Calvin B. Taylor Banking Company of Berlin, Maryland on Your Credit Report
In short: Calvin B. Taylor Banking Company of Berlin, Maryland is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator. The FDIC record lists certificate 5874, a charter dating to 1890, headquarters in Berlin, MD, and 12 FDIC-reported offices holding $1.02 billion in assets as of 06/30/2026. An account reported by Calvin B. Taylor Banking Company of Berlin, Maryland is furnished by the bank itself, so your FCRA §623 rights attach to Calvin B. Taylor Banking Company of Berlin, Maryland directly, in addition to the §611 route through Equifax, Experian and TransUnion. 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 Calvin B. Taylor Banking Company of Berlin, Maryland actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Calvin B. Taylor Banking Company of Berlin, Maryland has been in continuous operation for 136 years, chartered January 1, 1890 and carried on the FDIC's books as certificate 5874. Its 06/30/2026 call report shows 12 FDIC-reported offices and $1.02 billion in total assets, averaging roughly $85 million per office.
How Calvin B. Taylor Banking Company of Berlin, Maryland appears on your credit report
Calvin B. Taylor Banking Company of Berlin, Maryland is a regional lender headquartered in Berlin, MD, with 12 FDIC-reported offices and $1.02 billion in assets, on a charter 136 years old. At this size a single account is often handled by a small team, which cuts both ways — errors are less likely to be systemic, but when one occurs there may be no automated process to catch it. A precise written dispute naming the exact field that is wrong tends to work better here than a general statement of disagreement.
Names it may report under
Products that commonly show up
- ◆Small-business loans backed by a personal pledge from the owner, which can report on a personal file
- ◆Construction and lot loans that convert to permanent financing
- ◆Residential mortgages retained in portfolio rather than sold to an investor
Grounds to dispute a Calvin B. Taylor Banking Company of Berlin, Maryland entry
Each of these is a reason a Calvin B. Taylor Banking Company of Berlin, Maryland tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Paid-off Calvin B. Taylor Banking Company of Berlin, Maryland installment loan still showing a balance after the final payment cleared
- ◆Authorised-user or co-borrower account reported as the primary obligation
- ◆Closed Calvin B. Taylor Banking Company of Berlin, Maryland deposit-secured line still reporting as an open revolving account
- ◆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
Calvin B. Taylor Banking Company of Berlin, Maryland 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, Calvin B. Taylor Banking Company of Berlin, Maryland 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 Calvin B. Taylor Banking Company of Berlin, Maryland a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Calvin B. Taylor Banking Company of Berlin, Maryland questions, answered
Is Calvin B. Taylor Banking Company of Berlin, Maryland FDIC-insured, and what is its certificate number?
Yes. Calvin B. Taylor Banking Company of Berlin, Maryland holds FDIC certificate 5874. The FDIC record shows a charter established January 1, 1890, headquarters in Berlin, MD, and 12 FDIC-reported offices with $1.02 billion 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 regulator.
Who regulates Calvin B. Taylor Banking Company of Berlin, Maryland, and where do I escalate if a dispute fails?
Calvin B. Taylor Banking Company of Berlin, Maryland is a state-chartered commercial bank that is not a member of the Federal Reserve System, supervised by the FDIC and its state regulator, so its primary federal oversight comes from the FDIC, working alongside the state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the FDIC, to the MD state regulator, or to the CFPB. That does not replace your FCRA rights — it is an escalation path on top of them.
How old is the Calvin B. Taylor Banking Company of Berlin, Maryland charter, and why does that matter for my credit report?
Calvin B. Taylor Banking Company of Berlin, Maryland's charter predates the Federal Reserve (1913) and federal deposit insurance (1933) entirely — it was established in 1890 and later became an FDIC-insured institution. A charter that old frequently sits behind decades of mergers, so an old account may have been opened under a predecessor name. If the tradeline you are disputing shows a name you do not recognise, ask Calvin B. Taylor Banking Company of Berlin, Maryland in writing which predecessor institution originated it; the furnisher is obliged to report the account accurately regardless of how many name changes it has been through.
How big is Calvin B. Taylor Banking Company of Berlin, Maryland, and what does that mean for disputing an account?
Calvin B. Taylor Banking Company of Berlin, Maryland reports $1.02 billion across 12 FDIC-reported offices — roughly $85 million per office. The FDIC's office figure counts all reported locations, including non-retail ones such as loan-production sites, so it should be read as a reported footprint rather than a branch count. For a dispute, the practical point is that an institution this size normally handles consumer files with identifiable staff rather than a fully automated queue.
How do I dispute a Calvin B. Taylor Banking Company of Berlin, Maryland account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with Calvin B. Taylor Banking Company of Berlin, Maryland as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what Calvin B. Taylor Banking Company of Berlin, Maryland can verify, and results vary from case to case.
Does MD law change anything about a Calvin B. Taylor Banking Company of Berlin, Maryland account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. Calvin B. Taylor Banking Company of Berlin, Maryland being headquartered in Berlin, MD does not make MD law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can a Calvin B. Taylor Banking Company of Berlin, Maryland account stay on my credit report?
About seven years, measured from the date of first delinquency on the Calvin B. Taylor Banking Company of Berlin, Maryland account rather than from any later event. A charge-off, a sale to a debt buyer, or a transfer of servicing does not reset that clock, and neither does a payment you make now. Pull your report, find the date of first delinquency Calvin B. Taylor Banking Company of Berlin, Maryland furnished, and if it does not match when you actually fell behind, that discrepancy is disputable on its own.
Does Calvin B. Taylor Banking Company of Berlin, Maryland appear in the CFPB complaint database?
We do not publish a complaint figure for Calvin B. Taylor Banking Company of Berlin, Maryland. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 5874, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with Calvin B. Taylor Banking Company of Berlin, Maryland and disputing with a collection agency?
Calvin B. Taylor Banking Company of Berlin, Maryland is the original creditor — the furnisher whose name was on the account when it was opened — while a collection agency is a third party that bought or was assigned it later. That changes your tools. Against a collector, FDCPA §809 lets you demand validation within 30 days of first contact. That right does not apply to Calvin B. Taylor Banking Company of Berlin, Maryland; against an original creditor your leverage is the FCRA §623 accuracy duty. Different deadlines, different evidence — so check which party is actually listed as furnishing the account before you write, because sending the wrong letter to the wrong party wastes the clock.
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 Calvin B. Taylor Banking Company of Berlin, Maryland; 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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