Commercial Bank & Trust Co. on Your Credit Report
In short: Commercial Bank & Trust Co. runs a mid-size regional banking operation from Paris, Tennessee, and is a state-chartered commercial bank that is not a member of the Federal Reserve System. The institution carries FDIC certificate 8660 and a charter dated May 15, 1877. As a nineteenth-century charter, it has been furnishing account data for longer than the modern credit file has existed in its current form. The 06/30/2026 call report puts total assets at $1.08 billion, spread over 11 FDIC-reported offices. Because Commercial Bank & Trust Co. 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 Commercial Bank & Trust Co. actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Commercial Bank & Trust Co. holds FDIC certificate 8660, chartered May 15, 1877 in Paris, Tennessee (149 years old), and reported $1.08 billion in total assets across 11 offices on the 06/30/2026 call report.
How Commercial Bank & Trust Co. appears on your credit report
The distinction that matters: Commercial Bank & Trust Co. is the original creditor on the account, not a third party that bought it. With 11 offices, reporting corrections usually route through a single operations contact — name the exact field and you skip several rounds. Give the last four digits and the open date, specify the exact inaccurate field, and file with the bureaus at the same time so neither track waits on the other. What results depends entirely on what the bank's records show, which differs from account to account.
Names it may report under
Products that commonly show up
- ◆Direct consumer loans underwritten at the branch level
- ◆Home-equity and mortgage lending secured by Tennessee property
- ◆Consumer accounts originated across its 11 Tennessee offices
Grounds to dispute a Commercial Bank & Trust Co. entry
Each of these is a reason a Commercial Bank & Trust Co. 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 Commercial Bank & Trust Co.
- ◆Account settled with Commercial Bank & Trust Co. still reporting the original charged-off balance
- ◆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
Commercial Bank & Trust Co. 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, Commercial Bank & Trust Co. 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 Commercial Bank & Trust Co. a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Commercial Bank & Trust Co. questions, answered
Is Commercial Bank & Trust Co. FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 8660. That record lists Commercial Bank & Trust Co. as a state-chartered commercial bank that is not a member of the Federal Reserve System headquartered in Paris, TN, chartered May 15, 1877, with $1.08 billion in assets across 11 FDIC-reported offices on the 06/30/2026 call report.
Who regulates Commercial Bank & Trust Co., and where do I escalate if a dispute fails?
Supervision of Commercial Bank & Trust Co. 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 Commercial Bank & Trust Co.?
No number is published here. When we queried the CFPB credit-card complaint data, no company key matched Commercial Bank & Trust Co. 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 a Commercial Bank & Trust Co. charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the Commercial Bank & Trust Co. account. That anchor date does not reset when the balance is charged off, sold, or transferred. A Commercial Bank & Trust Co. tradeline whose delinquency date drifts later is re-aged, and re-aging is a reportable inaccuracy in its own right.
What is the difference between disputing with Commercial Bank & Trust Co. and disputing with a collector?
A collector's tradeline is a second, separate entry derived from information passed along at sale or placement. Commercial Bank & Trust Co.'s tradeline is the original, backed by the bank's own account records. That asymmetry is why a specific factual dispute to Commercial Bank & Trust Co. tends to produce a documented answer, while the same dispute to a collector often produces only a verification code.
Does Commercial Bank & Trust Co. 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 Commercial Bank & Trust Co. 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.
Commercial Bank & Trust Co. was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When Commercial Bank & Trust Co. 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 this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten.
Can I dispute Commercial Bank & Trust Co. 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 Commercial Bank & Trust Co. 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 Commercial Bank & Trust Co. 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 Commercial Bank & Trust Co., a charter this old has usually passed through several generations of core banking systems, and each conversion is a chance for an open date or a status code to be rewritten. 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 Commercial Bank & Trust Co.; 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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