questions.Ms***’ recent complaint does not appear to contain new concerns from her original inquiry Accordingly, Midland [redacted] must respectfully state that its position has not changed from its previous response.Midland [redacted] continues to encourage Ms [redacted] to work with [redacted] , [redacted] (“ [redacted] ***”) to assist in reaching a positive resolution Ms [redacted] may reach [redacted] at [redacted] *** Their ph [redacted] number is (800) 292-***.With that said, as Ms [redacted] states that the account may be the result of some [redacted] using her personal information, Midland [redacted] 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 [redacted] respectfully requests that Ms [redacted] provide it with a copy of a police report showing that she reported the fraudulent activity Per Ms***’ previous request, 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 [redacted] representatives unless a response is required by ***.Midland [redacted] considers consumer complaints a serious matter and fully respects consumers’ rights Midland [redacted] apologizes for the inconvenience caused to Ms*** Thank you again for your assistance in this matter Please contact Midland [redacted] ’s Consumer Support Services team at (800) 825-ext*** should you have any further questions.Sincerely, Midland [redacted] Management, Inc[redacted] ***,Senior Manager Operations, Consumer Support Services [redacted] ***

DATE \@ "MMMM d, yyyy" August 28, VIA E-Mail Revdex.com of San Diego Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM #: [redacted] Original Creditor: [redacted] , N.A Original Account #: [redacted] Affinity: [redacted] Card Dear Ms***: Thank you for your letter inquiry regarding Ms [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received on August 18, 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] questions whether Midland Credit is furnishing accurate account information as a “Factoring Company” on her consumer credit files A review of Midland Credit’s business records indicates that it is using the appropriate Metro code to describe itself as a “Debt Buyer” to the three major credit reporting agencies However, it has no control over the manner in which each credit reporting agency decides to display that information Ms [redacted] is encouraged to communicate directly with the credit bureaus should she have any further concerns In addition, if Ms [redacted] obtained her credit report from a compilation source, the information being reported may appear to vary The credit bureaus have advised that it appears this way because they do not directly populate the fields on credit reports pulled from any source other than directly from the credit bureau itself 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’s business records further indicate that on August 14, 2016, this account was placed with [redacted] , LLP (“ [redacted] ”) [redacted] advised that a judgment was obtained on April 17, A copy of the judgment is enclosed for Ms [redacted] records, along with the verification information provided by the seller Midland Credit encourages Ms [redacted] to work with [redacted] to assist in reaching a positive resolution Ms [redacted] may reach [redacted] [redacted] 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*** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Division Manager, Consumer Support Services [redacted] Enclosure

DATE \@ "MMMM d, yyyy" May 25, VIA E-Mail Ms [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] Dear Ms***: Thank you for your letter inquiry regarding Mr [redacted] ’ complaint, which Midland Credit Management, Inc(“Midland Credit”) received May 11, 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 24, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on October 25, as a [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 January 27, The balance at the time of purchase was $1, Final payment on the account was received by Midland Credit on June 11, Mr [redacted] has no further financial obligation for this account Mr [redacted] expresses a concern that his requests for validation have been ignored On October 31, 2011, Midland Credit mailed Mr [redacted] a validation letter Please note that the letter was mailed to Mr [redacted] via the United States Postal Service The letter was not returned as “undeliverable,” satisfying the notification requirements of the Fair Debt Collection Practices Act (“FDCPA”) 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 In fact, no correspondence was received directly from Mr [redacted] prior to the complaint filed through your office A review of Midland Credit’s business records indicates that on January 15, 2012, this account was placed with [redacted] [redacted] indicates that an initial letter was sent to you on or about January 19, The firm states they did not receive a response to the notice, and as such suit was filed on March 1, 2012, service was completed on March 7, 2012, and a judgment was entered on April 30, A copy of the judgment is enclosed for Mr [redacted] ’ records [redacted] and [redacted] also indicate that they did not receive any communication from Mr [redacted] disputing the debt or requesting validation Mr [redacted] expresses a concern that the account is reporting incorrectly with a balance, and that the judgment is appearing as open rather than paid A review of Midland Credit’s business records indicates that it is accurately furnishing information for the above-referenced account to the credit bureaus as “Account paid in full, was a collection account.” Additionally, please note that judgments are not reported by Midland Funding LLC Rather judgments are reported by the credit reporting agencies as a matter of public record Mr [redacted] is encouraged to communicate directly with the credit bureaus regarding information appearing on his credit report He may also contact the public records office should he have any further concerns about how the judgment is being reported 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

November 15, 2017VIA E-MailRevdex.com of San DiegoRe: Consumer complaint of [redacted] Revdex.com# [redacted] MCM #: [redacted] Original Creditor: [redacted] , N.A.Original Account #: [redacted] Affinity: [redacted] ***Dear Revdex.com:Thank you for your letter inquiry regarding Ms [redacted] ’ complaint, which Midland Credit Management, Inc(“Midland Credit”) received on November 6, 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.In her complaint, Ms [redacted] indicates that she may have retained an attorneyMidland Credit has no record of her attorney’s contact informationPlease have Ms [redacted] provide her 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 Ms [redacted] is not or is no longer working with legal counsel and will mark her account accordinglyMs [redacted] states that she did not receive an initial notification letter regarding her account On October 25, 2017, 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] expresses multiple concerns regarding a conversation she had with a Midland Credit representative Midland Credit’s business records indicate that the representative followed the correct procedures during the phone call with Ms [redacted] on November 3, When the representative asked if he was speaking with [redacted] , Ms [redacted] replied “yes” The Midland Credit representative was not required to verify an additional piece of information at that time, and appropriately proceeded with the call Additionally, Ms [redacted] did not allow the representative to finish stating disclosures prior to stating her concerns.Ms [redacted] also indicated that she believes it is unlawful for Midland Credit to notify her of possible legal options on the accountThere are several factors used to determine the eligibility of accounts for legal effortsAs a result, the account has been determined to be eligible for legal efforts Midland Credit acted appropriately in advising that non-payment on the account may result in the account being forwarded to a law firm in Ms [redacted] ’ area to review for possible legal efforts to collect the balance This was an accurate statement of potential next steps to be taken on the account.Ms [redacted] requests the account be closed and the credit reporting be updated A copy of the verification information provided by the seller is enclosed for Ms [redacted] ’ recordsThe above-referenced account remains collectible, due and owing to Midland Credit as servicer for Midland Funding Additionally, please note that Midland Credit has not furnished any information to the credit reporting agencies regarding the account.Per Ms [redacted] ’ previous request, 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-ext [redacted] should you have any further questions.Sincerely, Midland Credit Management, Inc[redacted] ***Senior Manager Operations, Consumer Support Services [redacted] ***Enclosure