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 I have repeatedly asked for the itemized balance, interest and any charges from the inception of the credit card, so far, the statements that were sent began on June 26, to July 25, with a beginning balance of $715.95, the balance is incorrect and I do not owe and I need Midland to verify the balance not send me a statement that has a balance and expect me to accept that I owe $but reflect all activities, based on the Fair Credit Reporting Act I am due accurate information I would like to resolve this issue as soon as possible but I feel Midland has the wrong information and it could be easily settled if they supply the accurate information Regards, [redacted] ***

*** [redacted] [redacted] *** [redacted] Dear Revdex.com: Thank you for your letter inquiry regarding Mr [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received August 3, 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 Mr [redacted] expresses a concern that his requests for validation have been ignored On May 9, 2014, 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”) 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 correspondence disputing the debt or requesting validation from Mr [redacted] in response to the letter A review of Midland Credit’s business records indicates that it received the first notice of dispute through a credit reporting agency on June 6, Although verification information provided by the seller was mailed to Mr [redacted] in response to his dispute on June 28, 2017, a copy of that documentation is again enclosed for his records Please note that the verification information provided by the seller meets the requirements of the 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 Mr [redacted] also writes that there is no signed contract with Midland Funding or its servicer, Midland Credit Consumers are sometimes unclear as to what the term “charge off” means for a debt When a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books Often, they then sell the debt Please note that the underlying promissory obligation remains valid, due and owing Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account The above-referenced account remains collectible, due and owing to Midland Credit as servicer for Midland Funding If Mr [redacted] is ready to resolve this debt, he may qualify for a reduction in his account balance Please have Mr [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 Mr [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 [redacted] Enclosure

April 12, 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 follletter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 29, 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 March 1, [redacted] continues to request a copy of her signature As indicated in Midland Credit’s previous responses, the verification information provided by the seller meets the requirements of the Fair Debt Collection Practices Act (“FDCPA”) The original contract, complete payment history, and a full set of billing statements are not required under the FDCPA [redacted] also expresses a concern that Midland Credit is now sending mail to her parent’s address However, [redacted] did not provide the address belonging to her parents Additionally, the last letter mailed to [redacted] , was sent to the address listed on the first complaint received through your office If [redacted] would like to confirm that her parent’s address is no longer associated with the above-referenced account, she may contact 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] ***

October 17, 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 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 January 25, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on June 16, 2003, as a [redacted] account number ending in***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on December 22, The balance at the time of purchase was $2, Final payment on the account was received by Midland Credit on February 28, [redacted] has no further financial obligation for this account [redacted] states that after she paid the account, the collection tradeline was removed from her credit report and was reinstated in June Midland Credit acted in a timely manner and has complied with all applicable laws Upon resolution of the account balance, Midland Credit appropriately notified the credit reporting agencies to reflect the paid status of the debt No further updates were made to the information being furnished to the credit reporting agencies after the last update sent in June of to again reflect the account was paid Please note, Midland Credit has no control over the manner in which each credit reporting agency decides to display information that was furnished With that said, Midland Credit recently updated its credit reporting policy to remove paid tradelines after two years from the date of delinquency As such, the three credit-reporting agencies were notified to remove reference of this account from [redacted] consumer credit files on or about October 8, 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 Mr [redacted] ’ complaint, which Midland Credit Management, Inc(“Midland Credit”) received June 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 April 21, Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on February 27, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on March 5, The balance at the time of purchase was $1, Mr [redacted] expresses a concern that Midland Credit is calling him on an account that he states has previously been closed and that his validation requests have been ignored On May 29, 2015, Midland Credit mailed Mr [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 Mr [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 Mr [redacted] in response to the letter 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 Mr [redacted] and collect the debt A copy of the verification information provided by the seller is enclosed for Mr [redacted] ’ records Consumers are often unclear as to what the term “charge-off” means for a debt When a creditor "charges-off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books Often, they then sell the debt to a collection agency Please note that the underlying promissory obligation remains valid, due and owing Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account The above-referenced account remains collectible, due and owing to Midland Credit If Mr [redacted] still has reason to believe that this account was previously resolved, he can contact us online at [redacted] , where he can email questions to a [redacted] (***) specialist, find the answers to frequently asked questions, and upload documents to support his/her request Uploaded documents are automatically sent to a [redacted] specialist, who will investigate the consumer’s question and mail back a response Or Mr [redacted] may forward appropriate documentation to [redacted] using the contact information on this letterhead Mr [redacted] also states that he has never given out his cell phone number Please note that to ensure that it has the most up to date consumer information, Midland Credit relies on consumer data provided by third-party vendors After reviewing the account, it appears that a third party vendor provided Mr [redacted] ’s cell phone number Relying on that information, Midland Credit updated its records and attempted to contact Mr [redacted] using that phone number Mr [redacted] also states that when Midland Credit contacted him, the caller would not let him talk and states the caller kept bothering him Midland Credit reviewed its records made to the cell phone number that was provided within the complaint After a review of Midland Credit’s business records, it does not appear that anyone answered the calls made to that number If Midland Credit has called Mr [redacted] at a different number or he believes that he did in fact speak to a Midland Credit representative, please call Midland Credit’s Consumer Support Services team at [redacted] ext [redacted] to provide additional information to assist in the investigation Midland Credit sincerely apologizes for any inconvenience this has caused Mr [redacted] The above-referenced account has been marked “Direct Mail Only.” While it remains due and owing, Mr [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 Mr [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at 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

July 23, 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 July 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 September 25, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on September 4, 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 18, The balance at the time of purchase was $ [redacted] expresses a concern that her validation requests have been ignored Midland Credit sent her a validation letter on October 6, In the letter, Midland Credit informed her that Midland Funding had acquired the account, and provided the required disclosure of rights set forth in the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) Please note that the letter was mailed to [redacted] at the same address listed within her complaint, and was not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” U.S.C§ 1692g(a)(3) Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debt 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 An additional copy of the verification information provided by the seller is enclosed 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) Based on the information provided by the seller, Midland Credit continues to assert that its credit file and credit reporting of the above-referenced account is accurate Midland Credit will be closing its investigation of [redacted] dispute and will be resuming regular collection activities as allowed by the Texas Finance Code and/or the Fair Credit Reporting Act If [redacted] is ready to resolve this debt, she may qualify for a reduction in her account balance Please have her call Midland Credit Account Manager [redacted] at [redacted] to assist her in reaching a resolution of the account balance In the meantime, per [redacted] previous request, the above-referenced account will remain marked “Cease and Desist.” While it remains due and owing, [redacted] will continue to not receive correspondence or calls from Midland Credit representatives unless a response is required by law Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] Enclosure

July 10, VIA E-Mail [redacted] Revdex.com of San Diego Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM #: [redacted] MCM #: [redacted] Original Creditor: [redacted] Original Creditor: [redacted] ***, N.A Original Account #: [redacted] [redacted] Dear Ms [redacted] Thank you for your letter inquiry regarding Mr [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received June 30, Midland Credit is the servicer of the above-referenced accounts on behalf of the current owner, Midland Funding, LLC (“Midland Funding”) Midland Credit appreciates the opportunity to answer your questions Mr [redacted] writes that there is no signed contract with Midland Funding or its servicer, Midland Credit When a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books Often, they then sell the debt Please note that the underlying promissory obligation remains valid, due and owing Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account The verification information provided by the sellers is enclosed for Mr [redacted] recordsA review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies for the above-referenced accounts is accurate If Mr [redacted] is ready to resolve the above-referenced debts, Mr [redacted] may qualify for a reduction in his account balances Please have Mr [redacted] call Account Manager [redacted] at (800) 825-ext*** to assist him in reaching a resolution of the account balances 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*** should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] ***, Division Manager, Consumer Support Services AR: kmb Enclosure

Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received March 9, Midland Credit appreciates the opportunity to answer your questions [redacted] filed a similar complaint through the Consumer Financial Protection Bureau (“CFPB”) A copy of Midland Credit’s response to the CFPB is enclosedAn investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on May 30, Information provided by the seller, [redacted] at the time of acquisition indicates this account originated with [redacted] on January 2, 2007, and was subsequently converted to 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 balance at the time of purchase was $6, [redacted] expresses concern that Midland Credit is incorrectly reporting an account on her credit report – namely that the amount is incorrect, and that it is appearing as ‘past due’ and as an installment account Please note that Midland Credit does not provide consumer credit but, rather, is engaged solely in the collection of charged-off debt As such, Midland Credit does not report accounts as installment accounts or as past due 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 For purposes of credit reporting, the term “Open (Portfolio Type)” has the following definition: “Accounts where the entire amount is due upon demand or that have one payment due as scheduled (i.e., Terms Duration = 001).” That indicates that the account is currently open, due and owing in one payment As a debt buyer, Midland Funding has been advised that it should furnish information for its accounts as: current status – collection account; type of account – open; type of loan – debt buyer account; additional information – collection account [redacted] is encouraged to communicate directly with the credit bureaus should she have any further concerns about the nomenclature that Midland Credit is compelled to use In addition, if [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 [redacted] also writes that the account is appearing on her credit report with a higher amount than what was charged off, but that Midland Credit has not provided evidence of why the amount is higher The account was purchased from the seller with all rights, and interest charged by the original creditor is allowable by law Likewise, any interest added by Midland Credit is permissible and was provided for in the contract with the original creditor when the account was purchased This information would also normally be included in the paperwork the consumer receives when the account is initially opened Currently, the balance due is $7,437.71, which is the charge-off balance of $6,and $1,in interest accrued at 12.00% Please note that Midland Credit made the business decision to stop accruing additional interest on the account in December On June 15, 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 A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] on February 8, In response to [redacted] ’s request, verification information provided by the seller was mailed to her on or about February 18, The verification information was also provided to [redacted] in the response to her CFPB complaint on March 10, Copies of these documents are enclosed If [redacted] is ready to resolve this debt, she may qualify for a reduction in her account balance In keeping with Midland Credit’s Consumer-First policy, and to provide the highest level of consumer satisfaction, [redacted] ’s account has been referred to Account Manager [redacted] Please have [redacted] call [redacted] at [redacted] to assist him/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 [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

October 27, 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 October 17, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on July 11, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on February 10, 2009, as an [redacted] account number ending in ***, 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 balance at the time of purchase was $2, [redacted] indicates that the original creditor had determined that the account was fraudulent and had subsequently deleted their trade line from his credit reportPlease note that when Midland Funding purchased the account it was not aware that the account was opened fraudulentlyIn addition, [redacted] states that he mailed letters to Midland Credit disputing the account and had not received a responseMidland Credit does not have a record of receiving written correspondence from [redacted] pertaining to this specific account Upon receipt of the complaint filed through your office, Midland Credit was able to confirm with [redacted] that the account was in fact fraudulentMidland Credit acted in a timely manner and has complied with all applicable laws However, in keeping with its Consumer-First policy, Midland Credit made the business decision to close the account There will be no further collection activity, furnishing of account information to the credit bureaus, or sale of this account In addition, the three credit-reporting agencies have been notified to delete Midland Funding’s reference to the collection account in question from [redacted] ***’s consumer credit files Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [redacted] *** Thank you again for your assistance in this matter Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions Sincerely, Midland Credit Management, Inc [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

November 17, VIA E-Mail [redacted] Revdex.com of San Diego Murphy Canyon, Ste San Diego, CA Re: Consumer complaint of [redacted] Revdex.com# [redacted] MCM# [redacted] , [redacted] , [redacted] , and [redacted] Dear [redacted] ***: Thank you for your letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received November 3, Midland Credit appreciates the opportunity to answer your questions An investigation of this matter indicates that Midland Credit is the servicer of four accounts belonging to [redacted] Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on January 26, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on August 17, 2003, as a [redacted] account number ending in ***, in the name of [redacted] , under the last four of the social security number *** Subsequently, the account was charged-off as an unpaid delinquent-debt on June 30, The balance at the time of purchase was $1, Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on February 27, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account was originated on July 12, 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 March 22, The balance at the time of purchase was $3, Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on October 17, Information provided by the seller, [redacted] , at the time of acquisition indicates this account was originated on September 26, 2006, 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 17, The balance at the time of purchase was $10, Midland Credit became the servicer of account no [redacted] on behalf of purchaser, Midland Funding, on August 13, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on May 19, 2004, 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 April 30, The balance at the time of purchase was $1, [redacted] expresses a concern that the accounts should not be reporting on their consumer credit files With reference to account number [redacted] , on March 11, 2012, Midland Credit mailed the consumer 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 notification of a possible dispute through the credit reporting agencies on March 22, In response to that notification of possible dispute, Midland Credit mailed verification information provided by the seller to [redacted] A copy of that documentation is again enclosed for their records Midland Credit mailed [redacted] separate and unique validation letters for the accounts: on September 26, 2014, for account no [redacted] , on November 26, for account no [redacted] , and on October 1, 2015, for account no [redacted] These letters informed the consumer 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 did not receive any correspondence disputing these debts or requesting validation from [redacted] in response to the letters Upon receipt of [redacted] ’s complaint, Midland Credit acknowledged the consumer’s dispute, annotated the accounts as disputed, and has ceased collection efforts while it is in the process of verifying the debts Once Midland Credit has obtained verification of the debts, copies will be mailed to your office Additionally, Midland Credit will not furnish account information to the three major credit reporting agencies until it is able to provide [redacted] with verification of the debts regarding account nos [redacted] , [redacted] , and [redacted] [redacted] indicates that they have never done business with Midland Credit Consumers are often unclear as to what the term “charge off” means for a debt When a creditor "charges off" an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books Often, they then sell the debt to a collection agency Please note that the underlying promissory obligation remains valid, due and owing Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account [redacted] also indicates that they believe Midland Credit should be reporting as the original creditor Midland Credit is unable to report as the original creditor, and all accounts it reports are reported as collection accounts [redacted] may be seeing accounts reported by the original creditor as well as Midland Credit If [redacted] has concerns regarding the information being reported by the original creditor, they may dispute it directly with the credit reporting agencies [redacted] further writes that they believe that Midland Credit has re-aged the accounts by reporting the dates of purchase as the open dates In accordance with the Credit Reporting Resource Guide produced by the Consumer Data Industry Association, the open dates being furnished on the accounts reflect the “date that the account was purchased by the debt buyer or placed/assigned to the third party collection agency.” [redacted] expresses concern that the accounts will continue to report indefinitely because they believe their purchase has restarted the Federal Reporting period The date of purchase of the accounts does not affect the Federal Reporting period which is calculated based on the date of delinquency with the original creditor A review of Midland Credit’s business records indicates that the seven-year Federal Reporting period will expire in December of for account no [redacted] , in August of for account no [redacted] , in June of for account no [redacted] and in November of for account no [redacted] Please note that the expiration of the Federal Reporting period does not extinguish a debt Rather, it prevents an account’s information from being listed on the consumer’s credit report A review of Midland Credit’s business records indicates that the account information it is furnishing to the three major credit reporting agencies with regard to account no [redacted] is accurate 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 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 4, Midland Credit appreciates the opportunity to answer your questions [redacted] filed similar complaints through the Consumer Financial Protection Bureau (“***”) A copy of Midland Credit’s response to the [redacted] is enclosedAn investigation of this matter indicates that Midland Credit is the servicer of three accounts belonging to [redacted] which have recently been reported to the credit reporting agencies Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on October 22, Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on January 6, 2006, 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 September 12, The balance at the time of purchase was $1, Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on December 9, Information provided by the seller, [redacted] , at the time of acquisition indicates this account was originated on March 21, 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 June 25, The balance at the time of purchase was $2, Midland Credit became the servicer of account no [redacted] , on behalf of purchaser, Midland Funding, on March 28, Information provided by the seller, [redacted] ***., at the time of acquisition indicates this account originated with [redacted] on April 4, 2006, and was subsequently converted to 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 August 31, The balance at the time of purchase was $1, [redacted] expresses a concern that he has contacted Midland Credit several times with regard to the above-referenced accounts appearing on his consumer credit files Midland Credit mailed [redacted] separate and unique validation letters – on October 29, 2010, for account no [redacted] , on December 17, for account no [redacted] , and on April 2, 2012, for account no [redacted] These letters informed him that Midland Funding had acquired the accounts, and of his rights pursuant to the Fair Debt Collection Practices Act, U.S.C§ et seq (“FDCPA”) The letters were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA U.S.C§ Midland Credit’s business records indicate that it did not receive any correspondence disputing the debts or requesting validation from [redacted] in response to the letters A review of Midland Credit’s business records indicates that it received the first correspondence requesting validation from [redacted] for each of the above-referenced accounts on June 19, Based on the information provided by [redacted] and pursuant to the [redacted] Finance Code, Midland Credit responded by sending Mr [redacted] letters in regard to each account on or about July 7, 2015, advising him Midland Credit had determined that its credit file, and the information it is furnishing for the above-referenced accounts, was accurateCopies of the verification information provided by the seller for account nos [redacted] and [redacted] were included with their respective letters, and are again enclosed herePlease note that the verification information provided by the sellers meets the requirements of the FDCPA With regard to account no [redacted] , upon receipt of the complaint filed through the ***, Midland Credit acknowledged [redacted] current dispute, annotated the account as disputed, and has ceased collection efforts while it is in the process of verifying the debtOnce Midland Credit has obtained verification of the debt, a copy will be forwarded to [redacted] through the [redacted] and through your officesAdditionally, Midland Credit will not furnish information for the account to the three major credit reporting agencies until it is able to provide [redacted] with verification of the debt [redacted] indicates that he believes that Midland Credit’s statement in the response to the [redacted] that it was in the process of obtaining verification information from the seller for account no [redacted] is an admission that the information it had been reporting to the credit reporting agencies was inaccurate This is not the case However, Midland Credit is taking additional steps to obtain verification documentation from the seller for [redacted] also requests that all three accounts be removed from his consumer credit files With regard to account nos [redacted] and [redacted] , please note that based on the information provided by the seller, Midland Credit has determined that its credit file and information being furnished for the accounts is accurateMidland 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 As stated above, information for account no [redacted] will not be furnished to the three major credit reporting agencies until it is able to provide [redacted] with verification documentation If [redacted] is ready to resolve the debts, he may qualify for a reduction in his respective account balances for account nos [redacted] and [redacted] Please have [redacted] call Midland Credit Account Manager [redacted] at [redacted] to assist him in reaching a resolution of his respective account balances Per [redacted] previous request for Midland Credit to not contact him, account nos [redacted] and [redacted] will remain marked “Cease and Desist.” While the referenced accounts remain due and owing, [redacted] will continue to not receive contact 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

July 22, 2016 VIA E-Mail [redacted] BBB of San Diego 5050 Murphy Canyon, Ste. 110 San Diego, CA 92123 Re: Consumer complaint of [redacted] BBB#... [redacted] MCM# [redacted] Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received July 13, 2016. Midland Credit appreciates the opportunity to answer your questions. An investigation of this matter indicates that Midland Credit became the servicer of the above-referenced account on behalf of purchaser, Midland Funding LLC (“Midland Funding”), on November 24, 2014. Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on August 21, 2013 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 October 28, 2014. The balance at the time of purchase was $826.96. [redacted] expresses a concern that he is receiving phone calls and letters regarding an account his ex-wife fraudulently opened in his name. On December 5, 2014, Midland Credit mailed [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”). 15 U.S.C. § 1692. In that letter, Midland Credit provided the required disclosure of rights set forth in the FDCPA (15 U.S.C. § 1692). Midland Credit’s business records indicate that it did not receive any written correspondence disputing the debt or requesting validation from [redacted] in response to the letter. In fact, no written correspondence was received directly from [redacted] prior to the complaint filed through your office. In response to [redacted] claim of identity theft, verification information provided by the seller was mailed to him on July 6, 2016. A copy of the verification information is again attached for [redacted] records. In addition, 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] states that Midland Credit requested him to send a copy of his police report, but before he sent it in, he began receiving phone calls from Midland Credit attempting to collect upon the above-referenced debt. [redacted] states that he spoke with a Midland Credit representative at a later date and was advised that it wasn’t necessary for him to send in a copy of his police report and that someone would contact him within 30 days. Midland Credit apologies for any confusion [redacted] has experienced, as a review of Midland Credit’s business records do not indicate [redacted] was advised to not send in supporting documentation. If upon review of the enclosed documentation [redacted] still does not recognize the above-referenced account, Midland Credit stands ready to assist him in clearing his record. Midland Credit respectfully requests that [redacted] provide it with a copy of the police report he references in his inquiry. Or [redacted] may provide an affidavit of fraud showing that he reported the fraudulent activity. Please note that an affidavit of fraud can be found at [redacted] If submitting an affidavit of fraud, [redacted] should complete the form and have the form notarized. [redacted] can contact Midland Credit online at [redacted] where he can email questions to a Consumer Support Services (CSS) specialist, find the answers to frequently asked questions, and upload documents to support his request. Uploaded documents are automatically sent to a CSS specialist, who will investigate the consumer’s question and mail back a response. Or [redacted] may forward appropriate documentation to CSS using the contact information on this letterhead. [redacted] expresses an additional concern that his fiancé has received phone calls from Midland Credit. While [redacted] did not provide his fiancé’s phone number in his inquiry, a review of Midland Credit’s business records indicates that Midland Credit’s representative spoke to someone claiming to be [redacted] ’s fiancé on May 31, 2016. At that time, the phone number provided by her ending in [redacted] was appropriately disabled. However, if he would like to confirm that his fiancé’s phone number has been disabled he may contact Midland Credit using the information below. [redacted] states that during a phone conversation with a Midland Credit representative he asked to be transferred to a domestic representative, but he was not transferred as requested. A review of Midland Credit’s business records indicates that the Midland Credit representative was in the process of transferring [redacted] ’s call, as requested, but the call was disconnected prior to the completion of the transfer. Per [redacted] ’s request to no longer be contacted, the above-referenced account has been marked “Cease and Desist.” While it 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

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 Thank you very much Regards, [redacted] ***

October 21, 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 follletter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc(“Midland Credit”) received October 7, 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, Since that time, the above referenced account has become the subject of ongoing contested civil litigationFor that reason, and given the contested nature of the matter, Midland Credit will be addressing the allegations contained in [redacted] complaint as part of the formal litigation process 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] ***

May 25, 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] ’s complaint, which Midland Credit Management, Inc(“Midland Credit”) received May 11, 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 2, [redacted] states that she never received any correspondence with Midland Credit’s previous response In its previous response, Midland Credit advised that it had acknowledged [redacted] dispute, ceased collection efforts, annotated the account as disputed, and was in the process of verifying the debtPlease note, the investigation of [redacted] ’s dispute is on-going and a conclusion has not yet been reachedA response will be provided upon the conclusion of Midland Credit’s investigation [redacted] also expresses concern that the above referenced account is reporting on her [redacted] credit reportIn its previous response, Midland Credit advised [redacted] that it would not furnish account information to the three major credit reporting agencies until it is able to provide [redacted] with verification of the debtMidland Credit’s business records indicate the trade line was already removedPlease note, Midland Credit submits updates to the credit reporting agencies each month, however, it may take additional time for the credit reporting agencies to update the information that is being provided to them [redacted] is encouraged to communicate directly with the credit reporting agencies should she have any further concerns 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] ***

January 25, 2016 VIA E-Mail [redacted] BBB of San Diego 5050 Murphy Canyon, Ste. 110 San Diego, CA 92123 Re: Consumer complaint of [redacted] BBB# [redacted] MCM# [redacted] Dear [redacted] Thank you for your letter inquiry regarding [redacted] ’s complaint, which Midland Credit Management, Inc. (“Midland Credit”) received January 11, 2016. Midland Credit appreciates the opportunity to answer your questions. Midland Credit provided all of the account identifying information in its previous letter response to your office. A review of the previous response sent indicates the letter had a date of January 4, 2015. Please note there was a typographical error as this response was actually sent on January 4, 2016. [redacted] expresses a concern that a debt collector must send a validation notice to a valid address where the consumer may live, and that Midland Credit intentionally sent the letter to an address where he would not receive it. A review of Midland Credit’s business records indicate that the address to which the validation letter was sent to was provided by the seller. Based on that, Midland Credit attempted to contact [redacted] using that address. Upon receipt of the original complaint through your office, Midland Credit has confirmed its records reflect the address provided by [redacted] in the complaint. [redacted] continues to express a concern that he has not received proof of the validity of the debt. Midland Credit provided account verifying information in its previous response. As mentioned in that response, the original contract, complete payment history, and a full set of billing statements are not required under the FDCPA. [redacted] also states that the documentation previously provided did not show the current business relationship. The validation documentation is once again enclosed, 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 Asset Acceptance, LLC is also 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. 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 There was no such correspondence received by meThe Revdex.com should note that Midland failed to resolve the issue Regards, [redacted] ***

Dear Revdex.com:Thank you for your letter inquiry regarding Ms [redacted] ’s complaint, which Midland [redacted] Management, Inc(“Midland [redacted] ”) received September 6, Midland [redacted] is the servicer of the above-referenced accounts on behalf of the current owner, Midland Funding, LLC (“Midland Funding”) Midland [redacted] appreciates the opportunity to answer your questions.Ms [redacted] expresses a concern that the above-referenced accounts are appearing on her [redacted] report and while she has previously disputed the debts, Midland [redacted] simply responded with a computerized bill Ms [redacted] requests to have the accounts removed from her [redacted] report Please be advised, a review of Midland [redacted] ’s business records indicates that no correspondence has been received directly from Ms [redacted] regarding the referenced accounts prior to the complaint filed through your office With that said, Midland [redacted] began receiving notices of dispute from the [redacted] reporting agencies on November 17, 2016, for each account In response, Midland [redacted] mailed a copy of the verification information provided by the sellers to Ms [redacted] on December 5, 2016, for account no [redacted] , and on December 2, 2016, for account nos [redacted] and [redacted] Midland [redacted] received subsequent notices of dispute from the [redacted] reporting agencies on July 25, 2017, for each of the accounts A copy of the verification information was again mailed to her for each account on August 11, 2017, in response Additionally, Midland [redacted] mailed three separate letters to Ms [redacted] at that time requesting a written explanation and documentation demonstrating any errors in its account informationThe verification information for each of the above-referenced accounts is once again enclosed for Ms [redacted] ’s records Please note that the verification information 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 [redacted] ’s business records indicates that the account information it is furnishing to the three major [redacted] reporting agencies is accurate.If Ms [redacted] is ready to resolve the above-referenced debts, she may qualify for a reduction in her account balances Please have Ms [redacted] call Account Manager [redacted] at (800) 825-ext [redacted] to assist her in reaching a resolution of the account balances.Midland [redacted] considers consumer complaints a serious matter and fully respects consumers’ rights Midland [redacted] apologizes for the inconvenience caused to Ms [redacted] 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] ***Division Manager, Consumer Support Services [redacted] ***Enclosure

August 12, 2015 VIA E-Mail [redacted] BBB of San Diego 5050 Murphy Canyon, Ste. 110 San Diego, CA 92123 Re: Consumer complaint of [redacted] *... [redacted] BBB# [redacted] MCM# [redacted] Dear [redacted] Thank you for your letter inquiry regarding [redacted] complaint, which Midland Credit Management, Inc. (“Midland Credit”) received July 29, 2015. Midland Credit appreciates the opportunity to answer your questions. An investigation of this matter indicates that Midland Credit is the servicer of two accounts belonging to you for which Midland Credit is furnishing account information to the credit bureaus. Midland Credit became the servicer of account no. [redacted] , on behalf of purchaser, Midland Funding, LLC (“Midland Funding”), on May 29, 2012. Information provided by the seller, [redacted] ***, at the time of acquisition indicates this account was originated on August 26, 2009, as a [redacted] account number ending in ***, 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 August 31, 2011. The balance at the time of purchase was $1,879.69. Midland Credit became the servicer of account no. [redacted] , on behalf of purchaser, Midland Funding, on December 27, 2012. Information provided by the seller, [redacted] at the time of acquisition indicates this account was originated on November 25, 2010, as a [redacted] account number ending in ***, 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 29, 2012. The balance at the time of purchase was $565.22. While not the only concern addressed by [redacted] ***, she states that debt collectors have excessively contacted her. Please assure [redacted] that Midland Credit has safeguards in place to ensure that its calls are being placed according to applicable law. A review of Midland Credit’s business records indicates that Midland Credit did not call [redacted] more often than is allowable pursuant to applicable law. [redacted] states that she has tried disputing this matter, yet the accounts remain in collections and on her credit report. Midland Credit mailed [redacted] separate and unique validation letters – on June 16, 2012, for account no. [redacted] , and on January 7, 2013, for account no. [redacted] . These letters informed her that Midland Funding had acquired the accounts, and of her rights pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (“FDCPA”). The letters were not returned as “undeliverable” by the United States Postal Service, satisfying the notification requirements of the FDCPA. 15 U.S.C. § 1692. Midland Credit did not receive any correspondence from [redacted] in response to either letter. The FDCPA specifically states that, unless a consumer provides a debt collector with notice of such a dispute within 30 days of receiving the initial validation letter, “the debt will be assumed to be valid by the debt collector.” 15 U.S.C. § 1692g(a)(3). Because Midland Credit did not receive such a notice at the time, Midland Credit appropriately proceeded with efforts to contact [redacted] and collect the debts. [redacted] also states that the accounts were opened without her consent. Midland Credit stands ready to assist [redacted] in clearing her record if she has been a victim of identity theft or fraud. If such is in fact the case, Midland Credit respectfully requests that [redacted] provide it with a copy of either a police report or affidavit of fraud showing that she reported the fraudulent activity. Please note that an affidavit of fraud can be found at www.ftc.gov/bcp/edu/resources/forms/affidavit.pdf. If submitting an affidavit of fraud, [redacted] should complete the form and have the form notarized. [redacted] can contact Midland Credit online at [redacted] where he/she can email questions to a Consumer Support Services (CSS) specialist, find the answers to frequently asked questions, and upload documents to support his/her request. Uploaded documents are automatically sent to a CSS specialist, who will investigate the consumer’s question and mail back a response. Or [redacted] may forward appropriate documentation to CSS using the contact information on this letterhead. Based on the information provided by the seller, Midland Credit has determined that its credit file and credit reporting for account no. [redacted] is accurate. Midland Credit will be closing its investigation of [redacted] ***’s dispute and will be resuming regular collection activities as allowed by the [redacted] Finance Code and/or the Fair Credit Reporting Act. Midland Credit acted in a timely manner and has complied with all applicable laws. However, in keeping with its Consumer-First policy, Midland Credit made the business decision to close account no. [redacted] . There will be no further collection activity, credit reporting or sale of this account. In addition, the three credit-reporting agencies will be notified to delete Midland Credit’s reference to account no. [redacted] from [redacted] ***’s consumer credit files. If [redacted] now recognizes account no. [redacted] and is ready to resolve the debt, she may qualify for a reduction in her account balance. Please have [redacted] call a Midland Credit account manager at [redacted] to assist her in reaching a resolution of her account balance. Per [redacted] ***’s concern that she has been receiving excessive calls, the above-referenced accounts have been marked “Direct Mail Only.” [redacted] will no longer receive phone calls from Midland Credit representatives and all correspondence will be sent via the United States Postal Service. Midland Credit considers consumer complaints a serious matter, and fully respects consumers’ rights. Midland Credit apologizes for the inconvenience caused to [redacted] ***. Thank you again for your assistance in this matter. Please contact Midland Credit’s Consumer Support Services team at [redacted] should you have any further questions. Sincerely, Midland Credit Management, Inc. [redacted] Corporate Counsel, Legal Affairs & Compliance *Admitted in Colorado; Registered In-House Counsel in California [redacted] ***

May 25, 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 May 11, 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 2, [redacted] expresses a concern that he could not have received letters because Midland Credit had the wrong address Please note, information provided by the seller at the time of purchase by Midland Funding indicates that the current address of [redacted] was [redacted] *** In reliance on that information, Midland Credit attempted to contact [redacted] regarding the referenced account using that address During a call on April 11, 2016, [redacted] advised a Midland Credit representative that the address was not correct [redacted] proceeded to provide the representative with his correct address, which was appropriately updated at that time On April 13, a letter was mailed to [redacted] at the updated address, advising him that the account was being investigated With that said, as indicated in its previous response to your office, Midland Credit acknowledged [redacted] dispute, annotated the account as disputed, and has ceased collection efforts while it is in the process of verifying the debt Once Midland Credit has obtained verification of the debt, a copy will be mailed to your office Additionally, Midland Credit will not furnish account information to the three major credit reporting agencies until it is able to provide [redacted] with verification of the debt Midland Credit considers consumer complaints a serious matter and fully respects consumers’ rights Midland Credit apologizes for the inconvenience caused to [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] ***