BankTennessee on Your Credit Report
In short: BankTennessee runs a community banking operation from Collierville, Tennessee, and is a state-chartered commercial bank that is a member of the Federal Reserve System. Its FDIC record is certificate 29177, with a charter date of October 1, 1934. Its mid-century charter means the bank's records span multiple eras of consumer-reporting practice. The 06/30/2026 call report puts total assets at $630 million, spread over 11 FDIC-reported offices. Because BankTennessee lends on its own balance sheet rather than servicing another lender's paper, it is the furnisher of record on its own tradelines, which gives you a direct FCRA §623 dispute route to the bank alongside the §611 route through the three bureaus. 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 BankTennessee actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
BankTennessee is an FDIC-insured state bank under certificate 29177, headquartered in Collierville, Tennessee, with $630 million in total assets and 11 FDIC-reported offices as of the 06/30/2026 call report; its charter dates to October 1, 1934.
How BankTennessee appears on your credit report
BankTennessee furnishes its own tradelines as the original creditor, which matters for how you write. With 11 offices, reporting corrections usually route through a single operations contact — name the exact field and you skip several rounds. Reference the account by last four digits and origination date, isolate the one field you can disprove, and copy all three bureaus to keep the §611 and §623 clocks running together. Any outcome turns on the documentation behind the account, so results vary.
Names it may report under
Products that commonly show up
- ◆Direct consumer loans underwritten at the branch level
- ◆Residential mortgage and HELOC accounts secured by Tennessee real estate
- ◆Overdraft lines and deposit-linked credit tied to BankTennessee checking accounts
Grounds to dispute a BankTennessee entry
Each of these is a reason a BankTennessee tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Mortgage payoff recorded by the title company but not updated by BankTennessee
- ◆Charge-off reported by BankTennessee after the account was settled in full
- ◆State-chartered account duplicated after a core-system conversion
- ◆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
BankTennessee 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, BankTennessee 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 BankTennessee a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
BankTennessee questions, answered
Is BankTennessee FDIC-insured, and what is its certificate number?
BankTennessee is FDIC-insured under certificate number 29177. Per the FDIC, the charter dates to October 1, 1934, the head office is in Collierville, TN, and the 06/30/2026 call report shows $630 million in total assets over 11 FDIC-reported offices. Oversight runs through the Federal Reserve and its state banking regulator.
Who regulates BankTennessee, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is a member of the Federal Reserve System, BankTennessee answers primarily to the Federal Reserve and its state banking regulator. When a §623 dispute to the bank and a §611 dispute to the bureaus both come back verified and you still hold contrary documentation, the next steps are a CFPB complaint and, if needed, the private right of action FCRA §§616–617 gives you. None of that requires paying anyone.
How many credit-card complaints does the CFPB show against BankTennessee?
We do not carry a complaint count for BankTennessee. The CFPB credit-card dataset is keyed to company names that did not resolve unambiguously to this 11-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 BankTennessee charge-off stay on my credit report?
A charged-off BankTennessee account can generally report for up to seven years from the date of first delinquency — the original missed payment that was never brought current, not the date BankTennessee charged it off and not the date it was sold to a collector. If that date has been moved forward, the re-aging is itself a reportable FCRA inaccuracy.
What is the difference between disputing with BankTennessee and disputing with a collector?
BankTennessee 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 BankTennessee reaches the party holding the documents, which is why these often resolve on evidence a collector never had.
Does BankTennessee 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 BankTennessee 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.
BankTennessee was acquired or changed names — why does my report show two accounts?
Duplicates like this are almost always a data-migration residue rather than two real debts. Because a mid-century charter has typically survived at least two core-system conversions, which is where corrupted open dates tend to originate, a BankTennessee account can surface under a predecessor name alongside the current one. Dispute for removal of the redundant entry, identifying both by last four digits and open date, and insist on deletion rather than a status change.
Can I dispute BankTennessee reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Write to BankTennessee naming the specific field you believe is wrong, copy the bureaus, and keep proof of mailing. Outcomes depend on what the records show and vary by account.
What should I check first on BankTennessee reporting?
Check the delinquency date first, since it controls the reporting window; then account status, which decides how the item is read; then the balance and limit, which drive utilization. With BankTennessee, a mid-century charter has typically survived at least two core-system conversions, which is where corrupted open dates tend to originate. Verify each against statements in your possession — a dispute anchored to one specific provable discrepancy is the one that moves.
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 BankTennessee; 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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