Getting Calls From 623-462-7106? Here's What to Do

You might be seeing that phone number because Midland Credit Management keeps calling you, so we are going to dive into that today.

Midland Credit Management’s phone number is 623-462-7106. This is just one of their phone numbers; they have a lot of different phone numbers. In fact, this phone number alone has 28,944 calls reported through RoboKiller. This number has been reported to be a severe caller. Through Nomorobo, a lot of people are reporting this phone number.

If you’re getting calls from 623-462-7106, I would venture to say you are getting them repeatedly. People are reporting no voicemails left. I see the same pattern. There are lots of complaints saying they do not owe the debt. Let’s go into who Midland Credit Management is and see if we can dig in there and figure out some stuff.

Who is Midland Credit Management?

Midland Credit Management is a debt buyer. They purchase charged-off consumer debt from the original creditor. Their parent company is Encore Capital Group. It is headquartered in San Diego, California. The approximate company size is over 4,000 employees at Midland Credit Management. The parent company, Encore, has over 7,350 employees globally. They reported $1.316 billion in revenue in 2024.

They primarily collect on unsecured consumer credit card debt, personal loans, auto loan deficiencies, telecom debt, and utility debt. They operate in all 50 states in the United States as well as Puerto Rico. They also have offices in Costa Rica and India. Midland Credit Management has an A+ rating through the Better Business Bureau, though they are not accredited. They have a customer review score of 1.04 out of 5 stars.

Here’s a company that has a history of violating the TCPA or the Telephone Consumer Protection Act. In 2016, they settled a multidistrict TCPA class action for $20.5 million. Consumers alleged that Midland placed unauthorized robocalls to cell phones without prior consent.

There were over 6.27 million notices mailed to potential class members. They’ve also been sued by the CFPB in 2015 and 2020 for violations including misleading consumers into consenting to receive auto-dialed calls.

In the 2015 consent order alone, the results were up to $42 million in consumer refunds, a $10 million civil penalty, and over $125 million in debt collections that they had to cease. So, if you’re getting these calls from this phone number, you’re dealing with a company that the regulators have found to have crossed the line.

Why is Midland Credit Management Calling Me?

They Buy Debt for Pennies on the Dollar

They do not originate loans. They do not extend credit. Midland Credit Management purchases portfolios of delinquent consumer debt from banks and credit card issuers at roughly three cents per dollar of face value. That means they pay roughly $0.03 per dollar of the face value. If you have a $5,000 credit card balance, they might pay around $150 for it.

Then they attempt to collect the full original balance plus any fees or interest. The original creditor has already written this debt off and been paid out by Midland. Every single dollar that Midland collects from you is 100% profit on that investment. This is why they are so persistent.

What Types of Debt Does MCM Chase?

The bulk of Midland Credit Management’s business is unsecured credit card debt from major issuers like Chase, Capital One, Citibank, Synchrony Bank, Comenity Bank, and Discover. They also collect auto loan deficiency balances. That occurs when a repossessed vehicle is sold for less than the balance remaining on the loan.

They also acquire telecom debt from wireless and cable providers, personal loan defaults, and utility account balances. They really do not collect on medical debt, student loans, or mortgages. If Midland is calling you, the debt they claim you owe probably originated with a credit card company or another lender whose account you may or may not recognize.

What Consumers Are Saying About Calls from 623-462-7106

Persistent Calls With No Voicemails and No Identification

The thing that I’m seeing most commonly across these complaint platforms is people saying there are tons of calls with no voicemails left. I have one consumer here saying, “This number keeps calling me, but never leaves a voicemail. My phone flags this number as SPAM.” Another says, “Comes up as Account Services. Leaves no voice mail. Just annoying.”

There’s an issue here that they are not leaving any messages to identify who’s calling. They’re saying “Account Services” on the caller ID, but not Midland Credit Management. Under the FDCPA, collectors are required to identify themselves in communications with consumers. There may be a potential issue here where they are not meeting that requirement.

There are lots of consumers on RoboKiller saying the same thing. They are also saying that the company is rotating phone numbers to avoid getting blocked. One says, “Annoying! Constantly changing numbers to avoid getting blocked.”

Here’s another one from a consumer on 800notes. They’re saying, “This company is a fraudulent debt collection company...they don’t do their due diligence in researching debt all they do is look up a name and when they get a name match they start calling... I CHECK MY WHOLE CREDIT REPORT 2 TIMES A YEAR AND HAVE NO OUTSTANDING DEBTS YET THIS COMPANY KEEPS CALLING.”

There’s another one here from a consumer on CallFilter.app. They are saying, “Debt collector Midland Credit Management. They have been calling for over 10 years, but I have yet to receive a letter. Plus, I have what is called a ‘sparkling’ credit rating and no debit collection on my report. Why are they calling me? I REFUSE to get involved with this company and get caught in their web.”

I see this over and over again where people are saying they do not owe this debt. The company is calling them anyway. This is the same pattern that we’ve seen from the CFPB’s enforcement actions against Midland where they’re collecting on debts that are unsubstantiated or not accurate.

How to Protect Yourself from Midland Credit Management

Your Free Credit Reports Are an Intelligence-Gathering Tool

Before you do anything else, I want you to pull your free credit reports from all three bureaus. You can do that through AnnualCreditReport.com.

I want you to do that for a couple of reasons. This is not just a consumer right; this is essential reconnaissance. Your credit reports are going to tell you whether or not Midland Credit Management has placed a collection tradeline on your credit report. They’re going to tell you what the balance is that they say you owe. They’re going to tell you who the original creditor is.

If Midland Credit Management is not on your credit report, that’s important information as well. That may mean that they have not yet reported the account. It may mean that Midland Credit Management is contacting the wrong person altogether. Either way, you need to know what your credit reports say before you do anything else.

Send a Debt Validation Request and Put MCM on the Defensive

Under the FDCPA, you have the right to request written validation of any debt a collector claims you owe. This is not a passive consumer protection. This is an offensive move. A debt validation letter is going to force Midland to produce documentation that proves that the debt is yours, that the balance is accurate, and that they have the legal right to collect.

Debt buyers like Midland Credit Management, they buy these accounts in huge portfolios. The documentation that comes with those purchases is often incomplete. When consumers challenge the validity of the debt, the collectors frequently cannot produce the original signed agreement, the complete payment history, or the chain of ownership.

Every single validation request is going to cost Midland time and money that they’d rather not spend. Never call them to discuss it. Put it all in writing and send it via certified mail with return receipt.

Why Your Credit Report is the Real Battleground

Credit Score Damage is the Primary Threat

The real danger from Midland Credit Management is not a lawsuit. It’s not a threatening phone call. It’s the damage that a collection tradeline can do to your credit score. A single collection account can drop your credit score by 100 points or more. That’s going to affect your ability to qualify for mortgages, auto loans, credit cards, rental applications, even employment.

This is why disputing inaccurate or unverifiable collection accounts through the credit bureaus is the most powerful move available to consumers. Under the FCRA, the credit bureaus have to investigate your dispute and remove any tradeline that the furnisher cannot verify.

If Midland cannot substantiate the account, the credit bureaus are required to delete it from your credit report. Removal of an inaccurate collection tradeline may positively impact your credit profile.

MCM Will Not Spend More Than the Debt is Worth

Collection agencies operate on a cost-benefit basis. They do not want to spend money on legal action. They do not want to spend money on documentation. They do not want to spend money responding to consumer disputes. Midland paid roughly three cents on the dollar for your alleged debt. Every single hour they spend defending that claim eats into their margin.

This is why written communication is so important. Verbal promises from collectors are unreliable at best and deliberately misleading at worst. If a collector offers you any kind of agreement, demand it in writing before you take any action. Collectors who are unwilling to put the terms on paper are telling you everything you need to know about the value of their word.

Conclusion

Stop Answering and Start Disputing

Answering calls from 623-462-7106 is not going to resolve your situation. Midland Credit Management is a billion-dollar debt buying operation backed by a publicly traded parent company with a documented history of regulatory violations tied directly to their calling and collection practices. The phone calls are designed to pressure you into paying a debt that may not even be yours.

The path forward is not through their phone lines. Pull your credit reports. Identify whether or not Midland Credit Management has placed a tradeline on your credit report. If they have, challenge it through the proper dispute channels. A collection account that cannot be verified has to be removed from your credit report under federal law.

Let FightCollections.com Fight Back on Your Behalf

FightCollections.com specializes in disputing erroneous collection accounts on consumers’ credit reports. If Midland Credit Management has placed an inaccurate or unverifiable tradeline on your credit report, our team can help you build a dispute strategy designed to challenge MCM’s ability to substantiate their claims.