Andrew Johnson Bank on Your Credit Report
In short: Headquartered in Greeneville, Tennessee, Andrew Johnson Bank is a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The charter behind FDIC certificate 22015 dates to May 12, 1975. At the 06/30/2026 reporting date the bank showed $612 million in total assets and 8 FDIC-reported offices. Andrew Johnson Bank is the furnisher of record on accounts it originates, so both the §623 route to the bank and the §611 route through the bureaus are available to you. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who Andrew Johnson Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Andrew Johnson Bank carries FDIC certificate 22015, operates 8 FDIC-reported offices and reported $612 million in assets on its most recent call report in Greeneville, Tennessee.
How Andrew Johnson Bank appears on your credit report
Because Andrew Johnson Bank originated the account, the signed application and the full posting history are held by the bank and not by a third party. A §623 direct dispute to Andrew Johnson Bank therefore reaches the people who hold the records, while the parallel §611 dispute puts the bureaus on notice. Across 8 offices in Tennessee, the review is handled in-house. No outcome is promised; the paperwork decides the result.
Names it may report under
Products that commonly show up
- ◆Secured and unsecured installment credit originated by Andrew Johnson Bank in Tennessee
- ◆Home-improvement and second-lien lending booked near Greeneville
- ◆Commercial and owner-occupied real-estate credit held by Andrew Johnson Bank
Grounds to dispute an Andrew Johnson Bank entry
Each of these is a reason an Andrew Johnson Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Payment made at a Greeneville office credited to the wrong Andrew Johnson Bank account number
- ◆Account still reporting open after Andrew Johnson Bank closed it at your request
- ◆First-delinquency date shifted forward on a later Andrew Johnson Bank pull
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
Andrew Johnson Bank is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, Andrew Johnson Bank has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send Andrew Johnson Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Andrew Johnson Bank questions, answered
Does the FDIC insure deposits at Andrew Johnson Bank?
Yes — Andrew Johnson Bank appears in FDIC BankFind under certificate 22015. The record shows a state-chartered bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator based in Greeneville, TN, with a charter dated May 12, 1975, $612 million in assets and 8 offices at the 06/30/2026 call report.
Which regulator oversees Andrew Johnson Bank?
Supervision sits with the FDIC and its state banking regulator. When both the §611 bureau dispute and the §623 direct dispute to Andrew Johnson Bank come back "verified" and your documents say otherwise, the CFPB complaint portal is the next step, and FCRA §§616–617 preserve a private right of action. Send your written record to the Andrew Johnson Bank head office in Greeneville, Tennessee.
How many credit-card complaints does the CFPB show against Andrew Johnson Bank?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Andrew Johnson Bank exactly, and we will not approximate one by partial-name matching — that routinely pulls in unrelated companies with similar names. Rather than imply a count we cannot source, we leave it out. The database is public and searchable at consumerfinance.gov.
How long can an Andrew Johnson Bank charge-off stay on my credit report?
Seven years from the first delinquency that was never cured — not from the charge-off, not from a sale, and not from the date Andrew Johnson Bank last updated the line. If that date moves forward between two pulls, that is re-aging and it is disputable on its own.
What is the difference between disputing with Andrew Johnson Bank and disputing with a collector?
Go to whoever holds the documents. Andrew Johnson Bank has the signed application and the posting history; an assignee generally has a spreadsheet row. That is why a §623 direct dispute to Andrew Johnson Bank tends to produce a substantive answer rather than a rubber-stamp verification.
Does Andrew Johnson Bank report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so Andrew Johnson Bank — 8 offices in Tennessee — may report to one or two bureaus rather than all three. Compare the three files side by side: differing balances are usually timing, but differing account status or first-delinquency dates are disputable.
I see duplicate Andrew Johnson Bank tradelines — is that allowed?
One account showing twice is a classic conversion artifact. Andrew Johnson Bank has operated since 1975, and a charter that old has usually been through at least one core-system migration. An account may legitimately appear under a predecessor name, but the same debt must not report twice with two balances. Dispute the duplicate and name both tradelines.
Can I dispute an Andrew Johnson Bank account myself without paying anyone?
No payment is required. Writing to the bureaus under §611 or to Andrew Johnson Bank under §623 costs you postage. Paid help is optional and cannot unlock anything extra; results depend entirely on what the documentation shows, and accurate entries stay put.
Where is Andrew Johnson Bank headquartered, and does that affect my dispute?
Andrew Johnson Bank is headquartered in Greeneville, Tennessee, with 8 FDIC-reported offices. Headquarters does not change your federal rights — the FCRA applies identically everywhere — but it does tell you which state banking regulator shares oversight, which matters if you escalate past the CFPB.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by Andrew Johnson Bank; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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