Bank of Luxemburg on Your Credit Report
In short: Bank of Luxemburg is a state-chartered commercial bank that is not a member of the Federal Reserve System, headquartered in Luxemburg, Wisconsin. FDIC certificate 13264 records the charter as established October 3, 1903. The pre-Federal-Reserve charter date matters here only because a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect. Its 06/30/2026 call report shows $723 million in total assets across 9 reported offices. Since the loans are originated and held by Bank of Luxemburg itself, the bank is the furnisher on the tradeline. That gives you two tracks: a §623 dispute to the bank and a §611 dispute through each bureau. 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 Bank of Luxemburg actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Bank of Luxemburg holds FDIC certificate 13264, chartered October 3, 1903 in Luxemburg, Wisconsin (123 years old), and reported $723 million in total assets across 9 offices on the 06/30/2026 call report.
How Bank of Luxemburg appears on your credit report
Bank of Luxemburg furnishes its own tradelines as the original creditor, which matters for how you write. At $723 million in assets, credit reporting is usually handled by a compact back-office group, so a narrow, specific dispute tends to move faster than a broad one. Identify the account by its last four digits and open date, name the single field that is wrong, and send the same dispute to all three bureaus so both FCRA tracks run in parallel. Whether the tradeline changes depends on what verification turns up; no one can promise you a result.
Names it may report under
Products that commonly show up
- ◆Personal and signature loans originated at its 9 Wisconsin offices
- ◆First-lien mortgages and home-equity lines on Wisconsin property
- ◆Overdraft lines and deposit-linked credit tied to Bank of Luxemburg checking accounts
Grounds to dispute a Bank of Luxemburg entry
Each of these is a reason a Bank of Luxemburg tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Wisconsin home-equity line closed at refinance yet still reporting open with Bank of Luxemburg
- ◆Charge-off reported by Bank of Luxemburg after the account was settled in full
- ◆Duplicate Bank of Luxemburg tradeline created when the account migrated between core systems
- ◆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
Bank of Luxemburg 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, Bank of Luxemburg 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 Bank of Luxemburg a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Bank of Luxemburg questions, answered
Is Bank of Luxemburg FDIC-insured, and what is its certificate number?
Yes. Bank of Luxemburg holds FDIC certificate 13264. The FDIC record shows a charter established October 3, 1903, headquarters in Luxemburg, WI, and 9 FDIC-reported offices with $723 million in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state banking regulator.
Who regulates Bank of Luxemburg, and where do I escalate if a dispute fails?
Supervision of Bank of Luxemburg sits with the FDIC and its state banking regulator. If the bank verifies an item you can disprove, escalate to the CFPB with your documentation attached; FCRA §§616–617 also preserve your own right to sue for negligent or willful noncompliance. You can pursue every one of these steps yourself for free.
How many credit-card complaints does the CFPB show against Bank of Luxemburg?
We do not carry a complaint count for Bank of Luxemburg. The CFPB credit-card dataset is keyed to company names that did not resolve unambiguously to this 9-office institution, and publishing a loose match would misattribute another company's record. Absence of a figure here is not a claim that there are no complaints — search consumerfinance.gov directly.
How long can a Bank of Luxemburg charge-off stay on my credit report?
Generally seven years from the date of first delinquency. The common mistake is assuming the clock starts at charge-off — it does not. For Bank of Luxemburg, find the first payment you missed and never made up; that is the anchor. If the reported date is later than that, dispute the date itself rather than the account.
What is the difference between disputing with Bank of Luxemburg and disputing with a collector?
Bank of Luxemburg is the original creditor, so it furnishes the original tradeline and holds the underlying records — application, statements, payment postings. A collector reports a separate tradeline built from data handed to it. A §623 dispute to Bank of Luxemburg reaches the party holding the documents, which is why these often resolve on evidence a collector never had.
Does Bank of Luxemburg report to all three credit bureaus?
Nothing in the FCRA compels a bank to furnish to all three, and many institutions of this size do not. Check Equifax, Experian and TransUnion before concluding Bank of Luxemburg has misreported anything. Differences in balance across bureaus usually reflect different update cycles; differences in status, payment history or delinquency date are the ones to challenge.
Bank of Luxemburg was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Bank of Luxemburg migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Ask for deletion of the duplicate, not a closed-status update — a closed duplicate still counts against utilization. In this case, a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect.
Can I dispute Bank of Luxemburg reporting myself, without paying anyone?
You can, free of charge. The FCRA gives you the dispute right personally; it is not something that has to be purchased. Send Bank of Luxemburg a written dispute identifying the inaccurate field, and send the same to the bureaus. What changes depends on the bank's verification, and no honest party will promise you a number.
What should I check first on Bank of Luxemburg reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Given that a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect, pull your own statements and check the Bank of Luxemburg entry field by field. One documented error beats a broad removal request every time.
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 Bank of Luxemburg; 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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