Carroll Bank and Trust on Your Credit Report
In short: Based in Huntingdon, Tennessee, Carroll Bank and Trust is a state-chartered commercial bank that is a member of the Federal Reserve System. The institution carries FDIC certificate 2380 and a charter dated September 9, 1907. 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. The 06/30/2026 call report puts total assets at $662 million, spread over 10 FDIC-reported offices. Since the loans are originated and held by Carroll Bank and Trust 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 Carroll Bank and Trust actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Carroll Bank and Trust is an FDIC-insured state bank under certificate 2380, headquartered in Huntingdon, Tennessee, with $662 million in total assets and 10 FDIC-reported offices as of the 06/30/2026 call report; its charter dates to September 9, 1907.
How Carroll Bank and Trust appears on your credit report
Treat Carroll Bank and Trust as an original creditor rather than a collection agency — the dispute route is different. A 10-office community bank rarely has a dedicated disputes department, so precision in your letter does more work than volume. Pin the account down by last four digits and open date, state precisely which field is inaccurate, and mirror the dispute to all three bureaus so the §611 and §623 tracks proceed together. 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
- ◆Deposit-secured and consumer installment credit written in-branch
- ◆First-lien mortgages and home-equity lines on Tennessee property
- ◆Overdraft lines and deposit-linked credit tied to Carroll Bank and Trust checking accounts
Grounds to dispute a Carroll Bank and Trust entry
Each of these is a reason a Carroll Bank and Trust 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 Carroll Bank and Trust
- ◆Charge-off reported by Carroll Bank and Trust after the account was settled in full
- ◆The same Carroll Bank and Trust loan appearing twice after a branch or system consolidation
- ◆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
Carroll Bank and Trust 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, Carroll Bank and Trust 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 Carroll Bank and Trust a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Carroll Bank and Trust questions, answered
Is Carroll Bank and Trust FDIC-insured, and what is its certificate number?
Carroll Bank and Trust is FDIC-insured under certificate number 2380. Per the FDIC, the charter dates to September 9, 1907, the head office is in Huntingdon, TN, and the 06/30/2026 call report shows $662 million in total assets over 10 FDIC-reported offices. Oversight runs through the Federal Reserve and its state banking regulator.
Who regulates Carroll Bank and Trust, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is a member of the Federal Reserve System, Carroll Bank and Trust 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 Carroll Bank and Trust?
We do not publish a figure for Carroll Bank and Trust. A 10-office community bank is rarely a distinct company in the CFPB's credit-card complaint data, and we do not publish counts matched by partial name, because similar names belong to unrelated companies and attributing another firm's complaints to Carroll Bank and Trust would be inaccurate. You can search the database yourself at consumerfinance.gov.
How long can a Carroll Bank and Trust charge-off stay on my credit report?
A charged-off Carroll Bank and Trust 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 Carroll Bank and Trust 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 Carroll Bank and Trust and disputing with a collector?
A collector's tradeline is a second, separate entry derived from information passed along at sale or placement. Carroll Bank and Trust's tradeline is the original, backed by the bank's own account records. That asymmetry is why a specific factual dispute to Carroll Bank and Trust tends to produce a documented answer, while the same dispute to a collector often produces only a verification code.
Does Carroll Bank and Trust report to all three credit bureaus?
Furnishing is voluntary under the FCRA, so this depends on Carroll Bank and Trust's own arrangements. A lender with 10 offices and $662 million in assets may report to only one or two bureaus, each on its own cycle. Pull all three before deciding a Carroll Bank and Trust account is missing or misreported — a balance that differs between bureaus is usually just a timing artifact, whereas a mismatch in payment history, account status or date of first delinquency is worth a dispute.
Carroll Bank and Trust was acquired or changed names — why does my report show two accounts?
Mergers and rebrands routinely cause this: a converted Carroll Bank and Trust account can appear under both the old and new furnisher name at once. Only one tradeline should survive, and the duplicate needs to be deleted rather than marked closed, since a duplicate still inflates your utilization and account count. Here, a charter predating federal deposit insurance has been through enough system migrations that stale status codes are the common defect. Identify both versions by last four digits and open date when you dispute.
Can I dispute Carroll Bank and Trust 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 Carroll Bank and Trust 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 Carroll Bank and Trust 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 Carroll Bank and Trust 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 Carroll Bank and Trust; 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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