Who Called From 312-423-7396?
Short answer: 312-423-7396 is a number used by Harris & Harris Ltd Ohio (Harris Harris Ohio), a third-party collection agency based in Chicago, IL — nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2092850-dca on file, address of record in chicago, il. They are almost certainly trying to collect a debt, most often government receivables. You are not required to answer or say anything — and you have the right to demand written proof before you pay a cent.
Whose Number Is 312-423-7396?
The number 312-423-7396 is used by Harris & Harris Ltd Ohio (nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2092850-dca on file, address of record in chicago, il), a third-party collection agency in Chicago, IL. For the full company profile — ownership, history, and known aliases — see our complete Harris & Harris Ltd Ohio guide. This page focuses on the calls coming from 312-423-7396 specifically.
About this specific number
- 📞 Number: 312-423-7396 (area code 312, ending in 7396)
- 📍 Line type: Direct-dial — resolves to the 312 area code.
- 🏢 Operator: Harris & Harris Ltd Ohio, a third-party collection agency in Chicago, IL.
- 🔢 Related lines: Harris & Harris Ltd Ohio is documented using 1 number in our directory, so calls may also come from other digits.
312-423-7396 is a direct-dial number tied to the 312 area code, which is why the call may have appeared "local" on your caller ID even though Harris & Harris Ltd Ohio operates out of Chicago, IL.
Some carriers display 312-423-7396 under a spoofed or neighboring city name. Do not trust the on-screen label — trust the written validation you request from Harris & Harris Ltd Ohio.
On your caller ID, in voicemails, or in letters, this company can also appear as: Harris Harris Ohio, H&H Ohio, Harris Harris Ltd.
Why Is Harris Harris Ohio Calling Me From 312-423-7396?
In our directory, 312-423-7396 is tracked as a nyc department of consumer affairs (predecessor to dcwp) debt-collection license 2092850-dca on file, address of record in chicago, il for Harris & Harris Ltd Ohio, which typically collects government receivables, utility debt, toll violations. A call from 312-423-7396 usually happens because:
- ✅ An original account (a government receivables, for example) went unpaid and was charged off by the creditor.
- ✅ The account was placed with Harris & Harris Ltd Ohio to collect on behalf of the original creditor.
- ✅ Harris & Harris Ltd Ohio is now dialing you from 312-423-7396 and possibly other lines to reach a resolution.
Calls from 312-423-7396 often come right after a billing cycle closes. Some people report that 312-423-7396 calls once and hangs up, then tries again from a different Harris & Harris Ltd Ohio line hours later. A single missed call is not proof of a valid debt. When 312-423-7396 shows up on your caller ID, it is worth checking whether the Harris & Harris Ltd Ohio account also appears on your credit report. A phantom call with no tradeline may signal an unvalidated or misrouted debt. Bottom line — make Harris & Harris Ltd Ohio prove the government receivables in writing first.
Important: a phone call — even from a real number like 312-423-7396 — does not prove you owe the debt, that the amount is correct, or that Harris & Harris Ltd Ohio can legally collect it. That is exactly why your validation rights matter.
What NOT to Say If You Answer 312-423-7396
Anything you say to Harris Harris Ohio can be used to collect. Protect yourself — avoid these common mistakes on the call.
Don't admit the debt is yours
When 312-423-7396 calls, saying "yes, that's mine" or apologizing can be treated as acknowledging the debt — which may reset the statute of limitations. Neither confirm nor deny until you've seen written validation from Harris & Harris Ltd Ohio.
Don't agree to a payment on the spot
A single payment to Harris & Harris Ltd Ohio — even a small "good-faith" one — can restart the clock on an old debt and make it collectable again. Never authorize a payment over a call from 312-423-7396.
Don't give bank or card details
Do not read out your bank account, debit, or credit card number to anyone calling from 312-423-7396. Any legitimate Harris & Harris Ltd Ohio resolution can be handled in writing after validation.
Don't confirm personal information
Avoid confirming your SSN, date of birth, employer, or address to the 312-423-7396 caller. If it truly is your Harris & Harris Ltd Ohio account, they should already have what they need and must prove it.
What To Do If 312-423-7396 Keeps Calling
Here are concrete next steps for this specific Harris & Harris Ltd Ohio line. Work through them in order — each one strengthens your position before you ever discuss the debt.
- 1
Save 312-423-7396 as a contact labeled "Harris & Harris Ltd Ohio — do not answer" so you can screen future calls with confidence.
- 2
Do not return the call to 312-423-7396 until you have the account details in writing — a call-back can be treated as engagement.
- 3
Ask, in writing, that Harris & Harris Ltd Ohio identify the original creditor behind the 312-423-7396 calls and the date the debt was opened.
Your Rights When Harris Harris Ohio Calls From 312-423-7396
The Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) give you real leverage. Here is the debt-validation playbook we use at Crowned Credit.
1. Demand Debt Validation (FDCPA §809)
Within 30 days of first contact, send Harris Harris Ohio a written debt-validation letter. They must prove the debt is yours, the amount is right, and they have the legal authority to collect — or stop collecting.
2. Dispute With the Bureaus (FCRA §611)
If Harris & Harris Ltd Ohio reported a tradeline, dispute it with Equifax, Experian, and TransUnion. They have 30 days to investigate; unverifiable items must be corrected or deleted.
3. Log the Calls
Write down every call from 312-423-7396: date, time, and what was said. Repeated calls, calls at odd hours, or threats can be FDCPA violations — and leverage for you.
4. Send a Cease-and-Desist
You can demand in writing that Harris & Harris Ltd Ohio stop calling you entirely. The calls must stop, even though they may still report or pursue other legal steps.
5. Check the Statute of Limitations
Every state limits how long a collector can sue on a debt. If the debt is time-barred, Harris Harris Ohio generally cannot win a lawsuit — and a payment could dangerously restart that clock.
6. Know the Anti-Harassment Rules
The FDCPA bars Harris Harris Ohio from calling before 8am or after 9pm, threatening you, or lying about the debt. Each violation may entitle you to statutory damages.
How Crowned Credit Helps With Calls From 312-423-7396
We investigate the specific Harris & Harris Ltd Ohio account behind the calls, assert every applicable right, and work it with all three bureaus and the collector directly — no cookie-cutter form letters.
Review & Validate
We pull all three bureau reports, find every error tied to the Harris Harris Ohio account, and demand full debt validation.
Dispute & Escalate
Hand-packed disputes go to the bureaus and to Harris & Harris Ltd Ohio. When they fail to investigate properly, we escalate to the CFPB and, where warranted, attorneys.
Track & Build
We monitor the outcome and coach you on rebuilding once inaccurate items are addressed. Results vary by profile.
Or call us directly at 336-310-0090. Results vary based on your individual credit profile.
312-423-7396 — Frequently Asked Questions
Who is calling me from 312-423-7396?
312-423-7396 is a direct-dial line associated with Harris & Harris Ltd Ohio (also seen as Harris Harris Ohio), a third-party collection agency headquartered in Chicago, IL. The number resolves to the 312 area code. If you received a call from 312-423-7396 — often showing the last four digits 7396 on your screen — it is very likely Harris & Harris Ltd Ohio attempting to reach you about a debt they say you owe, most often government receivables, utility debt, toll violations.
Is 312-423-7396 a scam number?
Harris & Harris Ltd Ohio is a real, registered company, and 312-423-7396 is a documented line tied to it. That said, scammers do "spoof" the caller ID of well-known collectors like Harris Harris Ohio, so the number showing on your screen is not proof of anything. Never give payment or personal information based on a phone call alone. Ask for the caller's name, company, and a written validation notice before you discuss any debt.
Do I have to answer or call back 312-423-7396?
You are not legally required to answer 312-423-7396 or call Harris & Harris Ltd Ohio back. In fact, it is usually smarter to say nothing on the phone and instead demand everything in writing. Under the FDCPA, once you send a written debt-validation request, Harris & Harris Ltd Ohio must pause collection until it mails you proof of the debt.
Why is Harris & Harris Ltd Ohio calling me about government receivables?
A call from 312-423-7396 usually means an original government receivables went unpaid and was placed with Harris & Harris Ltd Ohio, which dials this line to collect on the original creditor's behalf. The account may have aged or changed hands more than once, so demand the full paper trail before you accept the balance as accurate.
Can I stop Harris & Harris Ltd Ohio from calling 312-423-7396?
Yes. The FDCPA lets you send a written cease-and-desist demand telling Harris & Harris Ltd Ohio to stop contacting you by phone. They can still report to the bureaus or pursue other legal steps, but the calls from 312-423-7396 and any related lines must stop. This is a useful way to end harassment while you build your dispute.
Should I pay the debt Harris & Harris Ltd Ohio is calling about?
Do not pay anything based on a call from 312-423-7396 until the debt is validated. Once you confirm the debt is yours, accurate, and still within your state's statute of limitations, you can consider a written pay-for-delete arrangement. Paying an unverified or time-barred debt can restart the clock and lock in a negative mark. Get a free assessment first.
More About Harris & Harris Ltd Ohio
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