Western Power Train Repair Ltd

Dear [redacted] Thank you for your follletter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received August 18, 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 July 23, [redacted] asserts that Midland Credit did not respond to her request for validation within the day period provided for by the Texas Finance Code As stated in its previous response; Midland Credit’s business records indicate that it received the first correspondence from [redacted] on April 15, Based on the information she provided, and pursuant to the Texas Finance Code, Midland Credit responded by sending her a letter on April 29, advising that Midland Credit had determined that its credit file and credit reporting of the above-referenced account was accurate A copy of the verification information provided by the seller was enclosed In response to subsequent requests for validation received on April 20, 2015, April 30, 2015, and June 19, 2015, Midland Credit confirmed that its credit file and credit reporting of the account remained accurate These letters were mailed on April 29, 2015, May 11, 2015, and July 6, All of the letters sent to [redacted] were mailed to the same address listed in her complaint All of the referenced response letters were mailed to [redacted] within days of receipt of each of her requests as required by the Texas Finance Code [redacted] also asserts that Midland Credit did not cease collection activity during the day validation period No collection activity has occurred on the account since receipt of her first letter requesting validation on April 15, Any correspondence sent to [redacted] since that time has been to respond to her requests for validation as required by the Texas Finance Code As stated in its previous response, 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 Please note that based on the information provided by the seller, Midland Credit has determined that its credit file and credit reporting of the above-referenced account is accurate Midland Credit will be closing its investigation of [redacted] ’ dispute as allowed by the Texas Finance Code and/or the Fair Credit Reporting Act 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 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] ***

August 11, VIA E-Mail Revdex.com of San Diego Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM #: [redacted] Original Creditor: [redacted] Original Account #: [redacted] Affinity: [redacted] Dear Revdex.com: Thank you for your follinquiry regarding Miss [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received on August 2, 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 Miss [redacted] continues to assert that there is no contract with Midland Credit regarding the above-referenced account As stated in its previous response, 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, and often sells the debt 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 Additionally, Miss [redacted] states no response was sent to a dispute from 2016, and that documentation validating the debt from the above-referenced account was never received within the required timeframe A review of Midland Credit’s business records indicates that no written correspondence was received directly from Miss [redacted] prior to the previous complaint filed through your office A further review of Midland Credit’s business records indicates that it received notices of dispute from the credit reporting agencies on June 12, 2016, and additionally on July 10, 2017, and on July 11, In response to each notice received, Midland Credit appropriately verified the information it is furnishing to the credit reporting agencies regarding the account, and the verification information provided by the seller was mailed to Miss [redacted] on June 29, Miss [redacted] also indicates that the billing statements have an invalid address for the mailing dates, but did not provide further clarification Midland Credit respectfully requests that Miss [redacted] provide additional information so that it may investigate her concerns further Miss [redacted] may contact Midland Credit online at www.midlandcreditonline.com/consumer-resolution-center/, where she can email questions to a Consumer Support Services (“CSS”) specialist, find the answers to frequently asked questions, and upload documents to support her request Uploaded documents are automatically sent to a CSS specialist, who will investigate Miss [redacted] ’s question and mail back a response Alternatively, Miss [redacted] may forward appropriate documentation to CSS using the contact information on this letterhead A copy of Midland Credit’s response to Miss [redacted] ’s previous inquiry is enclosed As stated in its previous response, Midland Credit’s business records indicate that the account information it is furnishing to the three major credit reporting agencies is accurate In the meantime, per Miss [redacted] ’s previous concerns, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, Miss [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 Miss [redacted] 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: cl Enclosure

Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received October 22, 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 August 29, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on December 1, 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 15, The balance at the time of purchase was $2, A review of Midland Credit’s business records indicates that on February 15, 2009, this account was assigned to [redacted] [redacted] obtained a judgment for the account, which was filed with the court on December 10, A copy of the judgment is enclosed for your records On May 20, 2013, the account was reassigned to Midland Credit’s Internal Legal Department (“Internal Legal Department”) [redacted] expresses a concern that after she made payment arrangements to resolve the balance, the sheriff’s office was not notified to terminate the pending garnishment The Internal Legal Department advises that the payment arrangement was set up on September 10, 2015, which was after the garnishment had been initiated As a result, notice of termination of the garnishment was sent to the sheriff’s office The garnished funds had not yet been forwarded to Midland Credit A review of the sheriff department’s case inquiry system indicates the file was closed as of October 28, and that one of the two payments has already been returned to [redacted] The Internal Legal Department has also advised that they have received another payment under the payment arrangement Midland Credit apologizes for the inconvenience caused to [redacted] and appreciates his willingness to continue working towards the resolution of the judgment balance Should [redacted] have any further concerns or wish to discuss the account further, he may send written correspondence to the Internal Legal Department at PO Box 939050, San Diego, CA Additionally, their phone number is [redacted] 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] Enclosure

November 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] and [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 An investigation of this matter indicates that Midland Credit is the servicer of the two accounts referenced in [redacted] ’ complaint Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on May 29, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on December 21, 2007, 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 December 9, The balance at the time of purchase was $ Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on February 8, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on August 22, 2007, 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 31, The balance at the time of purchase was $2, [redacted] expresses a concern that Midland Credit has ignored their request for validation Midland Credit mailed [redacted] separate and unique validation letters – on June 6, 2013, for account no [redacted] , and on February 17, 2012, for account no [redacted] These letters informed them that Midland Funding had acquired the accounts, and of their 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 has not received any written correspondence from [redacted] pursuant to the [redacted] Finance Code Please note, [redacted] advises that on July 1, 2016, she mailed a certified letter requesting validation of the account to Midland Credit at the Aero DrSte San Diego, CA address In July 2015, Midland Credit moved offices from Aero Drive #200, San Diego, CA to Northside Drive, Suite 300, San Diego, CA While no written correspondence requesting validation for the accounts has been received from [redacted] , Midland Credit’s business records indicates that it received notices of possible disputes from the credit reporting agencies for the above-referenced accounts on June 17, 2016, and August 23, In response to the notices of possible disputes for account no [redacted] , Midland Credit mailed a letter advising [redacted] that it needed more time to investigate their concerns on July 6, Subsequently, Midland Credit made the business decision to close account no [redacted] There will be no further collection activity, furnishing of account information to the credit bureaus, or sale of account no [redacted] In addition, the three credit-reporting agencies have been notified to delete Midland Funding’s reference to the collection account in question from [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 [redacted] ’ records With regard to account no [redacted] , upon receipt of [redacted] ’ notices of possible disputes, verification information provided by the seller was mailed on July 6, 2016, and again on August 31, Although verification information provided by the seller was mailed to [redacted] in response to their previous notices of possible disputes for account no [redacted] , a copy of that documentation is again enclosed for their records Please note that based on the information provided by the seller, Midland Credit has determined that its credit file, and the information being furnished for account no [redacted] is accurate Midland Credit will be closing its investigation of [redacted] ’ dispute and will be resuming regular collection activities as allowed by the [redacted] Finance Code and/or the Fair Credit Reporting Act for account no [redacted] If [redacted] is ready to resolve account no [redacted] , please have [redacted] call Account Manager [redacted] to assist them in reaching a resolution of the account balance In the meantime, per [redacted] ’ request, account no [redacted] has been marked “Cease and Desist.” While account no [redacted] remains due and owing, [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 Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

August 10, 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 August 1, 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 28, Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on September 22, 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 February 28, The balance at the time of purchase was $ [redacted] writes that he last made a payment to his [redacted] account in July 2015, and that the balance at that time was $ He requests information regarding why the balance is now $ A review of business records indicates that the last payment for the account was received on or about July 12, 2015, in the amount of $ The balance at that time was $ No additional payments were received Because no additional payments were received, [redacted] assessed interest and late fees to the balance of the account until the time of charge-off The account was charged off on February 28, with a balance of $ [redacted] also states that he has not heard anything about this account in over a year On April 22, 2016, Midland Credit mailed [redacted] a validation letter Please note that the letter was mailed to the same address listed within the [redacted] ***’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, and no correspondence was received directly from [redacted] prior to the complaint filed through your office [redacted] also requests that his credit report be corrected Please note that Midland Credit has not furnished information for the referenced account at this time [redacted] ***as the original creditor may be reporting the account If [redacted] has concerns regarding the information being reported by the original creditor, he may dispute it directly with the credit reporting agencies A copy of the verification information provided by the seller is enclosed for [redacted] ***’s recordsIf [redacted] is ready to resolve this debt, he may qualify for a reduction in his account balance Please have [redacted] call Midland Credit Account Manager [redacted] to assist him in reaching a resolution of the account balance Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

Dear [redacted] ***: Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received October 22, Midland Credit appreciates the opportunity to answer your questions Per [redacted] submission through the Revdex.com, it appears she may have concerns about an [redacted] accountHowever, the majority of the details provided appear to be in reference to a [redacted] account belonging to [redacted] , being serviced by Midland CreditMidland Credit is not servicing an [redacted] account belonging to [redacted] If she continues to have concerns regarding an account with ***, [redacted] should bring her concerns to the company currently servicing that account Regarding the [redacted] account, 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 26, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on May 3, 2002, 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 June 30, The charge-off balance was $ Additional seller fees of $resulted in a balance at the time of purchase by Midland Funding of $1, [redacted] expresses a concern that she never made a payment in April in the amount of $1, A review of Midland Credit’s business records indicates that the account balance was resolved with a one-time payment of $paid by [redacted] on April 3, [redacted] has no further financial obligation for this account [redacted] expresses a desire to have the above-referenced account deleted from her consumer credit files Midland Credit is pleased that it was able to assist [redacted] in reaching a resolution which resolved the balance for the above-referenced account In keeping with its Consumer-First policy, Midland Credit made the business decision to remove its reference of the account from the three major credit reporting agencies on October 23, Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at ( [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear Ms***: Thank you for your follletter inquiry regarding Ms***’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received May 31, Midland Credit appreciates the opportunity to answer your questions Ms [redacted] indicates that she has been unsuccessful in reaching Ms***, and would like to be contacted Upon receipt of Ms ***’s complaint, Ms [redacted] attempted to call Ms [redacted] on her work and cell phone numbers, but has been unable to reach her Additionally, please note that Midland Credit has strict guidelines that its representatives must adhere to when leaving messages This policy assists in preventing the inadvertent disclosure of private consumer information to third parties Due to these restrictions, no messages have been or can be left Furthermore, Ms [redacted] expresses concern that the account is appearing on her credit report as a collections account Depending on the current condition of a given account, Midland Credit will furnish an account as either “Account assigned to internal or external collections,” “Account paid in full, was a collection account,” or “Account paid in full for less than the full balance.” Midland Credit’s business records indicate that the account information it is furnishing to the three major credit reporting agencies is accurate 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 Ms [redacted] also questions the difference between the amounts for which the original creditor charged off the account, compared to the balance Midland Credit is collecting A review of Midland Credit’s business records indicates that the account was charged off with a balance of $1, The current balance due is $1,553.25, which is the charge-off balance minus one $payment made by Ms [redacted] on March 30, A copy of the charge-off statement provided by the original creditor, showing the $1,charge-off amount, is enclosed If Ms [redacted] wishes to contact Ms***, she may reach her at (800) 825- ext***, Monday through Wednesday 9:00am - 1:00pm, 2:00pm – 6:00pm PST, and Thursday through Friday 6:30am - 11:00am, 12:00pm – 3:30pm PST If Ms [redacted] has a preferred time or phone number at which she would like to be contacted, she may contact Midland Credit’s Consumer Support Services team at (800) 825-ext [redacted] Monday through Friday, 8:00am to 4:00pm PST, to provide such information Additionally, Midland Credit will continue call attempts to Ms [redacted] per her request 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] , Esq Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] : Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received April 11, Midland Credit appreciates the opportunity to answer your questions A review of Midland Credit’s business records indicates that [redacted] may have 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 directlyIf 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 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 November 26, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on December 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 January 15, The balance at the time of purchase was $1, On December 17, 2014, Midland Credit mailed [redacted] a validation letter via the United States Postal ServiceThe 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 Midland Credit’s business records indicate that it did not receive any written 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 written correspondence requesting validation from [redacted] on August 2, Prior to the written correspondence, Midland Credit had received notices of dispute from the credit reporting agencies and responded by mailing [redacted] verification information provided by the seller on July 11, Additional notifications were received from the credit reporting agencies and Midland Credit responded appropriately by mailing [redacted] the same verification information on February 17, Although the documentation was already mailed to [redacted] in response to his previous disputes, a copy of that documentation is again enclosed for his records [redacted] alleges that he continued to receive calls after he requested no further contact from Midland CreditA review of Midland Credit’s business records indicate that during a call on September 11, 2016, [redacted] communicated that he did not want any further contact from Midland CreditThe representative marked the account accordingly at that time and no additional attempts have been made to contact [redacted] per his requestThe 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 In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction [redacted] account has been referred to Account Manager [redacted] ***Please have [redacted] call [redacted] at [redacted] ext [redacted] to assist him in reaching a resolution of the account balance Please note that Midland Credit recently updated its policy regarding paid trade lines where the date of delinquency is over two years oldOnce the account balance has been resolved, Midland Credit will request deletion of the collection trade line from the three major credit reporting agencies by the next reporting cycleAt this time, [redacted] account qualifies for the collection trade line to be deleted under this policy should he choose to resolve the account Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] ext [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] [redacted]

May 6, 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 April 22, Midland Credit appreciates the opportunity to answer your questions Please note that Midland Credit provided all of the account identifying information in its previous letter response to your office dated April 20, [redacted] states that she has reviewed Midland Credit’s response to her initial complaint [redacted] advised that Midland Credit’s actions would not resolve her complaintHowever, in review of [redacted] ’s recently received complaint, she did not provide any details regarding why she was not satisfied with Midland Credit’s resolutionWithout [redacted] providing further details regarding the reason of her continued dispute, Midland Credit stands by its previous response Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear [redacted] Thank you for your letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received September 22, 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 18, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on September 20, 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 February 26, The balance at the time of purchase was $1, [redacted] expresses a concern that he was not aware of this debt and demands Midland Credit provide validation On March 30, 2014, Midland Credit mailed [redacted] a validation letter, which informed him that Midland Funding had acquired the account, and of his 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 his 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 Midland Credit received the first notice of a possible dispute from the credit reporting agencies on or about August 14, Verification information provided by the seller was mailed to [redacted] in response to his dispute on September 2, A copy of the verification information provided by the seller is enclosed 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 Please assure [redacted] that Midland Credit is a reputable firm, and that it is a member of the Revdex.com of San Diego With numerous scams noted in the media, it can be confusing for a consumer to discern which companies are operating within the law If [redacted] is ready to resolve the above-referenced debt, [redacted] may qualify for a reduction in his account balance Please have [redacted] call Account Manager [redacted] at [redacted] to assist him in reaching a resolution of the account balance 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 have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below [redacted] Thank you for the responseI know it has been sometime and I'm sure that Midland is very busyHowever in the mean time I did some investigation myself including calling [redacted] directlyI spoke with [redacted] in the executive departmentWe spent about 30-minutes going over the information because I was concerned that this was a [redacted] account and [redacted] was reporting it incorrectly and now it appeared that somehow midland became the original account holder and not [redacted] ***I also expressed my concern on how this account was reporting She was very knowledgeable about the credit reporting agencies as she had previously been employed working for the credit reporting agencies before working for [redacted] So her knowledge was very reassuring and what she was talking about was factualShe took the time to actually go through my credit report line by lineI hadn't heard from midland through the Revdex.com, my disputes go unheard and also anything I send in the UPSP so I figured my best coarse of action was to speak with the company that had a direct relationship with midland She has basically told me the same thing my credit union is telling me when I refinanced my truckAlthough I did get the loan it still was brought up that this should be correctedI will list what each individual account has [redacted] Terms monthstatusPaid, was a collection account, insurance claim or government claim or was terminated for default (on this you stated you only report is as “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.” It has me as a late on July 2015you state Midland Credit does not furnish information that accounts are “days or payments past due” [redacted] is showing Midland as the original lenderThis is on any report pulledwith a payment status of unknownthere has been no data provided to show paid/charged off/settle for less, no balance nothing, just shows the original amount [redacted] Only shows only [redacted] , we ( [redacted] and I) with the amounts and the acct number we figured it belonged to Midland but I have [redacted] on my credit report[redacted] was also nice enough to call midland on my behalf upon doing so she discover that I had in fact set this up as a PFD During the phone conversation, [redacted] stated contact would be made with Midland Credit Management to communicate my concerns regarding the "payment for deletion" that was agreed to when I paid Midland Credit Management in full This phone conversation took place on October 27thI know there was a call placed to your office from [redacted] I did let them know I would follow up with them regarding the issue as they have really gone above and beyond for me with thisGreat customer service, again I want to thank you for the responseI'm sure we can have a resolution in this matter where [redacted] , Midland and I all come out as satisfied in this matterAs far as talking to the credit reporting agencies about the Nomenclature that you have to use (yes I had to actually google that lol) I have been fighting with them tooth and nail to correct it but they just come back as verifiedI just know this is becoming time consuming so I just want to get this put behind me after its doneI also don't want to come across as passing the blame as its [redacted] fault, it's midland fault, or the credit reporting agencies faultI would just like it deleted seeing as no one can get it corrected or to status it correctlyA collection WITH a late dings my fico scoreI was also questioned about the one not showing a paid or balancebut the credit union was able to pull up the cancelled checkCredit unions are more likely to do a manual review of a credit report where as some other companies don't so it looks like that missed payment and balance is still sitting out there when I actuality it isn't gain [redacted] thank you for you time again I know midland is a very busy company and if I don't hear back before the holiday, Happy holidays t you and yours 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 never received a validation of debt -- I got a billI have researched this "company" and they make a practice of holding peoples credit reports hostage in order to extort paymentIf this is not deleted from my bureaus, I will file a complaint with the [redacted] attorney general, FTC, and even file a civil complaint for violation for the FCRA -- Regards, [redacted]

Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received January 8, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of an account belonging to another consumer During a search for the correct consumer, [redacted] phone number was provided to Midland Credit representatives by a third party In reliance on that information, Midland Credit attempted to contact the consumer regarding the referenced account Please note, Midland Credit had no information that it was contacting a wrong number for the consumer until receipt of the complaint through your office [redacted] phone number [redacted] has been marked “Do Not Call” in Midland Credit’s computer system for the referenced account [redacted] will no longer receive calls at that number from Midland Credit representatives regarding the referenced account Please note that Midland Credit does not have phone number [redacted] in its system [redacted] ’s phone numbers have been added to an exclusion list to prevent them from being called in the future regarding the referenced account Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

Dear Ms***: Thank you for your letter inquiry regarding Ms [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received June 9, 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 25, Information provided by the seller, [redacted] , ***, at the time of acquisition indicates this account was originated on January 3, as a [redacted] ***residential telephone account number ending in ***, in the name of [redacted] Subsequently, the account was charged-off as an unpaid delinquent-debt on February 4, The balance at the time of purchase was $ Ms [redacted] requests Midland Credit delete this account from her credit report Please note that Midland Credit stopped credit reporting this account in May If Ms [redacted] still believes that Midland Credit is reporting its tradeline on her credit report, she is encouraged to call Midland Credit’s Consumer Support Services team at [redacted] ext*** Ms [redacted] writes that she disputes and requests validation of her account On May 3, 2013, Midland Credit mailed Ms [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”) The letter 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 Ms [redacted] in response to the letter In fact, no correspondence was received directly from Ms [redacted] prior to the complaint filed through your office, which cannot be considered timely The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 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 Ms [redacted] and collect the debt If Ms [redacted] is ready to resolve the above-referenced debt, Ms [redacted] may qualify for a reduction in her account balance Please have Ms [redacted] call Account Manager [redacted] at [redacted] ext [redacted] to assist her in reaching a resolution of the account balance In the meantime, per Ms [redacted] ’s request for all communication to be in writing, the above-referenced account has been marked “Direct Mail Only.” Ms [redacted] will no longer receive phone calls from Midland Credit representatives and all correspondence will be sent via the United States Postal Service Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to Ms [redacted] ’s Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team 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 August 16, 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 questionsMs [redacted] filed a similar complaint through your office on May 11, 2017, with complaint number [redacted] Given that Midland Credit’s response to the current complaint from your office would be the same as the response which Midland Credit previously provided to the your office via e-mail on May 23, 2017, a copy of that response is enclosedMidland 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 questionsSincerely,Midland Credit Management, Inc [redacted] ***Division Manager, Consumer Support Services*** ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I sent my responseI did not receive any merchandise and want this closed and off my credit reportMIDLAND continues to send letters to my house saying if I don't respond in days that the debt is owedI responded the first time I recived the letter.I did not reconvenient any merchandise I am not liable for thisPlease close this and take it off my credit report so they stop harassing me for something I don't owe 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,According to the information given to us by your firm, the date of last activity by the original creditor was 7/ The State of Limitations on this alleged debt, even should it be ours, is years in the state of CaliforniaSince the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt.I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act (FDCPA)However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureausThe exact statute:[USC 1692e](2) The representation of --(A) the legal status of the alleged debtand(B) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPAHowever, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation.Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities.Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general's officeIn addition, I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agenciesUnder the FCRA and the FDCPA, each violation is subject to a $1,fine, payable to me 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 An account was placed under my name erroneouslySince then, Midland Credit Management, Inc has damaged my name, and my credit Midland Credit Management, Inc has entered derogatory information into my credit filethe account was purchased by Midland Credit Management, Inc from [redacted] and the [redacted] has concluded the account was open unauthorized, but Midland Credit Management increfuse to remove account from file or forward backPlease view attached document from [redacted] ***This is an Unauthorized accountThe account was open without my knowledgePlease completely remove from my credit file with all 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 November 9, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is 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] then sold the account to [redacted] subsequently sold the account to Midland Funding, on or about November 25, Information provided by the seller, ***, at the time of acquisition indicates this account was originated June 15, as a [redacted] credit card 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 23, The balance at the time of purchase was $ Final payment on the account was received by Midland Credit on December 17, [redacted] has no further financial obligation for this account [redacted] states that she has contacted Midland Credit several times via telephone and has been advised each time that the responsible department was unavailable A review of Midland Credit’s business records indicate that a call was received on November 3, 2016, and [redacted] was advised that the appropriate department was unavailable and asked to call back at a later time Midland Credit’s business records also indicate that an inquiry was received from [redacted] on or about November 6, 2016, via email, wherein a copy of the Satisfaction of Judgment was requested At that time, [redacted] request was forwarded to the appropriate department for processing [redacted] also expresses a concern that she satisfied the judgment, yet it is still appearing on her credit report Additionally, [redacted] requests that the account be removed from her consumer credit file as it has been paid A review of Midland Credit’s business records indicates that on June 28, 2009, this account was placed with [redacted] advised that the Satisfaction of Judgment was filed in December of and, at that time, a copy was sent to [redacted] *** A copy of the Satisfaction of Judgment and the requested payment history are enclosed for [redacted] records Once the balance was resolved, the three major credit reporting agencies were appropriately notified to update the collection tradeline as “Account paid in full, was a collection account.” At that time, Midland Credit was furnishing accurate information to the three major credit reporting agencies regarding the paid status of [redacted] account The three major credit reporting agencies were previously notified to remove the collection tradeline In order to ensure that the tradeline has been removed, the three credit reporting agencies have again been notified to delete Midland Funding’s reference to the collection account in question from [redacted] consumer credit files A copy of this notification is enclosed for her records Please note, Midland Credit is not reporting the judgment to the credit bureaus The credit bureaus conduct periodic public records searches and report judgments based on those records If the credit bureaus are still reporting the judgment, [redacted] is encouraged to dispute the reporting with the credit bureaus so that they can check the public records and update it as satisfied [redacted] continues to have no further financial obligation for this account Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure